Ama-Akhawunti ekhokhwayo futhi yayo imithetho bhala-off

Eyokuqala ukuchaza ngokucacile ukuthi yini akhawunti ekhokhwayo. Ngaphansi lo mqondo kusho izikweletu ingqikithi inhlangano kwezomnotho bonke abantu abakweletwayo ngalesi simo. Okungukuthi kwalezo zimali ukuze zibuyiselwe ngokugcwele ngemva kwenkathi isethi yesikhathi.

I-akhawunti ezivamile ekhokhwa osonkontileka, njengoba umthetho, abanikezeli izinto futhi izinto zokusetshenziswa, kanye abathengi imikhiqizo siphelile. Njalo kukhona izibopho abasebenzi umsebenzi wenziwa.

Kodwa ngaso sonke isikhathi, inhlangano can ukukhokha izikweletu; Kulokhu-akhawunti atholakalayo ekhokhwa kakhulu kuthinta wokusebenza kwezimali. Lokhu ikakhulukazi njengoba kubonakala kula ezingeni of impahla ibe yimali futhi solvency lenkampani, yiso kanye lezi zindlela, abatshalizimali ukwahlulela sekufanele awushiye yokutshala izimali. Ngaphezu kwalokho, uma kukhona ikhokhwa balance sheet, okuyinto engakaze abuyiselwe ku sikhathi, counterparty unelungelo banxuse enkantolo. Kulokhu, lo muntu obolekayo kuyodingeka bakhokhe hhayi kuphela isikweleti ngokugcwele, kodwa izibonelelo futhi enikeziwe ngesimo inhlawulo, isijeziso noma umonakalo kwavala.

Kuyaqondakala ukuthi inkathi ende izikweletu ezivelele abahlinzeki kanye nabanye abantu kungaholela emiphumeleni engathí sina ezifana ezikweletini, ie Ukungakwazi nhlobo ibhizinisi ukuze bafeze imisebenzi yayo esikhathini esizayo. Kunezindlela ezimbili kuya alulame izikweletu: the zokwahlulela futhi okuthiwa Izimangalo, noma extrajudicial. Eyokuqala ihilela supply icala, futhi amathemba okuthi uphenyo, futhi ngokuvumelana ehlangothini lwesibili ngokuzimela unquma kanjani futhi kulokho Isamba phindisela okumele zikhokhelwe.

Ngo ezimali, kuvame kuba isimo lapho kukhona inani izikweletu ukuthi ngeke ibuyiselwe yomuntu obolekisayo. Lokhu izikweletu kumele ukwesulwa futhi ilungelo ukubonisa balance. Ngakho, kungenzeka ukuthi izikweletu yokukhansela esibonise kuphela ekupheleni kwesikhathi esiyizinsuku ezinga komkhawulo. Njengomthetho, isethiwe ngokugunyazwa zokwahlulela ngokuvamile iminyaka emithathu, inqobo nje uma lo muntu obolekayo kwakudingeka bafeze isibopho ngokugcwele. Ngokuvamile, inkontileka phakathi umbolekisi futhi lo muntu obolekayo ebonisa yokugcina ukuvuthwa usuku ke kwesikhathi komkhawulo iqala ngophawu kusukela ngosuku olulandela lolo suku. Ngaphambili, kuphungulwa kwetikweleti kungenzeka kuphela uma ucabanga nokuqedwa kwenhlangano.

Uma inhlangano has izinkinga zezimali yesikhashana, kumele azise yomuntu obolekisayo. Ngesisekelo ulwazi olutholakalayo kokuba okumele zikhokhelwe kabusha, okungukuthi ukuthola ebucayini kanye kudalwa izimo ezikahle kakhulu ukusebenza ekuqaleni kuka izibopho. Ngakho, umbolekisi kungaba ukunweba enkokhelweni loan noma ukudala isimiso entsha yokukhokha olulinganiselwe isikweletu suku lokukhokhela isitolimende sokugcina. Abanye bafaka phambili izindlela ngesimo kuncishiswe inani izikweletu ikhumbula senkokhelo ekuseni noma esikhundleni nezinye izikweletu ukuthi senziwa refinancing. Lokhu kwenziwa ukuze kuncishiswe ingozi okuzenzakalelayo futhi ukuqinisekisa ukuthola okungenani ingxenye yenkokhelo.

Kufanele futhi ukugqamisa izindlela zokwakha kabusha ezifana credit, emisha, futhi mortgage. Setha-off izimangalo mutual Kwenziwa kuphela uma amaqembu bakhawulelwa imvelo eyohlobo ezibophweni mutual futhi ngokuvamile imali. Uma inani izikweletu inkampani ingaphansi nezinye ke udumo ikhishwa ngenani elincane. Lapho ekhokhwa liyakushunyayelwa eqokelelwe ngezindlela novation, amaqembu anqume ku isibopho sezomthetho esikhundleni enye komsebenzi okulingana. Uma okunye izikweletu ukubuya ngumbuzo omkhulu ke ungasebenzisa ekwindla-emuva. Ngaphansi le ndlela kusho ukukhokhwa izikweletu ngesimo namanye amafa, kwempahla noma imali. Obolekayo ongakhokhela impahla kuphela uma kungenziwanga kokunikeza loan, futhi uma enye inhlangano ekunike imvume yayo, ukuthi unesithakazelo le ndlela yokukhokha yesikweletu.