Ungalungisa kanjani umlando wesikweletu bese usula igama lomboleki?

Unyaka ngamunye, ukubolekisa kuba yingxenye ebalulekile yokuphila kwabantu abaningi, futhi umlando wesikolodo ungene ekuphileni kwethu futhi usuvele ube yingxenye yawo. Ngokuvamile abantu abakwazi ukuthenga okuthile ngenkokhelo, ngoba baboleka ebhange, hhayi nje kuphela. Kodwa-ke, inkinga yalesi simo ingaba ukuthi uma umuntu ephula imigomo yesivumelwano sesikweletu ngelinye ilanga, akakwazi ukucabanga ukuthi uyayifumana kabusha. Le nkinga inzima ukuyixazulula, kodwa kukhona izinketho. Umsebenzi wethu ukutshela ukuthi ungalungisa kanjani umlando wesikweletu bese uphinde uthole "igama eliqotho" ebhange.

Qaphela ukuthi lesi simo esingathandeki singavela kokubili ngephutha lombolekayo, nangenxa yephutha lomboleki. Iqiniso liwukuthi yonke indawo kukhona isici somuntu. Yiqiniso, abasebenzi basebhange benza amaphutha kakhulu, kodwa akunakwenzeka ukukhipha lokho. Ngakho-ke, ukuze ungalokothi ubheke izindlela zokulungisa umlando wesikweletu esibi, kungcono ukusebenzisa ilungelo lokubuka ifolda yesikweletu, enikezwa umboleki ngamunye ngonyaka. Uma ubona noma yikuphi ukuphulwa, kufanele ubhale isitatimende sokuthi idatha ayinembile, futhi unamathisele ikhophi yeresidi yokukhokha ngesikhathi esifanele.

Ukuze uqonde kangcono le nkinga, kungcono ukuthi uqale uthole ukuthi umlando wesikweletu unjani nokuthi abasebenzi basebhange bafinyelela kanjani kuwo. Lokhu kukhishwe mayelana nokuthi yiliphi umbolekisi obolekwe ngaphambili nokuthi uzibuyisele kanjani. Futhi amabhange athola le dokhumenti ngokubonga ngezinsizakalo zesikhungo somlando wesikweletu esinesivumelwano.

Okokuqala, ukuze kuxazululwe inkinga yokulungisa umlando wesikweletu, kuyadingeka (ngokusho kwezincomo zabathengi) ukukhipha imali entsha bese uyibuyisela ngesikhathi esifanele. Yiqiniso, isikweletu esikhulu kulokhu asikwazi ukubalwa, kepha umthengi omncane kuleli cala angatholakala. Into ebaluleke kakhulu ukufeza yonke imigomo yesivumelwano ukuze uphawu olubonakalayo luvele emlandweni wesikweletu.

Iphuzu liwukuthi le ndlela yokulungiswa iyinkimbinkimbi kakhulu, futhi ukubuyiselwa ngesikhathi akufanele kube yiboleti kuphela, kodwa nakho konke okukhokhwayo: insiza, intela nezinye. Ukulungiswa komlando wesikweletu kungathatha iminyaka eminingana, lapho umboleki angakhombisa ukuthi ulungisile, ngokukhokha ngesikhathi esifanele. Amabhange akholelwa ukuthi iminyaka emibili yisikhathi esiphezulu, esibonisa ukuthi umuntu onedumela elibi angase athembeke kakade.

Khumbula ukuthi wonke umuntu unamathuba okuxazulula le nkinga, into esemqoka ukuwasebenzisa ngesikhathi. Yiqiniso, kulula ukuphazamisa kunokulungisa. Isibonelo, enye indlela yokulungisa umlando wesikweletu ukuthola ikhadi lesikweletu, ozolisebenzisa njalo futhi ukhokhele isikweletu ngesikhathi. Khona-ke ibhange lizokwazi ukukunikeza imali mboleko ezuzayo emva kwesikhathi. Uma abasebenzi benemibuzo mayelana nemalimboleko yakho yangaphambili, zama ukuchaza konke, usitshele ngezinkinga zezezimali. Yiqiniso, uma ungazange ukhokhe imali ebolekayo, ungawandi ngalokhu ukuze ugcine idumela lomboleki ohloniphekile.

Abaningi bangase babe nombuzo mayelana nendlela yokulungisa umlando wesikweletu ngokuphelele, okungukuthi, ukuwukhipha? Ngeshwa, le ndlela ayikwenzeka. Uma usayina inkontileka, uyavumelana nephuzu lokuthi ibhange lingadlulisela idatha mayelana nawe kumsebenzi we-credit history. Uma kukhona izinkinga ekulungiseleleni, isibonelo, ukuba khona kwezinto ezingadingekile, kufanele uxhumane nebhange, okufanele liqhube uphenyo ngephutha. Ngokweziphakamiso ezinikezwe, abasebenzi basebhange bazothatha izinyathelo ezifanele.