Ngingumhlengikazi ngiqeda ukuhlala kwami futhi manje ngiqala ukucinga kwami ngamathuba amasha omkhuba. Izibhedlela eziningi ziye zachaza "isiqinisekiso sokuthola imali" njengengxenye eyinhloko yecebo labo lesinxephezelo. Isiqinisekiso sokuthola imali sisebenza kanjani? Ingabe kuyinto efanayo nokuthola umholo wesisekelo?
Isiqiniseko Sengeniso Akuyona Imali
Isiqinisekiso sokuthola imali yindlela yokubamba izidakamizwa emphakathini ukuze ziqhubekele endaweni yesevisi yesibhedlela.
Isiqinisekiso sokuthola imali asikho umholo! Isiqinisekiso sokuthola imali sinjengokuboleka imali, noma kusengaphambili, okuthethelelwe ngokuhamba kwesikhathi, ukusiza udokotela ukuba aqalise kumkhuba wakhe wangasese.
Njengomamukeli wecebo lokuthola imali, awusona isisebenzi esibhedlela, kodwa kungadingeka uhlangabezane nezidingo ezimbalwa eziyinhloko. Imigomo yesiqinisekiso sokuthola imali ikuvumela ukuthi wakhe ukwakha kwakho ngendlela ofuna ukuyakha, uma nje uthola ngokwanele ekupheleni kwesikhathi sokunikezwa kweziqinisekiso, ngokuvamile okuyizinyanga ezingu-12, noma izinyanga ezingu-18 kakhulu, kuye ngokuthi ubuchwepheshe bakho bezokwelapha.
Inani lemali engenayo engenayo lihlelwe ngaphambi kwesikhathi. Isibonelo, unganikezwa isiqinisekiso esingu-$ 20,000 ngenyanga. Uma isiqinisekiso sakho semali engenayo sabekwa ku-$ 20,000, uzothola isheke inyanga ngayinye ngenani elilingana nomehluko phakathi kuka-$ 20,000 kanye nenani oliqoqile leyo nyanga. Ekupheleni kwezinyanga ezingu-12, uma lokho kuyisikhathi sokuqinisekisa, ngeke ukwazi ukukhokhela esinye isikweletu noma kufanele ukhokhe noma yini, uma nje uhlala emphakathini owenza umuthi.
Isikhathi sokuthethelela esiphakathi cishe eminyakeni emithathu emva kokuphela kwesikhathi sokuqinisekisa.
Izinhlobo ezimbili zeziqinisekiso
Kunezinhlobo ezimbili zeziqinisekiso zokuthola imali: isiqiniseko senzuzo engenayo, kanye nesiqinisekiso esikhulu semali engenayo. Isiqinisekiso semali engenayo engenayo sihlanganisa umholo wakho kuphela. Izindleko zakho ezingaphezulu zizokhokhelwa, zivunyelwe, futhi zibuyiselwe njengenhlangano ehlukile.
Isiqinisekiso esiphezulu sokuthola imali sizofaka izindleko zakho kanye nezindleko ezengeziwe ngaphezu kwesilinganiso esisodwa sezinyanga eziqinisekisiwe. Uma uqhuba umkhuba wakho uncike futhi imali ishiywe esabelweni sezindleko, uzobe ugcine leyo mali eyengeziwe egcinwe.