Ubalo-mali oludibanisiweyo
Ileja enkulu ezifakayo ukusuka kwincwadi yakho yemali-mboleko
Ukukhutshwa kwemali, ukwanda, iintlawulo, iintlawulo zenkonzo, izohlwayo nokususwa kuba kukungeniswa kwejenali njengoko kusenzeka. Ukuphela kwenyanga kuqala kwiincwadi esele zivumelana.
- 1Ukungeniswa okuveliswe ngumsebenzi wemali-mboleko, hayi okuchwethezwe kwakhona
- 2Umkhethi wexesha — ileja isoloko ikhona ngoku, ayidityaniswa ekupheleni kwenyanga
Akukho mntu owakuchwetheza oku. Ukungeniswa ngakunye kwabhalwa lisiganeko semali-mboleko esikubangeleyo, kwaye kunxulumana kubuyele kwimali-mboleko.
Ukuphela kwenyanga
Ukuvalwa okufanayo, kumacala omabini otshintsho
Umahluko asikokuba enye ikhawuleza. Kukuba enye yazo inenyathelo lokulungelelanisa kwaye enye ayinalo.
Ukuphela kwenyanga namhlanje
- Khupha incwadi yemali-mboleko uyise kwispredishithi.
- Chwetheza kwakhona ukukhutshwa kwemali, iintlawulo, iintlawulo zenkonzo nezohlwayo kwipakethi yakho yobalo-mali njengeejenali.
- Yakha kwakhona ukwanda kwenzala kwelo xesha ngefomula.
- Lungelelanisa incwadi yemali-mboleko ne-akhawunti, uze ufumane umahluko.
- Landela umahluko kwiinkqubo ezimbini ude uvale — okanye uwususe uqhubeke.
- Cacisela umphicothi umahluko ngokusuka kwinkumbulo nakwimfumba yamaphepha aprintiweyo.
Iintsuku ezintathu, ukuba akukho nto ingaqhelekanga eyenzekileyo ngaloo nyanga.
Ukuphela kwenyanga kwi-Lendbox
- Iijenali sele zifakiwe. Zabhalwa njengoko imali-mboleko yayikhutshwa yaye ihlawulwa.
- Inzala sele yandile, ngesicwangciso imveliso esimiselayo.
- Vula ibhalansi yovavanyo.
- Yehla ukusuka kulo naliphi na inani uye kwijenali engasemva kwalo, nasukela kwijenali uye kwimali-mboleko.
Akukho nto ifuna ukulungelelaniswa, ngenxa yokuba kukho iseti enye kuphela yeencwadi.
Ukusuka kwisiganeko ukuya kungeniso lwejenali
Into efakwayo, nento eyifakayo kanye
Sonke isiganeko semali-mboleko sinomthetho wokufaka. Ezintathu zazo zenziwe ngokupheleleyo ngezantsi — umbalimali kufuneka akwazi ukuzihlola umgca ngomgca.
| Isiganeko semali-mboleko | Into efakwa kwileja |
|---|---|
| Ukukhutshwa kwemali | Ifaka ityala kwimali-mboleko efunwayo, ifake ikhredithi kwi-akhawunti imali ephume kuyo, kwaye ibambe nayiphi na intlawulo esuswe ngexesha lokukhululwa. |
| Ukwanda kwenzala | Ifaka ityala kwinzala efunwayo kwaye ifake ikhredithi kwingeniso yenzala, ngesicwangciso imveliso yemali-mboleko esimiselayo. |
| Intlawulo | Ifaka ityala kwi-akhawunti imali efike kuyo, emva koko ifake ikhredithi kwizohlwayo, iintlawulo, inzala neyona mali ngolo landelelwano, kude kuphele intlawulo. |
| Iintlawulo zenkonzo | Ifaka ikhredithi kwingeniso yeentlawulo xa intlawulo ibhatalwa, okanye kwingeniso yeentlawulo emiselweyo apho yamkelwa kulo lonke ixesha. |
| Izohlwayo | Ifaka ityala kwizohlwayo ezifunwayo kwaye ifake ikhredithi kwingeniso yezohlwayo ngexesha isohlwayo sibhatalwa. |
| Ukususwa | Ifaka ityala kwi-akhawunti yelahleko yemali-mboleko kwaye ifake ikhredithi kwimali-mboleko efunwayo, ivale ukuchaphazeleka. |
| Izaphulelo zemali-mboleko | Ifaka ityala kwisaphulelo esinikiweyo kwaye ifake ikhredithi kwimali-mboleko efunwayo ngesixa esixolelweyo. |
| Ingeniso emiselweyo | Ikhulula ingeniso yeentlawulo emiselweyo iye kwingeniso yeentlawulo kubomi bonke bemali-mboleko. |
Ukukhutshwa kwemali
IyalinganaImali-mboleko LN-4821 · 45,000 ekhutshiweyo · intlawulo yolungiselelo ye-2% isusiwe
Intlawulo
IyalinganaImali-mboleko LN-4821 · 3,200.00 efunyenweyo · ilibazisekile iintsuku ezi-6
Ukwanda kwenzala
IyalinganaUkuphela kwenyanga · LN-4821 · 3.5% kwibhalansi esalindeleyo
Ukungeniswa okungumzekelo ngokuchasene nemali-mboleko enye, ngemali yakho yokunika ingxelo. Ii-akhawunti zakho nemithetho yokufaka zivela kwitshati yakho yee-akhawunti nakwiimveliso zakho zemali-mboleko.
Into eyenzayo
Icala lobalo-mali, ngokupheleleyo
Le yileja enkulu, hayi ingxelo ejongeka njengayo. Iingxelo zenziwa ukusuka kufakelo oluphindwe kabini olufakiweyo, yiloo nto zivumelana.
Itshati yakho yee-akhawunti
Ii-akhawunti zithwala ikhowudi, igama nohlobo — impahla, ityala, i-equity, ingeniso okanye inkcitho — kwaye zibe ngaphakathi kwee-akhawunti ezingaphantsi. Misela iibhalansi zokuqala nomhla ezisebenza ukusuka kuwo. Amaziko asele enetshati ayigcina; ukufakwa kwemali-mboleko kudibana nee-akhawunti osele uzisebenzisa.
Ibhalansi yovavanyo neengxelo zemali
Ibhalansi yovavanyo, inzuzo nelahleko, ingxelo yebhalansi nokuhamba kwemali, kuveliswa kwileja efakiweyo kulo naliphi na ixesha. Ingeniso yenzala, ingeniso yeentlawulo nengeniso yezohlwayo yimigca eyahlukeneyo, ngenxa yokuba ibhodi engaboniyo apho ingeniso ivela khona ayinakwahlula incwadi ekhulayo kweyohlwayayo.
Ubalo-mali lwamasebe amaninzi
Ukungeniswa ngakunye kuthwala isebe elingelalo. Qhuba ileja neengxelo ngesebe elinye, okanye ngeziko liphela, ukusuka kwidatha efanayo efakiweyo. Umphathi wesebe ubona ukusebenza kwakhe; iofisi enkulu ibona ukudityaniswa ngaphandle kokucela umntu ukuba akulungiselele.
Ukungeniswa kwejenali ngesandla, kunikwe igama
Okunye ukungeniswa kuhlala kusenziwa ngesandla — intlawulo yebhanki, ulungiso, ukwanda ngaphandle kwencwadi yemali-mboleko. Kufake apha, kwaye kuthwala umsebenzisi okufakileyo, umhla nengcaciso. Ukungeniswa kwesandla kuphawulwa njengokwesandla, ngoko okuzenzekelayo nokwenziwe ngesandla akusoze kudideke.
Ukungeniswa okufakiweyo akunakuhlelwa ngokuthe cwaka
Ukungeniswa ngakunye kuthwala umhla intengiselwano ekuwo. Nje ukuba ukungeniswa kufakiwe, ukukutshintsha akukokuhlela okuthe cwaka — utshintsho luphakanyiselwa ukuvunywa, kwaye umsebenzisi wesibini kufuneka alwamkele. Oko ileja yakuthethayo kwinyanga ephelileyo kusekuko oko yakuthethayo, kwaye inyaniso yokuba umntu wayefuna kutshintshwe nayo iyinxalenye yerekhodi.
- 1Imigca yetyala neyekhredithi
- 2Imali-mboleko engumthombo emva kokufakwa
Lonke ungeniso oluzenzekelayo lugcina ikhonkco eliya kwimali-mboleko eyalubangelayo.
Kumphicothi
Lonke inani lilandeleka libuyele kwimali-mboleko ngaphandle kokuba kubekho umntu olilungiselelayo
Isizathu sokuba uphicotho lubize kunqabile ukuba lube luphicotho ngokwalo. Yiveki iqela lakho elichitha lidibanisa ubungqina balo.
Apha ubungqina sele bukho. Inani kwiingxelo lisiXa seejenali; ijenali nganye inemigca yayo, umsebenzisi oyifakileyo, kwaye — apho yaveliswa ngumsebenzi wemali-mboleko — imali-mboleko eyayibangelayo. Umphicothi ulandela elo khonkco ngokwakhe.
- Ileja enkulu epheleleyo kulo naliphi na ixesha
- Ukunikwa igama kwinqanaba lokungeniswa: ngubani okufakileyo, nanini
- Imali-mboleko engumthombo emva kwako konke ukufakwa okuzenzekelayo
- Ukungeniswa kwesandla, okuphawulwe njengokwesandla, nengcaciso yakho
Ngaphambi kokuba uqale
- Ingaba sisayifuna isoftware eyahlukeneyo yobalo-mali?
- Kwincwadi yemali-mboleko, hayi — ileja, ibhalansi yovavanyo neengxelo zemali zikhona apha. Amaziko anomsebenzi ongaphandle kakhulu kobolekiso ngamanye amaxesha agcina ipakethi yawo ekhoyo ngenxa yaloo nto, aze asebenzise i-Lendbox njengomthombo osemthethweni wako konke okuveliswa yincwadi yemali-mboleko.
- Singawakhupha amanani siwase kumbalimali wethu?
- Ewe. Ileja neengxelo ziyakhutshwa, ngoko umbalimali wakho angasebenza ngamanani afanayo ngaphandle kokungena. Ekubeni konke ukufakwa kuthwala imali-mboleko yako engumthombo, imibuzo ibuya njengokuthi «ndibonise olu ngeniso», hayi njengokuthi «yakha kwakhona le nyanga».
- Iibhalansi zokuqala zisebenza njani xa sifuduka?
- I-akhawunti nganye kwitshati yakho ithatha ibhalansi yokuqala nomhla esebenza ukusuka kuwo, ngoko ileja iqala kwisikhundla sakho sokwenene ngemini otshintsha ngayo. Imali-mboleko ingeniswa neebhalansi zayo ezisalindeleyo, kwaye ukufakwa kuqhubeka phambili ukusuka apho.
Imibuzo abantu abayibuzayo
- Ewe. Iziganeko zemali-mboleko zifakwa njengongeniso lwejenali olulinganayo ngokuchasene netshati yakho yee-akhawunti, kwaye ibhalansi yovavanyo, inzuzo nelahleko, ingxelo yebhalansi nokuhamba kwemali kuveliswa kuloo leja ifakiweyo.
- Ukukhutshwa kwemali, ukwanda kwenzala, iintlawulo — ezabiwe kwizohlwayo, iintlawulo, inzala neyona mali — iintlawulo zenkonzo, izohlwayo, ukususwa, izaphulelo zemali-mboleko nokukhululwa kwengeniso emiselweyo.
- Ewe. Itshati inokulungiselelwa ngeziko ngalinye, kunye neekhowudi zee-akhawunti, iintlobo nee-akhawunti ezingaphantsi, kwaye ukufakwa kwemali-mboleko kudibana nee-akhawunti osele uzisebenzisa.
- Ewe — ibhalansi yovavanyo, inzuzo nelahleko, ingxelo yebhalansi nokuhamba kwemali, kulo naliphi na ixesha, ukusuka kwileja efakiweyo.
- Ewe. Ukungeniswa ngakunye kuthwala isebe lako, ngoko ileja neengxelo zinokuqhutywa ngesebe elinye okanye ngeziko liphela ukusuka kwidatha efanayo.
- Hayi ngokuthe cwaka. Utshintsho kungeniso olufakiweyo luphakanyiselwa ukuvunywa kwaye kufuneka lwamkelwe ngomnye umsebenzisi, kwaye kokubini okwantlandlolo notshintsho kuhlala kuyinxalenye yerekhodi.
Ingaba i-Lendbox yenza ubalo-mali oluphindwe kabini?
Zeziphi iziganeko zemali-mboleko ezifakwa ngokuzenzekelayo?
Singayisebenzisa itshati yethu yee-akhawunti ekhoyo?
Singayivelisa ibhalansi yovavanyo neengxelo zemali?
Ingaba ubalo-mali luyasebenza kuwo onke amasebe?
Ingaba ungeniso lwejenali olufakiweyo lunokutshintshwa?
Nayiphi na inxalenye ekuzise apha, oku kuza nayo
- Ababoleki, imali-mboleko neefayile ezingenamda
- Akukho ntlawulo ngerekhodi nganye. Ityala lakho alikhuli ngenxa yokuba incwadi yakho ikhulile.
- Abasebenzi bakho kwiwebhu, kwi-Android nakwi-iOS
- Idatha efanayo kwilaptop esesebeni nakwifowuni esentsimini.
- Umkhondo wophicotho opheleleyo
- Sonke isenzo sithwala igama lomntu osenzileyo nexesha alenze ngalo.
Yifake kwincwadi yakho yemali-mboleko
Yenza i-akhawunti, useke imveliso enye yemali-mboleko, uze uqhube imali-mboleko yokwenene ukusuka ekuqaleni ukuya ekugqibeleni. Akukho nto ifunekayo ukufakelwa.
Uvavanyo lwasimahla lweentsuku ezingama-30. Akufuneki khadi.