Mipata ya Dipatimenti ya Zamankhwala pa Nthawi Yonse ya Misonkho ya Zolakwa
Kusamalira kayendetsedwe ka ndalama ndi ntchito yosavuta ndipo kumafuna kuti muzisamala nthawi zonse. Gawo lirilonse la phindu la ndalama - kuyambira pamene wodwala akukonzekeretsa nthawi yomwe amalipira kuti atulandile kampani ya inshuwalansi - ndizofunikira kwambiri kuwonjezera kubweza kwa inshuwalansi.
Ndikofunikira kuti phindu la ndalama la chipatala kapena ofesi ya udokotala likhale ndi gawo pa gawo lililonse la ndalama.
Osati kokha mudzalandira malipiro panthaŵi yake komanso kuchepetsa kulemetsa kwa ogwira ntchito, kulipira ndalama zoyendetsera ntchito, ndipo makamaka chofunika kukhala ndi ubale wabwino ndi odwala anu.
1. Inshuwalansi ya Inshuwalansi
Mzungukidwe wa ndalama uyenera kuyamba asanafike wodwalayo. Pokhapokha pamene wapatsidwa, mauthenga a inshuwalansi a wodwalayo ayenera kutsimikiziridwa. Chifukwa chakuti chithandizo cha inshuwalansi chingasinthe nthawi iliyonse, ngakhale kwa odwala nthawi zonse, nkofunika kuti wothandizira atsimikizire kuti wothandizirayo ali woyenera nthawi iliyonse mautumiki aperekedwa. Phindu lopeza inshuwalansi kutsimikizira wodwalayo asanakhalepo:
- Lembetsani kukana kutsutsa chifukwa cha uthenga wodwala wosayenera
- Pezani zilolezo zam'mbuyomu
- Onetsetsani kulembetsa mofulumira ndi / kapena kulola kubwezeretsa
- Onetsetsani kuti ndi chithandizo chotani cha mankhwala chomwe chikuphimbidwa / chosaphimbidwa
- Pezani zokhudzana ndi malipiro a wodwalayo, ndalama zothandizira, komanso deductible
2. Misonkhano Yapamwamba
Njira yofulumira kwambiri yowonjezera ndalama ndi kukonzanso ndalama zotsalira ndikusonkhanitsa udindo wodwala kutsogolo. Odwala safuna kulipira kapena ndi ovuta kufika pokhapokha ataperekedwa. M'malo modikirira mpaka kusonkhanitsa gawo la ndalama, otsogolera ayenera kugwiritsa ntchito mwayi wokambirana za ndalama komanso kusonkhanitsa malipiro odwala pamayambiriro.
Adziwitse odwala asanakhale ndi udindo wawo womwe akuyenera kukhala nawo ndikuwathandiza kuzindikira kuti malipiro amafunikira misonkhano isanachitike.
Komanso, uphungu wa zachuma ukhoza kuthandizira kudziwa kuti wodwalayo ali woyenera kuthandizidwa ndi anthu, thandizo lachikondi kapena ndondomeko zothandizira, zomwe zingakhale zovuta kuchita ngati wodwala atalandira kale chithandizo. Ntchitoyi idzakuthandizira kuchepetsa ntchito yothandizira ndalama komanso kukonzanso ntchito yosonkhanitsa.
3. Kulembera Malonda Oyera
Kutumiza chiyero choyera ndi njira yokhayo yobweretsera ngongole yoyamba nthawi yoyamba . Kulipilira molondola nthawi yoyamba kudzatchinjiriza kuchedwa kwa kukakamizidwa kwa malingaliro, ndipo, nthawi zina, kubwezera kwakukulu. Chidziwitso choyera ndi chimodzi chomwe chimakwaniritsidwa molingana ndi makampani a inshuwaransi ndi ndondomeko za kulipira boma la federal.
Vuto lalikulu kwa opereka ndilo kuzindikira ndi kutsatira malamulo enieni othandizira kuwerengera. Ngakhale kuti nkhani zokopera sizifukwa zokha zotsutsa za inshuwalansi, nthawi zina zikhoza kunyalanyazidwa chifukwa cha kuchepetsa malipiro ochepa kusiyana ndi kukana kwina komwe sikungakhale ndi kubwezera ngati chithandizo cholakwika cha odwala. Ndikofunikira kuti olemba ndi olemba ndalama azikhala ndi chidziwitso pazitsogozo zotsatsa kwa onse ogwira ntchito.
Kumbukirani kuonetsetsa kuti zomwe wodwalayo akudziwa ndizolondola kuti asamakhulupirire.
4. Kugwiritsa Ntchito Mwamsanga Kutaya
Ambiri ogulitsa inshuwalansi amafunika kulipira kapena kupereka chithandizo mwa kulemba pasanathe masiku 30 kuchokera pamene alandira. Chigamulo chimene sichinachitike mkati mwa masiku 30 chimachitidwa chilango cha chiwongoladzanja, komabe, kulipidwa chiwongoladzanja sichinali cholinga chanu. Cholinga chanu ndicholipira mwamsanga. Kugwiritsa ntchito njira zowonetsera kukana kungapangitse masiku AR kukhala ofunika kwambiri.
- Onetsani ogwira ntchito yanu akulipira malonda pazinthu zamasiku 10 zamalonda zamankhwala zamakono zomwe zimaperekedwa komanso mapepala a mapepala 15 a mapepala kuti awonetsere kuti malondawa alandidwa ndi kupeza ngati chigamulocho chatsinthidwa kale.
- Ngati malonda atakana kale, woimira milandu akhoza kukuwuzani pa foni mmalo mwa kuyembekezera kuti mukukana kuti abwere ku makalata. Chinthu chokhacho chingakonzedwe.
- Ngati chigamulo sichilandiridwe nkomwe, mumadziwa mofulumira kuti mutumizenso zomwe mudzinenerazo.
5. Kufotokozera Malipiro
Chotsatira choyendetsera kayendetsedwe ka ndalama ndi kubwereza malipiro a chilungamo. Onetsetsani kuti mukulandira malipiro onse pa mgwirizano wanu wa inshuwalansi. Nthaŵi zina kubwezera kochepa kungapangidwe chifukwa cha zolakwika zokopera kapena mwina zolakwitsa zopangidwa ndi wothandizira inshuwalansi. Kusagwirizana kulikonse kuyenera kuyankhidwa mwamsanga kuti athe kuthetsedweratu panthaŵi yake.