Ukuba kufuneka ufunde into kwimarike yemasheya, kukuba kufuneka ukrokre xa usenza izigqibo malunga neminqweno yomntu wesithathu. Ukuba ibingenguye lo nyathelo lothintelo, ngokuqinisekileyo ngaphezulu komtyali mali omnye ngewonakalisiwe kutyalo-mali lwabo ekuqaleni konyaka. ingxaki yezoqoqosho, ekupheleni kuka-2007. Kungenxa yokuba babebaninzi abahlalutyi abachazayo ukuba lixesha elifanelekileyo lokuvula izikhundla kwizabelo. Nditsho nokubhekisa kwi xabiso izitokhwe ezininzi zazinexabiso eliphantsi.
Kungumngcipheko wokuba abatyali zimali abancinci nabaphakathi baqhube, mhlawumbi kwimeko yakho. Akumangalisi ke ngoko ukuba licebo elithile lendelelo kwiinkampani ezithile zokungenelela kwezemali ukuze zithengise izikhundla zazo. Oku kufanelekile kwi- izindululo ezivela kwabanye abathengisi Ngendlela yokuba imarike yemasheya okwangoku ikwindlela ephezulu yokuya kwi-10%. Isigqibo esinzima kakhulu sokuthatha kwimozulu yangoku yezabelo zamashishini ezingenanzala emisiweyo.
Zonke kunokuba ngenxa yesicwangciso sobuchule kwezi nkampani ukukhupha iphepha ngokuthe ngcembe kwaye iya kubatyali mali abancinci njengawe. Yinto eyenzeka rhoqo ngamanye amaxesha ukusukela izandla ezinomdla Kwiimalike zezimali zongamela abathengisi. Ukuza kuthi ga apha ngaba ngabo banokuphulukana kakhulu kwezi zikhetheke kakhulu, kodwa kwangaxeshanye iimeko eziyingozi ukukhusela izikhundla zakho kwizabelo. Njengoko kubonisiwe kwiminyaka yakutshanje.
Uhlalutyo oluqinisekileyo kwimarike yemasheya, ngoba?
Ewe kunjalo, kukho inkcazo esengqiqweni yezi meko. Isusela kwinto yokuba abatyali zimali ezinkulu banamathela kwizifundo ezithile ezisisiseko kwilizwe lemali. Kungenxa yokuba eneneni, ukuba kukho into efundwayo kwimarike yemasheya, zizandla ezomeleleyo ezo bathenga bathengise. Oku kusebenza kuxhaswa yinto yokuba kwenzeka okwahlukileyo. Oko kukuthi, ngelixa iimali ezinkulu zotyalo-mali zihlengahlengisa izikhundla zazo kweyona mimandla iphezulu yendlela, kubatyali mali abancinci nabaphakathi bavelisa intshukumo eyahlukileyo. Ngokungena kwezi zikhundla nokulungelelanisa uzinzo oluthile kumthetho wonikezelo kunye nebango.
Ukuziqhelanisa kubandakanya ilahleko enkulu kulokugqibela, okanye ubuncinci nge ixabiso eliphantsi kakhulu lokuxabisa kwinto ekufanele ukuba iyintoni. Akumangalisi ukuba kukho ukuphazamiseka okuthile ekungeneni nasekuphumeni kweentshukumo kwiimalike zezemali. Kungenxa yokuba enyanisweni, ukuba kukho into ecace gca kule meko kukuba ayizizo zonke iiarhente zokungenelela kwezemali ezihamba nenyaniso engaphambili. Awunakulibala ukuba kukho izinto onomdla kuzo ongazigcina. Ukuya kwinqanaba lokuba banomdla wokungena okanye wokuphuma kwixabiso elithile lomvuzo oguqukayo.
Ngale ndlela, awuzukukhetha kodwa ukuba ube phambili kakhulu ekucingeni kuzo zonke izenzo zakho. Kwaye ukuba kunokwenzeka, elona qhinga lakho lililo kukwahlula iingcebiso nabanye abalamli kwihlabathi lezemali kwaye, ngakumbi, notyalo-mali. Unokumangaliswa ngaphezulu komzuzu omnye xa uqokelela olu hlobo lolwazi. Ngokuhlalutya okwahluke ngokupheleleyo kuxabiso ngalinye lihlalutyiwe. Iya kubaluleka kakhulu ukuze ukwazi ukwenza isigqibo sakho ngesiqinisekiso esipheleleyo. Okanye ubuncinci ukuthintela iimeko ezihlazo kwimidla yakho kwimarike yemali. Into ekungekho kubo bonke abatyali zimali abathengisayo abakwaziyo ukuyiphumeza.
Kutheni le nto kushiyeke uninzi kuhlalutyo?
Olunye lwamathandabuzo ozibuza lona ngokuthe rhoqo sisizathu soku kwahlukahlukana okubanzi kwabananisi ababaluleke kakhulu kwihlabathi liphela. Kuba ngenene, awungekhe ulibale ukuba isenzo sabo sisisiseko ngenxa kuphela urhwebo okanye umdla kwezoshishino. Ngokukodwa xa ungekho kubathengi babo kwaye awunabudlelwane nabo.
Injongo yomhlalutyi inokuba ngokuchasene nokuxelwa kwangaphambili. Ngeenjongo ezifihliweyo abambalwa abatyali mali abancinci nabaphakathi bayazi. Kufuneka uphonononge ezinye zazo ukubonisa iziphumo zazo kwiimarike zezemali. Nokuba unememori ethile ungakhumbula okwenzekileyo Izabelo zikaTerra. Babethengisa kumanqanaba angama-120 eYuro kwaye abanye babo babenoluvo lokuba zitshiphu. Okwenzekileyo kamva kuyaziwa kubo bonke abasebenzisi bemarike yemasheya. Ukuba akunjalo kuba kwiimeko ezininzi babonakaliswe ngendlela emangalisayo kwaye nokuba ayiqondakali.
Amatyala afana nekaTerra axhaphakile kwimbali ende yezabelo. Akunyanzelekanga ukuba uye kude kangangexesha ukufumana ezinye zolu seto. Kuba ngenene, kuye kwenzeka nangezenzo zabasandula ukunyamalala Banco Popular. Apho kwakungekho kunqongophala kwamazwi abanye babahlalutyi abadumileyo beemarike zezemali abathi ukungena kwixabiso lithuba lokuthenga elicacileyo kuloo mizuzu ngqo. Kuya kwanela ukuya kwithala leencwadi lephephandaba ukufumana eminye yale mizekelo egqibe isigqibo sabatyali zimali abancinci nabaphakathi ngendlela elungileyo.
Ukuziqhelanisa rhoqo
Ngayiphi na imeko, imeko yeTerra ayikho nangayiphi na indlela eyinqabileyo, kude nayo. Esinye sezona zibaluleke kakhulu sasinento yokwenza nekhemistry kwiminyaka embalwa eyadlulayo. Isilika yaseBarcelona. Xa kwakuthengiswa kwii-euro ezimbini ngesabelo ngasinye, kwakucetyiswa kakhulu ngabahlalutyi beemarike zezemali. Akumangalisi ukuba babone kwesi sicelo sengeniso esahlukileyo yokubheja okucacileyo ukwenza ukonga kunenzuzo. Kwiinyanga ezimbalwa kamva, beshiya iimarike kwaye ngale ndlela, abatyali mali abancinci nabaphakathi baphulukana nayo yonke iminikelo yabo yezoqoqosho ngephanyazo.
Oku kuzisa ukuba ingaba olu didi lweengcebiso eziphosakeleyo kwizindululo zentengiso yesitokhwe zilungile. Kungenxa yokuba olu hlobo lwezenzo ezinokuthi balahlekise omnye umtyali mali omncinci nophakathi. Ngeengxaki ezisengqiqweni ezinokuthi zibandakanye le klasi yokusebenza kumvuzo oguqukayo. Apho kuqheleke kakhulu ukuba kwenzeke kubasindisi abanenkcubeko encinci yemali. Kungenxa yesi sizathu le nto kufuneka ulumke kakhulu ngolu hlobo lwezimvo ezingenabuchule. Ngokwenyani yenye yeziphumo zokuthobela ezi zimvo malunga nento ekufuneka uyenzile kwiimarike zezabelo.
Unokwenza ntoni kwezi meko?
Eyona nto inengqiqo kukuya kuyo imithombo yolwazi kuyo yonke inyibiliko abanako ukudala ukugqwetha xa besenza izigqibo. Ukongeza, kufuneka babe nenkululeko enkulu kwaye bangaphenjelelwa lilo naliphi na ishishini elisekwe elinomdla kwiimarike zezemali. Kungelo xesha kuphela apho siya kuba nobungqina bokucoceka kolwazi. Kungenxa yokuba, kukho umonakalo omkhulu onokwenziwa ukuba ulandela ezi paramitha zohlalutyo.
Nokuba yeyiphi indlela, kuya kufuneka ukhumbule ukuba ukungena phakathi kwabahlalutyi yenye yezona zinto zixhaphakileyo kwicandelo. Ukuza kuthi ga kwinqanaba lokwenziwa ngabantu abanoqeqesho oluncinci kwezi marike zikhethekileyo. Akumangalisi ukuba ezi zinto ziye zanda kule minyaka idlulileyo ngenxa yeziganeko zobuchwepheshe obutsha kwihlabathi lemali. Ngaphandle kwayo yonke into, iya kuhlala iyimfuneko ukuba uthelekise ngokuchanekileyo ulwazi kunye nohlalutyo. Ukuze ngale ndlela ukhuseleke ngakumbi kulo naluphi na uhlobo lokugqwetha.
Imisebenzi engacacanga
Ngale ndlela, zininzi izimvo zesahlulo esilungileyo sabatyali mali abancinci nabaphakathi malunga nokuqhutywa kolunye ukhuseleko kwimarike yemasheya. Ngokukodwa, bonke abo bavela imali enkulu encinci kunye nemali ephantsi kwiimarike. Ayothusi into yokuba ngezihloko ezimbalwa banokuphakamisa okanye banciphise amaxabiso abo ngokuthanda. Njengoko kubonisiwe kwiinyanga ezidlulileyo. Ngamanye amaxesha, kuneziphumo eziyingozi kubasindisi abanezikhundla ezivulekileyo kwii-equities.
Ukusuka kule meko ngokubanzi, awungekhe ulibale ukuba esona sicwangciso silungileyo onokuwusebenzisa ukusukela ngoku kukuhambisa imali yakho oyigcinileyo kwisitokhwe se-solvency. Apho kuya kuba nzima ngakumbi kwizandla ezomeleleyo zeemarike ukuthobela ukuvela kwezabelo. Ngale ndlela, zonke izindululo ze Ibex 35 Banikezela ngokuthembekileyo okukhulu ukuze ukwazi ukuphucula izinto ozithengayo kunye neentengiso. Ukuza kuthi ga kwinqanaba lokuba baninzi abatyali mali abangena kwaye baphume kwizikhundla zabo yonke imihla.
Isalathiso sokhetho sesinye sezona zixhobo zibalaseleyo ukunqanda ukuzibona ungene emanzini ungathandekiyo kwiminqweno yakho. Ukongeza, uya kuqinisekisa ukuba awubambeki kwizikhundla zakho. Oko kukuthi, awunakushiya iimarike ngamaxabiso owafunayo. Kuba amaxesha amaninzi uya kunyanzelwa ukuba wenze imisebenzi engalunganga kwaye unokulungelelanisa ibhalansi yeakhawunti yakho yokujonga. Le yinto ebaluleke kakhulu kangangokuba awuzukukhetha kodwa ukuyikhusela ngazo zonke iindleko.