Zinjani iidipozithi zexesha elide?

Iidipozithi zexesha elide, ngenxa yeempawu zazo ezizodwa, zenziwa njengemveliso yokonga kunotyalomali. Ngenxa yezinto ezimbini ezichazwe kakuhle, apho enye yazo isisigxina esikhulu kwixesha layo kwaye kwelinye icala kufuneka ube ixesha elide Akukho mali nangaphandle kokwenza naluphi na uhlangulo. Ziyimveliso yobomi bonke, uhlobo oluqeshwe ngabazali okanye oomakhulu nootatomkhulu kwaye olungakhange lwenzeke kutshintsho kule minyaka idlulileyo. Ukusuka kule ndawo yokujonga, abakuniki izinto ezininzi ezimangazayo ngokusesikweni kwayo.

Kodwa inye into eyahlula kwezinye iifom zotyalo-mali kwaye oko kukuba umngcipheko ekusebenzeni kwabo akukho. Esi sesinye sezizathu zokuba kutheni abasebenzisi abalondolozayo bakhetha olu didi lweemodeli kulondolozo lwabucala. Ngenzuzo encinci, nangona iphakame kakhulu kuneefomathi ezinamagama amafutshane okusisigxina okanye yoyilo oluninzi ngakumbi. Zikhona kwizibonelelo zawo onke amaziko asebhankini kwaye awuzukuba nangxaki yokuzibeka ngokusesikweni ukusukela ngoku.

Imiqathango yokusisigxina kwezi bhanki ububanzi phakathi kweminyaka emi-3 ukuya kwe-6 malunga. Apho ungazukukwazi ukwenza uhlangulo, nokuba lolukhethekileyo okanye olupheleleyo. Ngaphandle kokuba, kwezinye iimeko, uthatha ikhomishini yokurhoxisa kwangoko okuhlala kunyuka ukuya kwi-0,3% yemali ebekiweyo. Kodwa kwiimeko ezininzi iya kuba ngumsebenzi ongayi kuba yingenelo ukuwenza. Ngelixa kwelinye icala, le yimveliso engabandakanyi iikhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo kwaye ke ayizukubiza mali. Enye into eyahlukileyo kakhulu kukufumana inzuzo kwezi mveliso zokonga.

Ukuphuculwa komvuzo

Into oza kuyiphumeza ngokuqesha kwabo kukuba unyuse umvuzo wabo, nangona kuphela zizishumi ezimbalwa zepesenti xa kuthelekiswa nezinye iifom kwiidipozithi zekota. Ukuya kwinqanaba lokuba kuya kufuneka uvavanye ukuba ingaba kufanelekile na ukuba urhume kubo ngokusisigxina ixesha elandisiweyo njengakule meko. Esi sigqibo siza kuxhomekeka ikakhulu kwi iprofayile oyivezayo njengesaver kunye nemali eseleyo oya kuba nayo kwiakhawunti yakho yokonga. Ukujongana neemfuno zemali oza kuba nazo ukusukela ngoku.

Enye yezona zinto zibalulekileyo kukuba yimveliso yebhanki elula kakhulu ukuba ingene kwisivumelwano kwaye ayifuni lwazi lwemali kubaluleke ngokukhethekileyo. Akumangalisi ukuba oomatshini bayo kube lula kakhulu ukuba bayifunde kwaye bayifumane. Ngaphandle kokuba nolunye uhlobo lonxibelelwano nezinye iiasethi zemali. Ukusuka kule ndawo yokujonga, ukumiselwa kwexesha elide akuyi kubandakanya iingxaki kwaye akuyi kuba nezinto ezimangalisayo ngexesha lokuhlala kwakho. Ayizizo iimodeli ezinetyhefu kwaye zinokuqeshwa ngabo bonke abasebenzisi. Ngaphaya kwezinye iintlobo zokuqwalaselwa kobuchwephesha.

Kufuneka babhalise nini?

Le misebenzi icetyiswa ngakumbi xa unemali ongazi ngayo ukuba wenzeni kwaye kuyo nayiphi na imeko awuyi kuyisebenzisela ukusebenza kwiimarike zezabelo. Ukuba unganyamezela ixesha elide kangaka inokuba lithuba lokuba imali ibekwe iminyaka emininzi. Kodwa hayi ngenzuzo etsala umdla kuba oku akunjalo. Ukuba ufuna ibuyela kulondolozo Phezulu kuya kuba ngcono ukuba uye kwezinye iimveliso zezemali, nokuba ungazishiyanga iimarike zengeniso emiselweyo. Ubuncinci baya kukunceda ukuba wandise umda wenzuzo ukusukela ngoku. Ngembuyiselo engaphezulu kwe-0,70% ngexesha apho ixabiso lemali lingu-0%. Oko kukuthi, ngaphandle kwexabiso.

Amaxesha akhoyo ngoku apho umgaqo-lawulo wemali uqhubeka kwindawo ye-euro ayisiyiyo eyona ifanelekileyo yokonga ngqo kwiidipozithi zexesha elide. Ukusebenza kwakhe kuye kwehla unyaka nonyaka ukusukela oko ingxaki yezoqoqosho iza kuphela ngo-2010. Ngeziphumo zokugqibela esizaziyo sonke njengesiphumo sezicwangciso-qhinga ezenziwa yi-European Central Bank (ECB). Oko kukuthi, lixesha elifanelekileyo lotyalo-mali, kodwa hayi lokonga. Ukuza kuthi ga kwinqanaba lokuba ukubuya okungalunganga kwenzeka kwiinyanga ezidlulileyo okuye kwonzakalise needipozithi zexesha elide.

Ndinomdla omncinci

Kumashumi ambalwa eminyaka eyadlulayo, kolu didi lweemveliso zokonga, inqanaba lenzala elikufutshane ne-4% linokufikelelwa. Kodwa izinto zitshintshile kule minyaka idlulileyo kwaye ngoku akunakwenzeka ukuba ufumane umda wolwandiso olunabileyo. Ukuba akunjalo, ngokuchaseneyo, izibonelelo zonyaka ziya kuba zanele kwaye nakweyiphi na imeko Kuyadanisa ukulungiselela umdla wabancinci nabaphakathi. Kananjalo, awungekhe ubanxibelelanise nezi zicwangciso zibonelela ngobume obufutshane. Apho lo mlinganiselo unganyuswa ngeshumi leepesenti.

Ngelixa kwelinye icala, iidipozithi zexesha elide azihlawuli ukunyuka kwamaxabiso afunyanwa kunyaka ngamnye. Kodwa ngokuchaseneyo, njengoko sibona kwezi nyanga. Ngentlawulo eqhelekileyo kwenziwa ekukhuleni, nangona ezinye iimodeli zisenza izinto unyaka nonyaka ukubonelela ngemali eninzi kwiakhawunti yokonga yabanini bemveliso yezemali. Ukuba ziphantse zibe zezona mpawu zayo ziphambili zesazisi kwaye kufuneka uwavavanye ukuze ubone ukuba iyakubuyekeza na okanye awuwenzi lo msebenzi kunye nebhanki yakho yesiqhelo. Kuyo nayiphi na imeko, iya kuba sisigqibo sakho.

Iidipozithi zexesha elide: iimpawu

Olu didi lweemveliso zokonga lunokufumana ikhontrakthi kwixesha eliphakathi kweminyaka emi-3 ukuya kwe-6, apho iidipozithi ezinomdla okhulayo zinokukhethwa, zilungelelaniswe okanye zidityaniswe kwisalathiso sesitokhwe, ubuncinci benkunzi phakathi kwama-2.000 nama-5.000 euros, iphezulu kunaleyo yezinye iimveliso zokugcina izinto kumagama asezantsi. Kwiindleko, kufuneka ube nemali engafakwanga ixesha elide kwaye unamathuba amancinci okuyihlangula. Ukujongana nesidingo sokujongana neenkcitho ezingalindelekanga, amatyala kubantu besithathu okanye ukuhlawulwa kweebhili eziphambili zekhaya.

Kwelinye icala, awungekhe ulibale ukuba eyona ndlela iqhelekileyo yokuthengisa olu hlobo lweemveliso zezemali kukusebenzisa inzala eyandayo, apho imiqathango mide inzuzo iya isiba nomtsalane ngakumbi, nangona kwipesenti ingabambeki kakhulu kubabhalisi bezinto , malunga ne-1%. Kwaye kwirhafu yokunyusa inokuphakama kwishumi ngakumbi. Kodwa nangayiphi na imeko, ngaphandle kwembuyekezo ebalaseleyo.

Yenza ibhegi yokonga ezinzileyo

Eminye imiba ekufuneka ithathelwe ingqalelo xa kuqeshwa kukuba iidipozithi zexesha elide azibandakanyi ukunyuswa okanye ukwamkelwa okunikezelwayo okujolise kakhulu kubasebenzisi bebhanki, okanye ubuncinci ngamandla afanayo nakwezinye iifomathi. Nangona ngokuchaseneyo, kwiimeko ezininzi isixa semali esipheleleyo sedipozithi esiqinisekisiweyo siqinisekisiwe, esilukhuseleko kunye nesaver kula maxesha esiphithiphithi. Inokuba yenye yeendlela onokuthi ubenazo ukuba ufuna into engaphezulu kwezinye izinto kukugcina ikomkhulu lakho okanye ilifa losapho. Yinto elula kwaye ngale ndlela awuyi kubenza nzima ubomi bakho.

Kwelinye icala, ukumiselwa kwexesha elide kunokuba sisigqibo esibi ukuba iimarike zokulingana zenyuka okanye zikwisikhundla esiphantsi. Inqanaba elibanzi. Ukuza kuthi ga kwinqanaba lokuba uya kube uphulukana nemali kwezi zikhundla. Kuba ayinakuze igqithe amandla okuthenga amaxabiso aphawulwe ngokunyuka kwamaxabiso. Oko kukuthi, ayizukusebenza ngenzuzo ukukhusela umdla wakho. Ukuba akunjalo, ngokuchaseneyo, iya kuba yindlela yesiko kakhulu yokudala ibhegi yolondolozo ezinzileyo kodwa engonelanga kwixesha eliphakathi nelide. Oko kukuthi, emva kwayo yonke loo nto, eyona njongo yayo iphambili.

Akhawunti yeDiphozithi ekhuselekileyo

Olu hlobo lweemveliso zezemali lubalasele ngokusisiseko kuba linokubhaliswa ukusuka kumyinge ophantsi wenyanga ofikelelekayo kumakhaya, malunga nama-euro angama-50 phantse kwaye, apho ikomkhulu eliphakathi okanye lexesha elide lenziwa ukuba livumele umniniyo aqokelele imali elizayo kunye nomdla ovelisayo. Ngayiphi na imeko, yindlela entsha evulekileyo kwiiprofayili zabashuseli abazikhuselayo okanye abagcinayo ukuze bakwazi ukufumana imbuyekezo encinci kwimali yabo.

Yindibaniselwano, ke ngoko, phakathi kweakhawunti kunye nediphozithi ngokwesiqhelo, kungoko igama layo, elinobuncinci ubuncinci iminyaka emihlanu, nangona ukuba nangasiphi na isizathu umnini kufuneka abenemali eyimali atyaliweyo. ukuhlawulelwa ngokupheleleyo okanye inxenye emva kweenyanga ezintandathu ekuqeshweni. Ikwanesiqinisekiso sokuba uyakuhlala ufumana kwakhona, ubuncinci, iipesenti eziyi-100 zesixa esikhutshwe kutyalo-mali olwenziwe, olongeza ukhuseleko kunye nokusebenza kwakho.


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