Sonke sisebenza kanzima kukho konke ukuphila kwethu ukuze sizondle futhi sizigqokise kahle, sifundise izingane zethu, futhi silondolozele ikusasa, akunjalo? Kodwa ngenkathi silondoloza le mali, ingabe wake wacabanga ngokuthi sizilungiselela yini izifo ezihambisana nokuguga? Cabanga nje, uma ungaba nesifo esibi ngokuzumayo, yonke imali yakho oyilondolozile kanzima ingaphela ngosuku olulodwa. Esimweni esingalindelekile, umshwalense wezempilo uyinto ezokusiza ngaphandle kokubeka umthwalo osindayo esikhwameni sakho semali.
Kalula nje, uyini umshwalense wezempilo?
Lona umqondo olula kakhulu. Cabanga ngakho njengomphakathi oshonelwe edolobhaneni. Sonke siyahlangana futhi siqoqe imali encane. Uma othile eba nenkinga, sisebenzisa imali esiyiqoqayo ukusiza lowo muntu. Umshuwalense wezempilo uyafana.
Ukhokha imali encane enkampanini yomshuwalense njalo ngenyanga noma minyaka yonke. Sikubiza ngokuthi "iprimiyamu" . Uma ugula futhi kufanele ulaliswe esibhedlela, inkampani yomshuwalense izokhokha izindleko - okungukuthi, izimali zikadokotela, imithi, izivivinyo, izindleko zegumbi, njll. Lokhu kubizwa ngokuthi isimangalo .
Kalula nje, umshwalense wezempilo ufana nokonga imali encane namuhla ukuze uthole isikweletu esikhulu sesibhedlela esingase sifike esikhathini esizayo.
Ingabe lokhu kubaluleke ngempela kithi eSri Lanka?
Abanye bangase bacabange, "Uma izibhedlela zikahulumeni zikhululekile ezweni lethu, kungani sikhokhela umshwalense?" Yebo, ukunakekelwa kwempilo kwamahhala ezweni lethu kungenye yezibusiso ezinkulu esizitholayo. Akukho mpikiswano ngalokho. Kodwa-ke, sonke siyazi ngokuminyana ezibhedlela zikahulumeni, imigqa emide ngezinye izikhathi yokuhlinzwa, kanye neqiniso lokuthi eminye imithi noma izivivinyo ezibizayo kufanele zenziwe ngaphandle.
Ngakolunye uhlangothi, uma ufuna ukwelashwa esibhedlela esizimele, cishe uyazi ukuthi kubiza kangakanani. Cabanga uma ngokuzumayo udinga ama-lakhs okuhlinzwa okuphuthumayo kwe-bypass, ukwelashwa komdlavuza, noma ukufakelwa izinso? Esimweni esinjalo, ukuba nesembozo somshuwalense wezempilo esihle kuzokunikeza ithuba lokuthola ukwelashwa okungcono kakhulu ngaphandle kokukhathazeka ngaleyo mali. Ikakhulukazi ngemva kokuthatha umhlalaphansi, lapho ungenayo imali engenayo ezinzile, into efana nale iwusizo olukhulu.
Ubani ongathola umshwalense wezempilo?
Empeleni, noma ubani angathola umshwalense wezempilo. Kodwa into ebaluleke kakhulu okufanele uyikhumbule iminyaka yakho nesimo sakho sempilo ngesikhathi uthola umshwalense .
- Usemncane futhi uphilile: Uma uthenga umshwalense usemusha futhi ungenazo izifo ezinkulu, imali ozoyikhokha izoba ngaphansi kakhulu. Uzokwazi futhi ukuthola umshwalense ngaphandle kwezinkinga.
- Abantu asebekhulile kanye nabantu asebethathe umhlalaphansi:Ungathenga umshwalense njengoba ukhula, kodwa amaphrimiyamu angase abe phezulu kancane. Ezinye izinkampani zethule izinhlelo zomshwalense ngqo zabantu asebethathe umhlalaphansi.
- Abantu abanezimo ezikhona kakade: Uma unesifo esikhona kakade njengesifo sikashukela noma umfutho wegazi ophakeme, ezinye izinkampani zomshuwalense zizokwamukela. Kodwa-ke, ungase ungambozwa eminyakeni embalwa yokuqala, noma amaphrimiyamu akho angase abe phezulu. Into ebaluleke kakhulu ukwethembeka ngezimo zakho zempilo lapho ufaka isicelo somshuwalense.
Ungakhetha kanjani umshwalense omuhle? Qaphela ngalezi zinto!
Kunezinkampani eziningi zomshuwalense wezempilo eSri Lanka manje. Ngaphambi kokukhetha eyodwa, kubaluleke kakhulu ukucwaninga lezi zici ngokucophelela.
| Izinto okufanele uziqaphele | Incazelo elula |
|---|---|
| Inani Lokumbozwa | Ingakanani imali ephezulu inkampani yomshuwalense ezokukhokha uma ugula? (isib. 5, 10, 20 lakhs ngonyaka?) |
| I-Premium | Inani okudingeka ulikhokhe ngenyanga noma ngonyaka ukuze uthole lowo mshwalense. |
| Izibhedlela Zenethiwekhi | Yiziphi izibhedlela ezizimele ongathola ukwelashwa kuzo? Ezinye izinhlelo zomshuwalense zikhokha isikweletu ngqo esibhedlela (ngaphandle kwe-Cash). |
| Izifo Ezimboziwe | Yiziphi izinhlobo zezifo ezimbozwayo? Qiniseka ukuthi uhlola okungafakwanga. |
| Umkhawulo Weminyaka | Ingakanani iminyaka ephezulu yokubhalisa umshwalense? Futhi, ingakanani iminyaka ephezulu yokuvuselela umshwalense? |
| 'Ibhonasi Yesicelo' | Uma ungenzi noma yiziphi izicelo zonyaka, ingabe inani lesembozo lizokhuphuka ngonyaka olandelayo noma ingabe iphrimiyamu izokwehla? |
Kwenzekani uma ngiphuza ukuthola umshwalense?
Lokhu futhi kuyiphutha abaningi bethu abalenzayo. Ukuhlehlisa, bethi, "O... ake silinde isikhashana." Kodwa endabeni yomshuwalense wezempilo, ukuhlehlisa kuholela ekulahlekelweni.
1. Amaphrimiyamu ayanda: Njengoba ukhula, amaphrimiyamu akhokhiswa izinkampani zomshuwalense nawo ayanda ngenxa yengozi eyengeziwe yokuthola izifo.
2. Ukumbozwa kwesifo kunqunyelwe: Uma uya kothola umshwalense ngemva kokuthola isifo esisha (isib. isifo sikashukela) njengoba ukhula, ungase ungatholi ukumbozwa kwaleso sifo noma umshwalense ungase wenqatshwe.
3. Izikhathi Zokulinda: Amanye amapholisi omshwalense awambozi izimo ezithile ezinyangeni ezimbalwa zokuqala noma eminyakeni ngemuva kokuthatha umshwalense. Lesi sikhathi singaba yinkinga uma uthatha umshwalense sekwephuzile futhi ube nesimo esiphuthumayo.
Ngakho-ke, into engcono kakhulu ongayenza ukuqala umshwalense usemncane futhi uphilile, ukhokhe imali encane. Kuyitshalomali elikhulu kakhulu ongalwenza empilweni yakho yesikhathi esizayo.
Futhi cabanga ngomshuwalense onikezwa umsebenzi wakho.
Izinkampani eziningi ezizimele zinikeza abasebenzi bazo umshwalense weqembu. Lokho kuyinto enhle. Kodwa khumbula, ukuthi umshwalense uvame ukuphela uma uthatha umhlalaphansi noma ushiya inkampani . Futhi, kunezinhlelo zomshuwalense zabasebenzi bakahulumeni ezifana ne-'Agrahara'. Buza inkampani yakho ngalokhu futhi. Kodwa kuphephile ukucabanga ngomhlalaphansi futhi ube nomshwalense wakho siqu ngaphezu kwalokhu.
Uma uneminye imibuzo mayelana nalokhu, khuluma nomeluleki womshuwalense othembekile. Kodwa-ke, uma unenkinga yezokwelapha mayelana nokuthi ungawuthola yini umshwalense ngenxa yesimo sakho sempilo, kungcono ukukhuluma nodokotela womndeni wakho ngakho.
Umlayezo Wokuya Nawe Ekhaya
- Umshwalense wezempilo awuyona imali eningi, kodwa uwukutshalwa kwezimali esikhathini esizayo. Ungavikela imali yakho oyilondolozile uma kwenzeka isimo esiphuthumayo.
- Qala umshwalense usemusha futhi uphilile. Ngaleyo ndlela, ungathola izinzuzo ezengeziwe ngeprimiyamu ephansi.
- Ngaphambi kokukhetha inqubomgomo yomshuwalense, thola imininingwane ezinkampanini eziningana bese uqhathanisa inani elimboziwe, amaphrimiyamu, izifo ezimboziwe, kanye nezibhedlela.
- Ungafihli lutho ngesimo sakho sempilo lapho ugcwalisa isicelo somshuwalense. Ukwethembeka ngakho konke kungasiza ekuvimbeleni izinkinga lapho ufaka isicelo esikhathini esizayo.
- Ngisho noma uthola umshwalense ngomsebenzi wakho, kusafanele ucabangele umshwalense wangasese wokuthatha umhlalaphansi.
- Khuluma nodokotela wakho nganoma yiziphi izinkinga zezokwelapha.
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