Ukubeka okukhethwa kukho kuyindlela entsha yokuthola

Abantu abanakho imali yamahhala bazimisele ukutshala imali. Kule ndaba, izimakethe zezimali ze-westernation ziye zavela ngaphezulu kwabasekhaya. Ezweni lakithi eminyakeni engaphezu kwengu-70, amathuluzi athakazelisayo ekwenzeni inzuzo, elula, ayengekho. Imakethe yaseYurophu, yaseMelika, yase-Asia yi-70-80's. Ikhulu leminyaka lama-20 seliphelile kakade imidlalo ehlukahlukene emkhakheni wezitifiketi, okwaholela ekukhuleni kwezinto ezivela ezivela.

Namuhla, izibambiso ezithathayo, kufaka phakathi izinketho zokufaka nokushayela ucingo, zichazwa njengezibambiso zamanani entengo ethile (izimpahla, izibambiso, ama-indices, amanani entengo, njll.). Noma njengelungelo elingelona idokhumenti elivela kumnikazi ngokuphathelene noshintsho lwamanani wefa eliphansi kwesigamu.

Lawa mathuluzi ngasekupheleni kweminyaka engama-90 ekhulwini le-20 ngakho "wagxila" izimakethe zamasheya emazweni ahlukahlukene, okwaholela ekushusweni kwezomnotho, ukushayisana kwemakethe yamasheya nokungazinzile kwesimiso sebhange se-1997 emakethe yezimali yase-Asia.

Ake sicabangele ngokuningiliziwe ukuthi yikuphi ukubeka nokushayela okukhethwa kukho. Ngokuvamile, inketho iyinkontileka enikeza ilungelo (hhayi okugunyazayo) ngesikhathi esithile ukuthenga noma ukuthengisa impahla ehambisana nenkontileka. Ukuze uthole ilungelo elinjalo, kufanele ukhokhe i-premium (i), okuyingxenye encane yezindleko eziphelele. Intengo yokuthenga esikhathini esizayo (ukudayiswa) (p) isungulwe enkonzweni futhi ayihambisani nokushintsha.

Oxhumana nabo balolu hlobo bahlukaniswe ekukhetheni nokufaka izinketho (kusukela ngesiNgisi "beka" kanye "nocingo"). Inketho yokuqala inikeza ilungelo lokuthengisa impahla, futhi okwesibili - ukuthenga. Uma inani lefa elisungulwe ngesikhathi sokusebenza kwesivumelwano singamukeleki kubanikazi, inkontileka ayikwenziwanga, ngoba, sigcizelela, inketho iqinisekisa kuphela ilungelo, hhayi isibopho. Ngenxa yamathuluzi anjalo, abatshalizimali bangathola izinzuzo ezishintshayo ezintengo zezimpahla, amasheya, njll, ngaphandle kokuzifaka eqinisweni, yingakho izidakamizwa zande kangaka.

Okukhethwa kukho (ucingo) kungaba iMelika (ibulawa noma nini ngaphambi kokuphela kwenkontileka) noma iYurophu (ibulawa kuphela ngosuku lokusebenza kwesivumelwano). Kusukela kwenye ithuluzi lokusungula - ikusasa - ukhetho luhlukile uma uma inkontileka isenziwa, ifa eliyisisekelo lihanjiswa.

Ukubuya okungenzeka kwalabo abathengayo ukukhethwa kokubekwa kubalwa njengenani elichazwe kwinkontileka (p), ngaphansi kwentengo yempahla emakethe ngosuku lokukhishwa (h) kanye ne-premium (i). Umphumela omuhle wokuthengiselana kungenzeka, uma kuphela h

Isibonelo, uthengela ukukhethwa kokukhethwa kwamasheya ngenani lesiteleka sama-ruble angu-60. Ezinyangeni ezingu-3. Plus ukhokhe i-premium, uthi, ama-ruble angu-5. Kucatshangwa ukuthi amanani angaleso sikhathi azokwehla kuma-ruble angu-50. Ngesikhathi sokukhishwa kwenkontileka, uthengisa amasheya kule ntengo, uthengise ngenketho futhi uthole inzuzo = 70 - 60 - 5 = ama-ruble angu-5 esitokisini.

Ukubamba iqhaza, singasho ukuthi inketho iyithuluzi elikuvumela ukuba wenze inzuzo ngokulahlekelwa okuncane ngendlela yama-premium.