Amaqhinga okuphucula ukusebenza kokumiselwa

Enye yeendlela zokuzinzisa ukonga abantu abangafuniyo ukutyala imali kwiimarike zezabelo kukugcina ixesha kwiibhanki. Yimveliso ejolise ekongeni imali eqinisekisa imbuyekezo ethembekileyo neqinisekileyo ngonyaka. Nangona unomdla obuthathaka kakhulu ohamba ngemfoloko ukusuka kwi-0,10% ukuya kwi-1%. Ngenxa yexabiso eliphantsi lemali kwindawo ye-euro kwaye oko kukhokelele kwimida yokungenelela engonelisiyo kwimidla yabatyali-mali.

Ewe, le mveliso yemali kulula ukuyiqonda ngazo zonke iiprofayili zomsebenzisi. Ukubanakho ukwenza ikhontrakthi kwixabiso elifikelelekayo kakhulu kuyo yonke imizi ukusuka igalelo elivela kwi-100 euro. Ngokuqokelelwa kwenzala ekukhuleni kwaye ngaphandle kwembuyekezo embi ngalo naliphi na ixesha ngenxa yeemeko ezahlukeneyo kuqoqosho lwamanye amazwe.

Ngelixa kwelinye icala, kubalulekile ukubonisa ukuba iidipozithi zebhanki ziyayibona inzuzo yabo iphucuka ngeendlela ezahlukeneyo zokufezekisa ezi njongo. Zisusela ku utshintsho kwixesha lokuhlala Ukuzibandakanya nokunyaniseka okukhulu kumashishini ebhanki ajongene nentengiso yale mveliso yebhanki. Umzekelo, ezo siza kukucacisela kuzo ukusukela ngoku. Apho unokufumana khona umbono ongaphezulu kwesinye ukwenza ukonga kunenzuzo ngeyona ndlela ibhetele.

Iziphumo: zandiswe ixesha elibekiweyo

Eyona ndlela ilula yokufezekisa ezi njongo kukwandisa imigaqo yokusisigxina. Ngale ndlela unokufumana izishumi ezimbalwa ngaphezulu kumaxabiso okuqala. Nangona kungeloncedo olukhulu oluya kuba nemali emisiwe ixesha elininzi. Namaxesha abekiweyo ahambayo ukusuka kwiminyaka emibini ukuya kwemine. Yindlela yotyalo-mali engenazikhomishini kwaphela kunye nezinye iindleko kulawulo nakulondolozo lwayo. Ngokungafaniyo nokuphuma kubulungisa, njengokuthenga kunye nokuthengisa izabelo kwimarike yemasheya.

Kwelinye icala, esi sicwangciso sikunceda kwinjongo yakho yokwenza utshintsho oluzinzileyo nolusisigxina lokonga ixesha eliphakathi nelide. Ukuze ukwazi ukonga imali ngendlela ezinzileyo nangaphezulu kwayo yonke indlela ekhuselekileyo. Nokuba kwenzeka ntoni kwiimarike zezabelo. Ngokuqinisekileyo lutyalomali olungenamngcipheko kwizikhundla zakho. Ngokukodwa, kwimeko yokungazinzi okuthile kwiimarike zezemali, kulapho iimeko ezinqweneleka kakhulu kubatyali mali abancinci nabaphakathi.

Thatha ithuba lokubonelelwa kwiibhanki

Alithandabuzeki elokuba esi sicwangciso sotyalo-mali sesinye sezona zinempumelelo kakhulu ekufezekiseni ezi njongo. Ayothusi into yokuba kuqheleke kakhulu ukuba iibhanki zisungule ukukhushulwa okwahlukileyo kwintengiso yezi dipozithi zekota. Kungenxa yokuba baphucula inzuzo ukuya kuthi ga 2% amanqanaba. Ngamanye amagama, ngomahluko obanzi ngokwemivuzo enikezelwa zezi mveliso zebhanki. Nangona kwelinye icala, zifuna ukuthembeka okukhulu kubathengi.

Olu didi lweedipozithi zebhanki zibonakaliswe yinto yokuba zibakhona ngexesha elifutshane kakhulu lokusisigxina. Malunga neenyanga ezi-3 ne-6 kwaye ke oko akuvumeli ukwenziwa kwale mveliso. Njengokuba ingahlawuli yonke imali, kodwa ibhalansi elinganiselweyo kwaye ikwathintelwe kwinkunzi entsha okanye abathengi bamanye amaziko emali. Ngelixa kwelinye icala, ziyimveliso ezingavuselelekiyo, kodwa ngokuchaseneyo, ziyaphela xa ziphelelwa lixesha. Hayi lilize, xa unikezela ngamashishini ebhanki akukho maninzi amathuba okwandisa imigaqo esisigxina.

Yidibanise nenye i-asethi yemali

Ewe kunjalo, elinye lawona macebo mabukhali kukubopha idiphozithi kwimpahla yexabiso ethathwe kwiimarike zezabelo. Ikwanomdla kakhulu kukuba le mveliso yemali ivumelekile Qinisekisa ubuncinci benzuzo nokuba kwenzeka ntoni kwimeko yezemali. Apho ukunyuka kwenqanaba lenzala kufutshane neepesenti ezine kunokuthi kufikelelwe, ngokuxhomekeke ekubeni ubuncinci bemiqathango kuhlangatyezwana nazo kwii-asethi ezinxulumene nezi dipozithi zexesha elimiselweyo.

Kufuneka kugxininiswe ukuba ezi asethi zemali zinokuba zezendidi ezahlukeneyo. Umzekelo, izabelo kwimarike yemasheya, imali yotyalo-mali, izinto ezingasetyenziswanga okanye i-euro ngokwayo. Kwelinye icala, kufuneka kucaciswe ukuba ezi dipozithi zinexesha elide zisisigxina kunezinye iidipozithi eziqhelekileyo. Ngexesha eliqhele ukwenzeka Uluhlu phakathi kweminyaka emi-3 ukuya kwemi-4. Kwaye ngokufuna okukhulu ngakumbi igalelo lemali. Ngokubanzi ukusuka kwi-10.000 euros kwaye ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwayo okanye kulondolozo.

Ukuqeshwa kwi-Intanethi

Esi sesinye isisombululo esilula ukuphucula ukusebenza kwezi mveliso zebhanki. Nangona baphantsi komda wolwazelelo othobekileyo kunakwamanye amacebo esiwacebisileyo. Kodwa njengethuba lokuba ungabenza ngokusemthethweni kamnandi ekhaya okanye enye indawo kwaye yintoni ebaluleke nangaliphi na ixesha losuku nangeempelaveki. Ukuze ngale ndlela ukwazi ukuphucula ibhalansi yeakhawunti yakho yokonga ngaphandle komzamo omkhulu kwicala lakho. Ngendlela yokunyanzelwa ekufuneka ithathelwe ingqalelo njengesiqhelo kwaye ngaphandle kokunxibelelana nezinye iiasethi zemali.

Ngelixa kwelinye icala, unokuba nendawo ebanzi ubhetyebhetye ngokubhekisele kwimigaqo yokuhlala. Ukusuka kwiintsuku nje ezimbalwa ukuya kwiminyaka eliqela ngokuxhomekeke kwiimfuno zakho kuqoqosho lwasekhaya. Apho ngaphezu kwako konke kunika ukhuseleko olupheleleyo ngokubhekisele kwimfezeko yegalelo lakho lemali ngalo lonke ixesha kwaye nantoni na eyenzekayo kuqoqosho. Ngelixa ikwayimveliso yokubhankisha eyamkela kakhulu ukufumana imida yokulamla kwimidla yakho.

Umvuzo ohlawulelwayo wasekhaya

Enye into engenye yinto elula njengoko inesiqhamo, njengokubeka umvuzo okanye umvuzo oqhelekileyo ovela kubasebenzi abaziqeshileyo ebhankini. Eli nyathelo livuzwa kwiidipozithi zebhanki zexesha elide kuba ziyavuma ukuphucula kakhulu inzala zale mveliso zigcinwa. Nangona kubalulekile ukugcina ukuthembeka okukhulu kumaziko emali. Ukuze ngale ndlela, iimeko kuthengiso lwemveliso ngokwayo zinokuphuculwa. Ukuze ngale ndlela, abanini bayo babone umda omkhulu wenzuzo kwimali eseleyo yeakhawunti yabo.

Kwelinye icala, akubalulekanga kangako ukugxininisa inyani yokuba ukuhlawulwa ngokuthe ngqo kwirhafu yokubhatala sisixhobo esongezelelweyo sokufumana ezinye iintengiso kwi ukwenza ikontraki iimveliso zebhanki. Phakathi kwabo, iimali mboleko zabathengi, izicwangciso zepenshini okanye iinkqubo zokonga, phakathi kwezinye zezona zinto zibalulekileyo zesithembiso esikhoyo sebhanki. Ngeebhonasi okanye izaphulelo ezibonakalayo kwimida yangaphakathi yokungenelela ebekwe ngamaziko emboleko. Inkuthazo yabathengi abaziintloko zebhanki ukuba banomdla kwesi sicwangciso kulawulo lwale nkonzo.

Amabango kulawulo

Kwelinye icala, kufanele ukuba kukhunjulwe ukuba iibhanki ziphuhlisa ezona ndlela zibalaseleyo zokubonisa ukuba yeyiphi eyona dipozithi ilungileyo kunye neyona inikezelayo ngeniso e phezulu. Ibango abalisebenzisayo ukufaka imali yabathengi bokhuphiswano. Ekuboneni kuqala, kunokuba sisiqabu kubasebenzisi ukubona ukuba banokufumana izibonelelo ngakumbi kwinkunzi yabo ebekiweyo. Kodwa kulunge kakhulu ukuhlalutya ezi ntengiso ukuze ubone ukuba kufanelekile na ukutshintsha iibhanki kuphela kwimveliso enobomi phakathi kweenyanga ezi-6 ukuya kwezi-12 ubukhulu becala. Kuba ayizizo zonke iimeko apho kuya kubakho imfuneko yokwamkela ezi zindululo zokonga.

Umzekelo, irhafu yenyanga yesiqhelo ye-1,00% iya kubonelela nge-10 kuphela ye-euro. Kuya kuba yimfuneko ukujonga ukuba kufanelekile na ukukhetha ezi fomathi ze ibhaso elincinci kangaka malunga nomvuzo onikwe umsebenzisi webhanki. Kuba enyanisweni, kwinxalenye elungileyo yeemeko impendulo iya kuthi icace gca ngokubhekisele kukhuseleko lomdla wethu njengomsebenzisi webhanki. Enye into eyahluke mpela kukuba ezi mveliso zezezimali zinokubonelela ngenqanaba eliphezulu lenzala, ukuya kuthi ga kwi-2%, eya kuthi ibonise intlawulo yenyanga yesi sixa sinye sanelisa kakhulu wonke umntu.

Kuba asinakulibala nangayiphi na indlela ukuba ezi fomathi zokonga zijolise kubaxumi abatsha okanye imali evela kwamanye amaziko. Ukuba nangayiphi na indlela, lolunye ukhetho olunokubakho olunokubakho kubasebenzisi ukwandisa inzuzo yezi mveliso. Nangona kukho ingxaki enkulu yokuba ixesha lokuhlala ngokusisigxina lilinganiselwe, phakathi kweenyanga ezi-1 ukuya kwezi-6, ezivelisa ukuba inzuzo efunyenwe kula maxesha obhaliso ayimangalisi kwaphela nangona umda wayo uphezulu usondele kwi-100.000 euros. Kwenye indlela entsha banikezela ngolu hlobo lokumiselwa.


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