Indlela yokufaka isicelo samakhadi esikweletu angcono kakhulu e-Argentina

Ukufaka isicelo sekhadi lesikweletu e-Argentina kungaba yithuluzi elinamandla lokuthuthukisa isimo sakho sezezimali uma ukwenza unolwazi futhi uhlele kahle. Nokho, abantu abaningi bafaka izicelo zamakhadi bengacabangisisanga ukuthi ayahambisana yini nesimo sabo, bagcine sebebhekene nezindleko eziphakeme noma bethola izinzuzo abangazisebenzisi. Kulesi sihloko sikuchazela ngokucacile nangendlela ewusizo ukuthi ungawakhetha futhi uwafakele kanjani izicelo amakhadi esikweletu angcono kakhulu ahambisana nesimo sakho, ukhulise amathuba akho okugunyazwa futhi uthole imigomo evuna wena kakhulu.

Kungani kubalulekile ukukhetha kahle ikhadi lesikweletu?

Ikhadi lesikweletu alisilo nje ipulasitiki yokukhokhela okuthengayo. Liyithuluzi lezezimali elingakusiza wakhe umlando wesikweletu, uthole uxhaso lokukhokha ngezitolimende ezingenanzalo, uthole izinzuzo ezengeziwe futhi uphathe kangcono izindleko zakho zansuku zonke. Kodwa uma ungalisebenzisi ngokuzibophezela, lingakufaka nasezikweletini ezibizayo futhi lithinte ikhono lakho lokuthola isikweletu esikhathini esizayo. Ngakho-ke, kubalulekile ukulikhetha kahle kwasekuqaleni.

Yazi isimo sakho sezezimali samanje

Ngaphambi kokufaka isicelo sekhadi, qala ngokuhlola ngokwethembeka impilo yesimo sakho sezezimali.

Umlando wesikweletu

Umlando wakho wesikweletu ungokunye kwezinto zokuqala ezihlolwa yizikhungo zezezimali lapho zibheka isicelo sakho. Uyirekhodi lendlela owaphatha ngayo izibopho zakho zezezimali esikhathini esidlule. Umlando oqinile ongenakho ukusilela emuva ekukhokheni uwathuthukisa kakhulu amathuba akho okugunyazwa futhi ungakusiza uthole imigomo engcono.

Uma uthola ukuthi unamarekhodi angemuhle noma imibiko engasavuselelwe, kungcono usebenzele ukulungisa isimo ngaphambi kokufaka isicelo sekhadi elisha.

Imali engenayo nomsebenzi ozinzile

Esinye isici esibalulekile ukukhombisa ukuthi unemali engenayo ezinzile. Izikhungo eziningi zidinga ubufakazi bomsebenzi osemthethweni, ubufakazi bemali engenayo noma imibhalo eqinisekisa ukuthi uyakwazi ukukhokha. Lokhu akusho ukuthi kudingeka ube nomsebenzi ojwayelekile: ungafakazela nokuthi uthola imali ngokusebenza ngokuzimela, inqobo nje uma ungaveza ubufakazi obucacile.

Ukuba nemali engenayo ezinzile neqinisekiswayo akusizi nje kuphela ekutholeni imvume, kodwa kungakusiza nokuba uthole umkhawulo wesikweletu ophakeme kusukela ekuqaleni.

Qhathanisa izindleko nezinzuzo

Akuwona wonke amakhadi esikweletu afanayo. Ngaphambi kokufaka isicelo, kubalulekile ukuqhathanisa izici ezihlukahlukene ukuze wazi ukuthi yiliphi elihambisana kangcono nezidingo zakho.

Izindleko Zezimali Eziphelele (CFT)

Izindleko Zezimali Eziphelele ziyisilinganiso esifaka zonke izindleko ezihlobene nekhadi: inzalo, amakhomishini, imishwalense nezinye izinkokhiso. Ungabheki izinga lenzalo elivamile kuphela, ngoba lingakudukisa. I-CFT ikunikeza isithombe esiphelele sezindleko zangempela zokusebenzisa ikhadi.

Izinzuzo nezinhlelo

Amakhadi angcono kakhulu avame ukunikeza izinzuzo ezengeziwe njengezinhlelo zamaphuzu, izaphulelo ezitolo, ukufinyelela kumaphromoshini akhethekile noma ukukhokha ngezitolimende ezingenanzalo. Hlola ukuthi lezi zinzuzo ziyahambisana yini nemikhuba yakho yokusebenzisa imali, ngoba akusizi ukuba nezinzuzo ongeke uzisebenzise.

Imikhawulo nokuguquguquka

Umkhawulo wesikweletu wokuqala kanye nethuba lokuwukhulisa ngokuhamba kwesikhathi nakho kubalulekile. Amanye amakhadi anikeza imikhawulo ephansi ekuqaleni, kodwa avumela ukuthi ikhushulwe ngokuzenzakalelayo uma uziphatha kahle ngokwezezimali. Lokhu kungaba usizo uma wakha umlando wakho wesikweletu.

Khetha uhlobo lwekhadi olufanele

E-Argentina kunezinhlobo ezihlukahlukene zamakhadi ezihambisana nezidingo nezimo ezahlukene.

Amakhadi alabo abasaqalayo

Ngokuvamile kuba lula ukuthola imvume yala makhadi kulabo abasaqala ukwakha umlando wesikweletu noma abangenayo imali engenayo esemthethweni ephezulu. Imikhawulo yokuqala ivame ukuba phansi, kodwa ayindlela enhle yokuqala nokukhombisa ukuthi uwasebenzisa kahle.

Amakhadi anezinzuzo ezisezingeni eliphakathi

Anikeza izinhlelo zamaphuzu, izaphulelo noma ezinye izinzuzo. Adinga umlando wesikweletu oqinile, kodwa anezinzuzo ezinkulu uma uwasebenzisa ngendlela ehleliwe.

Amakhadi ezinga eliphezulu

Anikeza izinzuzo ezibanzi njengemishwalense, ukufinyelela kumaphromoshini akhethekile noma izinzuzo zokuhamba. Adinga umlando omuhle wesikweletu nemali engenayo ephakeme, ngakho kuba nzima ukuwathola kulabo abasanda kuqala.

Indlela yokulungiselela isicelo esiyimpumelelo

Ukuze wandise amathuba okugunyazwa futhi uthole imigomo engcono, landela lezi zinyathelo ngaphambi kokufaka isicelo:

1. Hlola umlando wakho namaphuzu esikweletu

Ngaphambi kokufaka isicelo, hlola umlando wakho wesikweletu futhi uqinisekise ukuthi awekho amaphutha noma amarekhodi angakulimaza. Uma kukhona ulwazi olungeluhle, sebenzela ukululungisa noma ukulungisa isimo.

2. Hlela imibhalo

Lungiselela yonke imibhalo edingekayo: umazisi osemthethweni, ubufakazi bemali engenayo, izikweletu zezinsiza noma obunye ubufakazi obungase bufunwe yisikhungo. Ukuba nakho konke ngomumo kwenza ukuhlolwa kusheshe.

3. Bala ukuthi ungakwazi ukukhokha malini

Hlaziya imali engenayo nezindleko zakho zanyanga zonke ukuze wazi ukuthi yimalini ongayibekela ukukhokhela ikhadi ngaphandle kokubeka uzinzo lwakho lwezezimali engcupheni. Khumbula ukuthi kutuswa ukukhokha yonke imali esesitatimendeni sekhadi njalo ngenyanga ukuze ugweme inzalo ephezulu.

4. Gwema ukufaka izicelo eziningi ngesikhathi esisodwa

Ukufaka izicelo zamakhadi esikweletu amaningi ngesikhathi esisodwa kungawuthinta kabi umlando wakho futhi kunciphise amathuba okugunyazwa. Khetha ngokucophelela ikhadi elilodwa noma amabili, bese ulinda imiphumela ngaphambi kokuzama amanye.

Ukusebenzisa ikhadi ngokuzibophezela ngemva kokugunyazwa

Umsebenzi awupheli lapho ikhadi seligunyaziwe. Ukulisebenzisa ngokuzibophezela kubalulekile ukuze wakhe umlando omuhle futhi uthole imigomo engcono esikhathini esizayo.

Khokha njalo ngesikhathi, gwema ukusebenzisa ngaphezu kuka-30 % womkhawulo wakho otholakalayo, futhi uhlole izitatimende zakho njalo ukuze ugweme izinkokhiso obungazilindele. Ukuziphatha kahle ngesikweletu kuzokusiza ukufaka izicelo zamakhadi anezinzuzo ezingcono nemikhawulo ephakeme esikhathini esizayo.

Isiphetho

Ukufaka isicelo sekhadi lesikweletu e-Argentina kungaba yisinqumo esihle kakhulu sezezimali uma kwenziwa ngokuhlela nangolwazi. Hlola isimo sakho samanje, qhathanisa izindleko nezinzuzo, khetha uhlobo lwekhadi olufanele isimo sakho futhi ulungiselele isicelo sakho ngokucophelela. Ukulisebenzisa ngokuzibophezela ngeke kukusize nje kuphela ukuba uthole imvume, kodwa kuzokuvumela nokuba usebenzise ngokugcwele izinzuzo zalo futhi uqinise isimo sakho sezezimali esikhathini eside.