Nakekela isinxephezelo sakho
Ingilazi ephukile nangale, ingxenye 2 Izinkinga zangempela zivame ukuqala lapho sizama ukuthola isinxephezelo enkampanini yomshwalense. Yini-ke okufanele uyenze?
Ingilazi ephukile nangale, ingxenye 2
Funda futhi: Ungawenzi Amaphutha! (Ukuphahlazeka naNgaphandle Kwengxenye 1)
Ukushayisana emgwaqeni ngokungangabazeki kuyisimo esicindezelayo esibonisa izinkinga. Nokho, izinkinga zangempela zivame ukuqala kamuva, lapho sizama ukuthola isinxephezelo enkampanini yomshuwalense.
Izinkampani zomshwalensi zizama ukulahlekelwa kancane ngangokunokwenzeka lapho zinxephezela umonakalo obangelwe izingozi zomgwaqo, abanikazi bezimoto bazama ukuqinisekisa ukuthi umshuwalense ukhokhela ukulahlekelwa okudaleke ngangokunokwenzeka. Lolu hlobo lokungqubuzana kwezintshisekelo luvamise ukuthi lusho ukuthi zombili izinhlangothi zizolwa kanzima ngenxa yazo. Yini okufanele uyenze ukuze ungalahlekelwa yimali ekulungiseni imoto ngemva kwengozi futhi uthole isinxephezelo esiphezulu esivela enkampanini yomshuwalense?
1. Sheshisa
Ukukhokhwa kwesimangalo kufanele kube ngezindleko zomshwalense womoni. Kufanele nokho simazise ngesigameko. Uma ubika ngokushesha ukushayisana, kuba ngcono. Ngokuvamile unezinsuku eziyisikhombisa kuphela ukwenza lokhu, nakuba lokhu kungase kuhluke inkampani nenkampani.
2. Nikeza ulwazi oludingekayo
Izinkampani zomshwalense zidinga ulwazi oluqondile mayelana nengozi. Idokhumenti ebaluleke kakhulu ukuqaphela ukuthi ukushayisana kwenzeke ngephutha lomgebengu wengozi. Ngaphezu kwalokho, idatha yakhe kamazisi iyadingeka - igama, isibongo, ikheli, igama lenkampani yomshuwalense, inombolo yenqubomgomo, kanye nedatha yethu yomuntu siqu. Umbiko wamaphoyisa ohlonza umenzi wengozi ungaba usizo olukhulu - izinkampani zomshwalense azimngabazi, okuyinto evame ukwenzeka lapho kunesitatimende secala esibhalwe umenzi wobubi. Imoto eyonakele akumele ilungiswe noma isetshenziswe kuze kube yilapho isihloliwe ngochwepheshe.
Inyanga yesi-3
Umshwalense unezinsuku ezingama-30 zokukhokha amademeshe. Uma ingafinyeleli umnqamulajuqu, singafaka isicelo senzalo esemthethweni. Nokho, isinqumo ngomklomelo wabo senziwa yinkantolo, okuyinto, njengoba wazi, kungathatha isikhathi.
4. Ngemali noma ngaphandle kwayo
Izinkampani zomshwalense zivame ukusebenzisa izinhlobo ezimbili zokukhokha: ukheshi nokungewona ukheshi. Esimweni sokuqala, i-appraiser yabo ihlola umonakalo, futhi uma samukela ukuhlolwa, umshwalense uyasikhokhela imali futhi sikhanda imoto ngokwethu. Indlela yesibili, etuswa kakhulu ngochwepheshe, ukubuyisela imoto endaweni yokusebenzela esebenzisana nenkampani yomshwalense ekhava i-invoyisi ekhishwe yiyo.
5. Buka amanani
Ngaphambi kokukhanda imoto, kufanele kuhlolwe umonakalo. Ngokuvamile lesi yisigaba sokuqala lapho kuqubuka khona izingxabano phakathi komshwalense nomshayeli. Ukuhlola kwenkampani yomshwalense kwesicelo semali kuvame ukuvela kuphansi kakhulu kunalokho ebesikulindele. Uma sivumelana nokunikezwayo, kuzodingeka sikhokhele umehluko phakathi kwaleli nani kanye ne-invoyisi evela endaweni yokusebenzela ngokwethu. Uma, ngokubona kwethu, imoto ithenjiswe ukulungiswa okungathi sína, futhi umonakalo uthathwa kancane, cela umbono wochwepheshe ovela kuchwepheshe ozimele (izindleko ze-PLN 200-400) futhi wethule enkampanini yomshuwalense. Uma ukuhlolwa kungaqinisekisiwe, okumele sikwenze ukuya enkantolo.
6. Qoqa Imibhalo
Kuyo yonke inqubo yokufaka isicelo, hlala ucela amakhophi emibhalo yokuhlolwa kwemoto, ukuhlolwa kwangaphambi nokugcina, kanye nanoma yiziphi izinqumo. Ukungabikho kwabo kungase kuvimbele inqubo yokudlulisa icala.
7. Ungakhetha indawo yokusebenzela
Izinkampani zomshwalense zivame ukushiya inkululeko ethile ekukhetheni indawo yokusebenzela ezonakekela imoto yethu. Uma sinemoto entsha, cishe sizobambeka ezinsizakalweni zezinsizakalo ezigunyaziwe ngenxa yewaranti yamanje. Izitolo ezigunyaziwe, nokho, zingakukhokhisa ibhili yokulungisa eshibhile, futhi akuvamile ukuthi izinkampani zomshwalense zizame ukudlulisa ezinye zezindleko kithi, zicaphuna umqondo wokwehla kwenani lezingxenye. Ngezinye izikhathi kunenzuzo enkulu ukusebenzisa izinsizakalo ze-mechanic enhle, kodwa eshibhile kakhulu, nakuba lokhu kusebenza kakhulu ezimotweni ezingasekho ngaphansi kwewaranti.
8. Qaphela ngokuthenga imoto
Uma imoto ilimele kangangokuthi kungenanzuzo ukuyilungisa, ngokuvamile izinkampani zomshuwalense zithembisa ukuyithenga futhi. I-appraisal iphinda yenziwa umhloli osebenza nenkampani, ozama ukufakazela umonakalo omkhulu ongenzeka. Uma singavumelani nekhotheshini, sizosebenzisa izinsizakalo zochwepheshe ozimele. Ngisho nama-zloty angamakhulu ambalwa kuzodingeka akhokhelwe insizakalo enjalo, kodwa ngokuvamile inqubo enjalo isakhokha.
Isinxephezelo esivela ku-Guarante Fund
Ukuthengwa komshwalense wesikweletu senkampani yangaphandle kuyisibopho futhi kusebenza kubo bonke abashayeli. Nokho, kuyenzeka ukuthi umuntu obhekene nokushayisana akanawo umshwalense odingekayo. Kulokhu, amathuba okumboza izindleko zokulungisa yiSikhwama Sesiqinisekiso, esidalwe ngezindleko zezinkokhelo ezivela ezinkampanini zomshwalense kanye nezinhlawulo zokungathengi izinqubomgomo zomshwalense wezikweletu zomphakathi. Isinxephezelo sikhokhwa esikhwameni kokubili uma umenzi wecala engenawo umshwalense oyimpoqo, futhi esimweni lapho umenzi wengozi engaziwa. Sifaka isicelo senkokhelo esikhwameni nganoma iyiphi inkampani yomshwalense ezweni ehlinzeka ngomshwalense wesikweletu ovela eceleni, futhi ngokomthetho inkampani enjalo ayikwazi ukwenqaba ukucabangela icala. Umshwalense unesibopho sokuphenya izimo zengozi futhi ahlole umonakalo.
IsiKhwama sibophezelekile ukukhokha isinxephezelo zingakapheli izinsuku ezingama-60 kusukela ngosuku lokuthola isaziso somcimbi. Umnqamulajuqu ungashintsha uma icala lobugebengu liqalwa. Khona-ke ingxenye engenakuphikiswa yenzuzo ikhokhwa yisikhwama phakathi kwezinsuku ezingu-30 kusukela ngosuku lokwaziswa, futhi ingxenye esele - kuze kufike ezinsukwini ezingu-14 ngemva kokuphela kwenqubo.
Uma imbangela yokushayisana ingadalulwa, isibonelo, umshayeli ubalekile endaweni yengozi, i-Guarantee Fund ikhokha isinxephezelo sokulimala komzimba kuphela. Uma umenzi wobubi aziwa futhi engenawo umshwalense wesibopho somphakathi osebenzayo, isikhwama sizonxephezela umuntu ofanelekayo ngokulimala komzimba nokonakala kwempahla.
Phezulu kwesihloko
