Enye yezona zinto zibaluleke kakhulu kutyalo mali kwiimarike zezabelo kukungena kukhuseleko. Yindawo ekubhekiswa kuyo apho umsebenzi uya kuba nenzuzo kwaye ngenxa yesi sizathu kubaluleke kakhulu lungisa amaxabiso ngendlela eyonelisayo kakhulu kwimidla yabatyali mali abancinci nabaphakathi. Ayifani ukuthenga izabelo nge-3 kunee-euro ezingama-4. Phakathi kwezinye izizathu kuba kuya kufuneka sisebenzise iqhinga lotyalo-mali elahlukileyo. Ukuya kwinqanaba lokuba kuyimfuneko ukwahluka indawo yokuphuma kutyalo-mali.
Kuzo zombini iimeko, uneenkqubo apho ungangena khona kwiimarike zokulingana ngeziqinisekiso ezingakumbi zempumelelo. Ukuba unethuba elingaphezulu okanye elingaphantsi kokufanelekileyo uya kuba nakho ukwenza ukonga okunenzuzo ukusukela ngoku. Ngoncedo olongezelelekileyo ekulula kakhulu ukuba balusebenzise kwaye balusebenzise, ngaphandle kwesidingo salo naluphi na uhlobo loqeqesho okanye namava amaninzi kolu hlobo lokuthengisa. Ngeziphumo eziya kuba ntle njengoko uza kubona.
Amanqanaba okuvula izikhundla kwimarike yemasheya aya kuthatha isigqibo sokuphumelela komsebenzi. Nokuba kukwiimarike zesizwe okanye ngaphandle kwemida yethu. Ngale ndlela, ingcebiso yokuqala esikunika yona kukuhlengahlengisa amaxabiso okungena ngaphezulu kwezinye izinto zobugcisa. Ukuze ngale ndlela, utyalomali lwakho lube nokukhula okunokubakho ngakumbi kunangaphambili. Ewe, iimali ezinkulu ezizungeze i-10% azifani nokufumana inzuzo ye-2%.
Amanqanaba okungena: iavareji yokuhamba
Kuya kufuneka uzame ukuqondisa iindlela zakho zotyalo-mali kwizitokhwe ezithengisa ngaphezu komndilili ohambayo. Le parameter inokuthatha njengesalathiso kuyo 20,100 okanye iiseshoni ezingama-200 zokurhweba. Okubanzi koku, kokukhona kunokuthembeka kweziphumo kunye nokukhuseleka kokusebenza kweemarike zezabelo. Kwelinye icala, le yinkqubo enefuthe elisebenzayo kumaxabiso apho ezi ntshukumo zenzeka khona. Ukuya kwinqanaba lokuba i-avareji yokuhamba ihamba njengenkxaso ngaphambi kokuwa okunokwenzeka.
Ukuba kukho nakweyiphi na imeko umndilili okhethiweyo wokuhamba ugqithile, iya kuba ngumzuzu oqinisekileyo wokuba uyeke izikhundla kwiimarike zezabelo. Phakathi kwezinye izizathu zokuba kutheni yehla ngamandla amakhulu kwaye oko kunokubangela ilahleko enkulu kutyalo-mali. Ukongeza, yenye yeenkqubo ezikhethwe ngabahlalutyi abaninzi bezemali ukucebisa ukhuseleko lwabo abaluthandayo kubaxumi. Ngethuba elihle lokuba uqikelelo lwakho lotyalo-mali luya kuzaliseka.
Ukoyisa ukuxhathisa
Yenye imodeli yokudwelisa ethembekileyo nesebenzayo kuba kunqabile ukuba iphosakele kuhlalutyo lobuchwephesha. Kungenxa yokuba iyahambelana nento ebizwa njalo umthetho wonikezelo kunye nemfuno phakathi kwabatyali mali Iimarike zezabelo. Isicwangciso-qhinga sayo silula kakhulu ukusisebenzisa kuba isekwe kwinto enengqiqo yokuphumeza into yokuba xa uxhathiso lwaphukile lwanele, imeko yokuhamba kukunyuka nkqo. Phakathi kwezinye izizathu kude kube kuphikisiwe.
Le nkqubo yohlalutyo isetyenziswa ngamawaka namawaka abatyali zimali abancinci nabaphakathi abasebenzisa le ntshukumo kulungelelwaniso lwamaxabiso ukuthatha isikhundla kukhuseleko, kwisalathiso okanye kwicandelo leemarike zezabelo. Ewe akunzima ukuyifumana kwangexesha kwaye ngale ndlela yenze ukonga kwethu ngesiqinisekiso esikhulu sempumelelo kunangoku. Kungenxa yokuba ukongeza, ukubanakho ukuphononongwa kuphezulu kakhulu kwaye ngaphezulu kwezinye iinkqubo kutyalo-mali lwabucala esizisebenzisa rhoqo.
Ubungakanani bekhontrakthi
Ukunyuka kwezabelo zexabiso ezihamba kunye nokunyuka komthamo wentengiso kukwasisiqinisekiso sempumelelo kutyalo-mali lwethu kwimarike yemasheya. Kungenxa yokuba abatyali mali babonisa umdla kukhuseleko ekuthethwa ngalo. Kodwa oku kufuneka kubekho ukonyuka okubaluleke kakhulu kwi utshintsho lwezihloko phakathi kwabatyali mali. Iya kuba luphawu olucacileyo lokuba into iyenzeka ngokwenene kwaye iinkunzi zeenkomo zitolikwa njengezitshixo zentshukumo enamandla yokunyusa. Inokuba lelinye lamaxesha apho kufuneka ungene kwiimarike ze-equity ukuze imali oyenzayo ikonge.
Ngelixa kwelinye icala, awungekhe ulibale ukuba le yenye yeeparameter ezilula ukuyifumana kwaye ke ayifuni lwazi lubaluleke kakhulu kuhlalutyo lobuchwephesha. Ngokukhawuleza ukuba ube nomdla kwihlabathi lemarike yemasheya, uyakuqonda umahluko owenziweyo kumthamo wentengiso yamasheya achaphazelekayo. Sisicwangciso sotyalo-mali esithi kunqabile ukusilela kwaye ke unokuyisebenzisa ngomngcipheko omncinci ekusebenzeni. Ukuya kwinqanaba lokuba ingumthombo wesalathiso senxalenye elungileyo yabahlalutyi bezemali.
Uphengululo lwabahlalutyi
Njengoko usazi kakuhle, brokers bahlala bejonga rhoqo Amaxabiso ekujoliswe kuwo eenkampani ezidwelisiweyo. Ukuthatha phezulu okanye ezantsi ngokusekwe kuqikelelo lwakho. Kwimeko apho bakwimeko yokuqala, inokuba lithuba elihle lokungena kwizikhundla zabo. Kungenxa yokuba intshukumo ephezulu yokuqina ihlala ikhula, ubuncinci ngexesha leeseshoni ezimbalwa zorhwebo. Yenye yeemeko zokungena kwiimarike zezemali nangona ngamaxesha amafutshane kakhulu okusisigxina kukuhamba kwayo okuphezulu kunqabile.
Kwelinye icala, uphononongo olwenziwa ngabahlalutyi bezemali lubangela inyani yokuba ungatshintsha ipotifoliyo yakho yezokhuseleko. Ukuphelisa ezinye izindululo kwimarike yemasheya kunye ukongeza ezinye ngokunxulumene namathemba aba bathetheli bezezimali. Ngayiphi na imeko, ayithembakali njengeyona idlulileyo, kodwa ubuncinci uya kuba nomnye umthombo wesalathiso sokwenza iphothifoliyo enobuchule kunye nokulinganisela kotyalo-mali ukusukela ngoku. Ngokwesiseko esineenjongo ezingundoqo ezinokukhokelela ekubeni wenze ukuba ibhalansi yeakhawunti yakho yokonga ikhule ngendlela enomvuzo kwimidla yakho.
Ukwandisa ukuvalwa kweveki
Xa le meko isenzeka, umqondiso oqinisekileyo unikwa ngengqondo yokuba izabelo ziya kunyuka ngexabiso kwiiveki ezizayo. Kodwa ngale nto awuzukukhetha ngaphandle kokuba kakhulu kulindwe ukuvalwa kwiimarike zezabelo. Ayothusi into yokuba uthelekiso kufuneka lwenziwe ngaphezulu kwexesha elithile, okungenani iiveki ezine okanye ezintlanu. Lumka kakhulu, kufanele ukuba ibe kukuvalwa kokugqibela kweveki, hayi iintsuku eziphakathi kwaye kule ndlela abanakuthetha ngayo. Ukongeza, ukunyuka kuya kuba yinkqubela phambili kwaye ngokubanzi kungabi ngamandla amakhulu.
Enye into ekufuneka uyithathele ingqalelo ukusukela ngoku yile inento yokwenza nokuba kungenzeka ukuba ibe sisilumkiso sobuxoki. Le yinto enokuthi yenzeke kwaye yenzeke rhoqo ngakumbi kunokuba unokucinga kwasekuqaleni. Ngesi sizathu, le nkqubo yohlalutyo inokuthenjwa kancinci kunezinye esizityhileleyo kuwe kwaye zifuna ubunzulu obukhulu bezinye iinkqubo okanye amanani kwimarike yemasheya. Ukuze ngale ndlela ungafikeleli kwixabiso. Oko kukuthi, kukude kakhulu kwixabiso lokuthenga kwaye kunokukhokelela ekubeni wenze ukuthengisa okungafunekiyo nangaliphi na ixesha.
Ilungele ukuphuma kwiimarike
Ngayiphi na imeko, esinye sezibonelelo ezamkelwa yile nkqubo yotyalo-mali kukuba iyavumela Fumana inzuzo ephezulu kuba ukunyuka kwamaxabiso kunamandla kakhulu. Kodwa kwelinye icala, kuya kufuneka ujonge umzuzu xa ukuvala okwandayo kweveki kuyeka. Kuba ngoku, iya kuqaphela ukuba ubulindele ukuphuma kwizikhundla ngokukhawuleza. Akumangalisi ukuba ukuwa kuhlala kulingana nokunyuka kwaye nayiphi na impazamo inokudlala umdlalo ombi. Kungenxa yokuba ekupheleni kosuku yimali yakho oyingcakazayo kule misebenzi kwintengiso yemasheya.
Ngazo zonke ezi zicwangciso zotyalo-mali, ukusukela ngoku kuya kuba lula ukwenza ukonga okunenzuzo. Kodwa ukwazi ukuba kwiimarike ze-equity akukho nto ingenakuphosisa kwaye unokwenza impazamo engaqhelekanga etshabalalisa zonke iinkqubo obuzilungiselela ukufezekisa ezona njongo zakho zinqwenelekayo kwimarike yemasheya. Kuzo zombini iimeko, kungcono kakhulu kunakwimisebenzi yakho yiya kwixesha elifutshane ngeendlela ezizizo kwizinto ezenzekayo kwiimarike zezemali. Ukuze ekugqibeleni impumelelo ifakwe kwingxelo yakho yokugqibela yomvuzo.