Samalirani chipukuta misozi chanu
Magalasi osweka ndi kupitirira, gawo 2 Mavuto enieni nthawi zambiri amayamba pamene tikuyesera kupeza chipukuta misozi kuchokera ku kampani ya inshuwalansi. Zotani ndiye?
Magalasi osweka ndi kupitirira, gawo 2
Werenganinso: Osalakwitsa! (Kuwonongeka ndi Kupitilira Gawo 1)
Kugundana pamsewu mosakayikira ndizovuta zomwe zimabweretsa mavuto. Komabe, mavuto enieni nthawi zambiri amayamba pambuyo pake, pamene tikuyesera kupeza chipukuta misozi kuchokera ku kampani ya inshuwalansi.
Makampani a inshuwalansi amayesa kutaya pang'ono momwe angathere polipira zowonongeka chifukwa cha ngozi zapamsewu, eni ake a galimoto amayesa kuonetsetsa kuti inshuwalansi ikulipira zotayika zomwe zawonongeka momwe angathere. Mkangano wamtunduwu nthawi zambiri umatanthawuza kuti mbali zonse ziwiri zidzamenyana molimbika pazifukwa zawo. Zoyenera kuchita kuti musataye ndalama pakukonza galimoto pambuyo pa ngozi ndikulandila chipukuta misozi kuchokera ku kampani ya inshuwalansi?
1. Fulumirani
Kubweza ngongoleyo kuyenera kulipidwa ndi inshuwaransi ya wolakwirayo. Tiyenera, komabe, kumudziwitsa za zomwe zidachitika. Mukangonena kuti zagunda, zimakhala bwino. Nthawi zambiri mumangokhala ndi masiku asanu ndi awiri oti muchite izi, ngakhale izi zitha kusiyanasiyana kumakampani.
2. Perekani chidziwitso chofunikira
Makampani a inshuwalansi amafuna zambiri zokhudza ngoziyi. Chikalata chofunika kwambiri ndi kuzindikira kuti kugunda kunachitika chifukwa cha wolakwa wa ngoziyo. Kuphatikiza apo, zidziwitso zake zimafunikira - dzina, surname, adilesi, dzina la kampani ya inshuwalansi, nambala ya ndondomeko, komanso deta yathu. Lipoti la apolisi lozindikiritsa wochita ngozi lingakhale lothandiza kwambiri - makampani a inshuwaransi samamufunsa, zomwe nthawi zambiri zimakhala ndi mawu olakwa olembedwa ndi wolakwayo. Galimoto yowonongeka siyenera kukonzedwa kapena kugwiritsidwa ntchito mpaka itayang'aniridwa ndi katswiri.
3 mwezi
Wopereka inshuwalansi ali ndi masiku 30 kuti alipire zowonongeka. Ngati sichikukwaniritsa tsiku lomaliza, titha kufunsira chiwongola dzanja chovomerezeka. Komabe, chigamulo pa mphoto yawo chimapangidwa ndi khoti, zomwe, monga mukudziwa, zingatenge nthawi.
4. Ndi ndalama kapena popanda
Makampani a inshuwalansi nthawi zambiri amagwiritsa ntchito mitundu iwiri ya malipiro: ndalama ndi zopanda ndalama. Pachiyambi choyamba, wowerengera awo amawunika zowonongeka, ndipo ngati tivomereza kuunikako, inshuwalansi imatilipira ndalama ndikukonza galimotoyo tokha. Njira yachiwiri, yomwe imalangizidwa kwambiri ndi akatswiri, ndiyo kubwezeretsa galimoto ku msonkhano womwe umagwirizana ndi kampani ya inshuwalansi yomwe imaphimba invoice yoperekedwa ndi iyo.
5. Yang'anani mitengo
Musanakonze galimoto, kuwunika kuwonongeka kuyenera kuchitidwa. Izi nthawi zambiri zimakhala gawo loyamba pomwe mikangano imayamba pakati pa inshuwaransi ndi dalaivala. Kawonedwe ka kampani ya inshuwaransi pa zomwe akufunafuna nthawi zambiri kumakhala kotsika kwambiri kuposa momwe timayembekezera. Ngati tivomereza zoperekedwazo, tidzayenera kubisa kusiyana pakati pa ndalamazi ndi invoice yochokera ku msonkhano tokha. Ngati, m'malingaliro athu, galimotoyo idalonjezedwa kukonzanso kwakukulu, ndipo kuwonongeka kumachepetsedwa, funsani malingaliro a akatswiri kuchokera kwa katswiri wodziimira payekha (mtengo PLN 200-400) ndikuwupereka kwa kampani ya inshuwalansi. Ngati kuunikako sikunatsimikizidwenso, zomwe tikuyenera kuchita ndikupita kukhoti.
6. Sonkhanitsani Zolemba
Pa nthawi yonseyi, nthawi zonse funsani mapepala oyendera galimoto, kuyesa komaliza ndi komaliza, ndi zosankha zilizonse. Kusapezeka kwawo kungalepheretse kuchita apilo.
7. Mutha kusankha msonkhano
Makampani a inshuwalansi nthawi zambiri amasiya ufulu wina posankha msonkhano umene udzasamalire galimoto yathu. Ngati tili ndi galimoto yatsopano, mwina tidzakakamira ndi mautumiki ovomerezeka chifukwa cha chitsimikizo chapano. Ogulitsa ovomerezeka, komabe, akhoza kukulipirani bilu yokongola kwambiri yokonza, ndipo sizachilendo kuti makampani a inshuwaransi ayese kutibweretsera zina mwa mtengowo, kutchula lingaliro la kuchepa kwa magawo. Nthawi zina zimakhala zopindulitsa kwambiri kugwiritsa ntchito ntchito zabwino, koma zotsika mtengo kwambiri, ngakhale izi zimagwiranso ntchito pamagalimoto omwe salinso pansi pa chitsimikizo.
8. Samalani pogula galimoto
Ngati galimoto yawonongeka kwambiri moti n’kosapindulitsa kuikonza, nthawi zambiri makampani a inshuwalansi amadzipereka kuti aigulenso. Kuyesako kumachitidwanso ndi wowerengera yemwe amagwira ntchito ndi kampaniyo, yemwe amayesa kutsimikizira kuwonongeka kwakukulu komwe kungatheke. Ngati sitigwirizana ndi mawuwo, tidzagwiritsa ntchito ntchito za katswiri wodziimira payekha. Ngakhale ma zloty mazana angapo adzayenera kulipiridwa pa ntchito yotereyi, koma nthawi zambiri njira yotereyi imalipirabe.
Malipiro ochokera ku Guarantee Fund
Kugulidwa kwa inshuwaransi ya chipani chachitatu ndikofunikira ndipo imagwira ntchito kwa madalaivala onse. Zimachitika, komabe, kuti munthu yemwe adayambitsa ngoziyi alibe inshuwaransi yofunikira. Pachifukwa ichi, kuthekera kwa kubweza ndalama zokonzanso ndi Guarantee Fund, yomwe idapangidwa mopanda malipiro kuchokera kumakampani a inshuwaransi komanso zilango zomwe sizingagulidwe ndi inshuwaransi ya inshuwaransi. Malipiro amaperekedwa kuchokera ku thumba la ndalama pokhapokha ngati palibe inshuwalansi yovomerezeka kwa wolakwayo, komanso pamene wochita ngoziyo sakudziwika. Timafunsira ndalama kuchokera ku thumba la ndalama kudzera ku kampani iliyonse ya inshuwaransi m'dzikolo yomwe imapereka inshuwaransi ya chipani chachitatu, ndipo mwalamulo kampani yotere siyingakane kulingalira za nkhaniyi. Wothandizira inshuwalansi amayenera kufufuza zochitika za ngozi ndikuwunika zowonongeka.
Fund ikukakamizika kulipira chipukuta misozi mkati mwa masiku 60 kuchokera tsiku lolandira chidziwitso cha chochitikacho. Tsiku lomalizira likhoza kusintha ngati mlandu waupandu wayambika. Ndiye gawo losatsutsika la phindu limalipidwa ndi thumba mkati mwa masiku 30 kuyambira tsiku lachidziwitso, ndipo gawo lotsalira - mpaka masiku 14 pambuyo pa kutha kwa ndondomeko.
Ngati chifukwa cha kugunda sichidziwika, mwachitsanzo, dalaivala anathawa pamalo a ngozi, Fund ya Guarantee imapereka malipiro okha chifukwa cha kuvulala kwa thupi. Ngati wolakwirayo akudziwika ndipo alibe inshuwaransi yovomerezeka ya boma, thumba la ndalama lidzabwezera munthu woyenerera kuvulazidwa kwa thupi ndi kuwonongeka kwa katundu.
Pamwamba pa nkhaniyi
