Ukuzithemba kwabatyali mali bamanye amazwe kwintengiso yesitokhwe yaseSpain kusete irekhodi elitsha kunyaka ophelileyo. Ngokwengxelo yonyaka yobunini bezabelo ezidwelisiweyo, ezilungiselelwe yiNkonzo yoPhando yeBME, abangahlaliyo bane-48,1% yemarike yemasheya yaseSpain. Bangamanqaku amabini eepesenti ngaphezulu konyaka ophelileyo kwaye bamele irekhodi elitsha lembali. Enye yeenjongo zabatyali zimali abancinci nabaphakathi kukuthatha uthotho lwezilumkiso kwimisebenzi yabo ukuze kungabikho kwenzakalo kubo.
Ngayiphi na imeko, iinkampani ezidwelisiweyo ziyakonwabela ukubanzi okubanzi, okungafaniyo kunye nokucacileyo kobukho babatyali mali bamanye amazwe kwikapitali yabo kuneenkampani ezingadweliswanga. Abatyalomali bamanye amazwe bane-20% yezabelo zeenkampani ezingadweliswanga, xa kuthelekiswa nesiqingatha sexabiso leenkampani ezikwimakethi yestokhwe yaseSpain ezilawulayo. Olunye ulwazi olubaluleke ngakumbi kukuba utyalomali ngqo kwiimarike zezabelo ngoku Iintsapho zehle zaya kwi-17,2%, ngelixa iinkampani ezingezizo ezemali ziphakama.
Ngayiphi na imeko, siza kuphakamisa abatyali zimali ukuba bangathatha uthotho lwamanyathelo okhuseleko ukusukela ngoku ukuya phambili. Ngezenzo ezilula kakhulu ezinokwenziwa ngaphandle kobunzima obukhulu. Ngaphambi kwe- utshintsho olunokwenzeka kwimeko yeemarike zezemali Oko kunokuchaphazela amaqhinga athathiweyo okwenza ulondolozo lwakho lube nenzuzo kule nxalenye yonyaka. Ukuze bakwazi ukugcina imali yabo ngaphezulu kwezinye izinto ezinoburharha. Kwaye oko kuyasebenza kuyo nayiphi na iprofayili kubatyali mali abancinci nabaphakathi. Ukusuka kwezona zilondolozekayo ukuya ekucingeleni.
Izilumkiso: sukutyala imali ongenayo
Kuzo zonke iimeko, kuyafuneka ukuba uqwalasele ukusebenzisa amanyathelo athile ayimfuneko xa uthatha izikhundla kwiimarike zezabelo. Ukuthintela iimpembelelo ezingafunekiyo kuqoqosho lwasekhaya, oluya kuthi lubonakaliswe kukufika kokukhubazeka ekusebenzeni. Esona sikhokelo sibaluleke kakhulu ukuba sithathe ukusukela ngoku asikokutyala imali ongenayo. Oku kuthetha ukuba kuya kufuneka kuthintele ukufuna nawuphi na umgca wekhredithi ukumisela ngokusesikweni ukungena kwiimarike zezabelo. Phakathi kwezinye izizathu, kuba inzala kuya kufuneka ihlawulwe ngaphezulu kwe-6%.
Elinye lamaqhosha okuphuma kulo mzamo uphila kukuba utyala imali kwimarike yemasheya yinxalenye yayo yonke imali oyigcinileyo. Kwinqanaba eliya kuxhomekeka kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi. Ngalo lonke ixesha uthathela ingqalelo umvuzo oza kuba nawo kule minyaka izayo noxhomekeke kuqoqosho lwethu lwasekhaya. Ukuze ngale ndlela, ujongane neendleko ezinazo zonke iintsapho: iindleko zamandla, isikolo sabantwana okanye enye intlawulo engalindelekanga enokuphazamisa uhlahlo-lwabiwo mali losapho. Apho ikhoyo ekupheleni kosuku kukuba inqanaba lamatyala alonyuki ukusukela ngoku.
Ukwahlula utyalo-mali
Kuzo zonke iimeko, umbono oluncedo kakhulu ayikokubheja lonke utyalomali ngokhuseleko olunye. Ukuba akunjalo ngokuchaseneyo, kuhlala kungcono ukwahlula utyalomali ngokusekwe kwiphothifoliyo yezokhuseleko eneempahla zemali eziqinileyo. Ngale ndlela, indlela abaziphethe ngayo iya kuba bhetele xa imeko ingathandeki kwaphela kwiimarike zezabelo. Kuba ngokwenyani, awuyi kuphulukana nemali oyityalileyo kwimarike yestokhwe esinye kwi-swoop enye. Ngomngcipheko ocacileyo kuba ungashiya i-euro ezininzi endleleni kwaye le yeyona meko imbi inokwenzeka kuye nawuphi na umtyali mali omncinci nophakathi.
Ngelixa ngokuchaseneyo, ukukhula kokwahluka okuchanekileyo kutyalo-mali lwakho kungakhokelela ekuveleni iqhinga eliphakathi nelide. Ngaphaya kolunye uthotho lokuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izinto ezisisiseko. Apho kumacandelo ngamacandelo kunye nezahlulo ezahlukeneyo zeshishini ezimelweyo ukuyenza isininzi kunye nokulinganisela okulinganayo kwezokhuseleko. Ungayenza le nkqubo yotyalo-mali, zombini ngokuthenga kunye nokuthengisa izabelo kwimarike yemasheya, kunye nangotyalo-mali olusekwe kwizabelo. Kuxhomekeke kukhetho lwakho kubudlelwane bakho nehlabathi lemali.
Sukutyala imali kukhuseleko olucingelwayo
Alithandabuzeki elokuba esi sicelo sinokuba luncedo kakhulu ukuthintela umngcipheko kurhwebo kwimarike yemasheya. Ngale ndlela, awungekhe ulibale ukuba kubaluleke kakhulu ukuba ungavuli izikhundla kukhuseleko lomxholo ongathandabuzekiyo, onokukwenza ufumane imali eninzi, kodwa kwangaxeshanye kukushiyele ii-euro ezininzi apha endleleni. Ukuya kwinqanaba lokuba bavelise ingxaki enkulu ukuba ufuna ukuthengiswa ukususela ngoku ukuya phambili. Kungenxa yokuba olu tyando lunokwenziwa ngokukhubazeka okufihlakeleyo ngexesha lokuzenza. Njengamaxabiso la abonisa ukungazinzi okukhulu kuqwalaselo lwamaxabiso abo. Kungenxa yokuba ithengisa ngokungazinzi phantse kuzo zonke iiseshoni zokurhweba.
Kwelinye icala, ukhuseleko olucingelwayo luqhelekile ngekhe uzithengise xa ufuna ngokwakho. Nantoni na inokwenzeka kwaye le yindlela ekufuneka uyiqwalasele ukusukela ngoku. Ukuba awufuni ukufumana enye into engalunganga ngexesha lokuhlala kwakho kwixabiso. Njengobungqongqo bakhe bokungahanjiswa ngumkhwa oqhelekileyo kwiimarike zamashishini ezingenanzala emisiweyo. Ngeziphumo ezingalindelekanga ngokupheleleyo kwizicwangciso zotyalo-mali ozithathileyo okwangoku. Ungalibali ukukhusela imali yakho ngendlela efanelekileyo nekhuselekileyo.
Musa ukutyhafiswa
Esinye isitshixo sokungathandi ngokungathandabuzekiyo kwintengiso yesitokhwe isekwe kwinto yokuba ungaphenjelelwa zizimvo ezingenasihlahla. Umzekelo, ezo ziveliswe ngabahlobo bakho okanye nakwiiforum zokutshintshiselana ngesitokhwe ezingalunganga. Ukuya kuthi ga kwinqanaba abanokukunyanzela ngalo yenza imisebenzi engathandekiyo kwaye okubi kakhulu, kungekho siseko sobugcisa okanye esisiseko. Kwaye ukuba ukuphela kosuku kunokukukhokelela kwisiphelo esingasekhoyo onokuzisola kuso kwiinyanga nje ezimbalwa zokuphuhlisa intshukumo kwiimarike zezabelo. Ke ngoko, yonke le misebenzi kufuneka ibekelwe bucala ukunqanda iingxaki zexesha elizayo kutyalo-mali kwimarike yemasheya.
Le ngcebiso kulula ukuyenza inokukunceda ukuba uqondise ukuvela kotyalo-mali lwakho ngeendlela ezicwangcisiweyo nezisengqiqweni. Ngelixa kwelinye icala, inokukhokelela ekubeni utyale imali yakho kwezona zixabiso ziqinisekileyo, kokubini kwiimarike zokulingana zikazwelonke nangaphandle kwemida yethu. Kuya kufuneka uyisebenzise ngoqeqesho olukhulu kuso nasiphi na isicwangciso-mali osenzileyo ukususela ngoku ukuya phambili. Uya kubona ngexesha elifutshane ukusebenziseka kwesi sicelo Ikhetheke kakhulu kwaye ke uyakuhlala usenza ngcono kubudlelwane bakho nelizwe elihlala linzima lemali.
Suka kwi-intuition okanye kwiimvakalelo
Elinye icebo elinokukunika ukhuseleko ngakumbi kurhwebo kwimarike yemasheya ayizukuqhutywa ziintsingiselo zobuxoki. Njengaye iimvakalelo ngaphandle kobungqongqo bobuchwephesha okanye obusisiseko oko kunokukukhokelela kwiimeko ezingafunekiyo kakhulu kwimidla yakho njengomtyalomali omncinci nophakathi. Ngaphezulu kokuthathelwa ingqalelo kobundlongondlongo kwaye nakweyiphi na imeko, incinci kakhulu inokukunceda kwizenzo zakho ezilandelayo. Ukuya kwinqanaba lokuba banokuba nefuthe elingafunekiyo kwimisebenzi yakho kwiimarike ze-equity.
Le yimpazamo eyenziwe izihlandlo ezingenakubalwa ngabasebenzisi abanamava amancinci. Kwaye ekugqibeleni bahlawule kakhulu ngohlobo lwelahleko enkulu. Awunakulibala ukuba baninzi abantu abanomdla okanye iiforamu zengxoxo eziyekelelayo. Akunyanzelekanga ukuba uhoye olo hlobo lwamagqabantshintshi kodwa ufuna ukuba imisebenzi iqondiswe ngeendlela ongazifuniyo. Yinto leyo ngaphandle kwamathandabuzo omele uyilibale ukusukela ngoku ukuba awufuni kuba nesothuso esingaphezulu kwesinye kwisitetimenti sakho sengeniso.
Ngelixa kwelinye icala, kuluncedo kakhulu ukuba kwiimeko ze-uptrend eyona nto inengqondo ukuyenza kukubamba utyalomali. Kude kube ufumana amaxabiso angcono kwisicatshulwa sakho okanye kude kuvele imiqondiso ebonisa ukuphela kwento, nangona ubeka umngcipheko wokuwela kwiimeko ezingaqhelekanga ezinokuthi zenze ixabiso lihle kakhulu ngelahleko elandelwayo kwingxelo yakho yengeniso. Ngapha koko, enye yeenjongo zakho eziphambili kukuba ilahleko ayifuni ngaphezulu. Ukuba akunjalo, ngokuchaseneyo, kufuneka usike ngexesha. Ngale ndlela uya kuziphepha ezinye iingxaki kutyalo-mali.