Uma ungumtshali-zimali noma ungusomabhizinisi ojwayele ukusebenzisana namabhange futhi usizakala ngezinkonzo zawo, yazi ukuthi zikhona ezinye izinhlobo zezikhungo zezimali ezikuvumela ukuthi ufinyelele amalungelo afanayo, kodwa ngamanani aphansi. Lezi zibizwa ngokuthi: amabhange amalungu.
Thola, kulesi sihloko, konke odinga ukukwazi mayelana nalolu hlobo lwamabhange. Kusho ukuthini a ibhange ilungu ? Yiziphi izinzuzo zokuba ikhasimende eliyilungu? Ungaba kanjani yilungu lebhange?
Lisho ukuthini ibhange eliyilungu?
Comme us le savons tous, ibhange yisikhungo sezimali esenza inzuzo esinhloso yaso kuwukugcina nokukhulisa ukonga kwakho. Lokho kusho, njengazo zonke izikhungo ezinenzuzo enkulu, ibhange linamaphrojekthi alo alivumela ukuthi liguquke. Nokho, ukuze liqhubeke nesifundo futhi liqedele amaphrojekthi alo, ibhange lidinga uxhaso lwezimali lwangaphandle. Futhi yilapho umgomo webhange eliyilungu.
Un ilungu lesikhungo sezimali ngaphezu kwakho konke, ibhange elihlangene noma elisebenzisanayo. Lokhu kuvumela iklayenti ukuthi lingenele emalini yalo ngokuthenga amasheya. Iklayenti ngalinye elinamasheya libizwa ngokuthi ilungu. E-France, isibonelo, ungathola amabhange angamalungu amaningana.
Ungalibona kanjani ibhange eliyilungu?
ongakwenza bona ibhange eliyilungu ngokusebenzisa:
- inhlokodolobha yayo;
- ukuba khona kwama-ejensi.
Eqinisweni, amabhange amalungu ngaphezu kwakho konke, isikhungo sakudala. Ngamanye amazwi, ibhange lenethiwekhi. Kungani ? Hhayi-ke, ake ucabange ukuthi uthenga amasheya ebhange elithile, ngokusemthethweni uzoba yilungu noma umsizi wenhlangano. Ngakho-ke, ngokobuchwepheshe, kufanele ube seduze nebhange lakho, ngokuqondile noma ngamagatsha alo, ukuze ukwazi ukusizakala ngamalungelo ahlukahlukene ozonikezwa wona njengelungu.
Yiziphi izinzuzo zokuba ikhasimende eliyilungu?
Thenga amasheya enhlokodolobha yebhange futhi ube yilungu zinezinzuzo eziningana, phakathi kwazo:
Bamba iqhaza kumaphrojekthi asebhange
Iba yilungu lebhange sifana nesimo sokuba umngane wenkampani. Ngempela, isihloko selungu sinikeza ithuba kumnikazi walo ukuthi abambe iqhaza kumaphrojekthi ebhange. Ngakho-ke unelungelo lokuvota emhlanganweni omkhulu, phambi kwamalungu ahlukahlukene asebenzayo ebhange, ikakhulukazi amanye amalungu. Ngokusobala, lapho amasheya emakhulu, kuyanda izwi lesilungu akhawunti emhlanganweni omkhulu.
Thatha ithuba lezaphulelo kuwo wonke amasevisi asebhange
Ilungu ngu ikhasimende elizimele lebhange. Sekushiwo lokho, njengoba ebamba iqhaza ekuthuthukisweni nasekuthuthukisweni kwamaphrojekthi ebhange, leli bhange limnika izaphulelo kuzo zonke izinsiza ezihlinzekwayo. Ngaleyo ndlela uyoba nethuba lokuthatha imali ebolekiwe ebhange kuyilapho ezuza enzuzweni encishisiwe.
Ukufinyelela mahhala kumadokhumenti asebhange
Ngokuba ilungu, uzokwazi ukufinyelela wonke amadokhumenti asebhange. Ngaleyo ndlela uzoba nethuba lokubona ukuvela kwebhange eminyakeni edlule, ikakhulukazi amaphrojekthi ahlukahlukene eliwagcinile, ukuze ukwazi ukuphakamisa isu elisha noma umbono wokutshala imali ozokwenza inhlokodolobha yesikhungo sokubambisana.
Iba ngowokuqala ukwazi ngamasevisi amasha ebhange
Njengelungu, unelungelo lokuba phakathi kwabantu bokuqala abafunda ngamasevisi amasha anikezwa ibhange oyilungu lalo.
Ungaba kanjani yilungu lebhange?
Uma isimo selungu okuthakaselayo, yazi ukuthi inqubo yokuba munye ilula kakhulu. Eqinisweni, kufanele ulandele lezi zinyathelo:
Xhumana nomeluleki wezezimali webhange okukhulunywa ngalo!
Isinyathelo sokuqala ukubonisana nomeluleki ovela ku-a mutual bank ozikhethele ukuze ube nalo lonke ulwazi ngezinzuzo nezingqinamba zalesi simo.
Nquma inani lamasheya ofuna ukuwathenga!
Isinyathelo sesibili uku nquma i amasheya amakhulu ukuthi uthenga. Qaphela, nokho, ukuthi amasheya anqunyelwe ukuze wonke umuntu abambe iqhaza! Noma kunjalo, ngama-euro angu-5 noma angu-20, ungakwazi kahle kakhulu ube yilungu.
Ngakho ! Manje uyazi ukuthi izinyathelo zokuba amalungu zilula kakhulu. Kodwa-ke, kufanele wazi ukuthi lesi simo asizuzisi, ngamanye amazwi, ngeke uthole inzuzo ngokushintshanisa umnikelo wakho.
