Ukubalwa kwezimali okuhlanganisiwe
Ileja enkulu ezifaka yona kusuka encwadini yakho yemali-mboleko
Ukukhishwa kwemali, ukwanda, izinkokhelo, izimali, izinhlawulo nokususwa kuba ukufakwa kwejenali njengoba kwenzeka. Ukuphela kwenyanga kuqala ezincwadini esezivumelana kakade.
- 1Ukufakwa okuvela emsebenzini wemali-mboleko, hhayi okuthayishwe kabusha
- 2Isikhethi senkathi — ileja ihlala imanje, ayihlanganiswa ekupheleni kwenyanga
Akekho owakuthayipha lokhu. Konke ukufakwa kwabhalwa yisenzakalo semali-mboleko esikubangele, futhi kuxhuma emuva emali-mbolekweni.
Ukuphela kwenyanga
Ukuvala okufanayo, kuzo zombili izinhlangothi zoshintsho
Umehluko akukhona ukuthi olunye lusheshe. Ukuthi olunye lwalo lunesinyathelo sokuvumelanisa kanti olunye alunaso.
Ukuphela kwenyanga namuhla
- Khipha incwadi yemali-mboleko uyise kuspredishithi.
- Thayipha kabusha ukukhishwa kwemali, izinkokhelo, izimali nezinhlawulo ephakheji yakho yokubala izimali njengamajenali.
- Yakha kabusha ukwanda kwenzalo kwenkathi ngefomula.
- Vumelanisa incwadi yemali-mboleko namaakhawunti, uthole umehluko.
- Landela umehluko kuzinhlelo ezimbili uze uvale — noma uwususe uqhubeke.
- Chazela umcwaningimabhuku umehluko usuka enkumbulweni nasenqwabeni yamaphrinti.
Izinsuku ezintathu, uma kungekho okungajwayelekile okwenzeke phakathi nenyanga.
Ukuphela kwenyanga ku-Lendbox
- Amajenali asefakiwe kakade. Abhalwa njengoba imali-mboleko ikhishwa futhi ikhokhwa.
- Inzalo isivele yandile, ohlelweni umkhiqizo olubekayo.
- Vula ibhalansi yokuhlola.
- Yehla kunoma yiliphi inani uye ejenali elingemuva kwalo, nakusuka ejenali uye emali-mbolekweni.
Akukho okufanele kuvumelaniswe, ngoba kunesethi eyodwa yezincwadi kuphela.
Kusuka esenzakalweni kuya ekufakweni kwejenali
Okufakwayo, nokuthi kufakani ngqo
Sonke isenzakalo semali-mboleko sinomthetho wokufaka. Ezintathu zazo zenziwe ngokugcwele ngezansi — umbali wezimali kufanele akwazi ukuzihlola umugqa nomugqa.
| Isenzakalo semali-mboleko | Okufakwa elejeni |
|---|---|
| Ukukhishwa kwemali | Kufaka isikweletu kumali-mboleko ezokutholakala, kufake ikhredithi kwi-akhawunti imali ephume kuyo, futhi kubambe noma yiyiphi imali esuswe ngesikhathi sokukhululwa. |
| Ukwanda kwenzalo | Kufaka isikweletu kunzalo ezotholakala futhi kufake ikhredithi kumali engenayo yenzalo, ohlelweni umkhiqizo wemali-mboleko olubekayo. |
| Inkokhelo | Kufaka isikweletu kwi-akhawunti imali efike kuyo, bese kufaka ikhredithi ezinhlawulweni, ezimalini, enzalweni nasenhlokweni ngalelo landelano, kuze kuphele inkokhelo. |
| Izimali | Kufaka ikhredithi kumali engenayo yezimali lapho imali ikhokhiswa, noma kumali engenayo yezimali ehlehlisiwe lapho yamukelwa kuso sonke isikhathi. |
| Izinhlawulo | Kufaka isikweletu ezinhlawulweni ezizotholakala futhi kufake ikhredithi kumali engenayo yezinhlawulo ngesikhathi inhlawulo ikhokhiswa. |
| Ukususwa | Kufaka isikweletu kwi-akhawunti yokulahlekelwa kwemali-mboleko futhi kufake ikhredithi kumali-mboleko ezotholakala, kuvale ukuchayeka. |
| Izaphulelo zemali-mboleko | Kufaka isikweletu kwisaphulelo esinikeziwe futhi kufake ikhredithi kumali-mboleko ezotholakala ngenani elithethelelwe. |
| Imali engenayo ehlehlisiwe | Kukhulula imali engenayo yezimali ehlehlisiwe iye kumali engenayo yezimali kuyo yonke impilo yemali-mboleko. |
Ukukhishwa kwemali
KuyalinganaImali-mboleko LN-4821 · 45,000 ekhishiwe · imali yokuhlela ka-2% isusiwe
Inkokhelo
KuyalinganaImali-mboleko LN-4821 · 3,200.00 etholakele · iphuze izinsuku ezi-6
Ukwanda kwenzalo
KuyalinganaUkuphela kwenyanga · LN-4821 · 3.5% kwibhalansi esakweletwa
Ukufakwa okuyisibonelo maqondana nemali-mboleko eyodwa, ngemali yakho yokubika. Ama-akhawunti akho nemithetho yokufaka kuvela kushadi lakho lama-akhawunti nasemikhiqizweni yakho yemali-mboleko.
Okwenzayo
Uhlangothi lokubala izimali, ngokugcwele
Lena yileja enkulu, hhayi umbiko obukeka njengayo. Izitatimende zenziwa kusukela ekufakweni okuphindwe kabili okufakiwe, yingakho zivumelana.
Ishadi lakho lama-akhawunti
Ama-akhawunti aphethe ikhodi, igama nohlobo — impahla, isikweletu, i-equity, imali engenayo noma izindleko — futhi ahlanganiswe kuma-akhawunti angaphansi. Beka amabhalansi okuqala nosuku asebenza kusuka kulo. Izikhungo esezivele zinashadi ziyaligcina; ukufakwa kwemali-mboleko kuhambisana nama-akhawunti osuvele uwasebenzisa.
Ibhalansi yokuhlola nezitatimende zezimali
Ibhalansi yokuhlola, inzuzo nokulahleka, isitatimende sebhalansi nokuhamba kwemali, kwenziwa kusukela elejeni efakiwe kunoma yiyiphi inkathi. Imali engenayo yenzalo, yezimali neyezinhlawulo iyimigqa ehlukene, ngoba ibhodi engaboni ukuthi imali engenayo ivelaphi ayikwazi ukuhlukanisa incwadi ekhulayo kweyijezisayo.
Ukubalwa kwezimali kwamagatsha amaningi
Konke ukufakwa kuphethe igatsha okungelalo. Sebenzisa ileja nezitatimende ngegatsha elilodwa, noma ngesikhungo sisonke, kusuka kudatha efanayo efakiwe. Umphathi wegatsha ubona ukusebenza kwakhe; ihhovisi elikhulu libona ukuhlanganiswa ngaphandle kokucela othile ukuba akulungise.
Ukufakwa kwejenali ngesandla, kunikwe igama
Okunye ukufakwa kuhlala kwenziwa ngesandla — imali yebhange, ukulungisa, ukwanda ngaphandle kwencwadi yemali-mboleko. Kufake lapha, futhi kuphethe umsebenzisi okufakile, usuku nencazelo. Ukufakwa kwesandla kumakwa njengokwesandla, ngakho okuzenzakalelayo nokwenziwe ngesandla akukaze kudidaniswe.
Okufakiwe akukwazi ukuhlelwa ngokuthula
Konke ukufakwa kuphethe usuku ukuthengiselana okungaphansi kwalo. Uma ukufakwa sekwenziwe, ukukushintsha akusikho ukuhlela okuthulile — ushintsho luphakanyiselwa ukugunyazwa, futhi umsebenzisi wesibili kufanele alwamukele. Lokho ileja eyakusho ngenyanga edlule kusengilokho eyakusho, futhi iqiniso lokuthi othile ubefuna kushintshwe nalo luyingxenye yerekhodi.
- 1Imigqa yesikweletu neyekhredithi
- 2Imali-mboleko engumthombo ngemuva kokufakwa
Konke ukufakwa okuzenzakalelayo kugcina isixhumanisi semali-mboleko eyakubangela.
Kumcwaningimabhuku
Lonke inani lilandeleka libuyele emali-mbolekweni ngaphandle kokuba kube khona okulungisayo
Isizathu sokuthi ukucwaningwa kubize kuyivelakancane ukuthi kube ukucwaningwa uqobo. Kuyisonto ithimba lakho elilichitha lihlanganisa ubufakazi balo.
Lapha ubufakazi sebuvele bukhona. Inani esitatimendeni liyisamba samajenali; ijenali ngalinye linemigqa yalo, umsebenzisi olifakile, futhi — lapho lenziwe umsebenzi wemali-mboleko — imali-mboleko eyalibangela. Umcwaningimabhuku ulandela lolo chungechunge yena ngokwakhe.
- Ileja enkulu ephelele kunoma yiyiphi inkathi
- Ukunikwa kwegama ezingeni lokufakwa: ubani okufakile, nanini
- Imali-mboleko engumthombo ngemuva kwakho konke ukufakwa okuzenzakalelayo
- Ukufakwa kwesandla, okumakwe njengokwesandla, nencazelo yakho
Ngaphambi kokuqala
- Ingabe sisadinga isofthiwe ehlukene yokubala izimali?
- Kwincwadi yemali-mboleko, cha — ileja, ibhalansi yokuhlola nezitatimende zezimali kulapha. Izikhungo ezinomsebenzi ongaphandle kakhulu kokubolekisa ngezinye izikhathi zigcina iphakheji yazo ekhona ukwenzela lokho, futhi zisebenzise i-Lendbox njengomthombo ogunyaziwe kukho konke okwenziwa incwadi yemali-mboleko.
- Singawakhipha amanani siwayise kumbali wethu wezimali?
- Yebo. Ileja nemibiko kuyakhishwa, ngakho umbali wakho wezimali angasebenza ngamanani afanayo ngaphandle kokungena. Ngoba konke ukufakwa kuphethe imali-mboleko yako engumthombo, imibuzo ibuya njengokuthi «ngibonise lokhu okufakiwe», hhayi njengokuthi «yakha kabusha le nyanga».
- Amabhalansi okuqala asebenza kanjani lapho sithutha?
- I-akhawunti ngayinye kushadi lakho ithatha ibhalansi yokuqala nosuku esebenza kusuka kulo, ngakho ileja iqala esimweni sakho sangempela ngosuku oshintsha ngalo. Imali-mboleko ingeniswa namabhalansi ayo asakweletwa, futhi ukufakwa kuhamba phambili kusuka lapho.
Imibuzo abantu abayibuzayo
- Yebo. Izenzakalo zemali-mboleko zifakwa njengokufakwa kwejenali okulinganayo maqondana neshadi lakho lama-akhawunti, futhi ibhalansi yokuhlola, inzuzo nokulahleka, isitatimende sebhalansi nokuhamba kwemali kwenziwa kusuka kuleyo leja efakiwe.
- Ukukhishwa kwemali, ukwanda kwenzalo, izinkokhelo — ezabiwe ezinhlawulweni, ezimalini, enzalweni nasenhlokweni — izimali, izinhlawulo, ukususwa, izaphulelo zemali-mboleko nokukhululwa kwemali engenayo ehlehlisiwe.
- Yebo. Ishadi lingalungiswa ngesikhungo ngasinye, ngamakhodi ama-akhawunti, izinhlobo nama-akhawunti angaphansi, futhi ukufakwa kwemali-mboleko kuhambisana nama-akhawunti osuvele uwasebenzisa.
- Yebo — ibhalansi yokuhlola, inzuzo nokulahleka, isitatimende sebhalansi nokuhamba kwemali, kunoma yiyiphi inkathi, kusuka elejeni efakiwe.
- Yebo. Konke ukufakwa kuphethe igatsha lakho, ngakho ileja nezitatimende zingasetshenziswa ngegatsha elilodwa noma ngesikhungo sisonke kusuka kudatha efanayo.
- Hhayi ngokuthula. Ushintsho kokufakiwe luphakanyiselwa ukugunyazwa futhi kufanele lwamukelwe omunye umsebenzisi, futhi kokubili okwasekuqaleni noshintsho kuhlala kuyingxenye yerekhodi.
Ingabe i-Lendbox yenza ukubalwa kwezimali okuphindwe kabili?
Yiziphi izenzakalo zemali-mboleko ezifakwa ngokuzenzakalelayo?
Singasebenzisa ishadi lethu lama-akhawunti elikhona?
Singakwazi ukukhiqiza ibhalansi yokuhlola nezitatimende zezimali?
Ingabe ukubalwa kwezimali kuyasebenza kuwo wonke amagatsha?
Ingabe ukufakwa kwejenali okwenziwe kungashintshwa?
Noma iyiphi ingxenye ekulethe lapha, lokhu kuza nayo
- Ababoleki, imali-mboleko namafayela angenamkhawulo
- Akukho mali ekhokhwayo ngerekhodi ngalinye. Ibhili yakho ayikhuli ngoba incwadi yakho ikhulile.
- Abasebenzi bakho kuwebhu, ku-Android naku-iOS
- Idatha efanayo kulaptop egatsheni nasocingweni ensimini.
- Umzila wokucwaninga ophelele
- Sonke isenzo siphethe igama lomuntu osenzile nesikhathi asenza ngaso.
Kufake encwadini yakho yemali-mboleko
Dala i-akhawunti, usethe umkhiqizo owodwa wemali-mboleko, futhi udlulise imali-mboleko yangempela kusukela ekuqaleni kuya ekugcineni. Akukho okufakwayo.
Ukulinga kwamahhala kwezinsuku ezingama-30. Ayidingeki ikhadi.