Njengesiqhelo, eyona njongo iphambili yabatyali mali abancinci nabaphakathi ilele ekuveliseni eyona nzuzo iphambili kwimisebenzi yabo kwintengiso yesitokhwe. Yimpumelelo kutyalo-mali lwakho. Kodwa akufuneki ungakhathali ukuba isicwangciso esisekwe kwiindleko zekhontrakthi sinokubanceda baphucule iziphumo zabo minyaka le. Ukusuka kule meko ngokubanzi, kungaphezulu kokucetyiswa ukuba ucacise uthotho lwezinto eziphambili ezijolise ekunciphiseni ukubhatalwa okubandakanya nawuphi na umsebenzi kwiimarike zezemali. Ngaba uyafuna ukwazi ukuba yeyiphi eyona nto inokusebenza ukuze ufezekise le njongo?
Ihlala inenzuzo ngakumbi yenza umsebenzi omkhulu ngaphezu kweemali ezincinci. Isizathu kukuba bavelisa imali eninzi kwiikomishini. Akumangalisi ukuba intshukumo yexabiso elincinci yohlwaywa ngokubhekisele kutyalo-mali oluphakathi nolukhulu. Ke kukhethwa ukuba abatyali mali bakhethe ngakumbi xa bethenga izabelo. Ukuza kuthi ga kwinqanaba lokuba baya kufumana umvuzo ngeli nyathelo lilula kangaka ukuwenza.
Umahluko kwinzuzo yentengiso yesitokhwe sikazwelonke ngokubhekisele kumazwe aphesheya awuncinci njengesiphumo sehlabathi lweemarike zezabelo. Ayikuko ngenxa yokuthanda ilizwe, kodwa ayizukubiza nantoni na ukukhetha amaxabiso egama laseSpain ukwenza ulondolozo olusebenzayo lube nenzuzo. Iikomishini zakho zonyuke kabini ngexabiso eliphantsi kunangaphandle kwemida yethu. Isizathu esaneleyo ngaphezu kokukhetha esi sicwangciso sotyalo-mali. Baza kuba nezabelo eziphezulu kwimarike, ngenzuzo engaphezulu kwe-5%.
Qesha ireyithi ethe tyaba
Abona batyalo-mali bangazinzanga kwintengiso, okt abo benza imisebenzi engaphezulu ngenyanga, baya kuba bechitha imali ebaluleke kakhulu kwiikhomishini nakwezinye iindleko kulawulo lwabo. Kukuhlawulwa okungathintelwa ngokugqibeleleyo ngokubhalisela umrhumo omcaba wokusebenza kwimarike yemasheya. Ngesixa esikufutshane I-30 euros ngenyanga Imisebenzi emininzi njengoko abatyali mali abancinci nabaphakathi benqwenela, inokwenziwa ngaphandle kwalo naluphi na uthintelo okanye umda. Emva konyaka omnye nasemva kokuhlalutya iziphumo zale ntlawulo, kuya kugqitywa ekubeni zininzi i-euro ezigciniweyo. Ngaphezulu kokucinga kwasekuqaleni.
Khokelwa ngumkhwa
Elinye lamaqhosha okuphumelela imisebenzi kwimarike yemasheya isekwe ekulandeleni eyona nto intle. Oko kukuthi, qala iintshukumo ngaphakathi nditsho emva kwexesha, kwaye xa imiqondiso yokuqala yobuthathaka ibonakala, susa izikhundla ngokukhawuleza. Ukuba esi sicwangciso silula sisetyenzisiwe kutyalo-mali, amathuba okuba ingxelo yethu yengeniso iya konyuka iya kube inyuke ngokubonakalayo. Kulula kakhulu ukuyilandela kuba kuya kufuneka kuphela ukuphinda-phinda iintshukumo zeemarike zezemali. Kude kube ufezekise iinjongo ozibekele zona ekuqaleni kwemisebenzi.
Ungatyali imali oyifunayo
Ukusebenza okuphakathi kunye nexesha elifutshane kuhlala kuyingozi kuso nasiphi na isidingo sokuthengiswa kwemali kwiiakhawunti zakho. Ngesi sizathu, ngaphambi kokutyala kufuneka Hlalutya imeko yakho yezemali. Kungenxa yokuba ukuba uza kuyidinga imali kwiminyaka embalwa, umngcipheko wakho uyanda ngokuthe chu kwaye uzibeka esichengeni sokungathengisi, ngokuyinxenye okanye ngokupheleleyo, izabelo ngexabiso elibi, kunye nokwehla okukhulu kumaxabiso abo. Ngale ndlela, ukuba le yimihla esikiweyo kunyulo, utyalomali kufuneka lwenziwe phantsi kwesona sixa sifunwayo. Apho ungaphendula khona kwiindleko eziza kukuzisa kwiinyanga ezimbalwa ezizayo.
Gxila kwixesha elide
Nangona ungakuthandi kule klasi yotyalo-mali, amathuba okuphulukana nemali ancipha ngokukodwa. Ukuba ufuna ukufumana iziphumo ezamkelekileyo kutyalo-mali lwakho, kuya kufuneka uye kule migaqo mide. Kwelinye icala, ukuba unezikhundla ezivulekileyo kukhuseleko oluhambisa izabelo, akufuneki ulibale ukuba uya kuba intlawulo eqingqiweyo neqinisekisiweyo iminyaka, nantoni na eyenzekayo kwiimarike zezemali. Ngenzuzo ehamba kuluhlu olusuka kwi-3% ukuya kuthi ga kwi-7%. Oko kukuthi, ngokungathi ubunekhontrakthi kwimveliso yengeniso esisigxina ngaphakathi kokungafaniyo. Ngaphandle kokuvela kwamaxabiso.
Gwema imisebenzi yorhwebo
Kwaye okokugqibela, akufuneki ulwamkele kakhulu olu hlobo lwentengiso yesitokhwe kuba bathambekele ekuphulukaneni nemali. Izifundo ezahlukeneyo zibonisa ukuba ngaphezulu kwe-80% yabatyali mali abazama ukunciphisa imali yabo kwiimarike zezabelo. Ukongeza, kuya kufuneka ubonelele ngenqanaba eliphezulu kakhulu lokufunda kunakwinto yesiqhelo ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya.
Iikhredithi ezivela kwiiATM
Ngayiphi na imeko, naphambi kweemeko apho ungaphulukana nemali engaphezulu kunokuba unokucinga, unokuhendeka ukuba ufune umgca wekhredithi ukwanelisa iimfuno zakho zokuhlawula amatyala. Enye yeemodeli ezingafunekiyo zezo zithathwe kwiikhredithi ezivela kwii-ATM. Ingakumbi ngokulula kwayo ukuzifumana kwaye kuba zisebenzisa inqanaba lenzala elisezantsi kunezinye iifomathi. Baza kukusebenzela bajongane nemeko embi kwimarike yemasheya, ukuba imali oyityaliweyo ayiphezulu kakhulu ukusukela ngoko lo msebenzi awuzukukunceda nganto. Hayi lilize, uya kuhlawula i-euro ezininzi inzala.
Inkxaso mali ekhawulezayo yenye yezona zinto zivelisayo kwiikhredithi kusetyenziswa ii-ATM kwaye oko kunokukhokelela kubasebenzisi abakwimeko yokuphuma kwingxaki engaqhelekanga kubomi babo bemihla ngemihla. Ngayiphi na imeko, ngumgca okhethekileyo wekhredithi ongaziwayo kwinani elikhulu labathengi. Ngenxa yeempawu zayo ezikhethekileyo, ayithathwa njengemali yesiqhelo ukusukela ukuqala kwayo yimali mboleko esele inikiwe kwaye ke ayifuni mvume yakho. Ngale ndlela, yeyona nto ikufutshane ku ikhredithi enikwe kwangaphambili.
Ukuba lo mthombo ukhethekileyo wemali wahlukile kwinto ethile, kungenxa yokuba kunokwenzeka ukuba ufikelele kwincam yamatyala ngendlela ekhawulezayo ngakumbi nekhawulezayo. Ngaphandle kwesidingo sokufaka igalelo akukho luhlobo lwamaxwebhu okanye wenze iinkqubo ezinzima zolawulo. Igalelo lomrholo okanye umvuzo oqhelekileyo awufuneki. Hayi ngamampunge, ngeyure ezimbalwa ummangali uyakuba nemali yakhe angayikhupha kwii-ATM zebhanki yakhe. Yisibonelelo sokuqala ngokubhekisele kwezinye iindlela zokufuna imali mboleko, nangona ingeyiyo kuphela njengoko kunokubonwa.
Imali encinci yekhredithi
Banika isixa esincinci kakhulu ukuba akukho meko iya kudlula umda we-10.000 euros kwaye inokusetyenziselwa nasiphi na isidingo ngabafakizicelo. Ukusuka ekuhlawuleleni ityala kubantu besithathu ekuthengeni nayiphi na into yomthengi. Kwelinye icala, iimeko zayo zesivumelwano zinobubele ngakumbi kunakwiminye imigca yezemali. Ngumahluko onokufikelela kwipesenti enye kwisicelo senqanaba lenzala ziibhanki. Kananjalo, kunqabile ukuba badlule kwiminyaka emihlanu ukuhlangabezana nomhla wabo wokuhlawula.
Ngayiphi na imeko, intuthuzelo yakho yeyona nto ikhuthazayo yokwenza le mboleko ikhethekileyo. Ayisiyonto yalonto ukuba ihanjiselwe nangaliphi na ixesha losuku kwaye ngaphandle kwesidingo sokudlula kwisebe lebhanki ukuhlangabezana nale mfuno. Ukusukela ekuphela kwento efunekayo kwimvumelwano yayo kukuba ngumthengi kwaye ube nekhadi letyala kunye nezinto ezikhupha le mveliso. Ukusuka kuloo mzuzu kanye, kuya kufuneka kuphela ukuqokelela imali kuso nasiphi na isixhobo esizenzekelayo ngeli xesha lifuneka ngokwenene.
Ukuhlaziya ngokuzenzekelayo
Nangona izibonelelo eziveliswe kwiibhanki zibonelela phakathi kwe-5.000 kunye ne-10.000 ye-euro kwiimfuno zabaxumi babo, akukho mfuneko yokuchitha ezi mali. Kodwa ngokuchaseneyo, unokuba nobuncinci ubuncinci kunye neemeko ezifanayo kulwenziwo ngokusesikweni olona xabiso lubalulekileyo. Esi sesinye sezizathu zokuba ziboniswe kuzo zonke iintlobo zeeprofayili kubathengi, kuba abafuneki ikhonkco nezinye iimveliso zebhanki.
Elinye lamagalelo akhe afanelekileyo kukuba ukuqesha kwakhe akuhambisi iikhomishini okanye ezinye iindleko kulawulo nakulondolozo lwayo. Ngenxa yoku, le nkcitho inokuthi iqukunjelwe ekupheleni koxolelo lwabo. Apho kukho ithuba lokuhlaziya umgca wokuthenga ngetyala ngokuzenzekelayo kwaye nanini na xa kufuneka. Logama nje kungekho matyala angekahlawulwa kunye nequmrhu elijongene nokuthengisa le mveliso intsha yebhanki. Kungenxa yokuba ayinakulityalwa ukuba inikwe abona bathengi banyibilikayo abebesebenza neziko lezemali iminyaka kunye neminyaka kwaye inokwenziwa ihambelane nezinye iintlobo zeekhredithi ezikhutshwe ngumkhuphi omnye. Phakathi kwezinye izizathu, kuba lixabiso elincinci lekhredithi, kunye neemfuno ezithambileyo.