Yintoni ukuthengiswa kweemveliso zotyalo-mali?

Enye yezona zinto zibalulekileyo ekufuneka unike ingqalelo kuzo xa usenza naluphi na uhlobo utyalo mali Kwinqanaba lokuhlawula ukuba i-asethi okanye imveliso yezemali inayo. Kuba ayizukuhlala ifana, njengoko uza kubona ukusukela ngoku. Ukongeza, kuxhomekeke kolu luhlu lubalulekileyo, uya kuba nakho ukukhetha esona sithuthi sigqibeleleyo sokwenza olondolozo lwakho ngendlela efanelekileyo. Apho kuya kuba nokuninzi ukubona ukuba yeyiphi iprofayili oyibonisayo njengomtyalomali omncinci nophakathi ngexesha elithile.

Ubutywala bubaluleke kakhulu ukuze ube nakho ukukhangela iakhawunti esempilweni kakhulu. Kwaye ngaphezulu kwayo yonke i jongana neentlawulo ezinkulu ekugcineni kwakho indlu. Ukuhlawulwa kwekhredithi yakho, iibhili zasekhaya okanye inkcitho yezifundo zakho zaseyunivesithi. Kungenxa yokuba kule ngqiqo, ayizizo zonke iiasethi zemali okanye iimveliso eziya kuba nemali efanayo. Abo banxulunyaniswa nemarike yemasheya abananto yakwenza nezo zenziwe ngokuthenga iflethi. Bahluke kakhulu njengoko kulula ukuyiqonda.

Enye yeenjongo zakho kwangoko kukuba emva kokugqiba umsebenzi onawo imali kwiakhawunti yakho yokutshekisha okanye ukonga. Kodwa kuya kufuneka uyazi ukuba ayizizo zonke iimveliso ezibonelela ngale nto. Hayi kangako kwaye ke kuya kufuneka ubhaqe ubungakanani bokukhawuleza okudingayo ukusukela ngoku. Ke awufumani zimanga zingalunganga ukusukela ngoku. Kungenxa yokuba kukho iiasethi okanye iimveliso zezezimali ezinokukunika ngaphezulu koloyiko xa uphuhlisa ukuthengisa.

Utywala kwimisebenzi yentengiso yesitokhwe

Ewe kunjalo, ukuba ufuna ukuba imali yakho ibe kwiakhawunti yakho kwiiyure ezimbalwa, akukho nto ilunge ngakumbi kunokuthenga nokuthengisa izabelo kwimarike yemasheya. Le nkqubo ayizukuthatha ngaphezulu kwemizuzu embalwa ukuba yenziwe ngokusemthethweni. Ukuze ngale ndlela, wabele imali kwinjongo oyifunayo. Ngokusebenzisa iikhomishini ezihambelanayo kunye nezinye iindleko kulawulo lwayo. Ichaphazela lonke ukhuseleko lwamashishini, ngaphandle kokukhutshelwa ngaphandle kwalo naluphi na uhlobo. Nokuba uvela ebhankini apho ungene khona kwiakhawunti yezokhuseleko. Ayothusi into yokuba le yenye yezinto ezikhethekileyo kwingxowa ngokubanzi.

Kwelinye icala, ungaze ulibale ukuba lo msebenzi unakho yenze nanini na isalathiso sesitokhwe othengisa kuso sivulekile. Ukusuka kwikhompyuter yakho okanye kwiselfowuni intshukumo iya kwenziwa ngokukhawuleza. Nangona kukhuseleko olunezinga eliphantsi lokuhlawula amatyala, unokuba nengxaki yokwenza ukuthengisa kwakho njengoko ufumana iingxaki ngakumbi ekufumaneni abathengi abanqwenelekayo. Ayothusi into yokuba kukuphela kokwahlukana onokukufumana ngale mveliso iqhelekileyo yokwenza utyalo-mali.

Ityala elichaseneyo: ukuthengiswa kwendlu

Abanye abatyali mali bakhetha le propati yabucala ukuze bafumane imali yabo. Phakathi kwezinye izizathu kuba ukusebenza ukusebenza inokuba ngaphezulu kakhulu kunakwimveliso eziqhelekileyo zemali. Ukusuka kule ndlela, kungathatha inyanga, ezimbini, ezintathu okanye nangaphezulu de ube unexabiso lentengiso oyenzileyo. Konke oku sisiphumo senkqubo ende kakhulu. Iarhente yokuthengisa izindlu nomhlaba, amaxwebhu kunye nembono yommeli-zincwadi ungenelela kuyo yonke into. Kungathatha ixesha elide ngaphambi kokuba uyonwabele le mali.

Ngayiphi na imeko, awuyi kuba nayo ngokukhawuleza kwaye ke kuya kufuneka ulinde ukusebenzisa ezi zixhobo kwipotifoliyo yakho. Eyona nto iphambili ekukhetheni olu tyalo mali kukuba ilawulwa yimithetho eyahlukeneyo. Zombini ekuqeshweni kwabo nakwi inkqubo Kuya kufuneka iphuhlisiwe ukusuka ekuqaleni ukuya ekugqibeleni. Ukuya kuthi ga kwinqanaba lokuba kuya kufuneka ubenoxolo oluncinci lwengqondo kude kube ekugqibeleni unayo imali ezandleni zakho. Lukhetho olujolise kubatyali mali ngaphandle kwesidingo semali engxamisekileyo. Ukuba akunjalo, ngokuchaseneyo, unokulinda ixesha elide ukufikelela kule meko unqwenelwa yiyo yonke.

Iimali zotyalo mali: linda iintsuku ezimbalwa

Kukhetho oluphakathi ukuba imali ityalwe. Awuyi kuba nayo kwangolo suku uqhuba ngalo intengiso. Kodwa ngokuchaseneyo, iya kwenziwa ngosuku olulandelayo okanye kwezinye iimeko kwaye kuxhomekeke kumphathi ngolunye usuku. Hayi ngelize, kule meko kuya kufuneka bakubuze Ukupheliswa kwezabelo zakho. Esi sesinye sezizathu zokuba umrhumo ungabizi mali ngoko nangoko, njengoko kusenzeka kwezinye iimveliso zezezimali. Nokuba yingxowa-mali yengeniso eyahlukileyo elungisayo okanye evela kwezinye iimodeli ezizezinye.

Iimali zotyalo-mali ngale nkqubo yokuhlawula ziya kukuthintela ekubeni ube nakho  phinda ufake ezinye iimali imali evela kule misebenzi. Le yinto engaziwayo kubatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba banokumangaliswa kukuba le mali ingekho kwiakhawunti yabo yokujonga ngaphakathi kweeyure ezimbalwa zokuvala umsebenzi. Akumangalisi ukuba ezi ziintshukumo ezinzima ngakumbi ezifuna ixesha elithile kwisisombululo sabo sokugqibela.

Iimveliso eziphucukileyo ngakumbi

Ngokuchasene noko, olu didi lweefomathi zotyalo-mali kwaye ezimelwe ngu ukuthengiswa kwetyala, iziqinisekiso okanye izinto eziphuma kuwo Banikezela ngesisombululo esiphakathi phakathi kweemali kunye kunye nokuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya. Phakathi kwezinye izizathu kuba bachaza kwangaphambili ukuba imisebenzi ayizukukhawuleza xa kuthengwa kwaye kuthengiswa izabelo kwimarike yemasheya. Bahlala bebaleka kungekho ngaphambi kweeyure ezimbalwa. Ukuze umsebenzisi abe nesiqhamo sokusebenza kwabo kwiakhawunti enxulumene noko. Nangona kwezinye, ezinje ngemali yokurhweba notshintshiselwano, ivelisa ixesha elifana kakhulu nelo lotyalo mali.

Olu didi lweemveliso zemali luthetha ukuba ukwenziwa ngokusesikweni akukhawulezi njengezinye eziqhelekileyo. Kodwa nangona kunjalo, bawela ngaphakathi kweyona migaqo ingaphezulu okanye ingaphantsi eyamkelekileyo kubatyali mali abancinci nabaphakathi. Ngokwamkelwa kwee-commissions eziza kuthathwa kwintlawulo yale misebenzi. Inyani eyamkelweyo kuzo zonke ezi modeli zotyalo mali. Oko kukuthi, uya kuba nemali kodwa ngokulinda ixesha elide. Oku kubizwa ngokuba yindiza ephakathi phakathi kweemveliso zezemali.

Iziphumo ezivela kwingeniso esisigxina

Ngokubhekisele kwiifomati zengeniso emiselweyo (iidipozithi zexesha, amanqaku ezithembiso zebhanki okanye kwezinye iimeko iiakhawunti ezinengeniso ephezulu), oomatshini bafana kakhulu nemizekelo yangaphambili. Ngale ndlela, uya kuba nemali malunga nemini okanye ezimbini kuba uvale imisebenzi. Baya kuya ngqo kwi-akhawunti yakho yokujonga kwaye ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwabo okanye kulondolozo.

Kule meko, ukuhlawulwa kwemali ayizukwenzeka ngephanyazo, kodwa ubuncinci kungabikho ngaphezulu kweeyure ezingamashumi amabini anesine. Ukongeza, lo msebenzi uya kumiselwa ngokusesikweni ngokupheleleyo kwiikhomishini kunye nezinye iindleko kulawulo nakulondolozo lwayo. Kwelinye icala, nokuba intlawulo ayihlawulwanga, ngekhe kubekho ngxaki ebhankini naluphi na uhlobo lomsebenzi kwimali eveziweyo kwezi mveliso zebhanki. Yinto ebonakalisa ukuba zezona modeli zotyalo-mali zintsonkothileyo, ezisekela isicwangciso-qhinga sabo ekuthatheni izikhundla kwezinye zeemarike zamanye amazwe.

Kufuneka wenze ntoni ukuthintela iingxaki?

Ngapha koko, kukho imigaqo esisiseko enokukunceda ukuba uphephe ukuya kwezinye iimeko ezingafunekiyo. Kungenxa yokuba into oyifunayo kukuba nemali kwiakhawunti yakho yokutshekisha, eyona nto icetyiswayo kukukhetha ezona mveliso zilulwelo (ukubhankisha okanye ezemali) ngalo mzuzu. Ukuba kwelinye icala unemali eyimfuneko yokujongana ne iintlawulo ezingxamisekileyo ngakumbi unokuba bhetyebhetye ekukhetheni. Ukuza kuthi ga kwinqanaba lokuba ulibazise ixesha apho uya kugcwaliswa ngokutsha ngemali oyityalileyo.

Elinye icebo eliluncedo kwezi meko kukukhetha awona manqanaba akhawulezileyo okuhlawula amatyala ukuzama ukuhambisa utyalomali lwakho kwezinye iimveliso zezemali. Ke alisoze libekhona ixesha lokulinda elinakho ukulibazisa naluphi na uhlobo lomsebenzi kwiimarike zezemali. Ziya kuhamba ngendlela eqhubekayo, enye emva kwenye. Ukuthatha onke amathuba eshishini avelayo nangaliphi na ixesha. Iya kuba yipasipoti eya kukuvumela ukuba uvulele kumava amatsha kwicandelo lotyalo-mali.

Okokugqibela, imveliso elulwelo kakhulu iya kuhlala ikunika ibhalansi yokusombulula kwiakhawunti yakho yokujonga. Ukujongana neendleko ezinokuthi ziveliswe kuqoqosho lwasekhaya. Ukuya kwinqanaba lokuba ngaphandle kwamathandabuzo uyakufika endaweni efanelekileyo ekupheleni kwenyanga. Ngaphandle kwezithintelo ezinokuthi zinciphise iintshukumo kusapho lwakho okanye kuhlahlo-lwabiwo mali lwakho. Ewe ayisiyonto ekhohlakeleyo ukuba ungayiqwalaseli ukusukela ngoku. Ingakumbi ukuba ufuna ukufumana uhlobo oluthile lwembuyekezo kwiminikelo yakho yemali. Ekupheleni kosuku kuthini na.