Ukufaka isicelo sekhadi lesikweletu e-Argentina kungakuvulela amathuba amaningi ezezimali: ukukhokha ngezitolimende ezingenanzalo, ukuthenga ku-inthanethi, izipesheli ezikhethekile nokwakha umlando wesikweletu. Nokho, ukukhetha kabi kungasho ukukhokha izindleko eziphezulu noma ukubhekana nokwenqatshwa okungadingekile.
Uma ufuna ukwandisa amathuba akho okugunyazwa nokuthola imigomo engcono kusukela ekuqaleni, udinga isu. Kulo mhlahlandlela sichaza ukuthi ungakwenza kanjani isinyathelo ngesinyathelo.
Elinye lamaphutha avame kakhulu ukufaka isicelo sekhadi lokuqala elivelayo, ngaphandle kokuhlaziya izimfuneko, izindleko noma ukuthi liyahambisana yini nesimo sezimali somuntu. Lokhu kungaholela kulokhu:
Ukwenqatshwa okuthinta umlando wakho wesikweletu
Imikhawulo yesikweletu ephansi kakhulu
Izindleko eziphakeme zezimali
Izinzuzo ezingahambisani nendlela osebenzisa ngayo imali
Okubalulekile akukhona ukufaka izicelo zamakhadi amaningi, kodwa ukufaka isicelo sekhadi elifanele.
Izikhungo zezimali zihlaziya kakhulu izinto ezintathu:
Indlela obuphathe ngayo izimali zakho esikhathini esidlule iyisici esinqumayo. Uma ukhokhe imali oyibolekile noma izikweletu zezinsizakalo ngesikhathi, isimo sakho sizobukeka sithandeka kakhulu. Uma kunezinkokhelo ezibambezelekile, kuhle ukuzilungisa ngaphambi kokufaka isicelo sekhadi elisha.
Imali engenayo engaqinisekiswa ithinta kokubili ukugunyazwa nomkhawulo onikezwayo. Uma umthombo wakho wemali engenayo uzinzile ngokwengeziwe, ayanda amathuba akho okuthola imigomo engcono.
Uma usuvele unezikweletu ezisasebenza noma usebenzisa ingxenye enkulu yemikhawulo yakho etholakalayo, isikhungo singacabanga ukuthi ikhono lakho lokukhokha lisengcupheni.
Akuwona wonke amakhadi afanayo. Ukukhetha kahle kuncike esimweni sakho samanje.
Amakhadi ayisisekelo noma alungele abasanda kuqala ngokuvamile anezimfuneko ezifinyeleleka kalula. Alungele ukwakha umlando wesikweletu. Ngisho noma umkhawulo wokuqala uphansi, ungakhushulwa uma ulisebenzisa kahle.
Ungafaka isicelo samakhadi anezinhlelo zemiklomelo, izaphulelo nezipesheli. Kulokhu, kuhle ukuhlaziya izindleko ngokucophelela ukuze uqinisekise ukuthi izinzuzo zidlula izinkokhelo ezikhokhiswayo.
Ungase ukwazi ukuthola amakhadi anemikhawulo ephakeme nezinye izinzuzo. Nokho, kubalulekile ukuhlola ukuthi uyazidinga ngempela yini lezo zinzuzo noma zidala izindleko ezingadingekile.
Abantu abaningi bagxila kuphela ezingeni lenzalo, kodwa okubaluleke kakhulu Izindleko Zezimali Eziphelele (CFT). Lesi silinganiso sihlanganisa:
Inzalo
Amakhomishini
Imali yokunakekelwa kwekhadi
Umshwalense nezinye izindleko ezengeziwe
Ukuqhathanisa i-CFT yezinketho ezahlukene kuzokusiza uthathe isinqumo esihlakaniphile.
Ngaphambi kokuthumela isicelo sakho, qinisekisa ukuthi:
Unawo wonke amadokhumenti adingekayo
Uyaqinisekisa ukuthi imininingwane yakho siqu isesikhathini
Ubala ikhono lakho lokukhokha nyanga zonke
Wehlisa izikweletu ezisalele uma kungenzeka
Futhi, gwema ukuthumela izicelo eziningi ngesikhathi esisodwa. Lokhu kungabhekwa njengophawu lwengozi futhi kunciphise amathuba akho okugunyazwa.
Uma ufuna ukugunyazwa futhi unikezwe nomkhawulo omuhle, cabanga ngala masu:
Gcina ukusetshenziswa kwemikhawulo yakho yesikweletu yamanje kuphansi
Khokha njalo ngesikhathi
Gwema ukuba nezinkokhelo ezibambezelekile muva nje
Bonisa imali engenayo engaphezu kobuncane obudingekayo
Isimo sezimali esihlelekile siveza ukwethenjwa futhi singaholela emigomeni engcono.
Ukuthola ikhadi kuyisiqalo nje. Ukuze uqinise umlando wakho futhi uthole imikhiqizo yezezimali engcono esikhathini esizayo:
Sebenzisa ngaphansi kuka-30 % womkhawulo otholakalayo
Khokha yonke imali eshiwo esitatimendeni sakho uma kungenzeka
Gwema ukukhokha inani elincane kuphela ngokulixhasa ngesikweletu
Hlola izindleko zakho njalo ngenyanga
Ukusebenzisa ikhadi ngendlela efanele akugcini nje ngokugwema inzalo ephezulu, kodwa futhi kuthuthukisa isimo sakho sesikweletu ngokuhamba kwesikhathi.
Kuncike ekutheni ukwazi kangakanani ukuhlela. Ukuba namakhadi angaphezu kwelilodwa kungakusiza uthole izinhlobo ezahlukene zezinzuzo futhi wandise umkhawulo wakho ophelele otholakalayo. Kodwa uma ungazilawuli kahle izinkokhelo zakho, kungaba yinkinga.
Okutuswa kakhulu ukuqala ngekhadi elifanele isimo sakho bese kuthi, ngemva kokubonisa ukuziphatha okuhle izinyanga ezimbalwa, uhlole ezinye izinketho.
Ukufaka isicelo sekhadi lesikweletu e-Argentina akufanele kube yisinqumo esithathwa ngokuxhamazela. Leli yithuluzi lezezimali, futhi uma ulisebenzisa kahle, lingakusiza ukuhlela izindleko, ukukhokhela okuthengayo kancane kancane nokwakha umlando oqinile.
Umehluko phakathi kokukhokha imali eningi ngokweqile nokuzuza ezinzuzweni usekuhleleni. Hlaziya isimo sakho, qhathanisa izindleko zangempela, lungiselela isicelo sakho futhi usebenzise ikhadi ngokuzibophezela. Ngaleyo ndlela, ngeke nje wandise amathuba akho okugunyazwa, kodwa uzothuthukisa nesimo sakho sezezimali sesikhathi eside.