Imali kunikezelo - ntoni na?

Kwiminyaka yakutshanje, ukuthenga kwi-intanethi iya isiba ngakumbi zithandwa ngakumbi. Ngokuqhelekileyo, inxulunyaniswa engatsho, kuba umthengi nomthengisi loo nto sazana - bangakholwanga babone! iindlela ezahlukileyo intlawulo kunye nonikezelo kuvumela enye ekhuselekileyo okanye zombini batyalayo. Namhlanje makhe sithethe ngale ndlela intlawulo yemali kunikezelo. Le indlela yokubhatala luyingenelo kwaye ukhuselekile kuzo zombini umthengisi kunye nabathengi.

Yintoni COD? Le iimpahla umthengi kuphela emva kokuba asiwe kwidolophu yakhe yokugcina inkonzo yekhuriya, okanye kwi-ofisi yeposi. Kulo mzekelo, umthengi unelungelo lokwala ukufumana impahla ngaphandle ngokuhlawula kubo. Kwelinye icala, ibiya kuthetha ukuba kulo mzekelo, ukuthumela iimpahla nge cash on kwezidingo inzuzo kwaye kuyingozi umthengisi, kodwa ayikho. Ngapha koko, umthengisi uya kufumana impahla yakhe emva, kunye nelahleko yakhe iya kuncitshiswa ukuba uhlawula kuphela iinkonzo inkonzo yekhuriya. Kwelinye icala, umthengi unokuqiniseka ukuba uya kufumana impahla kumgangatho elungileyo epheleleyo, ngenxa yokuba uya kukwazi ukujonga isimo sayo phambi ngokuhlawula imali yokuthenga kunye nonikezelo.

Ngenxa yoko, intengiselwano enjalo yemali kunikezelo, uthabathe ngamahlakani amabini athatha inxaxheba (umthengi umthengisi) mnye nomlamli - inkonzo yekhuriya. Icebo bethenga ngolu hlobo lulandelayo: i-umthengi nomthengisi ukuba ucacise into yentengo, ixabiso, zokubopha kunye nemeko kwangaphambili uyavuma ukwenza intlawulo yemali kunikezelo. Emva koko, lo umthengisi uthumela iimpahla kwaye lilungelelanise inkonzo yekhuriya komamkeli. Kulo mzekelo, abuyele iimpahla ufumana isibhengezo, onombolo yakhe ingxelo kumthengi. Esi sibhengezo isebenza njengobungqina bokuba yekhuriya eneneni wafumana iimpahla kwaye linyanzelekile ukuba ukuhambisa ixesha ekuvunyelwene kumthengi ezikwimeko entle (xa befundisa, ibinzana angaphandle eyadlulayo - ibonakale ucwangco - sikwimeko entle ibonakale). Emva kokuba unikezelo wenziwe, umthengi uza le mbambano aze amxelele inombolo invoyisi, njengako abeza kuyamkela iimpahla ngexesha elifanayo eze namaxwebhu ezingqina iinkcukacha nobume bakhe. Emva kokufumana impahla nokutshekishwa ukuba zizaliswe ngokupheleleyo kunye nemeko iimpahla, esamkela okanye uyala ukuba ukuhlawulela izinto. Kuxhomekeke kwisigqibo sakhe ukuthumela umthengisi yekhuriya nokuba imali okanye impahla wabuya.

Ukusetyenziswa ezinjalo intlawulo njengemali kuhanjiso, omabini amacala akhabayo kunye navumelanayo. Kwelinye icala, ngokuqinisekileyo unako ukuthwala ukuthembeka ngaphezulu lokuhambisa umthengi, kuba oko ukuqinisekisa ukuba imveliso luyaziphumelela iimfuno zalo phambi kokuba uhlawule oko. Umthengisi nazo zikhuselwe kuba engazange kufuneka bathembele Ukunyaniseka umthengi njengoko inento yokwenza indlela 'intlawulo emva kokubeleka, ", yaye xa kuthe ukungaphumeleli umthengi leempahla ke kuya kufuneka uhlawule kuphela wenqwelwana kwempahla kwindawo umva.

Nakuba kunjalo, kufuneka ahlawule zonke. Imali kwi Delivery ngaphantsi kwezinye iindlela yentlawulo ezisebenzayo, ngokubhekiselele kwiindleko izibonelelo zemali: nxaxheba yekhuriya owenza iziqinisekiso kungokuvumelana ngumthengi kunye nomthengisi, Sibahlangule, kufuna intlawulo eyongezelelweyo processing. Noko ke, kuthathelwa ingqalelo into yokuba iindleko zeenkonzo yekhuriya ukulungiselela ukwenziwa kweemveliso eninzi akanakho ukufikelela elinye ekhulwini kwimali intengiselwano (umzekelo, ekuthengisweni khamera eliphezulu ngexabiso SLR), ezi ndleko kufuneka ngokucacileyo baqonde ngenxa ukhuselo kunye nokhuseleko zombini batyalayo. Eyona nto ibalulekileyo - ukufumana yekhuriya ethembekileyo kunye negama elihle, nto leyo eya unokuthenjwa omabini amacala.