Uqhawulo-mtshato lube yimfesane elusizi yolwalamano lomtshato lwangoku. Ngokweenkcukacha-manani, kwiminyaka emibini yokuqala ukuya kwemithathu emva komtshato iphela ukuya kuthi ga kwi-50% yeentsapho. Ngeli xesha, uqhawulo-mtshato lwamaqabane kwiimeko ezininzi lubandakanya kunye necandelo lepropathi.
Ngokwe-1 yobugcisa. I-38 yekhowudi yosapho ye-Russian Federation, icandelo lepropathi yamaqabane alinakuveliswa kungekuphela nje kwinkqubo yokupheliswa komtshato, kodwa nasekutshatweni ngokwayo. Kubugcisa. I-34 ye-ice i-rf igxininisiwe ukuba ipropathi edibeneyo yipropathi yamaqabane, eyafunyanwa ngabo kwinkqubo yoMtshato. Kodwa kuthekani malunga nepropathi yokwenyani, efunyenwe yindlela yokuntywila? Ngaba yipropathi edibeneyo yamaqabane okanye yeqabane elenzelwe imali mboleko mali?
Ikhowudi yosapho ye-Russian Federation ichaza indawo yokuhlala efunyenwe kwindlu mali, njengepropathi efunyenweyo. Umsebenzi wemali mboleko mboleko, ngokutsho kokuziqhelanisa nokuziqhelanisa nokuzimisela okumiselweyo, idla ngokusasazwa phakathi kwamaqabane akwela maqula apho kukhutshwa khona igumbi. Ukuba amaqabane abanini-nye, ityala lemali mboleko ikwahanjiswa phakathi kwawo ngokulinganayo.
Ngenxa yokuba amaqabane ahlala eqeqeshelwa ukuba abe mboleko, ukuba omnye wabatshati uya kuyibuyisela imali-mboleko, uya kwamkela ilungelo elipheleleyo lokufumana imali ehlawulwa kwiqabane lesibini elihlawulelweyo.
Ingxaki ka-Anna Volodhenko
Eyona ndlela ibalulekileyo kunye nefutha yecandelo lemali yokubambisa phakathi kwamaqabane avela ngokwesivumelwano sabo. Ukuba iyasilela ukuba iqulunqwe, ihlala ibelana ngendlu mali enkundleni. Zithini izinto ozikhethileyo kule meko? Inketho yokuqala yindawo yokuhlala yobambiso kunye neentlawulo zentlawulo zihamba ukusuka kumaqabane afumana umvuzo ophezulu kwaye uyakwazi ukuhlawula imali mboleko yemali.
Ukuba omnye wabatshati ulungele ukushiya amalungelo akhe kwindlu yobambiso kwaye usuka kwimbophelelo yokuhlawula ityala, kunyanzelekile ukuba ugqibe isivumelwano kwiCandelo leProjekthi eQinisekayo. Kwangelo xesha, elo qabane lifumana indlu kunyanzelekile ukuba lihlawule iqabane lesibini elila ilungelo lokuhlala, inxenye yexabiso elihlawulwe njengeentlawulo zolwalamano lomtshato.
Inketho yesibini kukuthengiswa kwendlu mali, intlawulo yamatyala kwiziko letyala, kwaye ukuba kukho iindlela ezikhoyo-icandelo labo phakathi kwamaqabane alinganayo okanye kumaqhezu athile. Kodwa kuyimfuneko ukuba uqonde ukuba kuzo zombini amatyala amaqabane aya kufuna imvume yombutho wetyala ukuba aphumeze anendlu yobambiso.
Kwimeko apho amaqabane ngaphambi komtshato okanye emtshatweni, wagqitywa umtshato wesivumelwano somtshato, igumbi elingelwe kwimali ebambilini lahlulwe yangena kwimvumelwano yomtshato.
Ke, uMono unika i-algorithm elandelayo yezenzo kwicandelo lendlu mali yokuthenga ngexesha loqhawulo mtshato. Okokuqala, kuyimfuneko ukuqukumbela isivumelwano sokuhlaliswa kweCandelo lePropathi yePropathi yeZindlu eziQhelekileyo. Emva koko uqhawulo-mtshato emva koko lubhaliswe ngokusemthethweni, emva koko amaqabane afumileyo athunyelwa kwiziko letyala elinesivumelwano sehlabathi kunye nesatifikethi sokuqhawula umtshato, kunye namaxwebhu kwinani lengeniso yomyeni wakhe kunyaka ophelileyo.
Ukuba iBhanki ivumelana nesivumelwano sehlabathi sabatshati, amaxwebhu emali mboleko etsha aphakanyisiweyo- nokuba sisivumelwano semali mboleko kumaqabane ahlala entsatsheni, okanye izivumelwano ezimbini zetyala kumaqabane afumileyo ukuba Qhubeka nokuhlawula imali mboleko kunye.
Imeko eyahlukileyo licandelo lendlu yemali kwindlu yoqhawulo mtshato kwimeko yabantwana abancinci. Kule meko, inkundla, njengommiselo, ushiya inani elikhulu lendlu yamaqabane awo amaqabane awo
abantwana abancinci. Kodwa kule meko, uninzi lweentlawulo kwimali mboleko kuya kufuneka zihlawule kuloo nto yamaqabane aya kufumana uninzi lwendlu. Kukufanele ukukhunjulwa ukuba ubukho bomntwana awuyi kuqwalaselwa njengento ethintela ukubuyiselwa kwetyala kwimeko yokupheliswa kwemali mboleko mali.
Ukuba elinye lamaqabane okanye omabini amaqabane ayeke ukubuyisa imali mboleko mali, ibhanki ichaza ukuthengisa. Kule meko, iindlela eziqhelekileyo zokumiliselwa kwepropathi ebekiweyo sele zibandakanyiwe. Ukuba emva kokuthengisa igumbi apho kukho iindlela zazo ezityhafisa iBhanki ngeZibophelelo zamatyala, zilingana nenani lemilinganiso phakathi kwamaqabane akhoyo.
Ewe kunjalo, icandelo elinobuchule lepropathi, kubandakanya nendlu mali, kufuna ukubandakanyeka kwegqwetha eliqeqeshiweyo okanye igqwetha eliza kunceda ukukhusela amalungelo abo kunye nezinto ezisemthethweni zebhanki okanye elinye iqabane.