Ukuxhamla kwiimarike zezabelo kulo nyaka, de kube kukuwa, kuye kwaphawulwa ngamanqanaba abuthathaka angadluli kumanqanaba eepesenti ezi-3. Nangona eyona nto imbi kakhulu kukuba amathemba kwintengiso yemasheya kunyaka olandelayo awangcono. Ilahleko inokwenzeka nokuba inzala inyuka kwixabiso lemali. Ukusuka kwi-0% yangoku apho ikhoyo okwangoku kwaye oku kuyinyani exhasa ulindelo lwabatyali mali kwimarike yemasheya. Kodwa kuyo nayiphi na imeko, iya kuba yimeko engayi kuhlala ixesha elide.
Lixesha lokuba ucinge ukuba iimarike zezabelo azisayi kuba nengeniso njengakwiminyaka edlulileyo kwaye kuyakufuneka ukuba ucinge ukuba zeziphi iimveliso zezemali ekujoliswe kuzo ukusukela ngoku. Apho banikezela ngenqanaba lenzala elungileyo kwaye ukuba ingagqitha leyo yeemarike ze-equity, kungcono kunangcono. Kule meko, omnye wabaxhamli abakhulu bokunyuka kwamazinga enzala ziimveliso zokonga. Imida yakho yokulamla ngokungathandabuzekiyo iya kuphucula kwaye isenokufikelela kwinqanaba le-3%.
Iya kuba ngumzuzu wokuhlalutya ukuba zeziphi ezi mveliso ezinokusenza ukuba sizuze imali ngakumbi ngeemveliso zethu. Kungenxa yokuba ayinakulityalwa ukuba kukho ubomi obungaphaya kwamashishini kwaye ngale ndlela sinokufikelela kwiinjongo ezibekwe kuso nasiphi na isicwangciso sokuzikhusela. Apho ukhuseleko luya kuqhubeka ngaphezulu kwezinye izinto ezinoburharha. Ngenjongo enye kwaye ayikho enye into ngaphandle kokuphela konyaka ngamnye ibhalansi yeakhawunti yethu yokonga inyuka. Oko kukuthi, emva kwayo yonke loo nto, yintoni ebandakanyekayo kuyo nayiphi na inkqubo yolawulo lwemali. Ngothotho lweemveliso esiya kuzo ngeenkcukacha.
Iiakhawunti ezihlawula kakhulu
Olu didi lweeakhawunti lolunye lolona khetho olunokufumana inzuzo efanelekileyo yokufumana inzuzo eyonelisayo kwimidla yabatyali mali abancinci nabaphakathi. Singafumana ireyithi yenzala ukuya kuthi ga kwiipesenti ezi-3 kwimeko elungileyo. Kungenxa yokuba, yenye yeemveliso zebhanki ezimbalwa ezithi ngoku zibethe amaxabiso eSpain kwaye zijikeleze iipesenti ezi-2. Nangona kunikezelwa ngokunqabileyo ziibhanki ezingaboni ngeniso urhwebo lwale modeli kulawulo lwemali. Ngezinye iimfuno ngamanye amaxesha ziba ngqwabalala kwaye zifuneke kubanini beakhawunti ngokwabo.
Ukuze ube neakhawunti ehlawula kakhulu, kuqhelekile ukuba kwiimeko ezininzi kufuneka ugcine ibhalansi ephezulu kakhulu yenyanga. Kunye nokunxibelelana okukhulu nebhanki ngokufumana ikhontrakthi yeenkqubo ezintsha zokonga, imali yotyalo-mali, i-inshurensi okanye izicwangciso zepenshini. Ukuza kuthi ga kwinqanaba lokuba ayingabo bonke abathengi abaya kuba nakho ukufikelela kwimveliso enalezi mpawu. Kulungisiwe, kwelinye icala, kukhululwe kwiikhomishini nakwezinye iindleko kulawulo lwayo okanye kulondolozo, njengelinye ixabiso elongeziweyo ekufuneka libhalisiwe ukuphucula inzuzo yemali.
Izinto ezenziwa kubathengi abatsha
Elinye iqhinga lokuphucula umda wenzala ebonelelwa ziibhanki yenziwa ngale mveliso ukugcina imali. Kulula kakhulu ukwenza isivumelwano, nkqu nakwi-Intanethi, kwaye ikuvumela ukuba ufumane umdla ophakathi kwe-1,50% kunye ne-3%. Nangona indawo yabo ebuthathaka kukuba bafuna amaxesha amafutshane okusisigxina kunakwimodeli yeedipozithi. Kwaye okoko abanini babo bengabaxumi abatsha beziko kuba bengasebenzi kwabo sele besekiwe, ixesha elifutshane kakhulu ebebesebhankini. Ukuba lolunye lweempawu eziphambili zokuchongwa kwezi mveliso ezijolise ekusindiseni abantu.
Ngelixa kwelinye icala, ayinakulityalwa ukuba ezi meko azisoloko zifumaneka. Ukuba akunjalo, ngokuchaseneyo, banikwa phantsi kwezithembiso ezithile okanye ukunyuselwa okungasoloko kubhaliswa. Enye into ekufuneka ivavanywe kulwenziwo lwayo yinyani edityaniswe nohlaziyo oluzenzekelayo ngenxa yokuba ayinakuphunyezwa nakweyiphi na imeko. Ngenxa yeli nyathelo, inzuzo iya kuthatha indawo encinci kakhulu yexesha, njengoko unokuqonda kwelinye icala. Mhlawumbi, kwaye kunokwenzeka, kube kanye kuphela, ngaphandle kokuba utshintshe iziko lakho lezemali rhoqo.
Thethana ngenzuzo kunye nebhanki
Olunye ukhetho onalo ngeli xesha kukuba ungathethana ngenqanaba lenzala kunye nebhanki yakho yesiqhelo. Nangona esi sigqibo sizalisekisiwe, awuzukukhetha kodwa ukubonelela ngothotho lweempawu njengomthengi okanye umsebenzisi. Omnye wabo kukuba ngumthengi okhethiweyo, okanye yintoni enye, umthengi olungileyo: ngaphandle kwamatyala kwaye unegalelo elibaluleke kakhulu kulondolozo lweziko. Kwinqanaba eliphezulu lokunxibelelana eliguqulela kwisivumelwano seebhanki ezininzi okanye iimveliso zezemali. Ezi ziimeko ekungezizo zonke iiprofayili ezinokubonelela, njengoko unokuqonda ngombono othile.
Ngelixa kwelinye icala, akukho kunqongophala kokukhetha kunye namaziko etyala kwaye ngaphandle kwawo awunakuthathwa njengomthengi okhethiweyo. Kananjalo nokuthatha ixesha elide kubudlelwane bakho beshishini kunye neziko lezemali, yintoni eyayibizwa ngokuba ngabathengi bempilo yakho yonke kwaye ngokungathandabuzekiyo ikukhokelela ekwenzeni lo msebenzi ukuphucula inzuzo yeeakhawunti zakho zobuqu kwezi zihlandlo zichanekileyo. Kwelinye icala, iyanceda into yokuba ukwimeko yokufaka eminye yemigca ephambili yamatyala athengiswa ziibhanki kwaye ingowona mthombo wabo wokufumana umvuzo.
Sebenzisa amajelo etekhnoloji
Okokugqibela, oovimba bolwazi bahlala befumaneka, benikezelwa ziindlela zetekhnoloji ezintsha kwaye ezibandakanya ukuphucuka okubonakalayo kumdla oveliswa ziimveliso zebhanki ezahlukeneyo. Ngale ndlela, inqanaba lomvuzo linokuphuculwa ngeshumi leepesenti, kodwa kuyo nayiphi na imeko umahluko awuyi kucaca njengakwezinye iimodeli ekuxoxwe ngazo kweli nqaku. Nokuba yeyiphi na indlela, sisicwangciso esilula kakhulu ukusisebenzisa kwaye siyakuhlala sinakho ukuphucula imivuzo. Ukongeza, yinkqubo etofotofo kakhulu kuba sinokwenza imveliso ibe sesikweni nanini na, nokuba kusebusuku okanye ngeempelaveki. Ngaphandle kwalo naluphi na uhlobo lokusikelwa umda okanye uthintelo ngokubhekisele kwiifomathi zesiko.
Kwelinye icala, esi sicwangciso silunge kakhulu ngokusesikweni kwiidipozithi zebhanki zexesha elimisiweyo. Ngokunikezelwa okubanzi apho sinokukhetha naluphi na uhlobo lokuhlala. Ukusuka kwelona lincinci ukuya kwelona lidala, ngelixa kwelinye icala, ingachaphazeli iimodeli zentengiso ezifuna ubukho bomnini wazo. Le yenye yemiba ekufuneka siyilawule ukuze sikwazi ukuphatha kakuhle olu hlobo lweemveliso lujolise ekongeni nasekutyalomali kwaye luhlengahlengisa kuzo zonke iiprofayili ezithiwe thaca ziseva ezincinci neziphakathi. Ukuba lolunye lweempawu eziphambili zokuchongwa kwezi mveliso ezijolise ekusindiseni abantu.
Omnye umba ekuza kufuneka siwuqwalasele ukusukela ngoku kukuba enye yezona zinto zintle kakhulu kulo nyaka ngokubhekisele kwiidiphozithi zezi mpawu kukuba baya kuba nakho ukuphucula inzuzo yabo ngalo mzuzu kanye xa amaqondo wenzala enyuka kwinxalenye ethile abasemagunyeni kwezemali. Ukusuka kwi-0% abakuyo okwangoku.
Olunye uhlobo lweeakhawunti
La Ukubhaliselwa kwe-intanethi Ikwasebenza nakwezinye iintlobo zeeakhawunti ezithile ezinje ngezo zabantwana okanye abantu abancinci kunye nezinye iimveliso ezahlukileyo ezinje ngeakhawunti yezindlu, yabasebenzisi abaza kuqesha ikhaya kungekudala. Kuzo zombini iimeko, kwaye ngelixa ugcina ubhaliso olufanayo, iiakhawunti ezahlukeneyo zilungiselelwe kumgca ezinokubhaliswa ngeendlela zombini ngabasebenzisi, ngaphandle kokuba iimfuno ezibekiweyo liziko ngalinye ziyafezekiswa.
Ngaphandle kokungaphuhliswa njengeakhawunti ye-Intanethi ngokwendlela yelizwi, banokudibana nobunzima kwinkxaso yangoku yebhanki, apho iimveliso kunye le miqondiso yesazisi Ngenjongo yeebhanki kunye neebhanki zokonga ukugubungela "iiches" zeshishini kwimarike, ekugqibeleni kutsala abathengi abaninzi.
Kwakhona kwezi meko, iiakhawunti ezithunyelwayo azivumi ngqo kwiirisithi, okanye kwimivuzo okanye kwipenshini Abanawo amakhadi ahambelana nazo okanye iincwadi zetshekhi. Isibonelelo sokusetyenziswa kwabo sivela kwakhona kuncedo lokurhuma kunye nokulawula ngamakhaya abo, nditsho neyunivesithi, ebenza bafikeleleke ngakumbi kumacandelo ezentlalo abaya kuwo.