Inqubomgomo yesikweletu: incazelo, umsebenzi, ukubaluleka nokunye

La inqubomgomo yesikweletu kuyinzuzo bonke abantu abangayithola njengosizo ngezikhathi zesidingo, kudinga ukwazi ukusebenza kwayo, izinhlobo zokusetshenziswa, ukubaluleka namanye amaphuzu azochazwa ngokuningiliziwe esihlokweni esilandelayo.

inqubomgomo yezikweletu-2

Ithuluzi elisetshenziswa ngokushesha amaklayenti akho

Ithini inqubomgomo yezikweletu?

Mayelana nokuthi yini inqubomgomo yezikweletu Kuyithuluzi lomnyakazo wezezimali lapho inkampane yasebhange inika inkampani inzuzo yokuthola isikweletu, esinomkhawulo ezindlekweni kanye nesikhathi sokukhansela. Uma kukhonjiswa ukuthi iyini inqubomgomo yezikweletu, akubhekiselwa emalini ebolekiwe, ngoba iyimisebenzi yezezimali eyahlukene.

Uma kukhulunywa ngenqubomgomo yezikweletu, kubalula ukuba nemali esheshayo lapho kufinyelelwa khona isivumelwano sokuyisebenzisa futhi uma ufuna ukuyibuyisela, kungenziwa phakathi komnyakazo wama-akhawunti nokuvumelana kwemibandela yokukhokha yonyaka noma ngaphezulu; kuyilapho imali ebolekiwe inemibandela ehlukene yezindleko ezithile zemvelo enkulu, enezikhathi ezibekiwe ezifika eminyakeni engama-20.

Ikhredithi noma ebizwa nangokuthi indlela yokuthenga ngesikweletu wuhlelo lwezezimali lapho iklayenti (umbolekisi) ethola imali mboleko yenani elishiwo komunye umuntu (okweletayo) noma ibhange phakathi kwabanye ababolekisi; umbolekisi uphoqelekile ukubuyisela inani lemali eceliwe kanye nokukhanselwa kwenzalo ekhiqizwayo, umshuwalense nezinye izindleko ezisungulwe phakathi nengxoxo zifakiwe.

Ibhizinisi lasebhange, ngemva kokwenza izibalo ze-akhawunti, livumela ukutholakala kwenani lemali, lapho lingasetshenziswa khona kuphela kuze kufike kulowo mkhawulo; Kusukela ngaleso sikhathi, kokubili inzalo kulelo nani lomkhawulo kanye nebhalansi yenani elivunyelwe kuzokhanselwa. Lezi zinqubo zixhunywe nge-akhawunti yamanje, ebizwa nangokuthi i-akhawunti yekhredithi.

Leli thuluzi lezezimali lifanelekile ukuze likwazi ukumboza zonke izinhlobo zesibopho noma isidingo semali kokubili esikhathini esifushane nesimaphakathi; izinkokhelo zenzalo zingenziwa njalo ngekota, kusetshenziswa iphesenti elibaluliwe enani elijwayelekile lomkweleti lenkathi emisiwe; kulesi senzakalo lokho okuhambisana nenani lesikweletu lapho amakhomishini ahlukene angase abe umphumela wenzalo engalinganiselwe.

Kudingeka ukuqapha lolu hlobo lwekhredithi ukuze kungabikho ukweqisa ekusebenzeni, kodwa uma lokhu kweqisa kuqinisekiswa inkampane, inzalo yekhredithi ivame ukuba phezulu kakhulu.

Izinkampani zamabhange zinikeza amathuluzi ahlukene okuxazulula izimo zomnotho zezikhungo noma abantu ngabanye.

Uma ufuna ukwazi okwengeziwe mayelana nezibopho zomnotho ezinikezwa amabhange, sincoma ukuthi ufunde isihloko sethu ku Amakhredithi ebhange.

Izici zenqubomgomo

Kunqubomgomo yezikweletu kunezinto ezintathu ezibalulekile okufanele zibhekwe; Ikhephithali ethandekayo noma isikhathi, inani eliphakeme elingatholwa esicelweni kanye nomehluko esikhathini esihluka ngaso kuye ngokwesikhathi sokukhokha, izinga lenzalo kanye nengqikithi yokuqukethwe kwesikweletu.

Njengengxenye yesibili, ukuphelelwa yisikhathi, isikhathi okufanele uqondise futhi ubuyisele imali; Lolu hlobo lwekhredithi aludluli unyaka owodwa, nokho, uma inkampani ibonisa izimo ezinhle, isikhathi eside singathengiswa ukuze inqubomgomo yesikweletu ihlale isebenza, ngakho-ke indlela igcinwa njalo ngonyaka.

Amakhomishini nezibonelo zenzalo, wonke amathuluzi ezezimali anekhomishini futhi enza inzuzo ehlobene namanye, inqubomgomo inochungechunge lwezindleko oluhlotshaniswayo ngendlela yamanani.

  • ikhomishini yokuqala; Isho inani lemali abayigodlayo ukuze baqalise noma bavule i-akhawunti yekhredithi.
  • Ikhomishini Yokutholakala; ibe nenzuzo yokuphatha inani lemali, iqoqo lenziwa ngephesenti elivame ukuba ngaphansi kwenani elizosetshenziswa.
  • Inzalo yemali yehlisiwe; izinsiza ezizokhanselwa yimali esetshenzisiwe.
  • Inzalo yeqiwe; lezo zinsiza ezikhiqizwa ngesikhathi lapho inani eliphelele okuvunyelwene ngalo lidluliwe, kuyikhomishini ephezulu kakhulu, kufanele uqaphele kakhulu kulokhu.

Asebenza kanjani?

Ngaphambi kwanoma yisiphi isicelo senqubomgomo yesikweletu, kuyadingeka ukuthi ikhasimende libe nolwazi ngezincomo zokusebenzisa ithuluzi lezezimali elishiwo, ububi bazo kanye nokunye; Ngaphakathi kwalezi zincomo kanye nokusetshenziswa sithola:

  • Ungakhohlwa ukuthi bangaba namakhomishana okuthwasa nawokufunda njengombhangqwana.
  • Izinqubomgomo zezikweletu zine-akhawunti yamanje ehlangene, nokho, ukusetshenziswa kwazo kuyasebenza uma kuxhunywe kuleyo akhawunti ngoba kuncike ezinzuzweni ezinikezwa yinhlangano yezezimali, okunikeza ithuba lenhlalakahle ezinhlanganweni eziziphethe.
  • Ukusetshenziswa kwaleli thuluzi lezezimali okwesikhathi esifushane, ngemibandela engasukela phakathi kwezinyanga eziyisithupha neminyaka emibili; Ngokuya ngezinqubo, zingashintshwa ngokuzijwayeza ezinkambisweni zesikhathi eside ngemibandela enwetshiwe ngaso leso sikhathi.
  • Ukukhanselwa kwalezi nzalo kwenzeka njalo ngekota, kusetshenziswa inzalo eshiwo esilinganisweni sebhalansi yobuhlongandlebe yomjikelezo obaluliwe, kulokhu okunikezwayo enani lesikweletu kanye nangesikhathi esifanayo namakhomishini enzalo engadonswanga.
  • Gada eduze ukuze kungabikho ukweqisa emandleni, ngoba uma beqeqeshwa bazothola amakhomishini aphezulu kanye nezici ezithakazelisayo.

Ukusetshenziswa kwenqubomgomo

Phakathi nesigaba sokunethezeka nobunzima bamabhange, inqubomgomo yezikweletu bekuyiyona ndlela yokuxhasa ngemali esezingeni eliphezulu, egqugquzela isikweletu esingadingeki ezinkampanini. Manje izinkampani ziphoqelekile ukuthi ziguqule leli zinga lemalimboleko yebhizinisi libe ngelinengqondo nelizuzisa kakhulu lesikhathi eside; izibopho zengcebo eqondile.

Akunconywa ukusebenzisa inqubomgomo ukuhlinzeka ngempahla engashintshi, ukunikezela ngokuthengwa kwamasistimu ekhompyutha, izimoto, nokunye; ukuhlinzeka ngezidingo zokuphatha, isibonelo ngesikhathi sokucela inqubomgomo ukuthi ixhase ukungena nokungena nokuphuma kwemali, ngemva kokukhokha amaholo kanye nezindleko zabahlinzeki; ezezimali lapho amakhasimende engakhokhi ngesikhathi esimisiwe.

izinqubomgomo zezikweletu zezinkampani

Inqubomgomo yezikweletu ihloselwe izinkampani ezilinganisa amanani ezezimali aphakathi nendawo neziphezulu ezikwaziyo ukukhombisa ukuthi zikhokhela kangakanani, ezineziqinisekiso ezingeziwe ezifanele; Njengoba ikhuluma ngokushelelayo, iqinisa ucwaningo ngobungozi benkampani kanye nesigaba sayo. Maqondana nekhava, noma yikuphi ukuhlotshaniswa nezidingo zemali mboleko yemali yokusebenza kungakhetha inqubomgomo yesikweletu ukuyikhokhela.

Leli thuluzi lezezimali lingahlelwa ngesikhulu sikahulumeni noma ngesivumelwano sangasese, nokho kuhle ukusethula phambi kwe-notary; Ngokunjalo, kwinkontileka ingenziwa ngendlela evulelekile, ngale ndlela ayidingeki ukuthi isiza isisebenzi esisemthethweni lapho kuvuselelwa unyaka ngamunye, noma kubhekiselwa esikhathini esivaliwe, ukuze lapho umugqa wesikweletu. iphelelwa yisikhathi izokhanselwa ngakho-ke kuyadingeka ukuvula ulayini omusha.

Ukuze kubalwe izindleko zangempela neziphelele zenqubomgomo yesikweletu, zonke izici ezibamba iqhaza futhi zingenelele ngokuqondile nangokungaqondile kufanele zicatshangelwe, kanye nezindleko ezikhiqizwayo ngokuya ngokuthi idokhumenti iyadingeka yini ukuze ibhaliswe, izinga lenzalo, uma kwenzeka kuvuselelwa, phakathi kokunye okuguquguqukayo okungase kuvele kuye ngecala.

Zonke izinkampani zenza inqubo yokuhlola izinhlelo zazo zomnotho kanye neqiniso lezezimali ukuze zithathe izinyathelo uma kuba nanoma iyiphi inkinga.Sincoma ukuthi ufunde mayelana uhlelo lwezezimali lwenkampani.

Ukubaluleka

Leli thuluzi lezezimali likuvumela ukuthi uhambele noma yikuphi okwenzekayo ngezindleko eziphansi uma kuqhathaniswa nemalimboleko yomuntu siqu; Kanjalo, azithwali izikweletu ngoba azinawo umkhawulo wokuqoqwa okungadala ingcindezi ngokuhamba kwesikhathi.

Ibhizinisi lasebhange lihlola ukusebenza kwezomnotho kwenkampani ukuze likwazi ukubala ikhomishini ehambisana nokukhansela ukuze iqhathanise nesiqinisekiso esivezwayo ukuthi sibuyiswe noma cha. Okunye okuhlukile isikweletu esingakhiqizi inzalo, njengoba kukhokhwa kuphela imali etholakalayo kanye nenzalo encane yenyanga noma ikota, ehambisana no-0,02%.

Umsebenzi walolu hlobo lwenqubomgomo uyafana nalowo we-akhawunti yokuhlola, ovumela ukungena nokuphuma kwemali uma kufaneleka. Ububi balesi sibonelo senzuzo yezezimali inzalo ephezulu ekhiqizwayo uma kwenzeka umkhiqizo usetshenziswa kabi; abaningi bayayicela ukuze bayijabulele kodwa akuthathi isikhathi eside ngaphambi kokuthi bafune ukuyiletha.


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