Ukukhula kuvame ukudinga imali. Ungase udinge isitoko, imishini, imoto, indawo yebhizinisi, abasebenzi noma ukumaketha ngaphambi kokuba ibhizinisi liqale ukuthola imali eyengeziwe kulelo thuba.
Leyo mali ingavela emalini yakho oyongile noma kuxhaso lwezimali, njengemalimboleko, i-hire purchase, uxhaso lwezimali lwempahla noma olunye uhlelo lapho ibhizinisi liboleka imali bese liyibuyisela ngokuhamba kwesikhathi. Zombili lezi zindlela zinezindleko nobungozi. Ayikho engcono ngokuzenzakalelayo kunenye.
Kungani kubalulekile ukukhetha kahle indlela yokuthola imali
Sonke isinqumo sokuthola uxhaso lwezimali sithinta izinto ezimbili: ukuthi ukuthenga kuzobiza malini sekukonke kanye nokuthi ibhizinisi lizothwala ingcindezi engakanani nyanga zonke.
Imali oyongile ingase ibonakale ishibhile ngoba ayinayo inzalo, kodwa ukuyisebenzisa nayo inezindleko, ibhizinisi lilahlekelwa imali ebingasetshenziswa ngezinyanga ezithule, ezimweni eziphuthumayo noma kumadiphozithi abahlinzeki. Uxhaso lwezimali luvumela ibhizinisi ukuthi lithenge manje futhi lusabalalise izindleko, kodwa izinkokhelo, izimali ezikhokhiswayo kanye nenzalo kwandisa inani eliphelele.
Indlela engcono incike ekutheni imali izosetshenziselwa ini, inzuzo yalokho izoqala nini ukubonakala nokuthi ibhizinisi lisengakwazi yini ukukhokhela ezinye izibopho zalo ngemva kwalokho.
- Ukuxhaswa ngezimali
- Uxhaso lwezimali yimali ebolekwa ngenhloso yebhizinisi bese ibuyiselwa ngokuhamba kwesikhathi kanye nezimali ezikhokhiswayo nenzalo okuvunyelwene ngakho. Izindlela ezivamile zihlanganisa imalimboleko yebhizinisi, uxhaso lwezimali lwemoto, i-hire purchase kanye noxhaso lwezimali lwempahla.
- Imali eyisipele
- Imali eyisipele yimali ibhizinisi eliyigcina itholakala ukuze libhekane nokuthengisa okuhamba kancane, amakhasimende akhokha sekwephuzile, ukulungiswa kanye nezimo eziphuthumayo, esikhundleni sokuyisebenzisa yonke ekukhuliseni ibhizinisi.
Ukusebenzisa imali oyongile: izinkokhelo ezincane, kodwa imali eyisipele iyancipha
Imali oyongile ingaba yindlela enhle uma ukuthenga kusiza ibhizinisi ngokusobala futhi kusala imali eyanele yokuqhuba umsebenzi ojwayelekile nokubhekana nezinto ezingalindelekile.
Ngaphambi kokusebenzisa imali oyongile, zibuze:
- Ingakanani imali ezosala ngemva kokuthenga?
Imali oyongile ingase ibonakale imahhala ngoba akukho mbolekisi, kodwa iseyinsiza yebhizinisi. Uma isisetshenzisiwe, lokho kuvikeleka kuyaphela kuze kube yilapho ibhizinisi seliphinde lakha imali eyisipele.
- Imali eyisipele
- Ibhizinisi lezokuletha lisebenzisa u-R80 000 ekongweni ukuthenga imoto yesibili yokuletha. Umnikazi ulindele izinkontileka eziningi ezinyangeni ezimbili.
Enyanga eyodwa kamuva, imoto enkulu idinga ukulungiswa okukhulu. Ikhasimende eliyinhloko likhokha izinsuku ezingama-45 kancane. Ibhizinisi alinabhafa lemali futhi linqaba ukumboza uphethiloli, umshwalense nemiholo yomshayeli.
Umphumela: Ukuthenga imoto kungase kube yisinqumo esihle, kodwa ukusebenzisa konke ukonga okutholakalayo kususe ikhono lebhizinisi lokuphatha ukulibaziseka okujwayelekile nezimo eziphuthumayo Ibhizinisi lezokuthutha lisebenzisa u-R80 000 wemali eliyongile ukuthenga imoto yesibili yokudiliva. Umnikazi ulindele izinkontileka ezengeziwe phakathi nezinyanga ezimbili.
Ngemva kwenyanga eyodwa, imoto enkulu idinga ukulungiswa okukhulu. Ikhasimende elibalulekile likhokha sekwephuzile ngezinsuku ezingama-45. Ibhizinisi alinayo imali eyisipele futhi liba nobunzima bokukhokhela uphethiloli, umshwalense kanye neholo lomshayeli.
Umphumela: Ukuthenga imoto kungase kube yisinqumo esihle, kodwa ukusebenzisa yonke imali oyongile kususe ikhono lebhizinisi lokubhekana nokubambezeleka okuvamile nezimo eziphuthumayo.
- Ibhafa lemali
- Abanikazi bamabhizinisi abaningi bathola kuphephe kakhudlwana ukuxhasa ukukhula ngengxenye yemali oyongile kanye nengxenye yoxhaso lwezimali, noma ukugcina imali ethile iyisipele ngisho noma imali oyongile ingakwazi ukukhokhela lonke inani.
Ukusebenzisa uxhaso lwezimali: thenga manje, uzibophezele kamuva
Uxhaso lwezimali lungasiza ibhizinisi ukuthi lithenge into manje, imishini, imoto noma isitoko senkontileka, ngesikhathi kusagcinwa enye imali yezidingo zansuku zonke.
Kodwa uxhaso lwezimali ludala isibopho. Ngaphambi kokuboleka, qonda inani lokukhokha nyanga zonke, inzalo, izimali ezikhokhiswayo, isikhathi sokukhokha, idiphozithi edingekayo, ukuthi kwenzekani uma ungakhokhi ngesikhathi nokuthi impahla noma inkontileka izokhiqiza yini imali eyanele yokukhokhela izinkokhelo.
Ukuboleka kunengqondo kuphela uma ibhizinisi lingakwazi ukukhokhela izinkokhelo futhi uxhaso lwezimali lusekela inhloso ecacile yebhizinisi, hhayi lapho lusetshenziselwa ukumboza ukulahlekelwa okuqhubekayo ngaphandle kokulungisa imbangela.
Ukonga kusetshenziselwa ukukhula ngaphandle kwebhafa elisele
Qondanisa imali nesidingo
Akuzona zonke izidingo zebhizinisi okufanele zixhaswe ngendlela efanayo. Izidingo zesikhashana nezimpahla zesikhathi eside yizinqumo ezihlukene.
Isitoko se-oda eliqinisekisiwe singase sidinge uxhaso lwesikhashana. Imishini noma imoto kungase kudinge ukuhlelwa kwesikhathi eside. Imali yezimo eziphuthumayo akufanele isetshenziselwe ukukhula okungadingeki ngokushesha. Imali ebolekiwe akufanele isetshenziselwe ukumboza ukulahlekelwa okuqhubekayo ngaphandle kokulungisa ukuthi kungani ibhizinisi lilahlekelwa yimali.
| Isidingo sebhizinisi | Indlela yoxhaso ongayicabangela |
|---|---|
| Isitoko se-oda elaziwayo | Uxhaso lwesikhashana noma imali oyongile uma i-oda lizokhokha maduze |
| Imishini noma imoto | Imali oyongile, uxhaso lwezimali noma ukuqasha, kuye ngezindleko eziphelele nemali esalayo |
| Ukulungiswa okuphuthumayo | Imali eyisipele noma umshwalense, hhayi isikweletu esisha sezinto ezingadingekile |
| Ukumboza ukulahlekelwa kwanyanga zonke | Lungisa inkinga eyisisekelo kuqala, uxhaso lwezimali luzongeza ingcindezi |
[!QUIZ] type:single
Ukuboleka ukuze ukhokhele ukulahlekelwa okuvamile ngaphandle kokushintsha amanani, izindleko noma indlela yokusebenza kuvame ukudala ingcindezi eyengeziwe, hhayi ukuyinciphisa. Qonda ukuthi kungani ibhizinisi lidinga imali ngaphambi kokukhetha indlela yokuyithola.
Incazelo: Ukonga kugwema ukubuyisela, kodwa ukuyichitha konke kungashiya ibhizinisi lingenayo imali lapho imali engenayo ilibaziseka noma kukhona izindleko ezingalindelekile.
[!COMPARISON]
Uxhaso lwezimali luhlale lungcono kunokusebenzisa imali oyongile ngoba lugcina imali isebhizinisini.
- Iqiniso
- Amanga
Incazelo: Uxhaso lwezimali lugcina imali manje, kodwa lwengeza izinkokhelo, izimali ezikhokhiswayo kanye nenzalo. Indlela engcono incike ezindlekweni eziphelele, ingcindezi yezinkokhelo kanye nemali esalayo yezimo eziphuthumayo.
Qhathanisa zombili izindlela ngaphambi kokukhetha
Hlola isinqumo usebenzisa izinombolo ezilula. Uma ungakwazi ukuchaza ukukhetha kwakho ngepharagrafu eyodwa, kungase kudingeke uthole imininingwane eyengeziwe ngaphambi kokwenza isinqumo.
[!QUIZ] type:true-false
Ingabe kuyiphutha ukusebenzisa imali oyongile ukuze ukhulise ibhizinisi?
Cha. Imali oyongile ingaba yisinqumo esihle uma ukuthenga kusiza ibhizinisi ngokusobala futhi kusala imali eyanele yokuqhuba umsebenzi ojwayelekile nokubhekana nezimo eziphuthumayo. Ubungozi ukusebenzisa yonke imali oyongile kungasali mali eyisipele.
Kunini lapho uxhaso lwezimali lunengqondo kakhulu?
Uxhaso lwezimali lungafanele ukuthenga okuzokhiqiza imali ngokuhamba kwesikhathi, njengemishini noma imoto, lapho ibhizinisi lidinga ukugcina imali yesitoko, amaholo nezindleko zansuku zonke. Izinkokhelo kusadingeka zikwazi ukukhokheleka ngezinyanga ezithule.
Ngingakwazi yini ukusebenzisa imali oyongile kanye noxhaso lwezimali ndawonye??
Yebo. Idiphozithi evela emalini oyongile kanye noxhaso lwezimali lwebhalansi kunganciphisa inzalo ephelele ngesikhathi kugcinwa ingxenye yemali yakho eyisipele. Qhathanisa izindleko eziphelele nengcindezi yanyanga zonke yaleyo nhlanganisela ngayinye.
Incazelo: Ukuxhaswa ngezimali kugcina imali manje kodwa kungeza ukubuyisela, izimali nenzalo. Ukukhetha okungcono kuncike ezindlekweni eziphelele, ingcindezi yokubuyisela nokuthi imali engakanani esele yezimo eziphuthumayo.
Iphutha elivamile
Ukusebenzisa yonke imali oyongile ukukhulisa ibhizinisi bese kungasali mali yezinyanga ezithule, izinkokhelo ezibambezelekile noma ukulungiswa. Ukukhula okuxhaswe ngaphandle kwemali eyisipele kungaguqula ithuba elihle libe ingcindezi yemali.
Isinyathelo sakho esilandelayo
Khetha ukuthenga okukodwa okuzayo noma izindleko zokukhula. Bhala amakholomu amabili, imali oyongile noxhaso lwezimali, bese ufaka izindleko eziphelele, imali ezosala kanye nengcindezi yanyanga zonke. Khetha indlela esekela inhloso yebhizinisi ngesikhathi ishiya indawo eyanele yokubhekana nokubambezeleka kwemali.
[!FAQ]
Qhubeka nokufunda
Isihloko sokugcina kuleli habhu sihlanganisa zonke izinqumo zokukhula. Sikusiza ukubala izindleko ezifika ngaphambi kokuba amakhasimende amasha, abasebenzi noma imishini kuqale ukuletha imali engenayo ezinzile.
Okulandekayo
Umhlahlandlela wokwenza isinqumo phakathi kwemali oyongile noxhaso lwezimali
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