Isixhobo soTyalo-mali esininzi
Ininzi yeengqwalasela apha kukuxubusha iingcamango ezisisiseko zokukhetha kunye nesakhiwo ukusuka apho.
Enye ingqwalasela ephambili ekukhokheni ukuqonda kwakho indlela ongakhetha ngayo . Lelo lwazi likuvumela ukuba usebenzise ngokufanelekileyo ukhetho.
Kulula kumntu ozijonga njengendlela yokukhetha utitshala ukuba axelele abantu ukuba bafanele bathenge iintetho zefowuni xa bekulindele ukuba intengo yesitokisi esingaphantsi kwintengiselwano kunye nokuthenga ibeka xa ikulindele ukuhla.
Nangona kunjalo, loo nto iya kuba yinkxaso enkulu kulabo bafundi. Kukho okunye okuninzi ukusebenzisa izikhetho kunokuba uqikelele ukuba i-stocks izakuhamba phezulu okanye ezantsi . Ngendlela: ukufumana inzuzo kuloo nto yokuqagela kunzima kakhulu kunokuba kubonakala ngathi.
Izinketho zenziwe njengezixhobo zokunciphisa ingozi. Ukuze kube ngakumbi, zadalwa ukuba zitshintshe umngcipheko kulabo bafuna ukuphepha ingozi enkulu kulabo abazimisele (umrhumo) ukuba bamkele loo mngcipheko. Ukuba oku kuzwaka ngathi ukuba iinqunto zingasetyenziselwa njengenqubomgomo yomshuwalense, ngenxa yokuba banako. Uninzi lwabantu abasandul 'ukhetho kwihlabathi alinakuze luqaliswe kwingcamango yokunciphisa ingozi kwaye ngokugqibeleni igqibe ukusebenzisa iindlela ezifana nomngcaka. Siyakukhuthaza ukuba usebenzise okukhethwa kukho njengomntu ofuna umngcipheko omncinane xa utyalo-mali kwimarike.
Isigqibo sokugqibela malunga nendlela osebenzisa ngayo ukhetho. Umsebenzi wethu ukuqiniseka ukuba abafundi baqonda umahluko phakathi kokubeka ingozi kunye nokukhusela ingozi - ukuze benze izigqibo ezinengqiqo.
Ngako-ke, amaninzi amanqaku abhekisela kwiindlela zokuvelisa inzuzo ngengcipheko encinci (oko kukuthi, ngemali encinane kumgca).
Ukuba ukhetha ukucinga, qwa lasele ukufunda indlela ongakhetha ngayo ibhanana .
Uphephelo lweengozi kunye nokucacisa
Xa uthengisa i-inshurensi yabanini , uqhuba ukubheja kunye nenkampani yomshuwalense. Umrhumo ophezulu (i-premium), inkampani yinshurensi iqinisekisa ukubonelela imali yokutshintsha indlu yakho, ukuba iyatshatyalaliswa.
Awulindele ukuphumelela ukubheja. Enyanisweni unethemba lokuba umgaqo-nkqubo we-inshorensi uphelelwa ngaphandle. Nangona kunjalo, uthenga i-inshorensi xa ungeke ukwazi ukubuyisela indawo yakho ekhaya ukuba kungalindelekanga. Ngoko uthenga i-inshorensi uxolo lwengqondo olunikezelayo.
Umngcipheko wokugcina umngcipheko unokukwenza okufanayo. Ngokuhlawula i-premium ukuthenga ukhetho olukhethiweyo, umnini-mgcini-mboleko uqinisekisiwe (ngenxa yokuphila kwenketho) ukuba ixabiso lesitokhi alikwazi ukuwela ngaphantsi kwinqanaba lemali elithile ( intengo yesiteleka yenketho). Ngokuqhelekileyo kwenzeka nge-inshurensi yabanini, ixesha lidlulayo, umgaqo-nkqubo we-inshorensi uyeka okanye ukhetho olukhethiweyo luphelelwa yisikhathi, kwaye iindleko zokuqinisekisa ukuba ipropati ilahlekile. Umbuzo kubantu abaninzi kukuba ingaba ixabiso lifanelekile uxolo lwengqondo olunikezelayo. Impendulo iphinda ibe 'yee' xa isebenza nekhaya. Abanini-zimpahla kufuneka benze ukuzimisela ngokucophelela, kuba ukuthenga kufaka uhlobo olubi lwe-inshurensi.
Ingongoma yale ngxoxo kukuqiniseka ukuba uyazi ukuba.
- Beka abathengi bavame ukuza kwiintlobo ezimbini. Abatyalomali abanononophelo abanesitokisi. Umthengisi onobudlova ozimisele ukubethelela ukuba intengo yesitoko iya kuncipha.
- Beka abadayisi becala ukuba bacinge (oku akusiyo ixesha lokuthetha ngokungafani) ngokubheja ukuba ixabiso lesitokhi aliyi kunciphisa, okanye ubuncinane ukuba akuyi kunciphisa ngokwaneleyo ukuphumela ekulahlekelweni kwemali.
Okukhethwa kukho luncedo malunga nabo bonke abatyalo-mali.
Ukunciphisa umngcipheko xa utyalo-mali, kukho iindlela ezininzi zokukhetha ezifanele ukuhambelana neemfuno zakho-kubandakanya ukubhalwa kweefowuni kunye nokuthengisa imali . Simele sitsho ukuba ukuthenga kufaka njenge-inshorensi xa isisitishi sakho singakhethi kakuhle. Kukhethwa ngokukhethekileyo kuba abatyali-mali abazenzi umzamo ukuqonda okukhethwa kukho kunye nokuba bafanele ngaphambi kokuba benze ukhetho lwabo lokuqala.
Ukuba ukhetha ukucinga, ngoko sikhuthaza ukuba uqaphele umngcipheko ochaphazelekayo. Siza kuthetha malunga nokusabalala kunokuba zikhethwe ngabanye xa sisebenzisa iindlela ezahlukeneyo zokukhetha . Leyo ndlela efanelekileyo yokunciphisa imali emngciphekweni.
Ingongoma ephambili kukuba ufanele ugweme ukuthatha umngcipheko olungenamkhawulo xa kulula ukukhawulela umngcipheko ngawo wonke urhwebo. Ukulawula umngcipheko kuya kuba yintloko ekujoliswe kuyo kula manqaku.