Isilinganiso senyanga

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Noma ubani owamukela isikweletu uyakwazi ukuyibuyisela futhi abuyise ngezindlela ezihlukahlukene. Enye yalezi zindlela ukuhlukaniswa kube yizinkokhelo eziningana, ngakho-ke ukukhokha okuyingxenye njalo kubizwa ngokuthi izinga. Izindleko ezinjalo ngokuvamile zikhokhwa nyangazonke futhi ngakho-ke zibhekwa njengezinga lenyanga isilinganiso sanyanga zonke okubhekiselwe.
Kwezinye izimo, noma kunjalo, izitolimende zingakhokhwa njalo ngonyaka noma ngonyaka.

Ukubalwa kwesilinganiso senyanga

Inani lemali yesondlo nyangazonke lixhomeke emalini yemalimboleko kanye nenani elifunayo lezitolimende noma igama elifunayo lemali mboleko. Ukuze kunqunywe izinga lokukhokha ngenyanga, inani lemalimboleko lizohanjelwa esilinganisweni esiphezulu sesitatimende. Lokhu kusho ukuthi amazinga amaningi avumelanisiwe, ukwehlisa izinga lanyanga zonke. Kule rate yanyanga zonke kanye nokukhokhwa ngokujwayelekile, khona-ke inzalo eyengeziwe izokhokhiswa, futhi nayo incike ekuvuthweni. Uma imali esenayo isetshenziswa isikhathi eside, imali ephakeme yenzalo iyoba yikhulu, okusho ukuthi inzalo yenzalo ikhuphuka ngokukhula futhi inani lemali ekhokhayo likhuphuka.

Ukuklama kweNtela Yenyanga

Kodwa-ke, njengababolekisi nababolekayo bangenza izivumelwano zemali mboleko nokuboleka imali ngokukhululekile, inani lezinyanga zonke lingashintsha kakhulu. Isibonelo, abanye ababolekisi balinganisa ukukhokhwa kwisitatimende sanyanga zonke, kanti inzalo ingakhokhwa ngesamba esisodwa ekupheleni kwethemu. Abanye ababolekisi bakwenza ngenye indlela nxazonke futhi bangakhokha inzalo njalo ngenyanga kanye nenani eligcwele lemalimboleko ekupheleni kwekota ngesamba esisodwa.
Mayelana nezindleko zaminyaka yonke, izitolimende zonyaka, izinkokhelo ezikhethekile noma ukuxuba wonke amathuba kuningi okunokwenzeka.

Imali ngemali ehleliwe noma ewa njalo ngenyanga

Kungenzeka nokuthi inani lezinyanga zonke liba likhulu ekuqalisweni kwemali mboleko futhi liba ngcono nakakhulu ekupheleni kwethemu, noma ngisho nemalimboleko lapho inkokhelo yanyanga zonke inesilinganiso esifanayo kulo lonke isikweletu. Lokhu kuncike efomini lekhontrakthi elifanele, nomklomelo ukuba abe ngu annuity noma ukukhokhelwa kwemali mboleko. Lokhu kwenza ukuthi inkontileka ibe yenziwe ngokwezifiso kumakhasimende kanye nezidingo zabo. Noma kunjalo, ibhizinisi lokuboleka manje selilinganiselwe, ngakho-ke imikhiqizo engaguquki yefomu lesikweletu inikezwa. Inkokhelo kumele yenziwe ngendlela ehleliwe neyinkimbinkimbi, kuphela inani lezinyanga zonke, isikhathi sokuthenga kanye nenani elizokhokhwa liyashintsha kule mikhiqizo.

Izinkokhelo ezikhethekile noma izivumelwano eziphambuka kule fomu zivame ukuhlinzekwa kuphela ngezinjongo zokuhweba noma ngokubolekwa kwemali, njengoba lokhu kuphakeme Inani eseduze okuyinto evumela umzamo onjalo ephakeme ehambisanayo.

Inani lentela yenyanga

Kodwa-ke, wonke amakhasimende kufanele agcine inani lezinyanga zonke eliphakeme ukuze livumele. Lokhu kusho ukuthi kufanele kuhlelwe njengokungathi kungenakwenzeka ukuze izenzakalo ezingabonakali ezifana nezifo, ukunciphisa imiholo noma ukulahlekelwa umsebenzi okwesikhashana ngeke kuholele esilinganisweni senyanga esinikezwayo. Ukuqhathaniswa kwekhredithi kanye nezibalo zokuthenga ngesikweletu kuhlinzeka ngemininingwane yokuthi yiliphi inani lenyanga okufanele ulindelwe nini nokuthi yini okumele kube khona ukuvezwa kwenyanga njalo. Ikakhulukazi ekuxhasweni kwemali, ungase ukwazi ukuqondiswa yi-rent yenyanga kanye nezinqolobane ongayenza ngenxa yalo mthwalo.

Izixhumanisi ezihlobene:

Isilinganiselwa: 5.0/ 5. Kusuka ku-1 ivoti.
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