Yintoni ucwangciso lwerhafu?

Ukucwangcisa irhafu yinkqubo yokuhlalutya isicwangciso semali okanye imeko ngokwembono yerhafu. Injongo yokucwangciswa kwerhafu kukuqinisekisa ukusebenza kakuhle kwerhafu. Ngoncedo lokucwangciswa kwerhafu, umntu unokuqinisekisa ukuba zonke iinkalo zesicwangciso sezemali zinokusebenza kunye nokusebenza kakuhle kwerhafu.

Ukucwangciswa kwerhafu yinxalenye ebalulekileyo yesicwangciso semali. Ukunciphisa irhafu nokwandisa amandla okuba negalelo kwizicwangciso zomhlalaphantsi kubalulekile kwimpumelelo.

Ucwangciso lubandakanya imiba eyahlukahlukeneyo. Iingqwalasela ezinjengobungakanani, ixesha lomvuzo, ixesha lokuthenga, nokucwangcisa kunxulumene nezinye iintlobo zeendleko. Kwakhona, utyalo-mali olukhethiweyo kunye nezicwangciso ezahlukeneyo zomhlalaphantsi kufuneka zihambelane nemeko yokubhengezwa kwerhafu kunye nokutsalwa kwentlawulo ukuze kudalwe esona siphumo sifanelekileyo.

Iirhafu zinokutya kumvuzo wakho wonyaka. Ukuchasana noku, ukucwangcisa yindlela esemthethweni yokunciphisa ityala lakho lerhafu kuwo nawuphi na unyakamali onikiweyo. Ikunceda ukuba usebenzise ukhululo kwirhafu, ukutsalwa kunye neenzuzo ezibonelelwa ngabasemagunyeni ngeyona ndlela ingcono yokunciphisa uxanduva lwakho.

Inkcazo yocwangciso lwerhafu ilula kakhulu. Luhlalutyo lwemeko yayo yezemali ukusuka kwindawo yokujonga ukusebenza kakuhle kwerhafu.

Iinjongo zokucwangciswa kwerhafu

Ukucwangciswa kwerhafu kudlala indima ebalulekileyo kwibali lokukhula kwemali yomntu ngamnye kuba iintlawulo zerhafu zinyanzelekile kubo bonke abantu abangena phantsi kwe-IT bracket.

Ngokucwangcisa, umntu uya kukwazi ukuhlengahlengisa iintlawulo zabo zerhafu ngendlela yokuba baya kufumana imbuyekezo enkulu ngexesha elithile elibandakanya umngcipheko omncinci. Ukongeza, ukucwangciswa kwerhafu okusebenzayo kuya kunceda ukunciphisa uxanduva lomntu lwerhafu. Nangona kunjalo, oku akukuphela kwenjongo yayo.

Iinzuzo zokucwangcisa

Ukunciphisa iingxabano: Ukuqulatha kuthetha ukusombulula iingxabano zerhafu kunye nabasemagunyeni berhafu basekhaya, abadibeneyo, urhulumente okanye amazwe angaphandle. Kudla ngokubakho ukungavisisani phakathi kwabaqokeleli berhafu nabahlawuli berhafu, njengoko lowo ungaphambili ezama ukukhupha esona sixa sisesona siphezulu xa aba bahlawuli berhafu befuna ukugcina ityala labo lerhafu lincinci. Ukunciphisa ukumangala kusindisa umhlawuli werhafu kubutyala obusemthethweni.

Ukunciphisa irhafu ehlawulwayo: Wonke umhlawuli werhafu ufuna ukunciphisa umthwalo wabo werhafu kunye nokugcina imali kwikamva labo. Ungalinciphisa ityala lakho lerhafu ngokulungiselela utyalo-mali lwakho phantsi kweenzuzo ezahlukeneyo ezikhoyo phantsi koMthetho weRhafu yeNgeniso. Umthetho unika izicwangciso zotyalo-mali ezininzi ezinokuthi zinciphise ngokuphawulekayo ityala lakho lerhafu.

Ukuqinisekisa uzinzo lwezoqoqosho: Imali yabarhafi ichithwa kwintlalontle yelizwe. Ucwangciso nolawulo lwemali olusebenzayo lubonelela ngokungena okunempilo kwemali emhlophe nto leyo ekhokelela kwinkqubela phambili entle yezoqoqosho. Oku kuxhamlisa abemi kunye noqoqosho.

Ukwandisa imveliso: Enye yeenjongo eziphambili zokucwangcisa kukuhambisa imali kwimithombo erhafiswayo ukuya kwizicwangciso ezahlukeneyo zokungenisa imali. Oku kuqinisekisa ukusetyenziswa ngokukuko kwezimali kwizizathu ezinemveliso.

Iindidi zokucwangcisa irhafu

Uninzi lwabantu lujonga ukucwangcisa njengenkqubo ebanceda banciphise uxanduva lwabo lwerhafu. Nangona kunjalo, imalunga nokutyalomali kwizitokhwe ezifanelekileyo ngexesha elifanelekileyo ukuze ufezekise iinjongo zakho zemali.

Inqaku elifundwayo: Izicwangciso ezingcono zemali ezisebenza ngokufanelekileyo

Nazi ezinye zeendlela ezahlukeneyo zokucwangcisa irhafu:

Ucwangciso lwexesha elifutshane

Ngokwale ndlela, ukucwangcisa kucingwa kwaye kwenziwa ekupheleni komsebenzi. Abatyali-mali basebenzisa olu cwangciso ukuzama ukufumana iindlela zokunciphisa ngokusemthethweni ityala labo lerhafu ekupheleni konyaka-mali. Le ndlela ayithathi nxaxheba kwizibophelelo zexesha elide. Nangona kunjalo, isenakho ukukhuthaza ukongiwa kwerhafu eninzi.

Ukucwangcisa ixesha elide

Esi sicwangciso siyilwe ekuqaleni konyaka-mali kwaye umhlawuli werhafu ulandela esi sicwangciso unyaka wonke. Ngokungafaniyo nokucwangciswa kwerhafu yexesha elifutshane, awukwazi ukufumana inzuzo yerhafu ngokukhawuleza, kodwa inokunceda ekuhambeni kwexesha.

Ucwangciso lwerhafu oluvumelekileyo

Le ndlela ibandakanya ucwangciso phantsi kwamalungiselelo awahlukahlukeneyo emithetho yerhafu. Ukucwangciswa kwerhafu kunika izibonelelo ezininzi ezifana nokuxhuzulwa, ukukhululwa, iminikelo kunye nenkuthazo. Ngokomzekelo, uMthetho weRhafu yoMvuzo, ubonelela ngeendlela ezininzi zokutsalwa kwerhafu kwizixhobo ezahlukeneyo zogcino lwerhafu.

Ucwangciso lwerhafu ekujoliswe kulo

Ibandakanya ukusetyenziswa kwezixhobo zogcino lwerhafu ngenjongo ethile. Oku kuqinisekisa ukuba ufumana eyona nzuzo ilungileyo kutyalo-mali lwakho. Oku kuquka ukukhetha ngononophelo utyalo-mali olufanelekileyo, ukuyila inkqubo efanelekileyo yokubuyisela ii-asethi (ukuba kukho imfuneko), kunye nokwahluka kwee-asethi zeshishini kunye nengeniso ngokusekelwe kubume bakho bendawo yokuhlala.

Ndishiye uluvo