Phumeza phambili imali eseleyo kwi ngetyala esijikelezayo, intsalela inqununu

Le iinkcukacha ithunyelwe ngomhla kamva xa ngokuthenga olujikelezayo ngetyala, kudweliswe "imali eseleyo inqununu" kunye "athwale-phezu ukulingana". Ngamafutshane, ukuqhubela phambili intsalela ityala lo, kubandakanywa inzala ukuba usiwe kwinyanga elandelayo, ukulingana inqununu imthumela kwinqununu ngoku karhulumente ezingahlawulwanga.

 

athwale-phezu ukulingana kunye nokulungelelana inqununu, kodwa amabini yachazwa jikelele "indawo yokugqibela intlawulo kwexesha, eli xesha kwexesha yentlawulo". Ngamanye amazwi, kuphela ngokujonga imigaqo ngenyanga, kufuneka ukwazi ukuqonda imali yokuyiphatha-over kwaye intsalela esiyintloko yehliswa eli xesha intlawulo.

 

Ngokomzekelo, masithi wena uhlawule 5,000 yen + ikhomishini nyanga nganye ajikelezayo ngetyala. Emva koko, uye wabizwa kwi zakutshanje lokusetyenziswa zemigaqo, "i edlulileyo kwinyanga yokuyiphatha-over balance 48,000 yen", "kwinyanga ezayo yokuyiphatha-phezu balance 45,000 yen '. Kulo mzekelo, ngenxa ngenyanga sentlawulo, 3, 000 amatyala yen akayi kuthetha ukuba lihlile.

 

on ukwenza isicwangciso intlawulo, musa ukuvumela kubalulekile ukuba siqonde imali eseleyo yokuyiphatha-over kunye nemali inqununu. Kwakunye ityala lwangoku, apho kwakhona iinkcukacha ukuba siqonde meko intlawulo ke, masenze ukukhangela nakanjani nyanga zonke.

 

reference | ngokwemiqathango olujikelezayo ngetyala kwi Notes

 

 

zokuthenga ngokweenkcukacha

 

inqununu tyaba-rate olujikelezayo indlela ngetyala olujikelezayo kukuthi, Ya ngemali kumboleki ukuba baye baba i "ezilinganayo indlela eyinhloko ajikelezayo" zamakhadi nazo kaninzi kubonwa. Oku kungenxa yokuba, ukongeza inqununu nyanga nganye isixa esiqingqiweyo, kuthetha inkqubo, njengokuya ukuba ahlawule inzala ezenzeka ngexesha ngalinye.

 

Kufuneka kuqatshelwe kule ndlela lokuhlawula, oko ukuba imali eseleyo yinqununu intsalela yenziwa phambili kukho kungenzeka ukuba "ayibandakanyi ikomishini umyinge wenzala". Ukongeza, kwimeko ukusetyenziswa entsha kwekhadi emva kwexesha elibekiweyo zemigaqo, ulwazi kwingxelo yakutshanje ayibonisi. Ngoko ke, abo bafuna ukukhangela ngqo status zokuboleka kunye nemeko intlawulo, kubalulekile ukukhetha indlela yokunxulumana iinkampani ezemali abathengi kunye ikhadi lamatyala.

 

reference | notation ingqalelo
yagqithiselwa balance okanye ukulingana inqununu ukumelwa inkqubo lokuhlawula olujikelezayo ngetyala reference

 

iphepha phezulu "sithwale-over imali eseleyo kwi-inqununu ukulingana", apho ezemali kunye lokuthenga zamakhadi ezahlukeneyo. Umzekelo, ukuba iye yaba "intlawulo yangaphambili emva kokuba imali eseleyo yokuyiphatha-over", kunokwenzeka ukuba okanye baye bachazwa ngokuthi "oyintloko" ukulinganisela inqununu. Ngenxa yesi sizathu, malunga umba ngamnye zemigaqo na ukuba kuthetha ntoni, kubalulekile ukuqonda ngokuqinileyo. izihlandlo eziliqela isixa sentlawulo yenyanga ngokukodwa kwimeko olujikelezayo ngetyala, izakusetyenziswa

 

akayi kutshintsha kakhulu, kukho ingxaki ngokuthi yenze kube nzima ukuba baqonde imali eye isetyenziswe ukuza kuthi ga ngoku. Nokuba bendingathi ukusebenzisa ngetyala kakhulu esijikelezayo kakhulu ngokwakho, kusimangalise ukuba babe eninzi ukuba "ngaphezulu kunokuba kulindelwe Ukuba ezifana isisu ... "oko ababa mbalwa. Ukuze siqonde ngenyanga status zokuboleka kunye nemeko lokuhlawula evela

 

sebhithi, Kakade ke, makhe Masisoloko ukukhangela ukuba ngaba isicwangciso intlawulo kwaye shift lwenzeke.