Ithuluzi lamahhala lokubolekisa
Isenzi sohlelo lokukhokha
Isikweletu ngasinye, nosuku olufanele lukhokhwe kanye nokuthi kungakanani kuyo okuyinzalo, kungakanani okukhokha isikweletu, nokuthi kusala kungakanani emva kwalokho. Faka imibandela yemali-mboleko ngezansi, bese ulanda uhlelo njengespredishithi noma i-PDF.
Imibandela yemali-mboleko
Indlela yesikweletu esilinganayo esemuva kwezimali-mboleko eziningi zamabhange nezezindlu. Inzalo ikhokhiswa ebhalansini esadingeka futhi isikweletu sihlala sifana — okuhambayo ukwabiwa kusuka enzalweni kuya emalini eyinhloko.
Akuphoqelekile. Yifake ukuze isikweletu ngasinye sibe nosuku lwangempela. Ukuphela kwenyanga kugcinwa — uhlelo oluqala ngomhla ka-31 luwela ngomhla ka-28 kuFebhuwari bese lubuyela komhla ka-31 kuMashi.
Akuphoqelekile. Izimali zesevisi, zokuphatha noma zomshwalense ezengezwa kunkokhelo ngayinye.
Isikweletu senyanga
R 12,481.03
Izinkokhelo ezingu-24, nenzalo engu-R 49,544.61 empilweni yonke yemali-mboleko.
- Inani lemali-mboleko
- R 250,000.00
- Isikweletu esihleliwe
- R 12,481.03
- Inani lezinkokhelo
- 24
- Inzalo iyonke
- R 49,544.61
- Sekukhokhwe sekukonke
- R 299,544.61
Isilinganiso sokuhlela. Imithetho yakho yokuzungeza izinombolo, indlela yakho yokubala izinsuku nezinsuku zakho zokukhokha kungashintsha kancane izikweletu ezithile.
Uhlelo oluphelele
Isikweletu ngasinye, ngokulandelana. Inkokhelo yokugcina ithatha noma yikuphi ukuzungeza ukuze ibhalansi ifike ku-ziro ncamashí.
| Nom. | Ibhalansi yokuqala | Inkokhelo | Inzalo | Imali eyinhloko | Ibhalansi yokugcina |
|---|---|---|---|---|---|
| 1 | R 250,000.00 | R 12,481.03 | R 3,750.00 | R 8,731.03 | R 241,268.97 |
| 2 | R 241,268.97 | R 12,481.03 | R 3,619.03 | R 8,861.99 | R 232,406.98 |
| 3 | R 232,406.98 | R 12,481.03 | R 3,486.10 | R 8,994.92 | R 223,412.06 |
| 4 | R 223,412.06 | R 12,481.03 | R 3,351.18 | R 9,129.84 | R 214,282.22 |
| 5 | R 214,282.22 | R 12,481.03 | R 3,214.23 | R 9,266.79 | R 205,015.43 |
| 6 | R 205,015.43 | R 12,481.03 | R 3,075.23 | R 9,405.79 | R 195,609.63 |
| 7 | R 195,609.63 | R 12,481.03 | R 2,934.14 | R 9,546.88 | R 186,062.75 |
| 8 | R 186,062.75 | R 12,481.03 | R 2,790.94 | R 9,690.08 | R 176,372.67 |
| 9 | R 176,372.67 | R 12,481.03 | R 2,645.59 | R 9,835.44 | R 166,537.23 |
| 10 | R 166,537.23 | R 12,481.03 | R 2,498.06 | R 9,982.97 | R 156,554.26 |
| 11 | R 156,554.26 | R 12,481.03 | R 2,348.31 | R 10,132.71 | R 146,421.55 |
| 12 | R 146,421.55 | R 12,481.03 | R 2,196.32 | R 10,284.70 | R 136,136.85 |
Ukuthi uhlelo lokukhokha lukutshelani
Isikweletu yinombolo eyodwa. Uhlelo lubonisa ukuthi leyo nombolo yenzani ngempela, inyanga nenyanga.
- 1
Ukwabiwa kuyashintsha ngokuhamba kwesikhathi
Emali-mbolekweni yebhalansi encipha, izikweletu zokuqala ziyinzalo kakhulu kanti ezakamuva ziyimali eyinhloko kakhulu, nakuba inkokhelo ingashintshi nanini. Yingakho ukukhokha imali-mboleko ezinyangeni zayo zokuqala kucishe kungayithinti ibhalansi.
- 2
Lubonisa ukuthi ukuqeda kubiza malini
Ibhalansi yokugcina kunoma yimuphi umugqa yilokho obolekayo abezokweleta uma eqeda emva kwaleyo nkokhelo. Ngaphandle kohlelo, isilinganiso sokuqeda kusenesikhathi kungukuqagela — futhi kungumthombo ovamile wezingxabano.
- 3
Yirekhodi enisebenza ngayo nobabili
Uhlelo olunezinsuku olunikezwa lapho imali ikhishwa lutshela obolekayo ngqo ukuthi yini efanele ikhokhwe nanini, futhi lunika ithimba lakho lokuqoqa izinombolo ezifanayo. Izingxabano eziningi zezikweletu ezisemuva ziqala ngamaqembu amabili afunda izinombolo ezihlukene.
Izindlela ezine imali-mboleko ekhokhwa ngazo
Imibuzo emibili inquma isimo sohlelo: inzalo ikhokhiswa kanjani, nemali eyinhloko ibuyiswa kanjani. Izinhlanganisela ababolekisi abazisebenzisa ngempela zifinyelela kulezi ezine.
| Indlela | Isikweletu | Isebenza kanjani |
|---|---|---|
| Ibhalansi encipha, izikweletu ezilinganayo | Siyalingana | Indlela yesikweletu esilinganayo. Inzalo yandiswa kulokho okusadingeka, futhi inkokhelo ibalwa ngendlela yokuthi imali-mboleko iphele ncamashí ngesikweletu sokugcina. Izinkokhelo zokuqala ziyinzalo kakhulu, ezakamuva zibe yimali eyinhloko. |
| Ibhalansi encipha, imali eyinhloko elinganayo | Siyehla | Ibizwa nangokuthi ukukhokha ngomugqa oqondile. Ingxenye efanayo yemali eyinhloko ibuya isikhathi ngasinye futhi inzalo ikhokhiswa ebhalansini eyehlayo, ngakho isikweletu sokuqala yisona esikhulu. Ibiza obolekayo okuncane ngokuphelele kunezikweletu ezilinganayo ezingeni elifanayo. |
| Izinga eliqondile | Siyalingana | Inzalo ibalwa kanye enanini lokuqala isikhathi sonke, bese yahlukaniswa ngokulinganayo phakathi kwezikweletu. Ukuncipha kwebhalansi kuyanganakwa, yingakho izindleko zangempela zezinga eliqondile zicishe ziphindwe kabili kwenombolo yalo emenyezelwe. |
| Inzalo kuphela nenkokhelo yokugcina | Inzalo, bese kuba yisamba | Kukhokhwa inzalo kuphela kuze kube usuku lokugcina, lapho imali eyinhloko yonke ifanele ikhokhwe ngesikhathi esisodwa. Njengoba kungekho okukhokhwayo endleleni, le nayo ithwala inzalo eningi kunazo zonke ezine — futhi ingozi yokukhokha ihlala yonke osukwini lokugcina. |
Kunemibono emibili ehlobene engaphandle kwalolu hlu. Inkokhelo yokugcina eyingxenye ikhokhwa esikhathini eside sokucabanga bese iqeda okusele ngesamba esisodwa. UMthetho we-78 awulona uhlelo nhlobo kodwa yindlela yokwaba inzalo yezinga eliqondile ekubuyiselweni kokukhokha kusenesikhathi, futhi ukhawulelwe noma uvinjelwe ezimakethe eziningana.
Indlela yokufunda uhlelo
Ukuthi ikholomu ngayinye isho ukuthini, nokuthi ikhona ngani.
- Ibhalansi yokuqala
- Okusadingeka ngaphambi kokuba lesi sikweletu sikhokhwe. Emugqeni wokuqala yinani eliphelele lemali-mboleko; kowokugcina yinani inkokhelo yokugcina eliqedayo.
- Inkokhelo
- Isikweletu esifanele sikhokhwe. Ngaphansi kwezindlela ezimbili zesikweletu esilinganayo siyafana kuwo wonke umugqa ngaphandle kowokugcina, olungiswa ngamasenti ambalwa ukuze uhlelo luphele ku-ziro ncamashí. Ngaphansi kwemali eyinhloko elinganayo siyehla isikhathi ngasinye, kanti ngaphansi kwenzalo kuphela sihlala sisincane kuze kube yinkokhelo yokugcina.
- Inzalo
- Umthwalo walesi sikhathi. Ngaphansi kwanoma iyiphi indlela yebhalansi encipha uyehla njengoba isikweletu sehla. Ngaphansi kwezinga eliqondile uyafana kuwo wonke umugqa, ngoba umthwalo wabalwa enanini lokuqala kusukela ekuqaleni. Inzalo kuphela nayo iyawugcina ulingana, njengoba ibhalansi ingashintshi nanini.
- Imali eyinhloko
- Ingxenye yenkokhelo enciphisa isikweletu ngempela. Iyakhula empilweni yemali-mboleko yezikweletu ezilinganayo, ihlale ifana ngaphansi kwemali eyinhloko elinganayo, futhi iyiziro kuze kube yinkokhelo yokugcina ngaphansi kwenzalo kuphela.
- Ibhalansi yokugcina
- Okusalayo emva kwenkokhelo. Yinani lokuqeda kuleyo ndawo yemali-mboleko, futhi kufanele lifinyelele ku-ziro ncamashí emugqeni wokugcina.
Faka imali yokukhokha kusikweletu ngasinye bese ivela ekholomini yayo, yehlukaniswe nenzalo — ngoba iyimali yesevisi, hhayi intengo yemali, futhi abalawuli abaningi balindele ukuthi yembulwe kanjalo.
Imibuzo mayelana nezinhlelo zokukhokha
- Cha. Izinga eliqondile nebhalansi encipha kuchaza indlela inzalo ekhokhiswa ngayo, okuyingxenye eyodwa kuphela yesithombe — enye ingxenye yindlela imali eyinhloko ebuyiswa ngayo. Imali-mboleko yebhalansi encipha ingakhokhwa ngezikweletu ezilinganayo (indlela yesikweletu esilinganayo) noma ngezingxenye ezilinganayo zemali eyinhloko, okukhipha inkokhelo eyehlayo nezindleko eziphansi ezijikelele. Faka inzalo kuphela nenkokhelo yokugcina, bese uthola izakhiwo ezine ezifakwe kuleli thuluzi.
- Zombili zikhokhisa inzalo ebhalansini esadingeka, ngakho zombili ziyizimali-mboleko zebhalansi encipha. Izikweletu ezilinganayo zigcina inkokhelo ifana bese zishintsha ukwabiwa ngaphakathi kwayo. Imali eyinhloko elinganayo igcina ingxenye yemali eyinhloko ifana bese ivumela inkokhelo yehle njengoba inzalo yehla. Imali eyinhloko elinganayo ibiza obolekayo okuncane ngokuphelele, ngoba isikweletu sikhokhwa ngokushesha ezikhathini zokuqala — kodwa idinga imali eningi ekuqaleni, yingakho ababolekisi babathengi bethanda izikweletu ezilinganayo.
- Lapho obolekayo elindele isenzakalo esisodwa sesikhathi esizayo ukuze akhokhe imali eyinhloko — ukuthengiswa kwempahla, isivuno, ukukhokhwa kwe-invoyisi, noma ukubuyisela imali-mboleko. Igcina izindleko zesikhathi ziphansi, kodwa akukho okukhokhwayo endleleni, ngakho ithwala inzalo eningi kunezinye ezintathu futhi igxilisa yonke ingozi yokukhokha osukwini olulodwa. Ababolekisi abaningi bayihlanganisa nesu elicacile lokuphuma nesibambiso.
- Yithebula elibonisa isikweletu ngasinye emali-mbolekweni futhi, kusinye ngasinye, ukuthi kungakanani okuya enzalweni, kungakanani okunciphisa imali eyinhloko, nokuthi yiliphi ibhalansi elisalayo emva kwalokho. Luguqula inombolo eyodwa yenyanga libe yisithombe esiphelele sokuthi isikweletu sikhokhwa kanjani.
- Ngoba inzalo ikhokhiswa kulokho okusadingeka, futhi ekuqaleni cishe yonke imali-mboleko isadingeka. Njengoba ibhalansi yehla, ingxenye yenzalo iyancipha kanti eyemali eyinhloko iyakhula, nakuba isikweletu uqobo singashintshi nanini. Lokhu kusebenza ezimali-mbolekweni zebhalansi encipha kuphela; ngaphansi kwezinga eliqondile ukwabiwa kuhlala kufana.
- Yebo — shintsha indlela yokukhokha ngenhla. Uhlelo luzobonisa inzalo efanayo kuwo wonke umugqa, njengoba izinga eliqondile likhokhisa enanini lokuqala kusukela ekuqaleni kuye ekugcineni. Uma ufuna ukubona ukuthi lokho kubiza malini uma kuqhathaniswa nebhalansi encipha, sebenzisa isiqhathanisi sezinga eliqondile nebhalansi encipha.
- Ngenxa yokuzungeza izinombolo. Isikweletu ngasinye sizungezwa siye eyunithini encane kakhulu yemali, futhi ezinkokhelweni eziningi lezo zingcosana ziyanqwabelana. Inkokhelo yokugcina ithatha lowo mehluko ukuze ibhalansi ifike ku-ziro ncamashí — okuyinto cishe wonke umbolekisi ayenzayo empeleni.
- Usuku ngalunye lulinganiswa kusukela osukwini lwenkokhelo yokuqala hhayi esikweletwini esedlule, ngakho uhlelo alukwazi ukushelela. Ukuphela kwenyanga kuyagcinwa: uhlelo oluqala ngomhla ka-31 kuJanuwari lufanele lukhokhwe ngomhla ka-28 kuFebhuwari, bese kuba ngomhla ka-31 kuMashi, kunokuhlala komhla ka-28 unyaka wonke.
- Yebo. I-CSV ivuleka ku-Excel, ku-Google Sheets noma kunoma yisiphi isipredishithi, inezinombolo ezijwayelekile ezingahlotshisiwe ukuze kungabi khona okudinga ukuhlanzwa kuqala. I-PDF ingumbhalo wangempela ongakhethwa esikhundleni sesithombe, ngakho izinombolo zingakopishwa kuyo.
- Cha. Konke ukubala kwenzeka esiphequluli sakho, futhi amafayela athunyelwa ngaphandle enziwa kudivayisi yakho. Akukho okubhalayo okuthunyelwa kuseva, okugcinwayo, noma okuqoshwayo, futhi akukho kubhalisa.
Ingabe ukukhokha kuyizinga eliqondile nebhalansi encipha kuphela?
Umehluko uyini phakathi kwezikweletu ezilinganayo nemali eyinhloko elinganayo?
Ngiyisebenzise nini inzalo kuphela nenkokhelo yokugcina?
Uhlelo lokukhokha luyini?
Kungani ingxenye enkulu yenkokhelo yami yokuqala iyinzalo?
Ngingakwazi ukwenza uhlelo lwemali-mboleko yezinga eliqondile?
Kungani inkokhelo yokugcina ingafani nezinye?
Izinsuku zokukhokha zibalwa kanjani?
Ngingaluthumela ngaphandle uhlelo?
Ingabe idatha yami iyagcinwa?
Yeka ukwakha kabusha izinhlelo ngesandla
I-Lendbox yenza uhlelo lapho imali ikhishwa, ilandelele inkokhelo ngayinye kulo, ikhombe izikweletu ezisemuva ngosuku ezenzeka ngalo, futhi ibale kabusha ngokuzenzakalela lapho imali-mboleko ihlelwa kabusha noma iqedwa kusenesikhathi.
Ayidingeki ikhadi lesikweletu.
Qhubeka uhlola
- Onke amathuluzi amahhalaAmathuluzi amahhala kwabamali-mbolekoKhetha ithuluzi uthole impendulo ngemizuzwana. Sisengeza okunye, ngakho buya maduze.
- Ithuluzi elihlobeneIsiqhathanisi Sezinga Eliqondile Nebhalansi EnciphaBala imalimboleko efanayo ngezindlela zombili ngasikhathi sinye bese ubona ukuthi izinga eliqondile libiza malini ngempela, kanye nezinga elilinganayo lebhalansi encipha.
- Ithuluzi elihlobeneIsibali-mali Sezinga Lenzalo Elisebenzayo (EIR/APR)Guqula phakathi kwamazinga aqondile nesabalalisayo bese uveza izinga lamaphesenti lonyaka langempela lanoma iyiphi imali-mboleko.