Lump-sum franchise lero ndi njira yodziwikiratu pazomwe zimaperekedwa pamsika wamalonda. Ndalama zolipiritsa sizowonjezera chabe ndalama zolowera pakhomo kuti mulandire ufulu woyimira zofuna za chizindikirocho, kugwira ntchito mogwirizana ndi malingaliro awo. Ndalama zolipiritsa ndi ndalama zoyambilira zoperekedwa kwa wogulitsa ufuluwo kwa wogulitsa pambuyo pomaliza ntchitoyi komanso ufulu wosagwira ntchito mdera linalake usanachitike, malinga ndi momwe zinthu zilili. Lump-sum franchise imaphatikizaponso maphunziro a omwe ali ndi mwayi wogulitsa ndalama, kulangizidwa, kuthandizidwa pakukweza bizinesi, kuchezera malo ogulitsira, kupereka kwa makasitomala, ndi zina zambiri. Lero, mpikisano ukachuluka, sikuti aliyense amagwiritsa ntchito ndalama zolipirira. Kuchuluka kwa zolowerera kumatsimikiziridwa ndi zomwe kampaniyo imafuna kuyambitsa ndikuthandizira mnzake kuti azisamalira, ngakhale pang'ono pokha phindu.

Sizovuta kuyambitsa bizinesi panokha, chifukwa chake chilolezo ndi chiyambi chenicheni chochitira bizinesi, kulowa mumsika pansi pa dzina lodziwika bwino, kuyambira pomwepo kuyambira pomwe omwe ali ndi chidaliro pamaluso awo, mwayi ndipo muli ndi nthawi yambiri yopuma. Chidziwitso ndi luso la kasamalidwe, kupeza makasitomala, kuwonetsa zambiri, komanso kutsatsa ndizofunikira. Pofuna kuti musavutike, sankhani chilolezo choyenera kapena chopanda ndalama, muyenera kugwira ntchito ndi malo ogulitsa, monga kabukhu ka ma franchise. Ndikosavuta kusankha chilolezo kudzera m'ndandanda, powona mtengo wa ndalama, zikhalidwe, ndi zizindikilo zina. Sitoloyo imawonetsa zonse, kuchuluka kwake, komanso momwe akufunira, zakhala zaka zingati pamsika, phindu lomwe wogulitsa amayembekezera, zomwe wogulitsayo amapereka, ndi zina zambiri. Kuphatikiza pakupeza mnzake, sitoloyo ndiyabwino lengezani kuyika, ndikufalikira, kufalikira padziko lonse lapansi. Ndikoyenera kukumbukira kuti malo ogulitsira ambiri, amakulitsa kufunika, kuzindikira, kupindulitsa, komanso phindu.

Ndalama zochotseredwa zimawonetsedwa pakuwerengera ngati phindu lomwe likupezeka pogulitsa katundu, ntchito, ndi zina. Ndalama zolipirira zimasiyanasiyana kutengera mtengo wa chilolezocho, potengera mitundu yotsika mtengo komanso yotsika mtengo. Kutembenukira ku sitolo, ndikosavuta kusankha zomwe mumakonda. Mwachitsanzo, simunasankhebe kusankha bizinesi yanu, zilibe kanthu. Mutha kuwona zotsatsa zonse ndi ndalama zochuluka kapena kulowa chilolezo chofunikira mu injini zosakira. Palinso magulu ndi magulu ang'onoang'ono. Mukamasankha mwayi, muyenera kulipira chidwi ndi dera, mtengo, zikhalidwe, kulipira, kulipira ndalama, ndi zina zambiri.

Monga lamulo, mitundu yofunidwa kwambiri yama franchise ndi malo ogulitsira mwachangu, katundu, malo ogwirira ntchito, ma laboratories, ma salon okongola, ndi zina zambiri. Mutha kugula chilolezo chotsika mtengo popanda zolipiritsa. Chopereka cha ndalama ndi mtundu wa guarantor kwa franchisor kuti agwirizane kwambiri ndi wogulitsa ufuluwo, motero bizinesi yonse imayamba kuyambira pomwe amalipira ndalama, zomwe zimapangitsa kukhala ndi malingaliro ndi malingaliro. Monga lamulo, popanda kulipira ndalama zambiri, chilolezocho chimagwira ntchito pazinthu zokha, poganizira kugula kwawo ndi kugulitsa, ndipo kuchotsera kwina sikofunikira pano. Ndalama yolipira ndalama kapena m'malo mwake ndalama sizibwezeredwa. Ndalama zolipirira ndalama zonse zimakhala za nthawi imodzi komanso zosasinthika. Sitolo yogulitsira malonda imalola kupulumutsa pamalonda, kuwonjezeka kwa anthu, ndikupeza anthu amalingaliro ofanana pakati pa amalonda ndi ogulitsa.

Zochita zonse zimawonetsedwa komanso zothandiza. Akatswiri athu amatithandizira nthawi yayitali, kufunsa, ndikukambirana, kupereka zambiri ndi upangiri pakukweza ndi kutsatsa. Chifukwa chiyani kuli kopindulitsa kugula chilolezo? Chifukwa amakuthandizani pophunzitsa ogwira ntchito, perekani kuwerengetsa kuchuluka kwa phindu lakanthawi, poganizira mapangidwe ake, pakupanga tsamba lawebusayiti, kukulitsa kasitomala, ndi zina zambiri. Ziwopsezo zazing'ono, ngakhale kuganizira mtanda woyamba -sum malipiro. Chopereka cha ndalama sichingadutse makumi awiri ndi asanu peresenti ya mtengo wa chilolezocho, chifukwa wogulitsa chilolezo amatha kuwerengera zonse pawokha, poganizira zomwe zilipo. Ndikofunikira kudziwa kuti kutsatsa nthawi zambiri sikofunikira, poganizira za kupezeka ndi kupezeka kwa kabuku ka franchise tsiku lililonse. Mukadutsa m'ndandanda, mutha kudziwana ndi chilolezocho komanso ndalama zolipira, ndi zopereka zotchuka komanso mitundu yotsika mtengo yamabizinesi, malingaliro ndi mapulojekiti, malo okhala, komanso ma CD.

Zambiri zimapezeka kuchokera kwa akatswiri athu, omwe amapereka upangiri pamanambala omwe atchulidwa, komanso kupita ku sitolo, kuwerenga ndemanga za makasitomala athu, kupeza zofunikira, ndi zina zotero. Tikuyembekezera kutenga nawo gawo komanso kudzidalira. Tikuyembekezera mgwirizano wopindulitsa kwa zaka zambiri zikubwerazi.

Chilolezo chotsuka magalimoto ndi ntchito yaposachedwa kwambiri. Kuti muchite bwino momwemo, muyenera kugwiritsa ntchito mapulogalamu apamwamba kwambiri. Kuphatikiza apo, mukamagulitsa chilolezo, mumakhala ndi maudindo osiyanasiyana. Choyamba, pakufunika kulipira chindapusa chomwe franchisor amayembekezera kuchokera kwa inu pamwezi. Kuphatikiza apo, pochita ndi chilolezo chotsuka magalimoto, munthu amayenera kusonkhanitsa mayankho amakasitomala nthawi zonse. Akudziwitsani za zovuta zomwe adakumana nazo.

Mukazilemba bwino izi, mutha kusintha kwambiri magwiridwe antchito. Chikalata cha umwini wa chilolezo chotsuka mgalimoto sichimangolemba maudindo anu komanso ufulu wanu chifukwa ndi mgwirizano womwe ungamalizidwe kuyang'anira zochitika.

Kusamba magalimoto kuyenera kukhala koyera, ndipo kutsatira malamulo a chilolezo kumatsimikizira kuti mukutsatira malamulowo. Mutha kutsatira mosamalitsa malamulo omwe adakhazikitsidwa, pomwe magawo a kuyeretsa ndi zinthu zina zazing'ono zitha kuwonetsedwa, zomwe pamapeto pake zimapanga bizinesi yabwino. Gwiritsani ntchito kusamba kwamagalimoto anu mosamala mwatsatanetsatane, ndipo musaiwale zazikulu. Muyenera kugwiritsa ntchito zonse zomwe franchisor adachita, zomwe ali wokonzeka kugawana nanu. Kupatula apo, woimira chizindikiro ali ndi chidwi chowonetsetsa kuti ndalama zomwe mumapeza ndizokwanira. Kupatula apo, ndinu okonzeka kugawana ndalama zanu popanga ndalama zoyenera.

Choyamba, ndi chopereka cha ndalama. Kuchuluka kwake kumatha kukhala mpaka 11% yazogulitsa zoyambirira mu chilolezo chotsuka magalimoto. Koma, kuwonjezera apo, palinso zolipira pamwezi, zomwe siziyeneranso kunyalanyazidwa. Kuchuluka kwawo kumatha kukhala mpaka 9% yazopeza pamwezi kapena ndalama zomwe kampani yanu imalandira. Zimatengera zomwe mudagwirizana ndi winayo pazogulitsidwazo.

Gwiritsani ntchito kusanthula kwama swot mukamagwira ntchito ndi chilolezo chotsuka magalimoto. Chida ichi chikuthandizani kudziwa mphamvu ndi kufooka kwa ntchitoyi komanso zomwe muyenera kuchita kuti mukulitse mwayiwo. Zoyipanso zikuwonekeranso, zomwe zikutanthauza kuti mutha kuthana ndi ntchito iliyonse yomwe mwapatsidwa. Apatseni mwayi otsutsana nawo pogula chilolezo chotsuka bwino kwambiri pagalimoto. Chifukwa chake, mutha kuthana ndi zovuta zilizonse pantchito yopanga. Mwaukadaulo, mutha kudziwa kuchuluka kwa momwe mungalandire malinga ndi nthawi.

Chifukwa chake, zidzakhala zotheka kugawa zomwe zikubwera mwanjira yabwino kwambiri. Zowonadi, mkati mwa chilolezo chotsuka, muyenera kuthandiza mwachangu ndi moyenera aliyense amene akugwiritsa ntchito.

Kupanga ntchito yabizinesi pogwiritsa ntchito ukadaulo wapamwamba kumakuthandizani kuti mugwire bwino ntchito iliyonse yaofesi. Chilolezo chotsuka magalimoto chingakuthandizeni kuthana ndi zovuta ngati zingachitike. Kupatula apo, mudzakhala ndi ukadaulo womwe mungathe, kudziwa momwe mungachitire, dongosolo lamabizinesi ogwira ntchito, ndi maubwino ena angapo omwe sayenera kunyalanyazidwa. Sinthani bizinesi yanu kuti musasokonezeke. Makina ochita bwino amakupatsani mwayi wochita chilichonse, zomwe zikutanthauza kuti simudzakhala ndi zovuta mtsogolo. Pulojekiti yochita bwino yosambitsa magalimoto ndi mwayi wopeza zotsatira zabwino, ndipo nthawi yomweyo, mumagwiritsa ntchito zinthu zochepa.

M'dera lonse lapansi, ndikofunikira kupititsa patsogolo chizindikirocho kuti kutchuka kwake kuzimiririka. Ndi chifukwa chake woyimilira chilolezo chotsuka magalimoto amakulipirani ndalama pamwezi, zomwe ndi 3% ya ndalama zomwe mwalandira munthawiyo.

Ntchito zotsatsa mukamalowa mumsika wogulitsa galimoto yanu iyenera kuchitidwa motsatira malamulo. Mukamagwira ntchito ndi projekiti, muyeneranso kulabadira maphunziro a omwe akuwagwirani ntchito, kuwonjezera pa mawonekedwe awo, akuyeneranso kuyenerana ndi ntchito zapakati ngati gawo la kutsuka kwagalimoto. Zotsutsa zonse ndi zonena za makasitomala ziyenera kukumana mwaulemu koma mwamphamvu. Mosakayikira mudzalandira chitsogozo chofunikira komanso chofunikira kuchokera kwa wogulitsa ndipo izi zidzakupatsani lingaliro lamomwe mungachitire. Pulojekiti yokonza moyenera yogulitsa magalimoto ikupatsani mwayi wabwino wothana ndi zovuta zilizonse, zomwe ndizabwino kwambiri. Gwiritsani ntchito moyenera komanso moyenera pogawa zinthu m'malo osungira mosamala kwambiri.

Mapulogalamu apadera amathanso kuthandizira izi. Kupewa kuchuluka kwambiri ndikofunikira kuti musakhale ndi zipinda zambiri. Chifukwa chake, zotsukira zanu ndi zina zotsuka ma car franchise ziyenera kusungidwa moyenera momwe zingathere, potero muchepetse malo osungira. Komanso, chisamaliro chapadera chiyenera kulipidwa pamakonzedwe akunja a bizinesiyo. Kuphatikiza pa kavalidwe, mudzafunikanso kutsatira malamulo ena opangira mabokosi, pomwe magalimoto amatsukidwa, malinga ndi chilolezo chotsuka magalimoto. Maonekedwe akunja ndi amkati akuyeneranso kukhala ogwirizana ndi mtundu woyambirira. Izi zidzakupatsani mpikisano waukulu kwambiri.

Chilolezo chotsuka magalimoto ndi ntchito yomwe ikuyenera kuyendetsedwa ndikuwunika mwatsatanetsatane. Iyi ndi njira yokhayo yomwe mungapezere zotsatira zabwino ndikukhala wazamalonda wopambana kwambiri yemwe wagonjetsa otsutsa onse ndikukhazikitsa malo ake pamsika ngati mtsogoleri wopanda chitsutso. Mukamagwira ntchito ndi chilolezo, ndikofunikira kukumbukira kuti bizinesi yamtunduwu imakhudzanso kufunikira kosinthira ndalama zomwe mwapeza kuti zithandizire kumaakaunti a franchisor. Wogulitsayo amayembekezeranso ndalama kuchokera kwa inu zotsatsa ndi kutsatsa. Izi ziyeneranso kuganiziridwa ngati mukutsatsa chilolezo. Ngati mukusambitsa galimoto, ndiye kuti chilolezocho chikuyenera kukwaniritsa zofunikira ndi omwe akuyimira mtunduwo.

Ichi ndi chizolowezi chofala ndipo palibe chilichonse chapadera. Ichi ndichifukwa chake mumatenga chilolezo chotsuka magalimoto kuti mugwiritse ntchito chidziwitso chonse ndi zomwe wochita bizinesi wodziwa zambiri ali wokonzeka kukupatsani.

Ngati mukuyambitsa kutsuka kwamagalimoto pamalayisensi, ndikofunikira kukumbukira kuti kale koyambirira ndikofunikira kupanga bajeti mpaka 11% ya ndalama zonse kuti musamutsire kumaakaunti a franchisor. Iyi ndi ndalama yolipira kamodzi, komabe, mudzakhalanso ndi ndalama zina mukamagwira ntchito ndi chilolezo chotsuka magalimoto. Tiyeneranso kutchula kuti zigwira ntchito moyenera, komabe, kuchotsera mpaka 3% kuyenera kuperekedwa ngati chothandizira pantchito zotsatsa padziko lonse lapansi. Kuphatikiza apo, chilolezo chotsuka magalimoto chimaperekanso kufalitsa komwe kumatchedwa mafumu. Royalty sichinthu china koma mtundu wapadera wa renti kuti muthe kugulitsa ntchito zanu kapena katundu pansi pa dzina lodziwika bwino. Zachidziwikire, mutha kuvomerezana pazogwirizana ndikuchepetsa chiwongola dzanja, kapena kupatula chopereka.

Ndiye, mukamayendetsa chilolezo chotsuka motoka, muyenera kuchita zina. Adzakuthandizani kubwezera franchisor chifukwa chotayika ndalama zomwe samalandira. Ichi ndi chizolowezi chofala ndipo mgwirizano ukhoza kuchitidwa pokomera onse.

Kukhazikitsa chilolezo chotsuka magalimoto kumatha kuphatikizira ndalama zonse ndi zofunikira kugula zinthu zina. Ngati tikulankhula za kutsuka magalimoto, itha kukhala shampu kapena mitundu ina ya zotsekemera, komanso phula wina wopukutira magalimoto. Chilolezo ndi mtundu wa zochitika mukapeza mtundu wogwira mtima komanso wolimbikitsa, kambiranani zaufulu wogawa ndikugulitsa m'malo mwake. Muthanso kudalira kuti oyang'anira adzatumizidwa kwa inu. Chilolezo chotsuka magalimoto chitha kutsimikizika potumiza wosamvetsetsa. Munthuyu athe kudziwa nthawi yomweyo ngati mungakwaniritse zomwe oyimira mtundu woyambirira amagwiritsira ntchito kuthandizira.

Ngati chilolezo chotsuka mgalimoto sichitsatira malamulowo, mutha kuchotsedwa ufulu wogawa zokha.

Chilolezo chotsuka magalimoto sichimangotengera kuyendetsa mtundu wodziwika bwino. Gulu lonse la maubwino omwe amaperekedwa kuti akwaniritse ntchito zamtunduwu ndizazikulu. Izi zitha kutchedwa suti, zinthu zapadera zoyeretsa, maphunziro apadera a ogwira ntchito, zidziwitso zosiyanasiyana, ndi zina. Ndizovuta kulembetsa mndandanda wonse wamapindu omwe mumapeza mukamagulitsa chilolezo chotsuka magalimoto. Ntchito zamtunduwu zimafunikanso kuti mugwire ntchito zakuofesi pogwiritsa ntchito kasitomala woyang'anira ubale. Mutha kulandira dongosolo ngati bonasi kuchokera kwa mwini wa chilolezo chosambitsa magalimoto, kapena muyenera kupanga mwayi woyenera nokha.

Kugwira ntchito ndi magawo osiyanasiyana osiyanasiyana ndi mwayi wopeza zofunikira zonse zomwe zingapezeke pamsika. Chilolezo chotsuka magalimoto chimakupatsani mwayi uliwonse wokopa makasitomala ambiri momwe mungathere. Anthu adzayamikira mwayi wogwiritsa ntchito mtundu wotchuka kwambiri padziko lonse lapansi, chifukwa chake, kale mu izi, mudzakhala bwino kuposa omwe mupikisana nawo. Chilolezo chotsuka magalimoto chitha kugwiritsa ntchito ntchitoyi kutulutsa zina zomwe zitha kupindulitsa kasitomala. Mwachitsanzo, mutha kugawa timapepala tomwe timasungika kuti musunge zinthu zosiyanasiyana mgalimoto yanu. Izi zikuthandizani kuti mupambane mpikisano pochita zochulukirapo kwa kasitomala yemwe akubwera.

Chilolezo chotsuka magalimoto chimakupatsani mwayi wogwira ntchito moyenera komanso moyenera, ndipo njira yokhazikitsira makasitomala ayenera kuchitidwa moyenera. Mukakonza makasitomala malinga ndi zofunikira zina, mudzatha kulumikizana nawo bwino, zomwe ndizosavuta. Sinthani zida zosungira kuti athe kutenga malo ochepa. Ikhozanso kukhala imodzi mwazinthu zopangira chilolezo chotsuka magalimoto. Kupatula apo, mumakhala ndi malamulo amomwe mungagwiritsire ntchito ntchito zanu. Ndondomeko yamabizinesi yopanga bwino komanso kupezeka kwa kusanthula kwa swot ndizofunikira zofunikira kuti zinthu zikuyendere bwino pamakani ampikisano ngakhale ndi omwe akupikisana nawo kwambiri.

Franchise ndi franchisee ndizogwirizana kwambiri. Ngati mukufuna chilolezo, ndiye kuti mukapeza mutha kukhala chilolezo. Iyi ndi bizinesi yopindulitsa kwambiri, pakukhazikitsa komwe muyenera kutsatira malamulowo ndikuperekedwa ndi malamulo a chilolezo. Simuyenera kuchita kubwera ndi china chatsopano, kukonzanso bizinesi, kuchita zina zovuta. Ndikofunikira kokha kugula bizinesi yokonzedwa bwino, yotchedwa chilolezo. Wogulitsa chilolezo ndi munthu amene amakhala ndi ufulu wogwiritsa ntchito zida zomwe kampani iliyonse yabwino imagwiritsa ntchito popanga bizinesi.

Simusowa kuti mupange chilichonse kuyambira pachiyambi, muyenera kungogwiritsa ntchito lingaliro lokonzekera. Kuphatikiza apo, dzinali ladziwika kale, zomwe zikutanthauza kuti ndalama zowonjezerapo chidziwitso chazizindikiro zimachepa kwambiri.

Monga gawo la chilolezo, wolamulirayo ayenera kuuza okhawo okhawo kuti ofesi yoyimilira idatsegulira dera lawo. Ndiotsika mtengo kwambiri kuposa kutsatsa mtundu wosadziwika kuyambira pachiyambi. Franchise ikhoza kukhala khofi yomwe mumagula cafe pafupi m'mawa, shopu komwe mumagula, pizzeria yomwe ili ndi dzina lapadziko lonse lapansi ndipo ili pafupi ndi kasitomala wamba.

Ma Franchise ali paliponse ndipo akutchuka. Bizinesi yokonzekera yotsegulira mtundu wa chilolezo imalola wogulitsa chilolezo kuti azingogwiritsa ntchito ndalama zomwe zilipo kale mu bizinesi yoyeserera kale. Mukungoyenera kukhazikitsa moyenera zoperekedwa ndi chilolezo chololeza. Wogulitsa chilolezo sakhala pachiwopsezo chilichonse, popeza pali bizinesi kumbuyo kwake, dzina lodziwika bwino, chidziwitso chachikulu chomwe chakhala chikusonkhanitsidwa kwazaka zambiri kapena ngakhale zaka makumi ambiri zantchito yamphamvu.

Kugulitsa chilolezo kumadziwika ndi kutchuka kwambiri mdziko lililonse. Munthu amene angafune kukhala wolandila ndalama atha kungopeza ndalama, kupeza anthu ogwira ntchito malinga ndi momwe angafunire, kupanga bizinesi, ndi kupeza zotsatira. Ngakhale zinthuzo nthawi zambiri zimachotsedwa kudziko lomwe amachokera. Izi ndizosavuta chifukwa mutha kupulumutsa anthu ogwira ntchito ndi zandalama. Palibe chifukwa chokhazikitsira njira kapena kugwira ntchito pamtundu. Zonsezi zilipo kale kwa inu ndipo zatsala ndikukhazikitsa mtundu wa biz wokonzeka womwe umabweretsa ndalama ngati bonasi.

Wogulitsa chilolezo amatha kugwiritsa ntchito bwino chilolezocho, kulandira gawo lalikulu lazachuma chomwe angathe. Malamulo a chilolezocho amakambidwa mwachindunji ndi omwe amapereka ndipo akhoza kukhala osiyana. Mwachitsanzo, nthawi zonse mumatha kutenga gawo la phindu, kapena mutha kuvomereza pazinthu zina, zimatengera mwini wa mtundu womwe wagwiritsidwa ntchito.

Ndikokwanira kungogula chilolezo ndikugwiritsa ntchito zomwe zakhala zikuchitika ndi mibadwo yam'mbuyomu zikafika pamalonda akale. Muyenera kukhala osamala kwambiri ndikupewa zolakwitsa chifukwa zolakwika zilizonse pakupanga chilolezo zitha kuzindikiridwa kenako wolowererayo amalandira zovuta m'malo mopindula. Koma izi sizomwe zimachitika kawirikawiri, chifukwa chake, muyenera kuyang'ana pakukwaniritsa koyenera kwamaofesi.

Kutsatira chilolezo ndikuwonjezera zowonjezera pamakampani ampikisano. Kupatula apo, ma franchise ambiri amagwiritsa ntchito njira yakomweko, mwachitsanzo, ku McDonald's amagulitsa zikondamoyo ngati zili ku Russia. Ngati chilolezo chofananira cha McDonald chitsegulidwa ku Kazakhstan, ndiye kuti cafe yodyera mwachangu imapatsa mwayi wosankha ma burger omwe ali ndi nyama ya akavalo kwa anthu amderalo.

Chilolezo chodziyimira panokha ndichinthu chofunikira kwambiri pabizinesi. Kuti mugwire nawo ntchito bwino popanda mavuto mtsogolo, ndikofunikira kutsatira mosamalitsa miyezo ndi malamulo amtundu wapano. Amalandira kuchokera kwa franchisor limodzi ndi kusaina mgwirizano. Zachidziwikire, mukamaliza mgwirizano, mufunika kulipira ndalama zambiri. Izi ndi zina mwa kuchuluka kwa ndalama zanu zomwe franchisor amalandira ngati chindapusa. Mwakutero, amakupatsirani chilolezo chapamwamba, pogwiritsa ntchito mwayi wanu wopanga bizinesi yanu kutengera zidziwitso zaposachedwa.

Mukamayanjana ndi chilolezo chotsuka magalimoto, simuyenera kukhala ndi zovuta zilizonse, chifukwa sizovuta kwenikweni pokhudzana ndi chilengedwe komanso kuvomerezeka kwa ntchitoyi. Komabe, miyezo ina yazachilengedwe iyenerabe kuwonedwa. Mwachitsanzo, ngati mukugwira ntchito yodziyendetsa pawokha, ndikupanga ntchitoyi pa chilolezo, muyenera kupereka komwe zinyalala zidzatuluke. Kupatula apo, awa si madzi okha, komanso madzi odzazidwa ndi zoyeretsa zosiyanasiyana komanso dothi. Kukhetsa koyenera ndiye chinsinsi chamtendere wanu wamumtima chifukwa sipadzakhala madandaulo kuchokera ku bungwe loyang'anira, zomwe zikutanthauza kuti mudzatha kupewa chindapusa chosiyanasiyana ndi zilango zina.

Chilolezo chodziyimira panokha ndi ntchito yamabizinesi komwe mumalipira ndalama pamwezi. Choyamba, pali mafumu. Kuchuluka kwake kumatha kuchokera ku 3 mpaka 6%, komanso, kuchuluka kwake kudzawerengedwa ngati kuchuluka kwa ndalama zomwe mudakwanitsa kulandira mwezi watha. Kuphatikiza apo, ngati mukugulitsa chilolezo chotsukira galimoto, palinso kulipira kwina. Amatchedwa kuti malonda otsatsa, omwe adzachitike padziko lonse lapansi ndi wogulitsa. Sakhala ndi udindo uliwonse kwa inu wokhudza momwe amawonongera ndalama zomwe adalandira.

Mutha kukhala otsimikiza kuti wogulitsayo akugulitsa ndalama zochulukirapo pazotsatsa. Kupatula apo, ngati chilolezo chodziyimira panokha chosavomerezeka sichitha kutchuka, mosakayikira chimasiya kukhulupirira omvera. Chizindikirocho chimakula kapena kugwa, kuchepa ndikosowa. Kudzidalira kumayenera kuganiziridwa moyenera ngati muli ndi chilolezo chotsuka magalimoto. Fotokozerani makasitomala anu momwe njira yolumikizirana ndi zida. Adzamvetsetsa zonse. Chilolezocho chimagulidwa kuti chidebe chanu chikhale chokongoletsedweratu, chifukwa chake, ziyenera kuyang'aniridwa mosamalitsa.