Ungazikhusela njani iimoto zakho zokucoca umbane ezicocekileyo ebusika?-1

01 Ukugcinwa kwebhetri yamandla

1. Ebusika, ukusetyenziswa kwamandla ngokubanzi kwesithuthi kuyanda. Xa ibhetri ingaphantsi kwama-30%, kuyacetyiswa ukuba itshaje ibhetri ngexesha elifanelekileyo.
2. Amandla okutshaja ayancipha ngokuzenzekelayo kwiindawo ezinobushushu obuphantsi. Ke ngoko, emva kokusebenzisa imoto, kuyacetyiswa ukuba uyitshaje ngokukhawuleza ukuze kuthintelwe ukwehla kobushushu bebhetri okunokuchaphazela ukusebenza kakuhle kokutshaja.
3. Qinisekisa ukuba isithuthi siqhawula umbane ngokuzenzekelayo emva kokuba sitshajiwe ngokupheleleyo ukuthintela ukuboniswa kwenqanaba lebhetri elingachanekanga kunye nokungasebenzi kakuhle kwesithuthi okubangelwa kukukhupha intambo yokutshaja phakathi.

4. Kwindlela eqhelekileyo yokusebenzisa imoto, kucetyiswa ukuba imoto itshajwe ngokupheleleyo rhoqo (ubuncinane kanye ngeveki). Ukuba imoto ayisetyenziswanga ixesha elide, kucetyiswa ukuba igcine inqanaba lebhetri liphakathi kwama-40% nama-60%. Ukuba imoto ayisetyenziswanga ixesha elingaphezulu kweenyanga ezintathu, kuyimfuneko ukuba itshajwe ngokupheleleyo ibhetri yamandla rhoqo emva kweenyanga ezintathu uze uyikhuphele kwinqanaba eliphakathi kwama-40% nama-60% ukuze kuthintelwe ukonakala kokusebenza kwebhetri okanye ukungasebenzi kakuhle kwesithuthi.
5. Ukuba iimeko ziyavuma, kucetyiswa ukuba imoto ipakwe ngaphakathi ebusuku ukuthintela amaqondo obushushu ebhetri aphantsi kakhulu anokuchaphazela ububanzi bebhetri.
6. Ukuqhuba kakuhle kunceda ukonga amandla ombane. Kuphephe ukukhawulezisa ngequbuliso kunye nokuqhobosha ukuze ugcine umgama ophezulu wokuqhuba.

Isikhumbuzo esinobuhlobo: Kwiimeko ezishushu kakhulu, umsebenzi webhetri uyancipha, nto leyo echaphazela ixesha lokutshaja kunye nombane ococekileyo. Kucetyiswa ukuba ucwangcise uhambo lwakho kwangaphambili, uqinisekise ukuba ibhetri ikwinqanaba elaneleyo ukuze uphephe ukuphazamiseka kokusetyenziswa kwesithuthi rhoqo.

02 Ukuqhuba kwiindlela ezineqhwa, ezinekhephu, okanye ezimanzi

Kwiindlela ezinomkhenkce, ezinekhephu, okanye ezimanzi, i-coefficient ephantsi yokungqubana kwenza kube nzima ngakumbi ukuqala ukuqhuba kwaye kwandisa umgama wokubhuleka xa kuthelekiswa neemeko zendlela eziqhelekileyo. Ke ngoko, kufuneka ulumke ngakumbi xa uqhuba phantsi kweemeko ezinjalo.

Amanyathelo okuphepha xa uqhuba kwiindlela ezinomkhenkce, ezinekhephu, okanye ezimanzi:

1. Gcina umgama owaneleyo ukusuka kwisithuthi esingaphambili.
2. Kuphephe ukuqhuba ngesantya esiphezulu, ukukhawulezisa ngesiquphe, ukuqhobosha iibhuleki ngexesha likaxakeka, kunye nokujika ngokukhawuleza.
3. Sebenzisa ibhreki yeenyawo kancinci xa ubhuleka ukuze uphephe amandla agqithisileyo.
Qaphela: Xa usebenzisa iitsheyini ezithintela ukutyibilika, inkqubo ye-ABS yesithuthi isenokungasebenzi, ngoko ke kuyimfuneko ukusebenzisa iibhuleki ngononophelo.

03 Ukuqhuba Kwiimeko Ezinenkungu

Ukuqhuba kwimozulu enenkungu kuzisa iingozi zokhuseleko ngenxa yokungabonakali kakuhle.

Amanyathelo okuphepha ukuqhuba kwiimeko ezinenkungu:

1. Ngaphambi kokuba uqhube, jonga kakuhle inkqubo yokukhanyisa yesithuthi, inkqubo yokucima umlilo, njl.njl., ukuqinisekisa ukuba zisebenza kakuhle.
2. Hlaba ixilongo xa kuyimfuneko ukubonisa indawo omi kuyo kwaye ulumkise abahambi ngeenyawo okanye ezinye izithuthi.
3. Vula izibane zenkungu, izibane zezibane ezikhanyayo, izibane zendawo, kunye nezibane ezibonisa ingozi. Kucetyiswa ukuba uvule nezibane ezilumkisa ngengozi xa ukubonakala kungaphantsi kweemitha ezingama-200.
4. Sebenzisa izisuli zefestile rhoqo ukuze ususe ukufuma kunye nokuphucula ukubonakala.
5. Kuphephe ukusebenzisa izibane zemoto ezikhazimlayo njengoko ukukhanya kusasazeka kwinkungu, nto leyo echaphazela kakhulu ukubonakala komqhubi.

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