Imalimboleko yesithuthuthu - yini okufanele uyikhethe? Isitolimende, ukuqashisa, noma mhlawumbe imali mboleko yangasese?

Ukuphupha ngesithuthuthu sakho? Kodwa awunayo imali yokuyithenga? Uma ucabanga ukuthenga amathuluzi amasha, thatha imali mboleko yesithuthuthu. Ingabe uzoyithola ngobuncane bezinqubo? Kanjani? Zihlole wena!

Ukuba nesithuthuthu kuyiphupho lamadoda nabesifazane abaningi. Njengamanje, ukonga imali efanele ukuze uyithenge kuyinkinga enkulu. Izintengo ezihlala zikhuphuka zezimoto ezisetshenzisiwe nezintsha azikwenzi kube lula ukufeza iphupho lakho. Imalimboleko yesithuthuthu yithuba lokwenza esinye sezifiso zakho sifezeke. Nokho, khumbula ukuthi lolu hlobo loxhaso luthatha izindlela eziningi. Kungaba yimali yokuqashisa, imali ebolekiwe noma imali ebolekiwe yesithuthuthu.

Iyiphi imalimboleko yesithuthuthu ongakhetha?

Awazi kanjani ngezimali ukuthengwa isithuthuthu? Nazi ezinye zezindlela ezidume kakhulu zokuthola imali yemoto yamaphupho akho:

• imalimboleko / imalimboleko;
• imalimboleko yemoto (ngenketho yesithuthuthu);
• imalimboleko yesithuthuthu;
• ukuqashisa;
• imalimboleko yangasese.

Uyafuna ukuthenga isithuthuthu kodwa awazi ukuthi usixhasa kanjani ngezimali? Ingabe uneholo eliphezulu ngokwanele, akukho okungenayo okungalungile ku-BIC kanye nemoto ekhethiwe? Faka isicelo esikhungweni sakho sezezimali esikhethiwe. Khumbula ukuthi uzothola imali yokuthenga isithuthuthu ebhange nasenkampanini yezikweletu. Funda ukunikezwa kwamayunithi ngamanye ngokucophelela. Emakethe, uzothola zombili izikhungo ezibolekisayo ezingochwepheshe ezisekela osomabhizinisi, njenge-plmfund.pl, nezinye izinhlangano ezingezona ezamabhange ezihlinzeka ngemalimboleko kubantu ngabanye. 

Imali mboleko yemali iyindlela enhle ngoba akudingekile ukuthi ixhaswe yinjini oyithengile. Kodwa-ke, izimo zezimali kuleli cala zizoba ngcono kakhulu. Uma unquma ngemali ebolekiwe yemoto/isithuthuthu, sicela ucabangele imigomo nemibandela enemininingwane. Uma isibopho singakhokhiwe, isikhungo sizothatha imoto ukuze sikhokhe isikweletu.

Ukuqashisa futhi kuyindlela elula yokuthola imoto entsha enamasondo amabili. Kungani? Ngalolu hlobo lokuxhaswa ngezimali, uzothola isithuthuthu samaphupho akho, ozosibhalisela inkampani yakho. Ngakho ungafaka ukuthenga kwakhe ezindlekweni zokwenza ibhizinisi.

Imalimboleko yesithuthuthu - yini okufanele uyibheke?

Lapho ufaka isicelo semalimboleko yesithuthuthu, naka izici ezimbalwa ezibalulekile, okuyilezi:

• intshisekelo;
• ikhomishini;
• ukuvuthwa;
• imikhawulo evela esivumelwaneni sezimali.

Uma unquma ngesikweletu esijwayelekile sesithuthuthu esivela ebhange, ngokuvamile uthola imali yokuthenga imoto nanganoma iyiphi injongo. Lolu hlobo lwezimali luzokuvumela ukuthi usebenzise isikhathi sokukhokha esifika eminyakeni eyi-10. Khumbula, nokho, ukuthi uma isithuthuthu osithengayo sisidala, izinga lenzalo lemalimboleko yakho liyoba phezulu.

Ukufaka isicelo semalimboleko yesithuthuthu kulula. Okufanele ukwenze nje ukunikeza isikhungo sezezimali isethi ephelele yamadokhumenti kanye nesicelo esigcwalisiwe. Amabhange ngokuvamile adinga ukudluliswa kobunikazi bemoto. Kusho ukuthini? Lapho uthola imali ebolekiwe, uzibophezela ukubuyisela isithuthuthu uma kwenzeka ungakhokhi isibopho. Lapho uthenga inqubomgomo ye-AC, cabanga ukuthi kungenzeka yini ukuhlehliswa kuyo ukuze uvune ibhange uma kunesidingo.

Imalimboleko yesithuthuthu noma ukuqashisa - yikuphi okungcono?

Uyazibuza ukuthi kungani ukuqashisa kungcono kunemalimboleko yesithuthuthu? Ngokukhetha ukuqashisa, okokuqala uthola:

• indlela elula yokucabanga;
• ubuncane bezinqubo okumele ziphothulwe;
• ithuba lokusebenzisa imali ebanjwayo uma uqhuba ibhizinisi;
• asikho isidingo sokuqinisekisa ukufaneleka kwekhredithi kanye nokungabikho kokufakiwe okungalungile ku-BIC.

Cabangela lezi zinzuzo uma ufuna uxhaso lwezimali lokuthenga amasondo amabili amasha. Khumbula ukuthi umnikazi wendawo angacacisa indlela yesevisi futhi abeke imikhawulo yemayela. Uma ukhetha isikweletu sesithuthuthu, ngeke kube nezimo ezinjalo.

Ukukufingqa, imalimboleko yesithuthuthu iyindlela enhle yokwenza amaphupho akho afezeke. Njenganoma yisiphi isinqumo sezezimali, inobuhle nebubi bayo. Kufanele uphendule umbuzo ngokwakho uma kuwufanele. Hlaziya konke okuhle nokubi futhi uzokwenza isinqumo esifanele. Futhi khumbula ukuthi ukubolekwa kwemali ezinkampanini ezizimele zosomabhizinisi nakho kungaba inketho ethokozisayo.