Akhawunti Financial: ukuba yintoni na?

Ukuba nayiphi intengiselwano nemihlaba umnini indlu baya kunyanzeleka ukuba angenise ingxelo-mali. Wenza ntoni na? Ngokomzekelo, ukuze uqinisekise ukungabikho angahlawulwanga irente. Nokuba thile propati ezithengiselwe amatyala ngeenkonzo eluncedo, kuya kufuneka ukuba uhlawule abanini abatsha.

UDwight acacise ngakumbi iinkcukacha, yintoni le akhawunti zemali kunye zobuqu.

definition

Financial akhawunti zakho luyafumaneka kwi ndawo. Nokumisa kwakhe ukuba ipropati bobabo umnini ethile, ibonisa ukuba inani labantu ababhalisiweyo kwisithuba ephilileyo, kwakunye libonisa ulwazi ngokubanzi malunga indlu okanye indlu.

Olu xwebhu luthi thaca imali ukuba umnini propati kufuneka ahlawule ngenyanga. Oku kuquka ezibizwayo lombane, lwamanzi, ukulungiswa, ukugcinwa kunye nangaphezulu. Kwakhona iimfuno akhawunti zemali kunye zobuqu ukuba lipelwe inkampani abalawuli iinkcukacha ngokupheleleyo izikhalazo kangangoko abemi kwimiba asakhulayo.

Ngokusekelwe yokufundwa yoxwebhu, abanini ahlawulele kuphela loo mali isetyenziswe kweenkonzo, ngaphandle kwabo ukuba kubalwa ngokwahlula-hlula isixa-mali ethe lwezindlu.

Ngubani inikeza uxwebhu

Xa ukuthengisa umnini propati ingacelwa ikopi ye-akhawunti yemali. Oku kwenziwa ukuze kuqinisekiswe ukuthembeka umnini wangaphambili. Ngamanye amazwi, umnini entsha indlu okanye indlu uyalinandipha izindlu kunye kungekho tyala.

Apho ukufumana akhawunti zemali zakho? Umnini zinokuqhagamshelana nomnye kwezi meko zilandelayo:

• yesithili semfundo 's MFC;
• ulawulo lali;
• isebe design.

Ukuze ufumane uxwebhu, kufuneka banike ubungqina bobunini, kwakunye eluviweni nesazisi. Kufuneka ke ukuba i-akhawunti yemali Kuphela ungalifumana umnini okanye umqeshi, lowo unegunya lokwenza.

Ungafumana oko, ngokuqhelekileyo ngosuku olulandelayo emva konyango. Kufuneka ube amaxwebhu efanayo xa isicelo.

Indlela ukuvula

Ukuze uvule i-akhawunti yemali kwipropati, kufuneka uqhagamshelane ne-ofisi yokundwendwela kunye zinto zilandelayo:

• yokundwendwela umnini propati;
• amaxwebhu leyo ukuqinisekisa ukuba lo mhlaba kwi ubunini ummi;
• kwisivumelwano ekugcinweni zonke iisiginitsha (oko zezindlu kunye nolawulo zokusebenza, ukukhonza ipropati ethile).

Ukuba kuyimfuneko, umqeshwa ofisi yokundwendwela unokucela amaxwebhu ukunika ilungelo lokutshintsha akhawunti. Ngokukodwa, kusenokuba kwesibophelelo ukuthengiswa eflethini okanye indlu, ngokunjalo namanye amaxwebhu ebonakalalisa ukuba lo propati yathatyathwa.

akhawunti yemali kwesampuli

akhawunti zemali kunye zakho, umfuziselo yayo eboniswe ngezantsi, inokufunyanwa njengoko ngesandla okanye ngeposi. Ngexesha efumene ikopi akhawunti zemali kufuneka ukukhangela yonke idatha kufuneka iqulathe. Umzekelo, oku kuquka:

1. Property: Inani lamagumbi, uhlobo lwezindlu, yaye ummandla ephilileyo iyonke.
2. Ezi eziluncedo malunga neenkonzo: zokufudumeza, ubonelelo lwamanzi, ukugcinwa bekwilift, ukususwa kwenkunkuma, kukho lwemijelo, igesi, umbane njalo njalo ..
3. Iinkcukacha ezizeleyo wabahleliyo abemi ebhalisiweyo.
4. Utyikityo accounting, zeengcali kunye visa oyintloko.

Kukho ukhetho nokuba ngummi uya kohluthwa iikopi ze-akhawunti yemali. Kodwa ke umntu kufuneka zilungise zokwala kwayo ngencwadi ebhaliweyo.