Ikkalkula zikwelete

Amwaambe mweelwe achiindi chakweleta, mweelwe wampindu anzila zyakubbadela.
Chibelesyo chakubalila chiyoobala mweelwe wamali ayelede kubbadalwa, zikwelete antoomwe amali aakweletesya.

Bantu biingi balikubelesya nzila zyakukweletesya kuula zintu zyiingi. Mabbanki ambunga zitali zyamabbanki zipa zikwelete mubukkale bwiindene-indene. Nubweza cikwelete chipati, mbuli chitondeezyo, kuula ŋanda, moota, cikwelete chakuyaka ng'anda naakuti kuyaka makwebo aako, nchintu chibotu kuziba kuti ulakonzya kubbadela cikwelete eechi. Kuti ube alusyomo mukusala pulogilamu imwi yakukweletesya, tulakulwaizya kuti ubelesye kkalenda lyesu lyakukweleta. Bika mweelwe wezikwelete, chiindi chakubbadela chikwelete mumyezi antoomwe amweelwe wampindu mumasena ayelede, mpawo utondeezye musyobo wamali ngoyelede kubbadela - amwaka naakuti aaindene, mpawo ulakonzya kujana kuti ncibeela nzi chazikwelete zibelesyegwa kubbadela cikwelete, alimwi ino ncibeela nzi chiya kubbadela nkomo yazikwelete, mweelwe uusyaala wazikwelete zyako amwezi, mweelwe wamali ngoyelede kubbadela, mwezi amwezi achiindi choonse chazikwelete, antoomwe amweelwe wini wampindu yazikwelete.

Kubbadela kwaandeene

Aawo nzila yiindene yakubbadela cikwelete, mweelwe wazikwelete ulaabwa muzibeela zyeelene. Masheya aaya ngaapanga bunji bwamali ngobbadela mwezi amwezi. Izyakasyeede ziiminina nkomo yazikwelete zitanabbadelwa. Aboobo, mwezi amwezi mweelwe wamali aabbadelwa uyaansi.
Nzila eeyi yakubbadela cikwelete ilaampindu.
Chipati nkakuti cikwelete eechi nzila yakubbadela zikwelete nchintu chiyumu kujana.
Ibbanki yeelede kubala mweelwe mupati wazikwelete kweendelanya akuti naa sikukweletesya ulakonzya kubbadela zibeela zyakusaanguna. Eezi zyaamba kuti kuti ujane cikwelete eechi weelede kuba amali manji. Chimwi chiindi, chikwabilizyo naakuti kujatikizyigwa kwabasikusyomezya naakuti basikukweleta antoomwe kulakonzya kugwasya.
Chimwi chintu chibi nchakuti chisela chakusanguna chachiindi chakubbadela nchintu chiyumu kuli sikukweletesya. Kuti katuli kwaambuula aatala achikwelete chipati, eechi chilakonzya kuba mukuli mupati kuli sikukweletesya. Asi kunembo ooku kubula mpindu kulakonzya kusanduka kuba mpindu. Kutanta kwamiulo yamali akuseluka kwampindu zipa kuti kubbadela kutabi kukatazya pe.

Mali yakubbadela amwaka

Aawo nzila yakubbadela cikwelete, teensi buyo mweelwe wezikwelete ulaabwa muzibeela zyeelene, pesi alubo ampindu yachikwelete muchiindi choonse chachikwelete. Aboobo, sikukweletesya ulabbadela zibeela zyeelene muchiindi choonse chakubbadela. Mazubaano, eeyi nzila yakubbadela ilabelesyegwa amabbanki manji. Bubi bupati bwamali aabbadelwa amwaka mbwakuti mweelwe wamali aayinda kubbadalwa achikwelete uyooba mupati kwiinda nzila iindene. Mukuyungizya, nzila yakubbadela mali amwaka iyeeyela kuti mucheelo chakusanguna chachiindi chakweleta ulabbadela mpindu yazikwelete. Mweelwe mupati wazikwelete zyachiindi eechi uchili afwaafwi pe.

Mamanino

Kuti koyanda kubweza cikwelete chiingi mpawo kotayandi kuchijola kakuchili chiindi, cikwelete chili anzila yakubbadela amwaka nchibotu kuli nduwe.
Muziindi zimwi, ikapati kuti kwasika kukukweletesya kwachiindi chilamfu, nkubotu kusala banki iipa zikwelete zyamali aasiyene.