Imarike yemasheya ayikho kwihlabathi elingaphandle kwemithetho. Ngaphezu, ezi unexabiso elibaluleke kakhulu ukuba uyafuna sebenza kwiimarike zemali kunye neziqinisekiso ezithile zempumelelo. Kwaye nokuba ukusebenza kwayo kulawulwa luthotho lweentetho ezithile ezi iluncedo kakhulu ukufaka isicelo kwiintshukumo ozenza rhoqo. Zombini ezi zicwangciso kufuneka zibe ngumthombo wokufunda apho unokwenza khona ukonga kwakho kunenzuzo.
Abatyalomali abanamava ngakumbi kwiimarike zezemali bayazi kakuhle le nto, kwaye ngenxa yesi sizathu abathandabuzi ukusebenzisa ezi ndlela kwiindlela zabo zotyalo mali. Le yeyona mithetho isisiseko kutyalo mali. Zisetyenziselwa ikakhulu ukuthengisa, kodwa kunye nezinye iimveliso ezaziwayo zemali okanye uyilo. Ukutshintshiselana ngemali, izinto eziphuma kuye, okanye ikamva ezinye zazo, nangona zithwala umngcipheko omkhulu kwisivumelwano sabo.
Ukuhambisa imisebenzi yakho kwii-equities, awuzukukhetha ngaphandle koku yenza phantsi kwale mithetho. Ewe kunjalo, ukuba ufuna ukufezekisa iinjongo zakho, ezingazukubakho ngaphandle kokufumana eyona mbuyekezo inkulu kwimirhumo yakho yemali. Akusekho okungaphantsi. Kuya kuthatha umdla nje omncinci ukwamkela ezi zikhokelo, kwaye ekuhambeni kwexesha iziphumo ezilungileyo azizukude ukuba zifike. Ewe kunjalo, ngaphandle kwezithintelo ezincinci.
Imithetho ekugcinweni kotyalo mali
Enye yezona zinto ziphikisanayo yile ichaphazela imigaqo apho utyalomali lujolise khona. Zingaba mfutshane, ziphakathi okanye zide. Kwaye kukho intetho ethandwa kakhulu ekuhambeni kwexesha awusoze ulahlekelwe yimali kwimarike yemasheya. Ukuya kuthi ga kwinqanaba elithile oku kuyinyani kwaye kuxhaswa ngamava abatyali mali abaninzi abanamava abanzi ekusebenzeni kwiimarike zezabelo, nkqu nakwiimarike ezizezinye kwanengeniso esisigxina.
kunjalo, Utyalomali lwexesha elide kunzima kakhulu ukudibana nalo. Kwaye ayingabo bonke abatyali mali abazimiseleyo ukuthobela le mihla ibekiweyo. Ayimangalisi into yokuba uninzi lushiye indlela, kwaye abanye abanakho ukuthatha ithuba lokusebenza kwale ntshukumo. Uluvo lokuthengisa ngexesha luyacetyiswa, nokuba ungatshintshisa ngengeniso encinci, endaweni yokuyeka le miqathango yolondolozo.
Ngokwesiqhelo kuyinyani ukuba ngala maxesha uhlala uphumelela, ngaphandle kokuba kwenzeke imimangaliso, okanye ngokulula inkampani edwelisiweyo iyonakala. Njengakwelinye icala, kwenzeke ngaphezulu kwexabiso elinye lemarike yaseSpain, kunye nezo uya kuthi uzikhumbule ngeli xesha. ILa Seda de Barcelona, Terra, TPI okanye iPacking Pack yeminye yemizekelo yendlela onokuphulukana ngayo nayo yonke imali kwizabelo.
Kodwa ukuba ukhetha amaxabiso aqhelekileyo, ngokuqinisekileyo uya kufumana imali. Nangona oku kuya kufuneka ukuba imisebenzi yakho ingasebenzi ixesha elide, mhlawumbi ngokugqithileyo kwiminqweno yakho. Hayi ngelize, le mihla ibekiweyo kufuna ixesha lokuhlala phakathi kweminyaka emi-3 ukuya kweli-10, ephezulu nangakumbi kubatyali mali abazikhuselayo. Ngaba uzimisele ukwamkela le mihla? Lo iya kuba ngowona mbuzo uphambili kuya kufuneka uhlalutye ukusukela ngoku.
Kukude kangakanani ukukhawulezisa inzuzo?
Eyona meko inqwenelekayo yemarike yemasheya yabo bonke abathengisi, nayo eyakho indawo, kukuba kwimeko yenzuzo. Sesinye sezizathu zokutyala imali oyigcinileyo. Kodwa le nkqubo iba nzima kakhulu xa ungacacanga ukuba ithini amanqanaba kufuneka uthengise izabelo zakho. Ngale ndlela, intetho endala kwimarike yemasheya ebhekisa "kwipesenti yokugqibela ye-euro ithatha enye" iluncedo kakhulu. Akumangalisi ukuba unokuxhamla kwisicelo sayo kwii-odolo ozivule kwiimarike ze-equity.
Phantsi kwazo naziphi na iimeko akufuneki ukhokelwe kukubawa, kuba nasekupheleni ungaphulukana nayo yonke into, njengoko kwenzekile komnye umtyali mali omncinci, onamava amancinci kwiimarike zesitokhwe. Ukusuka kule meko kuhlala kungcono ukwenza intengiso kunye neenzuzo, nokuba zincinci, ukuba itheko liyadlula kwaye imarike yestokhwe iyehla, nokuba iphawulwe ngendlela ephawuleka kakhulu. Le yinto egcina iiyure ezininzi zokubhabha kwiimarike zemali ezazi kakuhle.
Musa ukuya kumahemuhemu kwimarike yemasheya
Esinye isihloko sempikiswano enkulu kukuba babhekisa kumahemuhemu kwimarike yemasheya njengecebo lokutyala imali. Ngamanye amaxesha ziyinyani, kodwa kwiimeko ezininzi aziqinisekiswanga. Ngumngcipheko omkhulu kakhulu onokukukhathaza ngaphezu kokuba ucinga. Kwaye kukusa kwiimeko ezinganconyelwanga kakhulu kwimidla yakho.
Kule meko, kukho elinye ibinzana elinomdla othile phakathi kwabatyali mali abanamava abathi "Ithengwa ngamarhe kwaye ithengiswa ngeendaba". Eli binzana ligcwele inyani enkulu, nangona kunzima kakhulu ukuyisebenzisa. Kwizihlandlo ezimbalwa ibonakalisa impumelelo enkulu. Ngokwesiqhelo uhlala ufika emva kwexesha, kwaye ukuthenga izabelo ngokuqinisekileyo akuyi kuba yinzuzo.
Okungaphantsi kokungena kwiimarike xa iindaba ziqinisekisiwe ngokuqinisekileyo. Akumangalisi ukuba uyayenza, inokuba yenye yezona zinto zimbi uzenzileyo ebomini bakho njengomtyali mali omncinci okanye ophakathi. Ayifanelanga ukuba sisicwangciso-qhinga esifanelekileyo sokwenza ipotifoliyo yotyalo-mali, nokuba yeyiphi na iprofayile oyivezayo njengesigcini. Kukho eminye imithombo yolwazi ethembeke ngakumbi, Ungalibali, kwaye uya kuba nakho ukuzinika ngaphezulu kovuyo olunye kwezi zihlandlo.
Thenga izitokhwe ezingabizi kakhulu
Kukho enye inkolelo ngokubanzi malunga nezibonelelo zexabiso Bacaphula amaxabiso angenangqondo, ngokubanzi ingezantsi kweyunithi ye-euro. Kulindeleke ukuba bavuke kwiinyanga ezimbalwa, kwaneeveki. Enye enye impazamo enkulu ekungafanelekanga ukuba uyenze phantsi kwayo nayiphi na imeko, kodwa ufuna ukwenza imprudence ozisole ngayo kwakamsinya.
La maxabiso anamaxabiso asezantsi kakhulu ngenxa yezizathu ezininzi, kwaye enye yazo kuba kunjalo ixabiso layo lokwenene. Hayi kwezinye izizathu ezingaqondakaliyo. Ukongeza, zihlala ziinkampani ezineengxaki ezinkulu kwiiakhawunti zabo zeshishini, kwaye kwinqanaba eliphezulu kakhulu lamatyala. Kwezinye iimeko, ayinakucingelwa ngokupheleleyo, kwaye oko kunokukhokelela ekunqunyanyisweni kwabo kwiimarike ze-equity. Ezi zizinto eziyinyani ezibhalwe kuzo kula maxabiso.
Kodwa oko akuthethi ukuba azibizi, kude nayo. Ukuba kuyo nayiphi na imeko iklasi eyingozi kakhulu yezokhuseleko kwaye ekukho nzima kuyo ukusebenza kwiimarike. Nokuba kukusebenza kwexesha elifutshane. Akufanele uwele kwisilingo sokuvula isikhundla kule klasi yeenkampani isinyibilikisi esincinci kangako ukuba ufanele ukuthenjwa.
Kukho iinyanga ezongezelelekileyo kunezinye
Kule meko kuyinyani ethelekiswa yimbali yeemarike zentengiso, nangona ngaphandle kokuchonga ngokucacileyo ukuba ziziphi iinyanga. Akumangalisi ukuba, kwiminyaka ethile enye kunye nezinye iindlela zokuzilolonga ezinye iinyanga ezahlukeneyo. Ziyahluka ngokuxhomekeka kubunyani beemarike zezabelo. Yinto elula leyo, ngaphandle kokujonga ezinye iinkcazo eziyimfihlakalo.
Ngokwesiko iinyanga zesemester yokugqibela yonyaka ziyaqhubeka ngakumbi ngaphezu kweyokuqala. Ukuba uya kumaxabiso embali uya kuba nakho ukuqinisekisa ukuba oku kuyinyani. Njengomphumo wale meko, iindlela zakho zotyalo-mali zinokuhamba ngokuvula izikhundla kwimarike yemasheya kwiinyanga zokugqibela zonyaka. Ngale ndlela, thatha ithuba lokunyuka okuphezulu kweemarike zezemali.
Isicwangciso esinokuphuhliswa kule meko siza kuba Thatha ithuba kwezona nyanga ziphakamileyo ukuvula izikhundla kwizabelo. Ngemisebenzi eyahlukeneyo kwakuloo nyaka. Kwimeko nayiphi na into, kukho enye intetho enokuthi ibe yinzuzo ngokunyanisekileyo kwiminqweno yakho njengomgcini osindisayo. Inezikhundla zokushiya kwindawo ekufuphi nekota yesibini yonyaka. Ukuqhubeka kwakhona kwizikhundla ngokufika kweenyanga zokugqibela zonyaka.
Musa ukutyala imali eninzi kunokuba iyimfuneko
Ngokubhekisele kwiimali ekufuneka zinikezelwe kutyalo-mali, akukho mthetho umiselweyo, kodwa Kuya kuxhomekeka kwiprofayili oyivezayo njengomtyali mali. Kwaye inqanaba leakhawunti yakho yobuqu. Kodwa kuyo nayiphi na imeko, ayizukuthetha ukuba uthatha isixa esigqithisileyo esinokubakho kuhlahlo-lwabiwo mali lwekhaya lakho, kwaye nakwezinye iindleko ezingabonwanga ngaphambili kwiakhawunti oyigcinayo ekhaya.
Yanele lonto nikela phakathi kwama-30% nama-60% olondolozo lwakho ukuvula izikhundla kwimisebenzi yezemali. Kuya kufuneka woyise kuphela kwiimeko ezithile, kwaye okoko uhlala ukhuselwe ngumvuzo oqhelekileyo kunye omkhulu. Ngelixa uwenza ngokusesikweni umsebenzi ocingelwayo okanye onobungozi, ayizukubakho enye indlela ngaphandle kokunciphisa igalelo lemali lolu hlobo lomsebenzi.
Enye yezona mpazamo zinkulu onokuzenza kukutyala imali kwi-akhawunti yakho yonke. Ngokuqinisekileyo uya kuyihlawula ngaphezulu kwengxaki enye kwimeko yakho yobuqu. Kwaye oko kunokuchaphazela nokuba kufuneka yenza intengiso ethileiales phantsi kweemeko ezingathandekiyo kangako kwimidla yakho. Ewe kunjalo ngaphandle kokunyanzelwa ukuba ufune indlela yezemali egubungela ukungabikho kwemali kwiakhawunti yangoku.
Ukuba udibana nazo zonke, okanye ubuncinci kuzo, uya kuba nendlela ende oza kuhamba ngayo, ubuncinci ukugcina izikhundla zakho kwizabelo. Kuya kukunceda ukuba ungahambi kakubi kutyalo-mali olwenziwe, okanye ukuba bakuthambekele ekwenzeni ukuthengisa okungalunganga, kungabikho ngokupheleleyo okanye ngokungaphelelanga. Ngokuqinisekileyo uya kuba ulunge ngakumbi ukususela ngoku.