Uthatha kanjani isinqumo sokuthi iyiphi ebhange kungcono ukuthatha imalimboleko

Umbhali lesi sihloko usebenza kwelinye lamabhange eziyinhloko zaseYurophu, okuyizinto okwandile eRussia. Ujwayelene imininingwane kwezinkonzo ezingokwezimali, e ukubolekisa ikakhulukazi nama-credit card. Nokho, kulesi sihloko, ngeke baveze izinkampani ezithile, uzothola awusizo ukukusiza ukunquma lapho ibhange kungcono ukuthatha ngesikweletu.

Kuyini ngesikweletu? angeke zisebenze izichazamazwi namabhukwana ngoba abasebenzi yasebhange incazelo ecacile. Siphawula ukuthi kuphela loan - isevisi zezimali okuyiwona ukhokhe. Ukhokha i-barber, ngoba kukwenza ukugunda izinwele. Khokha inkampani yokulungisela abahambayo ohlongozwayo semVumo visa ukucubungula. Futhi ukhokha ibhange lokuthi ngabe unika imali manje. Yiqiniso, ungase ugcine imali ngokwakho. Kungase kudingeke ulinde izinyanga eziyisithupha, ngonyaka noma emibili. Nokho, lokhu kalungisiswa njalo: ngezinye izikhathi kangcono overpay, kodwa uthole into oyifunayo esikhathini esizayo esiseduze. Ngokwesibonelo, une-TV eziphukile. Ungase ugcine ezinyangeni eziyisithupha i-TV entsha, kodwa kungcono athathe isikweletu ebhange futhi bachitha kulezi zinyanga eziyisithupha ezidlule ngenduduzo kunesidingo. Futhi ezinye izici zokuphila - imithi, imfundo, izenzakalo ezibalulekile zokuphila kwakho - uyaphuthuma. Bese kufanele sinake nezinsiza zezimali emakethe bese unquma ukuthi yimaphi yasebhange kungcono ukuthatha ngesikweletu.

ushizi Mahhala kuphela endaweni mousetrap. yasebhange ngayinye kumele uthole imali-mboleko. Ngiyavuma, akukho ibhange angeke khona uma engayitholi isithakazelo eningi evela kumakhasimende abo. Nokho, akubona bonke amabhizinisi ezifana ukusebenza ayizwayo. Kwezinye izimo, lokho kungase kusho ukubhekana nezindleko ezingalindelekile.

Wazi kanjani lapho ibhange kungcono ukuthatha loan?

Okokuqala, sicela ezinkulu kuphela amabhange global okuqinile ikhasimende base. On the owaziwa Intanethi ungathola lokujwayela sohlelo amabhange, ukwazi ukuthi zingaki amakhasimende, emingaki basebenza emakethe. Ukuthembeka izikhungo ngobukhulu kuthiwa serviced amakhasimende kwezigidi ezingu-20. Uma inkampani bavele emakethe esanda kutholakala - unohlelo isengozini enkulu, it is ahlotshiswe loan. Nokho, umehluko phakathi amabhange ezimbili ezinkulu nge ikhasimende base kwezigidi ezingu-20 amakhasimende 30 cishe lapho zibuka amanani zamanje, kunokuba ibhange uqobo. Izimali ezikhokhiswayo kushintsha njalo ezikhungweni ezinjalo, ngakho inkampani inikeza ukubheja ubuncane ngonyaka odlule, kungenzeka ngempela eqolo, ngenxa yesimo nyaka.

Okwesibili, uthole ukuthi uma ibhange uthatha imali inkonzo ngaphesheya inzalo loan. Namuhla, lokhu ngempela ezingavamile, kodwa kubalulekile ukuba sicacise leli phuzu. Ezinye amabhange isuswa amakhasimende abo imali ikarada lapho sasitholakala credit. Njengoba ungase bading izimali ezongeziwe umshwalense ngoba isevisi sms-izaziso nokunye okuningi. Ukuze ukuhlukana ngokwakho lezimanga, cela uchwepheshe, ahlele loan, yini inani eliqondile kufanele ukhokhe, ikhumbula zonke izindleko ezengeziwe. ebhange umsebenzi eyaziwa ngeke bakwazi ukufihla iqiniso kuwe.

Okwesithathu, funda uma isilinganiso sakho kungenzeka buyiselo zakuqala. Ukukhokha off the loan ekuqaleni, ngeke kakhulu ukunciphisa ngokweqile, ukonga on iphesenti xaxa. Njalo zama ukukhokha loan ngaphambi kwesikhathi ebesibekiwe - ezingxenyeni noma ngokuphelele. Lona umsebenzi inzuzo kakhulu ngawe. Nokho, ngaphambi kokuthi uthumele i-akhawunti yakho imali eningi, shayela ibhange lakho. Cishe, ungaqale wokuqala ukubhala isicelo yokuguqula amaphesenti.

Okwesine, ngaphambi kokuthi yibhange imali engango, cela ukubala ngokweqile yakho. Lonyaka senzalo akubonisi ngokweqile. I ngokweqile langempela ibalwa ngumuntu kuyinkimbinkimbi amaphesenti. Izinga 70% ngonyaka kungaholela i ngokweqile ka 20-50%, kuye ngokuthi lemali kanye eside imalimboleko. Ingena ibhizinisi zezimali, hhayi ezisheshayo ngesitatimende "Ngifuna yibhange imali engango," cela kabanzi mayelana amanani zamanje, inkokhelo yanyanga zonke kanye imibhalo edingekayo. amabhange Iningi ungathola nguye ofanelwe udumo ngenxa amathuluzi ezimbili eziyinhloko, kodwa nge lenzalo eliphezulu. Ukucacisa lapho ibhange kungcono ukuthatha imalimboleko, qiniseka ukuthatha nefomu lesitifiketi 2NDFL kanye eqinisekisiwe ikhophi yerekhodi umsebenzi - kuyokusiza zinciphise izindleko. Qaphela futhi ukhethe ebhange ngamabomu ke uzokwazi bazivikele zonke izinhlobo zokuhlupheka.