Ukufuna imbuyekezo ephezulu, kuyakufuneka ukubhenela kwezinye iindlela zotyalo-mali ezintsha. Umzekelo, ngekhontrakthi yeedipozithi zebhanki ezihambayo okanye utyalomali kwigolide. Ngamanye amaxesha, iqhinga lisekwe ekukhetheni Iimarike zezabelo ezizezinye kwaye kude kube ngoku khange kuhlolwe. Umzekelo olungileyo wale nkqubo yotyalo-mali imelwe zezinye zeemarike ezisakhulayo ezifanelekileyo. Apho ukubanakho ukuphinda kuvavanye kuphezulu kunakwindawo eziqhelekileyo.
Kwelinye icala, awungekhe ulibale ukubheja kwiimveliso zokonga eziqhelekileyo. Ngale ndlela siya kuba kwimeko yokufumana i- ezinzileyo kunye nenzuzo encinci, nokuba kwenzeka ntoni kwiimarike zezemali. Nangona ngaphandle kokulindela imbuyekezo enkulu kulondolozo ngenxa yeempawu ezizodwa zezi mveliso zikhuselekileyo okanye ezikhuselayo. Ngaphandle kwalo naliphi na ixesha kufuneka sihlawule iikhomishini okanye ezinye iindleko kulawulo lwazo okanye kulondolozo.
Ngamaxesha, njengangoku, xa i-avareji yenzuzo yedipozithi yebhanki ngaphezulu kweenyanga ezilishumi elinambini ikho kumanqanaba e-0,11%, Ngokwedatha yakutshanje ebonelelwe yiBhanki yaseSpain, lithuba lokuphucula le micimbi yokulamla. Ngenxa yexabiso eliphantsi lemali yi-European Central Bank (i-ECB) kwaye oko kukhokelele kunikezelo lwemali ukuba kwinqanaba le-0%, kwinqanaba eliphantsi lembali. Iindaba ezimnandi ezihanjiswa yimarike yezemali kukuba ngezindululo zokwenyani kunye nezentsusa, imbuyekezo esemthethweni yemali inokugqitha ngokulula.
Iibhanki zeFintech: inzala ephezulu
Izinto zeFintech okanye iibhanki ezihambayo zitshintsha imodeli yokuqonda ubudlelwane beshishini kunye nabathengi. Kwisibonelelo sabo sangoku, banikezela ngedipozithi ezahlukeneyo zekota phakathi kweenyanga ezi-6 ukuya kwezi-12 ezivelisa inzala kufutshane ne-1,50%. Kukhululwe ngokupheleleyo kwiikomishini nakwezinye iindleko kulawulo lwazo kwaye ezinokubhaliswa kwimali efikeleleke kakhulu kuyo yonke imizi, ukusuka kwi-1.000 euro.
Ngenzuzo emiselweyo eqinisekisiweyo ngexesha lokuhlala kwayo ngokusisigxina. Ngezichumisi ezinokuveliswa ngekota, ngekota, ngonyaka okanye emva kokuvuthwa, Kuxhomekeke kwiimodeli ezenziwe zezi zinto. Lo mkhwa wenyukayo kwinto evelayo njengokhuphiswano lokwenyani kunikezelo lwebhanki yemveli. Kwiimeko ezininzi, zithunyelwa kwizixhobo ezahlukeneyo zetekhnoloji. Umzekelo, iiselfowuni, iitafile okanye ezinye izixhobo zeteknoloji esisebenza kuzo kutyalo-mali okanye ukwenza ikhontrakthi kwiimveliso ezahlukeneyo zokonga.
Ugcino: Ukutyala iGolide
Njengokuba abahlalutyi bezemali belumkisa, ngokuqinisekileyo lo iya kuba ngunyaka onzima kwiimarike zamasheya zamanye amazwe. Enye into enokwenziwa kule meko imelwe kukutyala igolide, nelinye lamaxabiso akhuselekileyo ngokugqwesa ngamanye amaxesha kwiimarike zezemali. Kunye nabanye Iimpahla, izikhundla zinokuvulwa amaqonga ezemali edijithali, njengomzekelo eToro, kwaye ezo zimele ukwahluka kotyalo-mali lwabo.
Ngale ndlela, ixabiso lesinyithi etyheli kwinyanga yokuqala ka-2019 uyixabisile malunga ne-4%. Ngaphezulu komdla oveliswe kwiimveliso ezivela kwimarike yengeniso engaguqukiyo kunye nokwahlukileyo. Okokugqibela, ngohlengahlengiso oluphakathi kwii-indices zentengiso yesitokhwe eziphambili ze-3%. Inokuba yinto yokwenyani nesebenzayo ukuba nje ayiphambuki kwindlela yangoku yokunyuka ephawula le asethi ibalulekileyo yezemali. Njengendawo ekhuselekileyo ngokuchasene nokwahluka okunokubakho kwiimarike zamashishini ezingenanzala emisiweyo. Ngokukhula okuphezulu kakhulu okunokubakho kwaye nangayiphi na imeko ingaphezulu kokunye.
Ukudityaniswa kwamatyala kwakhona
Inkqubo esebenzayo yokunyusa imbuyekezo kulondolozo isekwe ekuhlanganisweni kwamatyala aveliswe ngaphambi kweebhanki. Ukuza evela Imigca yokuthenga ikhredithi yabathengi, imali mboleko okanye amakhadi etyala. Sisicwangciso-qhinga ngokwaso esinganikeli nayiphi na intlawulo kumthengi. Kodwa onokuzinciphisa ngayo iindleko zezavenge zenyanga ezibandakanya zonke iimveliso zebhanki ezinezivumelwano.
Ke ngale ndlela, abanini bayo banemali ethe kratya ngenyanga kwaye banamandla amakhulu okuthenga ukulawula iiakhawunti zabo. Olu khetho lunokuhanjiswa kumaqonga enzelwe ukubonelela izisombululo zezemali zeenkampani kunye nabantu. Nangona ingeyiyo into yotyalo-mali njengakwezinye izindululo zezemali esikunika zona, ubuncinci zenza enye indlela ecacileyo yokuqulatha iindleko ngaphezulu kwezinye iintlobo zokuqwalaselwa.
Bhalisa inqaku lesithembiso sokudibana
Okokugqibela kukhetho lokufumana imali eyongezelelweyo minyaka le kukufumana ikhontrakthi ebizwa ngokuba ngamanqaku enkampani. Baza kunika inzala ephezulu kunolunye utyalomali ngaphandle komngcipheko. Kumanqanaba Uluhlu oluphakathi kwe-4% kunye ne-8% malunga nokuba kungayiphi na imeko kuyakufuneka ukuba ukukhutshwa kwezi mveliso kubhaliswe kwiKhomishini kaZwelonke yoRhwebo yoKhuseleko.
Olu khetho, ngokuchaseneyo, lunezona mpazamo zalo ziphambili kuba yimveliso yotyalo mali engaziwa ngabatyali mali abancinci nabaphakathi. Kwaye ke abayazi kakuhle into yokuba oomatshini babo banjani kwaye basebenza njani ngokwenene. Ukuza kuthi ga kwinqanaba lokuba baneengxaki ezinzulu zokubaqesha ukusukela ngoku. Nangona ngokwenyani zilula kakhulu ukuqhubekeka nokulawula ukuba unokufunda okuncinci kwiimarike zabo. Kodwa kunokuba yinto enokunceda kakhulu ukuba uyazi ukuba ungawukhetha njani umzuzu wokumiselwa ngokusemthethweni. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwiziseko zayo
Iiakhawunti ezihlawula kakhulu
Le mveliso yebhanki iza kunikezela ukuya kuthi ga kwi-5% kwezinye iifom eziveliswe ziibhanki. Ngemfuneko yokuhlala kwimivuzo okanye umvuzo rhoqo ngabasebenzi abaziqeshileyo. Njengenxalenye elungileyo yamatyala asekhaya (umbane, amanzi, igesi, njl. Ukongeza, ezi ntlobo zeeakhawunti zithengiswa simahla ngaphandle kwazo naziphi na iindleko kulawulo lwazo kwaye zibonelela ngokuguquguquka okupheleleyo kolawulo lokuhamba kwazo.
Olu didi lweemveliso zebhanki lunoncedo olukhulu oluvunyelweyo ngokuchasene ne- a amatyala apheleleyo kwiakhawunti yakho yokujonga okanye yokonga. Ukongeza, unokonyusa ibhalansi yakho ngokusekwe kumathuba akho okwenyani kuxhomekeke kumvuzo onawo nyanga zonke. Ukusuka kolu luvo, yimveliso etofotofo kakhulu kwiminqweno yakho yobuqu okanye yobungcali ngenxa yokuba bhetyebhetye okuphezulu okubonelelwa lolu didi lweeakhawunti ezihlawula kakhulu kwaye oko kuya kunceda ekuphuculeni inzala oyinikwayo evela kwibhanki yakho yesiqhelo.
Isicwangciso sokonga esizimeleyo
Kananjalo awunakukudelela ukuhamba wedwa xa ucwangcisa ukonga kwakho. Ukuziqhelanisa noku kuthetha ukuba kunqweneleka kakhulu ukuba uthathe isigqibo ngemirhumo ekufuneka uyingenise elizweni ukuze wenze isicwangciso sokugcina esisigxina. zethuba eliphakathi nelide. Apho ukhuseleko kunye nokuzinza kwemali yakho kufuneka kuqhubeke ngaphezulu kwezinye izinto ezinoburharha ezinokuthi zichaphazele ukufezekiswa kwale njongo uyifunayo. Kwelinye icala, awungekhe ulibale ukuba olona ncedo lwayo luxhomekeke ekubeni unokwenza uhlangulo nangaliphi na ixesha. Zikwifomathi yenxalenye okanye iyonke, ngokungacacanga kwaye ngaphandle kwemida yalo naluphi na uhlobo.
Ngelixa ngokuchaseneyo, yimodeli yokonga eyenzelwe abantu abakwiminyaka ethile kwaye abathi ngandlela ithile bacinge ngayo ngexesha labo umhlalaphantsi. Njengolunye uhlobo kwezinye iimveliso ezi-corset ezifuna uqeqesho olukhulu kwimirhumo eyenziwe ngabasebenzisi. Ngayiphi na imeko, kuya kufuneka ube nguwe oya kuthatha isigqibo sokuba kufanelekile ukubhalisela olu hlobo lweemveliso zemali. Kwinto eyenziweyo njengethuba lokuba ubenakho kula maxesha achanekileyo.
Izisombululo ezingaphaya
Okokugqibela, kuya kufuneka ugcine engqondweni iimveliso zotyalo-mali eziphucukileyo oko kunokukunceda ufumane imali ethe kratya, kodwa ngomngcipheko wokuba uphulukane nenxalenye yemali oyikhuphileyo. Kwimeko apho uthatha isigqibo kolu khetho, awuzukukhetha ngaphandle kokunikezela ubuncinci kwemali kwezi mveliso. Ngokuchanekileyo ngenxa yomngcipheko obandakanyekayo ekuqeshweni kwabo kwaye kule ngqondo kuya kufuneka uthathele ingqalelo ukuba leliphi inqanaba lokuzibandakanya kubo. Kwiimeko ezininzi, zinxulunyaniswa neemarike zezabelo nayo yonke into echaza oku.
Ukuze ekugqibeleni ufezekise injongo yakho oyifunayo ukuba ekupheleni konyaka ukujonga i-akhawunti yakho eseleyo iphezulu kunangaphambili. Ukuya kwinqanaba elincinci okanye elincinci kuxhomekeke kwinzala efunyenwe inyanga nenyanga. Ukwazi ngalo lonke ixesha ukuba kufuneka uyihlaziye ipotifoliyo yakho yotyalo-mali ngokusekwe kwimeko yeemarike zezemali kunye nokuvela koqoqosho ngokwalo. Ukuze ekugqibeleni ufikelele kwelona zibuko libalaseleyo apho unokwenza khona ukugcinwa kunenzuzo.