Izicwangciso eziphambili kwimarike yemasheya ziphuhlisiwe ukunqanda iintshukumo ezingafunekiyo kwimisebenzi eqhutywa kwezi marike zezemali. Ayothusi into yokuba zezona zivelisa ukusebenza okungalunganga okunokuhlawula i-euro ezininzi kuhambo ngalunye. Ngenjongo yoku thintela le meko Siza kukuveza kwezinye zezi zenzo kwaye ukusukela ngoku awuzukukhetha ngaphandle kokuziphepha ukuze ungabinangxaki kutyalo-mali lwakho kwimarike yemasheya.
Kwiimeko ezininzi, ezi ntshukumo ziyimveliso yokungazi kwabatyali mali. Kodwa kwezinye sisiphumo sokucwangcisa okanye ukuphuhlisa a ulawulo olubi ekusebenzeni kwiimarike zezabelo. Ukuya kwinqanaba lokuba banokwenza ukuba ulahlekelwe sisixa semali. Ngaphandle koko ngekunokulungiswa ukuba ibikhuthele ngakumbi intshukumo yemarike yemasheya. Kuba, enyanisweni, kuya kufuneka ucinge ekupheleni kosuku ukuba yimali yakho ongcakazayo kwaye kwimbonakalo akufuneki ulumke.
Kwiimarike ze-equity kukho umgaqo osoloko usetyenziswa kwaye oko kukuthi kubaluleke kakhulu ukutyala kuphela imali engafunekiyo ixesha elifutshane. Esi senzo kufuneka usenze ngawo onke amaxesha. Kuba ukuba ayinjalo, qiniseka ukuba uya kufikelwa sesinye isiganeko kutyalo-mali lwakho kwimarike yemasheya. Kodwa zikhona ezinye ezibaluleke ngokulinganayo kwaye ke siza kuthi siqwalasele ukusukela ngoku ukuya phambili ukuze ukwazi ukutshintshela ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya ngendlela ekhuselekileyo nechanekileyo.
Amanyathelo onokuthi uwathintele: yiya ngokuchasene nexesha langoku
Ewe kunjalo, kuya kufuneka uhambe kunye neemeko zentengiso ukuze uphumelele kulo mlo kubudlelwane bakho nehlabathi lemali. Ngale ndlela, awuzukukhetha ngaphandle kokulahla amaxabiso anxulumene ngokusondeleyo ne amacandelo asesichengeni sokusokola kwezoqoqosho ngamazwe. Phakathi kwawo kukho amaqela ezemali (amabhanki aphambili kunye neenkampani zeinshurensi) kwaye ngakumbi isitokhwe esivela kumacandelo ojikelezo. Zezona zibuthathaka kakhulu kwimeko yokudodobala kwezoqoqosho kwihlabathi liphela. Ukuya kwinqanaba lokuba indlela abaziphethe ngayo iya kuhlala imbi kunabanye, ngokwahluka okunokufikelela ngaphezulu kwe-5% kwixabiso lezabelo zabo.
Kwelinye icala, awungekhe ulibale ukuba into enzima kakhulu kwintengiso yemasheya yinto ekuthiwa yimakethi. Ke ngoko, kuya kufuneka unike ingqalelo kwezi ntshukumo kuba ziya kubonisa ukuba loluphi ukhuseleko ekufuneka utyale imali yakho kwaye loluphi abanye. Isicwangciso esilula kakhulu esingazukudala iingxaki ukuba usiphumeze ukusukela ngoku. Kwaye apho unokufumana khona izindululo kwiimarike ze-equity ezinokuba yinzuzo kakhulu kwiinyanga ezimbalwa ezizayo okanye nakwiminyaka.
Yiya nomdla
Olu luvo aluzange lube ngumcebisi olungileyo wokunyusa imali yakho kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, kunokukhokelela ekubuyiseleni kwimeko ezingafunekiyo nangaliphi na ixesha ebomini bakho. Ukongeza, kuqhelekile ukuba abatyali zimali abancinci nabaphakathi batyale imali yabo kukhuseleko kwinto yokuba banyuka kwiimarike zezemali. Ngaphandle kokunikela ingqalelo kolunye uthotho lwezinto zobugcisa nezisisiseko ezinokukunika ukungathandi okungaphezulu kwesinye ngomzuzu othile ebomini bakho. Ngeziphumo ezingxamisekileyo ezinje, umzekelo, onokuthi ubambeke kule asethi yemali, oko kukuthi, kude kakhulu nexabiso othenge ngalo izabelo.
Ufuna ukuthengiswa
Enye yeemeko ezingafunekiyo ezinokuvela ukusukela ngoku zinxulunyaniswa nokuhlawulwa kwemali kwiiakhawunti zokonga imali. Ngengqiqo yokuba awunyanzelekanga ukuba utyale imali ingafuneka kwixesha elifutshane. Le yimpazamo enkulu, ngaphandle kwamathandabuzo, uya kuthi uyihlawule kakhulu imfuneko yokwenza intlawulo engaqhelekanga esekwe kuhlahlo-lwabiwo mali lwakho okanye losapho. Njengaye, umzekelo, ukuhlangabezana noxanduva lwakho lwerhafu. Kufuneka utyale imali leyo ongazukuyidinga kwiinyanga okanye kunyaka ozayo, kuxhomekeke kubude botyalo-mali.
Awafanelekanga ukuba neemvakalelo
Enye into ekufuneka uyiphephe ngexabiso eliphezulu kukulawulwa ziimvakalelo ezingenangqondo zokuba akukho nto intle iza kukuzisa xa kufikwa kwiimarike zezabelo. Kuba enyanisweni, ungathandabuzi ukuba ukuthandana nesenzo kunokuba yingozi. Ukongeza, oku kukusebenza okungenzi naluphi na uluvo kuba ngapha koko uthetha ngemali hayi enye into. Kwaye njengabatyali mali kweli candelo bazi kakuhle akukho luvo lufanelekileyo. Ukuba akunjalo, ngokuchaseneyo, ilawulwa ngamanye amaparamitha ngakumbi ukuthanda izinto. Ukuza kuthi ga kwinqanaba lokuba uhlawule kakhulu ngale ndlela yokusebenza ngokungenangqondo kuyo nayiphi na indawo yokujonga.
Vulelekile kutyalo-mali
Ewe, iresiphi yempumelelo ayibhalwanga, kodwa kukho iimpazamo eziphindaphindayo ezinokuthi, ukuba ziyathintelwa, zibe yinzuzo kakhulu. Enye yezona zinto zixhaphakileyo kukugxila kuphela kwiinkampani ezinkulu ezidweliswe kwiimarike zezabelo. Kuya kufuneka uhlalutye ukuba oku akusoloko kusenzeka kwaye ayingomthetho obhaliweyo ukuba ukhuseleko olukhulu zezona zikhuselekileyo ukwenza ukuthengwa kwezihloko. Isicwangciso esingeyonyani esinokukuthintela ekukhetheni amathuba okwenene eshishini. Ihlala icetyiswa kakhulu ukuba ihlolisise iinkalo ezintsha kutyalo-mali kwaye ngamanye amaxesha eyona nzuzo iphezulu ibakhona kwiqela lamaxabiso amancinci naphakathi kwimarike yemasheya. Akufanele uzivale ngokuchasene nokwenzeka okunjalo.
Iinkampani ezinamatyala amaninzi
Enye yezona mpazamo zinkulu onokuzenza ngoku kukutyala imali yakho kwiinkampani ezidwelisiweyo ezinenqanaba eliphezulu lokungena ematyaleni kwaye ngenxa yoko unokuyiphungula le nyaniso kwizicatshulwa zabo. Ngaphandle kwenyani yokuba ukutyala imali kwiinkampani ezinamatyala amaninzi kwiindawo ezinje ngamaxabiso enzala asezantsi, njengoko kusenzeka ngalo mzuzu, kunokuba yinto enokuzuzisa kakhulu. Kodwa ngokubanzi, iinkampani ezinamatyala amaninzi ayizizo ezifanelekileyo Ukuthengwa kwezabelo. Phakathi kwezinye izizathu kuba le meko inokuboniswa kwikoteyishini yamaxabiso abo. Kuzo zombini iimeko, yinto eyahlukileyo ekufuneka uyithathele ingqalelo xa ucwangcisa naluphi na uhlobo lotyalo-mali kwiimarike zezabelo.
Funa ukhuseleko lotyalo-mali ngakumbi
Esinye isitshixo silele kwinto yokuba licebo elilungileyo ukukhetha iinkampani ezikumacandelo emveli kwaye zikwicandelo ngaphantsi kokutshatyalaliswa, ezinje ngala enza umgaqo, amandla okanye amacandelo okutya. Kuba ngamaxesha athile kunokwenzeka ukuba kula maxesha wenze ngokuchaseneyo nento ekufuneka uyenzile. Oko kukuthi, khetha amaxabiso anobundlongondlongo kwaye anokuwa kwisicatshulwa samaxabiso abo. Enye yezona zimvo zibalaseleyo kukulungelelanisa utyalomali nexesha lezoqoqosho ekuntywiliselwa kulo kwiimarike zamasheya kwihlabathi liphela. Ukuza kuthi ga ngoku ukuba esi sicwangciso-mali sinakho ukuvelisa imbuyekezo entle.
Ulwahlulo olwahlukeneyo
Awusoze wathi ukwahluka akusebenzi kushishino lotyalo-mali. Ukuba akunjalo, ngokuchaseneyo, yindlela ebalaseleyo yokwenza gcina imali yakho eyinkunzi ngaphezulu kolunye uthotho lokuqwalaselwa kobuchwephesha. Ayothusi into yokuba ungafikelela kwezinye iiasethi zemali, ezinjengezo zivela kwiimarike zengeniso esisigxina. Ukuze bakwazi ukudityaniswa ngendlela elungelelene kakhulu exhamlisa umdla wabatyali mali abancinci nabaphakathi. Ngokuziphatha okungcono kunakwimeko yokuma ngakumbi kwizikhundla ezithathwe kwiimarike zesitokhwe.
Beka iinjongo ezincinci
Kwelinye icala, kuhlala kukho ubutyebi bokufunda ukuphulukana nokuseta iindlela zokutyala imali. Akunyanzelekanga ukuba uphumelele kulo lonke urhwebo kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, eyona nto ifanelekileyo kukufumana ibhalansi enenzuzo kakhulu phakathi kotyalomali olungaphumelelanga kunye noloyisileyo. Awunakho ukukhetha ngaphandle kokucinga ukuba ayizizo zonke izinto eziza kulungiswa ngenzuzo eyinkunzi, kodwa kuya kubakho ezinye ezingayi kulungiswa ngale ndlela. Ngale ndlela, ukwenza izicwangciso ezilungileyo nokwenza imali kwiiakhawunti zakho kunokuba yenye yeenjongo zakho eziphambili xa utyala imali kwiimarike zezabelo.
Awungekhe ulibale ukuba ngamanye amaxesha ukungazifezekisi iinjongo zakho kunokuba sisizathu sokuxakaniseka kubatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba uninzi lwabo luyeke ukusebenza kwezi marike zezemali. Kuza kuba yimfuneko kakhulu ekucwangciseni utyalomali kuzo zonke iimeko ukuthintela iimpazamo ekukhukuliseni ingxelo yethu yengeniso.