Ukufaka isicelo sekhadi letyala eArgentina kunokuvula amathuba amaninzi emali: ukuhlawula ngezavenge ngaphandle kwenzala, ukuthenga kwi-intanethi, ukufumana izibonelelo ezikhethekileyo nokwakha imbali yetyala. Noko ke, ukukhetha kakubi kunokuthetha ukuhlawula iindleko eziphezulu okanye ukwaliwa ngokungeyomfuneko.
Ukuba ufuna ukwandisa amathuba okuba isicelo sakho samkelwe nokufumana imiqathango engcono kwasekuqaleni, kufuneka ube nesicwangciso. Kwesi sikhokelo sikuchazela indlela yokwenza oko inyathelo ngenyathelo.
Enye yezona mpazamo zixhaphakileyo kukufaka isicelo sekhadi lokuqala elivelayo, ungakhange uhlalutye iimfuno, iindleko okanye ukuba liyahambelana na nemeko yakho yezemali. Oku kunokubangela:
Ukwaliwa okunokuchaphazela imbali yakho yetyala
Imida yetyala ephantsi kakhulu
Iindleko eziphezulu zezemali
Izibonelelo ezingahambelani nendlela osebenzisa ngayo imali
Eyona nto ibalulekileyo asikokucela amakhadi amaninzi, koko kukucela elo likulungeleyo.
Amaziko emali ahlalutya ikakhulu ezi zinto zintathu:
Indlela obuziphethe ngayo ngokwezimali ngaphambili ibaluleke kakhulu. Ukuba ubuhlawula iimali-mboleko okanye amatyala eenkonzo ngexesha, iprofayili yakho iya kuthandeka ngakumbi. Ukuba kukho iintlawulo ezilibazisekileyo, kungcono uzilungise ngaphambi kokufaka isicelo sekhadi elitsha.
Ingeniso onokuyingqina ichaphazela kokubini ukwamkelwa kwesicelo kunye nomda wetyala owabelwayo. Okukhona uzinzile umthombo wakho wengeniso, kokukhona enyuka amathuba akho okufumana imiqathango engcono.
Ukuba sele uneemali-mboleko ezisebenzayo okanye usebenzisa inxalenye enkulu yemida yakho yetyala ekhoyo, iziko lisenokugqiba ekubeni amandla akho okuhlawula sele exinekile.
Ayingawo onke amakhadi afanayo. Ukukhetha kakuhle kuxhomekeke kwimeko okuyo ngoku.
Amakhadi asisiseko okanye enzelwe abaqalayo adla ngokuba neemfuno ekulula ukuzifezekisa. Alungele ukwakha imbali yetyala. Nangona umda wokuqala unokuba sezantsi, unokunyuka xa uwasebenzisa kakuhle.
Unokufuna amakhadi aneenkqubo zemivuzo, izaphulelo nezibonelelo ezikhethekileyo. Kule meko, kulungile ukuhlalutya iindleko ngenyameko ukuze uqiniseke ukuba izibonelelo ziyazithethelela iintlawulo.
Unokufanelekela ukufumana amakhadi anemida ephezulu nezibonelelo ezongezelelekileyo. Noko ke, kubalulekile ukuvavanya ukuba uyazifuna ngokwenene na ezo zibonelelo okanye ziza neendleko ezingeyomfuneko.
Abantu abaninzi bagxila kuphela kwinzala, kodwa eyona nto ibalulekileyo ziiNdleko ePheleleyo zezeMali (CFT). Esi salathisi siquka:
Inzala
Iikhomishini
Imirhumo yokugcina ikhadi
I-inshorensi nezinye iintlawulo ezongezelelekileyo
Ukuthelekisa i-CFT phakathi kokhetho olwahlukeneyo kuya kukunceda wenze isigqibo esingcono.
Ngaphambi kokuthumela isicelo sakho, qinisekisa ukuba:
Unawo onke amaxwebhu afunekayo
Iinkcukacha zakho aziphelelwa lixesha
Ubale ukuba ungakwazi kangakanani ukuhlawula ngenyanga
Uwehlisile amatyala angekahlawulwa ukuba kunokwenzeka
Kwakhona, kuphephe ukuthumela izicelo ezininzi ngaxeshanye. Oku kunokubonwa njengophawu lomngcipheko kuze kunciphise amathuba okuba isicelo sakho samkelwe.
Ukuba ufuna kungekuphela nje ukuba isicelo sakho samkelwe, kodwa nokuba unikwe umda olungileyo, qwalasela la macebo:
Gcina ukusetyenziswa kwetyala onalo ngoku kusezantsi
Hlawula ngexesha lonke
Kuphephe ukuba neentlawulo ezilibazisekileyo zakutshanje
Bonisa ukuba unengeniso engaphezu kweyona incinane ifunekayo
Iprofayili yezemali elungeleleneyo ibonisa ukuba unokuthenjwa yaye inokukunceda ufumane imiqathango engcono.
Ukufumana ikhadi sisiqalo nje. Ukuqinisa imbali yakho yetyala nokufikelela kwiimveliso ezingcono kwixesha elizayo:
Sebenzisa ngaphantsi kwe-30 % yomda wetyala okhoyo
Hlawula yonke imali oyityalayo ngokwengxelo yekhadi xa kunokwenzeka
Kuphephe ukushiya intsalela yetyala ngokuhlawula ubuncinane obufunekayo kuphela
Lawula iindleko zakho nyanga zonke
Ukusebenzisa ikhadi ngenkathalo akupheleli nje ekuthinteleni inzala ephezulu; kukwaphucula iprofayili yakho yetyala ekuhambeni kwexesha.
Kuxhomekeke ekubeni uyakwazi kangakanani ukuzilungelelanisa. Ukuba namakhadi angaphezu kwelinye kunokukunceda ufumane iintlobo ngeentlobo zezibonelelo uze unyuse umda wakho wetyala uwonke okhoyo. Kodwa ukuba awuzilawuli kakuhle iintlawulo zakho, oko kunokuba yingxaki.
Eyona nto icetyiswayo kukuqala ngekhadi elifanele iprofayili yakho, uze emva kokubonisa ukuziphatha kakuhle kangangeenyanga eziliqela uvavanye ezinye iindlela.
Ukufaka isicelo sekhadi lekhredithi eArgentina akufanele kube sisigqibo esenziwa ngokungxama. Sisixhobo sezemali esinokukunceda ulungelelanise iindleko, uxhase ngezimali izinto ozithengayo kwaye wakhe imbali yekhredithi eyomeleleyo, ukuba usisebenzisa kakuhle.
Umahluko phakathi kokuhlawula imali eninzi ngokungeyomfuneko nokusebenzisa izibonelelo ulele ekucwangciseni. Hlalutya imeko yakho, thelekisa iindleko zokwenene, lungisa isicelo sakho uze ulisebenzise ikhadi ngenkathalo. Ngale ndlela, akuyi kwandisa nje kuphela amathuba akho okuvunywa, kodwa uya kuphucula nemeko yakho yezemali kwixesha elide.