Imisebenzi egqiba impumelelo okanye ukungaphumeleli kotyalo-mali kwimarike yemasheya yenzeka ngokuthengisa. Apho kuyakufuneka ngokupheleleyo ukwenza uhlengahlengiso oluchanekileyo ekuphumeni kweemarike zezabelo. Kungenxa yokuba inokuvelisa ukuba iinzuzo ezinkulu onazo ziphezulu okanye zisezantsi ngalo mzuzu ubalulekileyo kutyalo-mali. Ngesi sizathu kufuneka ibe Isigqibo esicingisisiweyo ngabatyali mali abancinci nabaphakathi. Nokuba uyihlehlise ukuba amaxabiso ebengengawo lawo ubufunwa okanye kukho imeko ebalulekileyo kulungelelwaniso lwamaxabiso.
Ukuthengisa kwintengiso yesitokhwe sisigaba sokugqibela senkqubo yotyalo-mali kwaye ke ngekhe uyithathe kancinci le ntshukumo. Okanye ngokuchaseneyo, ngenxa yokuba ukusebenza komsebenzi ngamnye, nangona ezinye iimpazamo zinokwenziwa kwisicwangciso. Kwelinye icala, enye into ekufuneka ithathelwe ingqalelo lixesha apho utyalo-mali lujolise khona. Oko kukuthi, ukuba amaxesha okusisigxina amafutshane, aphakathi okanye made. Kanye nokuvavanya ixabiso apho kuthengiwe khona. Ngenjongo ephambili yokwandisa ukusebenza kwiparameter esinika ukuthembeka okukhulu xa siphuhlisa iodolo yokuthengisa.
Ngelixa kwelinye icala, xa usenza intengiso kwimisebenzi yokuthengisa akufuneki ukuba iphuculwe phantsi kwayo nayiphi na into yengqondo. Oko kukuthi, akufuneki sithwalwe ziimvakalelo kuba le yinto engahambelaniyo nelizwe elinzima lemali. Njengoko kwenzekile ngamaxesha athile kwimisebenzi yamanye amashumi eminyaka kwaye nawe ngokwakho ube nakho ukuqala kule minyaka idlulileyo. Kungenxa yokuba ekupheleni kosuku intengiso elungileyo inokuba sesiphelo impumelelo kwimisebenzi yakho kwiimarike zezabelo. Akumangalisi ukuba kukho imali eninzi esengozini kolu hlobo lokuthengisa ngesitokhwe. Kwaye esiya kuthi sinikezele ngayo kuthotho lweengcebiso zokwandisa ezi zigunyaziso kwiimarike zezemali.
Ukuthengisa kumanqanaba okuthenga okungaphezulu
Amanqanaba entengo egqithisileyo sisizathu esifanelekileyo sokuhlengahlengisa izikhundla kwiimarike zokulingana, kuzwelonke nakwamanye amazwe. Kuba bakumanqanaba apho iifayile ze- uxinzelelo lokuthengisa luqala ukuvela ngamandla amakhulu okanye ngaphantsi. Ngelixa kwelinye icala, kubaluleke kakhulu ukugxininisa into yokuba xa kukho ilahleko eyenzekayo kukusilela kwisicwangciso somtyali, kodwa kukho iimeko ezinokuthi zithintelwe, okanye ubuncinci zincitshiswe, kodwa oku kuyimfuneko ukuthatha uthotho lwamanyathelo okhuseleko ahluka ngokuxhomekeka kwiprofayili nganye nganye.
Ukuthintela imisebenzi engathandekiyo, kuyacetyiswa ukuba umtyali mali azifumanise kwangaphambili iimfuno zabo zotyalo mali, kwaye ke babone ukuba ngaba iprofayili yabo inochuku okanye iyazikhusela, kwaye okona kubaluleke kakhulu, yimfuno yokuhlawula amatyala. ikamva. Kuzo zonke iimeko, ukhuseleko olunexabiso elisezantsi kufuneka lithengiswe, nangona into enzima ukuyifumana, nangona uhlalutyo lobuchwephesha lubonelela ngokubanzi "imikhondo" malunga notshintsho lwendlela.
Thatha ithuba lezithuba
Eyona inokuthenjwa ngakumbi lolunye uthotho lweempawu ezibonisa ithuba elifanelekileyo lokuthenga okanye lokuthengisa kwimarike yemasheya. Olunye lwale miqondiso zizikhewu, ezithi, ngokubanzi, zichazwe njengendawo okanye uluhlu lwamaxabiso ekungakhange kwenziwe msebenzi. Umzekelo, kwi-uptrend singathetha ngesikhewu kwi itshathi yemihla ngemihla xa ubuncinci besithunzi esisezantsi sosuku olunye babungaphezulu kwesithunzi sosuku lwangaphambili. Kwihlazo eliphantsi kwesithunzi somhla omnye kuya kuba sezantsi kunesezantsi somhla wosuku olungaphambili. Kulo mgca, ukuze kubekho isithuba esinyukayo sokukhula kwitshathi yeveki okanye yenyanga, kuya kufuneka ukuba elona nqanaba liphantsi lirekhodiweyo phakathi evekini okanye ngenyanga libe ngaphezulu kunelona liphezulu lifikelelweyo kwiveki edlulileyo okanye kwinyanga ngokulandelelana.
Kodwa kufanele kuqatshelwe ukuba zikhona ezinye iintlobo zezikhewu ezibonakala phakathi kokuvalwa kunye nokuvulwa kwemihla ngemihla, kuba zininzi zazo ziveliswa kwangolo suku lunye kwaye zingabonakali kuninzi lwabatyali mali. Ezi zikhewu zinokubaluleka kwezobuchwephesha kwaye zihlala zibonelela ngolwazi ngakumbi kunezinye izithuba. Kuzo zombini iimeko, ezi zikhewu zinokusetyenziselwa yenze intengiso kwintengiso yemasheya ngeyona ndlela ibalaseleyo kwaye uthathela ingqalelo into onokuyenza kwiiseshoni ezilandelayo zorhwebo. Ekupheleni kosuku, enye yeenjongo ezinqwenelekayo zenxalenye elungileyo yabatyali mali abancinci nabaphakathi.
Ziqwalasele iishedyuli
Elinye icebo lotyalo-mali libandakanya Hlalutya ishedyuli kwintengiso nganye yezemali apho imisebenzi yenziwa khona ukwenza ulondolozo lube nenzuzo. Ngale ndlela, kufanele ukuba kuqatshelwe ukuba iiyure zentengiso kunye nomhla obekiweyo wokufumana iiodolo zeseshoni enye zixhomekeke kubukho beseshoni ngaloo mini kwintengiso ekubhekiswa kuyo. Ngaphandle koko, ii-odolo ziya kuqhutyelwa phambili kwiseshoni elandelayo. Kodwa inzuzo enkulu yokusebenza kwezi marike zaseYurophu-ngokungafaniyo ne-American kunye ne-Asia- kukuba baneeyure ezifanayo zokuvula kunye nokuvala njengeSpanish.
Kuphela ngamaPhuthukezi ane-lag yeyure enye malunga neyethu. Ukongeza, bobabini banonxibelelwano oluzenzekelayo kwaye banekhalenda yokurhweba ngokufana naleyo isetyenziswa kutshintshiselwano lwesitokhwe saseSpain, esingathethi kuthi kutshintsho kwimikhwa yokuqhuba kunye nokuthengisa izabelo. Ukuba yenye yeeparameter zokuqhuba ngempumelelo kwintengiso kuyo nayiphi na imakethi yezemali.
Fumana izitokhwe ezikumgangatho ophezulu
Okokuqala, oko kubizwa ngokuba ziichips eziluhlaza zibhetele kakhulu kunee-ertyisi ezidumileyo. Ukuya kuthi ga apho amava asixelela ukuba kunzima ngakumbi ukubhengezwa njengongeniso, ekuye kwaba lingcwaba labatyali mali abancinci ngexesha elithile ebomini babo njengomtyali mali. Kwelinye icala, kuhlala kuluncedo kakhulu ukufumana iqela labaphathi abanobuchule abakwaziyo ukuphatha imali yethu kutyalo-mali kwimarike yemasheya. Kwimeko apho ungenamava aneleyo, kuyafuneka ukuba ubeke imali yakho ezandleni zeqela elilawulayo elilungileyo elinokuthi ligcine ulondolozo lwethu ngendlela eyonelisayo nangolwazi olunzulu lweemarike zezemali.
Elinye icebo elinokusinceda ukuba sifezekise ezona njongo zingxamisekileyo kukuba singaze sichasane nendlela yentengiso. Ngokukodwa ngamaxesha okudodobala kwezoqoqosho njengoko kunokuba yinto elula ukubheja ukuphulukana nenxalenye yeeasethi zethu ngendlela engekho ngqiqweni ngokubheja okungaze kuphuhliswe. Kwelinye icala, kukwacetyiswa kakhulu ukuba utyalomali lujolise kwixesha elide: yeyona ndlela ingcono yokuba ungasokoli kakhulu ngexesha elibi lemarike yemasheya, kuba ukwehla kwexabiso kwixabiso kunokuphinda kufumaneke, nkqu ukuba baya kumhlaba wengeniso eyinkunzi ngaphezulu kwexesha elide, ekwanayo nethuba lokuba lukhetho olunenzuzo ngakumbi ukusuka kwindawo yokujonga irhafu.
Ukurhoxa ngexesha loloyiso
Ungathandabuzi nakweyiphi na imeko ukuba amaxesha amaninzi iimarike zezabelo zinika izilumkiso ezincinci ukuba kungenzeka ntoni kwiiseshoni ezilandelayo - kule meko ngokulungiswa okungathethekiyo - ekufuneka kutolikwe ngokuphuma okukhulu kwintengiso yemasheya, ukuba awufuni kuba nefuthe. iimpazamo zexesha elidlulileyo. Njengento yokutyala imali eyiyo kuphela kwaye ungasayi kuba nesinye sezitshixo ekusebenzeni kakubi kwimarike yesitokhwe kukuba ukonga kutyalwe ngokuqinisekileyo kuya kufuneka kwixesha elifutshane, kuvelise ingxaki yokuhlawula amatyala ngokuqinisekileyo eya kuthi ivelise ukuthengisa okungalunganga kwezenzo .
Elinye inqaku apho kuye kufuneke ukuba nefuthe ngoku lelo linento yokwenza nokusebenzisa ithuba elandayo kuqoqosho lwamanye amazwe. Ngokumalunga nalo mba, kunye nokuthintela iimpazamo nangakumbi ngamaxesha obunzima, yinto ephambili yokusebenzisa isicwangciso sokugcina amatyala kula maxesha e-bearish. Okokuqala kuba iyakusithintela ekufumaneni ilahleko kwiphothifoliyo yokhuseleko kangangeenyanga ezininzi, kwaye okwesibini, kuba ngale ndlela imali eyimfuneko iya kubakho ukuqala ukuthatha izikhundla kwimarike yemasheya xa iimeko zentengiso ziphucuka, ukufumana ukhuseleko ngamaxabiso liqinile kwaye Umtsalane onokubakho ngaphezulu.
Ke ngoko, ngenxa yokufika kwexesha lokwehla kwamandla emali kuqoqosho lwamazwe aphesheya, akwanelanga ukuba ungathengi, kodwa kuyafuneka ukuthengisa ezo sinazo kwiphothifoliyo yethu. Ukuba zinenzuzo eyinkunzi, kungcono kakhulu kwimidla yethu, kodwa ukuba akunjalo, zinokuthengiswa ngelahleko, ngakumbi ukuba aziphawulwanga kakhulu kwaye zinokubanjiswa ngumtyali mali omncinci.