Hlawula ngekheshi okanye ikhadi? Lo ngowona mbuzo uqhelekileyo xa sikwindawo yorhwebo, indawo yokutyela okanye indawo yokubhukisha. Apho iingxelo zibonisa ukuba intlawulo ngekhadi lekhredithi okanye ledebhithi inyanzeliswa ngokucacileyo nangokuhambelana njengenye yezo zinto imikhwa yabathengi baseSpain. Apho kuya kuhlala kukho iimeko ezithandekayo kunezinye ukwenza ezi zichumiso ngale ndlela. Nangona ekupheleni kosuku ihlala iyimali yakho yiyo le nto malunga nezi meko.
Enye into ekufuneka ihlolwe kusetyenziso lwekhadi letyala okanye ledebhithi linxulumene nokugcinwa kwalo. Oko kukuthi, bafuna umrhumo ophakathi kwe-10 kunye ne-50 ye-euro minyaka le, kuxhomekeke kwimodeli ekhethwe ngabasebenzisi abakolu didi lweemveliso zebhanki. Kwelinye icala, awungekhe ulibale ukuba banesinye isabelo sokukhutshwa esisekwe malunga nee-euro ezingama-20. Ngamanye amagama, amakhadi etyala okanye okuthenga ngetyala avumelekanga kubanini bamakhadi, ngaphandle kweenkolelo ezithile ezithandwayo.
Kodwa endaweni yotshintshiselwano ungenza ukubhukisha ngeendlela zothutho, ukuhlawulela ukuthenga kwivenkile okanye nokwenza umsebenzi kwiimarike zezabelo. Kuzo naziphi na iimeko, ayifani ukuba nemali yakho kunokwenza kwimodel yetyala. Kwimeko yesibini, bavelisa inzala enokufikelela kwinqanaba ukuya kuthi ga kwiipesenti ezingama-20 kunye nepesenti ephezulu kwi iifomati ezijikelezayo (30%).
Imali okanye ikhadi
Enye into ekufuneka ilungisiwe ngokunxulumene nokuhlawulwa kwamakhadi yimodeli yeplastiki ekhethwe ngabasebenzisi. Ukuba oku, ikhadi letyala kuya kufuneka kuvavanye ukuba lo msebenzi isenokungabi simahla. Oko kukuthi, olu hlobo lokuhamba lubandakanya uthotho lweendleko, ezinje ngenqanaba lenzala, iikhomishini kunye nenkcitho kulawulo okanye kulondolozo. Malunga nomdla, iintshukumo mazilawulwe kakuhle kuba zinokubatyala ngokugqithileyo abanini bezi ndlela zokuhlawula. Ngokukodwa, kwiimali ezivela kwi-5.000 euro kwaye ngaphandle kwemida kwimfuno.
Ngokubhekisele kumakhadi etyala, kufuneka kugxininiswe ukuba le micimbi iyasuswa. Kule meko, kuba unako kuphela chitha imali onayo kwiakhawunti yakho yokonga. Ke ngoko akukho mda kumatyala. Nangona ngokuchaseneyo, into enokuvelisa kukuba uhlala uwatsala la makhadi kwaye inokubeka umngxunya kusapho lwakho okanye kuhlahlo-lwabiwo mali lwakho. Ngaphandle kwenkcitho inayo yokukhutshwa kunye nokugcinwa kwayo enokufikelela ngokugqibeleleyo kuma-euro angama-50 minyaka le.
Amakhadi esaphulelo
Ngapha koko, unokuhlala ufumanisa ezinye iiplastiki ezikuvumela ukuba ugcine unyaka nonyaka. Kungenxa yokuba, amakhadi athile aluncedo kakhulu anokufumaneka kwintengiso yexesha leeholide kuba bevumela abanini bazo ukuba bafumane iibhonasi kwiindawo ezininzi iimveliso zabakhenkethi: iiphakheji zeholide, ukubhukisha ihotele kunye nezothutho, nakwezinye iindlela onokufikelela kuzo ngezaphulelo kwezinye iivenkile zokutyela.
Apho kukho iintlobo ezahlukeneyo zamakhadi- kwimowudi yabo yamatyala- abakhetha ukwenza unyuselo apho abanini babo bathatha inxaxheba kwiiraffles zenyanga ngeenyanga zehlobo, apho inani lebhaso liya kulingana nenani lekhredithi elityelweyo ngumthengi . Ngaphandle kwezaphulelo zokusetyenziswa, ezinye izibonelelo ezinikezelwa lolu hlobo lwamakhadi zizaphulelo ezinokufunyanwa, phakathi kwe-2% kunye ne-4% malunga, kwiiarhente zokuhamba, iityathanga zehotele, iivenkile zokutyela okanye iimveliso ezithile eziqhelekileyo kwiinyanga zeholide. .
Kwaye oko ekugqibeleni kuya kuxhomekeka kwisigqibo oza kusenza ngexesha lokumiselwa ngokusemthethweni kwezi mveliso zebhanki. Oko kukuthi, uza kuzifuna ngantoni, yintoni eza kukuxabisa minyaka le kunye nenqanaba letyala onokuliqokelela kule minyaka idlulileyo. Le yimibuzo ekuya kufuneka uyiphendule ukuze ukusukela ngoku ungabinazo naziphi na izinto ezimangazayo ezinokuzithathela ubunzima iiakhawunti zakho kwaye, ngapha koko, zithini ngezi ntlobo zezigqibo.
Intlawulo ngekhadi
Ukuhlawulwa kwamakhadi ngumkhwa oza kuhlala iinyanga ezimbalwa. Okwangoku sele kukho amazwe apho ukunyamalala kwemali yinto yokwenene. Ukuya kuthi ga kwinqanaba lale misebenzi, zisetyenziswa ngaphantsi kwe-1% yemicimbi eqhutywa kweli lizwe. Ngokubhekisele eSpain, ikunye neJamani, lelinye lamazwe e-EU elisebenzisa kakhulu iingqekembe kunye nemali engamaphepha, ngokwe-European Central Bank, kodwa ikhadi sele lithathe imali, limele i-51% yemisebenzi yamaphepha. ISpanish, xa kuthelekiswa ne-39 Ipesenti yemali.
Kuyinyani ebaluleke ngakumbi phakathi kwewaka leminyaka. Kungenxa yokuba i-80% yabo yenza intlawulo ngekhadi kwaye bajoyine imeko yokuhlawula ngeSmartphone okanye ezinye izixhobo zetekhnoloji. Ukuza kuthi ga kwinqanaba lokusazisa ngesimo esiboniswayo ngeendlela zokuhlawula. Apho kuboniswa ngenjongo enkulu ukuba ayisiyiyo kuphela utshintsho ukusuka kwimali ukuya kwi-elektroniki. Ukuba akunjalo, ngokuchaseneyo, inwenwela nakwezinye iifom zezinto ezintsha ezinxulunyaniswe nentlawulo yedijithali.
Iiplastiki ezinentlawulo emiselweyo
Igalelo eliphambili lale nkqubo kukuba ivumela abanini bayo ukuba bayirhoxise intlawulo yabo ukuthengwa kwiinyanga ezi-6 okanye ezili-12, uninzi lwamaxesha ngaphandle kwentlawulo yenzala, nangona kwiinyanga ezidlulileyo amakhadi anobundlongondlongo avela ngokumalunga nezibonelelo zawo ezivumela ukuba iikhredithi zeveki okanye zenyanga zijongane neendleko ezingalindelekanga.
Nangona kunjalo bakhululekile Ngethuba lonyaka wokuqala, kufuneka kuthathelwe ingqalelo ukuba xa inkcitho inyuka, inyuka imirhumo ekuya kufuneka ikhutshwe kuwo onke amaxesha abekiweyo kwisivumelwano, esinokunyusa amanqanaba abanamatyala. Le yifomula enobuchule obuninzi esetyenziswe ngala makhadi ngokusebenzisa iifomathi zereyithi ethe tyaba, ekuya kuthi ngayo isixa semali esihlawulwayo sinyanzelwe ngaphandle kokuthengwa okwenziweyo, okusekwe ngokubanzi ukusuka kwi-20 kunye ne-40 ye-euro, umsebenzisi esazi ngalo lonke ixesha isixa ekufuneka sihlawulwe inyanga nenyanga.
Ngereyithi ethe tyaba
Ukwahluka ngokwenyuka kwesithembiso sokuba iibhanki kunye neebhanki zokonga bezithengisa kwiminyaka yakutshanje ngamakhadi akhelwe ngaphakathi ixabiso elimthebelele ukuhlangabezana neendleko zenyanga zabanini bazo. Le modality yeqela lamakhadi abiziweyo ejikelezayo kwaye, ezibonakaliswa yindlela yabo yokuhlawula emiselweyo. Ngabo ungaseta isixa senyanga ukuba uhlawule ngaphandle kokuthenga okwenziweyo.
Eli khadi lahlukile kumakhadi etyala akudala ngendlela yokuhlawula kuba ihlawulwa ngomrhumo omiselweyo, isixa semali esisethwe ukusuka kwi-30 euro ngenyanga ngokuxhomekeke kwikhredithi enikiweyo. Ukongeza, kwezinye zazo unokufumana ikhredithi esisigxina kunye nangoko. Oku kunika izihloko zakho kulawulo olungcono kwinkcitho iyonke, kwaye njengoko ikhredithi ikhutshwa, banakho ukuqhubekeka ngokuthenga kwabo. Ngokuchasene noko, ithatha njengengxaki enkulu yenkuthazo kwinkcitho kwaye, ngenxa yoko, amathuba amakhulu okungena ematyaleni kuba umsebenzisi unyanzelekile ukuba ayisebenzise inyanga nenyanga, nokuba abayifuni le nkonzo yezemali.
Ukurhweba kwimarike yemasheya
Uncedo lwamakhadi okusebenza kwiimarike ze-equity lincinci, nangona ikwanalo nolunye uncedo kubasebenzisi. Ngale ndlela, yenzelwe imisebenzi ephuhlisiweyo kwizixhobo zeteknoloji kwaye oko kunokuququzelela intshukumo yabatyali mali abancinci nabaphakathi. Akumangalisi ukuba, kwikhadi labo lokuthenga ngebhanki banokuthi basebenze kwiimarike ze-equity ngentuthuzelo enkulu kuba banokwenza ukuthenga okanye ukuthengisa ii-odolo naphi na. Nokuba ukwimeko yakho okanye kwindawo yakho yeholide, ukukhankanya nje imizekelo embalwa ekusebenziseni kwayo.
Ngelixa kwelinye icala, asinakulibala ukuba le ndlela yokuhlawula ivumela imisebenzi ukuba yenziwe ngokukhawuleza ukusuka kwifowuni ephathekayo okanye kwenye ifowuni. Ukuze ukwazi ukwenza ukonga ngendlela enenzuzo nangakumbi kulo naluphi na uhlobo lwesicwangciso-mali. Ukongeza, unokufezekisa ngale ndlela yokuhlawula onokuthi ususe iikhomishini kunye nezinye iindleko kulawulo okanye kulondolozo, okanye ubuncinci uzinciphise. Ngayiphi na imeko, yindlela entsha enokufumaneka kubatyali zimali abancinci nabaphakathi ukwenza utyalomali lwabo kwezi asethi zemali.