Alithandabuzeki elokuba yonke intengiselwano kwimarike yemasheya ibandakanya iindleko ezizinzileyo, njengokusebenza kwebhanki oko kunjalo. Kuba ngokukuko, xa kufikwa kumba wokulinganiswa kweenzuzo ezinokubakho zeshishini ngalinye, akubalulekanga kuphela ukujonga umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa. Ukuba akunjalo, ngokuchaseneyo, kufuneka songeze amaxabiso ekhomishini ukuba imarike nganye yemasheya inayo. Kananjalo nezo zigcino kwaye, ewe, imali leyo emiselwe ukuhlawulwa irhafu, eyi-18%.
Zishwankathelwe zonke -izinto ezimele phakathi kwe-0,50% kunye ne-1,50 Ipesenteji yenkunzi etyalwe- iyakwazi ukubona ingeniso eyiyo yotyalo-mali, ethi kwiimeko apho iingeniso ezinkulu zincinci, zingenakho nokunciphisa impembelelo yekhomishini kunye neerhafu. Oku kufanele ukuba kube ngumsebenzi ekufuneka wenziwe ngabo bonke abathengisi ngaphambi kokuthatha isigqibo sokuthengisa okanye sokulinda inzuzo ephezulu. Ngokuchasene noko, xa iingeniso eziyinkunzi ezivelisiweyo zikhulu, okuncinci kuya kuba yimpembelelo yezi zixa-mali.
Kwangokunjalo, kufanele ukuba kukhunjulwe ukuba ukunyuka kwezixa-mali ezityaliweyo-ngaphandle kokunyuka kwekomishini- isezantsi iimpembelelo zayo kwiiakhawunti zokugqibela zomsebenzi ngamnye owenziweyo. Ngesi sizathu, kuyacetyiswa ukuba ukhethe esinye sezona zinikezelo zinikezelwa ziibhanki kunye namaziko emali ukuze asebenze kwimarike yemasheya, ethi kwezinye iimeko imele ukuya kuthi ga kwi-5% okanye kwi-15% isaphulelo. Ungalibali ukuba ezinye zazo faka ukubonelela kunye nokwenyusa ezinokuba luncedo kakhulu kubatyali mali abancinci nabaphakathi. Ngogcino lwenkcitho yokupheliswa kwabo ekupheleni konyaka.
Iindleko: ekuthengeni nasekuthengiseni
Akufanele ulibale ukuba iibhanki ziya kukuhlawulisa kabini iikhomishini, ngexesha lokuthenga nokuthengisa izabelo. Ngepesenti leyo iya kufana kakhulu kwaye apho okanye apho kuya kwahluka ngokwenyani. Logama nje le ntshukumo iphuhlisiwe phantsi kwempahla efanayo yesabelo ukusukela ziirhafu ezifanayo kwaye zichaphazela ezi ntshukumo zimbini zogcino-zincwadi. Nokuba loluphi na utyalo-mali olwenzileyo ngalo mzuzu kanye. Ngale ndlela, sisixa ekufuneka usazi kuba siza kuthathwa kwimali oyifumanayo kwiimarike zezabelo. Oko kukuthi, kuya kufuneka uhlawule iikhomishini ezizinzileyo kabini.
Ngelixa kwelinye icala, kuya kufuneka uthathele ingqalelo ukusukela ngoku ukuba ezi khomishini ziya kusebenza kuwe ayixhuzulwa ngokwembono yezemali. Kodwa kunoko ngokuchaseneyo kuba baya kuncitshiswa ngokuthe ngqo kwintlawulo eyenziwe kwintengiselwano kwintengiso yemasheya. Umzekelo, ezi khomishini zentengiselwano yokuthenga okanye yokuthengisa izabelo ngexabiso lama-euro angama-5.000 ziyahambelana nexabiso lilonke elijikeleze i-10 okanye i-15 ye-euro nganye yentshukumo eyenziweyo. Oko kukuthi, ekuthengeni nasekuthengiseni, apho iindleko zizonke ziya kuba phakathi kwe-20 ukuya kwi-30 ye-euro yokupheliswa kotyalo-mali kwiimarike ze-equity.
Ukuthengwa kunye nokuthengiswa kwezabelo
Ngokubanzi, kufanele ukuba iqatshelwe into yokuba iziko ngalinye lisebenzisa imida yalo yokulamla. Ngale ndlela, ekusebenzeni kwe ukuya kuthi ga kwi-2.000 euro isondele kwii-euro ezingama-4 kulowo nalowo msebenzi. Ngelixa lokusebenza ngaphezulu kwe-2.000 euros ukuya kuthi ga kwi-60.000 ye-euro iya kuba malunga ne-8 ukuya kwi-10 euro. Okokugqibela, kwiintshukumo zokuthenga kunye nokuthengisa izabelo kwimarike yemasheya, iya kunyuka iye kwi-0,08% kwimali etyalwe ngemali, ngesixa esiphezulu se-200 yeeros.
Kwelinye icala, ukuguqulwa kunye nokucinywa kwee-odolo akukho khomishini. Okwangoku yena ephezulu yee-odolo zokumisa hayi, nangona ukwenziwa kweodolo kukhokelela ekusebenzeni kweeodolo ekuthiwa yi-stop. Ikhomishini yamashishini emali, kwelinye icala, ayihlali ibandakanya iindleko zokuposa, eziqikelelwa kwindleko ye-0,60 euro. Kuyo nayiphi na imeko, kufanele kuqatshelwe ukuba kunokubakho iyantlukwano ebonakalayo ukusuka kwelinye iziko ukuya kwelinye kwaye kunceda abatyali zimali abancinci nabaphakathi ukuba bakwazi ukubamba le mali kufuneka bajongane nayo kutyalo-mali lwabo kwizabelo.
Imirhumo yebhegi
Yinkcitho entsha ukuba olu hlobo lomsebenzi lubandakanya kwaye awuzukukhetha ngaphandle kokuthatha iindlela zakho zotyalo-mali. Ngale ndlela, kuyacetyiswa ukukhumbuza abatyali mali ukuba eli liqondo elifanelekileyo. ukusukela nge-Matshi 1, 2018 kwizabelo ze-Ibex 35 isalathiso esineemali ezinkulu ezihamba ngaphezulu kwe-10.000 yezigidi zeerandi. Ngaphantsi kwexabiso elingaphezulu kwe-0,003% yetotali ethengisiweyo ngokwe-odolo ubuncinci be-euro. Kwinqanaba elisetyenziselwa ezinye izabelo kunye nokusebenza, kubandakanya namalungelo okubhalisela nasiphi na isabelo esidweliswe kwiNtengiso yeSizwe eqhubekayo.
Ngelixa kwelinye icala, oko kubizwa ngokuba canons ezongezelelweyo kwimixholo eyahlukeneyo. Apho ukusuka ngoMatshi 1, 2018 iBME iseka ezi ndleko zotshintshiselwano ngesitokhwe ziya kongezwa kwezi zangaphambili, kwezi ngqikelelo zilandelayo:
Imiyalelo yenziwe kwifandesi (ukuvula, ukungazinzi kunye / okanye ukuvala). Ngesixa se-1 euro kwi-odolo nganye eyenziwe ngohlobo lwendali, ukuphela komthengi kunye nomhla wesivumelwano. Ngosetyenziso oluphezulu lwee-euro ezingama-3, kuba njengomda kwangolo suku lunye umyalelo ofanayo unokwenziwa kuphela kwiintlobo ezintathu zentengiso. Nangona kufuneka ichazwe ukuba eli nqanaba aliyi kusebenza kwii-odolo ezinxulumene namalungelo obhaliso.
Imiyalelo yevolumu efihliweyo
Enye yeekhomishini ezifakwe kwiinyanga ezidlulileyo yile ichazwe njengevolumu efihliweyo kwaye imele i-0,01% yemali epheleleyo ethengisiweyo ngosuku lomthengi ngamnye, ngomyalelo omkhulu ukuya kuthi ga kwi-15 le-euro kolu hambo lobalo. Ngelixa okokugqibela intlawulo ikwakhona imiyalelo ngezithintelo. Oko kukuthi, ngevolumu encinci; phumeza kwaye urhoxise; konke okanye akukho nto. Ngepesenti ye-0,02% kwimali epheleleyo ethengisiweyo ngosuku lokuphela komthengi, ubuncinci ngokomyalelo ngamnye we-0,5 euros kunye nobuninzi ngokomyalelo ngamnye we-1 euro.
Ezi khomishini zimiselwe kwi enkulu ayaziwa ngenxalenye elungileyo yabatyali mali abancinci nabaphakathi. Phakathi kwezinye izizathu, kuba azisoloko zisetyenziswa kwaye izixa zazo aziphezulu kakhulu. Ukuba akunjalo, ngokuchaseneyo, banokucingelwa kuthengiso ngalunye lwezinto ezikhoyo kwiimarike zezabelo. Ngayiphi na imeko, awungekhe ulibale ukuba la maxabiso asandula ukwenziwa kwaye ngandlela thile amele into entsha kubatyali mali abancinci nabaphakathi.
Intlawulo yokuCoca iBME
Le ntlawulo sisixa esimiselweyo ngentsebenzo nganye (iodolo inokubandakanya ukwenziwa okuninzi), ineendlela ezahlukileyo ngokuxhomekeke kwitotali yenyanga yokuthengiselana enelungu lomthengi elicocekileyo. Lixabiso elincinci lelo Iyahluka phakathi kwe-0,05 kunye ne-0,12 euro ngokusekwe kumthamo wentengiselwano wenyanga. Ngayiphi na imeko, kule ntlawulo, ukuthengiselana kwamalungelo okubhalisela kuya kuba nonyango olukhethekileyo, ukuze kulandelelwano ngalunye lwamalungelo kuphela ukubulawa okungama-25 okuqala, konke okunye ukwenziwa kwaloo myalelo kungahlawulwanga kule ntlawulo.
Enye yemirhumo yemarike yemasheya enokuthi isebenze kuwe yintlawulo yokuhlawulwa kweIberclear. Nangona indawo elungileyo yezinto zebhanki abayidluliseli kumthengi wokugqibela. Ngenxa yesi sicwangciso-qhinga sentengiso, awuyi kusibona kwibhalansi yeakhawunti yakho yokonga. Enye iyonke kwaye iya kuhlawulwa ngenxa yokongeza yonke imirhumo yangaphambili. Nangona kunjalo, onke la maxabiso kufuneka ahlelwe njengamanani amancinci kuba kunqabile ukuba asetyenziswe kubasebenzisi bezinto zokutshintshiselana.
IiKhomishini zeendlela ezingezizo ze-Intanethi
Okokugqibela, asinakulibala ukuba kukho nemirhumo esetyenziselwa ezinye iindlela zokuthengisa. ngaphandle kwe-intanethi. Ewe, elinye lawona matyala aqhelekileyo phakathi kwabatyali mali yinkonzo yebhanki yomnxeba. Kule misebenzi inqanaba elincinci le-0.30% kwimali enikwe amandla, ubuncinci obuphakathi kwe-10 ukuya kwi-15 ye-euro kulowo nalowo msebenzi. Ngelixa kwelinye icala, ukuba imisebenzi yenziwa ngenethiwekhi yesebe, ireyithi yi-0.60% yemali iyonke yokusebenza, ubuncinci be-euro ezingama-15 ngokuhamba ngakunye.
Uku-odola kwizangqa kunye nakwiodolo kwiNtengiso yeNtengiso engeyiyo (i-MAB), iikhomishini ezihlala zisebenza ziibhanki zimele malunga ne-0,30% yexabiso lemali, ubuncinci phakathi kwe-11 ne-15 ye-euro. Ngokuchasene noko, kwii-odolo kukhuseleko lweenkampani kunye nee-REIT ezidweliswe kwi-MAB, ikhomishini iya kufana kakhulu naleyo yee-odolo ezenziwe kwiNtengiso eQhubeka. Enye iyonke kwaye iya kuhlawulwa ngenxa yokongeza yonke imirhumo yangaphambili. Nangona kunjalo, onke la maxabiso kufuneka ahlelwe njengamanani amancinci kuba kunqabile ukuba asetyenziswe kubasebenzisi bezinto zokutshintshiselana.