Ukutyala imali kuyo nayiphi na i iimarike zemali, kwiimarike zelizwe nezangaphandle, akukho mfuneko yimbi ngaphandle kokuba nenkunzi efunekayo neyimfuneko yokwenza imisebenzi. Ukusuka kule nyaniso, ezinye iinkalo ezingabalulekanga ngaphantsi ziya kongezwa, kodwa ezinokuthi zisonjululwe ngokulula. Kwelinye icala, babe nokufunda okuyimfuneko ukuphuhlisa iiodolo zokuthenga ngempumelelo ngakumbi. Kwaye kwelinye icala, yiba nomonde oyimfuneko, ukuba izinto azihambi njengoko ubucebe ekuqaleni. Ngokusekwe kwezi mpawu, akusekho zibophelelo kumtyalo-mali olungileyo.
Ugxininise kuphela kwinkalo yemali kutyalo-mali, ngokuqinisekileyo uvile umntu okungqongileyo echaza oko Awungekhe utyale imali kuba awunayo nayiphi na imali oyigcinileyo yokubonisa umnqweno owunqwenelayo wokwenza ii-asethi zakho zibe nengeniso.. Kwaye akuyi kuba mbalwa, abo bathi, babanjwe ngokuthenga kwabo (ngelishwa), abanako ukuthengisa njengoko bekude kakhulu kumaxabiso ngenxa yale ntshukumo. Kwaye ke ngoko, yenza utshintshiselwano olutsha kwiimarike zezabelo, ngokusisiseko ukubuyisela ilahleko eqokelelweyo. Akunamsebenzi, baya kuba yinxalenye efanelekileyo yabatyalo-mali abancinci nabaphakathi abaneengxaki zokuxhasa ngemali ukungena kwabo kwiimarike zamasheya.
Ukuthintela ezi zinto ukuba zenzeke, kwaye nangona ziqhelekile, Amanye amaqumrhu ebhanki akhethe ukunika abathengi babo iindlela ezikhethekileyo zokuxhasa ngemali, kwaye nentsusa ngokohlobo lwekamva labo. Azikho ezinye ngaphandle kweemali-mboleko ezenzelwe utyalo-mali, kwaye zenziwe liqela lamaqumrhu emali ukuzithengisa kubaxumi bawo abaphambili, ngakumbi abona bantu banovakalelo ekuphuhliseni le misebenzi.
Ngokwale mbono, ezi mboleko zikhethekileyo zinokuba nenjongo ephindwe kabini, kwaye azikho nzala kubamkeli. Kwelinye icala ukuba ne-liquidity efunekayo, ngaphandle kokuthengisa utyalo-mali (imarike yemasheya, iimali zotyalo-mali, kunye nezinye iimveliso zemali), njengesiphumo somsebenzi ombi okhokelela ekufakweni kwelahleko kwipotfoliyo yotyalo-mali yabo bafuna le mveliso ngenkxaso-mali. Kwaye kwelinye icala, ukuba nemali efunekayo yokuphuhlisa ii-odolo zokuthenga, ngaphandle kokuxhomekeka kwibhalansi ye-akhawunti yakho yokutshekisha.
Musa ukuluthengisa utyalo-mali lwakho
Enye yeemeko eziqhelekileyo abanazo aba bathengi, kwaye apho unokuntywiliselwa khona, kukuba iphothifoliyo yakho yokhuseleko inelahleko, kwaye awukwazi (okanye kufuneka) uthengise izibambiso zabo ngamaxabiso akhoyo abekwe ziimarike zezimali.. Ekubeni baya kumiselwa ngokusesikweni ngebhalansi engalunganga kwibhalansi yokugqibela, enokuthi kwezinye iimeko ibe nzima kakhulu, nangona ilahleko enkulu kwii-asethi ezityaliwe.
Ukuze ungenzi intengiso, iyonke okanye inxalenye, kwezi meko zimbi kakhulu, olu hlobo lwetyala luphunyeziwe. Iluncedo kakhulu ukuphepha ezi meko, kwaye oko Baya kukuvumela ngokhuseleko olupheleleyo ukuba uqhubeke kunye namaxabiso ekhontrakthi, ngelixa ukwazi ukuzibonelela ngemali eyaneleyo yokujongana nezona ndleko ziyimfuneko kubomi bakho bemihla ngemihla (amatyala endlu, isikolo sabantwana, irenti yendlu yakho, njl. njl.).
Kwakhona, uya kuba nakho ukufumana ukonyuka kwimihla ebekiweyo yokuvala umsebenzi, ngelixa uzama ukufumana amaxabiso akho esitokhwe ukuba anyuke kwiinyanga ezizayo, okanye kwiminyaka. Kwaye ubuncinci bafikelela kumaxabiso abo okuthenga, ukuwathengisa ngokuqinisekileyo kwaye uzinikele kweminye imisebenzi, nokuba kukwiimarike zemasheya, okanye kwezinye iindlela ezizezinye.
Ukuba manzi ukwenza imisebenzi
Enye imeko evezwa kuwe ayikho enye ngaphandle kwaxa ungenayo imali eyaneleyo yokwenza umsebenzi we-stock market. Yinto exhaphake kakhulu phakathi kwabatyali-zimali abathengisayo, njengokuba kunjalo nakuwe, kwaye mhlawumbi awukwazi ukuyiphuhlisa, okanye baya kufuna umjelo wenkxaso-mali ukuze bamisele ngokusesikweni isikhundla sakho kwiimarike zemali.
Ezi khredithi zikhethekileyo ziya kukunceda ufezekise injongo yakho oyifunayo, kodwa ngokutshintshiselana nokuhlawula inzala rhoqo ngenyanga, okuya kuthi mhlawumbi kulinganise utyalo-mali lwakho. Hayi ilize, Kuya kufuneka ucinge ukuba kufanelekile na ukwenza ikhontrakthi yezi mveliso zebhanki, kwaye kwiimeko apho baya kuba luncedo kakhulu kwizinto ozithandayo njengomgcini. Ngenxa yokuba ukwenza i-concession yakho ibe nenzuzo, akuyi kubakho isisombululo ngaphandle kokunyusa ukusebenza okufumanayo kwi-stock market order. Uya kufuna inzuzo ephezulu ukuba awufuni ukuyibuyisela ngempumelelo imali-mboleko.
Ngoku kufika ixesha lokuvavanya ukuba kufanelekile na ukuba ucele enye yeekhredithi ezivulelwe utyalo-mali. Izinga lenzala elisebenzayo kuwe ngeli xesha liya kuba lisigqibo., kwaye kwakhona ukuba ibandakanya iikhomishini okanye ezinye iindleko ekugcinweni kwayo okanye kulawulo. Kwaye ekugqibeleni, ukuba ungayihlawula ngexesha elifanelekileyo lexesha, elikunceda ukuba uhlangabezane nolindelo oludalwe ukusombulula iingxaki zakho zotyalo-mali.
Iimali-mboleko ezinikezelwa ziibhanki
Unikezelo oluveliswa licandelo leebhanki alukanelanga, kwaye lulinganiselwe kwizindululo ezimbalwa ezithe ngqo ezenziwe ngamanye amaziko okuthenga ngetyala. Nangona kunjalo, Uyakuhlala unenketho yokuthatha imali-mboleko yegeneric ngakumbi ukuze ujongane nezi meko. (umntu, ukusetyenziswa ...), ezikhoyo kwiindlela zorhwebo eziye zaphuhliswa zonke iibhanki. Ngalo lonke ixesha uphantsi komnikelo onamandla kakhulu, apho unokufumana zonke iintlobo zeekhredithi, ngaphandle kokukhetha, kunye nendalo eyahlukeneyo.
Ngokuqinisekileyo, iikhredithi ezijoliswe kutyalo-mali azikuniki iimeko zekhontrakthi ezithambileyo, kodwa zifana kakhulu nezinye izindululo zenkxaso-mali. Unexesha elithile nje lembuyekezo yalo elungelelaniswe kwiimfuno onokuthi ube nazo nangaliphi na ixesha. Kodwa kancinci.
Ngenxa yezi mpawu, Ukunikezelwa kweebhanki kuncitshiswe kwiziphakamiso ezimbalwa, ezinokukunceda ukuba uphume kwiingxaki ezingaphezu kwenye.. Kwaye kuya kuba lula kuwe ukuba uzihlalutye ukuze ubone ukuba ukumiselwa kwazo kuya kulunga na okanye hayi. Nguwe kuphela onokubonisa indlela omawuyithathe kwesi sihlandlo. Kwaye ukuhlonipha umdla wakho njengomtyali-mali omncinci.
Enye yeemali-mboleko onokuzifumana kwiimarike zebhanki yi Imali-mboleko yoTyalo-mali enikezelwa yiBankia kwezi zihlandlo zikhethekileyo. Ayisiyomodeli yenkxaso-mali emileyo, kodwa ngokuchaseneyo, unokukhetha phakathi kwenqanaba lenzala elimiselweyo okanye eliguquguqukayo, ngokuxhomekeke kumdla wakho, kunye nendlela ofuna ukuyihambisa njani inkqubo yebhanki. Ukongeza, ungayandisa i-amortization yakho ngenkqubo yezavenge zenyanga ezinokuya kuthi ga kwi-14 ngonyaka. Ngokuqinisekileyo kuya kukunceda ukuba uhlawule imali encinci ngonyaka, nangona iindleko zokusebenza ziya kuhlala zifana.
Ayisosindululo sodwa onaso phambi kwakho, kodwa iDeutsche Bank ilungiselele enye indlela eneempawu ezifanayo. Kwaye inegama elifanayo, elifana neMali-mboleko yoTyalo-mali. Ilungiswa phantsi kweqondo lenzala elikhuphisanayo kunezinye iimali-mboleko, ukuze ukwazi ukuwenza ngokusesikweni umsebenzi ngeziqinisekiso ezinkulu. Kwaye kuyo nayiphi na imeko, ukuba nexesha elide le-amortization, kuxhomekeke ekuvuthweni kotyalo-mali lwakho, olunokufikelela kubuninzi beminyaka eli-10.
Amanye amaqumrhu, ngokuchaseneyo, agxila ngakumbi ekuboneleleni abaxumi bawo ngezinye iindlela ezingacacanga kangako ngenkxaso-mali, ezithengiswe njenge. IiKhredithi zeSiqinisekiso soTyalo-mali. Kwaye banenjongo ethile kakhulu, engeyiyo enye ngaphandle kokukuthintela ekuthengiseni izikhundla zakho zokulingana. Balawulwa yimiqathango efana kakhulu nezindululo zangaphambili, kunye nomahluko omncinci kwigatya oya kuthi usayine ukuba uyazamkela ezi ngcebiso.
Iingcebiso ezisixhenxe phambi kokuqesha
Ukuba ukhetha nayiphi na imithombo yenkxaso-mali eyenziwe yinkqubo yebhanki, kuya kucetyiswa kakhulu ukuba ucinge ngothotho lwezitshixo eziluncedo kakhulu ukwazi ukuba umsebenzi uya kuba nenzuzo kuwe. Kwaye ngakumbi ukuba kukulungele ukuba usayine isivumelwano, kwaye phantsi kweyiphi imiqathango. Kungale ndlela kuphela onokuthi ukhulise umdla wakho, uthintele izinto ezothusayo ezingezizo kwaphela.
Kuya kufuneka uphuhlise kuphela ukwenziwa ngokusesikweni kwayo nayiphi na kwezi khredithi xa ikubuyekeza ngenzuzo eyinkunzi eyenziwe ngotyalo-mali lwakho. Kwaye kuya kufuneka wenze amanani amaninzi kwaye ujonge ukusebenza komlinganiselo.
- Ukhetho lwakho lwemali-mboleko kufuneka lugxininise kwimveliso ebonisa izinga lenzala elikhuphisanayo, kwaye kunjalo ukhululiwe kwiikomishini okanye ezinye iindleko kulawulo lwayo (ukufunda, ukuvulwa, ukurhoxiswa kwangoko, njl.
- Kufuneka ucele kuphela isixa esifunekayo ukuhlawula le misebenzi., ngaphandle kokugqithisa ubuninzi bobuninzi obuya kunikwa yibhanki yakho.
- Kuyacetyiswa ukuba ufunde unikezelo lwenkxaso-mali oluvela kwiibhanki, kuba ngokuqinisekileyo uya kusibona isindululo esiphuhliswe ngeemeko ezingcono, kwaye ngakumbi ngeminqweno ephantsi.
- Ukuba ukhetha nayiphi na kwezi mboleko, Qinisekisa ukuba unokwenza iintlawulo zakho zisebenze, okanye ubuncinci, ukuba awuyi kuwela kwinqanaba letyala elingenakuxhasa ipokotho yakho kwixesha eliphakathi kunye nexesha elide.
- Ukuba unikwe ezinye iimali-mboleko (okanye iimali-mboleko) akuyi kuba sisisombululo silungileyo ukwenza esi sicelo. Ngaphandle kokuba unomvuzo wenyanga ophezulu ngokwaneleyo ukuba uhlawule umsebenzi.
- Zama ukuphelisa ezinye iindlela ukufuna inkxaso-mali, ngokukhethekileyo phakathi kwabahlobo kunye nosapho, ukuze ukubuya kwakho kube nenzuzo ngakumbi. Okanye nokuba kukho iipayiroli ezininzi, ngaphandle kwenzala.
- Zama ngazo zonke iindlela uku khangela ixesha lokubuya lifutshane kangangoko, ekubeni ungayazi into enokwenzeka kuwe ngomso (ukungasebenzi, ukugula, njl.).