Imali mboleko phakathi kwabantu ngabanye: banjani kwaye baxhasa ntoni ngemali?

abantu babucala Itekhnoloji entsha ifikelele kwicandelo le- Inkxaso mali yabucala. Ngokusebenzisa amaqonga edijithali apho izinto ekuthiwa ziikhredithi phakathi kwabantu ziyathengiswa. Ifom ngenye indlela eyahlukileyo yokuba abasebenzisi kufuneka bazibonelele ngokwabo amatyala phambi kwezona mfuno ziphambili ekufuneka bejongane nazo. Kodwa ayisiyondlela yakudala yetyala, kodwa ukugcina imigca echaziweyo enokubangela umdla kakhulu ekwamkelweni.

Ukusuka kule migca ngokubanzi eboniswe yimali mboleko phakathi kwabantu, zininzi izinto ezinqabileyo eziveliswa yimfuno zabo. Ukuqala, imali ayiveli ebhankini okanye kwiziko lezemali. Kodwa yomntu osebenzisa i indima yombolekisiOko kukuthi, ngubani okuboleka imali ngexesha elithile kwaye phantsi kweemeko ebezisungulwe ngaphambili phakathi kwala maqela mabini. Ngeyona njongo iphambili yokufumana imbuyekezo kulondolozo lwakho ngokushiya isixa kwabanye abantu. Ngale ndlela, omabini amaqela axhamla kwinkqubo.

Umbolekisi kuba ufumana imbuyekezo kwikapitali yakhe ebengenakuba nayo kwiimveliso eziphambili ezimiselwe ukonga (iidipozithi zekota, amanqaku ezithembiso zebhanki, iiakhawunti ezinengeniso ephezulu okanye iimali zotyalo mali). Apho kunokwenzeka kuphela isondela kumanqanaba eepesenti ezi-2. Okanye njengakwimeko yeemveliso ezijolise kutyalo-mali apho kungekho mbuyekezo iqingqiweyo okanye isiqinisekiso kunye nokuthatha uthotho lomngcipheko kwimali oyityalileyo. Kwimizuzwana embalwa, apho ukungazinzi kweemarike zezemali yenye yezona zinto ziphambili ezixhaphakileyo.

Ukuxhasa ngemali umntu ngamnye

mbolekoNgelixa elinye iqela, oko kukuthi, umenzi-sicelo semali mboleko, angayiphumeza injongo yakhe, kodwa iimeko ezingcono zesivumelwano. Olunye uphawu olubonelelwa yile mveliso intsha ngezemali kukuba kuphela kwendlela yokufikelela kwinxalenye yabemi baseSpain. Kungenxa yomvuzo wakhe ophantsi, kuba unetyala lesivumelwano kwibhanki yakhe okanye ngokuhlala kwi Uluhlu lwabangeneleli (I-ASNEF, iRAI, njl. Njl.) Ayivunyelwanga ukuba ifikelele kulo naluphi na uhlobo lwetyala. Nkqu nezo ziphantsi okanye ngeebhonasi. Ayothusi into yokuba imali-mboleko phakathi kwabantu lithuba lakho lokugqibela. Xa bengakwazi ukufikelela kwimigca yetyala eqhelekileyo ekhuthazwe ziziko mali.

Ukuba kufikelelwe kwisivumelwano, omabini amaqela anokuxhamla kule nkqubo. Kwelinye icala, ummangali, ngubani oza kufumana inzala yokhuphiswano ngakumbi kunabanye. Ngepesenti esekiweyo emiselweyo kwi-6%, kwaye kuyo nayiphi na imeko iphantsi kunaleyo yenziwe kwiibhanki. Ngokuncitshiswa okuphakathi kweepesenti ezimbini ukuya ezintlanu zepesenti xa kuthelekiswa nenkxaso-mali yemveli Ukongeza, zonke iintlobo zekhomishini kunye nezinye iindleko ekulawuleni nasekulondolozeni ziya kuthintelwa eziya kunciphisa iinzame zoqoqosho kulwakhiwo lwayo.

Izibonelelo zaBabolekisi

Ngelixa kwelinye icala, abo babizwa ngokuba ngababolekisi, kwelinye icala, baya kuba nakho ukwenza imbuyekezo eyonelisayo ngakumbi kulondolozo lwabo. Ukusuka kwi-1% ebonelelwa ziibhanki ngoku xa zisayina iidipozithi zexesha, amanqaku ezithembiso okanye kwiiakhawunti ezihlawula kakhulu. Oko kukuthi, i buyela kwikomkhulu lakho kunenzuzo ngakumbi kwaye mhlawumbi ngokusisigxina okunokuthamba ngokuxhomekeke kwiimfuno zelinye iqela. Loluphi umdla onokulufumana kwesi sicwangciso? Ayisiyo ngeniso echaziweyo kuba kwimeko nganye yahlukile kwaye yonke into iya kuxhomekeka kwisivumelwano nelinye icandelo lenkqubo.

Ngayiphi na imeko, le modali yenkxaso-mali ihamba phantse kuluhlu oluya ukusuka kwi-5% ukuya kwi-9%. Nangona le mida ingagqithwa ngokuxhomekeke kwisivumelwano ekufikelelwe kuso nomsebenzisi. Enye into ekufuneka ithathelwe ingqalelo kukuba akukho luhlobo lweekhomishini okanye ezinye iindleko ezichaziweyo kulawulo lwayo, njengoko kusenzeka kwizinto ezibizwa ngokuba ziikhredithi eziqhelekileyo. Ezifana nezo zithathwe ekuvulekeni, kufundo okanye kurhoxisweni kwangoko, phakathi kwezinye zezona zibalulekileyo.

Izizathu zokukhetha le modeli

abasebenzisiNgayiphi na imeko, ukuba uza kuboleka imali komnye umntu, awuzukukhetha ngaphandle kokwazi ezinye zezibonelelo eziza kukuzisela le ntengiselwano phakathi kwabantu. Kwimeko apho nangaliphi na ixesha uzifumana usemngciphekweni wokwenza ezi ntshukumo zemali. Phakathi kwazo kukho izibonelelo ezilandelayo esiza kukuveza ngezantsi:

  • Unako phucula inzuzo yakho ukusuka kumanani aphantsi angenakukucingela iingxaki zokuhlawula amatyala ukujongana nenkcitho oza kujongana nayo kunyaka omnye okanye emibini.
  • Unako khetha umxhasi eyonelisa kakhulu ngokusekwe kwiimpawu zayo. Ngale ndlela, unezihluzo ezinamandla zokufumanisa ukuba ngoyena msebenzisi ubalaseleyo ukuboleka imali kwaye phantsi kwantoni.
  • Sisicwangciso sotyalo-mali esiza kukunceda woyise amaxesha amabi elihamba kuwo ishishini. Ixabiso lemali. Apho, okwangoku ixabiso layo lingunothi, ikwi-0%, njengesiphumo semilinganiselo yemali yeBhanki eNkulu yaseYurophu (i-ECB).
  • Ungafumana imali eqingqiweyo neqinisekisiweyo qho ngonyaka oya kukunceda wenze imeko yeakhawunti yakho yokonga ibe yehle ngakumbi kunangoku. Ngandlel 'ithile, yimali eyongezelelweyo owawungenayo xa wawuphuhlisa usapho lwakho okanye uhlahlo-lwabiwo mali lwakho.

Umngcipheko wale misebenzi

Ngokuchasene noko, ukuboleka imali kumntu kukusebenza ngaphandle kwemingcipheko. Umzekelo, ukuba bathathe ixesha elide ukuhlawula okanye nokuba kungakho ukulibaziseka ekubuyeni kwakho. Ukuthintela le meko, kuyacetyiswa kakhulu ukwenza ezi ntshukumo phantsi kweambrela yokhuseleko, kodwa ngaphezulu kwayo yonke iqonga elithembekileyo.

Enye into engalunganga kwimali mboleko phakathi kwabantu ihleli kwinto yokuba imisebenzi inokuhlala iminyaka emininzi. Oko kukuthi, bane Ixesha lokuhlawula ide kakhulu kwaye ithatha ixesha elide ukufumana imali yakho. Ayothusi into yokuba le misebenzi inokuya kwiminyaka emithathu okanye emine.

Kukwafanelekile ukukhankanya ukuba iikhredithi phakathi kwabantu zifuna i thembela kwelinye iqela. Oko kukuthi, uza kubolekisa kubani imali kwaye kuya kufuneka wazi ukuba zeziphi izizathu ezenziwa lelinye iqela. Nokuba kunokubakho kuluhlu lwabasilelayo ukusukela ukuba bebekule ndlela kuya kufuneka uphephe naluphi na uhlobo lobudlelwane. Kuninzi onokulahleka emva kwayo yonke loo nto.

Baza kufumana ntoni abamangali?

dinero Ngokuchasene noko, ukuba ukwimeko yalowo ufuna ukucela imali-mboleko, izibonelelo onokuzifumana zahluke kakhulu. Abayi kuba nanto yakwenza nabo babolekisi kwaye yiyo loo nto umbono wabo uya kwahluka ngokupheleleyo kuzo zonke iimbono. Nangona kunjalo, ezi zezinye zeenzuzo eziza kuziswa lolu hlobo lwemali.

  1. Unokufumana ikhredithi kuwe amaziko amatyala ala kunye nezinye iinkampani ngezizathu ezininzi. Ukongeza, iimfuno zokufikelela kule mveliso ikhethekileyo azifuneki njengakwimeko yangaphambili.
  2. Inkxaso mali inokuvela kuwe ngexabiso eliphantsi kuba kuqhelekile ukuba elinye iqela likubuze ngenqanaba lenzala elisondele kwi-5% okanye kwi-6%. Ngayiphi na imeko, ukhuphiswano ngakumbi kunolo lubonelelwa ziibhanki. Ngaphandle kokuhlawula iikomishini kunye nezinye iindleko zokufumana imvume.
  3. Kwelinye icala, unendawo ebanzi apho khetha umbolekisi wakho. Mhlawumbi ngumahluko obaluleke kakhulu phakathi kwabo, kubandakanya nexabiso lenzala abaya kukucela ukuba usebenze ngokusemthethweni. Ukuya kwinqanaba lokuba uhlalutye izindululo zezemali ezicetywayo kuwe ukusukela ngoku.
  4. La umahluko Ngokubhekisele kumgca wekhredithi obhalisiweyo ebhankini, unokufikelela kwi-25% okanye nangaphezulu kwezinye iimeko. Ngale ndlela, ungagcina imali ukuze uzinike imali kwiinyanga okanye kunyaka ozayo.

Kuphela ukuba ziyimfuneko

Isicwangciso esinokusebenza kakuhle xa ujongene naso Ukungxamiseka kokuhlawula amatyala akho kwiakhawunti yakho yokutshekisha. Njengomphumo wetyala kumntu wesithathu, inkcitho engalindelekanga okanye nayiphi na imeko efuna ulungiselelo lwemali kwicala lakho. Ngale ndlela, ikhredithi phakathi kwabantu inokukunceda uphume ngaphezulu kwengxaki enye ngexesha elithile ebomini bakho.

Okokugqibela, kufanele ukuba kuqatshelwe ukuba le ndlela yokubonelela ngemalimboleko iluncedo kuphela kwiimeko zosweleko olukhulu. Akunyanzelekanga ukuba uye kubo ngaphandle kwesizathu kuba ukuphela kosuku kuyakufuneka uyibuyise kwaye uhlawule uthotho lwezinto onomdla kuzo. Ewe, ukusetyenziswa kwemali mboleko phakathi kwabantu kuphezulu kakhulu, nangona ikwabonelela ngemida engaphezulu kunikezelo lwayo. Hayi ngelize, kuya kufuneka uchasane nenyani yokuba ngale modeli inqanaba lakho letyala liya kunyuka. Njengakwiikhredithi ezinikezwe ziibhanki. Ungalibali ukuba awufuni ukungathandi.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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