Umvuzo wangaphambili: uyicela nini, njani kwaye phi

Umvuzo kunye nesaphulelo sangaphambili somvuzo

Njengoko usazi, xa unomsebenzi ufumana umvuzo. Ngumvuzo wakho kwaye ixesha elininzi uhlawulwa nge-payroll, rhoqo ekupheleni kwenyanga. Kodwa ngamanye amaxesha Iimeko zinokuthi zenzeke apho kufuneka uhlawulwe ngaphambili. Oku kubizwa ngokuba yi-payroll advance kwaye ababaninzi abantu abaziyo ukuba bangayicela.

Kodwa yintoni kanye kanye? Yimalini enokuodolwa kwangaphambili? Kukho iintlobo ezininzi? Kwenzeka ntoni emva koko? Ukuba unomdla kwisifundo, ke sikunika zonke izitshixo ukuze ulinganise.

Yintoni i-payroll advance

Okokuqala, kufuneka uqonde ukuba yintoni na ukuhlawulwa kwangaphambili kwaye uzibhenca ntoni xa uyicela. Ikwabizwa ngokuba "yi-payroll advance" kwaye ithetha ukuba inkampani ihlawula umvuzo, oko kukuthi, umvuzo, kumsebenzi kwangaphambili ngenxa yesizathu esithile.

Ngokwenene eli lilungelo umsebenzi analo kwaye liqukiwe kuMthetho waBasebenzi. Ngokukodwa, kwinqaku le-29 ye-ET Kodwa inokulawulwa (ihlala ingcono) kwizivumelwano ezihlangeneyo.

Xa ucela ukuhlawula kwangaphambili, kungekhona nje inkampani enokuyinika, kodwa kunye neebhanki okanye iinkampani zabucala. Njengomgaqo oqhelekileyo, i-payroll advance isoloko icatshulwa kumvuzo we-net, oko kukuthi, ukutsalwa kokubini koKhuseleko lweNtlalo kunye nerhafu yengeniso yomntu ehlawulwa ngumsebenzi.

Ingakanani imali enokucelwa kwangaphambili

Intlawulo yokuhlawula kwangaphambili

UMthetho waBasebenzi awuqulunqi naliphi na inani elichanekileyo elinxulumene nomvuzo ongaphambili, kodwa ngesivumelwano esihlangeneyo kunokubakho ipesenti ephezulu. Oku kusekwe kwiimeko ezininzi kwi-90% yomvuzo. Oko kukuthi, ubungenakuwufumana wonke umvuzo wenyanga ngaphambi kokuba uwugqibe.

Nangona kunjalo, kukho iinkampani ezinokuthi, kungakhathaliseki ukuba sisebenza phi, zinokubonelela ngentlawulo yemivuzo yexesha elizayo, oko kukuthi, ukufumana imali ehambelana neentlawulo ezininzi zexesha elizayo.

Ngubani ofanele acele i-payroll advance

Xa ucela kwangaphambili, umntu ekufuneka ekwenzile usoloko engumsebenzi okanye umsebenzi. Phantse isoloko yenziwa kwinkampani osebenza kuyo, kwaye Kufuneka ucele umphathi othe ngqo okanye isebe lezabasebenzi.

Aba badla ngokuba nefomu yesicelo kuba kamva kufuneka bavavanye ukuba ngaba loo nkqubela inikezelwe ngenene okanye hayi.

Kwimeko yeebhanki okanye iinkampani zabucala, kufuneka kwakhona ibe ngumnini-akhawunti okanye umntu ophuma kuye loo luhlu lwemivuzo ekufuneka ayenze.

Ithini inkqubo ye-payroll advance

Khawucinge nje ngemeko yomsebenzi ofuna imali yomvuzo wakhe kwangaphambili ukuze ahlawule iindleko ebezingalindelekanga.

Into yokuqala ekufuneka uyenzile kukuthetha nomphathi wakho malunga nesicelo. Basenokuthi: mhlawumbi bakunike uxwebhu onokuthi ulugcwalise (ukuba banalo enkampanini) okanye bakucele ukuba uthethe nesebe lezabasebenzi.

Kwimeko enye okanye enye, oko kukuthi, nokuba kukho ifomu, umsebenzi kufuneka afumane impendulo eqinisekisiweyo okanye engalunganga malunga nesicelo sakhe.

Ukuba i-affirmative, inkampani iya kuba noxanduva lokuqhubela phambili umvuzo kodwa Eli nyathelo liya kubonakala nakwi-software yakho yomvuzo ukuze, ukuze kuthathwe ipeyiroli yaloo nyanga, intlawulo yangaphambili enikiweyo ibonakaliswe nomhla wayo kunye nesixa esiya kunciphisa itotali oya kuyifumana ekupheleni kwenyanga.

Oku kuya kuza ngokukodwa “kolunye utsalo-mali”, apho intlawulo yangaphambili enikiweyo iya kuchazwa.

iintlobo zenkqubela phambili

Ukuhanjiswa kwemali

Xa ucinga ngenkqubela phambili, njengoko usenokuba uyifundile into esiyithethileyo, kukho iindidi ezininzi:

I-Advance of the days sele isebenzile

Ngokomzekelo, khawube nomfanekiso-ngqondweni womntu osebenza ngomhla wama-20 esiya kumphathi wakhe aze acele ukuba arhole ngaphambili. Ukuba malunga neentsuku esele zisetyenzisiwe, nto leyo unelungelo layo nguMthetho waBasebenzi, ngoko ke umvuzo wawunokuhlawulwa de kube ngowe-19 (ngowe-20 ukuba uye wasebenza ngokupheleleyo).

Le yeyona nto ixhaphakileyo kwaye kufuneka emva koko iboniswe kuluhlu lwemivuzo njengesaphulelo.

Ukuqhubela phambili kwemivuzo yexesha elizayo

Kule meko, iSimiselo saBasebenzi asithethi nto, kodwa ngesivumelwano esihlanganyelweyo, abasebenzi banokuvunyelwa ukuba bacele i-advance kumvuzo wexesha elizayo.

Oko kukuthi, iintsuku ezingekasetyenzwa kodwa zihlawulwe ngaphambili.

Ukuhlawulwa kwangaphambili kweentlawulo ezongezelelweyo

Enye ingqikelelo esinokuyifumana yeyeentlawulo ezongezelelweyo. Ukuba ezi zifunyenwe kwiinyanga ezipheleleyo, zingacelwa kwixa elizayo ukuba nje oko kubonakala kwisivumelwano esihlangeneyo.

Ukuba akunjalo, inkampani ayinayo imbopheleleko yokubanika, kwaye apha isigqibo senkampani sinokungena ngakumbi kuxhomekeke kwimeko yomsebenzi.

Kutheni kuluncedo ukuba ne-payroll kunye nesoftware yolawulo lwe-HR

Intlawulo yenziwa

Kwinkampani, ulawulo lomvuzo lunokuba nzima kakhulu. Isebe leHR lilo elizinikele ekudaleni nasekujongeni ukuba akukho ziphene kuzo. Nangona kunjalo, ukuba inkqubo yokuhlawula isetyenzisiwe, nje ukuba idatha ifakiwe, akuyi kubakho zimpazamo kwaye akuyi kuba yimfuneko ukuzilawula ngesandla okanye ufake idatha nganye nganye kwaye inyanga nenyanga.

Phakathi kwezinto eziluncedo ezibonelelwa zezi software zezi:

  • Lawula ubuqhophololo kunye neempazamo. Ngamanye amazwi, ekubeni yinkqubo eya kulawula i-payroll, ngaphandle kweempazamo ezivezwe xa iprogram, ukungaphumeleli okanye ukukhwabanisa kwinkampani kuyaphetshwa, ngoko ixesha alilahlekanga okanye ukungathembani kudalwe.
  • Intlawulo ekhawulezayo nesebenzayo. Kuba ngokubhatala ngokuzenzekelayo, unokuhlawula ngokukhawuleza kwaye oko kuvumela inkuthazo enkulu kubasebenzi.
  • Ziphephe izohlwayo. Ngenxa yempazamo kwiirhafu, ukulibala, njl. Ukuba nayo yonke into kwinkqubo enye kwenza kube lula ukufumana iziphumo zokugqibela ngaphandle kokoyika ukwenza iimpazamo.
  • Ugcino olukhulu. Kwiindleko zabantu kwaye nangexesha. Kwimizuzwana nje ubuya kuba nomvuzo wabo bonke abasebenzi kwaye naxa kufuneka wenze iintlawulo zangaphambili, ukufaka le datha kulula kakhulu kwaye ngokukhawuleza, ngaphandle kokuguqula i-payroll ngokwayo, ekubeni inkqubo ijongene nokwenza. izibalo.

Ngaba ukhe wasebenzisa intlawulo yangaphambili kunye nenkampani yakho? Yayinjani inkqubo?


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