Imali-mboleko yokwakha ayithandwa kakhulu kuneemali-mboleko eziphantsi ekhaya, kodwa ziyafumaneka kubaboleki abaninzi.
Ukuba ucinga ngokukwakha , eli phepha lichaza izinto ezisisiseko zezi mboleko. Nangona kunjalo, wonke umboleki uyaphatha izinto ngendlela eyahlukileyo, ngoko ke iinkcukacha ziya kuxhomekeka kubani osebenza nabo.
Isiseko seMali yoKwakha
Imali-mboleko yokwakha iyimali-mboleko yexeshana elifutshane kwi-real estate. Ungasebenzisa imali mboleko ukuthenga umhlaba , unokwakha kwipropati esele uyenayo, kwaye kunye neenkqubo ezithile unokulungisa kwakhona izakhiwo ezikhoyo. Ezi mboleko zifana nomgca wekhredithi : uboleka kuphela into oyifunayo xa uyayidinga, kwaye uhlawula kuphela umyinge kwimali eboleweyo (ngokuphambene nomboleko oqhelekileyo, apho uthatha i-100% yemali ekhoyo ngaphambili kwaye qalisa ukuhlawula inzala kwimali yonke ngokukhawuleza).
Ngexesha lesakhiwo sokwakha, ngokubanzi uza kwenza iintlawulo zenzalo kuphela (okanye akukho ntlawulo kuzo zonke iimeko) ngokusekelwe kwisixa obolekelwe ukuba ufike kumhla. Njengoko kufikeleleke kwiimpawu ezithile, wena okanye umakhi wakho uya kucela iintlawulo zeendleko zomsebenzi ogqityiweyo.
Umhloli uya kuqinisekisa ukuba umsebenzi wenziwe (kodwa awuyi kuvavanya umgangatho womsebenzi), kwaye ukuhlawulelwa kuya kuya kumakhi ukuba konke kulungile.
Iimali zihlala zingaphantsi konyaka omnye, kwaye zibuyiselwa ngenye mboleko "esigxina" - uya kulahla umboleko wokwakha xa isakhiwo sigqibe.
Ekubeni ukubolekwa kwemali-mboleko kunamanani aphezulu (amaninzi atshintshayo) kuneemali-mboleko zasekhaya, awufuni ukugcina imali mboleko ngonaphakade. Ukuthatha umhlala-phantsi mboleko, uya kufumana uvavanyo kunye nokuhlola kwipropati ezalisiweyo kwaye uhlaziywe kwimboleko efanelekileyo .
Kukho iindlela ezimbini zokususa umboleko wesikhashana:
- Faka isicelo se mboleko entsha emva kwesakhiwo sigqityiweyo, okanye
- Hlela zombini iimboleko eziphambili (ezaziwa nangokuthi ukuvalwa komntu omnye)
Imali evela kumboleko wokwakha ingasetyenziselwa phantse nayiphi na iprojekthi yeprojekthi yakho: ukuthenga umhlaba, ukumba imingxuma, ukugalela isiseko, ukulungiswa, nokugqiba. Ungakwazi kwakhona ukwakha iigaraji, iziseko ezisisiseko kunye nezinye izakhiwo, kuxhomekeke kwimigaqo-mboleko yakho.
Njengoko uninzi lweemali-mboleko, musa ukuziboleka kwi-100% yento oyifunayo. Abaninzi ababolekayo bafuna ukuba ubeke uhlobo oluthile lobulungisa kulo mcimbi. Unako ukuzisa imali etafileni, kodwa ukuba sele unelungelo lomhlaba ungasebenzisa ipropati njengobuncwane esikhundleni sekheshi.
Isicwangciso esiqinileyo
Ukuze ufumane umboleko wokwakha, uya kufuneka ufaneleke , njengokuba kukho nayiphi na enye mboleko. Oko kuthetha ukuba ufuna i- credit and good ratings ( inkokhelo kwingeniso kunye nemboleko ukuxabisa ). Ingeniso ehambelanayo inceda.
Imali-mboleko yokwakha iyingqayizivele kuba ibhanki kufuneka ivume izicwangciso zakho zokwakha.
Ukuba uthengeza kumakhi osebenza rhoqo kunye nomthengisi othile, iimvume ziya kulungiswa. Nangona kunjalo, iiprojekthi ezininzi "zesiko" zinokuba nzima. Lindela umboleki wakho ukuba abuze iinkcukacha ezipheleleyo malunga neprojekthi: ngubani owenza umsebenzi, oza kwenziwa njani ngokuthe ngqo (imidwebo yezakhiwo ziya kunceda), yintoni isimiso, zeziphi iindleko ezixeliweyo, ngaba isakhiwo siyahlangabezana neempawu zendawo kunye nezidingo, kwaye ixabiso le propati liyakufaneleka kangakanani ekugqityweni? Ngelishwa, awukwazi nje ukuphilisa.
Kuthekani ukuba ufuna ukwenza yonke umsebenzi wokwakha ngokwakho? Oku kwenza izinto zibe nzima nakakhulu. Amabhanki anqikaza ukusebenzisana nabakhi-abakhi-bayesaba ithuba elihle lokuba iphrojekthi iya kuhamba-yekhosi. Ngaphandle kokuba unkonkontrakthi ogcweleyo wengcali epheleleyo eneeminyaka, uza kufuneka uqeshe omnye umntu.
Ukuba necebo likhulu, kwaye ukuguquguquka kunokuba ngcono. Iiprojekthi zokwakha ziyaziwa ngokuba zilibaziseko kunye nezinto ezixakekileyo, ngoko qi niseka ukuba ushiye elinye igumbi. Ungacwangcisi ukuchitha yonke into ebhankini ekulungele ukukunika, kwaye ungacwangcisi ukuphuma ekhaya lakho elikhoyo emva komhla wokugqitywa "okucetywayo".