11/02/2023

Uma kuziwa ekubolekeni imali, ukuthola umebolekisi onezinketho eziguquguqukayo zamanani kungenza umehluko omkhulu ohambweni lwakho lwezezimali.Laba babolekisi banikeza izinketho ezihlukahlukene uma kuziwa kumazinga enzalo, imigomo yemalimboleko, nezinketho zokukhokha, okuvumela ababoleki ukuthi balungise imalimboleko yabo ngokuvumelana nezidingo nezimo zabo ezihlukile.Kulo mhlahlandlela obanzi, sizohlola umqondo wababolekisi abanezinketho eziguquguqukayo zamanani, izinzuzo abakunikezayo, nokuthi ungathola kanjani okulingana nezidingo zakho zokuboleka.

Ukuqonda Izinketho Zentengo Ezivumelana Nezimo

Ababolekisi abanezinketho zentengo eziguquguqukayo bayaqonda ukuthi usayizi owodwa awulingani konke uma kuziwa emalimboleko.Banikeza ababoleki uhla lwezinketho zokwenza ngokwezifiso imigomo yabo yemalimboleko kanye namanani entengo ukuze ahambisane nezinhloso zabo zezezimali.Nazi ezinye zezinketho zentengo eziguquguqukayo ongahlangabezana nazo:

1. Izilinganiso Zenzuzo Eguquguqukayo

Ababolekisi abaguquguqukayo bavame ukuhlinzeka ngezinketho zesilinganiso senzalo esiguquguqukayo ngaphezu kwezilinganiso ezigxilile.Izilinganiso eziguquguqukayo zingaba yinzuzo kulabo abakholelwa ukuthi amanani enzalo emakethe angase ehle ngokuzayo.

2. Imigomo Yemali Ebolekwa ngokwezifiso

Ungakhetha emigomeni ehlukahlukene yemalimboleko, efana neminyaka eyi-15, 20, noma engama-30, okukuvumela ukuthi uqondanise ubude besikhathi semalimboleko nezidingo zakho ezithile kanye nesabelomali.

3. Izinkokhelo Zenzalo Kuphela

Abanye ababolekisi abavumelana nezimo banikeza inketho yokwenza izinkokhelo zenzalo kuphela isikhathi esithile, okungase kwehlise inkokhelo yakho yanyanga zonke.

4. Azikho Izinhlawulo Zokukhokha Ngaphambili

Ababolekisi abaningi abavumelana nezimo abafaki izinhlawulo zokukhokha kusengaphambili, okwenza ababoleki bakwazi ukukhokha imalimboleko yabo ngaphambi kwesikhathi ngaphandle kokufaka izinkokhelo ezengeziwe.

Izinzuzo zababolekisi abanezinketho zentengo eziguqukayo

Ukukhetha umbolekisi onezinketho zentengo eziguquguqukayo kunganikeza izinzuzo eziningi, okuhlanganisa:

1. Imalimboleko Ehlanganisiwe

Ungenza ngokwezifiso imali yakho ebolekiwe ukuze ihambisane nesimo sakho sezezimali kanye nemigomo, uqinisekise ukuthi ihambisana nezidingo zakho ezihlukile.

2. Ukuzivumelanisa nezimo

Laba babolekisi bangakwazi ukwamukela izinguquko ezimweni zakho zezezimali, benze izinguquko emalimboleko yakho lapho kudingeka.

3. Ukonga Izindleko

Ungase ube namathuba okonga imali ngokusebenzisa amanani enzalo aphansi noma wenze izinkokhelo ezengeziwe lapho kungenzeka ngokwezimali.

4. Ukuvikeleka Kwezezimali

Izinketho zentengo eziguquguqukayo zingakunikeza inethi yokuphepha, okukuvumela ukuthi ulungise imalimboleko yakho uma uhlangabezana nezinselele zezimali ezingalindelekile.

Ukuthola Umbolekisi Ofanele

Uma useshela umebolekisi onezinketho zentengo eziguquguqukayo, nazi ezinye izinyathelo okufanele uzicabangele:

1. Ucwaningo Ku-inthanethi

Qala ngokwenza ucwaningo lwe-inthanethi ukuze uhlonze ababolekisi abaziwa ngokunikeza imigomo eguquguqukayo namazinga okuncintisana.

2. Funda Izibuyekezo

Bheka izibuyekezo nobufakazi obuvela kubaboleki bangaphambilini ukuze ulinganise isithunzi somboleki nokwaneliseka kwekhasimende.

3. Xhumana Nababolekisi

Xhumana nababolekisi abangaba khona futhi ubuze mayelana nezinketho zabo zentengo eziguquguqukayo.Buza mayelana nezilinganiso eziguquguqukayo, ukwenza ngokwezifiso isikhathi semalimboleko, nezijeziso zokukhokha kusengaphambili.

4. Qhathanisa Okunikezwayo

Qoqa okunikezwayo kwemali mboleko kubabolekisi abaningi futhi uqhathanise imigomo, izilinganiso zenzalo, nokuvumelana nezimo abakunikezayo.

5. Funa Iseluleko Sochwepheshe

Cabangela ukubonisana nomeluleki wezezimali noma uchwepheshe wezezindlu ongakusiza uzulazule esimweni sokuboleka bese ukhetha umbolekisi ofanele wezidingo zakho.

Isiphetho

Ababolekisi abanezinketho zentengo eziguquguqukayo banikeza ababoleki inkululeko yokwenza imali mboleko yabo ihambisane nezimo nemigomo yabo yezezimali ehlukile.Uma ufuna umbolekisi ofanele, thatha isikhathi sakho ucwaninge, uqhathanise okunikezwayo, futhi ucabangele umthelela wesikhathi eside wemalimboleko yakho.Ukuvumelana nezimo okunikezwa yilaba babolekisi kungenza umehluko omkhulu enhlalakahleni yakho yezezimali nokuthula kwengqondo.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.