Ukwanda kwenzala kwimali: zithini izizathu?

mali mali

Enye yeemveliso zeenkwenkwezi zonyaka ophelileyo we-2017 ibe yimali yotyalo mali. Ngayo nayiphi na imeko, ukusuka kwezo zisekwe kwingeniso emiselweyo ukuya kutshintsha. Ngaphandle kokulibala ezinye okanye ezi zixubeneyo. Zininzi izizathu zokuchaza le mikhwa mitsha yabatyali mali abancinci nabaphakathi baseSpain. Ngale nqaku, uya kuba nezitshixo ezifanelekileyo zokuqonda olu tshintsho kwindlela ilizwe lemali.

Ukuba kukho inkcazo yokuqala yale nyani kutyalo-mali, kungenxa yokunqongophala kokusebenza kweemveliso eziphambili zebhanki ezilungiselelwe ukonga. Phakathi kwabo, iidipozithi zexesha, iiakhawunti ezinesivuno esiphezulu, amanqaku ezithembiso okanye ityala loluntu leentlobo ezahlukeneyo. Ngembuyekezo kulondolozo olungagqithiyo kumanqanaba e-1%. Nokuba kuncinci kangakanani kwezinye zazo. Njengokusabela kwinkqubo ye Ixabiso eliphantsi lemali. Ukukhuthazwa yi-European Central Bank (ECB). Kwaye oko kuyibeke kwi-0%.

Inxalenye elungileyo yemali eyinkunzi yezi modeli zokonga iye yahanjiswa kunyaka ophelileyo yaya kutyalo mali. Ngeentshukumo ezinobundlongondlongo ezikhokelele amaqhinga amatsha otyalo-mali. Yonke into ibonakala ngathi kulo nyaka mtsha siwuqalileyo, izakuqhubeka ukulandela imeko efanayo. Nokuba ukomeleza imali yotyalo-mali enxulunyaniswe neemarike eziphambili zestokhwe. Hayi kuphela kuzwelonke, kodwa kwezinye iindawo kwihlabathi liphela.

Ukuqokelelwa kwemali ngoDisemba

ingqokelela

Enye yeedatha zokugqibela ezingashiywanga ngo-2016 kukuba inyanga kaDisemba ibe Unyaka wesibini obalaseleyo kushishino lwengxowa mali, ngokweenkcukacha ezibonelelwe yi-Imantia Capital. Ngokukodwa, inyuke nge-4.360 yezigidi zeerandi. Eli nani libonisa umdla oqhubekayo kwinxalenye yazo zonke iiprofayili zotyalo mali. Ukusuka kwezona zinoburharha kwimarike, ukuya kweziphakathi. Ngenxa yeemali ezininzi zotyalo-mali ezikhoyo ngalo mzuzu.

Ukunyuka kwale mveliso yemali kwiinyanga ezidlulileyo kuyabonakala. Ngale ndlela, icandelo liwuvalile unyaka-mali we-2016 ngexabiso elipheleleyo lokukhula kwe-14.210 yezigidi zeerandi. Ngokwenza oko kuthetha ukuba ngalo nyaka inyuke ngama-50%, xa kuthelekiswa nonyaka ophelileyo. Kwinto emiselweyo njengolonyuselo lwesine ngokulandelelana kokungena kwemali kuyo nayiphi na kwezi mveliso zezezimali. Ukubonelela ngeyona migca ilungileyo kule minyaka idlulileyo.

Ngokubhekisele kumacandelo ekuvunyelwene ngawo, kukho iindaba malunga nokuhanjiswa kwemali eyinkunzi. Ayothusi into yokuba, ngokutsho kwalo mthombo mnye, ibonisa ukuba ezona mali zifunwayo kweli xesha yimali emiselweyo yexesha elifutshane kunye nenzuzo ngokwenjongo. Yaziwa kumacandelo emali njengokuthenga nokubamba. Ngelixa iLa Caixa iphinda njengeziko elilawule ezona zixa zininzi ngo-2016. Malunga ne-18,5% yesabelo sentengiso. Okulandelayo, iBanco Santander kunye neBBVA, nge-15,3% kunye ne-13,6% ngokwahlukeneyo.

Okumangalisayo kukuba, esinye sezizathu zokuba le femu yalatha ukuba ichaze le nzala ingenakuphikiswa kwingxowa-mali yotyalo-mali kungenxa yesiphumo sokhetho e-United States. Ngokufika kukaDonald Trump kubongameli belinye lawona mazwe anoqoqosho olunamandla emhlabeni. Ikwabonisa ukuba iindidi ngentsebenzo ebalaseleyo ziye ezo zidityaniswe kwimarike yemasheya kunye neengxowa-mali zokulingana. Ngokuchasene noko, abatyali mali abancinci abanomdla kunye naphakathi bayizindlu kunye nemali.

Kutheni le nto unomdla kwimali?

Zininzi izizathu zokucacisa olu tshintsho kubutyebi babasindisi abaninzi abathembele kule mveliso yahlukileyo kutyalo-mali. Enye yezona zidumileyo, ngaphandle kwamathandabuzo, ngamathuba amaninzi okukhetha imodeli oyithanda kakhulu. Okanye ubuncinci obufanelekileyo kwiprofayili yakho njengomtyalomali wevenkile. Ngezinye iindlela ezingapheliyo. Phantse uninzi lweeasethi zemali ezikhoyo kwiimarike zezemali. Unako ukutyala imali kuye wonke umntu, kusikelwe umda kwindawo apho imali yakho iye khona.

Elinye lamagalelo alo aphambili lilele kwinto yokuba ivelisa umahluko omkhulu ngakumbi nangakumbi otyalo-mali. Ngokukodwa ngenxa yokuba abajolisiswanga kwiasethi enye yezemali. Kodwa kwindalo ezahlukeneyo. Kungenxa yokuba kwimveliso efanayo yemali unokuqokelela ingeniso esisigxina ngokuguquguqukayo. Ngaphandle kwezinye izinto eziqhelekileyo ezingaqhelekanga. Njengakwimeko ethile yezinto ezingafunekiyo, utyalomali lokuthengiswa kwezindlu kunye nokungazinzi kweemarike.

Ngaphandle kokuba nangaliphi na ixesha wenze ipotifoliyo yotyalo mali. Akumangalisi ukuba ikhuthazwe kwaye ilawulwe ngamaqela ezemali. Ngoncedo olongezelelekileyo lokuba ungarhuma nayiphi na ingxowa-mali yexabiso elifikeleleke ngokwenene kulo naluphi na uqoqosho lwasekhaya. Ukusuka kwimirhumo evela kwi-500 euro. Ngamanye amaxesha, nokuba yimali ebiyelweyo, njengefomula yokukhusela izikhundla ozivulayo ngexesha elithile.

Imiqathango yokuhlala

isigxina

Ukwahluka okukhulu kunika ithuba ekufuneka ugcine ngalo ingxowa mali yakho ivulekile. Iingcali kule mveliso zichaza ukuba eyona migaqo iphakanyisiweyo iphakathi kwaye inde. Ngokomndilili oqikelelweyo phakathi kweminyaka emi-3 ukuya kwesi-5. Leliphi ixesha apho ungaziqokelela ngcono izibonelelo zakho. Ngale ndlela, baziphatha ngakumbi njengemveliso yokonga kunotyalomali. Ngayiphi na imeko, ukusebenza kwayo ixesha elifutshane kakhulu kunqunyelwe ngenxa yeempawu zale mveliso.

Ngapha koko, banika ithuba lokuba babe njalo idluliselwe simahla kwezinye iimali xa iimeko zentengiso zingezizo ezilungileyo. Ukuzama ukunciphisa umda welahleko okanye ubuncinci ukusebenzisa amanye amathuba anelisayo anokubonelela ngawo ukuze wonge ngendlela enenzuzo. Ngamafutshane, ikunika uninzi lokwahluka ezinye iimveliso zezemali ezingenakukunika lona ngenxa yoomatshini abakhetheke kakhulu kuyilo lwabo.

Enye imeko onokuyisebenzisa ukusukela ngoku ukuya phambili kukuba unokukhetha indawo yejografi apho utyala khona imali oyigcinileyo. Ukuthuthuzelwa kwimveliso enye kunye nokwenza ukuba kusebenze ngokusemthethweni kwikhaya lakho kwiindawo zeholide. Ngenxa yenyani, enye igalelo labo kukuba banokubekwa ngokusesikweni kwi-Intanethi. Ngalo naliphi na ixesha losuku kwaye usebenza kwibhanki yakho yesiqhelo. Ngaphandle kwezithintelo ezininzi ukuze ukwazi ukufezekisa iminqweno yokuzibhalisa.

Ngokusebenzisa imali yesalathiso

Ukhetho lwe ngokuchanekileyo ukuphindaphinda indlela yokuziphatha kwesalathiso sesitokhwe. Ngobungqongqo obufanayo kwaye ngokungafaniyo nezinye iimodeli zotyalo-mali ezingaphantsi kwala maxabiso. Nangona isibonelelo esibonisiweyo kuwe sincinci kakhulu. Ngezindululo ezincinci ezenza ukhetho lube nzima ngakumbi. Ngayiphi na imeko, yenye enye indlela ekufuneka uyityale imali yakho phantsi kwezi fomathi zala maxesha. Kwaye ziyafana kakhulu notyalo mali ngqo kwimarike yemasheya.

Ewe kunjalo, enye indlela onokutyala kuyo imali oyigcinileyo kulo nyaka sele iqalile. Ngesicwangciso sifana ngokungathi utyala imali yakho kwimarike yemasheya ngokuthe ngqo. Nangona umahluko omkhulu. Ayisiyo enye into ongazukujolisa kwixabiso elinye, kodwa kwi Ibhasikithi yesitokhwe sesalathiso sesitokhwe sonke. Nokuba ukhetha ntoni. Ngale ndlela, ukufana kwayo notyalo-mali kukhulu kakhulu.

Izinto eziluncedo zokutyala imali kwingxowa-mali

utyalo mali

Akungabazeki ukuba iimali ezihlangeneyo zineenzuzo kunye nokungahambi kakuhle. Kowokuqala, uya kufumana ezinye zazo ezinokuba luncedo kakhulu kwipokotho yakho yabucala. Kuya kufuneka ubagcine engqondweni ukuba kulo nyaka uza kukhetha le mveliso ikhethekileyo yemali. Ayothusi into yokuba kuyakubakho igalelo elininzi eliza kukuvelisa kule mizuzu. Kwaye phakathi kwazo ezo sizityhila ngezantsi zivelile.

  • Zihlala ziyimveliso Kulula ukuyiqonda. Ayintsonkothanga kwaphela xa ithelekiswa nezinye iimodeli zotyalo-mali. Ungavula ngayo izikhundla kuzo ngaphandle kobunzima obagqithisileyo.
  • Unayo iintlobo ngeentlobo zezindululo. Zombini kwii-equities kunye nengeniso esisigxina. Nokuba lolunye uhlobo lwangaphambili onokulufumana ngoku. Awuyi kuba neengxaki ekufezekiseni iimfuno zakho zotyalo-mali
  • Ukuthengiswa kwakho kuphezulu kuba ungangena kwaye ushiye iimarike ngokukhawuleza njengoko ufuna. Ngaphandle kwemida kwiintshukumo ozithathayo kulo naluphi na udidi lotyalo mali. Nangona kuya kufuneka ulinde ngaphezulu komhla wokuhlaliswa kwaso.
  • Zenzelwe ukuba zenziwe Zonke iintlobo zabatyali mali. Ukusuka kwezona zinoburharha kwabo banesiprofayili esilondolozayo. Abakhuphi phantse akukho mntu kwizikhundla zabo. Nokuba unemali efikelelekayo kuyo yonke imizi.
  • Ngapha koko, ukusebenza kwayo okuphezulu unako fumana ixesha eliphakathi okanye elide. Oko kukuthi, ukusuka kwiminyaka emi-2 okanye emi-3 malunga. Ungaze kwixesha elifutshane kakhulu
  • Nayiphi na ibhanki osebenza nayo iya kuba nemveliso enezi mpawu. Ngokunikezelwa apho yonke imali ingafakwanga. Kodwa kuphela ezo zikhethwe liqela ngokwalo.
  • Ungababhalisa kwezinye iimali ukuba le yiminqweno yakho, nangona Uya kuba neekhomishini ezifuna ngakumbi. Unokukhetha ukubiyela imali, kule meko i-euro, njengesicwangciso sokukhusela ugcino lwakho ngokufanelekileyo.

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