» Umhlobiso » Ukutshalwa kwezimali kumadayimane, i.e. ukuthenga amadayimane njengotshalomali

Ukutshalwa kwezimali kumadayimane, i.e. ukuthenga amadayimane njengotshalomali

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Ukutshala imali kumadayimanewutshalomali oluhle noluthembekile esikhathini eside. Ayikho ngaphansi kokwehla kwenani, njengokheshi, noma ukukhishwa kwekhapitapitali, njengezimpahla ezingashintshi. Lokhu kungenxa yokuthi izici ezibonakalayo zedayimane ezinquma inani lalo ziyafana ngaso sonke isikhathi.

Nokho, lapho uthenga, udinga ukunaka lokho okulondoloziwe izici zekhwalithi zamatshe (isitifiketi). Ukuhlanza, okukhulu kwedayimane, kuba ngcono umbala kanye nezilinganiso zokusikwa (okuthakazelisayo nakakhulu ukukhazimula), inzuzo ethembeke kakhulu futhi kulula ukuthengisa kabusha. Ngakho-ke, sincoma ukuthi uqale ufune izeluleko zochwepheshe onokwethenjelwa ngaphambi kokutshala imali yakho.

Imaphi amadayimane okufanele utshale kuwo?

Amadayimane emingcele ehlukahlukene kanye nenani lezentengiselwano ayambiwa. I-10% yezibonelo ezimbiwayo ziwusizo ngokwemihlobiso. Ngokusho kongoti,kuphela u-0,2% wamadayimane asezingeni eliphezulu ngokwanele ukuthi angatshalwa kuwo. Yiziphi izici ezibhekwayo lapho kuhlolwa amadayimane? Isikali sesine sisetshenziselwa amadayimane akhethwe abahlobi. C: isisindo - i-carat, umbala - umbala, ukucaca kwedayimane - ukucaca nokusika - ukusika. Lesi yisikali esibaluleke kakhulu nakumtshali-zimali. Amatshe ekhwalithi ye-H/SI2 aziswa kakhulu phakathi kwamadayimane otshalomali angcono kakhulu. Kodwa-ke, umtshali-zimali kufanele aqondiswe yimibandela eyengeziwe. Idayimane elifanele lobucwebe, isibonelo, linombala obizwa ngokuthi "omhlophe omsulwa." Eqinisweni, lawa amatshe angenambala. Kodwa-ke, ukutshalwa kwezimali okunenzuzo kakhulu kumadayimane kungamasampula nge umbala oyingqayizivelenjengo pink. Ukuze uhlole ngokusobala inani ledayimane elimbiwe, thintana nochwepheshe. Idayimane ngalinye elithengiwe kufanele libe nesitifiketi esifanele sekhwalithi. Okufanelekile, lokhu kufanele kube isitifiketi samazwe ngamazwe se-GIA, i-IGI noma i-HRD. 

Ukutshalwa kwezimali okunenzuzo kumadayimane 

lapho utshalomali kumadayimane ukhokha kakhulu, kufanele ukhethe itshe elinobuhle obungenakuqhathaniswa namapharamitha. Ukutshalwa kwezimali ematsheni ombala othakazelisayo kungafinyelela inani eliphindwe kahlanu kunemali etshaliwe. Ngaphezu kwalokho Intengo yamadayimane ikhula ngokushesha okukhulu. Ngakho-ke, isilinganiso semali engenayo yeminyaka eyi-10 okungenani siyimali ephindwe kabili. Lokhu kuhlanganisa okukhulu kubatshalizimali, ngoba idayimane iyidiphozi yokonga yangempela. Ngakolunye uhlangothi, awunakulindela ukukwazi ukuthenga leli dayimane ngentengo encishisiwe. Izimo ezinjalo azikho. Ngakho-ke, uma idayimane elinesaphulelo litholakala ukuze lithengwe, kunengqondo ukuhlola kabili okunikezwayo.

Ukutshala imali kumadayimane kuyisinqumo esihle uma idayimane linikezwe isitifiketi esifanelekile samazwe ngamazwe. Njalo hlola izilungiselelo futhi ufune izeluleko zochwepheshe. Kunjalo utshalomali kumadayimane iwusizo kakhulu kunamanye amagugu.