Abatyalomali abancinci nabaphakathi bakwimeko yokusebenzisa izicwangciso-qhinga ezithile ukunqanda ukuncitshiswa kwemali eyinkunzi de kube lelo xesha, oko kukuthi, ilahleko yenkunzi. Ngokubanzi njengesiphumo sokusebenza kwe ukuthenga nokuthengisa izabelo kwimarike yemasheya. Kodwa nezinye iimveliso ezilungiselelwe utyalo-mali (iimali zotyalo-mali, iziqinisekiso, ezidwelisiweyo, njl. Kodwa eyona nto inomdla malunga nezi zicwangciso kukuba banokukunceda ukuze uzuze kakuhle kwezemali kwingxelo yengeniso elandelayo. Ngamanye amagama, inokuba nefuthe elihle ongenakulibona kubunzulu bayo ngoku.
Ukusuka kule meko ngokubanzi, kuya kuba kubaluleke kakhulu ukuba uzame ukufumana uhlobo lwesisombululo kwi iingxaki zentengiso yemasheya utyalo-mali lwakho olwenzileyo. Ingakumbi kwi iimeko ezingaphaya kwe-bearish Kwiimarike zezemali kwaye apho kunokwenzeka ukuba ungalahla ama-20% okanye ama-30% eemali ezityaliweyo. Okanye nangakumbi kwiimeko ezingalunganga apho ukuwa kweemarike zezabelo kubundlobongela ngokukodwa. Ukuza kuthi ga kwinqanaba lokuba kuyakufika indawo apho uye uzibuze lo mbuzo ulandelayo: ngaba ngokwenene zikhona iindlela zokujongana nabakhubazekileyo?
Ewe akukho zindlela zokupheka zobugqi zokulungisa le ngxaki inkulu onokuthi uyiphuhlise ngaxa lithile ebomini bakho njengomtyali mali ophakathi nophakathi. Nangona kunjalo, ngokusebenzisa ezinye izikhokelo okanye iingcebiso unokujamelana nokuwa okwenziwa lilizwe nakwamanye amazwe ukulingana ngexesha elithile. Ukuze ngale ndlela, kwelinye icala ukwazi yeka ukulahleka kwemali eyinkunzi ukuba uyasokola. Kwaye kwelinye, unesimo esingcono sokunyusa ukusebenza kwiimarike zezabelo.
Ukukhubazeka: inkalo ekufuneka uyiqwalasele
Kuzo zonke iimeko, awuzukukhetha ngaphandle kokuchonga iprofayile onayo njengabasebenzisi beemarike zesitokhwe. Njengeempawu eziphambili zotyalo-mali olwenzileyo mzuzu ngamnye. Kwaye zezi zilandelayo silivezela ngezantsi:
Inqanaba lotywala: Kuyimfuneko ukwahlula abasebenzisi abanesidingo semithombo yemali kwabo bangenayo. Ngale ndlela, awufanelanga ukulibala ukuba abokuqala kubo baya kuba nesidingo sokuthengisa izabelo zabo ukusombulula ingxaki. Ngelixa abatyali mali abaseleyo benethuba elininzi lokufumana kwakhona utyalomali lwabo. Oko kukuthi, izabelo zinokusondela kwixabiso apho kuthengwe khona.
Ixesha lokuhlala: Alithandabuzeki elokuba ukuhlala ixesha elide akufani nokuba mfutshane. Ukuya kwinqanaba lokuba ngokuxhomekeke kule parameter ibalulekileyo uya kukhetha isicwangciso esinye okanye esinye sokumisa ilahleko onazo kwiakhawunti yakho yezokhuseleko. Awusenaso esinye isisombululo ngaphandle kokuchonga ixesha lokusebenza kweemali.
Imali eyityaliweyo: Kuya kuba luncedo kakhulu ukuthatha izisombululo kule ngxaki ukuba uthathele ingqalelo inani lale misebenzi kwintengiso yemasheya. Kuba, kunyango, unyango lotyalo-mali lwe-3.000 euros alufani nalowo ufuna enye i-100.000 euros. Kuya kubakho ukwahluka okubonakalayo kwizisombululo ekufuneka uzithathele ukusukela ngoku. Akumangalisi ukuba unyango lwakho luya kwahluka kakhulu kwimeko nganye.
Izikhokelo zokumisa ilahleko
Ngoku kuza owona mzuzu unomdla kakhulu kweli nqaku kwaye lelona libhekisa kwizisombululo osesandleni sakho ukulungisa esi siganeko sikhathazayo kwihlabathi lemarike yemasheya. Ungakhathazeki kuba ukusukela ngoku uye phambili iindlela ezininzi iqulethe ukopha kokuwa kwamanani kwizabelo. Ngaba uyafuna ukwazi ukuba zeziphi ezizezona zibalulekileyo? Ewe, nikela ingqalelo encinci kuba unokuba luncedo kakhulu ukuze uphume kwimeko engaqhelekanga engathandekiyo kwiingxowa.
Ukuxhaphaza irhafu yokukhubazeka: Kuxhomekeke kwinkunzi eveliswe kulo nyaka kwaye kuxhomekeke kwilahleko yemarike yemasheya osokolayo kuyo, ungenza intengiso okanye iyonke intengiso yezokhuseleko ezingaxatyiswanga ngokubhekisele kwixabiso lokuthenga kwingxelo yengeniso elandelayo. Ngumcimbi wokwenza amanani, ukubala ukuba zeziphi izibonelelo ezinokuthi zixelwe ngokwenza ezi ntengiso kwaye, kwimeko yokuthandabuza, eyona nto ifanelekileyo kukuya kumcebisi werhafu oya kuthi abe noxanduva lokuthatha isigqibo sokuba ngaba lo msebenzi kufuneka yenziwe. Okwangoku yenye yezona ndlela zinenzuzo kwimidla yabatyali mali abancinci nabaphakathi.
Inxalenye okanye intengiso iyonke?
Ngumsebenzi oya kuxhomekeka kwezinye zezinto ekuxoxwe ngazo kwisahluko esingaphambili. Kuba ayizukuhlala ikwimeko efanayo kwaye ngaphandle kwento onokuthi uyenze ekuqaleni. Ukuba akunjalo, ngokuchaseneyo, le ntsebenzo kwiimarike zezemali iya kuxhomekeka ikakhulu kwi imali etyalomali ngakumbi ixesha lesigxina apho utyalomali lumiselwe khona. Njengoko sele ubonile, ayizukufumana unyango olufanayo kuzo zonke iimeko, kodwa kuya kufuneka inyathelo elahlukileyo kwimeko nganye. Kungenxa yokuba awukwazi ukulibala ukuba nganye yazo ayinanto yakwenza nabanye.
Ukusuka kule ndlela ngokubanzi, kuza owona mzuzu wokugqibela kuwo wonke. Apho kuya kufuneka uchaze into ekufuneka uyenzile ukusukela ngoku. Oko kukuthi, nokuba uza kwenza ukuthengisa ngokupheleleyo okanye ngokungaphelelanga ukuze ungalahli imali eninzi kwizikhundla zakho kwimarike yemasheya. Ewe, kule ngqiqo, akukho nto ilunge ngakumbi kunokwenza ngokwe isitokhwe onaso kwipotifoliyo yakho ngaloo mizuzu. Kodwa uhlala uthathela ingqalelo umba obaluleke kakhulu njengokuyidinga le mali kwiinyanga ezizayo. Okanye ukuba ngokuchaseneyo unokuzivumela ukuba uqhubeke ngokuhamba okuvulekileyo iinyanga ezimbalwa okanye unyaka.
Soloko ugcina izikhundla
Enye into onokuyisebenzisa kule meko inokwenzeka ayikokutshintsha isicwangciso sakho sotyalo-mali kancinane. Oku xa kusenziwa kuguqulela ekwenzeni nto kwaphela kwimarike yemasheya. Ngeyona njongo iphambili yokulinda Ukubuya kweemarike kuzolile kwaye uqinisekise ukuba amaxabiso okhuseleko ngalunye afikelela, ubuncinci, amaxabiso okuthenga ngexesha elithile elinokuthi lithathwe luqoqosho lwasekhaya. Ngokuqinisekileyo lukhetho olulondolozayo olubonakalisiweyo kwabo batyalomali baneprofayili yokuzikhusela abangenangxaki yokuhlawula amatyala kunye nabalawula utyalomali lwabo kwixesha eliphakathi okanye elide.
Ayingabo bonke abasebenzisi abanokukwazi ukuya kwisisombululo esiqatha. Kodwa yonke into Kuya kuxhomekeka ekubeni uza kufuna ukuthengiswa ukuhlangabezana neendleko zobuqu okanye zosapho kwezi nyanga zimbalwa zizayo okanye iminyaka. Ngenxa yoku kuyakufuneka uphonononge ukuba ngowuphi umthombo wakho wengeniso ukusukela ngoku kwaye oko kuyakugqiba isigqibo oza kusithatha malunga nale ngxaki ivelayo kwaye enokudala iintloko ezininzi ebusuku. Ayothusi into yokuba udlala kakhulu ngesi sigqibo unayo phambi kwakho ngoku.
Thatha ithuba lamaxabiso aphantsi
Ngayiphi na imeko, ukuba unobungangamsha obunoburharha, unesicwangciso esinokuba luncedo kakhulu ebusweni beyona migaqo mide kunayo yonke. Ayothusi into yokuba unokuthatha ithuba lokufumana amaxabiso esitokhwe asezantsi ukuphucula izikhundla zakho kwizabelo. Kungenxa yokuba, ngokulula njengoko uza kuba nakho ukubona ngezantsi. Liqhinga elisekwe ekwenzeni ukuthengwa okukhethiweyo ukulungiselela ukubuyisa igalelo lakho lezemali. Kodwa ngexabiso eliphezulu kunaleyo banayo okwangoku. Ukuze ngale ndlela, ungabi kude neziphene kuphela, kodwa nokuba elinye icandelo lihambelane nesiseko sento eyakuba sisiqhamo sotyalo-mali lwakho.
Esi sicwangciso sotyalo-mali sisebenza ngokufanelekileyo xa ukwehla kusisiphumo sokudodobala kwexesha. Ukuya kwinqanaba lokuba uya kudibana nezinye amaxabiso esitokhwe aya kuba mnandi kakhulu ngokungabajongeli phantsi. Nangona kunjalo, kuya kufuneka ube negazi elininzi elibandayo kwaye ngaphezulu kwako konke oku uxhaswayo yiakhawunti yokonga enamandla ngokwaneleyo ukwanelisa eli bango likhethekileyo onalo njengomtyali mali omncinci nophakathi. Kuya kufuneka uxabise ngaphezulu kwezinye izinto ezinokuthi amaxabiso akho anyuke ngaphezulu kwe-15% kwisithuba esifutshane sexesha.
Ngayiphi na imeko, kuya kufuneka ukhumbule ukuba esi sicwangciso sisebenza ngokukuko xa kufikwa kukhuseleko olubonakaliswa kukungazinzi kwamandla kunye namandla abawenzayo kwintengiso yemasheya. Apho iintshukumo zingenabundlobongela kwaye zinokufumana amaxabiso azo ngokulula, phakathi kwezinye izizathu kuba ukuwa kwazo kwiimarike zezemali zinobundlobongela njengezinye izindululo kwimarike yemasheya. Ngaphandle kwezinye iinkqubo onokuzisebenzisa ukujongana nelahleko ezinokufakwa kwisitetimenti sakho sengeniso. Oko kukuthi, emva kwayo yonke loo nto, ijongana nantoni kwezi meko.