Funa ezihlanganisiwe kanye izici ezithinta ke

funa ezihlanganisiwe yinani lika wonke imali kumthengi yezimpahla nezinkonzo emnothweni.

Kulolu hlu kuhlanganisa izingxenye ezilandelayo:

- ukufunwa ezidayiswayo kanye namasevisi;

- isidingo amasevisi kanye nemikhiqizo, okuyinto ayanikezelwa nguhulumende ngokugcweleyo;

- isidingo imikhiqizo utshalomali;

- isidingo nokuthengiswa - umahluko phakathi ukubaluleka izimpahla wathenga angaPhandle kanye nalabo ngiye ngazuza abathengi yasekhaya.

Ake sicabangele lokho okufunekayo aggregate futhi ezinquma ukuthi ke. Ngokuyinhloko ku nenani zokukhiqiza izici idliwe kuthinte intengo.

1. Umthelela inani lenzalo - amanani sinomthelela ngevolumu ukukhiqizwa ngokusebenzisa isilinganiso senzalo. Yandisa izindleko izimpahla kuholela yokuthi abantu bezama ukwandisa imali yabo notshwala. Okungukuthi, kwandisa isidingo imali. Kodwa uma imali eyiphinda kungukuthi ezikhulayo ngokuvumelana okulindele, ke kunciphisa inani batsengi kanye nokutshalwa kwezimali.
2. Umthelela imali ezilinganisweni noma ingcebo - kunemtselela ngokuyinhloko batsengi. Ngokwesibonelo, intengo kwandisa kukhona ukwehla nakwentiwa, imali kancane kancane depreciate. Anqwabelene imali sabantu, ikakhulu, amabhondi, elithi imali, njll, kukhona ephansi kakhulu kunalokho ekuqaleni. Abantu bagcina ukuthola ampofu ngisho ukugcina imali ekhaya.
3. ukungenisa izinto ezinhlelweni zokuthenga umphumela - umphumela ukubaluleka ukuthekelisa. Nge kwemali lukhula ukufunwa izimpahla angaphandle kanye kunciphisa yasekhaya.

Kodwa hhayi kuphela izindleko imikhiqizo namasevisi ancike batsengi. Non-intengo izici isidingo aggregate nhlobonhlobo. Basuke zihlukaniswe ngamaqembu izinyathelo ezivumelana nalezo lapho izakhi ezisithintayo.

1. Izimo letitsintsa ukusetshenziswa kwemikhiqizo yimikhaya.

- I inhlalakahle abathengi - abantu bachitha imali yabo, kuye ngenani amafa they possess (ingcebo, amabhondi, amasheya). Ngakho nokwehla elibukhali amanani abo kuholela yokuthi abantu seziqala ukuchitha kancane bese ugcine ngaphezulu.

- abathengi 'okulindele - zincike izibikezelo zabantu. Uma bekholwa ukuthi esikhathini esizayo esiseduze kuyoba yinto ukwanda engenayo yangempela, ukufuneka Imininingwane yonke imikhiqizo lukhula. Futhi, ngokufanele, kunalokho, ukulangazela lenkinga emnothweni kuholela yokuthi abantu seziqala buthelela ukonga.

- Trade Receivables - uma abantu babe inqwaba ukubolekisa, izitolimende kwi zigqila langaphambilini, ukufuneka Imininingwane is ngqo ziyancipha.

- Intela - encishisiwe amazinga entela engenayo kuholela yokuthi abantu kuyodingeka imali eningi ukuthenga izimpahla.

2. Non-intengo nokuthi zibangelwa izinguquko izindleko utshalomali.

- Isithakazelo amazinga - lapho bakhulisa nokuncipha imali utshalomali. Ngokwesibonelo, cabanga nokuncipha ivolumu imali supply. Ngaphansi kwethonya lokhu isici kwandisa inani lenzalo, ezifakwa ziyancipha.

- Bekulindeleke nenzuzo yokutjala - aggregate funa kwanda izibikezelo okuhle ngendlela engakholeki.

- Izintela ezikhokhwayo ezinkampanini - ekukhuleni zabo ziye zancipha lemali ukuthi izinkampani bazimisele ukuchitha kanye nabasebenzi babo.

- Ubuchwepheshe ekukhiqizeni - yimuphi ezintsha neqhaza yokuthi inkampani usulungile ukuthi atshale imali eningana.

3. Ingabe Zikhona Izimo Ezenza ahlobene nezinguquko kwetimali tahulumende. Uma uhulumeni ngeke bachithe imikhiqizo Thenga kazwelonke, kuyoba kwandisa ukudleka aggregate kuleli zwe.

4. Non-intengo izinto eziholela izinguquko net nokuthengiswa kwempahla.

- engenayo National emazweni angaphandle - ne enzeke kukhona kungenzeka ukuthi ukufuneka kuleli zwe kulindeleke ukuthi ukhule nokuthengiswa.

- Exchange rate - umthelela umthengi ukukhetha. Abantu banqume ukuthi imikhiqizo yokuthenga: amazwe noma yasekhaya.

Ngakho, inani elikhulu izici njalo nomthelela ngokufunwa ekuhlanganisweni.