Yintoni amandla

Igama lokuphakamisa, ligama eliqhele ukusetyenziselwa ukuchaza umxholo onento yokwenza netyala, nangona kunjalo abantu abaninzi bacinga ukuba eli gama libhekisa kwinkqubo yobusela ngokwasemzimbeni ngenxa yokungazi. Ukuyinqanda loo nto, namhlanje siza kuthetha nawe malunga nokuba lithetha ntoni elo gama kunye nokuba linokusetyenziswa njani kwezoqoqosho, ukongeza ekukuxeleleni ukuba zeziphi izibonelelo kunye nezinto ezingalunganga ezithandwa kakhulu.

Oku okanye hayi kwilizwe lezemali, ligama ekufuneka ulazi kuba uza kuliva ngaphezu kwesinye.

Yintoni amandla

Xa sithetha ngazo imbonakalo yemaliSithetha ngegama elichaza inkqubo yamatyala ukuxhasa naluphi na uhlobo lomsebenzi. Masikucacise oku ngcono kancinci: siza kuyenza nini i- ukusebenza kwezemali kodwa asifuni okanye asinakho ukusebenzisa iimali zethu ngokupheleleyo, oku kwenziwa ngeemali zethu kunye nemali mboleko.

Le nkqubo inika izibonelelo

Este uhlobo lweenkqubo zokuphakamisa imali inika izibonelelo ezininzi kumntu okanye kwinkampani efuna ukuyenza; Phakathi kwazo, leyo izakuphindaphinda inzuzo kuba inika utyalomali oluphezulu kunolo sinalo; Nangona kunjalo, isenokungahambi kakuhle kwaye endaweni yokuba ube unenzuzo ekulindelweyo, uphela ungenayo nayiphi na inzuzo kuloo msebenzi, kodwa ngumngcipheko oqhutywa nakweyiphi na indlela yokusebenza kwemali.

Siza kwenza umzekelo ukuze iqondakale ngokugqibeleleyo

Masicinge okomzuzwana ukuba siza kwenza intengiselwano kwimarike yemasheya eza kuthi ihlawule i-1 yezigidi zeerandi. Siyazi ukuba ngethemba, emva konyaka, ezi zabelo ziya kuxabisa i-1,5 yezigidi ze-euro emva koko sithathe isigqibo sokuzithengisa. Kule meko, siphumelele i-50% yembuyekezo iyonke.

Ukuba kulo msebenzi mnye, siyaqhubeka Ukunyusa imali. Kule meko, singabeka i-200 lamawaka kuphela kwaye ibhanki ingasishiya i-800 lamawaka (1: 3). Siyalazi nenqanaba lenzala eliyi-10% ngonyaka.

Ngonyaka, izabelo zixabisa i-1,5 yezigidi ze-euro kwaye uthatha isigqibo sokuzithengisa.

Uyazithengisa kwaye kuya kufuneka uhlawule oko ukutyalayo. Eyokuqala ngaphandle kwama-euro angama-80.000 ebhankini yenzala eyenziweyo ngetyala lakho kwaye emva koko ubuyisele amawaka angama-800 abolekwe yibhanki. Masikhumbule ukuba siphumelele i-1,5 yezigidi kwaye senza ukubala kuloo nto. Sithatha kweso sibonelelo i-880 lamawaka engena ematyaleni kunye ne-100 lamawaka yethu yokuqala engenzi nzuzo kuba besele sinayo. Inzuzo eseleyo esele sinama-420 amawaka.

Okwangoku ucinga ukuba ngokutyala imali wedwa, uzuze amawaka angama-500 kwaye ngoku uzuze amawaka angama-420 kodwa kufuneka uqaphele ukuba kulawo mawaka angama-500 bekukho ama-200 akho okuqala ngoko ke inzuzo yokwenene ibiyi-300 kuphela ingeyi-420. sesona sizathu sokuba Ukunyuswa kwemali kuyasebenza kwaye kusebenza kakuhle kakhulu.

Umngcipheko wokusebenzisa imali

Ngoku siya kwinxalenye yesibini, kuba yonke into esikuchazile yona intle kwaye inenzuzo ephezulu kakhulu, kodwa ayisiyiyo eyenzeka rhoqo.

Siya kwityala elinye kodwa imeko eyahlukileyo. Makhe sicinge ukuba endaweni ye- nyusa inzuzo ukuya kwi-1,5 yezigidi, iye yehla kakhulu kwaye ibekwe kwi-900. Apha, kwasekuqaleni, siyazi ukuba siphulukene ne-100.000 yeeros ukuba asikhange sibhenele kwaye ukuba senze njalo sele siphulukene ne-180.000 ye-euro.

Nantsi ke isiza Icandelo elibi lokunyusa, kuba kwimeko yokuqala, siphulukene nemali yethu kuphela kwaye akukho nto yenzekayo; Nangona kunjalo, kwimeko yesibini, siphulukene nemali kwaye sinetyala ebhankini, kufuneka sibuyisele ebhankini yonke imali esiyicelayo kunye nenzala, enokuthi iphindaphinde amatyala ethu.

Kule meko, uxhamlo alunangeniso kodwa yinto engahleliwe, kuba akunakwenzeka ukwazi ngokuqinisekileyo ukuba izabelo ziya kunyuka okanye zehle ngonyaka, nangona kwezinye iimeko ukuba unokufumana uqikelelo oluthile.

Kukho iimeko ezinobungozi ngakumbi apho isitokhwe siwa nangakumbi. Umzekelo ukuya kuma-700. Okwangoku siphulukene nayo yonke into ebesiyityalile kwaye sishiyeke netyala elikhulu ebhankini ngokuqinisekileyo esingenakukwazi ukusombulula.

Ukuba kwi indawo yokuthuthuzela Ngolu hlobo lwenkqubo, kufuneka kusoloko kukhunjulwa ukuba kufuneka kwenziwe utyalo-mali lokuqala, kodwa apho siyazi ukuba umvuzo (xa unenkampani) uya kuba phezulu kakhulu. Le kuphela kwendlela apho, nokuba umthamo ungahambi kakuhle, unokuba kwindawo ekhuselekileyo, kuba uya kuqala ukuba nesisombululo njengoko inkampani izuza.

Ukubethwa kwezemali.

Kwilizwe lezemali, nabani na uchaza isilinganisi njengomlinganiselo phakathi kwemali eyinkunzi anayo umntu kunye nekhredithi anayo.

Ixabisa malini ibhanki kwinkqubo yokufumana amandla

Ukukunika umbono omncinci, kuyo yonke i-euro onayo kwikhredithi yakho, ibhanki iya kuthi ibeke ngaphezulu kwee-euro ezingama-4. Akunakulindeleka ukuba ibhanki ikunike ngaphezulu, kuba ukuba kungahambi kakuhle, i Ibhanki ingayibuyisa imali yakho, kodwa ngepesenti ephezulu, ilahleko zomntu ziya kuba zinkulu kakhulu kwaye ngenxa yoko kwibhanki nayo.

Uvela phi umgangatho wezemali?

Le nkqubo yenzeka okokuqala ngo-2007 xa i-bubble yendawo yokuthengiswa kwezindlu yaveliswa eUnited States naseSpain. Kule meko, bekucingelwa ukuba amaxabiso ezindlu aya kuhlala ekhuphuka, kodwa ngenye imini baqala ukuwa kwaye kwafuneka kuthathwe amanyathelo agqithisileyo.

Ixesha lokufumana ezemali

Imeko yokufumana amandla ezemali kukuba yenzeke ingeniso kufuneka ihlale iphezulu kunenzala sinike amatyala.

Kutheni kufuneka isetyenziswe xa usebenzisa ityala okanye imali mboleko

Xa sisebenzisa le ndlela, oku kuyonyusa imali yokugqibela esiza kuyifumana, kuba isetyenziselwa ukwandisa imisebenzi ngaphandle kokuphelelwa ngamatyala.

Ngubani onokusebenzisa amandla ezemali

Nangona naliphi na icandelo linokusebenzisa amandla, licandelo lezemali elixhaphaza le ndlela kakhulu, kuba licandelo elifuna eyona nzuzo.

Ayizizo zonke iinkampani ezinobuganga bokwenza uxinzelelo lwezezimali.

Kwizinto ezininzi ezinokubakho, kukho umngcipheko wokuba izinto aziyi kuhamba kakuhle, nezinokubangela ukuba inkampani inokungabinamali. Kwiimeko ezininzi, inzala kwikhredithi abayinikileyo kunye nekhredithi uqobo, ivelisa ilahleko ezingazukukwazi ukuhlawulwa kwaye bayaqonda ukuba ngekungcono ukuba bengalusebenzisanga olu hlobo lwendlela.

Zeziphi iinkampani ekufuneka zazi ngaphambi kokuzenza

Kuyo nayiphi na uhlobo lohloboIsitshixo kukutyala imali eninzi kunokuba kufanelekile ukufezekisa inzuzo enkulu, kodwa kuya kufuneka usoloko une-solvency eyongezelelweyo ngaphandle kweso sibonelelo xa izinto zingahambi kakuhle. Xa sisithi intengiselwano ihlawulisiwe, sithetha ukuba intengiselwano inetyala phakathi (ityala esinalo nebhanki).

Xa sisebenzisa imali eninzi ematyaleni, sihlala sikhona hlawula inzala ephezulu malunga nabo, ekuhambeni kwexesha okunokubangela ukuba sibe neengxaki zokubuyisela imali ebhankini okanye singafumani imali eninzi njengoko besicinga ngaphambili.

Ke, kuya kufuneka uyazi nenqanaba lokuphakama abasinika lona. Umzekelo, xa ibhanki isixelela ukuba izakusinika isibonelelo se-1: 2, isixelela ukuba ngeyuro nganye esiyifakileyo, baya kusinika i-euro ezi-2 zekhredithi. Xa basixelela i-1: 3, iyakuba zii-euro ezintathu kwibhanki ngeyuro nganye esiyifakileyo.

Ukuba siyibeka ku-1: 4 ngemali eninzi kakhulu, inzala ekuya kufuneka siyibhatele kwiqumrhu inokunyuka kakhulu.

Uxhathiso lwangaphandle okanye lwangaphakathi

Uthetha nini nge amandla angaphandleSithetha ngesibonelelo esinikwa yinkampani ekhupha ityala kwaye isekwe kwingeniso evela kwityala, imisebenzi esele icwangcisiwe ngaphambili inokwenziwa.

Xa uthetha nge amandla angaphakathiKuyatshiwo ukuba umnini zabelo wenza imali mboleko yobuqu ukuze aphucule amandla enkampani echaziweyo kwaye ngale ndlela, imali iyakutyalwa komnye umntu kwinkampani hayi kubantu besithathu abangaphandle kwayo. Kule meko, kwabanini zabelo, okwenziweyo kukususa ngokungaphaya ukunyuka kweebond capital.