Isiqinisekiso soBuntu
Isiqinisekiso somntu siqu sinceda abanini bezoshishino ukuba bavunyelwe ukuboleka imali. Ukwenza isiqinisekiso, uthembisa ukuhlawula amatyala aseburhulumenteni usebenzisa i-asethi yakho, kuquka imali, i-estate, kunye nezinye izinto.
Ngokufanelekileyo, ishishini liya kuhlawulela nayiphi na amatyala, kwaye isiqinisekiso sakho somntu siqu nje ngumnatha wokhuseleko. Kodwa ababolekisi bazimisele ngakumbi xa banesibambiso-kuphela xa kunjalo.
Isiqinisekiso: Iziqinisekiso zomntu siqu ziyingxenye yesivumelwano semboleko. Ngexesha lokufaka isicelo (okanye imvume), ababolekisi bafuna abanikazi boshishino ukuba basayine idokethi echaza indlela umboleki-mali angaqokelela ngayo ukuba ishishini lihluleka ukuhlawula umboleko.
Into othembisa ngayo: Isiqinisekiso somntu siqu sinokukhuselwa okanye singakhuselekanga, kuxhomekeke kumboleki wakho. Unokwenza ukuba uthembise iimpahla ezithile, njengekhaya, okanye imali egcinwe kumaziko emali.
Iimpahla kunye nekhredithi: Ukongezelela kwiimpahla ozithembisayo, i-credit card yakho ibhalwe kumgca ukuba umboleko awuhlawulwa njengoko kuvunyelweneyo.
U xanduva? Isiqinisekiso somntu siqu sinciphisa ukukhuselwa kwesibophelelo ekubandakanyekeni (ngokwenza i-LLC, i-S-Corp, okanye elinye iqumrhu). Abanikazi bezentengiselwano bavuma ngokucacileyo ukuhlawula amatyala, ngoko ukulahlekelwa kwezoshishino kungabikho ilahleko.
Kutheni Ababoleki befuna isiqinisekiso somntu siqu
Ababoleki bahlala behlola ababolekisi ukuba baqikelele ukuba ngaba baya kubuyiselwa okanye bangayi kubuyiselwa. Iimboleko zemboleko zabathengi, izikolo zemali-mboleko kunye neminye imithombo yolwazi iyafumaneka ukunceda kwisigqibo. Kodwa amashishini-ngokukodwa iinkampani ezintsha okanye abo abangazange baboleke-kaninzi abanalo imbali yecredit-specific .
Ngolwazi olungapheliyo, kunzima kubabolekisi ukwenza isigqibo. Baya kuba bekhululekile xa bebona ukuba ubole imali kwixesha elidlulileyo kwaye uhlawulelwe njalo. Kodwa kungekho nkcukacha zembali eziza kunceda ekuthathweni kwezigqibo, ababolekisi bafuna uhlobo oluthile lokhuseleko (okanye bahlawula umlinganiselo wenzalo ephakamileyo kakhulu). Olu khuseleko luvame ukuza ngendlela yesigqibo somntu siqu. Kodwa ezinye iindlela, ezifana nokubambisa iimpahla zoshishino njengento yokubambisa , nazo zinokukhetha.
Ngaphandle kwesiqinisekiso somntu, amaninzi amashishini amancinci akakwazi ukufumana iimboleko. Amabhanki afuna ukuphucula amathuba abo okuhlawulwa, kwaye bayazi ukuba amashishini ahluleka lonke ixesha.
Ababoleki bafuna ukhetho lokuqokelela kungakhathaliseki ukuba kwenzekani kwi shishini lakho. Ukutyikitya isiqinisekiso somntu siqu sinokuba ngumqondiso: Kutheni ababolekisi bebeka ingozi xa wena, njengomnini-shishini, ungafuni ukubeka isikhumba kumdlalo?
Yintoni eyingozi?
Xa unikezela isiqinisekiso somntu siqu, uvumela umnini-mboleko ukuba akulandelele ukuba ungayikhokhe imali mboleko. Oko kunokuthetha izinto ezahlukeneyo, kuxhomekeke kwisivumelwano sakho semali mboleko. Njengengxenye yesiqinisekiso, usenokuba unike imvume yebhanki ukuba ithathe ipahla, njengepropati onayo (kubandakanywa nezinto zakho zasekhaya kunye nezinto ezithile) okanye i-akhawunti ye-investment.
Isenzo somthetho: Ukuba i-asethi ayinelanga ukuhlawula ityala lakho, kusenokwenzeka nokuba ababolekisi bangathatha isenzo somthetho kuwe. Isigwebo siyakonakalisa i-credit card yakho kwaye yenza kube nzima ukuboleka kwikamva. Ngaphezu koko, ukunyamekela kwimboleko kungenza kube nzima ukufumana umsebenzi, ukuthenga i-inshorensi okanye ukurenta indawo yokuhlala.
Impahla yentsapho: Isiqinisekiso sakho somntu kwimboleko yoshishino kunokuchaphazela intsapho yakho. Ukulahlekelwa yindlu kubonakala ingxaki. Ezinye iingxowa-mali zingaphinda zifune ukuba isignesha yakho iqabane ukuze i-asethi ibanjwe kuphela kwigama lomlingane lakho ibhola elifanelekileyo. Ngaphandle koko, unokuhendwa ukuba utshintshe iifa kwigama lomlingane wakho ukuboleka ingozi.
Ukuhlawula amaqabane: Ukuba unamaqabane, usenokuba yintambo engaphezulu kwesabelo sakho esilungileyo xa usayina "isivumelwano esihlangeneyo kunye".
Eli lungiselelo livumela ibhanki ukuba izame ukuqokelela yonke ibhalansi kunoma yimuphi na okanye onke amaqabane aqiniseke ngokuqinisekileyo ngemali-mboleko yezoshishino. Ukuba amanye amaqabane akakwazi ukuhlawula, ibhanki inokufuna yonke ibhalansi kuwe. Nangona awukho umnini weepesenti ezingama-100, unokuba ngu-100 ekhulwini elijongene netyala . Ekugqibeleni, ababolekisi bahamba emva kwabo bonke abaneeplastiki ezinzulu kunye nokukwazi ukubuyisela.
Indlela yokuLawula ingozi
Ukuba ngaba ungasayina isigqibo sakho somntu ekugqibeleni kukuxhomekeke ekubeni unokukwazi ukuthatha ingozi. Kukwabulumko ukunciphisa ingozi yakho kunokwenzeka.
Ukuxoxisana: Ababolekisi banokunikela ngesivumelwano esivumelekileyo sokucela ukuba usayine ubomi bakho, kodwa unokuhlala ucela utshintsho kuloo mvumelwano. Qaphela ukuba kunokwenzeka ukugcina impahla yeentsapho kwitafile, okanye ukuba unokuqinisekisa ukuba ngaphantsi kwama-100 ekhulwini lemali-mboleko. Okungcono isicelo sakho sembolekiso, igumbi lokuthetha-ngxoxo oza kuba nalo. Ngoko upende umfanekiso ocacileyo wokuba kutheni ibhizinisi lakho liza kuphumelela kwaye ungayi kuba neengxaki zokuhlawula imali.
Zahlukanise: Kungcono ukufuduka kwiiqinisekiso zobuqu njengoko ishishini lakho litshintsha. Xa usakha ikhredithi kwishishini lakho kwaye uqokelele iimpahla zokubambisa, unokuyeka ukuqinisekisa ukubolekwa kwemali mboleko. Okwangoku, unciphisa ingozi yakho ngokuboleka ngokuhlakanipha.