Ngenxa yeendleko zayo, enye yeendlela ezithandwayo zokufumana isithuthi kukuyihlawulela ngemali; Le nkqubo inezinto ezininzi eziluncedo kunye nezinto ezingalunganga ekufuneka sizicazulule ngaphambi kokuthatha isigqibo sokuba sithini uhlobo lwezemali kunye neminye imiba esixoxa ngayo kamva.
Ukongeza, kubalulekile ukukhankanya ukuba kule minyaka idlulileyo bazisiwe Iinkqubo ezahlukeneyo zokukhuthaza ukuthengwa kwezithuthi, okanye mandikhuphe iimarike iimoto ezindala, zitshintshwe ziimodeli zamva nje nezisebenzayo. Umzekelo wolu hlobo lwesicwangciso ngu I-PIVE (isicwangciso senkuthazo kwizithuthi ezifanelekileyo), Isicwangciso esikhoyo ngoncedo lwama-euro angama-2 12 ukuze ukwazi ukuthenga imoto entsha etshintsha enye engaphezu kweminyaka eli-XNUMX ubudala.
Ngenxa yazo zonke iimeko zoqoqosho nezopolitiko, kufuneka senze uhlalutyo olunzulu ukumisela ukusebenza kwemali ngemali, kwaye sikwazi ukuyenza ngendlela ebhetele, kwaye ngakumbi ngakumbi, sibhale eli nqaku ngothotho lweengcebiso esinokuthi siyilandele ukuze xa sixhasa imoto yethu senze izigqibo ezifanelekileyo kwaye ngamava amnandi, ukuthintela umngcipheko weengxaki ezizayo.
Kufuneka sinyanisile
Xa umamele izindululo ezahlukeneyo zabathengisi, kuyinto eqhelekileyo kuthi ukuba nemincili ngenye yeemoto zanamhlanje nezixhotyiswe kakuhle okanye iilori; nangona kunjalo, ukuzonwabisa kwiimvakalelo kunqabile kunomvuzo. Ke ngoko kuyacetyiswa ukuba sinyaniseke kwinto yokuba yethu Uhlahlo lwabiwo-mali lilinganiselwe.
Ukuthintela inkohliso xa usiya kubona iimoto, kuyacetyiswa ukuba silungiselele uhlahlo-lwabiwo mali ngaphambili apho imida yethu ikhankanyiwe ukuhlawula ezantsi kunye nokuhlawulwa kwenyanga kunye nexesha elimiselweyo lokuhlangabezana. Ngale ndlela kuya kuba lula kakhulu ukuthatha isigqibo esifanelekileyo malunga nemoto efanelekileyo kwiimfuno zethu kunye nohlahlo-lwabiwo mali.
Isipho sokwenza uhlahlo-lwabiwo mali kukuthatha inkcitho yenyanga, kubandakanya ukubala ukuba inxenye yengeniso yethu iya kwindawo yokugcina ukuze sihlalutye kamva ukuba ingakanani imali eseleyo esizimisele ukuyisebenzisa ukuze sikwazi ukucima imoto entsha . Ukuba siyalisebenzisa eli cebiso, ngokungathandabuzekiyo siyakuphepha ukuphoxeka kunye neengxaki ezininzi.
Hlaziya iindlela ezahlukeneyo zokhetho
Kwimarike sinokufumana iindlela ezininzi zokuxhasa ngemali imoto yethu entsha, xa sithetha ngokubanzi singakhankanya amaziko amabini kuphela anayo ukhetho lokuxhasa ngemali isithuthi.
Inketho yokuqala esiza kuyikhankanya ngumthengisi ngokwakhe. Ngokubanzi, ezi zezinye zeendlela ezithatha ixesha elininzi, kuba ukuze ikhredithi igunyaziswe kunyanzelekile ukuba umthengisi aphande iprofayile yomthengi, nangona kunjalo, kuyinyani ukuba le nkqubo inokuququzelelwa kuba akukho Kuya kufuneka ukuba uye kula maziko mabini ukuze wenze uxwebhu, kodwa ngokuya kumnikezeli weenkonzo unakho ukufumana isigunyaziso. Enye ye Izibonelelo zolu hlobo lwemali kukuba kukho uguquko oluya kwenza ukuba uthethathethwano lwamaphepha lube lula.
Kwelinye icala, sifumana iibhanki, ezingamaziko emali ngokugqwesa. Ukwenza inkqubo kulula kakhulu, ngakumbi ukuba sineakhawunti yebhanki kwelo ziko. Ukuba kunjalo, kufuneka siphande ngeendlela ezahlukeneyo esiya kuthi sifumaneke ngazo ebhankini.
Zilungiselele ukubonelela ngezemali
Nje ukuba sazi ukuba loluphi ukhetho lwezemali olukhoyo, kubalulekile ukuba sikulungele ukubonisana ngezi meko kwaye sikwazi nokuhlalutya kwaye senze isigqibo esifanelekileyo sezemali. Ngokukodwa, sibhekisa kulungiselelo lokwazi amaxabiso enzala akhoyo kwezemali.
Ngokubanzi, singakhankanya i-3, eyokuqala yi-multicopy. bucala ngasekhohlo Uhlobo lwekhredithi olunikezelwa ngabenzi bemoto, Kwaye kunokuqwalaselwa njengohlobo lokurentwa kwezithuthi, kuba kuya kwenziwa intlawulo ngenyanga; Emva kwexesha ekuvunyelwene ngalo ngumenzi kunye nomsebenzisi, kunokwenzeka ukuba uyicime imoto ngokuhlawula ixabiso eliza kuchazwa ngokwexabiso lesithuthi kunye nobungakanani bezavenge. Nangona kunjalo, ikwakhona inketho yokuba umenzi atshintshe isithuthi asenze esitsha, ukuba imeko ekuvunyelwene ngayo izixa zenyanga zihlawulwa.
Ezinye iintlobo zenzala okanye mboleko ezikhoyo zezi inzala emiselweyoOku kuthetha ukuba umthengi uyakuhlala ehlawula imali elinganayo. Inzala eyahlukileyo, kweli nqanaba lenzala intlawulo yenyanga inokwahluka kakhulu, ukuze siphumelele okanye siphulukane. Kwaye ekugqibeleni siyakukhankanya umdla oguqukayo, onophawu lokusebenzisa indlela evumela i umthengisi unike isavenge sokuqala, kunye nokunciphisa ukulingana kwentlawulo yenyanga, oku kuphela kunyaka wokuqala.
Funda ngendlela yokusebenzisa itshathi yokuhlawula amatyala
Ukuze wenze izigqibo ezingcono, kwaye ube nembono echanekileyo kuyo yonke imali, kubalulekile ukusebenzisa iimodeli zokuxhasa ngezimali, ezinokuthi zibe zezemali, okanye simulator yemboleko. Kwezi simulators siza kunikwa phantse kanye isixa semali esiza kusibhatala inyanga nenyanga ukuze sihlawule amatyala ethu.
Ngokwesiqhelo ezi simulators zisinika ithuba lokuba sikwazi ukubukela ukuhla kwexabiso okoko nje kuvunyelwene ngezemali. Oku kuyakusinceda ukuba sikwazi ukusinika umbono wemali ehlawulwa kwikapitali, kunye nezixa ezihlawulwa kwimali-nzala, ngokusekwe kolu lwazi sinokuthi sicwangcise ukuba sikwazi ukuhlawula kwikapitali ukuze ukunciphisa inzala kwaye ukwazi ukuhlawula ityala ngokukhawuleza.
Oku kusizisa kwenye ingcebiso; kwaye oko oko sidibene Ndinetyala lezemali Mibini imali esiya kuyibhatala, kwelinye icala, kukho imali ekuthiwa yinkunzi, eyimali leyo iziko lisixhase, oko kukuthi, ukuba i-10 yeerandi ixhaswe okanye imali eyintloko. Kwelinye icala, sinomdla, oya kuthi uqhubeke nomzekelo wangaphambili, ukuba ibingu-10% ibingalingana newaka lama-euro. Nangona kunjalo, ngokuhlawula ngqo kwi-capital kuya kusivumela ukuba sinciphise inzala esiza kuyibhatala.
Kodwa ngaphambi kokuba sithathe eli nyathelo, kubalulekile ukuba saziswe kakuhle malunga nemigqaliselo yemali mboleko malunga nalo mbandela, kuba ngelixa amanye amaziko ebiza isohlwayo ngokunikela ngemali, kukho ezinye ekufuneka zicacisile ukuba intlawulo iya ngqo kwiNkunzi, kwimeko yokungayicacisi, ingabandakanywa kuphela njengenxalenye yentlawulo yenyanga elandelayo, engenakuguqula isixa senzala esiza kusihlawula.
Cinga ngezinye iindleko
Ukukhankanywa kwakusenziwa ngaphambili cwangcisa uhlahlo-lwabiwo mali ukuze wazi ukuba yimalini sinokwabela intlawulo kunye nokuhlawula amatyala ethu. Ngoku siza kubandakanya umahluko omtsha, kwaye loo nto kukuba imoto ifuna ukugcinwa, ukucocwa, ukufaka amafutha, phakathi kwezinye iindleko. Ke xa usenza uhlahlo-lwabiwo mali kuyacetyiswa ukuba ezi ndleko zithathelwe ingqalelo, ukuze xa ixesha lifika sikwazi ukuzifikelela, kananjalo nokugcina imoto ikwimeko efanelekileyo.
Zilungiselele ukwenza uxwebhu
Ukuza kuthi ga ngoku sele sicebisa ukuba siphande iintlobo zamaziko kunye nohlobo lwemali okanye umdla esinokufikelela kuwo; Kwaye nje ukuba isigqibo sithathiwe malunga nokuba loluphi olona khetho lulungileyo kunikwe iimeko zethu, kubalulekile ukuba ngoku sinalo lonke ulwazi malunga neemfuno ukuze sikwazi ukufikelela kule okanye loo mali.
Ukuba noluhlu olunamaxwebhu ekufuneka sinayo, kunye namanyathelo ekufuneka siwalandele kuyo yonke le nkqubo, kubaluleke kakhulu ukuba sikwazi ukuqinisekisa ukuba, ngexesha lenkqubo, iinkqubo aziyeki ngenxa yokunqongophala koxwebhu okanye Umcimbi. Ke ngaphambi kokuba siqale ngokusesikweni inkqubo, kufuneka siphande olu luhlu ukuze sikulungele yenze kakuhle le nkqubo.
Funda sonke isivumelwano semali
Nangona kunjalo, ukuza kuthi ga ngoku, sinokuba besele siphande isixa esikhulu solwazi, kubalulekile ukuba, xa sisenza okusesikweni ngokusesikweni, umxholo weekhontrakthi okanye amaxwebhu asayiniweyo afundwe ngononophelo olukhulu. Kwaye ukuba kukho nakuphi na ukuthandabuza, kuyacetyiswa ukuba ubuze umntu ophetheyo kwinkqubo; Ngale ndlela sinokuqinisekisa ukuba siyayiqonda ngokupheleleyo imigaqo esiyihambisa kuyo. Ukongeza koku, siya kuba nembonakalo ethe ngqo ngakumbi eneenkcukacha malunga noko kufuneka sithobele.
Phambi kokuba sigqibe, siza kunika isiqwenga seengcebiso ebekuxoxwa ngazo kancinci ngexesha lokuqala le nqaku, kwaye yile yokuba, nangona kukho uthotho lwenkxaso yezoqoqosho kurhulumente, kubalulekile ukuba siphande ukuba ngawaphi amathuba akhona , kwaye ukuba imeko yethu yile ichaziweyo, siya kuba nakho ukufikelela kwinkxaso karhulumente eya kuthi isincede sifumane imoto entsha.