Njengomthetho, i-accountancy ibandakanyeka ekubaleni ubude bexesha le-inshorensi kwaye lithembele kulo ukukhubazeka kwexeshana. Nangona kunjalo, kude kube njalo ezi zibalo zicacile kwaye ziqondakala kumqeshwa, ongenalwazi kumthetho wezabasebenzi, ngoko kunzima ukuphawula iimpazamo ezingaqhelekanga okanye ngokuzikhethela ekubaleni. Makhe sibone oko kufakwe kwi-inshurensi yamava kunye nendlela yokubala ubude benkonzo yekhefu lokugula.
Yintoni ebandakanywe kubude bomshuwalense?
Ngoko, amava e-inshurensi yimizuzu yomsebenzi womqeshwa, ngexesha apho ingeniso yakhe yahlawulwa kwingxowa-mali yomshuwalense. Kufuneka ukuba zibandakanye amaxesha anjalo:
- sebenza phantsi kwesivumelwano somsebenzi, ngexesha lokuncitshiswa kwintlawulo ye-inshurensi yenziwa kumvuzo womqeshwa;
- amaxesha kamasipala, inkonzo yoluntu okanye yoluntu;
- amaxesha apho umqeshwa engaphantsi kwomshuwalense wezenhlalakahle, uquka ukukhulelwa kunye nokubeletha ukuya kwiminyaka emithathu, ukunyamekela izihlobo ezidinga ukunakekelwa rhoqo, njl.
- amaxesha apho oosomashishini ngabanye bazinikela ngokuzithandela iminikelo kwingxowa-mali.
Indlela yokuchonga ubude benkonzo yekhefu lokugula?
Ukubala, udinga incwadi yomsebenzi kunye ne-calculator. Ukubala kulula: kuyimfuneko yokongeza onke amaxesha apho iintlawulo zentlawulo yomshuwalense zenziwe. Ukuba ezinye zazo azibhalwanga kwincwadi yokusebenzela, unokusebenzisa iikontraki zabasebenzi. Kungenzeka ukuba ixesha elibandakanya ubude bomshuwalense luya kuhambelana (umzekelo, umnini-mveliso wangasese osebenza phantsi kwesivumelwano, kodwa wenza neminikelo yokuzithandela), kulo mzekelo esinye sezikhathi kwisicelo somqeshwa sithathwa ingqalelo.
Amava omsebenzi wekhefu lokugula
Ikhadi lokushiya eligulayo okanye, ngokuchanekileyo, iphepha lokukhubazeka komsebenzi, sisisiseko sokukhulula kwimisebenzi yomsebenzi malunga nokukhubazeka nokulondolozwa kwemivuzo yomqeshwa. Isibhedlele, kuxhomekeke kubude benkonzo, ihlawulwa ngeendlela ezahlukeneyo:
- ukuba ngaba umsebenzi wakho ungaphantsi kweenyanga ezintandathu, ungalindela intlawulo efaniswa nomvuzo omncinci;
- Ubuncinane iminyaka emi-5 yenkonzo, i-60% yomvuzo omyinge womqeshwa uhlawulwa;
- ukususela kwiminyaka emi-5 ukuya kwe-8 iminyaka engama-80% wemvuzo ophakathi ihlawulelwa;
- ukuba ngaba umsebenzi wamava uneminyaka engaphezu kwe-8, umvuzo omyinge uhlawulelwa ngokupheleleyo.
Kwezinye iimeko, ubude benkonzo esibhedlele abukhathazekiyo: ukubuyiswa kwingozi efunyenwe emsebenzini, ukukhulelwa kunye nokunakekelwa kwabantwana ukuya kwiminyaka emithathu, kula maxesha, umvuzo omyinge kufuneka uhlawulwe. Kwakhona, umvuzo omyinge uhlawulwa ngokugcwele kubathathi-nxaxheba ekuhlaleni imiphumo yentlekele yaseChernobyl, impi ye-Great Patriotic War kunye nabazali kwimeko yokugula komntwana ongaphantsi kweminyaka eyi-14 ubudala.
Ukuze uqinisekise inani omele ulihlawule ngalo uluhlu olugulayo, ngaphandle kobude bomshuwalense, kufuneka ukwazi umvuzo wakho oqhelekileyo okanye oqhelekileyo wemali yosuku olusemthethweni kwaye ubale
Iintsuku ezingasebenzi, iiveki kunye neeholide ezenzeka ngexesha lokukhubazeka komsebenzi azihlawulwa, kodwa ukuba ukugula kwenzeka ngexesha leeholide, ngoko ke iyahlawulwa ngokubanzi, kwimeko apho ikhefu inokunyulwa okanye enye inokuthi ihlehliselwe kwenye ixesha.
Kubalulekile ukukhumbuza ukuba kunokwenzeka ukuba ufumane isibonelelo esibhedlele ukusuka kwindawo yangaphambili yomsebenzi, ukuba akukho ngaphaya kwenyanga eyadlulile ukususela ngexesha lokuxoshwa kwada kwaqala ukukhubazeka. Ubungakanani bentlawulo buya kuxhomekeka kubude bomsebenzi kwintlangano, kodwa kuya kwenziwa nangona unesithuba esincinci se-inshorensi.