Indlela yokuchonga ezona zibonelelo zamakhadi etyala zibalaseleyo eMexico ngaphandle kokukhohliswa ziintengiso ezilahlekisayo

Izibonelelo zamakhadi etyala eMexico ziya zithengiswa ngamandla ngakumbi: iinyanga zokuhlawula ngezavenge ngaphandle kwenzala, akukho ntlawulo yonyaka, imbuyiselo yemali, amanqaku aphindwe kabini nokuvunywa ngokukhawuleza. Noko ke, asizizo zonke iintengiso eziluncedo ngokwenene. Ukwazi ukuchonga isibonelelo esihle kunokukongela amawaka ee-peso kwixesha elide.

Ukuba ufuna ukukhetha ngobulumko ungakhokelwanga ziintengiso kuphela, esi sikhokelo siya kukunceda uvavanye isindululo ngasinye ngokuchanekileyo.

Ukuqonda ukuba kuthetha ukuthini “unikezelo olungcono”

Unikezelo olungcono alusoloko lulolo luthembisa iinzuzo ezininzi, koko lolo lunolungelelwano olufanelekileyo phakathi kwezi zinto:

• Iindleko

• Imiqathango

• Iimfuno

• Iinzuzo zokwenene

• Ukuhambelana neprofayile yakho yezemali

Ngaphambi kokukhangela izibonelelo, kufuneka ucacelwe yinjongo yakho: Ngaba ufuna ukwakha imbali yakho yamatyala? Ukuxhasa ngemali izinto ozithengayo? Ukuqokelela imivuzo? Ukunciphisa iindleko?

Ngaphandle kwenjongo ecacileyo, naluphi na unikezelo lunokubonakala lunomtsalane.

Qala ngokuhlalutya iindleko, uze emva koko ujonge iinzuzo

Abantu abaninzi benza impazamo yokugxila kuphela kwimivuzo baze balibale ukujonga iindleko.

CAT (Iindleko Zizonke Zonyaka)

I-CAT sesona salathisi sibalulekileyo. Iquka inzala, iikhomishini nezinye iintlawulo. Nangona ikhadi linokubonelela ngeenzuzo ezinomtsalane, ukuba i-CAT iphezulu kwaye awuyihlawuli yonke imali oyityalayo nyanga nganye, uya kugqibela uhlawula imali eninzi kakhulu.

Soloko uthelekisa i-CAT phakathi kweendlela ezahlukeneyo.

Izinga lenzala

Ukuba uceba ukuxhasa ngemali izinto ozithengayo, jonga izinga lenzala lonyaka. Nokuba umahluko mncinane unokuba nefuthe elikhulu xa ushiya imali eseleyo ingahlawulwanga.

Umrhumo wonyaka neekhomishini

Amanye amakhadi awabizi mrhumo wonyaka kunyaka wokuqala, kodwa aqale ukuwubiza kunyaka wesibini. Amanye abiza iikhomishini xa ikhadi litshintshwa, xa kutsalwa imali ezinkozo okanye ngeenkonzo ezongezelelweyo. Funda iinkcukacha ngaphambi kokuba wenze isigqibo.

Jonga ixesha lokusebenza kwezibonelelo

Izibonelelo ezininzi zinemigaqo ethile efana nale:

• Iinzuzo ezisebenza kuphela kwiivenkile ezithile

• Umda ophezulu wemali ebuyiswayo

• Iinyanga ezingenanzala ngamaxesha athile kuphela

• Iibhonasi ezixhomekeke kwinkcitho encinane efunekayo

Unikezelo olulunge ngokwenene kufuneka luzinze ekuhambeni kwexesha, lungabi nomtsalane kwinyanga yokuqala kuphela.

Vavanya ukuba kulula na ukufumana imvume

Unikezelo oluhle aluncedi nto ukuba awukwazi ukulufumana. Ngaphambi kokufaka isicelo, hlalutya:

• Ubuncinane bomvuzo ofunekayo

• Ixesha lomsebenzi elifunekayo

• Uhlobo lobungqina bomvuzo olufunekayo

• Inqanaba lembali yamatyala elifunekayo

Ukukhetha ikhadi elifanele iprofayile yakho kwandisa amathuba okufumana imvume kwaye kuthintele ukwaliwa okunokuchaphazela imbali yakho yamatyala.

Qwalasela umda wokuqala kunye nemigaqo yokuwunyusa

Amanye amakhadi aqala ngemida ephantsi kodwa avumela ukuba inyuswe ngokuzenzekelayo xa uye wawasebenzisa kakuhle. Amanye agcina imida ephantsi ixesha elide.

Ukuba uceba ukuthenga izinto ezinkulu, qinisekisa ukuba likho ngenene ithuba lokunyusa umda wakho wetyala ekuhambeni kwexesha.

Musa ukukhokelwa sisithembiso “semvume ekhawulezileyo”

Izibonelelo ezithembisa imvume ekhawulezileyo zinokuba nomtsalane, kodwa kubalulekile ukuhlola imiqathango ehamba nazo. Ngamanye amaxesha, ezi mveliso zinamazinga enzala aphezulu okanye iinzuzo ezimbalwa.

Isantya asisoloko sithetha ukuba lolona khetho lungcono.

Isicwangciso esinobulumko sokuthelekisa izibonelelo

Ukuze ukhethe kakuhle, landela le ndlela ilula:

1. Chaza injongo yakho ephambili.

2. Khetha iindlela ezintathu okanye ezine ezihambelana neprofayile yakho.

3. Thelekisa i-CAT, umrhumo wonyaka nezinga lenzala.

4. Hlola iinzuzo zokwenene nemiqathango.

5. Vavanya iimfuno namathuba okufumana imvume.

6. Faka isicelo kuphela kolona khetho lunolungelelwano olungcono.

Ukuphepha ukufaka izicelo ezininzi ngexesha elifutshane kukhusela imbali yakho yamatyala.

Indlela yokwazi ukuba unikezelo lukulungele ngenene

Unikezelo lukulungele xa:

• Ungayihlawula yonke imali oyityalayo nyanga nganye ngaphandle kobunzima.

• Iinzuzo zilingana neendleko.

• Alithathi ngaphezu kwe-30 % yomvuzo wakho wenyanga.

• Luhambelana nendlela ophila ngayo nemikhwa yakho yokuthenga.

Ukuba ikhadi likunyanzela ukuba uchithe imali engaphezu kwaleyo ubuya kuyichitha ngokwesiqhelo, ukuze nje ufumane iinzuzo, mhlawumbi ayilolona khetho lungcono.

Emva kokukhetha unikezelo olufanelekileyo

Wakuba ufumene eyona ndlela ikulungeleyo:

• Lisebenzise ngobuchule.

• Hlala uhlawula ngaphambi komhla wokugqibela.

• Kuphephe ukushiya ityala lakho lihlawulwa ngentlawulo encinane kuphela.

• Jonga intshukumo yeakhawunti yakho rhoqo.

Ukulisebenzisa kakuhle kuya kukuvumela ukuba ufumane izibonelelo ezingcono kwixesha elizayo kwaye kuphucule iprofayile yakho yezemali.

Iingcinga zokugqibela

Ukufumana ezona zibonelelo zilungileyo zamakhadi etyala eMexico kufuna uhlalutyo nokuzibamba. Musa ukutsalwa ziintengiso ezitsala amehlo kuphela. Vavanya iindleko zokwenene, imiqathango nemeko yakho yezemali yangoku.

Ikhadi elikhethwe kakuhle linokuba sisixhobo esinamandla sokulungelelanisa iimali zakho nokusebenzisa amathuba. Umahluko kukuthelekisa ngaphambi kokwenza isigqibo.