Indlela yokukhokha ikhefu lokugula

Umbuzo othi "ukukhokha kanjani ikhefu lokugula" unesithakazelo kubasebenzi abaningi. Ngempela, ngisho nesisebenzi esiphethe futhi esinempilo singase sibe nomzuzwana lapho ehluleka okwesikhashana. Imishayathi phakathi nale nkathi incishisiwe, futhi izindleko zokwelapha nokululala ziyanda.

Indlela ikhefu lokugula ekhokhwa ngayo futhi ngayiphi inani lixhomeke ezintweni eziningana. Okokuqala, lokhu kungokwesilinganiso somholo. Uma isisebenzi sithola imali ngomsebenzi wakhe "emvilophini" noma asiqashiwe ngokomthetho nhlobo, awukwazi ukuthembela esibhedlela esisodwa. Iholo elikhulu elisemthethweni "elimhlophe", eliphakeme kakhulu lokukhokha.

Ngaphandle kwemholo, isipiliyoni somsebenzi sithinteka endaweni eyodwa nokuthi ngabe umuntu usebenze kangakanani ezinyangeni ezingu-24 zokugcina ngaphambi kokuqala kokukhubazeka. Uma esebenza, izinkokhelo zizobalwa ngokususelwa kumholo wakhe ojwayelekile, futhi uma kungenjalo - ngokusekelwe kumholo omncane. Uma isisebenzi sineminyaka engaphezu kwengu-8 yensizakalo engaphazamiseki ebhizinisini, inani lenzuzo yakhe lizolingana no-100% wemali engenayo yansuku zonke. Uma isebenze iminyaka engaphezu kwengu-5, kodwa engaphansi kwezingu-8, inani lokukhokha lizoncishiswa ngo-20%, futhi uma lingasebenzi iminyaka emihlanu, ukukhokha kuzokwehla ku-60% wemali engenayo yansuku zonke. Uma umuntu evele ehlelwe endaweni entsha futhi eya esivumelwaneni sokugula ngaphandle kokuba aqede isigamu sonyaka, izinkokhelo zizobalwa ngokulingana nomholo omncane, okuzophela ekupheleni kuka-2012 ngamarubleji angu-4611.

Abagulayo-bahamba kanjani bekhokhwa ngokusekelwe emalini engenayo esikhathini sokubala? Ngokusho kwezinguquko zakamuva, umholo uthathwa ngokubheka kuphela eminyakeni emibili yekhalenda yangaphambilini. Ngamanye amazwi, uma isisebenzi sikhubazekile okwesikhashana ngo-Septhemba 2012, ukubalwa kuzokwenziwa ngokusho kwezinkomba zango-2010 nango-2011. Kuvela ukuthi inani lokukhokha ohlwini lokugula phakathi nonyaka ngeke lushintshe. Inani lizofana nangoJanuwari nangoNovemba 2012. Ngaphambi kokubala inani lezinzuzo, udinga ukubala isilinganiso semali ejwayelekile nsuku zonke. Kuvela ngokuhlukanisa izibalo ezitholwe isikhathi sokubala ngenani lezinsuku zokusebenza.

Ukubalwa kwekhefu lokugula, isibonelo:

Isibonelo, isisebenzi sika-2010 futhi ngo-2011 sathola ama-ruble ayizinkulungwane ezingu-240 nezingama-270 ezilinganayo. Khona-ke imali engenayo yesikhathi sokubala izoba yizinkulungwane ezingu-510. Siwahlukanisa ngenani lezinsuku zokusebenza (730) futhi uthole isilinganiso semali yansuku zonke - amaRuble angu-698.6. Ukuthola inani lenzuzo kuyo yonke inkathi yokukhubazeka komsebenzi, kumele wandeze le mali ngenani lezinsuku ezichithwe ohlwini lwabagulayo. Ake sithi sekuyizinsuku ezingu-9. Khona-ke 698.6 * 9 = 6287 izinkulungwane. Inani elitholakalayo kufanele landazwe ubude benkonzo. Uma ngabe umsebenzi usebenze ebhizinisini iminyaka engu-7, i-coefficient izolingana no-0.8. Ngakho-ke, inani eliphelele lemali yesikhathi esichitha esibhedlela kuyoba ngu-6287 * 0.8 = 5030 ruble. Nguye otholayo.

Ingabe ikhefu eligulayo likhokhwa uma ukungakwazi ukusebenza komsebenzi kungenxa yokudakwa ngokweqile? Ukukhokhelwa, kodwa kuphela ngokusekelwe kumholo omncane, ngaphandle kokucubungula ubude benkonzo kanye nemali ekhokhelwayo yangempela. Ngokufanayo, izinkokhelo zinciphisa uma isiguli siphula umbuso kanye nesidakamizwa sikadokotela noma angabonakali ngesikhathi sokuqokwa ngosuku olumisiwe. Uma ukukhubazeka komsebenzi kubangelwa ngengozi emsebenzini, umsebenzi uzothola inzuzo ezolinganisa amaphesenti angu-100 emali engenayo, kungakhathaliseki ukuthi usebenze kangakanani lapho. Imali etholakalayo yansuku zonke inomkhawulo ongaphezulu, okunikezwayo amandla okusebenza akukwazi ukudlulela - yizinhlamvu ezingu-1137. Uma umholo wesisebenzi ungaphezulu, ukubalwa kuzokwenziwa kulolu nani.

Isibhedlela sikhokhelwa kanjani ukunakekela ingane? Kubalwa ngokufanayo ngendlela efanayo, ngokucabangela iminyaka esebenzayo kanye nemali engenayo. Kodwa ikhokhwa ngokuhlukile. Izinsuku ezingu-10 zokuqala - ngokususelwe ekutholeni nasekutholeni isilinganiso semali yansukuzonke, futhi ezinsukwini ezalandela kuphela ama-50% wemali ekhokhelwayo ayakhokhwa.