Ngexesha loqhawulo mtshato, ukuba isibini asivumelani ngendlela yokwahlula ipropati yomtshato, ipropathi inokufuna ukuba ixatyiswe ngobuchule ukuze yahlulwe ngokulinganayo. Olu xabiso lubandakanya yonke ipropathi yomtshato-ipropathi yobuqu, amakhaya, kunye namashishini- kwaye kunokuba nzima.
Iindlela ezahlukeneyo zoVavanyo lwePropati
Ngokufanelekileyo, wena neqabane lakho niyakwazi ukuvumelana ngendlela yokwahlulahlula iipropathi zomtshato. Ngamanye amaxesha oku kuthetha ukuba usebenzisa umlamli okanye amagqwetha akho ukukunceda uze nesivumelwano esifanelekileyo. Ukuba anivumelani ngendlela yokwahlulahlula ipropathi yomtshato ngoqhawulo-mtshato, wena (okanye amagqwetha akho, ukuba unawo) kuyakufuneka uye kwijaji ucele inkundla ukuba yahlule ilifa lomtshato.
Imibuzo yeempendulo zasebusika kunye neempendulo ezishicilelweyoAmanqaku afanelekileyo
- INkxaso yabaNtwana yaseNew York kunye noFundo lweKholeji
- Uqhawulo mtshato kunye noVavanyo lweShishini
- ICandelo lePropathi yoLuntu kuQhawulo-mtshato lwaseWashington
Ekwabeni amaxabiso afanelekileyo kwipropathi, inkundla okanye umlamli uya kuhlala exhomekeke kubungqina bamangqina aziingcali, anje ngexabiso lendlu, okanye umthengisi wee-antique onokuqikelela ixabiso leendlalifa zosapho. Ezi ngcali zinokucetyiswa yinkundla, ngumlamli, ngamagqwetha, okanye ngamaqela kwityala, kodwa kufuneka zingathathi cala kwaye zingakhethi cala kulo naliphi na iqela elibandakanyekayo.
Ukuxabisa iKhaya
Xa kumiselwa ixabiso lekhaya, iingcali zihlala zisebenzisa Uhlalutyo lweNtengiso (CMA). Oku kuthathela ingqalelo amakhaya athelekisekayo asandula ukuthengiswa kwaye okwangoku adweliswe kwintengiso kwindawo ohlala kuyo. I-CMA iya kuthi ibangele nakweziphi na izinto ezizodwa zekhaya lakho-umzekelo, ngaba ikhaya lakho liphantse lafana namakhaya amathathu awayesandula ukuthengiswa, ngaphandle kwekhaya lakho kuphela elinephuli yomhlaba? Ngaba ikhaya lakho linayo ikhitshi labapheki elihlaziyiweyo? Iimpawu ezikhethekileyo ezinje ngezi ziya kuthathelwa ingqalelo ngexesha lokuxabisa.
Izinto ezongeziweyo ziqwalaselwe
- Ukuxabisa nokuhla kwexabiso -Uqingqo-maxabiso lunokuthathela ingqalelo nakuphi na ukuxabiseka okanye ukwehla kwexabiso lekhaya ngexesha lomtshato, ngakumbi ukuba ikhaya belilelomnye kuphela wabatshati ngaphambi komtshato. Kule meko, utshintsho lwexabiso lendlu luya kufuna ukwahlulwa endaweni yexabiso elipheleleyo lekhaya. Ukufumanisa utshintsho kwixabiso, umvavanyi okanye umthengisi kuya kufuneka enze ukuthembeka okuthembekileyo kwexabiso lekhaya ekuqaleni komtshato kunye nexabiso ngoku.
- Uphuculo lwaseKhaya -Uya kufuna kwakhona ukuqaphela nakuphi na ukuphuculwa okwenziweyo kwipropathi ngexesha lomtshato elihlawulwe ngemali yomtshato kuba olo phuculo kunye nexabiso elongezelelekileyo liya kuba phantsi kokwahlulwa nokuba indlu ngokwayo ayinjalo.
Ukuxabisa iPropathi yobuqu
Nazi iindlela ezintathu yokuxabisa ipropathi yakho.
yeyiphi kwezi zilandelayo engeloncedo lokusika okucacileyo?
- Indlela yeNdleko - Le ndlela isikiwe kwaye yomile kwaye inokusetyenziswa kwizinto zemihla ngemihla ezingazukubanzima ukuzitshintsha. Apha, ipropathi ixatyisiwe ngexabiso elinokuthatha indawo yalo kwipropathi.
- Indlela yokuthelekisa iMakethi -Njengokuba kunjalo ezindlini, ukuthelekiswa kwexabiso lentengiso kuthathela ingqalelo izinto ezifanayo ezisandula ukuthengiswa kunye nokuba zithelekiswa njani nento yakho. Le ndlela yeyona ixhaphakileyo xa ujonga izinto ezinqabileyo nezinokuqokelelwa kwaye zingenakutshintshwa ngokulula.
- Indlela yengeniso -Ukuba ipropathi yathengwa njengotyalo mali (njengeqhekeza lomsebenzi wobugcisa), ixabiso elinokubakho kwikamva libaluleke ngakumbi kunexabiso langoku lento leyo. Kule meko, umvavanyi oyingcali kuya kufuneka abale ukubanakho kwepropathi yokuvelisa ingeniso kwixa elizayo.
Ukuxabisa ishishini
Ukuba omnye okanye bobabini abatshati banenxalenye yeshishini, ubunini obunokuthi buthathwe njengepropathi ekufuneka ixabisiwe njengenxalenye yenkqubo yoqhawulo mtshato. Ukuchonga Ixabiso lale nzala , umgcini zincwadi zemali oqinisekisiweyo uya kujonga:
- Iiasethi kunye namatyala - Oku kubandakanya ipropathi ebambekayo, enje ngezixhobo kunye nohlu lwempahla, kunye nepropathi engaphathekiyo, efana namalungelo awodwa omenzi wechiza kunye 'nokulunga' (ubudlelwane babathengi). Uqingqo-maxabiso luyakuphendula kuyo nayiphi na imali elityala ishishini ngoku.
- Inzuzo yeShishini -Ukufumana inzuzo yeshishini, umgcini zincwadi-mali uya kujonga ukuba ingakanani imali engenayo ishishini kunye neendleko zeshishini, ezinje ngezixhobo zokuqeshisa, irente kunye nemivuzo yabasebenzi. Inzuzo ngumvuzo kuthatyathwa inkcitho.
- Ixabiso elandisiweyo -Kuxhomekeke kurhulumente, kwaye ixesha elingakanani ishishini liphethwe lelinye iqela, i-accountant inokuzama ukujonga ukuba ixabiso leshishini lenyukile ukusukela emtshatweni. Naluphi na ukonyuka (okanye ukwehla) kwexabiso kunokuxhomekeka kwicandelo lepropathi kuqhawulo mtshato.
- Umhla woXabiso Inkundla iyakubeka umhla wokuxabisa, ngakumbi kuba uqhawulo mtshato lungathatha ixesha elide. Ngokwesiqhelo, ishishini lixabiswa ngexesha lokuqhawulwa komtshato, kodwa amanye amazwe anokulixabisa ishishini kufutshane nexesha lokwabiwa kwepropathi.
Xa uxabisa ishishini zimbini iindlela ezahlukeneyo zokumisela ixabiso. Eyokuqala yindlela yexabiso lencwadi, ethi isekele amaxabiso ngokuthe ngqo kugcino lwenkampani emva koko ilungelelanise ixabiso lezinto ukwehla ngenxa yokunxiba okuqhelekileyo kunye nokukhala okanye uxabiso ngenxa yexabiso elonyukayo okoko izinto zafunyanwa. Eyesibini, kwaye eqhelekileyo, indlela yendlela yentengiso. Le ndlela iyalixabisa ishishini ngento eza kuhlawulwa ngumthengi ukuze afumane ishishini ngokusekwe kumvuzo wakhe ocingelwayo.
Ixabiso Lokwenyani lePropathi yakho
Ngelixa ukwabiwa kwexabiso lezemali kwipropathi yakho ngexesha loqhawulo-mtshato lwakho kungabonakala kuthe tye ephepheni, kuhlala kukho ixabiso lemvakalelo lezinto kunye nentlungu yoqhawulo-mtshato enokwenza yonke inkqubo ibe nzima ngakumbi. Nangona ixabiso lemvakalelo lingamkelwa ziinkundla, ngokuqinisekileyo inokukuchaphazela, ke ungalibali ukusebenzisa izinto ezahlukeneyoiindlela zokuzikhathalelaukunceda ukulawula uxinzelelo kunye nokuzigcina uzolile.
