Ama-Pitfalls Ahambisana Nezinhlelo Zokuhlawula Izikweletu

Ukuqedwa kwesikweletu kuvame ukukhangiswa njengeyona ndlela engcono yokuthola ukukhululeka lapho usenkingeni yezimali futhi ungakwazi ukukhokha eminye imali nganoma yisiphi isikweletu noma imalimboleko. Kodwa-ke, akunjalo. Ukuqedwa kwesikweletu kuyaziwa ukushiya okweletayo kubi kakhulu kunangaphambili kokuzama ukukhokha isikweletu. Abantu abasebunzimeni bezezimali bangathonywa yimikhangiso noma okunye ukukhangisa okuthembisa ukukhokha isikweletu sekhadi lesikweletu samasenti we-50 kudola. Isilinganiso sokuthengisa sokuqedwa kwezikweletu ngokuvamile sikuveza njengokungcono kunokwelulekwa ngesikweletu, ukuqiniswa kwesikweletu noma ukuqothuka. Kodwa-ke, abantu bathole ukuthi okunikezwa izikweletu ngemali elula kuyindlela elula yokulahlekelwa ngaphezulu kwe- $ 800 ezinkokhokhweni ezinkampanini zokuhlawula isikweletu.

Ngokungafani nokuqothuka, ukukhokhela isikweletu akuyona indlela eqinisekisiwe yokuphuma esikweletini. Amabhange noma abanye abakweletayo ababophekile ukuthi basebenze namafemu okuqedwa kwezikweletu. Amafemu okuqedwa kwezikweletu ajwayele ukucela abantu ukuthi bayeke ukukhokha izikweletu zabo futhi bathumele imali enkampanini yokuhlawula isikweletu esikhundleni ukuze bongele inkokhelo yesamba esizayo nalabo abakweletwayo. Izinkampani ezikhokhela izikweletu zizama ukuxoxisana namabhange futhi zixazululwe engxenyeni encane yezikweletu zakho. Izinkampani ezikhokhela izikweletu ngokuvamile zikhokhisa imali ephezulu nangaphezulu kanye nephesenti lemali ekhokhwayo njengengxenye yezimali ezikhokhwayo. Abakweletwayo ngokuvamile ngeke basikhokhele isikweletu ngaphandle kokuthi kudlulile ngenxa yalokho okusho ukuthi kufanele uyeke ukukhokha ama-akhawunti akho ngaleyo ndlela ubavumele ukuba badlule esikhathini esifanele. Okwamanje, ukukhokha sekwedlule isikhathi kubikwa kuma-bureaus wesikweletu bese kuthi isikweletu sakho sithathe indawo. Ungaqala nokwamukela izingcingo zokuqoqa.

Ukukhokha sekwephuzile kuhlala kumibiko yesikweletu yomuntu isikhathi esifinyelela eminyakeni eyi-7 noma kuze kube yilapho umlando wokukhokha ongemuhle uthathelwa ngolwazi oluthile oluqondile. Uzobhekana nobunzima ekutholeni amakhadi wesikweletu noma abolekisiwe futhi ungahle ube nesikhathi esinzima sokuthola isilinganiso esihle somshuwalense. Izinkampani ezingalawulekile zokuqeda isikweletu azenzi mzamo wokufinyelela lapho ukhokha imali njalo. Abakweletwayo bavame ukugwema ukusebenzelana nezinkampani zokuqeda izikweletu futhi okuvusa usongo olungaba khona lokuqongelelwa kwezikweletu enkantolo. Abakweletwayo bangahle basebenzise amaqhinga asemthethweni okuqoqa imali oyikweletayo ngokuhlobisa iholo njll. Ngezinye izikhathi inqubo yokuqedwa kwezikweletu empeleni ingaphumelela kubantu abathile kepha lezo zimo zimbalwa futhi zisekude phakathi.

Noma inqubo yokuqedwa kwesikweletu iphumelela ibanga lesikweletu sakho ithinteka kakhulu lapho iba nomthelela ongemuhle kumaki wakho wesikweletu esizayo. Ababolekisi besikhathi esizayo ababheka umbiko wakho wesikweletu bayakwazi ukubona ukuthi isikweletu sakho sikhokhile esikhundleni sokusikhokha ngaphandle kokuthi okweletayo avume ukususa imininingwane engemihle ehlala esikweletini sakho ngisho nangemva kokukhokha imali leyo. Kwezinye izimo ngisho nangemva kokuthola imali ephumelelayo, abantu basaxhashazwa izinhlangano zokuqoqa imali esele yesikweletu sabo sokuqala. Noma ngabe inani elisele lesikweletu lithethelelwe ngokuphelele kusengabuya ukukuphatha kabi njengoba i-IRS idinga ukubalwa isikweletu esikhanseliwe kakhulu njengeholo. Ngakho-ke uzokweleta intela ngemali ocabanga ukuthi uyigcinile.

Kubalulekile ukwenza ucwaningo olufanele ngaphambi kokubhaliswa nenkampani yokuhlawula isikweletu. Amafemu okuqedwa kwezikweletu awekho emthethweni futhi awalungele isimo sakho. A Isahluko se-13 sokufa kungasiza umuntu ukuthi akhokhe isikweletu sakhe ngaphansi kwemibandela enengqondo nangesikhathi esilinganiselwe. Ngakho-ke thintana nomuntu ofanelekayo futhi onekhono ummeli wokuqothuka ukuxoxa kahle ngezinketho zakho.

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