Malunga ukubaluleka ukukwazi ukubala ngokuchanekileyo esibhedlele

Isimanga, kodwa nako umsebenzi ezimali ngandlel 'ithile kubizwa ngokuba onyaka. Ehlotyeni, abantu badla ukuthatha ikhefu kunye zingakhathaliyo omncinane ekufakeni kwelanga. I-zimali kufuneka ukubala kunye pre-ukulungiselela amaxwebhu ngenxa yokumpompoza nokuthengisa. Ebusika, abasebenzi baqala ukuba sigule endle, ukunyusa ubungakanani umsebenzi ekufuneka wenziwe "njengomgcini" (kufuneka khangela ikhefu lokugula anikwe nokulungiselela ekubaleni yokuhlawula esibhedlele). Kuba ingcali elungileyo akukho nzima. Abo oyiqondayo kuphela ukuphakama-mali, kufuneka siqonde ngokucacileyo ngokulandelelana yezenzo.

Phambi kokuba uqale yokubala esibhedlele, kufuneka wenze oku kulandelayo:

1. Qinisekisa ukuba siyafana kwifomu evunyiweyo kwaye zigcwaliswe ngaphandle kakuhle. Ngapha koko, imali yokuhlawula sheets sokukhubazeka ibalaselisa ingxowa-mali ye-inshorensi yoluntu, yaye akayi kuvumela ephule (ukuba, yosinda imfuduka kuya kufuneka ukulinganisa iindleko equity). izibalo elingafanelekanga esibhedlele kuya kuba 'thabatha' ukuba zincwadi emehlweni umqeshi.
2. Ukuba uxwebhu ingendlela, ngoko kufuneka sinikele ingqalelo ukuba akukho izizathu kukunciphisa isixa nezibonelelo ezihlawulwa umqeshwa (ukuba apelwa ngokucacileyo kwiSiqendu 8 lomThetho №255 ukususela 2006).
3. Kufuneka ufumanise ukuba ingaba sikelele kangakanani izicwangciso inkampani ukuze abuyekeze umqeshwa yokukhubazeka yexeshana. Njengoko yaziwa, lo ongu akukho imida. INtloko inkampani wisani umyalelo ukwandisa inani lilonke yenkampani imali yakhe. Liyinyaniso elokuba, kufuneka ukuba ahlawule imirhumo eyongezelelekileyo kwimpilo,-inshorensi yoluntu kunye pension.

Onke acacile? Ngoku kufuneka athathwe ngqo esibhedlele kuba ukubala.

Ekubaleni, kuyimfuneko ukuba luthathele ingqalelo ukuba kwiintsuku zomsebenzi kuphela ihlawulwe. Veki nangeeholide, intlawulo akayi kuba! Ukubalwa intlawulo yokugula Akukho nzima, kodwa kufuneka yenziwe ngokuchanekileyo nangexesha (ukuba kuyeka ukudala iingxaki kwishishini). Elinye ixesha kokungalunganga engalunganga ubalwe ikhefu lokugula kungaba nesiphumo ezingafunekiyo kakhulu. abasemagunyeni inshorensi kunye nerhafu zoluntu rhoqo wenza iitshekhi yesiqhelo, ejolise ukuchongwa Kwiimeko ezinjalo. Accountant ukujongana yemivuzo, kufuneka babe sele bekwazi ukulusebenzisa ngokufanelekileyo iindlela yokubala kwaye bakwazi ukusebenzisa yonke imithetho nemimiselo ezilandelwa nguRhulumente kulo mba.

Kwakhona, qiniseka ukuba Ungabala umndilili umqeshwa emvuzweni efunekayo kule kwiminyaka emibini edlulileyo. Ukubalwa umvuzo nakumndilili esibhedlele, kufuneka ithathele ingqalelo yonke imveliso premium non-imveliso, ngokunjalo izinto zommandla (ukuba ikhona). State ukucwangcisa izinga eliphezulu ingeniso ngokomyinge, leyo ngokuyimfuneko kufuneka balandele. Unyaka emva konyaka, eli nqanaba uhlala ngokwandileyo (ngo-2012 sasifana 512 lamawaka engange).

Ke kaloku kwakukho izibalo kuphela ngoomatshini. Thatha imali efunyenwe yi ngummi kule minyaka mibini idlulileyo, ungadibanisa uze wandule ukohlula ngesi ngenani leentsuku (zekhalenda). Fumana umvuzo avareji usuku olunye. Kufuneka kube ngaphezu ingeniso avareji mihla le lizwe. Xa umntu osebenza kuloo nkampani kutshanje, ukuze angenise isiqinisekiso ingeniso evela umsebenzi wangaphambili. Ngoko ke kufuneka ukuba uthathe ingqalelo nexesha inshorensi ngumsebenzi. Umthetho uthi 100% yentlawulo ibalwa abemi inshorensi iminyaka ubuncinane-8. Ukuba ixesha inshorensi kuluhlu seminyaka emi-5 ukuya kwesi-8, kwaba-80% ye-mali esilindelweyo. Abasebenzi inshorensi iminyaka engaphantsi kwe-5, ufanelekele kuphela intlawulo-60%. Kaloku, abo ubude ubuncinane yenkonzo (iinyanga ezi-6 okanye ngaphantsi) okanye umvuzo ezantsi wemivuzo (SMIC), thembela kuphela kwisixa ngaphakathi kulo mvuzo obulinganayo. Xa yonke into icacile, kunye nenzala, ihlala yodwa zande ubukhulu umlinganiselo ingeniso ngosuku ngenani leentsuku zokugula. Le wokubala kuqwalaselwa njengoko zigqityiwe!