Uma kuziwa eminyango yegalaji, kunezici eziningi okufanele zicatshangelwe, kufaka phakathi ubukhulu, isitayela, kanye nomsebenzi.Umbono oyiphutha ovamile phakathi kwabanikazi bezindlu ukuthi ngabe umnyango wegaraji ungaba mude kunokuvulwa ngokwako.Kule bhulogi, sizocubungula lesi sihloko bese sihlanza izinganekwane mayelana nezicabha zegalaji ezingadlula ubukhulu obuqondile bokuvuleka.
Funda mayelana nosayizi abajwayelekile beminyango yegaraji:
Ngaphambi kokuba sifike embuzweni oyinhloko, kufanelekile ukwazi ngamasayizi ajwayelekile egalaji lomnyango.Izicabha zegalaji zokuhlala ezivame kakhulu zivame ukuba ngamafidi angu-7 noma angu-8 ubude futhi ziyahlukahluka ngobubanzi ukusuka kumafidi angu-8, 9, 16 noma angu-18, kuye ngesidingo sokuhlalisa imoto eyodwa noma ngaphezulu.Lezi zilinganiso zizofanelana nezidingo zabanikazi bezindlu abaningi, kodwa kuthiwani uma udinga umnyango wegaraji omude?
Izinguquko ezingenzeka:
Ukubhekana nombuzo wokuthi umnyango wegaraji ungaba phezulu kunokuvulwa, ukuguqulwa kungenziwa kwezinye izimo.Kodwa-ke, kufanelekile ukuqaphela ukuthi lezi zinguquko kufanele zenziwe ngokucophelela nangochwepheshe ukuze kuqinisekiswe ukusebenza okufanele nokuphepha.
1. Khulisa ubude bokuvula:
Uma ufuna umnyango wegaraji omude, ungaphakamisa ukuphakama kokuvula.Lokhu kuguqulwa kuhlanganisa ukukhulisa ukuphakama kwamaheda eminyango, amafreyimu eminyango kanye nokususa ingxenye yodonga olukhona.Lona umsebenzi oyinkimbinkimbi odinga ulwazi olunzulu lokwakha, ngakho ukubonisana nesifaki somnyango wegaraji lochwepheshe noma usonkontileka oqeqeshiwe kunconywa kakhulu.
2. Iminyango Yegaraji Ngokwezifiso:
Enye inketho yokuba nomnyango wegaraji omude ukukhetha umnyango wangokwezifiso.Nakuba osayizi abajwayelekile betholakala kalula, abanye abakhiqizi banikeza izinketho ongazikhetha.Ngezicabha ezenziwe ngokwezifiso, ungenza ngokwezifiso umnyango ukuze uvumelane nezidingo zakho zokuphakama othize.Kodwa-ke, khumbula ukuthi lo mzila ungabiza kakhulu kunokukhetha umnyango ojwayelekile ngenxa yokwenza ngokwezifiso okwengeziwe okuhilelekile.
Okucatshangelwayo okubalulekile:
Nakuba kungase kulinge ukukhetha umnyango wegalaji omude, kunezici ezimbalwa ezibalulekile okufanele zicatshangelwe ngaphambi kokuba noma yikuphi ukuguqulwa noma ukwenziwa ngokwezifiso kwenziwe.
1. Ubuqotho besakhiwo:
Lapho ukhulisa ukuphakama kokuvula noma ukhetha umnyango wegaraji wangokwezifiso, kubalulekile ukuqinisekisa ukuthi ubuqotho besakhiwo segaraji bungakwazi ukusekela ukuguqulwa.Noma yiziphi izinguquko ekuphakameni akufanele ziphazamise ukuzinza okuphelele nokuphepha kwesakhiwo segaraji.
2. Izidingo zokusula:
Ukwandisa ukuphakama kokuvula kuzodinga imvume eyengeziwe yomnyango wegaraji.Ngenxa yokuthi iminyango yegalaji isebenza kumathrekhi, idinga inani elithile lokungena ukuze isebenze kahle futhi ngokuphepha.Qinisekisa ukuthi ukuphakamisa umnyango akudluli i-headroom etholakalayo noma kuphazamisa umsebenzi womnyango.
Sengiphetha, nakuba kungenzeka ukuthi umnyango wegaraji ube mude kunokuvulwa, ukufeza lokhu kudinga ukucatshangelwa ngokucophelela, ubuchwepheshe, kanye nokuguqulwa okungenzeka kwesakhiwo segaraji.Kunconywa ukuthi uthintane nesifaki seminyango yegaraji esinedumela elihle noma usonkontileka oqeqeshiwe ukuze uxoxe ngezidingo zakho ezithile futhi unqume inkambo efanele kakhulu yokwenza.Khumbula, ukuqinisekisa ukuphepha, ukusebenza, nobuqotho besakhiwo segalaji lakho kufanele kube yinto ehamba phambili.
Isikhathi sokuthumela: Jun-30-2023