Imali mboleko engenasithakazelo njengesikweletu eshibhile esincane

Ukwamukelwa kwabantu kungenye yezindlela zokuncintisana kakhulu zesikhungo sezibhange zaseRashiya. Uma kuziwa ekukhipheni imali yokuthenga imoto noma enye imoto, kanye ne-electronics, izinto ezisendlini noma ifenisha, noma ngubani obolekayo angadideka kakhulu kwizinga lentela kanye nezici zezinhlelo ezihlongozwayo. Abantu ngokuvamile banesithakazelo emalimboleko engenasithakazelo. Kuyini? Futhi yiziphi izici okufanele ziqaphele isiphetho senkontileka?

Uma wenza ukuthenga okukhulu esitolo sezinto zokusebenza ekhaya noma embukisweni wemoto, abasebenzi benhlangano ebhange banganikela ikhasimende ngaphandle kwenzalo. Kuyini lokhu, kungachaza abasebenzi bebhange elikhulu kakhulu eRussia. Futhi iqiniso liwukuthi ngenxa yokuncintisana okuqhubekayo emakethe yemakethe, izikhungo eziningi zezezimali kufanele zishintshe isakhiwo sokuthola imali yabo. Imali-mboleko engenayo inzalo ayikhoqeleli iklayenti ukuthi ikhokhe noma yiliphi inani lentela eyengeziwe yokusebenzisa imali. Kodwa-ke, uma ikhishwa, iningi labathengi likhohlwe ngemininingwane ebalulekile njengokukhokhwa kwezinsizakalo zebhange lokucubungula nokuhlinzeka ngemali mboleko, kanye nokuvula nokugcina i-akhawunti yekhadi. Ukuphatha amanani ezinsizakalo ezihlobene, iningi lababolekisi liqinisekisa ukuthi imali engenayo iyinzuzo.
Isampula semalimboleko engenasithakazelo ihlale idonselwa ngesilinganiso se-10-11% ngonyaka, esingabhekwa njengesizotha kakhulu emakethe yemakethe yanamuhla . Ukubhaliswa okusheshayo kwalolu hlelo ngaphandle kokuvakashela igatsha lasebhange futhi ukuqoqa iphakheji eliqinile lemali yokugcina izimali kwenza lezo mboleko zifiseke kakhulu kumakhasimende ezindawo ezinkulu zezinto ezisemakhaya kanye nabadayisi bemoto. Izindleko zamasevisi ezinkokhelo ezingenalutho zingabandakanya izinkokhelo zokucubungula isicelo, ukukhokhelwa kwezinsizakalo zomshuwalense, kanye nezinkokhelo zenyanga zonke zokugcinwa kohlelo. Konke ndawonye, bangenza imali ehloniphekile, okumele ikhokhele kumaklayenti angalindelekile.

Isibopho sokungenasithakazelo enhlanganweni esemthethweni

Ngokuvamile, isikhungo sesikweletu singanikeza insizakalo enjalo kumakhasimende onezindleko ezinkulu futhi angaba unomphela. Umqondo wesikweletu esinjalo usho eminye imigomo yokuxazululwa okuzuzisayo, okushiwo ezigatsheni ezifanele zesivumelwano. Eqinisweni, kungabhekwa njengesiboshwa ngesikhathi lapho iklayenti ithola ukheshi ngemali ebhange noma ikhipha into ekhonjisiwe esivumelwaneni. Kufanele kukhunjulwe ukuthi umthetho wamanje weRussian Federation ulawula umsebenzi wezikweletu zezikweletu futhi uhlale uvikela ukuvikelwa kwamalungelo omabili nabakhokhi. Ngaphansi komthetho okhona, abasebenzi basebhange kudingeka banikeze ulwazi oluphelele kakhulu, olufike ngesikhathi futhi olunzulu kunoma yikuphi ukukhishwa kwamakhasimende. Ngaphambi kokuthola imali yokubolekisa inzalo, kufanele ngaso sonke isikhathi ubuze ukuthi yiziphi izinkokhelo ezizodingeka ukukhokha, futhi ubala ngokucophelela: kuyoba yiholo elingakanani lokukhokhwa kwemali esikhwameni esikhangisiwe.