Sonke sivile ngaxa lithile malunga utyalo mali, kodwa isenokungacaci ncam kuthi ukuba ibhekisa phi okanye isebenza njani. Kubonakala ngathi utyalomali lugcinelwe iingcali kwezemali okanye ezoqoqosho, kushiya abantu abanolwazi olusisiseko malunga noku okanye abo baqala ukufunda ukuba balibaleke.
Inyani yile yokuba namhlanje nabani na angayinxalenye yayo intengiso yotyalo mali, ukufumana izibonelelo zoqoqosho ebezilindelekile. Apha ngezantsi siza kuchaza yonke into enxulumene notyalo-mali inyathelo nenyathelo, ukuze ube nokufumana ezandleni zakho into oyifunayo ukwenza izigqibo ezichanekileyo kule ndawo.
Kuthetha ntoni ukutyala imali?
Kwicala lezemali, sinokuqonda njengotyalo-mali olo patrimony esilunika umntu wesithathu ngokutshintshisa ipropathi ngenjongo yokuba ixabiso loku lonyuka kwixesha elizayo, nokuba kungokuvumelana kwithuba okanye hayi. Ngokubanzi, ubulungisa esibuzisayo yimali, kwaye ipropathi ngokubanzi iyinto engu imveliso yezemali. Ngamanye amagama, singaluchaza utyalomali njengenyathelo lokufumana mveliso we zemali ukuze ufumane inzuzo kuyo kwixa elizayo.
Masithathe umzekelo wotyalo-mali: Umhlobo wakho ukucela imali mboleko ye1000 yeeYuro ukuze avule inkampani yakhe, kwaye uthembisa ukuba emva konyaka omnye ikukujikeleza, uzakubuyisa i1000 yeeYuro ombolekise zona kunye nezinye ezingama-500 kwiingeniso. Lo ngumzekelo wotyalo-mali, kwaye iyafana kanye naxa kutyalomali kwiimveliso zezemali, umahluko onokwenziwa kwinqanaba elikhulu okanye elincinci. Iinkampani zikhangela abatyali mali ukuze baxhase izindlu zokugcina impahla yabo, izixhobo, izindlu nomhlaba okanye nayiphi na into eluncedo kubo ukuba ikhule.
Kodwa ukuqonda ngokucacileyo ukuba utyalomali lusebenza njani, kubalulekile ukuba siyiqonde nganye yezi ngcamango zilandelayo:
Amagama asisiseko asetyenzisiweyo kutyalo mali:
Ingabonakala ngathi iyabhidisa ekuqaleni, kodwa uya kubona ukuba uyawaqonda la magama alandelayo uya kuba nakho ukwenza imali ngaphandle kwengxaki:
Capital
Lixabiso lemali (okanye ulingano) onokuthi usebenze kwimarike ulinde ukwenza inzuzo. Ukuba sibuyela kumzekelo wangaphambili, sinokubona ukuba imali eyilondoloziweyo yayiyi-1000 Euro esiyiboleke kumhlobo wethu ukuba aqale ishishini.
Ukusebenza:
Isivuno yinzuzo okanye inzuzo esiya kuyifumana kwiiyunithi zemali kunye nemilinganiselo epheleleyo yenkunzi esiyityalileyo lakuphela ixesha elimiselweyo. Kumzekelo wangaphambili, i-500 eyongezelelweyo yee-Euro iya kubonisa imbuyekezo efunyenwe kwikapitali yethu esiyityalileyo.
Inzuzo
Inzuzo kukudibana phakathi kokusebenza kunye notyalo mali olusetyenziselwa ukulinganisa iingeniso ekufuneka sizizuzile ngexesha elithile njengemveliso yenkunzi yotyalo mali. Oko kukuthi, yipesenti yenzuzo esiyifumanayo emva kwexesha elidlulileyo. Kumzekelo ongaphambili, i-500 Euro imele i-50% ye-1000 Euro etyalwe imali, ke inzuzo yokusebenza kwethu yayiyi-50%
Umngcipheko
Umngcipheko wotyalo-mali lithuba elibaliweyo lokuba imbuyekezo esiyifumanayo iya kuba ngaphantsi kunokuba bekulindelwe. Inyani yile yokuba lonke utyalomali lunenqanaba elithile lomngcipheko, kwanolona luzinzileyo lunepesenti, nokuba incinci, ukuba bayasilela kwaye abatyali mali baphulukana nenxalenye okanye yonke imali yabo. Lo mngcipheko ucingelwa xa utyala imali, kwaye kubalulekile ukwazi yonke imiba eza notyalo mali ukuze uthathe isigqibo kwimveliso yezemali esisinika eyona mbuyekezo ilungileyo ngaphandle kokuthatha umngcipheko omninzi.
Ixesha
Ixesha lixesha ekuvunyelwene ngalo ekulindeleke ukuba lifumane imbuyekezo enqwenelekayo ngokusekwe kwinkunzi eyityaliweyo. Kumzekelo wethu ongentla, ixesha lokubuya ibingunyaka omnye. Emva kwexesha siza kuthetha ngakumbi ngeenkcukacha ngokubaluleka kwemigaqo yotyalo-mali.
Utywala
Xa sithetha ngotyalomali, kulula ukuba imveliso yethu ijike ibe yinzuzo ngokukhawuleza. Oko kukuthi, kulula ngakumbi ukuguqula utyalomali lwethu lube yimali, olu tyalo mali luba lulwelo ngakumbi.
Iindidi zoTyalo mali
Zininzi iindlela zokwahlula iintlobo zotyalo-mali, kodwa zahlulwe ngokubanzi ngokwendlela ezinenzuzo ngayo. Apha ngezantsi sichaza nganye yazo:
Irente elungisiweyo
Ingeniso esisigxina ibhekisa kolo tyalo mali apho inqanaba elamkelekileyo lokuxela kwangaphambili laziwa kwangaphambili, imbuyekezo eza kufunyanwa kwakuba kudlule ixesha elimiselweyo Ngokubanzi, olu tyalo-mali luvelisa imbuyekezo esezantsi kunee-equities, kuba umngcipheko uphantsi kwaye zihlala ixesha elide. Uncedo kukuba ngokuqinisekileyo kuqinisekile ukuba siza kufumana inzuzo kwezi, nokuba zincinci kunaleyo sinokuyifumana ngeequities.
Umvuzo oguqukayo
Ingeniso eguqukayo ivela xa sityala imali kwimeko apho singazi uqikelelo lwenzuzo eza kwenziwa, kwaye inokude ikhokelele kwisiphumo esibi esinokubangela ilahleko. Konke oku kuxhomekeke kwizinto esingakwaziyo ukuzilawula, ezinje ngokusebenza kwenkampani, indlela eziphatha ngayo iimarike okanye imeko yezoqoqosho olukhulu. Utyalomali olwahlukileyo lwengeniso lukwanempawu yokuba ukuba zichanekile zivelisa umvuzo ophezulu kakhulu, ke ngoko zenziwa ngexesha elifutshane okanye eliphakathi.
Izinto ekufuneka zithathelwe ingqalelo xa usenza utyalo-mali:
Ngoku ukuba uyazi ukuba ngalinye lamagama asetyenzisiweyo kutyalo-mali lithetha ntoni, uyakuqonda ukuba zininzi iindlela onokukhetha kuzo ukufumana leyo isinika esona sibonelelo sikhulu malunga nenkunzi esifuna ukuyityala. Ezi zinto zilandelayo zinokushwankathela kakuhle into ekufuneka uyithathele ingqalelo xa usenza isigqibo sokuba ungayityali imali kwimveliso yezemali.
Isibonelelo esilindelweyo
Umba wokuqala wokuthathelwa ingqalelo yimbuyekezo elindelekileyo kutyalo-mali. Oku kunokuchazwa kuqala ngokwazi ukuba ngaba utyalomali yimali esisigxina okanye ingeniso eyahlukileyo. Ngale datha siya kuba nakho ukufumana umbono olinganisiweyo wokusebenza kunye nenzuzo ekulindelweyo, kunye nokuhlawula amatyala. Kuya kufuneka uthathele ingqalelo umngcipheko okhoyo kuhlobo ngalunye lotyalo-mali, kwaye njengoko sele uyazi, oku kuxhomekeke ikakhulu kwinto yokuba yimali esisigxina okanye ingeniso eyahlukileyo.
Umngcipheko owamkelweyo
Zibuze ukuba ngaba kufanelekile ukwenza utyalomali ngokusekwe kwinzuzo elindelweyo kunye nomngcipheko wayo. Kungenzeka ukuba ufumana isixhobo semali esikubuyisela imbuyekezo ye-2000%, kodwa unomngcipheko we-85%. Ngaba ngokwenene ucinga ukuba kufanelekile ukutyala imali kolu hlobo lwemveliso? Mhlawumbi ukuba imali eyinkunzi ozimisele ukuyibeka emngciphekweni ayibalulekanga kuqoqosho lwakho, unokuwamkela umngcipheko. Kodwa ukuba ngaba lulondolozo lwakho okanye isixa ongenakukwazi ukuphulukana naso, kungcono wamkele umngcipheko wemveliso yexesha elide ebuyisa imbuyekezo esezantsi kodwa iqinisekise ukuba awuyi kuphulukana notyalo-mali lwakho.
Ixesha lokuTyala
Ixesha lotyalo-mali lubalulekile xa usenza isigqibo, kuba imbuyekezo kutyalo-mali ilawulwa ngumgaqo olula kakhulu: Utyalo-mali olunomngcipheko omncinci zihlala ixesha elide, kwaye abo banethuba elifutshane lokubuyisa imali yakho bamele ngaphezulu. umngcipheko. Kubalulekile ukuba ulithathele ingqalelo ixesha olilindeleyo lokufumana imali yakho ukuze ufumane imveliso yotyalo-mali ekufaneleyo oko unqwenela ukukufumana njengomtyali mali.
Ndingaqala njani ukwenza imali?
Ukuba into oyikhangelayo kukutyala ixesha elide kwaye ngendlela onokuyikhusela ngayo kwaye uyiphindaphinde, ungaya kwibhanki oyikhethileyo kwaye ucele ulwazi malunga neeakhawunti ezikhoyo onokuthi utyale imali kuzo. Ukusebenza kwezi kuya kuba lixesha elide kwaye baya kuthi bakubuze ubuncinci ukuze uqale ukuvelisa imbuyekezo. Olunye ukhetho kukukhangela kwiimarike zamasheya ezikhoyo kwi-Intanethi, apho unokufumana khona izinto zexesha elifutshane ezinje ngestokhwe, iibhondi, ukuqhubela phambili kunye nezinye izixhobo. Oku ngokubanzi kunomngcipheko omkhulu, kodwa ukuba uyaphumelela inzuzo iya kuba nkulu kwaye kwixesha elifutshane.
Eyona nto icetyiswayo kukuba ufune isikhokelo kwingcali ngalo mbandela, ngubani onokukukhokela kwizinto ezithile zentengiso yangoku, ukuze xa ninonke nenze ezona zigqibo zibalaseleyo xa nityala imali yenu, kwaye ngaloo ndlela nifumana indlela esebenzayo izibonelelo zoku. Soloko ulumkile, njengoko kukho iiwebhusayithi zobuqhetseba ezithembisa ukubuyisa okuphezulu ngokugqithileyo ngaphandle komngcipheko. Hlala kude nezi njengoko zingathembekanga kwaye ungabeka emngciphekweni wokuphulukana nemali yakho, ziya kuhlala zikhona iindlela ezifanelekileyo zokutyala imali, kodwa kuya kufuneka ulumke kakhulu kwaye uqaphele umngcipheko okhoyo.