Irhafu yengxowa mali

Irhafu yengxowa mali

  Siyazi ukuba namhlanje sifumana utshintsho olwahlukileyo ngaphakathi kwiimveliso zebhanki ezinje ngedipozithi. Kungenxa yoko le nto abatyali-mali ngoku bezinikezele ekuphatheni imali yabo ngokutyala kuyo iimali zotyalo-mali.

Iimali zotyalo-mali

Ngaba uyazibuza ukuba zeziphi iimali ezihlangeneyo? Ziiseti ze iimveliso zezemali okanye zokhuseleko apho umntu akhetha ukutyala imali. Kukho abalawuli, abazinikeleyo ekuqokeleleni izihloko ezithi xa zidityanisiwe zibe ziimali. Emva koko, siza kuchaza iintlobo ezahlukeneyo zeemali ezikhoyo.

Irhafu

Kuya kufuneka sazi ukuba umntu othabatha inxaxheba kwi Ingxowa mali yotyalo mali ayihlawuliswa rhafu de kwenzekani buyisela imali lezabelo. Ngamafutshane, asisayi kunika mali kude kube utyalo-mali luphumelele.

Eyahlukileyo Izabelo zengxowa mali badlala indima yezemali yokujonga inzuzo okanye ilahleko yezabelo kwinzuzo efumanekayo. Ngendlela yezemali, inzuzo eyinkunzi kunye nelahleko ngumahluko kwi Ixabiso lemali yomrhafi. Inzuzo okanye ilahleko eyinkunzi iya kuchongwa ngumahluko phakathi kwexabiso lokubhalisela kunye nokukhululwa kwezabelo.

Irhafu yengxowa mali

Uncedo olukhulu lwerhafu kwiimali mutual kukuba akukho mfuneko yokuba uhlawule irhafu yepropathi, ubuncinci kude kube Inzuzo eyinkunzi iyasebenza kwaye iyasebenza.

Ngeenjongo ezibonakalayo, sinokufumana ixabiso lelifa ngokwenza umsebenzi olula; Sisusa ixabiso lokufumana kwixabiso lokudlulisa. Ixabiso lokudlulisa lenziwe ngexabiso lokuthengisa ngaphantsi kweendleko kunye neerhafu ezihambelana naloo ntengiso. Kwelinye icala, i Ixabiso lokufumana Yenziwe ngexabiso lokuthenga kunye neendleko kunye neerhafu ezihambelana noko kuthengiweyo.

Uhlengahlengiso lwerhafu ka-2015

Iarhente yetax iseke Umda we-400,000 euro.

Kukho irhafu kunye nezikhokelo zenzuzo yeSibhengezo seNgeniso se2016, ezokukunceda ukuba unamathandabuzo malunga neNgxelo yeNgeniso kwaye uya kuba nakho ukubonisana nemiba ebaluleke kakhulu malunga nerhafu.

Ukuba ukhe wakuthathela ingqalelo ukutyala imali ukunceda kwirhafu yakho efanayo, siza kukuxelela malunga nayo ngezantsi.

Zeziphi iiasethi endinokutyala kuzo?

Kukho ezahlukeneyo iintlobo zeempahla apho unokutyala khona imali yakho ukuvelisa inzuzo. Siza kugxila kwezintathu ezibaluleke kakhulu.

Irhafu yengxowa mali

• Izabelo (ingeniso eguquguqukayo)

Izabelo zizatifikethi zobunini. Ukuba uthenga isabelo, oko kuthetha ukuba unesabelo kwinkampani okanye kwinkampani, okanye esikunika ilungelo lezinto ezithile ngaphakathi kwenkampani. Ukuba ixabiso lesitokhwe liyenyuka, inkampani inokuthatha isigqibo sokuhlawula abanini zabelo.

Nangona kunjalo, ukuba kukho ilahleko yemali, akusayi kubakho ntlawulo kubanini zabelo kwaye ixabiso lezabelo lingahla. Ixabiso lesitokhwe lixhomekeke kunikezelo nakwimfuno, ethi yona ichukunyiswe yinzuzo, kunye nethemba loshishino kwinkampani.

• Iibhondi (ingeniso esisigxina)

Nge bond, unika imali kwinkampani ethi yona ikubhatale inzala kwaye ikuhlawule imali ebolekiweyo. Umahluko phakathi kweebhondi kunye nesitokhwe kukuba iibhondi azikuniki isibonda kwinkampani.

Iibhondi zinokukhutshwa yinkampani, ngabaphathi bengingqi nabengingqi abanjengoomasipala, okanye ngurhulumente. Banokuba lifutshane okanye ixesha elide kwaye bahlawule inzala ephezulu okanye ephantsi, kuxhomekeke kubungakanani bemboleko yetyala kunye namazinga enzala asisiseko kwiimarike ezinkulu.

Iibhondi zibonelela ngozinzo olukhulu lwamaxabiso kunestokhwe, nangona ixabiso lazo linganyuka okanye lehle ngokuxhomekeke kutshintsho kwinqanaba lenzala okanye ukufaneleka kwetyala kulowo unetyala. Ziyacetyiswa kubatyali mali abafuna ukufumana ingeniso ezinzileyo.

• Izindlu ezithengiswayo

Ukuthengisa izindlu nomhlaba luxanduva lotyalo-mali kumhlaba okanye kwizakhiwo. Ukuba uthengela isakhiwo ngeenjongo zotyalo-mali, iinjongo ezifanayo kukuqeshisa ipropathi kwingeniso yerente. Ngokubanzi irente ixhomekeke kwindawo ekuyo, injongo kunye nemeko yesakhiwo eso.
Kukho ezinye iintlobo zeeasethi apho unokutyala khona imali yakho, kodwa ezi zintathu zezona ziphambili kwaye zixhaphakileyo kubatyali mali. Ezi zinto zintathu ziphambili zinamathuba ahlukeneyo kunye nobungozi.

Zisebenza njani iimali ezihlangeneyo?

Umgaqo osisiseko ulula; iqela elikhulu labatyali mali basebenzise imali yabo ukuyityala kwiiasethi ezahlukeneyo ezinje ngeebond zotyalo-mali, izitokhwe, phakathi kwabanye. Ezi Iimali zotyalo-mali zilawulwa ziinkampani iingcali zolawulo, ngelixa zisonganyelwe ngabalawuli bakarhulumente. Ukutshintshisa utyalo-mali lwabo, abatyali-mali bafumana Ixabiso lempahla yeenkampani zolawulo. Abatyalomali bakhetha kuluhlu olubanzi lweemali ezihlangeneyo

Irhafu yengxowa mali

Iinjongo zakho kunye neenjongo zakho kufuneka zibe ichazwe kwingxelo yengxowa-mali ukuze, kunye neeasethi, ingxowa-mali igunyaziswe ukuba ityale imali.

Ungalazi njani ixabiso lotyalo-mali?

Elula; i Ixabiso lezabelo zengxowa-mali isekwa ngalo lonke usuku lokuthengisa. Oku kwenziwa ngokongeza ixabiso lazo zonke ii-asethi ezikhoyo nokukhupha iindleko ezinxulumene nolawulo nokuphathwa kwengxowa-mali. Emva koko, ixabiso elikhokelayo lahlulwe ngenani leeyunithi zeemali okanye izabelo, ezaziwa njengexabiso leasethi okanye ixabiso leyunithi.

Ukuba into oyifunayo kukuthenga iiyunithi zengxowa mali, ungayenza ngalo naluphi na usuku lokurhweba olubiziweyo "thenga ixabiso", elingana nexabiso leasethi, kodwa ihlala ibandakanya ipremiyamu nayo.
Ukuba ufuna ukuthengisa iiyunithi zengxowa-mali yakho yotyalo-mali kwakhona, ungayenza ngalo naluphi na usuku lokurhweba kwi-denominated "Ixabiso lentlawulelo". Eli xabiso ngokubanzi lilingana nexabiso leasethi. Kwakhona kwezinye iimeko, inokubandakanya isaphulelo esincinci kwixabiso lilonke leasethi.

Izibonelelo zeemali zotyalo-mali

  • Indlela elula yokwenza utyalomali olwahlukeneyo.
  • Ilawulwa yingcali yezemali.
  • Bavumela abatyali mali ukuba bathathe inxaxheba kutyalo-mali olwahlukeneyo.

Ukutyala iintsomi

  • Utyalo-mali luthatha ixesha elide; Namhlanje, ilizwe lotyalo-mali lifikeleleka kuye wonke umntu. Ngoncedo lwetekhnoloji, ulwazi ludluliselwa phantse kwangoko, olunceda abatyali mali ukuba bazi ulwazi olutsha ngokukhawuleza xa kukho utshintsho. Utyalo-mali aluthathi xesha, ukuba ukrelekrele kuya kuba lula kakhulu ukwazi ukuba loluphi ulwazi olunokuba luncedo kuwe kwaye uya kuba nakho ukwenza imali ngokukhawuleza nangokulula.
  • Ukutyala imali kwimarike yemasheya kufana nongcakazo; utyalo-mali oluyimpumelelo alufani nomdlalo wamathuba. Utyalo-mali lumalunga nokulinganisa umngcipheko kunye nembuyekezo enokuza notyalo-mali kwiiasethi ezithile. Ukuba unezakhono zokuba ngumtyali mali olungileyo, unokuqikelela ngokulula iziphumo, ngokusekwe kwiindlela, iipateni, kunye nemithetho yokubonelela kunye nemfuno.
  • Ukuhlawula ingcali kubhetele kunokuzenzela izigqibo zakho zotyalo-mali; Abantu abaninzi bahlawula isixa esikhulu semali ukuze imali yabo ilawulwe ngumtyali mali oqeqeshiweyo. Eyona ngxaki iphambili kukuba ayingabo bonke abatyali mali abaziingcali abaphumeleleyo kwinkonzo yabo, ngelixa behlawulwa ngemizamo yabo.

Unesona sixhobo sinamandla sikhona: i-intanethi. Ngoku kulula ukuba uzifundise ngoncedo lwe-intanethi ukulawula imali yakho ngendlela engcono, nangcono kunendlela yobungcali.

  • Ukutyala ngokwakho kukonyusa umngcipheko; Oku kunokuba yinyani, ukuba awunayo imfundo eyimfuneko yokutyala ngokwakho. Ukulinganisa umngcipheko kunye nethuba, kuya kufuneka ubenakho ukwenza kunye nokuphumeza isicwangciso sotyalo-mali. Ngoqeqesho olufanelekileyo, abatyali mali bangawunciphisa umngcipheko ngokukhusela imbuyekezo.
  • Ukutyala imali kulula njengokwazi ukuba zeziphi izitokhwe oza kuzithenga, ewe kubalulekile ukuba wazi ukuba zeziphi izitokhwe oza kuzithenga, kodwa ayisiyiyo kuphela kwento efunekayo ukutyala imali ngempumelelo. Into ebaluleke kakhulu kukwazi ukuba uyithengisa nini isitokhwe.
    Utyalo-mali lufuna ubukrelekrele kunye nemfundo, kodwa khumbula ukuba ukuba ngumtyali-mali akufuni buchule.

Isiphelo

Njengoko ubona, Ukusebenzisana kwemali kusekelwe kwimigaqo esisiseko kwaye zibonelela ngokufikelela ngokulula nangobuchule kwiintlobo ngeentlobo zeeasethi.

Ngokubanzi, unokutyala imali kwi Thenga izitokhwe, iibhondi, izindlu nomhlaba, okanye ezinye izinto zexabiso ngokuthe ngqo kumthengisi webhanki, kumphathi weeasethi okanye kwiarhente yokuthengiswa kwezindlu. Ungazithenga ngokungathanga ngqo, ngokusebenzisa ingxowa mali, eyindlela eyaziwayo esetyenziswa zizigidi zabatyali mali namhlanje.

Sijongene nohlengahlengiso lwerhafu, olusenza sithandabuze malunga nendlela ezabiwe ngayo iinzuzo ezinkulu, ezenziwa ngeemali zotyalo-mali kwingxelo yengeniso. Ndiyathemba ukuba eli nqaku likuncedile ukuba uqonde ngakumbi malunga ukurhafiswa kwengxowa mali.


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