Iya isanda into yokuba abatyali mali abancinci bacele imali mboleko yokwenza utyalomali kwimarike yemasheya. Nangona kunjalo, lo msebenzi ubandakanya umngcipheko ocacileyo kwaye oko kunokukhokelela ekuchitheni imali eninzi ekugqibeleni kunokuba ibhajethi yokuqala yabasebenzisi.
Kuzo zonke iimeko, zibeka emngciphekweni ngokungeyomfuneko ukuba uphephe kuzo zonke iindleko. Kuba inzala kwimali mboleko inokuphakama kuneyakho izibonelelo zokusebenza kwiimarike zezabelo. Ukuya kwinqanaba lokubangela umngxunya obaluleke kakhulu kwiiakhawunti zakho.
Kwelinye icala, awungekhe ulibale kwezi zihlandlo zichanekileyo zokuba lo msebenzi ufuna inkcitho ebonakalayo, kwaye ukuba azithwalwanga ngabazali babo, banokuyenzakalisa umdla wakho kunye notyalo-mali lwakho kwimarike yemasheya.
Iikhredithi zokutyala imali, umbono ombi
Ngayiphi na imeko, olu hlaziyo alunangeniso kuwe njengoko zifuna umzamo omkhulu wemali ngokuhlawula umrhumo rhoqo ngenyanga. Kwaye kuya kudityaniswa okunokwenzeka iikhomishini kunye nenkcitho kulawulo lwayo ukudibanisa ezi mveliso zezemali. Ukuza kuthi ga kwinqanaba lokuba uzibuze ukuba ingaba ikhontrakthi ixabisekile kusini na ukusukela ngoku.
Ngokukodwa, ngenxa yenzuzo enokubakho ngokusayina isivumelwano sokuthenga. Kuba unokufumanisa ukuba ekugqibeleni kuya kufuneka uthathe iindleko ezingakhankanywanga kwi isicwangciso sezemali. Njengoko kwenzekile kwinxalenye elungileyo yabatyali mali abancinci nabaphakathi kule minyaka idlulileyo.
Inzala kwi-8%
Ukumiselwa ngokusesikweni kolu hlobo lweekhredithi ngekhe kube simahla. Unikelo lwangoku lweebhanki lubabonelela ngenqanaba lenzala eliya kuthi ga kwiipesenti ezisi-8. Ngokusebenzisa inkqubo ye imirhumo engapheliyo Inyanga qho. Kwaye ekupheleni kosuku bachonga inzuzo yokusebenza. Ngayiphi na imeko, iya kuxhomekeka kubume beeakhawunti zakho. Ngaphandle komvuzo onokuthi ube negalelo ngexesha lokuhlala.
Kwelinye icala, inkcitho yakho inokulawulwa ukuba nje uyacutha inkcitho yezinye izinto ezabelwe imali kwasekuqaleni. Kuba iindleko zokugqibela zinokuphakama kakhulu, ngakumbi ukuba ukusebenza kwakho kwiimarike ze-equity akukhuthazwa ngokwenyani kwimidla yakho njengomtyali mali ophakathi nophakathi. Ngenxa yokuba unokulahlekelwa ngaphezulu kunenzuzo kolu hlobo lokuthengisa.
Umonakalo ekusebenzeni
Enye yezona zinto zingathandekiyo kulo mgaqo wemali uhlala kwinto yokuba ungazenza iphrofayili yakho yotyalo-mali oluncinci noluphakathi ngokulinda umgca wezemali. Ngale ndlela, kufuneka uqinisekise ukuba ukhululekile kwezinye iintlobo zemboleko. Ngaphandle kweendleko eziveliswa yile mveliso xa kuthengwa kuthengiswa izabelo kwimarike yemasheya.
Ukusuka kule ndlela kwiimarike ze-equity awungekhe ulibale ukusetyenziswa kwayo ngokuchanekileyo. Apho kubaluleke kakhulu kule ngqiqo yokuba ucwangcise iindleko kule minyaka imbalwa izayo. Ngenjongo yokuba ungafumani isimanga esingalindelekanga. Ngohlobo lwe ukungathobeli yesivumelwano sale layini yetyala emiselwe kukungena kwiimarike zezabelo ukusukela ngoku.
Rhuma kwi-inshurensi
Ukuthintela le meko siyiphakamisa kuwe, kubalulekile ukuba wazi ukuba ungabhalisela i-inshurensi yokhuseleko. Ukuze baphendulwe phambi kwayo nayiphi na intlawulo engeziyo ngezavenge zenyanga. Ngomrhumo wenyanga osondele kakhulu kwii-euro ezingama-20 ungasiphepha esi sehlo esinokukwenzakalisa kakhulu ngexesha lokuphila kwemali mboleko.
Kwelinye icala, ungalibali iindleko ezingaphezulu ezinokufunyanwa ngokusesikweni kwale mveliso yebhanki. Apho uneevoti ezininzi zokulahleka kunokuba uphumelele. Ewe kunjalo, utyalomali kwimarike yemasheya ayifanele ukuba yenziwe ngokusesikweni ngemboleko mali yezi mpawu. Ngaphandle kwento yokuba ngeli xesha ukuphumla kwemali kukuvumela ukuba ube nenqanaba lokhuphiswano olunomdla ngakumbi kunakwiminyaka emininzi eyadlulayo.
Udidi lotyalo mali
Ukuba awucacanga gca malunga nesisombululo sokusebenza kwakho kwimarike yemasheya, kungcono ukuba yeka ukuqesha Olunye lwezi khredithi zobuqu. Kuba kuzo zonke iimeko iya kuba nexabiso elibaluleke kakhulu kuqoqosho. Zombini inzala ekufuneka uyihlawule, kunye nokusebenza kokusebenza kwiimarike zezabelo. Apho unokulahlekelwa yimali xa ugqibezela ukuthengisa izabelo.
Ngelixa kwelinye icala, awukwazi ukuba uza kuvala nini izikhundla kwimarike yemasheya. Kuzo zonke iziphumo ezibi ezinokuthi ziveliswe zezi zenzo kwingxelo yakho yengeniso. Kuba banokukhokelela kwenye imeko engafunekiyo kwiminqweno yakho. Ngaphandle kwendlela icandelo lobuchwephesha kwezokhuseleko olukhethiweyo. Ngobungozi obuninzi kunabo bakhuliswe kwasekuqaleni. Njengomnye wemingcipheko ephezulu onayo kolu hlobo lwemali.
Umngcipheko ekusebenzeni
Ewe, owona mngcipheko mkhulu onawo ekusebenzeni kukuba ekugqibeleni awuyi kuba nakho ukuhlawula iindleko zekhredithi. Njengoko kuya kufuneka wenze inkcitho enkulu kunokuba ukhulise kwasekuqaleni. Ukuthintela iimeko ezinobunzima ezinokuthi zonakalise imisebenzi yakho kwintengiso yesitokhwe. Ukusa kwinqanaba lokuba banokukusa kwi ukuthengisa ngaphambi kwexesha kwezabelo zakho.
Kwelinye icala, ukuba awunamali yokutyala imali kwimarike yemasheya, eyona nto unokuyenza kukungangenisi iimarike zezabelo. Uya kuthintela iingxaki ezininzi kwezi zihlandlo zichanekileyo. Ngale ndlela, kukhethwa ukuba ukhethe imali mboleko yosapho engafuni ukuba uhlawule inzala okanye ezinye iindleko kulawulo nakulondolozo lwayo. Esi sesinye sezitshixo kwimpumelelo yokusebenza. Kungenxa yokuba kuya kufuneka ukhumbule ukuba akukho mntu unyanzela ukuba utyale imali kwintengiso yemasheya.
Akufanele ubeke imali
Kwezi meko akufuneki ubeke emngciphekweni imali yakho kuba ubaleka iingozi ezininzi kuzo. Ngesi sizathu, kuya kufuneka ulinde ixesha elingcono lokuba yenza imali yakho ibe nenzuzo. Kuza kubakho amathuba angcono okwenza olu hlobo lwemisebenzi yezemali. Ukusuka apho ukwenza inzuzo khona ngoqoqosho kunye neziqinisekiso ezinkulu zempumelelo. Apho uya kuba nexesha lokwanelisa iminqweno yakho kwiimarike zezabelo.
Kwelinye icala, awungekhe ulibale ukuba utyalo-mali lwezi mpawu alufuneki ukuba unikwe ikhontrakthi yomgca wekhredithi kutyalo-mali. Iya kuba ngumzamo ophindwe kabini kwezoqoqosho oya kuthi ujongane nawo ukusukela ngalaa mzuzu. Kwaye ke, ekuphela kwento enokukuvelisa ziingxaki kunye nezinye iingxaki. Ngaphandle kokuqinisekisa ngophuhliso olulungileyo lotyalo-mali lwakho nangaliphi na ixesha. Oko kukuthi, emva kwayo yonke loo nto, eyona njongo yakho yangoko ukusukela ngoku. Kuba yimali yakho ongcakazayo.
Izisombululo zokungangeni ematyaleni
Esinye isikhokelo samanyathelo ukuze ungabeki emngciphekweni wokungena ematyaleni kwimisebenzi isekwe kutyalo-mali kuphela imali onayo kwiakhawunti yokonga. Kwelinye icala, esinye isisombululo sivela kuncedo lweemveliso ezahlukeneyo zokonga. Phakathi kwabo iidipozithi zebhanki zexesha elimiselweyo kunye nabanye abaneempawu ezifanayo. Ayothusi into yokuba unethuba lokuba ukusebenza kwayo kuncinci. Ngamaxesha onke ungaphantsi kwe-0,5% kwaye kuzo zonke iimeko aziziseli zibonelelo ezininzi kuzo zonke iimeko zesisigxina
Apho baya kufuna intlawulo kwi-akhawunti phakathi kwe-20 ukuya kwi-40 ye-euro ngenyanga. Ukuya kwinqanaba lokuba kuya kufuneka kurhoxiswe kwangaphambili. Ayibandakanyi naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwazo okanye kulondolozo. Ukutshintsha imali kutyalo-mali kwiimarike zezabelo. Ngaphandle kokuba ubhenele kulo naluphi na uhlobo lweekhredithi ezibandakanya ukuhlawulwa kwenzala engaphezulu kwe-7% yamanqanaba.
Yiya kwingxowa mali
Ngelixa izisombululo zokugqibela zivela kwingxowa mali. Nangona kule meko, kuya kufuneka uthathe uthotho lweekhomishini ezizezona zithwala imveliso yezemali. Kwimizuzwana embalwa xa ukusebenza kwayo akuyiyo eyona nto ifanelekileyo kubatyali mali abancinci nabaphakathi.
Lo ngumlinganiso osebenza kakuhle ukuba ingxowa mali ayiziphathanga ngendlela obulindele ngayo xa ubhalisa le mveliso yemali. Ngembuyekezo ehlwempuzekileyo kulondolozo nakweliphi na iqhinga kuhlaselo. Njengentshukumo yayo entsonkothileyo ukuziqhelanisa neemeko ezintsha kwiimarike zengeniso ezinzileyo kunye nokwahluka. Nangona ngokuchaseneyo zilunge kakhulu ukuba zikwazi ukwenza ugqithiso ukusuka kwelinye ukuya kwelinye ngaphandle kolunye uhlobo lweebhonasi. Ukukhonza ukungena kwizikhundla zeemarike zezabelo.