Alithandabuzeki elokuba olu didi lweedipozithi zebhanki zexesha elizinzileyo yenye yeefomathi zentsusa ezikhoyo ngoku. Kuba iimpawu zabo ezizodwa zikuvumela ukuba ufumane inzuzo enkulu kwezi zihlandlo zichanekileyo. Nangona abekho kwizibonelelo ezenziwa ngamaziko emboleko. Apho igalelo lalo eliphambili lelo ziyafikeleleka kuzo zonke iiprofayili ngabagcini. Kodwa kuzo zonke iimeko kuya kuxhomekeka ekuveleni kwezinto ezahlukeneyo kwimarike zezemali, njengenye yeempawu zayo eziphambili ngokubhekisele kwezinye iimodeli ezineempawu ezifanayo.
Ngelixa kwelinye icala, kufanele ukuba kuqatshelwe ukuba iidipozithi zebhanki ezinxulunyaniswe nezinto ezingafunekiyo zenza isisombululo sokuphucula inzuzo kolu luhlu lweemveliso zebhanki. Kungenxa yokuba abanini bale mveliso yebhanki banokuthatha ithuba lokuphononongwa ngokutsha kwezi mpahla zikhethekileyo. Kwaye zezona zichaphazela ukuxabiseka kotyalo-mali. Ukuya kwinqanaba lokuba kwiimeko ezilungileyo unakho ukufikelela kwi-5% kwinqanaba lenzala yenziwe kule ndlela.
Kuyimfuneko ukugxininisa ukuba olu hlobo lokumiselwa kunokwenza unaniselwano lokonga olwanelisayo kwixesha eliphakathi. Kungenxa yokuba olu hlobo lokumiselwa lufuna ixesha lokusisigxina phakathi kweminyaka engama-2 ukuya kwengama-4 Ngendlela ekuthelekelelwa ngayo kwisibonelelo sangoku esinikezelwa ngamaziko emboleko. Kwenye yeefomathi ezithile zezinto onokuzifumana ngalo mzuzu. Phantsi kweemeko zesivumelwano eswahluke kakhulu kwezinye iimodeli zokonga.
Iirhafu: ngexabiso eliphantsi
Olunye lweempawu ezahlula le mveliso yemali kukuba ungarhuma kwimali encinci kakhulu. Ukusuka kwi-500 euro ukusukela ngoku kusekwe kwiimfuno zokuthengiswa kwemali ezifumanekayo kubasebenzisi ukusukela ngoko. Akukho mithetho ingqongqo ngokubhekisele koku kwaye nakweyiphi na imeko ngaphandle kweyantlukwano ngokubhekisele kokunye ukwakheka kweempawu ezifanayo kwaye zonke iiprofayili zabatyali mali abancinci nabaphakathi zilungisiwe. Ngaphandle kwayo nayiphi na iyantlukwano kule meko kwaye ke ngekhe uloyike naziphi na iziphumo zezi zenzo kubudlelwane nehlabathi elihlala linzima lemali.
Enye into ekufuneka uyivavanye ukusukela ngoku kukuba ezi ntlobo zeedipozithi zexesha elimiselweyo uxolelwe kulo naluphi na uhlobo lweekhomishini kunye nezinye iindleko ekulawuleni okanye ekugcineni. Kungenxa yokuba, akunakulibala ukuba awunalo naluphi na uhlobo lwenkcitho njengoko usenza kolunye utyalomali. Ukuze ngale ndlela, imbuyekezo ibe gross kwaye ayisiyo net, njengoko kunjalo nakwezinye iimodeli zokonga ezineempawu ezifanayo. Kumahluko omnye oya kuthi ube nakho ukuwubona ngezi zinto zibaluleke kakhulu kwaye unokuqhuba nomsebenzi wakho wokwenza imali eyinkunzi ibenenzuzo ngakumbi ukusukela ngoku.
Zinjani ezi dipozithi?
Olu khetho lusekwe kwenye indlela ekhuselekileyo kunokutyalwa ngokuthe ngqo kwimarike yemasheya kuba isiqingatha sotyalo-mali sinxulumene nengeniso esisigxina kwaye elinye icala linxulumene, ngokupheleleyo okanye ngokuyinxenye, kuguquko lwayo nayiphi na into ekrwada kwilizwe kunye nentengiso yamanye amazwe. Ngayiphi na imeko, kufuneka kuthathelwe ingqalelo ekhethekileyo olu hlobo lweemveliso kuba zibalasele kwinto yokuba ikomkhulu unokuqinisekiswa okanye awunakuqinisekiswa, kodwa kwimeko apho bekungekho, umthengi unokulahla lonke utyalo-mali, ngokuxhomekeke kwiimpawu zedipozithi nganye.
Ekugqibeleni, ingumcimbi wokukhawulezisa Imida yolamlo ngaphezulu kwesinye sezicwangciso zotyalo-mali. Ayinamanqanaba akhethekileyo, kodwa ubuncinci ngokwaneleyo ukonwabela unyaka nonyaka ukuthengiswa kwemali eninzi kwiakhawunti yokonga yabanini bezi dipozithi. Ngayiphi na imeko, le meko kwisivumelwano iyaqinisekiswa kuba kufuneka ukuba izinto ezingavuthiweyo zihlangabezane neyona njongo iphantsi kulayini wokucaphuna. Ukusukela ukuba akunjalo, kuya kufuneka kuphela ukukhetha ipesenti esezantsi kwikoteyishini. Yeyiphi enye yeempawu zayo ezifanelekileyo.
Amabhanki ayanikela
Okwangoku isibonelelo semali asinamandla kakhulu kuba zimbalwa izindululo ezinqongopheleyo. Ngale ndlela, ukukhetha eyona dipozithi ilungileyo yezi mpawu, kufuneka kuqala ukhethe leyo inika inzala eqinisekisiweyo ephezulu. Ngaphezulu kokusebenza onokufumana emva Ukusetyenziswa kwabalungisi ngokusekwe kwikoteyishini yamaxabiso abo kwiimarike zezemali. Kuba ayinakulityalwa ukuba le nxalenye yokugqibela kwezinye iimeko kunzima kakhulu ukuyiphumeza kwaye bakhonza ngakumbi njengebango ekuqeshweni kwakho kunezinye izinto. Ngale ngqiqo, eyona nto iya kuba yimodeli elungeleleneyo kunye nemida yokulamla ekulula ukuyithobela.
Ngelixa kwelinye icala, asinakulibala ukuba imeko enxulunyaniswe nezinto ezingekho mthethweni ayimiselwanga ngokusemthethweni kwiindlela zesiko kubhaliso lwabo. Hayi kwiifomathi ezikwi-Intanethi kwaye oko kuya kuthetha ukonyuka kwinzuzo entsha eya kuthi ihambe kwiakhawunti yokonga yabasebenzisi bebhanki. Kwelinye icala, kuyafuneka ukuba nefuthe kwinto yokuba ezi mveliso zezezimali zikhulelwe phantsi komrhumo wenzala ekukhuleni kwaye nokuba yeyiphi na le migaqo, nokuba kukwinyanga ezingama-24 okanye ezingama-48. Akukho kunokwenzeka ukuba kuqokelelwe kwangoko ukuphucula ukuhlawula amatyala kwizikhundla.
Loluphi uhlobo lwempahla ekrwada?
I-asethi eyimali esekwe kwezi dipozithi inokwahluka. Ukusuka kwikofu okanye isoyi ukuya kufana petroleum. Kuxhomekeke kwiimodeli eziye zaphuhliswa ngamaziko emboleko, kodwa kuzo zonke iimeko ziya kuba phantsi koyilo olufanayo kwaye ngaphandle kweyantlukwano ngokwendlela yabo yokusebenza. Oko kukuthi, bafana kakhulu ukususela ngexesha lokukhulelwa kwabo. Apho kuphela umahluko ikhoyo ibhekisa kwimimiselo yabo esisigxina kunye nenani ledipozithi. Ke ngale ndlela, ziyafumaneka kubathengi bamaziko emali. Kwimeko yodwa yokuba banxulunyaniswa nezinto ezingafunekiyo ezazenziwe ngaphambili ngezi modeli zokonga.
Kwangokunjalo, kufuneka kuboniswe ukuba yindlela yokuthatha isikhundla kwiimarike zorhwebo, kodwa ukuba kukuchaphazeleka ngokuthe ngqo kwiimarike zabo zezemali. Ayothusi into yokuba kungabikho bungozi kwimisebenzi eyenziwayo yile yolondolozo lwesiqhelo okanye oluqhelekileyo. Ngelixa kwelinye icala, ikwasebenza njengenketho kulondolozo o Ukukhuselwa kwemali oyityalileyo. Ukoyisa ezinye iindlela ezizisa umngcipheko kwaye ngaphandle kwamathandabuzo kunokwenza ukuba ulahlekelwe yimali ngokuthatha okhethekileyo kwezi asethi zemali.
Kulunge nini ukubaqesha?
Ukunyanzeliswa okunxulunyaniswe nezinto ezingasetyenziswanga kunokumiselwa ngokusesikweni kwiimeko ezithile, kwanomngcipheko wokuba umdla ayilindelwanga ngokwenene ngabatyali mali abancinci nabaphakathi. Olu khetho kutyalo-mali lwesiko kulula ngakumbi ukubhalisa kwezi meko zilandelayo sizikhankanyileyo ngezantsi:
Ngenxa yokungoneliseki kweedipozithi esisebenza ngazo ngalo mzuzu kwaye sinikezela ngembuyekezo engaphezulu kancinane kwe-0,10%.
Xa siqinisekisa ukuba imeko yamaxabiso ezinye zezinto ezisetyenziswayo ikulungele ukuthatha isikhundla kwezi asethi zemali.
Ukumisela ngokusisigxina imigaqo engaphezulu kweemodeli eziqhelekileyo kwaye kunqabile ukuba kufezekiswe ngazo.
Njengokhetho olunobungozi oluncinci olunokuphucula imida yokulamla enikezelwa kwiimodeli zokonga ezithengisiweyo ukuza kuthi ga ngoku.
Ukuba awufuni kukhetha ezinye iimveliso zemali ezibonisa inkcitho engaphezulu kulungelelwaniso lwazo. Ngohlobo lweekhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo.
Zingaphezulu kwezizathu ezaneleyo zokukhetha ezo zenziwe njengezinto ezibizwa ngokuba zizinto ezinxulunyaniswe nezinto zokwenza izinto. Ngaphandle kokufuna inkcubeko yezemali ngaphambili, njengoko kusenzeka kwezinye iimveliso zezezimali, ezinje ngengxowa mali okanye ukuthengwa okufanayo kunye nokuthengiswa kwezabelo kwimarike yemasheya. Ngelixa kwelinye icala, ziseseefomathi zesiko kakhulu kuba zigcina ubume obufanayo ekusebenzeni kwazo. Ngomrhumo wodwa wobudlelwane bayo nezi asethi zemali ezifanelekileyo ngokukodwa.
Ukuze ngale ndlela, kwenziwe ugcino oluzinzileyo lokonga ixesha eliphakathi kwaye loo nto ayivelisi ilahleko kwingxelo yengeniso nakweyiphi na imeko. Nangona ungagqithanga kwimida yokulamla ejikeleze i-5%, njengendawo yokwahlula ngokubhekisele kwezinye iintlobo zedipozithi yexesha elimisiweyo. Ngokunikwa, ekucacileyo ukuba kule meko kulo mbandela bambalwa.