Indlela Izitolimende Ezingenanzalo Ezisebenza Ngayo.

Emhlabeni Ngokwezimali, "Izinyanga Ezingenayo Inzalo" seziphenduke igama elivamile nelikhangayo kubathengi emhlabeni jikelele. Leli su elisha lokukhokha isitolimende seliguqule indlela abasebenzisi abathenga ngayo izimpahla namasevisi, okubavumela ukuthi basakaze izindleko zokuthenga kwabo esikhathini esinikeziwe ngaphandle kokufaka izinkokhiso zenzalo ezengeziwe. Kodwa lusebenza kanjani ngempela lolu hlelo? Kulesi sihloko, sizohlola ngokucophelela ukuthi "Izinyanga Ezingenayo Inzalo" zisebenza kanjani, siveze izindlela ezenza le nketho yokuxhasa ngezimali ibe nokwenzeka futhi sihlaziye umthelela wayo kubathengi nakumabhizinisi. Kusukela kumsuka wayo kuya ekusebenzeni kwayo okungokoqobo, sizothola imininingwane ebalulekile yale ndlela yokukhokha edumile, sinikeze umbono wezobuchwepheshe nokungathathi hlangothi kokuthi isebenza kanjani.

1. Ziyini “Izinyanga Ezingenayo Inzalo” futhi zisebenza kanjani?

Meses Sin Intereses wuhlelo lwezezimali oluvumela abathengi ukuthi bathenge imikhiqizo noma amasevisi ngezitolimende ngaphandle kokukhokha inzalo eyengeziwe. Le ndlela yokukhokha idume kakhulu emazweni amaningana futhi isibe inketho ekhangayo kulabo abafuna thenga enenani elikhulu ngaphandle kokuthinta izimali zakho. Ukusebenza kwalolu hlelo kulula futhi kusekelwe ezivumelwaneni phakathi kwezitolo noma izikhungo kanye nezinhlangano zamabhange.

Ukuze ufinyelele inketho ethi "Izinyanga Ezingenayo Inzalo", abathengi kufanele babe nekhadi lesikweletu elinikeza le ndlela yokukhokha. Uma ikhadi selamukelwe ukusungulwa, ukuthenga kungenziwa ngokuhlukanisa inani eliphelele kuzinkokhelo zanyanga zonke ezimisiwe. Inani lezinyanga ezitholakalayo zokukhokha ngaphandle kwenzalo lizoncika emigomeni nemibandela yesivumelwano, futhi lingahluka phakathi kwezinyanga ezi-3 nezingu-24.

Kubalulekile ukukhumbula ukuthi ngisho noma ingekho inzalo eyengeziwe ekhiqizwayo phakathi nenkathi “yezinyanga Ezingenayo Inzalo”, kubalulekile ukwenza izinkokhelo zanyanga zonke ngesikhathi ukuze ugweme izindleko zokukhokha sekwephuzile. Ukwengeza, ezinye izikhungo zingadinga inani elincane lokuthenga ukuze ulifinyelele lolu hlelo. Ngaphambi kokuthatha isinqumo sokusebenzisa le nketho, kuhle ukuthi ufunde ngokucophelela imigomo nemibandela, futhi uhlole umthamo wakho wokukhokha wesikhathi eside.

2. Usebenza kanjani umqondo othi "Izinyanga Ezingenayo Inzalo".

Umqondo wokuthi "Izinyanga Ezingenayo Inzalo" indlela yokuxhasa ngemali evumela amakhasimende ukuthi athenge ngezitolimende ngaphandle kokukhokha izithakazelo ezengeziwe. Lolu hlelo lusetshenziswa kabanzi emkhakheni wezokudayisa, ikakhulukazi ezitolo ezinkulu naku-inthanethi. Okulandelayo, sizochaza ukuthi lo mqondo usebenza kanjani nokuthi ungawusebenzisa kanjani ngokugcwele.

Okokuqala nje, kubalulekile ukuqaphela ukuthi "Izinyanga Ezingenayo Inzalo" zingaphansi kwemibandela ethile nemigomo esungulwe umkhiphi wekhadi lesikweletu noma isitolo lapho uthenga khona. Ngokuvamile, lolu xhaso lwezimali lusebenza ekuthengeni okwenziwa ngamakhadi esikweletu abambe iqhaza nasemikhiqizweni ekhethiwe. Udinga ukubheka isikhungo sakho sezezimali noma isitolo ngezimo ezithile.

Ukuze usebenzise “Izinyanga Ezingenayo Inzalo”, kufanele uqale uqinisekise ukuthi unekhadi lesikweletu elinikeza le nzuzo. Uma usuyitholile imikhiqizo ofuna ukuyithenga, hlola ukuthi iyasifaka yini isicelo salolu hlobo lwezimali. Phakathi nenqubo yokukhokha, khetha inketho ethi “Izinyanga Ezingenayo Inzalo” bese ukhetha igama elikufanelekela kangcono. Khumbula ukuthi inani lezinyanga ezingenanzalo lingahluka kuye ngomkhiqizo kanye esitolo.

3. Izidingo zokufinyelela “Izinyanga Ezingenayo Inzalo”

Ukuze ufinyelele inketho ethi "Izinyanga Ezingenayo Inzalo", kuyadingeka ukuhlangabezana nezimfuneko ezithile ezizokuvumela ukuthi usebenzise le ndlela yokukhokha ehlehlisiwe. Lezi zidingo yilezi ezilandelayo:

1. Ikhadi lesikweletu: Kubalulekile ukuba nekhadi lesikweletu elisebenzayo nelisebenzayo ukuze ufinyelele inketho ethi "Izinyanga Ezingenayo Inzalo". Leli khadi kufanele likhishwe isikhungo sezezimali esaziwayo futhi kufanele libe nomkhawulo wesikweletu ofanelekile wokuthenga ofisa ukukukwenza.

2. Isikhungo esibambe iqhaza: Akuzona zonke izikhungo ezamukela indlela "Yezinyanga Ezingenayo Inzalo", ngakho-ke kubalulekile ukuqinisekisa ukuthi indawo ofuna ukuthenga kuyo ingaphakathi kohlu lwezikhungo ezibamba iqhaza. Ngokuvamile lolu lwazi lutholakala kuwebhusayithi yokusungulwa noma ungabonisana nalo ngqo esitolo.

3. Inani elincane lokuthenga: Ezinye izikhungo zisungula inani elincane lokuthenga ukuze likwazi ukufinyelela inketho ethi "Izinyanga Ezingenayo Inzalo". Qiniseka ukuthi isamba sokuthenga kwakho sihlangabezana nale mfuneko ukuze ukwazi ukufinyelela le ndlela yokukhokha. Ungahlola inani elincane kuwebhusayithi yokusungulwa noma ubuze abasebenzi besitolo.

4. Ukubaluleka kokukhetha ikhadi elifanele "Izinyanga Ezingenayo Inzalo"

Ukuze usebenzise ngokugcwele “Izinyanga Ezingenayo Inzalo” lapho uthenga ikhadi lesikweletu, kubalulekile ukukhetha ikhadi elilungile. Lokhu kukhetha kungenza umehluko phakathi kwenkokhelo yesitolimende ngaphandle kwezindleko ezengeziwe kanye nenkokhelo enenani lenzalo elikhulu. Nazi ezinye izinto ezibalulekile zokukusiza wenze isinqumo esifanele:

1. Hlola izinketho ezitholakalayo: Ngaphambi kokufaka isicelo sekhadi lesikweletu, kubalulekile ukuphenya izinketho ezihlukene ezinikeza “Izinyanga Ezingenayo Inzalo.” Qhathanisa izikhungo zezezimali futhi ubuyekeze amaphromoshini amanje. Hlola ukuthi ayasebenza yini kubo bonke abathengisi noma kulabo abahlotshaniswa nekhadi okukhulunywa ngalo kuphela.
2. Linganisa imigomo nemibandela: Ikhadi ngalinye lesikweletu lingase libe nemigomo ehlukene yokuthi "Izinyanga Ezingenayo Inzalo." Hlola ukuthi ziyazifanela yini izidingo zakho namandla okukhokha. Futhi, funda ngokucophelela izimo ezihlotshaniswayo, njengenani elincane lokuthenga elidingekayo noma izinga lenzalo elisebenzayo uma kwenzeka iphutha. Lezi zimo zingahluka ekhadini nekhadi, ngakho qiniseka ukuthi uziqonda ngokugcwele.
3. Bheka izinzuzo ezengeziwe: Ngaphezu kokuthi “Izinyanga Ezingenayo Inzalo,” amanye amakhadi esikweletu anikeza izinzuzo ezengeziwe, njengezinhlelo zemiklomelo, umshwalense wokuhamba, noma ukufinyelela ezindaweni zokuphumula zezindiza. Cabangela lezi zinzuzo futhi ubone ukuthi ziyahambisana yini nezidingo zakho nokuncamelayo.

Ngamafuphi, ukukhetha ikhadi elifanele ukuze usebenzise “Izinyanga Ezingenayo Inzalo” kuhilela ukucwaninga izinketho, ukuhlola imigomo nemibandela, nokubuyekeza izinzuzo ezengeziwe. Ngaso sonke isikhathi khumbula ukufunda imigomo nemibandela yekhadi ngalinye ngaphambi kokufaka isicelo, ukuze ugweme izinto ezingalindelekile ezingajabulisi futhi uqinisekise ukuthi wenza isinqumo esifanele ngesimo sakho sezezimali.

5. Lisebenza kanjani izinga lenzalo “Ezinyangeni Ezingenayo Inzalo”

Izinga lenzalo “Ezinyangeni Ezingenayo Inzalo” liyindlela yokuxhasa ngemali evumela amakhasimende ukuthi athenge umkhiqizo noma isevisi futhi awukhokhe ngezitolimende zanyanga zonke ngaphandle kokukhiqiza inzalo isikhathi esinqunyiwe kusengaphambili. Le nketho itholakala kabanzi kumakhadi esikweletu nezitolo ezinkulu, futhi ikhanga kulabo abafuna ukuthenga izinto ezinkulu ngaphandle kokuba nomthelela ngokushesha ekungeneni kwemali kwabo.

Indlela leli zinga lenzalo elisebenza ngayo ilula. Okokuqala, ikhasimende likhetha umkhiqizo noma isevisi elifisa ukuyithenga futhi lihlole ukuthi iyatholakala yini ngenketho ethi "Izinyanga Ezingenayo Inzalo". Uma lokhu sekuqinisekisiwe, ikhasimende lenza inkokhelo yokuqala, ngokuvamile ehambisana nephesenti yenani lokuthenga eliphelele.

• Inani elisele libe selihlukaniswa libe yizinkokhelo zenyanga ezilinganayo esikhathini esishiwo, isibonelo, izinyanga eziyisi-6 noma izinyanga eziyi-12.
• Kubalulekile ukuqaphela ukuthi phakathi nalesi sikhathi, azikho izinkokhiso zenzalo ezisetshenziswa emalini esele.

Kubalulekile ukuthi amakhasimende ahlale ekhona nezinkokhelo ukuze agweme izindleko ezengeziwe. Ukwehluleka ukuhlangabezana nesitolimende kungase kubangele inzalo kanye nezimali ezikhokhiswa sekwephuzile. Kutuswa ukuthi ubheke imigomo nemibandela ethile yekhadi lesikweletu ngalinye noma isikhungo ukuze uqonde ngokugcwele futhi ugweme izinto ezingalindelekile ezingajabulisi.

6. Inqubo yokukhokha “Ezinyangeni Ezingenayo Inzalo”

Ilula kakhulu futhi ilungele amaklayenti ethu. Okulandelayo, siyachaza Igxathu emvakwe gxathu Ungayisebenzisa kanjani le ndlela yokukhokha:

1. Khetha imikhiqizo noma amasevisi ofuna ukuwathenga futhi uwangeze ekalishini yakho yokuthenga. Qinisekisa ukuthi imikhiqizo noma amasevisi afaneleka "Izinyanga Ezingenayo Inzalo".

2. Uma usuqedile ukukhetha kwakho, qhubekela enqubweni yokukhokha. Phakathi nenqubo yokukhokha, uzothola inketho ethi "Izinyanga Ezingenayo Inzalo". Khetha le nketho ukuze uqhubeke nokukhokha ngezitolimende.

3. Okulandelayo, uzoboniswa uhlu lwemigomo etholakalayo ukuze uyikhokhe ngaphandle kwenzalo. Khetha ithemu elikufanele kakhulu futhi uqinisekise ukukhetha kwakho. Khumbula ukuthi kufanele ufunde futhi wamukele imigomo nemibandela ngaphambi kokuqhubeka nenqubo.

7. Izinzuzo nemikhawulo yokusebenzisa “Izinyanga Ezingenayo Inzalo”

Izinzuzo:

1. Ukukhokha kalula: Ukusebenzisa inketho ethi “Izinyanga Ezingenayo Inzalo” kunganikeza abathengi ithuba lokuthenga izimpahla ezibiza kakhulu noma amasevisi futhi bazikhokhele ngemibandela enethezekile nelawulekayo. Lokhu kungaba usizo ikakhulukazi ezimweni lapho kudingeka ukuthengwa okukhulu kodwa izinsiza ezilinganiselwe zitholakala ngaleso sikhathi.

2. Ukonga Inzalo: Ngokukhetha “Izinyanga Ezingenayo Inzalo”, umthengi ukhululiwe ekukhokheleni inzalo ekuthengeni okwenzile, okusho ukonga okukhulu uma kuqhathaniswa nezinye izinketho zezimali, njengamakhredithi asebhange noma izikweletu .

3. Ukuvumelana nezimo zokukhokha: Kuye ngesikhungo sezimali noma isitolo lapho kuthengwa khona, kungenzeka ukukhetha inani lezinyanga ofisa ukukhokha ngazo isikweletu. Lokhu kungavumela izindleko zokuthenga ukuthi zisatshalaliswe esikhathini eside, kulungiswe kumathuba omnotho womthengi.

Ukulinganiselwa:

1. Imikhawulo emikhiqizweni noma kumasevisi: Akukona konke ukuthengwa okufanele uhlelo “lwezinyanga ezingenanzalo”. Ezinye izitolo noma abahlinzeki bangakhawulela le nketho emikhiqizweni ethile noma amasevisi athile. Kubalulekile ukuqinisekisa ukuthi ukuthenga ofisa ukukwenza kuyahlangabezana yini nezimfuneko ukuze ukwazi ukufinyelela le nzuzo.

2. Izindleko eziphelele eziphelele: Nakuba "Izinyanga Ezingenayo Inzalo" zingase zibe lula esikhathini esifushane, kubalulekile ukucabangela ukuthi izindleko eziphelele zokuthenga zinganyuka ngenxa yezinye izindleko ezihambisanayo. Uma wenza izinkokhelo zanyanga zonke esikhathini eside, kungase kwenziwe amakhomishini engeziwe akhuphula inani lokugcina lomkhiqizo noma isevisi.

3. Umthelela ongaba khona emlandweni wesikweletu: Nakuba inzalo ingasetshenziswa, ukusebenzisa “Izinyanga Ezingenayo Inzalo” kungaba nomthelela emlandweni wesikweletu womthengi. Lokhu kungenxa yokuthi kutholwa isikweletu okufanele sikhokhwe ezinyangeni ezimbalwa, okungase kuphazamise ikhono lokuthola enye imali esikhathini esizayo uma singaphathwa ngendlela efanele.

Kafushane, ukusebenzisa "Izinyanga Ezingenayo Inzalo" kunganikeza izinzuzo ezifana nokukhokha kalula, ukonga inzalo, kanye nezimo zokukhokha. Kodwa-ke, futhi inemikhawulo efana nemikhawulo emikhiqizweni noma ezinsizeni, izindleko eziphelele kanye nemiphumela engaba khona emlandweni wesikweletu. Kubalulekile ukuhlola ngokucophelela isimo ngasinye futhi ucabangele zonke izici ngaphambi kokukhetha le nketho yokuxhasa ngezimali.

8. Ungalisebenzisa kanjani ngokugcwele uhlelo “lwezinyanga Ezingenayo Inzalo”

Ukuze uthole okuningi kuhlelo "lwezinyanga ezingenanzalo", kubalulekile ukulandela izincomo ezithile ezibalulekile. Okokuqala nje, kuyadingeka ukuthi kubuyekezwe imigomo nemibandela yesikhungo ngasinye lapho le nketho yezimali inikezwa khona. Qiniseka ukuthi uyaziqonda izinsuku zokugcina, izinkokhelo, nezimfuneko zokubamba iqhaza kuhlelo. Abanye abathengisi bangase badinge inani elincane lokuthenga, kanti abanye bangadinga amakhadi athile esikweletu.

Ukwengeza, kubalulekile ukugcina ukulawulwa okuningiliziwe kwezinkokhelo ezenziwa kusitolimende ngasinye, ukugwema izindleko ezengeziwe zokukhokha sekwephuzile noma ukungathobeli imigomo nemibandela. Ungasebenzisa amathuluzi afana nespredishithi noma uhlelo lokusebenza lweselula ukuze ulandelele ngokunembile izinkokhelo zakho. Kuyanconywa futhi setha izikhumbuzi ekhalendeni lakho noma sebenzisa ama-alamu efonini yakho ukuze uqiniseke ukuthi awukhohlwa izinsuku zokukhokha.

Elinye isu elisebenzayo ukwenza ibhajethi nokuhlela ukuthenga kwakho ukuze uzuze ngokugcwele ohlelweni. Ngaphambi kokuthenga ezinyangeni ezingenasithakazelo, hlola ukuthi uwudinga ngempela yini umkhiqizo noma ungalinda ukuze uwuthenge kamuva. Uma unquma ukusebenzisa le nketho yokuxhasa ngezimali, qiniseka ukuthi aweqi amandla akho okukhokha nyanga zonke futhi ucabange ukuthi ungakwazi yini ukukhokha kusengaphambili ukuze ukhokhe ibhalansi kusenesikhathi. Khumbula ukuthi umgomo uwukusebenzisa izinzuzo ngaphandle kokuzifaka ezikweletini ezingadingekile.

9. Umehluko phakathi kokuthi "Izinyanga Ezingenayo Inzalo" nezinye izinketho zezimali

1. Amanani enzalo: Okukodwa kwe umehluko omkhulu phakathi kokuthi "Izinyanga Ezingenayo Inzalo" nezinye izinketho zezimali yizilinganiso zenzalo ezisebenzayo. Nakuba izinketho zezimali zendabuko zikhokhisa inzalo ebhalansi ekweletwayo, “Ezinyangeni Ezingenayo Inzalo” ayikho inzalo esetshenziswayo inqobo nje uma izinkokhelo ezihambisanayo zenziwa njalo ngenyanga. Lokhu kungaba lula kakhulu kubathengi abafuna ukuthenga imikhiqizo noma amasevisi ngaphandle kokuthola inzalo eyengeziwe.

2. Imigomo yezezimali: Omunye umehluko obalulekile usendabeni yezimali. Ngezinketho zendabuko zezimali, la magama ngokuvamile aba mafushane, ngokuvamile izinyanga eziyi-12 kuya kwezingu-48. Ngakolunye uhlangothi, "Izinyanga Ezingenayo Inzalo" zinikeza imigomo emide, kusukela ezinyangeni eziyisi-6 kuye kwezingu-24, kuye ngebhizinisi kanye nenani lokuthenga. Lokhu kunikeza ukuguquguquka kubathengi ngokusabalalisa inkokhelo yokuthenga kwabo isikhathi eside.

3. Izidingo kanye nokugunyazwa: Ngokungafani nezinketho zendabuko zezimali, "Izinyanga Ezingenayo Inzalo" ngokuvamile zithengeka kakhulu futhi azidingi ukugunyazwa kwesikweletu. Abathengi badinga kuphela ukuhlangabezana nezimfuneko ezithile eziyisisekelo, njengokuba nekhadi lesikweletu kanye nokuba nomlando wesikweletu owamukelekayo. Lokhu kusiza inqubo yokuthola izimpahla noma amasevisi kulabo abangafisi noma abangakwazi ukungena ohlelweni lokuhlola izikweletu.

10. Ungakugwema kanjani ukungena esikweletini usebenzisa “Izinyanga Ezingenayo Inzalo”

Ukugwema ukuwela esikweletini kungaba inselele, kodwa ngokusebenzisa isu elithi “Izinyanga Ezingenayo Inzalo” singanciphisa ubungozi bezezimali. Nawa amathiphu ongakwenza:

1. Hlola isabelomali sakho: Ngaphambi kokuthenga izinyanga ngaphandle kwenzalo, kubalulekile ukuhlaziya umthamo wakho wokukhokha. Qiniseka ukuthi unezinsiza ezidingekayo zokukhokhela izinkokhelo zanyanga zonke ngaphandle kokuthikameze izimali zakho. Bala umthamo wezikweletu zakho bese ubeka umkhawulo wezindleko zakho.

2. Qhathanisa izinketho: Ngaphambi kokukhetha inketho yokukhokha yanyanga zonke engenanzalo, cwaninga futhi uqhathanise izikhungo ezihlukene namakhadi esikweletu. Buyekeza izici ezifana nezinga lenzalo lonyaka, inani elincane lokuthenga, nemibandela yokukhokha. Thola inketho evumelana kangcono nezidingo zakho zezezimali.

3. Setha uhlelo lokukhokha:Ngisho noma ingekho inzalo, khumbula ukuthi kufanele ukhokhe nyanga zonke. Hlela futhi usungule uhlelo lokukhokha olukuvumela ukuthi ukhokhe isikweletu ngesikhathi esimisiwe. Kubalulekile ukuthi ungakwenzi ukuthenga nyanga zonke ngaphandle kwenzalo uma ungenaso isiqiniseko sokuthi ungakwazi yini ukuhlangabezana nezinkokhelo zanyanga zonke.

11. Ungabala kanjani inani eliphelele okufanele ulikhokhe “Ngezinyanga Ezingenayo Inzalo”

12. Izikhathi ezikahle zokusebenzisa “Izinyanga Ezingenayo Inzalo”

Izinyanga ezingenanzalo ziyinketho enhle kakhulu ukuthenga enenani elikhulu ngaphandle kokuphazamisa isabelomali sethu sanyanga zonke. Kodwa-ke, kubalulekile ukwazi ukuthi ungakhetha kanjani izikhathi ezifanele zokusebenzisa le ndlela ehlukile yezezimali. Nazi ezinye izimo lapho ukusizakala kwezinyanga ezingenantshisekelo kungaba yinzuzo ngokukhethekile:

1. Thola izimpahla ezihlala isikhathi eside: Uma uhlela ukuthenga into ebizayo, ifenisha noma amathuluzi, izinyanga ezingenanzalo zingaba inketho enhle kakhulu. Ngale ndlela, ungakwazi ukusabalalisa inkokhelo ezinyangeni ezimbalwa ngaphandle kokukhokha inzalo eyengeziwe. Kubalulekile ukuhlola ikhwalithi nokuqina komkhiqizo ngaphambi kokwenza isinqumo, uqinisekise ukuthi kuwufanele ukutshalwa kwezimali esikhathini eside.

2. Thatha uhambo namaholidi: Izinyanga ezingenayo inzalo nazo zingasetshenziselwa ukukhokhela uhambo lwakho lokuhamba noma amaholide. Izinkampani eziningi zezokuvakasha noma izindiza zinikeza amaphromoshini ngezinkokhelo zanyanga zonke ngaphandle kwenzalo, okukuvumela ukuba ujabulele iholide lakho ngaphandle kokukhokha yonke into ngesikhathi esisodwa. Khumbula ukuhlela uhambo lwakho kusenesikhathi futhi uqhathanise izinketho ezahlukene ukuze uqinisekise ukuthi uthola idili elingcono kakhulu.

3. Ukuthenga izipho noma ukwenza izindleko ezingavamile: Ngezinye izikhathi, zikhona imicimbi ekhethekile njengezinsuku zokuzalwa, izikhumbuzo noma imishado, edinga izindleko ezengeziwe. Ukusebenzisa izinyanga ezingenanzalo kungaba inketho enhle, njengoba kukuvumela ukuthi wenze lezi zimali ezikhokhwayo ngaphandle kokuthinta izimali zakho zanyanga zonke. Qiniseka ukuthi isipho noma izindleko ezengeziwe ziyadingeka ngempela futhi zikufanele ngaphambi kokukhetha lokhu okuhlukile.

Khumbula ukuthi, nakuba izinyanga ezingenanzalo zingaba inketho enhle kakhulu yokusabalalisa izinkokhelo zakho futhi uthenge inani elikhulu, kubalulekile ukulisebenzisa ngokunenzuzo leli thuluzi lezezimali. Njalo hlola izimo nemikhawulo enikezwa izitolo noma izikhungo zezezimali ngaphambi kokwenza noma yisiphi isinqumo. Thatha ithuba lezinyanga ezingenanzalo futhi uphathe imali yakho ngobuchule!

13. Ukugunyazwa kwekhredithi kusebenza kanjani “Ezinyangeni Ezingenayo Inzalo”

Ukugunyazwa kwekhredithi “Ezinyangeni Ezingenayo Inzalo” Kuyinqubo elula futhi esheshayo ekuvumela ukuthi ukwazi ukukhokhela ukuthenga kwakho ngaphandle kokukhokha inzalo eyengeziwe. Lapha sichaza ukuthi isebenza kanjani:

1. Isicelo: Ukuze ucele ukugunyazwa kwekhredithi, kufanele ugcwalise ifomu eliku-inthanethi elihlinzekayo idatha yakho ulwazi lomuntu siqu, ulwazi lomsebenzi kanye nezinkomba. Qiniseka ukuthi unikeza ulwazi lweqiniso nolwakamuva ukuze ugweme ukubambezeleka kwenqubo.

2. Ukuhlaziywa kwesikweletu: Uma ususifakile isicelo sakho, umnyango wezikweletu uzobuyekeza umlando wakho wesikweletu bese uhlola amandla akho okukhokha. Lokhu kuhlaziya kufaka phakathi ukuqinisekiswa komlando wakho wezezimali, imali engenayo nezinye izici ezifanele. Umgomo uwukuqinisekisa ukuthi ungakwazi ukuhlangabezana nezinkokhelo zakho zanyanga zonke.

14. Imibuzo evamise ukubuzwa mayelana nokusebenza "Kwezinyanga Ezingenayo Inzalo"

Kulesi sigaba, sizophendula eminye yemibuzo evame kakhulu ehlobene nokuthi "Izinyanga Ezingenayo Inzalo" zisebenza kanjani. Uma unemibuzo noma ukukhathazeka mayelana nokuthi le sevisi isebenza kanjani, qhubeka ufunda!

1. Ziyini “Izinyanga Ezingenayo Inzalo”?

“Izinyanga Ezingenayo Inzalo” ziyinketho yokuxhasa ngezimali enikezwa amakhadi amaningi esikweletu. Le nketho ikuvumela ukuthi uthenge ngezitolimende ngaphandle kokukhiqiza inzalo phakathi nesikhathi esikhethiwe. Kuyindlela enhle kakhulu yokuthenga imikhiqizo ebiza kakhulu noma amasevisi ngaphandle kokuthikameze izimali zakho. Ukuze usebenzise le nketho, kufanele ukhokhe ngokugcwele ngaphambi komnqamulajuqu okhethiwe.

2. Ngingafinyelela kanjani “Izinyanga Ezingenayo Inzalo”?

Ukuze ufinyelele indlela ethi "Izinyanga Ezingenayo Inzalo", kufanele uhlangabezane nezimfuneko ezithile ezisungulwe isikhungo sakho sezezimali. Ngokuvamile, kufanele ube nekhadi lesikweletu elinikeza le nketho futhi ube nomlando wesikweletu ovumayo. Lapho uthenga, qinisekisa ukuthi inketho ethi "Izinyanga Ezingenayo Inzalo" iyatholakala bese ukhetha igama elikufanela kangcono. Izinyanga ezingenanzalo zizohluka kuye ngokusungulwa namaphromoshini amanje.

3. Yiziphi izinzuzo zokusebenzisa “Izinyanga Ezingenayo Inzalo”?

Inzuzo eyinhloko yokusebenzisa inketho ethi "Izinyanga Ezingenayo Inzalo" ukukwazi ukusabalalisa izindleko zokuthenga phakathi nezinyanga ezimbalwa ngaphandle kokukhiqiza inzalo eyengeziwe. Lokhu kukunikeza ukuguquguquka kwezezimali futhi kukuvumela ukuthi uthenge imikhiqizo noma amasevisi ongahle ungawathengi ngokushesha ngenxa yezindleko zawo. Ngaphezu kwalokho, le nqubo ingaba isu eliwusizo lokuphatha izinkokhelo zakho futhi ugcine ukulawula okungcono ezezimali zakho siqu.

Kafushane, sihlole kabanzi ukuthi izinyanga ezingenanzalo zisebenza kanjani nokuthi yiziphi izici okufanele sizicabangele lapho sisebenzisa le nketho yezezimali. Kuso sonke isiqephu sendatshana, sizwisise ukuthi izinyanga ezingenanzalo ziyisu elivame ukusetshenziswa izinkampani namabhizinisi ukukhuthaza ukuthengisa nokuheha abathengi.

Sihlolisise izici ezihlukene ezihilelekile kulezi zinhlobo zamaphromoshini, kusukela endimeni yamabhange akhipha amakhadi esikweletu kuya endleleni inzalo ebalwa ngayo esikhathini esithile. Siphinde saxoxa ngezinzuzo kanye nezihibe ezingaba khona zokukhetha izinyanga ezingenayo inzalo, nokuthi kubaluleke kanjani ukufunda imigomo nemibandela ngokucophelela ngaphambi kokwamukela noma yikuphi ukunikezwa.

Kubalulekile ukuqaphela ukuthi izinyanga ezingenayo inzalo zingaba inketho enhle kakhulu kulabo abafuna ukuthenga ngezinkokhelo ezihlehlisiwe ngaphandle kwengcindezi yokuthi bakhokhe isikweletu ngokushesha. Kodwa-ke, kubalulekile ukukhumbula ukuthi, ezimweni eziningi, kukhona amakhomishini noma izindleko ezihlobene nalolu hlobo lokukhushulwa, ngakho-ke kubalulekile ukwenza ukuhlaziya okuphelele ngaphambi kokwenza isinqumo.

Ekugcineni, ukuqonda ukuthi izinyanga ezingenanzalo zisebenza kanjani kusivumela ukuthi senze izinqumo ezinolwazi futhi sandise izinsiza zethu zezezimali ngokuzibophezela. Ngokuqaphela izici ezibalulekile ezihilelekile kule ndlela yokukhokha, singasebenzisa amaphromoshini ngendlela efanele futhi sijabulele izinzuzo zawo ngaphandle kwezimanga ezingajabulisi lapho sikhokhela ukuthenga kwethu ngezitolimende.

Khumbula, ulwazi lungamandla, futhi ukuphatha kahle izinyanga ezingenanzuzo kungaba ithuluzi eliwusizo ekugcineni izimali zethu zomuntu siqu zihlelekile.