Uyithola kanjani intela ebanjwayo

Intela njalo kakhulu ukushaya izimali zethu. Iqiniso ukuthi echayeke iyiphi yebhizinisi lethu, lapho sithola inzuzo. Paid izintela uma kwenzeka ukuthi ukuthenga noma ukuthengisa ingcebo noma impahla. Nokho, kukhona izintuba eziningana evumela intela ukusikeka. Omunye wabo - lena imali yentela yempahla. Kuyini futhi kanjani it?

Bonke abanikazi, kuhlanganise ikusasa, kumelwe sikhumbule lolu lwazi ezibalulekile: le imali yentela yempahla umuntu ngamunye bangathola isikhathi esisodwa kuphela ekuphileni kwakhe. Okungukuthi, uma uhambisa isicelo kulo msebenzi, uyobuyela ethile imali ukhokhele njengoba intela ukuthengwa nokudayiswa zokuhlala, igama lakho liyavela database izinsalela. Lapho elithuma okwesibili ukuhambisa isicelo esinjalo, awusenayo ilungelo. Umbuzo olandelayo okubalulekile: onelungelo impahla ebanjwayo uma uthenga ifulethi? Laba yibo bonke abantu abahlala kuleli zwe njalo futhi njalo ukukhokha izintela. Nokho, kukhona ezimbalwa umehluko wemisindo nemiqondo yamagama: efulethini noma indlu kufanele uthenge kubo esikhwameni salo noma indlu. Uma efulethini yathengwa bawabekela izihlobo, abaqashi kanye nabanye abantu ngokomzimba, intela imali ebanjwayo ingakhokhiwe ezenziwe. Ukudoswa ungenziwa kuphela uthole labo bantu abathengisa 2001. Kwakuphakathi nalesi sikhathi, umthetho lokhu isaphulelo sentela force. Nokho, impahla imali yentela has a ukuphila eshalofini: lemali ekhokhwe intela ingcebo, ungabuyela nje kusukela ngosuku ukudayiswa eminyakeni engaphansi kwengu-3. Uma umnqamulajuqu weza, umnikazi ilahlekelwa ngokuzenzakalela ilungelo le inzuzo yokwenza lokhu kuthengiselana. Nokho, maningi amathuba okuthi ukusizakala lokhu ibhonasi, uma futhi uzokwenza impahla ukuthengiselana.

Kunezinye umehluko wemisindo nemiqondo yamagama: abazali bakhokhe impahla ebanjwayo for izingane. Nokho, lokhu kwenzeka kuphela uma ingane akuyona omdala. Kulokhu, lemali imbuyiselo izobalwa kusukela izintela Imininingwane ikhokhwe, futhi hhayi nanoma iyiphi izingxenye zalo. Uma ingane ifinyelele yobudala futhi ungumnikazi efanayo indlu, njengawe, angabenza sokubuyiselwa imali yentela ngoba wena. By the way, ubuyisele inkokhelo uyakwamukeliswa kuyoba izikhathi eziningi ephakeme kunesakho. Nokho, kusukela ngaleso sikhathi, ulahlekelwa ilungelo lokhu inzuzo. Sikhumbuza naleso sakhamuzi yezwe ungathola imali yentela yesikhathi esisodwa kuphela ekuphileni kwakhe. Ngakho zama ukusebenzisa leli thuba ngokuhlakanipha futhi inzuzo.

Kuphi amadokhumenti, futhi lapho iphakethe kudinga ehhovisi lentela, ukukhokha ezikhokhiswayo yakho? Wena kumele zifake phakathi isitatimende uMnyango Ukuhlolwa intela, lapho uhlelela yokuthengisa wakho wokuthenga kanye wakhokhela lemali egcwele intela. Ndawonye ngesitatimende esibhalwe phansi ngokuqinile ngokuvumelana imodeli, kufanele uhlinzeke amadokhumenti alandelayo: okokuqala, it is a inkontileka, okufakazela iqiniso yokufuna impahla. Eyesibili incwadi ebalulekile - iphepha, okuyinto kuyinkomba yokuthi ungumnikazi welinye ifulethi noma indlu. Uma nengxenye ukwakhiwa ngokuhlanganyela, ubufakazi bobunikazi kuyoba isenzo ukwamukelwa kanye ukudluliselwa esakhiweni.

Okulandelayo, kumele uze iphepha okufakazela ukuthi efakwe ohlwini isamba n-th lemali nomthengisi. Lokhu kungaba irisidi, irisidi, isheke, njll Uma impahla itholwe yi ngawe loan, khona-ke kufanele alethe isitifiketi bentela ebhange phezu kwaso inzalo yemali ikhokhwe. Kanye ikhophi isivumelwano sesikweletu uqobo.

Kumelwe futhi uhlinzeke iphepha nazo zonke imisebenzi ukuthi kufanele akhokhe intela ku 13 amaphesenti rate. Ikakhulukazi kumayelana kwesikhathi uma wathenga indawo futhi kudingeka impahla intela ebanjwayo. By the way, impahla okuyiwona idatha wathembela izinzuzo - kungcono nje yokuhlala. Ukuthenga umhlaba kulokhu akubhekwa.