Ukuphathwa gadalala nako kunokuchaphazela abatyali mali. Ukusa kwinqanaba lokuba umdla wabo ungonzakaliswa. Apho banokuphulukana nenxalenye enkulu yolondolozo olutyalomali. Kwimeko yokungabikho koncedo malunga nento abanokuyenza kwaye zeziphi iintshukumo kunye nezenzo abanokuzibeka ukuze bakhusele izikhundla zabo njenge abatyali mali abancinci nabaphakathi. Ngapha koko, abaphulukananga nayo yonke into, kuba unazo amajelo apho banokuqhubekeka khona namabango abo.
Kwiminyaka yakutshanje kuye kwakho iimeko ezithile apho abathengisi bezabelo benzakaliswe kakhulu. Ngokusetyenziswa gwenxa kwezinye iinkampani ezidweliswe kwimarike yaseSpain. Apho ezinye zazo ziye zeza khona ulahlekelwe yenye okanye yonke imali oyigcinileyo oyigcinileyo. Kwiimeko ezininzi, abo bachaphazelekayo baziva bengakhuselekanga ngokupheleleyo. Ngaphandle kokwazi ukuba loluphi uhlobo lwezixhobo abanokuzisebenzisa kwezi meko.
Ukuba wena ukhe wadibana nenye yezi meko okanye inokwenzeka kuwe kwiinyanga ezizayo, kuyakufuneka ukuba ulandele ulwazi esiza kukunika lona kweli nqaku. Uya kuba nesixhobo esiluncedo kakhulu sokubhenela ukuxhatshazwa okuthile ziinkampani ezidityaniswe kwizalathiso zokulingana zikazwelonke. Inokuba lithuba lokuphuma kubunzima obungaphezulu kwesinye onokuthi uthathe inxaxheba kubo ukusukela ngoku. Iya kukuxabisa oko khusela amalungelo akho njengomtyali mali.
Izenzo: ungafaka ibango?
Nasiphi na isikhalazo sinokuphakanyiswa ngaphambi kwamanyathelo angacacanga okanye ngokuchasene ngqo nomthetho ngamalungu amabhunga olawulo eenkampani ezidwelisiweyo. Njengoko ihlala isenzeka kwezinye iintshukumo zomdibaniso zimbalwa kakhulu iindlela zokuziphatha. Apho unokuzibona wenzakele njengomnini zabelo omncinci onguye. Ayizukuba yinkqubo elula, kude nayo. Ukuba akunjalo, ngokuchaseneyo, kunzima kakhulu kwaye kugcwele imiqobo. Ngaphandle kwesisombululo esiqinisekisiweyo nangaliphi na ixesha. Kodwa awuzukukhetha ngaphandle kokumisela ngokusesikweni ukuba ufuna ukubuyisa inxenye yemali elahlekileyo kwimarike yemasheya.
Imisebenzi eyahlukeneyo kule minyaka idlulileyo ibinempikiswano enkulu. Apho iimfuno zabatyali zimali ziye zathotywa kakhulu. Amatyala aveliswe kwiinkampani ezinje nge Isilika yaseBarcelona okanye iDeoleo eminye yemizekelo yento enokwenzeka kuwe ngamaxesha athile. Ungayenza ngokwakho okanye ngokudibeneyo nabanye abaninizabelo abakwimeko efanayo neyakho. Nangona kunjalo, imigca yentsebenzo onokuyisebenzisa ilinganiselwe. Ngaphandle kwamanqanaba aphezulu okukhusela ukukhusela utyalomali lwakho.
Amaqumrhu okuzikhusela
Ukusuka kumanqanaba asemthethweni unomzimba othi phakathi kweenjongo zawo kukukhusela umdla wabatyali mali abancinci nabaphakathi. Imalunga ne- IKomishini yezoKhuseleko kuZwelonke (CNMV). Ungabhenela kweli ziko kwimeko yokuxhatshazwa ziinkampani. Banenjongo yokukukhusela kwizitenxo abanokuthi bazenze kwaye oko kungakhokelela ekubeni ulahlekelwe zii-euro ezininzi endleleni. Ngayiphi na imeko, ayisosicwangciso-qhinga esisebenzayo kuba imigca yokusebenza kwayo ayizali kakhulu. Kodwa kunokuba ngokuchaseneyo. Ngamafutshane, abaqhelekanga ukwenza nantoni na xa kujongwa izitenxo eziboniswa ziinkampani.
Ngokusebenzisa amasebe enkonzo yabatyali mali uya kuba nakho ukuphakamisa naliphi na ibango kwizenzo zentengiso yesitokhwe. Nangona elinye ityala lahluke kakhulu kukusebenza okufanayo. Ukuya kuthi ga kwinqanaba lokuba i umdla wabathengisi. Njengakwelinye icala, iye yagxekwa yimibutho ethile yabatyali mali. Nangona kunjalo, sesinye sezixhobo onokuzisebenzisa xa uzibona ukwimeko apho amalungelo akho njengomsebenzisi kwiimarike zezabelo aye anyhashwa.
Ungaxela nasiphi na isenzo esingaqhelekanga malunga neenkampani ezidwelisiweyo. Nangona yinkqubo ecothayo kwaye igcwele iinkqubo zolawulo. Kungathatha iminyaka emininzi de ube ufumana impendulo kwizikhalazo ozikhutshiweyo. Lingumbutho osemthethweni, ubuncinci onoxanduva lokujonga iimfuno zakho. Enye into eyahluke mpela kukuba ekugqibeleni bafikelela kwezi njongo. Apho bambalwa kakhulu abatyali mali abaza kuphakamisa izikhalazo zabo kwangoko.
Ukhuselo lwabatyalomali
Enye into onokuyisebenzisa ukuphakamisa amabango akho yimibutho yabatyali mali. Bazimele ngokubanzi kwaye abaxhomekekanga kwimidla engahambelaniyo nabatyali mali ngokwabo. Nangona kunjalo, banefuthe elincinci lokusombulula iingxaki ezinokuthi zenzeke kuwe kubudlelwane bakho neemarike zezabelo. Ukongeza, zizinto ezinefuthe elincinci kumabhunga olawulo. Ukuza kuthi ga kwinqanaba lokuba amaxesha amaninzi bengathathi manyathelo ngokuchasene neenkampani ezigxekwe ngabatyali mali.
Kwiimeko ezininzi, ayenzelwanga ukukhusela abatyali mali abancinci kuphela. Kodwa bayayandisa kwelinye iklasi labasebenzisi. Umzekelo, ezichaphazelekayo kubudlelwane babo bebhanki. Ngokusebenzisa gadalala kunye neentlawulo ezingalunganga kuthotho lweemveliso zemali. Phakathi kwabo, iidipozithi zexesha, amajelo enkxaso mali, amakhadi etyala okanye izicwangciso zokonga, phakathi kwezona zibalulekileyo. Ngayiphi na imeko, ungazama ngomnye wale mibutho.
Enye yezona ngxaki ziphambili ekukhetheni le ndlela yokhuselo ivela kwiimfuno zokuzibandakanya namanye ala maziko. Ayilolize, ukuba awukho, awuyi kuba nelungelo lokwenza naluphi na uhlobo lwezixhobo phambi kweenkampani ezifumana umvuzo. Ukongeza, banamalungu ambalwa kakhulu kunye nezixhobo ezimbalwa uphumelele amatyala ngokuchasene neenkampani. Ngayiphi na imeko, iya kuba lelinye lamathuba oya kuthi ukhusele amalungelo akho kulo nakuphi na ukuxhatshazwa okunokuchaphazela ubudlelwane bakho neemarike zezemali.
Ukubeka amaqela
Eyona ndlela izenzekelayo yokufezekisa ezi njongo kukuhlanganisa indawo enkulu yabatyali mali abancinci nabaphakathi abahamba kwimeko efanayo neyakho. Le yinto eyenzekileyo kwezinye iinkampani eziye zenzakalisa abantu abambalwa. Bade benza iphepha labo lewebhu apho ukuhambisa iimfuno zabo. Apho unokufikelela kuzo zonke iimfuno kunye nezenzo zabo. Abayi kufuna nantoni na, nokuba ujongane nenkcitho yeenkqubo ezenziweyo.
Nawuphi na umntu ochaphazelekayo kwimidla yabo njengabatyali mali angajoyina la maqela. Ngamandla amakhulu kunezinye izindululo esele zikhankanyiwe. Ayothusi into yokuba babenempumelelo ethile kwimidlalo yabo. Ukuya kwinqanaba lokuba bahlala befumana iingcebiso zeqela lamagqwetha abalulekileyo. Ukusa izikhalazo ekupheleni kwenkqubo. Nangona kuyinyani ukuba ezi zithatha ixesha elide. Yenye yeengxaki ezinkulu onokuzifumana ukuba ukhetha olu khetho lubalaseleyo. Ihlala ithunyelwe ngeendlela ze-Intanethi.
Enye yezindululo abazenzayo kuwe kwezi meko kukuba awuzithengisi izabelo kwiinkampani ezichaphazelekayo. Le misebenzi inokuba nengxaki enkulu. Ayikho enye into ngaphandle kokuba awukwazi ukuthengisa izikhundla zakho ngexabiso lentengiso. Ngale ndlela, kwimeko enzima, ungaphulukana nayo yonke imali kutyalo-mali lwakho. Olu phawu luthetha ukuba uninzi lwabatyali mali abakhethi kwesi sicwangciso sikhethekileyo. Kude kube bakhetha ukuthengisa izikhundla zabo. Nokuba kukwixabiso lokushiya i-euro ezimbalwa endleleni.
Ungafumana ntoni?
Ngokwenyani, amathemba okuba unokufezekisa iinjongo zakho awaphakamanga kakhulu. Ngaphaya koko, ngokusebenzisa Inkqubo enzima ngokuqinisekileyo kwaye ucothe kakhulu ukuze ube nakho ukuyeka ukuzikhusela kwakho emva kweminyaka embalwa. Akumangalisi ukuba le ndlela yokusebenza izakufuna ukuzinikezela kunye nentando eninzi yokuqhubeka nayo yonke inkqubo.
Elinye icebo lokuthatha amabango akho kukuba awuthathi wedwa. Eyona nto inengqiqo kukuba uyaxhaswa ngamanye amaqela akwimeko efanayo neyakho. Kwaye ukuba bekukho kwiqela lamagqwetha akhethekileyo kule micimbi, ngekungcono kakhulu. Yonke into incinci gcina kwaye ukhusele umdla wakho kwezi meko zinzima. Ngayiphi na imeko, kuya kufuneka uzame ukungazifaki inkcitho egqithileyo kulawulo lwale nkqubo inzima yebango kumabango akho e-equity.
Ngayiphi na imeko, kwaye kwiimeko ezintle, kuya kuthatha iminyaka emininzi ukusombulula lo mbandela. Ngale ndlela, kuya kufuneka uzibuze ukuba kufanelekile na ukuhamba ngale nto Inkqubo ende kangaka. Zombini ngokwembono yeemvakalelo kunye nokubhekisele kwi-akhawunti yakho yokujonga. Ngamanye amaxesha kunokuhlawula ngokwenza lo mgaqo. Yinto ekufuneka uyibonisile kuxhomekeke kwimeko yakho yezemali kunye neyobuqu.
Amathemba okuba uza kuxhamla kule nkqubo awakhulu kakhulu. Kodwa ungazama, kuba ukuphela kosuku akukho nto uzakuphulukana nayo. Ukongeza, kukho isidima sakho njengomtyali mali omncinci. Kodwa kuphela kwendlela onokuthi wenze ngayo nakuphi na ukusetyenziswa gwenxa kwazo naziphi na iinkampani ezidweliswe kwimarike yaseSpain. Njengesiphelo, kuya kufuneka uyazi ukuba ngandlela ithile awuzukuzikhusela xa ujamelene nezi meko zinokwenzeka kuwe ngamanye amaxesha ebomini bakho.