Indlela ajezise ababoleka abonakele ezinkantolo?

Naphezu kweqiniso lokuthi ezweni lethu izinga jikelele nemagugu emasiko nesimo zokuziphatha eminyakeni yamuva ikhuphuke kakhulu, abantu abaningi ngokuvamile baziphathe ngokwethembeka okuhle futhi musa ukuphila nokukhokhela izikweledu zethu ku izibopho ezikweletu. Okufanele ukwenze nabantu abanjalo futhi kanjani abajezise?

Into esemqoka ukuthi kudingeka sinake uma unikela ngemali ngesikweletu - kungcono ebhalwe kahle promissory inothi (inkontileka). Lokho-ke kwenza kube nokwenzeka ukuba nomthelela umhlaseli njengoba nokuqoqwa kwezikweletu ezinkantolo njalo aludingi bufakazi obuqondile. Kuyaphawuleka ezifakazela ukuthi unecala kungaba nzima kakhulu futhi ngezinye izikhathi cishe akunakwenzeka esivumelwaneni ngomlomo.

Lowo Mbhalo wangonyaka we ebaluleke kakhulu ukuthi ungakwazi ukusiza ukubuya izikweletu ezinkantolo, nokuthi kungukuqala kwesivivinyo, isitatimende kwesimangalo. Icacisa izimo ngaphansi okuyinto ukuboleka imali, kanye namanye amadokhumenti zisetshenziswa, kuhlanganise IOU. Kuyaphawuleka ukuthi ukusizwa inkantolo ikhokhwe komsebenzi isimo, okuyinto 4% semali isimangalo (nge inani ruble 20,000). Isitatimende kwesimangalo luzakwenziwa e amakhophi amabili. Fike of them zuza kanye ajenda ikusasa ummangalelwa nangalowo ingxenye icala lesibili.

Isigaba sokuqala kwesivivinyo - inselele ukuba yahlulele zombili kwabanye incazelo, okuzokwenza zisetshenziswe kamuva esimweni, kanye ukuphakela ubufakazi obengeziwe. Kulesi sigaba kukhona namanje ithuba ngokuthula ukuxazulula lolo dweshu.

Khona-ke kuqala isigaba sesibili niqaphele ukuzivikela - kuzwa kokuqala. Okokuqala waletha amaqembu aphikisanayo, unobhala, ijaji, futhi kukhona isimemezelo icala. Nginikela phansi ukuze ummangali.

Ummangali wake waveza lidlule izwi ukuze ummangalelwa. Ummangalelwa singawathola njengoba isivumelwano futhi ukungavumelani izimangalo. Ubuye ilungelo ukubeka phambili esivuna yayo ubufakazi ezithile ezingokoqobo nezikhona ngempela.

Isinyathelo esilandelayo ungumahluleli inikeza amaqembu ithuba abaphendukela kuye izicelo kanye nokunxusa on izinzuzo. Ungacela emaciniso, ubufakazi, futhi isandiso futhi idiphozi ibhizinisi.

Ngo esigabeni sokugcina, zombili waphinda ngibize ematfuba, lapho ummangali futhi ummangalelwa futhi kukhona ifomu emfushane ukuchaza isikhundla sazo sangempela ukuzisholo kwazo. Lapho monologues ziyoqedwa, ijaji ikhishiwe ngenxa izinqumo. Isinqumo secala umahluleli shall kuphela egumbini ekhethekile, lapho kwakudingeka akekho ongamisa. Okokuqala eziphoqelelwe isixazululo eyinhloko ukuthi ekutshela ukuthi isimangalo wanelisekile, futhi uma anelisekile, lokho izingxenye. Ngemva kwezinsuku eziyisihlanu bebe isinqumo sokugcina wenkantolo zizokwenziwa (ezicatshangisisiwe). Ngaphezu kwalokho kukhona isikhalo mayelana nesinqumo.

Yonke inqubo ezinkantolo - a ende nenzima. Ummangali ngokuvamile ubhekene nobunzima - sikhulu kanye nokukhokhwa kwezimali zikahulumeni, kanye namasevisi nokukhokhwa nommeli ongumakad 'ebona, futhi ukuqoqa wonke amaphepha adingekayo. Ngaphambi ukunikeza umuntu imali esikweletini, kudingeka kahle cabanga isinqumo sakhe.