Ingabe uhlela ukubolekisa imali yokulungisa? Kukhona into ongacabanga ngakho

Ukulungisa namuhla kuyisenzakalo esibizayo. Ngezinye izikhathi kuthatha isikhathi eside ukukwenza kancane kancane, njengokuqoqwa kwezimali. Okunye kulokhu kuyimalimboleko yokulungisa, okuyinto evunyelwe ukunciphisa isikhathi sokuguqulwa, bese ukhokha isikweletu, uhlala endlini ehle futhi ehlelekile.

Namuhla, amabhange anikeza izinketho eziningana zokwenza izikweletu mayelana noshintsho endlini noma endlini. Cishe izimo ezifanayo futhi uma kwenzeka udinga ukulungiswa kwemoto esikhwameni.

Indlela elula ukuthatha inkokhelo engalindelekile. Ukuze ubhalise, udinga okungenani amaphepha: ipasipoti, ikhophi yomsebenzi, isitifiketi semali engenayo. Kwamanye amacala (kuye ngokuthi inani), ibhange lingadinga ukubamba iqhaza kokuqinisekisa. Ngesikhathi esifanayo, awudingi idiphozi futhi ngeke kudingeke ukuthi ubike ukuthi yini oyisebenzisile imali. Kunconywa ukusebenzisa lolu khetho ezimweni lapho ungadingi imali enkulu kakhulu. Kodwa kufanele kukhunjulwe ukuthi inzalo emalimboleko enjalo iyona ephakeme kakhulu (kusukela ku-12 kuya ku-18%) kanti usuku lokuvuthwa ngeke lube ngaphezu kweminyaka emihlanu.

Enye indlela yikhokhwa engekho ebambelelwe yimoto noma impahla yangempela. Imalimboleko enjalo yokulungiswa kungcono ukuthatha uma kudingeka imali enkulu. Kulesi simo, isithakazelo sizobe sesincane. Futhi ukuthola lula imali enjalo, ngoba kuyokunika imali yokuthenga ngemali engenayo ngisho nemali encane (ngokusho kwesitifiketi esivela emsebenzini). Noma kunjalo, ukubhaliswa kwesibopho ngokwawo kuzodinga izindleko ezithile (ukulinganisa, umshuwalense, Amakhophi).

Futhi, ekugcineni, uma izinguquko ezinkulu zidingeka, kuzodingeka ukuthi kukhishwe isikweletu esihlosiwe sokulungisa indlu. Lolu hlobo lokuboleka luhluke kokungabonakaliswa imali eningi kakhulu ekukhipheni hhayi ngentshisekelo enkulu njengalezo ezimbili zokuqala. Ukwakhiwa kwemalimboleko ehlosiwe kuzothatha isikhathi eside, ngoba kuzodingeka uqinisekise injongo yayo.

Ukuze uwuthathe, udinga ukuxhumana nebhange, uthole inkampani yokwakha, usayine inkontileka nayo, unikeze ibhange ngokulinganisa izindleko. Amanye amabhange ayabambisani nawo wonke amafemu okwakhiwa, kodwa kuphela ngamanye athile (aqinisekisiwe).

Kuye ngezimo, isikweletu sokulungisa singakhishwa ekuvikelekeni kwefulethi noma ngaphandle kwalo. Esikhathini esilandelayo, iphesenti izoba ephakeme, kodwa isezansi kunomboleko ongewona umboleki. Uma ngabe ukubhaliswa kwesibambiso, kuzodingeka izindleko ezengeziwe ukuze uhlole ingcebo, umshuwalense wokuphila kwakho, izinsizakalo zesaziso.

Ngaphambi kokuxhumana nebhange, hlola ukuthi iyiphi inkokhelo yokubolekisa kuyokuzuzisa kakhulu kuwe. Uma uthenge indlu esakhiweni esisha, futhi ngaphambi kokuba uhlale endaweni ehlala eqashiwe, ke-ke, kufanele usebenzise izinsizakalo zebhange. Uma unendawo yokuhlala, ngenkathi uguqula, ungenza ngaphandle kwesikweletu.

Ungasheshi, ucabange ukuthi kufanelekile ukufaka isikweletu. Futhi uma ungeke ukwazi ukwenza ngaphandle kwemali mboleko, thatha ngemigomo eyamukelekayo kakhulu. Hamba uzungeze amabhange ambalwa uphinde uthole amagama abo, njengoba angahluka kakhulu. Ngaphambi kokuba ungene ngemvume yesivumelwano sokubolekisa (ukulungiswa), funda ngokusheshisa ngawo wonke amaphuzu nazo zonke izimali ezengeziwe ezizokhokhwa, ngaphandle kwesikweletu esikhulu (ikhomishoni yenkonzo, ngemali mboleko, ukukhokhwa kwayo ekuqaleni). Amanye amabhange awashayi ama-commissions. Ngakho ungaphetha ukuthengiselana kwakho inzuzo kakhulu.