Ukuqashisa okunezintathu ngokuvamile kuvumela umninikhaya
Kungani igama? Umqashi uqobo unesibopho sokukhokha inani lemali yezindleko ezinkulu ezintathu ngaphezu kwesisekelo sakhe sokuqasha: umshuwalense, intela nokugcinwa.
Kodwa lokhu akusho ukuthi isamba esengeziwe silinganiselwe kulezi zinto. Umqashi uthola ngokugcwele yonke imithwalo yemali yezindleko zokusebenza, kokubili lezo ezivela ebhizinisini lakhe nalabo abagcina isakhiwo.
Ukungahleleki kwezindlu ezintathu zokuqashisa
Uma ungena ekuqashiselweni kwemali emithathu, uhola ngokugcwele izindleko zokuba nomnikazi ongekho ngempela. Uzokhokha intela yendawo yokuhlala kumnikazi womuntu womunye umuntu. Uzokhokha ukuze uqinisekise impahla yakhe ngokumelene nomlilo noma umonakalo owodwa, futhi uzokhokha ukuze ugcine ikhodi futhi ephephile kuwe, amaklayenti akho namakhasimende.
Phakathi naleso sikhathi, umnikazi nguye kuphela ozuza ngokubonga kwesakhiwo noma ukwanda kwexabiso. Lokhu kungaba isimo esihle kakhulu kumtshali-zimali ofuna ukuthenga impahla yezohwebo futhi ayiqashise. Ngokuyinhloko ubunikazi bezandla ezingabangela ukukhula okunamandla uma ephethe isikhathi eside.
Izinzuzo zokuqashiswa kweThathu okuNtela
Isisekelo sakho sokuqashisa cishe sizoba ngaphansi uma ngabe ungene kwenye into ngaphandle kokuqashisa kwezindlu ezintathu, kodwa ekugcineni, umgqa ophansi ungase ube mkhulu kakhulu. Ungangena kwenye uhlobo lokuqashisa isamba sokuqasha se-$ 4,000 ngenyanga. Inkampani yokuphatha noma umninikhaya angavuma ukuyehlisa lokho ku-$ 2,000 ngenyanga ngaphansi kwemibandela yokuqashisa kwentengo yesithathu, kodwa uma inani lezengezo ezintathu lilinganiselwa ku-$ 2,000 ngenyanga, awuzuzanga ngempela lutho.
Ukwengeza, awukwazi ukubophezeleka okungenani okungenani izindleko zomnikazi, kuhlanganise nalabo abahambisana nemali yakhe yomthetho noma yokubamba iqhaza ekuqaliseni ukuqashisa noma ukukhipha imigomo yalesi sigaba.
Okubalulekile
Ukuqashisa okunezintambo eziningana kuhlale kuthanda umninikhaya futhi kufanele kuxoxwe ngokucophelela ukuze kunqunywe ukuthi umninikhaya angakwandisa kanjani imali yeNNN unyaka ngamunye. Uzophinde ufune ukuqinisekisa ukuthi lezi zimali kanye nemigomo yokwenyuka kubhalwe ngokucacile ekuqashiseni kwakho. Uma wenza iphutha, ungase unamathele isikhathi eside ngoba ukuqashiswa kwezintathu ezintathu kunemigomo yeminyaka engu-10 kuya kwangu-15.
Qaphela amagama afana ne "turnkey" ekuxoxweni kokuqashisa. Lokhu kuvame ukuthi ukuqashisa kuyinetha elithathu. Uma ungaqiniseki, ube nommeli wezindlu wangempela ubheke phezulu.