Iingcebiso ezi-6 zokutyala imali kwimarike yemasheya ngempumelelo

Utyalo-mali kwimarike yemasheya ayingomdlalo, kodwa sisicwangciso esibi kakhulu kwiindlela zaso ezinokukhokelela kubasebenzisi ukuba bafumane imali eninzi kwimisebenzi yabo okanye, ngokuchaseneyo, bayilahle. Esi sesinye sezizathu zokuba imisebenzi kufuneka inyangwe ngokucace gca nangaphezulu kwako konke ukungathí sina. Kungenxa yokuba ayinakulityalwa ukuba nayiphi na impazamo inokuhlawulwa kakhulu kwaye ngaphandle kwexesha lokuyilungisa. Akukho mntu usinyanzelayo ukuba sithumele imali yethu kwiimarike zezabelo, sisigqibo esamkelweyo sithi.

Kwelinye icala, kufanele ukuba kukhankanywe ukuba akukho ndlela zobugqi zokwenza ngempumelelo imisebenzi enenzuzo kwimarike yemasheya. Akunjalo nabahlalutyi bezobugcisa abadumileyo. Luthotho kuphela lwamaqhinga amancinci anokusinceda ukuhambisa imisebenzi ngeyona ndlela ichanekileyo. Kodwa ngaphandle kokuqinisekisa naluphi na uhlobo lwenzuzo, olusemva kwayo yonke into enomdla kuthi sonke. Nangona kuyinyani ukuba kukho iimpazamo esinokuzenza ezinokulungiswa ngendlela eyanelisa kakhulu kwimidla yethu.

Enye yezinto ezinokuthi ziqikelelwe ngumkhwa wokhuseleko, icandelo okanye isalathiso sesitokhwe. Ukuze ngale ndlela, sibe kwimeko yokuphuhlisa isicwangciso sotyalo-mali. Nangona oku kunyanzelekile ukuba kuchazwe iprofayili esiyivezayo njengomtyali mali omncinci nophakathi: onolunya, ophakathi okanye okhuselayo. Kungoko kuphela esinokuthi sicacise into esifuna ukuyenza kwiimarike zezabelo. Nokuba yeyiphi na indlela, sinokubonelela ngeendlela ezininzi zokutyala ngempumelelo kwimarike yemasheya. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo?

Ingcebiso yokuqala: zisa amava

Alithandabuzeki elokuba ukutyala imali kwiimarike zezabelo kuya kufuna ukufunda okuthile kurhwebo. Ukuba ayisiyiyo imeko yakho, kuya kuba ngcono kakhulu ukumelana nomzamo okanye ubuncinci ukwenze ngexabiso eliphantsi. Ukuze i-capital yakho ingabekwa emngciphekweni. Kwelinye icala, ngokusebenzisa ii-simulators unokutyala imali kwimarike yemasheya phantse. Oko kukuthi, ngaphandle kokubeka emngciphekweni i-euro enye kwiintshukumo ezithathiweyo. Ukuze kancinci kancinci ufumane amava ngakumbi kurhwebo kwimarike yemasheya kwaye ekugqibeleni unokwenza intshukumo yokwenyani ngemali yakho kwiimarike zezemali.

Ukongeza, eyona nto iqhelekileyo ukuba awunikezeli ngamava kukuba ulahlekelwe yinxalenye yolondolozo lwakho ekuthatheni isikhundla kwixabiso lemarike yemasheya. Le yinyani ekufuneka ujongane nayo kwasekuqaleni ukuba ufuna ukujongana nenyani yento ehlala ihleli inzima yemali. Ungalibali ukuba yimali yakho oyidlalayo, hayi eyabanye abasebenzisi. Ukuba ucinga le nyani ukusukela ngoku, izinto ziya kuqala ukuvela ngokufanelekileyo kuwe kwezi ntlobo zeemarike zezemali. Nokuba indleko ayizukuhamba kakuhle kuyo yonke imisebenzi. Hayi kangako kwaye yinto oya kuthi uphile nayo ukusukela ngoku.

Icebiso lesibini: musa ukutyala yonke imali

Njengoko usazi kakuhle, awungekhe utyale yonke imali oyigcinileyo kuba yimpazamo ukuba ungahlawula kakuhle kakhulu ukusukela ngoku. Ukuba akunjalo, ngokuchaseneyo, iya kuba yinxalenye eya kuxhomekeka kwingeniso kunye neemfuno onazo kwiinyanga ezimbalwa ezizayo. Kwelinye icala, awudingi ukutyala imali eninzi ukungena kwicandelo lemarike yezemali. Ngaphandle kokuba ungumntu obawayo kwaye ufuna ukwenza ikapitali ebaluleke kakhulu kwisithuba esifutshane kakhulu sexesha. Kodwa lumka kakhulu, kuba iziphumo ekugqibeleni zinokuchasana kwaye le yinto ekufuneka uyilindele ukusukela ngoku.

Ngelixa kwelinye icala, awungekhe ulibale ngoku njengoko utyala imali encinci, ilahleko ezinokuthi ziveliswe kwipotifoliyo yakho nazo ziya kuba mbalwa. Oku kunokuba sesinye sezitshixo ukuze ukwazi ukutyala imali kwimarike yemasheya ngempumelelo, ngaphezulu kwezinye iintlobo zokuqwalaselwa kobuchwephesha. Akunakuba kukuba ngokutyala imali eninzi ekugqibeleni unebhalansi ehlwempuzekileyo kwiakhawunti yakho yokonga. Ungakulibali ngoku ukuze iimpazamo zakho zibe mbalwa ukusukela ngoku.

Ukurhweba ngokukhuselekileyo

Umbono osisiseko wokuthengisa ngempumelelo istokhwe kukuya kweyona mali inkulu yeemali ezinkulu. Phakathi kwezinye izizathu kuba ziya kuba zezizakukunika ukungoneliseki nangaliphi na ixesha. Kwelinye icala, kulula ukuba zisebenze kuba ungalungelelanisa amaxabiso ekungeneni nasekuphumeni kwezikhundla zabo. Ngaphandle kwalo naliphi na ixesha unokufumana ixabiso, kwaye yenye yeempembelelo ekufuneka uzithintele kulo naluphi na uhlobo lwezicwangciso zotyalo-mali. Kuya kufuneka uqondise imisebenzi yakho kwizitokhwe ezihambisa izihloko ezininzi kuzo zonke iiseshoni zorhwebo.

Enye into enomdla kakhulu kukuyihlalutya yile inento yokwenza nokukwazi ukungazisebenzisi ngezandla eziqinileyo zeemarike zezabelo. Ngale ndlela, eyona nto imbi onokuyenza kukukhetha ukhuseleko olucingelwayo olubonakaliswa kukungazinzi okuphezulu. Umahluko obaluleke kakhulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi anokufikelela kwi-10%. Ewe kunjalo, esi ayisosicwangciso-qhinga sotyalo-mali ekufuneka ukhethe ukusukela ngoku. Apho unokuninzi kokulahleka kunokuba uzuze.

Landela i-uptrend

Ewe kunjalo, enye yeengcebiso ekufuneka uzilandele ukutyala imali kwimarike yemasheya ngempumelelo isekwe ekulandeleni imeko ephezulu kuzo zonke iindleko. Ukwenza oku, awunakukhetha ngaphandle kokufumanisa ukuba zeziphi ukhuseleko ezikule meko ukuvula izikhundla. Ayothusi into yokuba banokubona ukuphakama kokuphakama okuphezulu kwaye ngokuqinisekileyo kuyo yonke imiqathango yokusisigxina: imfutshane, iphakathi kwaye inde. Unethuba lokuba ezi zindululo zibakhona ngalo lonke ixesha kunye neenyanga zonyaka. Nditsho nakwezona meko zimbi kwiimarike zokulingana.

Ngelixa kwelinye icala, ukutyala imali kwimarike yemasheya kuhlaziyo kunciphisa iimpazamo onokuthi uzenze kwimisebenzi yesitokhwe. Ukuba akunjalo, ngokuchaseneyo, cinga ukuba uza kudlala ngokuthanda iimarike zezemali. Apho kunokwenzeka ukuba ufezekise iinjongo zakho kwaye azikho enye into ngaphandle kokufumana inzuzo eyinkunzi ngaphezulu kolunye uthotho lwezinto zobugcisa nezisisiseko. Ewe awunakucinga ukuba xa kukho izinto ezingahambanga kakuhle azizukuhamba kakuhle kuwe. Ayisiyiyo eyona nto inokwenzeka ukuba yenzeke kwezi meko ezinokubakho kwiimarike zezemali.

Musa ukwenza iimpazamo rhoqo

Ukuthintela imisebenzi engathandekiyo, kuyacetyiswa ukuba umtyali mali azifumanise kwangaphambili iimfuno zabo zotyalo mali, kwaye ke babone ukuba ngaba iprofayili yabo inochuku okanye iyazikhusela, kwaye okona kubaluleke kakhulu, yimfuno yokuhlawula amatyala. ikamva.

Kuzo zonke iimeko, ukhuseleko olunexabiso elisezantsi kufuneka lithengiswe, nangona into enzima ukuyifumana, nangona uhlalutyo lobuchwephesha lubonelela ngokubanzi "imikhondo" malunga notshintsho lwendlela.

Ngale ndlela, kuya kufuneka uhlalutye ukuba nanini na xa kukho ukukhubazeka kukusilela kwisicwangciso somtyali, kodwa kukho iimeko ezinokuthi zithintelwe, okanye ubuncinci zincitshiswe, kodwa oku kuyimfuneko ukuthatha uthotho lothintelo olwahluka ngokuxhomekeka kwiprofayili evela kubo bonke. Ungakulibali ukusukela ngoku kuba yenye yezitshixo zokwenza imisebenzi yakho kwimarike yemasheya kwaye impumelelo iya kuxhomekeka okanye hayi yeentshukumo oza kuzithatha nanini na enyakeni. Kuba ekupheleni kosuku yintoni malunga nokuphumelela.

Qokelela amajelo okubamba

Kukho namanye amajelo anenjongo anokunceda umtyali-mali ukuba enze le nkqubo kwaye azikho ezinye ngaphandle kwezo zibonelelwa yimithombo yeendaba ekhethekileyo. Apho kungathandabuzekiyo ukuba bayabandakanywa uhlalutyo lobugcisa kunye nekhavangengqondo, iingcebiso zezona zibalulekileyo okanye abarhwebi, ezesizwe nezamazwe aphesheya, iindaba eziqinisekisiweyo kunye neziganeko eziphambili ezichaphazela ukhuseleko oludweliswe kwimarike yemasheya.

Ulwazi olunokuthenjwa onalo, kokukhona luya kuba ngcono kwimidla yakho njengomtyalomali omncinci nophakathi. Apho unganikanga ukuthembeka kwimithombo yolwazi engaqinisekiswanga ngokufanelekileyo. Akumangalisi ukuba banokuba nefuthe eliyingozi kwimisebenzi yakho kwiimarike ze-equity. Yinto enokuthi emva kwako konke kwenzeke, njengoko uya kuyazi ngokuqinisekileyo kumava abanye abatyali mali. Ungalibali ukuba ekugqibeleni into ozibeka emngciphekweni yimali yakho hayi eyabanye. Ngenxa yoku, kufuneka unikezele ngobuntu obuchazwe kakuhle obukuvumela ukuba utyale imali kwintengiso ngempumelelo, eyona njongo yakho iphambili njengomtyali mali ophakathi nophakathi.


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