Ukwakha Isilinganiso
Ukuze noma yikuphi ukuxoxisana okuphumelela, ikhasimende kumele libone inani kulokho okuthengisayo. Uma bebona inani elingu-value, intengo ayisho lutho futhi akukho ukuxoxisana kuzokusiza ukuthi uvale lo mkhiqizo. Ukwakha inani lisho ukudala noma ukuvula inani lomkhiqizo wakho engqondweni yomthengi wakho. Inani eliyigugu ngokwakhayo futhi okubaluleka kwamakhasimende akho kubona, okubaluleke kangako izindleko zangempela zobunikazi kuba.
Ukuqala Izingxoxo
Izingxoxo ziqala uma ikhasimende linenani elinqunyiwe elisetshenziselwa umkhiqizo wakho futhi liqhathanisa inani lakhe elibonakalayo enani elicelayo. Uma inani elibonwayo liphakeme kunenani elicelayo, ukudayiswa kwenziwa. Uma kunjalo, inani elibonakalayo liphansi kunenani elicelayo, isikhathi sokuxoxisana siqala.
Kubalulekile ukuqaphela izinto ezimbalwa ngokubaluleka kwamakhasimende akho okubonwayo nokuthi kuthinta kanjani izingxoxo. Ukuze usebenze njengesibonelo, asho ukuthi unguMenzi Wezentengiselwano futhi ubonisa indlu kumthengi ongenakho.
Uma umthengi ongakwazi ukuthenga, ngemuva kokuhamba kokuqala-endlini ezwa ukuthi indlu iyafaneleka $ 200,000, amathuba akho okudayiswa aphezulu uma inani elibuzwa lingaphansi kwezingu-200,000 zamaRandi.
Uma intengo yakho yokucela ingaphezulu kwezingu-200,000 zamaRandi, umthengi ongathengisa uzozikhethela kakhulu ukuxoxisana kunokuba ngabe intengo ecelayo ingu $ 300,000.
Uma kukhona i-delta enkulu phakathi kokubaluleka okubonakalayo nokucela intengo, ikhasimende cishe ngeke libe nesithakazelo ekuhlanganyeleni ekuxoxweni.
Ngakolunye uhlangothi, uma intengo ecelayo ihle kakhulu kunenani elibonakalayo, ikhasimende lingase lizwe ukuthi liphuthelwe into engalungile ekufingeni kwayo futhi kuyoba yinkinga ngokuhamba phambili. Uma usondeza inani lakho lokubuza lilinganiselwe, kubhekene nezingxoxo zakho.
Ukunquma Inani Lokuqaphela Lekhasimende Lakho
Amakhasimende namuhla awazi kahle kakhulu ukutshela uchwepheshe wezokuthengisa ngokuzithandela ukuthi yini abazozikhokhela umkhiqizo othize. Bazimisele kakhulu, noma kunjalo, ukwabelana ibanga lesabelomali. Ukucela ikhasimende elicubungula ukuthenga ukuthi isabelomali sabo sizokwenza yini ukuthi ukuthengisa kusetshenziswe isici sokudubula.
Lo mbuzo "isabelomali" uvame ukusetshenziselwa ukuthengiswa kwezimoto njengoba abadayisi bezokuthengisa bebuza abathengi abangakhokhwa ukuthi yiziphi izinkokhelo zenyanga abazozifuna. Esikhathini esiningi, ngendlela, umthengi ongakwazi ukuphendula uzophendula ngokuthi "Angifuni ukukhokha okungaphezu kuka-X ngenyanga." Kungakhathaliseki ukuthi yini abayinikezayo kufanele ibe yisiqalo sokuxoxisana.
Yandisa Inani Elikubonwayo
Uma intengo yakho ecelayo ingaphansi noma ngaphansi kwenani lekhasimende elibonakalayo, ukugxila kwakho kufanele kube ngaphezulu kokuvala ukudayiswa kunokuba kuxoxwe.
Uma inani lakho lokucela liphakeme kunanani elithandwayo, unempumelelo ngokubili: Okokuqala, unganciphisa inani lakho lokubuza. Lokhu kungenzeka ukuthi akuyona inketho futhi ngokuqinisekile akuyona into okufanele uyihlose. Ukunciphisa ngokulinganayo intengo yakho kuyindlela enhle yokulahlekelwa inzuzo enkulu futhi ukuguqula umkhiqizo wakho ube yimpahla.
Ukhetho lwesibili ukwandisa inani lekhasimende lakho elibonakalayo lomkhiqizo wakho. Ukuzama ukuxoxisana nomthengi onenani elibonakalayo liphansi kunani lakho lokubuza kufanele liqale ngokubuyekeza zonke izinzuzo umkhiqizo wakho ozonikeza kumakhasimende wakho.
Ukwenza lokhu ngeke kukhumbuze kuphela ikhasimende lakho ngezinzuzo zomkhiqizo wakho kodwa futhi kukunika ithuba lokuqinisekisa ukuthi ikhasimende lakho liyazi zonke izinzuzo. Kungenzeka ukuthi ikhasimende lakho alizange libheke okuthile ngomkhiqizo wakho ozozuzisa.
Uma inzuzo entsha iseziwe, inani elibonakalayo liyanda. Izinzuzo ezengeziwe, inani elingaziwa kakhulu.