Kungenzeka yini ukuba uthole imali-mboleko isakhamuzi abangasebenzi?

Namuhla, kusukela ukunciphisa (okuyinto ngasizathu simbe, uvame ukubizwa ngokuthi nokwenza kahle abasebenzi), sonke sibhekana, futhi isisebenzi sikahulumeni noma umsebenzi. Ngisho noma uthola imali ekahle, kodwa hhayi kuqinisekiswa okuhambisanayo entry encwadini yomsebenzi, wena - isakhamuzi abangasebenzi. Kodwa kungase kube ukuthi we isisebenzi sikahulumeni kanye umsebenzi, nalabo abangasebenzi kukhona isidingo semali imali ukuthi ungakwazi ukuboleka kuphela ebhange. Futhi kusukela ngaleso sikhathi abantu baqala lokumba into efana libolekwe abangasebenzi.

Uyini nobunzima main? Into wukuthi omunye nenqubo main nokuhlola kungenzeka lokukhipha loan ukuhlola solvency iklayenti sika. Futhi uma ningakwazi kanjani imali yazo, imali ye loan kungenziwa ukhohliwe ibhange ngeke engozini.

Noma kunjalo, ungakwazi futhi bazishaye isifuba ngokuthi abangasebenzi. Kunezindlela eziningana zalokhu wayithola:

• ngaphandle nokunikeza reference ku engenile;

• usebenzisa izindlu Brokerage;

• Bheka zimali yangasese;

• ukuthatha ngesikweletu ibhizinisi.

Esimweni sokuqala, ukuboleka imali yokuthenga abangasebenzi ikhishwa ngaphakathi omunye izinhlelo abolekise express. Sabo esisemqoka kusimo - cannibalistic zenzalo. Ngakho umbolekisi uzama bazivikele ingozi non-sokukhokhwa kwesikweletu ngu ababoleka abangathembekile.

Esimeni sesibili kubalulekile ukusebenza inhlangano okuthiwa abanesifiso ukusiza abantu. Eqinisweni, inzuzo yalo - Ikhomishana ikhokhwe ukuze ujike. Njalo nje ukubolekisa ezihilela wabathengi kukhona at eziphezulu zenzalo. Ngaphezu kwalokho, kubalulekile futhi ingcebo noma imoto njengoba eseduze ukunikeza. Iseluleko sami kuwe: ungalilahli lokudlela.

Futhi, ukubolekisa abangasebenzi anganikeza futhi zimali yangasese. Kodwa lapha ngaphandle nokuvikeleka musa ncamashi ukuzwana. Kufanele uqaphele ukuthi imisebenzi bona babasekeli babo ezinjalo ngeke kulawulwa ubani. Imiphumela enjalo "umlingani" Ubuhlobo Kunzima ukuqagela. Nokho, lapho konke kuhamba kahle. Futhi uma hhayi?

Inketho yokugcina kusemthethweni ngokuphelele. Lapha loan abangasebenzi unika isimo. Lokho bonke wambeka Dole isakhamuzi uthola esilinganayo, kodwa kuphela uma ukuvikelwa ngempumelelo icebo labo ibhizinisi angena ngokugcwele yi-inqubo yokubhaliswa kwebhizinisi.

Kukhona eyodwa impendulo yombuzo othi, lapho ukuthola loan abangasebenzi. Sikhuluma aid emthethweni. Ngiqinisekile eziningi ziye zakubona isikhangiso, okushiwo ngalo wukuthi abanye abaxhumanisi athembisa usizo lwakhe kokuthola imalimboleko. Ngekugcizelela ikakhulukati ekuhlanganisweni yokuthi ezingeni imali kanye nomlando credit akunandaba.

Ingqikithi nokubambisana nabadayisa ezifana kanje. isakhamuzi Angiqashiwe ithola isitembu inkohliso encwadini umsebenzi futhi uya ebhange. Uma ukuhlola umphathi webhange umsebenzi izoshayela "ibhizinisi" lapho lo muntu obolekayo usebenza Kusolakala ukuthi umuntu ekhethekile (dummy) izoqinisekisa leli qiniso. Nokho, kufanele aqondwe ukuthi lezi zinhlelo ingce uma credit Iinhlangano zezimali usemncane, okungukuthi, ngomqondo wokuthi base ikhasimende liye kungagcini. Uma, njengoba besho, ubuhlungu fihla isikhwama akusebenzi ke umthwalo ewela abangasebenzi ukuba singaweli ebuthakathakeni. Abaxhumanisi, kusobala, asikwazanga ukuthola. Ngakho-ke, cabanga kayikhulu, kuwufanele ingozi?