11/08/2023

Ababolekisi bemali mboleko yorhwebo baluncedo ekuboneleleni ngezisombululo zemali kumashishini.Nokuba ungumnini weshishini elincinci ojonge ukwandisa okanye ungumphuhlisi wezindlu nomhlaba ocwangcisa iprojekthi entsha, ukuqonda ilizwe lemali mboleko yorhwebo kunye nokukhetha umbolekisi ofanelekileyo kubalulekile.Esi sikhokelo sibanzi siya kukunceda ujonge ummandla weemali mboleko zorhwebo, ufumane oyena mntu ubolekisa ngemali kwiimfuno zakho, kwaye wenze izigqibo ezinolwazi ngemali.

Ukuqonda iiMali-mboleko zoRhwebo

Iimali-mboleko zorhwebo ziimveliso zemali eziyilelwe ukunceda amashishini aneemfuno ezahlukeneyo zemali, kubandakanya:

• Inkxaso-mali yezindlu nezakhiwo: Oku kuquka iimali-mboleko zokuthenga, ukuxhasa ngemali, okanye ukuphuhlisa izakhiwo zorhwebo, ezifana nezakhiwo zeeofisi, iindawo zokuthengisa, okanye izakhiwo zemizi-mveliso.
• Iimali-mboleko eziSebenzayo: Ezi mboleko zibonelela ngenkxaso-mali yexesha elifutshane kwimisebenzi yeshishini yemihla ngemihla, ihlawulela iindleko ezinje ngentlawulo, uluhlu lwempahla kunye nerenti.
• Inkxaso-mali yeZixhobo: Amashishini anokuqinisekisa iimali-mboleko zokuthenga okanye zokuqeshisa izixhobo ezifunekayo ukuze aqhube okanye andise imisebenzi yawo.
• Ukwandiswa kweShishini: Imali-mboleko yokukhula kweshishini, nokuba kungokuvulwa kweendawo ezintsha, ukongeza imigca yemveliso, okanye ukuqesha abasebenzi abaninzi.

IiNzuzo zeMali-mboleko yoRhwebo

Iimali-mboleko zorhwebo zibonelela ngeenzuzo ezininzi kumashishini:

• Ukufikelela kwiNkunzi: Ezi mboleko zibonelela ngofikelelo kwinkunzi efunekayo kwiinjongo zoshishino ezahlukeneyo, ezivumela iinkampani ukuba zilandele amathuba okukhula.
• Ukuxhaswa ngezimali kwee-Asethi: Iimali-mboleko zentengiso yendawo kunye nenkxaso-mali yezixhobo zinokunceda amashishini afumane kwaye asebenzise ii-asethi.
• Imiqathango eguquguqukayo: Ababolekisi badla ngokulungelelanisa imiqathango yemali-mboleko ukuze ihlangabezane neemfuno ezithile zeshishini, kuquka inzala, iishedyuli zokuhlawula, kunye neemfuno zesibambiso.
• Ukwakhiwa Kwetyala: Ukulawula ngempumelelo kunye nokubuyisela imali mboleko yorhwebo kunokuphucula iprofayile yeshishini letyala, okunokukhokelela kwimimiselo engcono kwixesha elizayo.

Ukufumana uMbolekisi oLungileyo weMali-mboleko yoRhwebo

Ukukhetha umbolekisi wemali-mboleko yorhwebo olufanelekileyo sisigqibo esibalulekileyo.Nanga amanyathelo abalulekileyo ekufuneka uwaqwalasele:

1. Chaza Iimfuno Zakho

Cacisa ngokucacileyo iimfuno zemali zeshishini lakho kunye neenjongo.Qinisekisa uhlobo lwemali-mboleko eyifanele imeko yakho, nokuba yimali-mboleko yezindlu nomhlaba, inkunzi yokusebenza, okanye imali-mboleko yezixhobo.

2. Phanda kwaye uthelekise ababolekisi

Phanda ababolekisi bemali mboleko yentengiso kwindawo yakho.Thelekisa iimveliso zabo mboleko, inzala, imiqathango kunye neentlawulo.

3. Uthethwano lweNgcali

Cinga ngokufuna iingcebiso kubacebisi bezezimali okanye abacebisi abanamava kwiimali mboleko zorhwebo.Banokukukhokelela kubabolekisi abaziingcali kuhlobo lwemboleko oyidingayo.

4. Udumo kunye namava

Khetha umbolekisi onegama eliqinileyo kunye nerekhodi yokusebenzela amashishini afana nelakho.Ukufunda uphononongo kunye nokucela iingcebiso kunokubonelela ngengqiqo ebalulekileyo.

5. Imigaqo yeMali-mboleko

Ukuphonononga ngononophelo kwaye uthelekise imimiselo yemali-mboleko, kubandakanywa amazinga enzala, iishedyuli zokuhlawula, kunye neemfuno zesibambiso.Qinisekisa ukuba imiqathango ihambelana nezakhono zeshishini lakho.

Ukuqukumbela

Ababolekisi bemali-mboleko yorhwebo bangamaqabane axabisekileyo kumashishini afuna inkxaso yemali yokukhula nophuhliso.Ezi mboleko zibonelela ngokufikelela kwizisombululo zenkunzi nezezimali.Nangona kunjalo, undoqo kwimpumelelo luphando olucokisekileyo, ingcebiso yeengcali, kunye nokukhetha umbolekisi othembekileyo namagama avumayo.Ngombolekisi ofanelekileyo wemali mboleko yentengiso ecaleni kwakho, unokuthatha amanyathelo okuzithemba ekuphumezeni iinjongo zeshishini lakho kunye nokukhusela ikamva lezemali elinempumelelo.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.