Izabelo zamashishini zibandakanya uthotho lwee izimvo ezingazalisekiswanga kuzo zonke iimeko. Ukuza kuthi ga kwinqanaba lokuba babe ngamabinzana aqhekeziweyo akhoyo kwingxoxo yabatyali mali abancinci nabaphakathi. Kuya kufuneka uyazi ezi zihloko zinomdla wokumisela zeziphi iimeko ezinokuthi zibe yinyani nalapho zidibana khona rhoqo. Inxalenye elungileyo yala mabinzana ngokuqinisekileyo uyabazi, kodwa abanye banokumela into entsha ukusukela ngoku.
Kungenxa yokuba kwihlabathi lezabelo yinto enkulu kakhulu ukuba ungamele uyibhidanise nolunye uhlobo lohlalutyo olungqinisisiweyo okanye olungaphantsi. Zizihloko ezithi ichaphazele ubude bokuhlalaIzixa-mali ekufuneka uzabele kunye nexabiso elifanelekileyo lesitokhwe ukuze ungene kwisivumelwano. Yonke into iya kudlala xa kufikwa ekwenzeni imali inzuzo. Nokuba ungacacisa okanye ucwangcise amabinzana ngaphakathi kwisichazi-magama kubudlelwane bakho nehlabathi elinzima lemali. Ewe kunjalo, awufanele ulujongele phantsi lo mbandela kancinane kude kwizicwangciso ezinxulumene notyalo-mali.
Nokuba yeyiphi na imeko, iya kukunceda yazi ngakumbi malunga nesayikholoji oko kubandakanya ingeniso eyahlukileyo. Nokuba unokwenza iimpazamo ezimbalwa kunangoku. Kungenxa yokuba, inokuba yiparameter ebalaseleyo kuwe yokwandisa yonke imisebenzi yakho kwiimarike zezemali. Ayisiyiyo kuphela kwimarike yemasheya, kodwa nakwezinye iindlela ezizezinye, ezinje ngeemarike zorhwebo, iintsimbi ezixabisekileyo okanye iibhondi ezihlanganisiweyo. Akukho zikhetho zokusebenzisa olu hlobo lwesihloko sikhethekileyo kulwimi lwakho oluqhelekileyo.
Izihloko: uhlala uphumelela kwimarike yemasheya
Nangona kuyinto eqhelekileyo ukuba kumaxesha amade le meko izalisekisiwe, ayingomgaqo jikelele ukuba uphumelele kuyo yonke imisebenzi yakho kwiimarike zezabelo. Kuba yingxowa nje kwaye ke nantoni na enokwenzeka. Phumelela okanye ulahlekelwe kuxhomekeke kwindaleko yeemarike zezemali kumzuzu omiselweyo. Ewe kunjalo, yinto engalindelekanga kwaye ixhomekeke kwizinto ezininzi. Ke ngoko akufuneki ulwamkele kakhulu olu hlobo lwezimvo kwizangqa zezemali. Ubuncinci ngokujikeleza ngokufanelekileyo.
Imali eninzi iyafuneka kutyalo-mali
Kule meko, le meko ayizalisekanga nayo. Kungenxa yokuba ungathatha izikhundla kwizabelo ukusuka ngaphantsi kwe-100 euro. Nangona intsebenzo oya kuyifumana iya kuba yexabiso elingenakuthelekiswa nanto. Ukuba ufuna ukwenza iinzuzo ezinkulu, awuzukukhetha ngaphandle kokubonelela ngemali eyimali enzima kakhulu. Iya kuba sesinye sezitshixo ukuze uphile kwimarike yemasheya ukusukela ngoku. Kungenxa yokuba abatyali mali ngesiqhelo bakhetha ixabiso eliyinyani xa kuziwa kwisixa sabo. Kodwa ngaphandle kokuba yimfuno ekhethekileyo ukuze uvule izikhundla kulo naluphi na ukhuseleko lwezemali.
Umngcipheko omkhulu kukuphulukana nayo yonke into
Into enzulu kakhulu kufuneka yenzekile yokuba ushiye yonke iminikelo yakho yemali ekusebenzeni kwezi mpawu. Akumangalisi ukuba, akunakwenzeka ukuba ibhalansi yakho yehle iye kwi-zero. Kuphela ukuba iinkampani ziyeke ukudweliswa kwimarike yemasheya oya kuthi uphulukane nemali oyityalile kwezi ntshukumo. Kwimeko nayiphi na into, isikhwama ithwala imingcipheko emininzi ekusebenzeni kwakho, apho ungashiya khona i-euro eninzi endleleni, kodwa kungekhona yonke into. Ngale ndlela, yinto ekufuneka uyithathele ingqalelo xa ucwangcisa utyalo-mali lwakho kolu hlobo lweemarike zezemali.
Ngapha koko, kukho eminye imizekelo kwimeko enjalo enokuthi iphakanyiswe ngamanye amaxesha. Nangona ngendlela ethe ngqo ngakumbi kunayo nayiphi na enye into. Omnye wemizekelo efanelekileyo yile yenzekileyo kubanini zabelo Banco Popular balahlekelwe yiyo yonke imali abayityalileyo. Kodwa ayisiyonto ihlala ikhula kwiimarike zemali. Yinduduzo encinci oza kuyifumana xa izinto zingenzeki njengoko ubucebe kwasekuqaleni.
Imarike yemasheya yenza ukubuya okungaguqukiyo
Ngabatyalomali kuphela abangazi nto okanye abanolwazi oluncinci abanokuthi ngesihloko sezi mpawu. Kuba kwizabelo akukho mbuyekezo imiselweyo yalo naluphi na uhlobo okanye aqinisekisiwe. Ngaphandle kokuba ujonge izabelo ezilawulwa yile nto. Kungenxa yokuba ukuba uza kwenza imali oyigcinayo izuze inzuzo ukusukela ngoku, kuya kufuneka uyazi ukuba akukho nqanaba lenzala eliqinisekileyo. Ungaze kwaye naphantsi kwayo nayiphi na indlela yendlela yotyalo-mali. Imalunga nomvuzo omiselweyo apho kukho intlawulo esisigxina phantse kuzo zonke iimveliso zezemali. Kuya kufuneka uhlukanise zombini iimodeli kutyalo-mali ukuze usebenzise esinye okanye esinye isicwangciso.
Yenzelwe zonke iiprofayili
Yimpazamo enkulu evela kolu bungqina. Ukuya kwinqanaba lokuba inokukulahlekisa xa ukhetha eyona mveliso intle yokwenza ulondolozo lube nenzuzo. Kungenxa yokuba uyayithanda okanye ayithandi, ibhegi yenzelwe abatyali mali abanoburhalarhume. Kwaye phakathi kwemeko zabo abakwimeko apho banokuthatha khona ilahleko evulekileyo yokusebenza ibandakanya kwezi marike zezimali. Ukongeza, ukusebenza kwimarike yemasheya kufuneka ukubonelela ngenkcubeko enkulu yezemali Ngaphandle kwezinye iimveliso zemali. Into engenzekiyo kuninzi lwabasindisi abalingwa ukuba bavule izikhundla kwiimarike ze-equity. Akumangalisi ukuba yenye yezona mpazamo ziqhelekileyo zenziwa ngabantu kwaye zinokuhlawulwa ngokusebenza gwenxa.
Kusoloko kulixesha lokuthenga
Ngokobuchwephesha, esi sihloko sinokuba nento yokwenza nayo. Kodwa akufuneki isetyenziswe phantse ngalo naliphi na ixesha kuba inokuvelisa ngaphezulu kwesinye ingxaki kwimisebenzi eyenziweyo. Ngokuchasene noko, kuya kuba kubaluleke kakhulu ukuba ulungisa usukelo ukumisela ukuba ngawaphi amanqanaba amaxabiso ekufuneka ulungelelanise ukuthengwa kwimarike yemasheya. Kuba, eneneni, elinye lamaqhosha entengiselwano elungileyo kukuhlengahlengisa amaxabiso entengiso. Kwaye ukuba kunokwenzeka nakwiintengiso. Ke ukusebenza kweempahla zakho yeyona nto ifanelekileyo kwaye ungazihambisa kwi-akhawunti yakho yokutshekisha. Kungenxa yoko le nto kungafuneki ukuba ufumane izabelo ngalo naliphi na ixabiso kuba imisebenzi iya kuba ngaphezulu ngendleko yokusilela.
Yenza uzinzo oluninzi
Nangona le meko inokwenzeka, ayisiyiyo imeko ethe gabalala kwezi marike zezimali. Kungenxa yokuba kwintengiso yesitokhwe ukungazinzi kwixabiso lezabelo yinto ehlala ihleli kwindawo elungileyo yeeseshoni zokurhweba. Kodwa ngokubanzi umahluko ophuphileyo wokunikezela phakathi kwamaxabiso aphezulu kunye neyona incinci uxabisekile. Ngemida edla ngokudlula kwisithintelo esi-2%. Ukuba into oyifunayo kukuzinza kwemali yakho, ewe, ibhegi ayisiyoyona mveliso intle onokuyikhetha. Nangona kukho amaxesha anoxolo olukhulu kunye nokungafani okuncinci kakhulu kwiinguqu. Ukuza kuthi ga kwinqanaba lokuba ukhethe ezinye iimodeli zotyalo-mali ezingafunekiyo. Umzekelo, imali yotyalo-mali esekwe kwii-equity okanye kwezo zidwelisiweyo. Akumangalisi ukuba uya kuba kwimeko engcono yokubalawula nanini na.
Umvuzo mkhulu kakhulu
Ewe le ndlela ayisiyonyani kwaphela. Kungenxa yokuba, inokubanzi kodwa incinci okanye ilahle imali ekusebenzeni. Hayi ngelize, yonke into kuya kuxhomekeka kwizinto ezininzi kuba akukho mthetho umiselweyo ukuze wazi ubungakanani beenzuzo. Kwimarike yemasheya yinto engalindelekanga ngokupheleleyo kwaye akunakubona kwangaphambili. Yenye yezinto ezinomtsalane zale mveliso yezemali nalapho abantu abaninzi bekhetha ukuhamba kwabo. Ke ngoko, sisihloko esingakulungelanga kakhulu ukusisebenzisa, kungasasithatheli ngoyaba ukusukela ngoku.
Njengoko sele ubonile, awunyanzelekanga ukuba wenze zonke iintlobo zezimvo eziveliswa kwiimarike zezemali. Ukuya kwinqanaba lokuba kuya kufuneka ukhethe kakhulu malunga nokuzifunda. Kuba awungekhe ulibale ukuba ngaxa lithile banako ikwenzakalise kwimidla yakho. Ekupheleni kosuku, yile nto imalunga nayo kwaye ngekhe ushiye ukusebenza uye kuphuculo. Ewe kunjalo, kuncinci kumagqabantshintshi okanye kwizihloko ezivela kwabanye abantu abanomdla kwiimarike zezemali.
Kubaluleke kakhulu ukuba uyithathele ingqalelo into yokuba ezi ntlobo zemisebenzi zilawulwa ziindlela ezithile kunye nezo zisilela ngazo kwezinye iimveliso zezemali. Kungenxa yokuba nasiphi na isiganeko esinokuthi sikhule sinokuzonakalisa iindlela zotyalo-mali ezisetyenzisiweyo. Awungekhe ulibale nangaliphi na ixesha ukuba ufuna uqeqesho kwiindlela zakho zokwenza ngononophelo olukhulu kwizenzo zakho.
Nangona kunjalo, banokuba luncedo kuwe ekucwangciseni elinye iqhinga elingaqhelekanga. Kuba ngale ndlela, inokukunika umkhondo ongaqhelekanga malunga nemeko yokwenyani okanye engaphantsi yokwenene okanye uvakalelo lweemarike zezemali. Kodwa okoko nje uzisebenzisa ngononophelo olukhulu.