Kunemibono eminingana yokutshala imali ekuvumela ukuthi uthuthukise amaphrojekthi akho. Phakathi kwale mibono kunomqondo wokuthi ilungu lekhasimende ebhange. Lesi simo sikunikeza ithuba lokusebenzisa izinsiza ezihlukahlukene zebhange, ngokubamba iqhaza ekuthuthukisweni kwamaphrojekthi alo.
Uma unentshisekelo kulesi simo, sikumema ukuthi ufunde lesi sihloko. Liyini ikhasimende lebhizinisi? Kungani ube yikhasimende eliyilungu? Ungaba kanjani ikhasimende eliyilungu ? Iyiphi inzuzo yekhasimende eliyilungu?
Liyini ikhasimende lebhizinisi?
Ukuze uthuthukise amaphrojekthi akho ezezimali noma izindlu, ungabiza amabhange ukuthi akusize uwakhulise. Nokho, le ndlela efanayo iyasebenza nasemabhange. Kuphela, kulokhu, yikhasimende elizobamba iqhaza ekuthuthukisweni kwebhange. Kulokhu, sikhulumaisenzo senkampani.
Iyini isenzo senkampani?
Isenzo senkampani kuwumqondo othinta izikhungo zezezimali kuphela, kodwa hhayi nje noma yiziphi. Ngempela, lo mqondo usetshenziswa kuphela yilawo abizwa ngokuthi ama-cooperative noma amabhange ahlangene.
Isenzo senkampani iqukethe ukuthengwa kwengxenye yemali yebhange ngumuntu oyedwa. Ngokusobala, ukuze ukuthenga kube semthethweni, lona kufanele kube ikhasimende lebhange. Kufanele ukwazi lokho dube yilungu lesikhungo zezimali présente izinzuzo eziningana ikhasimende, kanye nebhange lakhe.
Siquketheni isimo seklayenti eliyilungu?
Iklayenti lebhizinisi nguye othenga amasheya emali yebhange. Nokho, ngokuba yilungu, ikhasimende liyoba nelungelo lokubamba iqhaza kumaphrojekthi ahlukahlukene ebhange. Kanjani ? Awu, ngamazwi akhe.
Eqinisweni, njengekhasimende lebhizinisi, lona uzoba nethuba lokubamba iqhaza emhlanganweni omkhulu, kanye namalungu ahlukahlukene asebenzayo ebhange, futhi lokhu, ukuze kuvotelwe izinhlelo zamanje nezesikhathi esizayo zale bhange. Leli lungelo livumela ilungu lekhasimende ukuthi libambe iqhaza ekuthuthukisweni kwebhange lakhe, ngenxa yalokho lizokwazi ukuzuza ekukhetheni okubanzi kwezinsizakalo.
Ungaba kanjani ikhasimende eliyilungu?
ngoba ube yilungu lebhange, awudingi ukuceba, ngoba unethuba lokuthenga amasheya enhloko-dolobha yebhange kusuka ku-5 euros. Ukuze wenze lokhu, kufanele ukuthi usunayo kakade i-akhawunti yokonga nebhange okukhulunywa ngalo. Uma sekwenziwe, hamba kumeluleki wezezimali wasebhange ukuze akusize ngezinyathelo!
Nokho, qaphela ukuthi iklayenti linegunya lencwajana yelungu elilodwa kuphela futhi inani layo lilinganiselwe. Ngempela, ngoba thola ibhukwana lobulungu, ungakhokha phakathi kuka-10 no-2.500.000 wama-euro.
Kungani ube yikhasimende eliyilungu?
Iba ikhasimende lebhizinisi inezinzuzo eziningana. Phakathi kwalokhu kukhona:
Iba ngowokuqala ukuzuza kumasevisi amasha ebhange
Uma ibhange lakho lihlala lishintshashintsha, ungaba ngowokuqala ukusizakala ngamasevisi amasha ngaphambi kokuthi lingene emakethe. Empeleni, njengelunga futhi ubambe iqhaza ekuthuthukisweni kwebhange, uzoba phakathi kwabokuqala abazuza ezinsizeni zalo.
Amandla esiphakamiso
Njengelungu, izwi lakho liyozwakala. Ngakho-ke, uma unombono wamaphrojekthi angayisa ibhange phambili, unelungelo lokuwuphakamisa emhlanganweni omkhulu.
Amanani ancishisiwe kuwo wonke amasevisi asebhange
Uma ufuna ukusizakala ngokugcwele amasevisi ebhange ngamanani ancishisiwe, okumele ukwenze nje ukuba yilungu. Isibonelo, uma ufaka isicelo sokubolekwa imali ebhange, ibhange lingakunikeza:
- imalimboleko esheshayo;
- a ukuncipha kwenani lenzalo.
Bamba iqhaza kumaphrojekthi wezezimali abalulekile
Isimo selungu ikuvumela ukuthi ubambe iqhaza kumaphrojekthi ahlukahlukene ebhange, nokho, ukuhlanganyela kwakho ngeke kuholelwe.
Iyiphi inzuzo yekhasimende eliyilungu?
Njengoba sishilo ngaphambili, isimo sekhasimende lebhizinisi ithembisa izinzuzo eziningi kumnikazi wayo. Lezi zinzuzo zigxile kakhulu ezinsizeni zebhange.
Eqinisweni, i- ukubuyisela ekutshalweni kwezimali kwesimo sebhizinisi ikhawulelwe ezinsizeni zasebhange. Ngamanye amazwi, iklayenti ngeke lenze inzuzo njalo ngenyanga noma ngonyaka, njengoba kwenzeka ngesimo sokusebenzisana ezinkampanini.
Le umgomo weklayenti lebhizinisi inentshisekelo ethile kubatshalizimali noma abantu abajwayele ukusebenzisa izinsiza zebhange ukulungiselela nokuthuthukisa amaphrojekthi abo ahlukahlukene.
