Kuqhelekile ukuba kwimeko yokusebenza kakubi kwiimarike ze-equity uneengxaki ezithile onazo amatyala aneleyo kwiakhawunti yakho yokutshekisha. Ngokukodwa ukuba awuxhaswanga ngumvuzo okanye umvuzo ophindaphindiweyo. Ewe kunjalo, imeko engafunekiyo kwicala labatyali mali kwaye enesisombululo esinzima kakhulu. Enye yeemveliso zebhanki ezimbalwa ezinokukunceda uphume kule ngxaki ngamakhadi etyala. Kodwa banolwazi olucace gca kwaye awunyanzelekanga ukuba uhlawule inzala phantsi kwawo nawuphi na umba.
Olu didi lwamakhadi etyala ligunyazisiwe ziibhanki. Kodwa ngeempawu ezichaziweyo, njengoko uza kuba nakho ukubona ukusukela ngoku. Kuba, eneneni, imalunga plastiki ezijoliswe ngokukodwa yomqokeleli. Kwaye ke, ngekhe ube nakho ukusebenzisela ezinye iinjongo, njengokuba ungazukukwazi ukurhola nayiphi na imali kumasebe ebhanki okanye kwiiATM. Umahluko wokuqala owahlula la makhadi kwabanye.
Benzelwe ukuthenga kwifayile ye- amaziko okuthenga kunye neempawu. Nangona igcina imisebenzi efanayo naliphi na ikhadi lekhredithi elixabisa ityuwa yalo. Ngokwesiqhelo kwifomathi yokunyaniseka. Ithetha ntoni le nto? Ewe, into elula njengaleyo kufuneka uthembekile kwiziko okanye uphawu lwentengiso. Kuba ukubuyela kwabo, baya kukubonelela ngeenzuzo ezingaphezulu kwaye enye yezona zinto zibalulekileyo kukuba unokukuhlehlisa ukuthenga ngaphandle kwenzala okanye ezinye iindleko kulawulo lwabo. Ngenxa yolu mkhwa, abasebenzisi abahamba nengxaki yemali baya kuba kwimeko entle yokufikelela ukuphela kwenyanga nge-akhawunti eseleyo eseleyo.
Amakhadi etyala: akukho nzala ihlawuliweyo
Ngale ndlela ikhethekileyo yokuhlawula, akukho mathandabuzo ukuba uya kuba nakho ukwenza uthotho lokuthenga, kodwa ngaphandle kokuphakamisa eyakho inqanaba lamatyala. Ayothusi into yokuba le yenye yeempawu zayo eziphambili kwaye ihlukile kwabanye. Ukuya kwinqanaba lokuba abahlali belahlekile kwipotifoliyo yabasebenzisi beebhanki. Kuba ikwavumela ukuba uqhubeke nokonwabela amakhadi etyala aqhelekileyo. Ngokusebenza kunye nokuhamba kweakhawunti, njengokutsalwa kwemali kwii-ATM, ukugqithiselwa kwiakhawunti yakho yokutshekisha okanye ukwenza iintlawulo kwi-intanethi.
Nangona kunjalo, le ndlela ikhethekileyo yokuhlawula ivumela abanini bayo ukuba bayirhoxise intlawulo kumaziko aphambili okuthenga. Ukuze ngale ndlela, bafumane imeko engcono ekupheleni kwenyanga kwaye bathintele ezinye iindleko ungalungelelanisi kakuhle uhlahlo-lwabiwo mali losapho okanye ubuqu. Isizathu soku ngale ndlela kukuba ukulibaziseka kwentlawulo kuya kwenziwa ngaphandle kwalo naluphi na uhlobo lomdla. Ngamanye amagama, kwi-0%, eyona ndlela ifanelekileyo yokunganyusi inqanaba labasebenzisi beebhanki.
Iindleko zale mali incinci
Iintshukumo zokuthenga eziphuhliswe lolu didi lweplastikhi alunamdla. Kodwa akusayi kubakho lunyango ngaphandle kokuthobela imihla ebekiweyo yokubuya kwayo kuba isohlwayo sale meko siphezulu kakhulu. Ngomlinganiselo onokufikelela kwi-20% kwezinye iimeko ezifanelekileyo. Kungumngcipheko ukuba abathengi bangene kwaye ke uqeqesho lokuphumeza iakhawunti luyakuba yinto ebaluleke kakhulu kuphuhliso olufanelekileyo lwamakhadi etyala.
Kwelinye icala, ayinakulityalwa ukuba le ndlela yokuhlawula, ngokubanzi, ayibandakanyi nkcitho ekukhutshweni, kulawulo nasekugcinweni kwekhadi. Ukuba akunjalo, ngokuchaseneyo, ukuqesha kwakho akukho simahla kwasekuqaleni. Ngokungafaniyo nezinye iiplastiki ezinezichumisi ezinako ukufikelela kwi-100 euro ngonyaka kwezi ngqikelelo. Ukusuka kule ndawo yokujonga, la makhadi etyala aluncedo ngakumbi kumnini wekhadi. Kungenxa yokuba, ukongeza, ukusebenziseka kwayo kungaphaya kwamathandabuzo xa kunxulumene nokusetyenziswa.
Imigaqo yokuhlehlisa
Njengoko kuchaziwe kolu lwazi, enye yeenzuzo ezichaphazelekayo kukuba akukho nzala yenziweyo kwiintengo ezenziwe. Kodwa ixesha elide kangakanani? Ewe, kangangexesha elihlala lijikeleza ukusuka kwinyanga enye ukuya kwezintandathu kwaye kuxhomekeke kwimodeli yekhadi ekhethiweyo. Kuzo zombini iimeko, akukho makhadi emigqaliselo emide yokuhlawula. Kungenxa yokuba kwezi meko zithengiswa phantsi kwesicelo senqanaba lenzala elinokufikelela ngokugqibeleleyo kwi-20%. Ngaphandle kweenkonzo kunye nezibonelelo ezenziwe ngalo ikhadi.
Isicwangciso sokwenza lo msebenzi sibangelwa ukuthembeka kwabathengi xa uzama ukukhuthaza ukuthenga kwakho kwivenkile ethile okanye uphawu nje. Ixabiso abanini bale ndlela yokuhlawula banalo lokuba baya kuba nakho ukuyihlehlisa le misebenzi ngaphandle kwenzala. Oko kukuthi, baya kuba nexhala kuphela ngokubuyisa imali abayihlawuleyo kwimisebenzi yabo yeshishini. Ayikho enye into, nkqu iikhomishini okanye ezinye iindleko kulawulo lwayo. Yeyona nto iphambili ekukhuthazeni ukuthengisa le mveliso yemali nangaphezulu kwezinye izinto eziqwalaselwayo.
Umda wekhredithi kumakhadi
Ewe awunayo ikhredithi kwimo yesiqhelo yekota. Ukuba akunjalo, ngokuchaseneyo, yenzelwe kuphela ukwenza ukuthengwa kube sesikweni ngaphezu kwayo yonke enye into. Kodwa nangona kunjalo, ikuvumela ukuba ube nekhredithi phakathi kwe-1.000 kunye nama-3.000 euros. Kwaye oko kuyahlaziywa njengoko imali ibuyiswa ngokwemiqathango ekuvunyelwene ngayo ngamaziko emali. Kwelinye icala, zikwasetyenziselwa ukwenza ukubhukisha kwabakhenkethi, njengokufumana itikiti lenqwelomoya okanye ukuqesha iphakheji yeholide kwiarhente yokuhamba.
Ngokuchasene noko, into engenakwenziwa kwimowudi yetyala ziintengiselwano zetyala. Ukurhoxiswa kwemali kumasebe ebhanki okanye kwii-ATM. Ezi ntshukumo zemali zigcinelwe elinye iklasi lamakhadi etyala aqhelekileyo. Akumangalisi ukuba la makhadi enziwe ukuba anelise oku kunye nezinye iinjongo zorhwebo zabakhuphi bale ndlela yokuhlawula i-atypical kwisibonelelo sebhanki sangoku. Kungenxa yokuba akukho lula ukulibala ukuba ayilo khadi onokulisebenzisa.
Amashishini adibeneyo
Ukuba la makhadi okuthenga ngetyala ahlukaniswa yinto, kungenxa yokuba kwinxalenye enkulu yesibonelelo sebhanki, iiplastikhi zinxulunyaniswa namashishini aqhotyoshelweyo. Ngenxa yoku, lo njongo ukuthembeka kwabathengi Ngale ndlela, okukhona isetyenziswa iplastiki, kokukhona izibonelelo ziya kuthi zifunyenwe ngabanini bezi ndlela zokuhlawula. Kungenxa yokuba baya kuba bekwimeko entle yokusebenzisa izibonelelo kunye nokwenyusa kwamaziko okuthenga kunye nomphezulu. Ngaphandle kweenkonzo kunye nezibonelelo ezibonelelwa ngale ndlela ikhethekileyo yokuhlawula.
Eyona nto iphambili kuyo
Ukuba la makhadi etyala abonakaliswa ngento ethile, kungenxa yokuba abanini bawo banokuba nayo ezahlukeneyo zamathuba ezemali, kubandakanya iindlela ngaphandle kweendleko kubasebenzisi kwaye kunjani kule meko. Kude kube ukuhlehlisa ukuhlawulwa kwezinto ozithengileyo ukuya kuthi ga kwiinyanga ezili-12 ngenqanaba lenzala eliphakathi kwe-15% ne-20%, kuxhomekeke kwimodeli yeplastiki ekhethwe ngabasebenzisi bebhanki. Kwelinye icala, banenye inketho esekwe ekuceleni ukusebenza ekusebenzeni kwabo ngokubizwa ngokuba ziikhredithi ezikhawulezileyo. Oko kukuthi, ngokukhawuleza, kodwa uthatha umdla kulungelelwaniso lwayo.
Ukusuka kolu luvo, olu didi lweekhredithi ngokusebenzisa ikhadi lezi mpawu kufuneka zisebenze kuzo phuma ngokukhawuleza, ngaphandle kokuphakamisa inqanaba lamatyala, elisekupheleni kosuku okubandakanyekileyo. Kuba kwelinye icala, akucebisi ukuyeka uluvo lokuba la makhadi anecandelo elomeleleyo lezorhwebo kwaye lithathwe kukunyaniseka kwabaninizo. Ayothusi into yokuba iyakukunceda unyuse inqanaba lakho letyala kwiinyanga ezizayo okanye kwiminyaka.
Akukho sidingo sengcaciso
Elinye lamaxabiso ongezelelweyo kukuba awuzukuchaza ukuba yintoni injongo oza kuyinika eli klasi lamakhredithi amancinci. Unokwenza nantoni na oyifunayo ngayo, ngaphandle kwalo naluphi na uhlobo lwezizathu zomthetho. Kwelinye icala, isibonelelo sayo sisebenza kwangoko kuba ungayifumana xa uyifuna ngokwakho. Kungenxa yokuba ngumgca wekhredithi onxulunyaniswe neemeko zekhadi elinezi mpawu. Ke ngoko, awuyi kufuna imvume ehambelana nayo kuba uyivumile kwangaphambili.
Okokugqibela, khumbula ukuba olu hlobo lwenkxaso mali luhlala luxhumene necandelo labathengi kwaye linenjongo yokuba uthenga ngakumbi kunangaphambili. Nangona ngexabiso lokonwaba kuluhlu olubanzi lwamalungelo orhwebo kwaye kulapho la makhadi aphuhlisa khona iqhinga lawo. Ngaphandle kweenkonzo eziqhelekileyo ezinazo ezi mveliso zebhanki.