Xa ugcina, imvakalelo yokuqala ehamba ngentloko yakho kukuba uxolo lwengqondo, ukwazi ukuba, ukuba kukho into eyenzekayo, unomkhusane wokukwazi ukujongana neendleko ezingalindelekanga. Kodwa xa olo londolozo lubalulekile, ukuyigcina ebhankini isenokungabi yeyona ndlela ilungileyo. Ngaba uyafuna ukwazi ukuba uyityala njani imali yokonga?
Okulandelayo siza nika ezinye izitshixo ezinokuthi zibe luncedo kutyalo-mali ukonga. Mhlawumbi hayi bonke, kodwa ubuncinane inxalenye yabo ukuze bakunike izibonelelo ngaphezu kokuba waxinga kwi-akhawunti yebhanki. Ziphose kuyo?
Imibono yogcino-mali
Okokuqala, kufuneka wazi ukuba akulunganga ukutyala lonke ugcino onalo. Ngamanye amazwi, ukuba ukwazile ukugcina i-euro ezingama-20000, akucebisi ukuba uzichithe zonke kutyalo-mali kuba awuyazi into onokuyidinga nangaliphi na ixesha kwaye kukho iindlela zokuziqhelanisa apho awukwazi ukubuyisela imali ngokulula.
Kungenxa yoko, iingcali zincoma ukuba, xa utyalo-mali, nokuba yintoni na, musa ukuyenza nge-100% yokonga kodwa ngenxalenye enokuba phakathi kwe-40 kunye ne-60-70%. Intsalela kufuneka ihlale ilungisiwe njengomqamelo kuba, ukuba ugcino luyaqhubeka lukhula, uya kuba nakho ukwaba imali eyongezelelweyo kolu tyalo-mali.
Ngamanye amazwi, kungcono ukuqala kancinci kunokuba ngequbuliso emva koko uyifune.
Sesikuthethile konke oku, ezona mbono zingcono size nazo kutyalo-mali ulondolozo zezi:
Thenga indlu
Kwaye ngubani othi indlu ithi indawo, iofisi, njl. Kutheni le nto? Asikuxeleli ukuba uza kuba nekhaya lesibini, okanye uziphangelele kwaye uqalise ishishini. Kodwa yilungiselele ukuyirenta.
Ngale ndlela, Uya kufumana imali yotyalo-mali ngokurentisa. Sikunika umzekelo. Khawufane ucinge ukuba uthenga indlu nge-100000 yee-euro. Kungenzeka ukuba awunayo loo mali igcinwe, ngoko uyayifaka, kwaye inyanga nenyanga kufuneka uhlawule i-mortgage ye-300 euro. Kodwa urenta indlu kumntu okuhlawula i-euro ezingama-800 ngenyanga. Ngaloo mali uhlawula i-mortgage kwaye une-500 ye-euro engaphezulu ecocekileyo, ekwenza ukuba uhlawule iindleko zokuthenga indlu.
Yinto eyenziwa ngabaninzi kwaye enokuba yindlela yokufumana imali ngokungenzi nto, kuba urenta nje into eyeyakho. Ngokuqinisekileyo, kufuneka ulumke ukuba urenta kubani ukuze uphephe umonakalo, ubusela kunye nabanye.
iiakhawunti ezivelisa inzala
Phantse kuzo zonke iibhanki kukho uhlobo lwe-akhawunti ekuthiwa ihlawulwe apho, ngokushiya imali kuloo akhawunti (ukwazi ukutsala okanye ukufaka ngaphandle kwengxaki) inzuzo yenziwa ngaphandle kwesidingo sokuthatha umngcipheko.
Kuyinyani ukuba le nzuzo isezantsi kakhulu kunezinye iinketho zebhanki, kodwa ikwakhuselekile kwaye ingcono kakhulu, unokuba nayo inkunzi yakho nanini na uyifuna ngaphandle kwezohlwayo.
IBhanki ibeka imali
Enye inketho enxulumene neebhanki idiphozithi yebhanki. Oku kwaziwa kakhulu kwaye kubhekiswa kuyo yabela imali kwi-akhawunti engenakuchukunyiswa de kudlule ixesha. Ukutshintshiselana, xa loo mhla ufika, unokufumana imali kunye nenzala eyenziwe ngelo xesha, nangona kukho ukhetho lokuhlawula loo nzala (nangona eyona nto ifanelekileyo inokuba yeyokuba loo nzala ityalwe ngokulandelelana. ukufumana ngaphezulu kokugqibela).
Ngoku, zombini le ndlela yotyalo-mali kunye neyangaphambili zidityaniswe nenzala kwaye ukuba ezi ziphantsi kakhulu akufanelekanga ukwaba ukugcinwa kwezi ngcamango zimbini.
Izicwangciso zepenshini
Apha kuxhomekeke kwiimeko ukuba ibhanki yakho ikunika. Ukuba nje igcina imali yomhlalaphantsi wakho, ngaphandle kokuba ishukume kwaye ime ngxi, ayisayi kulungela oko kuba ngokuba nayo ebhankini sele uyigcinele loo njongo (ngaphandle kokuba awazi ukuba wonge njani. kwaye uchitha yonke, kodwa ukuba uze ukufumana ezo zogcino siyathandabuza).
Kodwa Kusenokwenzeka ukuba ezo zicwangciso zomhlalaphantsi zinenzuzo, oko kukuthi, emva kweminyaka zikubuyisela loo mali nenzala. Kuxhomekeka ekubeni yimalini, unokuyibona njengotyalo-mali lwexesha elide nolunomtsalane, ngakumbi ukuba uziqeshile okanye awucingi ukuba ungafikelela kowona mncinane ukuba ufumane imali yomhlalaphantsi.
mali kushishino
Oko kukuthi, ube yiNgelosi yoShishino. La ngamanani apho babeka inxalenye yemali kunye nolwazi kwiinkampani ngokutshintshisa inxalenye yengeniso yabo.
Njengoko elo nani linokuba lixabiso elininzi kakhulu, ungakhetha ukufumana i-crowdfunding, enexabiso eliphantsi.
yenza ishishini
Ukuba ulungile kwinto ethile, kwaye ucinga ukuba inokuba nekamva, kutheni ungayenzeli ishishini losapho? Olu londolozo-mali onalo lunokusetyenziselwa ukuqalisa ishishini, nokuba lokwenyama okanye likwi-intanethi, kwaye uliqhubele phambili ngokulula kunokuba uqale ungenanto.
Kakade ke, kufuneka ube nentloko kuba, nangona kunyaka wokuqala usenokungafumani nzuzo, kowesibini kufuneka, ubuncinane uhlawule utyalo-mali olenzileyo.
Iimali zotyalo-mali
Yenye yeendlela zotyalo-mali olugciniweyo, eyaziwayo nesetyenziswayo. Njengenzuzo kufuneka abakhululwa kwiirhafu, kodwa ngenxa yoku kufuneka uphinde uyityale okanye uyidlulisele kwenye ingxowa-mali, oko kukuthi, izibonelelo ozifumanayo awukwazi ukuzonwabela. Kuphela kuxa ubhangisa izabelo apho kuya kufuneka uhlawule irhafu kuzo.
Imarike ye-Forex
Enye inketho yile nangona Siyincoma kuphela ukuba unoqeqesho olwaneleyo kunye namava okusebenza ngenxa yokuba inokuguquka okuphezulu. Oko kukuthi, ungaphumelela kakhulu, okanye uphulukane nalo lonke ugcino lwakho.
Tyala imali oyongileyo kubugcisa
Abantu abaninzi bangabaqokeleli kwaye oko bakuthengayo kunexabiso elinokuthi, kwixesha elizayo, linokunyuka. Ngamanye amazwi, ukuba uchitha i-euro eyi-1000, kunokwenzeka ukuba kwiminyaka engama-20-30 loo nto ingaxabisa i-euro ezingama-4000 okanye ngaphezulu (okanye ingaphantsi kakhulu kunoko uyihlawuleyo).
Kodwa luhlobo lotyalo-mali olubambekayo kwaye unokuyonwabela ixeshana ngaphambi kokuba uyithengise. Ewe ngokunjalo, Kuya kufuneka uqiniseke ukuba ikwimeko engcono kakhulu yokufumana imali eninzi ngayo.
Inyaniso kukuba zininzi iindlela zokutyala imali oyigcinileyo, yonke into iya kuxhomekeka kwinto ofuna ukuyenza kunye nabo kwaye ukuba ikuhlawula ngakumbi ukuba ube nayo "njenge-disguised savings" okanye isetyenziselwa ukwenza inzuzo ngexesha elifutshane, eliphakathi kunye. ixesha elide.