Amafriji amancaneyilezo ezinevolumu ebangeni elingamalitha angama-50, ezingasetshenziselwa ukufaka esiqandisini ukudla okufana neziphuzo noshizi. Ngokusho kokuthengiswa kwesiqandisi emhlabeni wonke ngo-2024, umthamo wokuthengisa wamafriji amancane uyamangalisa. Ngakolunye uhlangothi, abantu abaningi abasebenza kude nasekhaya banezimo eziningi zokusebenzisa ezindlini zabo eziqashisayo. Ngakolunye uhlangothi, izihambi eziningi ezizishayelayo nazo zidinga amafriji amancane, futhi ingxenye yokusetshenziswa ifinyelela ku-80%. Okubaluleke kakhulu ukuthi intengo iphansi ngo-30% uma iqhathaniswa nezinye izinhlobo. Uma kuziwa enanini, abahlinzeki abahlukene banikeza amanani ahlukene. Ngakho-ke, singabakhetha kanjani abahlinzeki abanikeza inani elihle lemali?
Kusukela kusici sobuciko, amafriji amancane anobuciko obuhle kakhulu ngokuvamile afika nenani eliphezulu kakhulu. Nokho, lokho akusho ukuthi awekho ashibhile. Ngokuvamile, intengo embonini ishintshashintsha cishe ngo-5%. Ngokuhlaziya iminyaka yokusebenza kwebhizinisi kwabahlinzeki, singahlulela ulwazi lwabo lokukhiqiza namandla aphelele. Ngokuqhathanisa phakathi kwabahlinzeki abaningi, labo abanobuciko obuhle kanye nenani eliphansi kufanelekile ukukhetha.
Kungani izintengo zabahlinzeki baseShayina ngokuvamile ziphansi? Ngenxa yezici ezifana nezindleko eziphansi zempahla eluhlaza kanye nezindleko zabasebenzi emakethe, abathengisi abaningi bakhetha ukungenisa imikhiqizo yaseShayina, njengoba zonke izindinganiso zabo zekhwalithi zihlangabezana namazinga kazwelonke wezindawo ezihlukahlukene zokuthumela ngaphandle.
Ngokombono wemakethe, iningi labathengi abakhetha amafriji amancane okuhweba abantu abasha. Amazwe anenkomba yokusetshenziswa okuphezulu kakhulu amazwe asathuthuka. Ngakho-ke, amanani anikezwa abahlinzeki emazweni ahlukene ayahluka. Izinga lemikhiqizo evela emazweni aseYurophu naseMelika ngokuvamile lihle, kodwa amanani aphakeme kakhulu. Ngokuhlaziya okuphelele, amaqembu ahlukene abasebenzisi angakwazi ukukhetha ngokwamandla abo okusebenzisa.
Umphakeli we-Nenwell uhlinzeka ngamafriji amancane okuhweba ahlangabezana nezidingo zabasebenzisi abaningi. Ihileleke ocwaningweni, ekuthuthukisweni nasekukhiqizeni amafriji eziqandisi aphakathi nendawo ukuya phezulu futhi inikeza abasebenzisi izixazululo nezinsizakalo zekhwalithi ephezulu.
Ngokwezici zentengo, lapho kokubili ikhwalithi namasevisi kuqinisekiswa, abahlinzeki abanamanani aphansi kufanele bakhethe kuqala. Uma uneminye imibandela, ungabhekisela kwabanye abahlinzeki-mpahla abambalwa ukuze ukhethe.
Amaphuzu okufanele uwaqaphele lapho ukhetha amafriji amancane ngokwezifiso:
1.Khetha abahlinzeki abavamile abanegama elithile (kufanele babe nemibhalo yebhizinisi, isikhathi eside sokubhalisa, kanye nesithunzi esihle ku-inthanethi).
2.Yenza uhlu olucacile lwezidingo zakho zokwenza ngokwezifiso (okuhlanganisa imodeli, usayizi, ukubukeka, namandla).
3.Yenza umsebenzi omuhle ekuhloleni umkhiqizo (hlola ukuthi umkhiqizo usesimweni esijwayelekile ngaphandle kokulimala, nokuthi asikho yini isitifiketi sokuhambisana nekhadi lewaranti).
Qaphela ukuthi kufanele ugweme ukukhetha abahlinzeki beziqandisi zohlobo ezingaziwa, njengoba zingase zilethe izingozi eziningi ezingalawuleki. Ikakhulukazi kubahlinzeki bebenzeli, njengoba bengenalo idumela elithile ngokwabo, izinkinga ezihlukahlukene zingase zenzeke phakathi nenqubo yokuthengiselana. Lokhu futhi isipiliyoni esiqoqwe nguNenwell phakathi neminyaka edlule.
Isikhathi sokuthumela: Dec-18-2024 Ukubukwa: