Kamuva: ukuthi kuyini nokuthi ungayisebenzisa kanjani ngempumelelo emsebenzini wabo

Ngokuvamile ngokuhamba yimuphi umsebenzi kwezomnotho, umbuzo ophakamayo, indlela yokukhokha umsebenzi wenziwa, noma amasevisi anikezwa kusukela ezimbili ethandwa: kusengaphambili futhi kamuva - kungcono? Zama ukuthola ukuthi kulesi sihloko nemigomo ezimbili.

Ukuqhathanisa lwezinhlobo ezahlukene zokukhokha

Umbuzo: "Iyini indlela engcono yokukhokha?" - impendulo yimuphi usomabhizinisi ngamunye ngokwabo. Futhi, ngamunye izinhlangano ibhizinisi ungakhetha ukubala elula kakhulu yena. Kungaba njengoba kusengaphambili nangemuva pay. Yini kungenzeka kutholakale incazelo yalo leli gama. Ukuze uthole Ukukuqonda kahle ukuthi eside kubalulekile ukucabangela ku isibonelo ezinye izindawo umsebenzi nezinhlelo ezihlukahlukene zomnotho.

kusengaphambili

Ngakho, liyini ukukhokhela ngaphambili? Lokhu kuyinto ezinye lemali okuyinto idluliselwe umdayisi lapho besanda kuqala njengoba ukukhokhelwa kusengaphambili for umsebenzi owawenziwa noma izimpahla esikhathini esizayo. A isici esihle kule ndlela yokukhokha ukuzethemba umdayisi ukuthi "akusho aphonse." Ngomuzwa ezinjalo kumnandi futhi wasebenza. Nokho, kukhona umuzwa wesibopho, futhi ngezinye izikhathi baqale ukuba casula amakhasimende ngemibuzo mayelana nesimo umsebenzi. Ikakhulukazi, lesi simo kungenzeka uma umthengi, ayikatholakali kuze kube kwakhiwa idumela emakethe yasekhaya. Usomabhizinisi abanolwazi, ikakhulukazi amiselwe abalingani sina ukuze umethembe.

Kukhona osayizi ezahlukene Idiphozi: 30%, 50% futhi ngezinye izikhathi-100% lemali ebekiwe. Inketho engcono ubhekwa ukukhokhela ngaphambili e inani kwesigamu Kubiza. Uma sigxila 100% Ukukhokha kusengaphambili, ungalahlekelwa labo abangase babe abathengi, ikakhulukazi esigabeni sokuqala wentuthuko yomsebenzi okhokhelwayo.

kamuva

Kuyini, futhi kanjani ukusebenzisa le ndlela yokukhokha ilungile? Ngokuvamile, izinkampani wayekwenza le ndlela yokukhokha ezinsukwini ezimbalwa (kwesinye isikhathi kuze kufinyelele 20) emva kokuthola izimpahla noma amasevisi. Okokuqala, ukuphumelela postpaid uhlelo lihlotshaniswa ukuncipha eziphawulekayo zabasebenzi, njengoba nomthengisi badinga kuphela ukubeka isethi eyodwa amadokhumenti, umthengi - isikhathi ukufeza nokuwela kwawo izinqubo zangaphakathi sokufeza ukukhokhelwa. Isimo eyanele ngokubambisana yimpumelelo kuyakhulunywa inkontileka post-pay. Okwesibili, le ndlela yokukhokha kungaba kakhulu ukunciphisa ingozi non-irisidi kwezimpahla noma amasevisi izinga oyifunayo. Futhi ekugcineni, okwesithathu, bezimali abaningi phikisana ifomu ezifana kamuva, ukuthi lena ithuluzi eliphumelelayo elikuvumela ukuba ahlele notshwala zezimali. Ngakho-ke, ukuze sisimame zezimali kuphela nokumadanisa ziyamaniswa nokungangeni imali izikweletu zezimali.

Ngakho, ezezimali izinga ukubaluleka nganoma yisiphi lebhizinisi likhulu kakhulu, futhi kamuva wabelwa indima kule nqubo. esifanayo nokwethenjelwa zezimali kanye ikhono lokuphatha yabo kwemali kulindeleke kusukela enye inhlangano ubudlelwane kwezomnotho - umphakeli.

iyala izimpahla

Ukusebenzisa nokuzuza, umthengi ngamunye ubhekene umbuzo yini ukukhetha imigomo lokukhokha. Ngamanye amazwi, uma ukukhokhela izimpahla: ngaphambi noma ngemva ekuwulungiseleleni. Abantu abaningi bacabanga ukuthi kuyoba kamuva kangcono, kufanele ziqinisekise kokuthola izimpahla esandleni. Nokho, ngokuvamile abantu izitolo (isibonelo, i-World Wide Web) ukusebenza kusengaphambili egcwele, elibangela umuzwa othile phezu ingxenye abathengi.

Kamuva ebhizinisini ukukhangisa

Ngeshwa, le ndlela isiphetho ingenye izizathu eziyinhloko intuthuko yamakhono yezokukhangisa. Lokhu kungenxa ukwehluleka ukwenza umyalelo ku-lokukhokha omusha ababulawa okusalungiswa odlule.

Kamuva ungakwazi zisenza sibe nenkinga enjalo wemakethe ukukhangisa, njengoba nokushoda kokusebenza. Yiqiniso, lapho ngezindlela ezibalulekile ukuze zilwe nabo yilezi: ukwehluleka ukukhokha irenti, inkokhelo alibale imizamo ukuhlehlisa ngamaholide noma ukuboleka imali ezivela kubangani. Nokho, kuzo zonke lezi zindlela kuyogcina kubangele kuvalwe ibhizinisi.

Ngakho-ke, njengoba 'kwangigcina "banganikeza ukusetshenziswa kahle, lapho zonke izinkinga ungavula ku izinzuzo.

Okokuqala, akudingeki loan mortgage nge ukuklanywa kahle. Njengoba imibhalo efakazela zingamanga noma izenzo ukwamukelwa, eqinisekisiwe ukuthi amaqembu. Ukuze izinto imibhalo efana babhekwa njengabantu eqinisekisa isibopho ikhasimende, nangaphansi iphepha ezifana uyokhipha imali.

Okwesibili, abaningi ukukhangisa ejensi eyodwa noma ezimbili amakhasimende ezinkulu. Factor ngeke kube nzima ukuhlola ikhono ukukhokha. Ngakho-ke, leli qiniso kakhulu kwandisa amathuba okuthi i-ejensi ukukhangisa ukuthola izimali ezidingekile.

Okwesithathu, ejensi ukukhangisa ngokushesha emva ukubulawa kwabo oda ungathola 90% ukudayiswa kwayo ngemali eyifanele. Imali esisele idluliswe sezigcwalisekile njengesici esibangela i umangalela ikhasimende ngokugcwele lemali futhi uphethe ikhomishana.

Kufinyeta le nto sihloko, kufanele siphawule ukuthi ukusetshenziswa njengoba i-ukukhokhelwa nangemuva yokukhokha ungumuntu kuphela kubahlanganyeli ubudlelwane kwezomnotho.