Ngaba iidipozithi zexesha elide zikufanele?

Enye yeemveliso zokonga ngokugqwesa ziidipozithi zebhanki zexesha elide. Kodwa banxamnye nabo okwangoku inzuzo yabo ephantsi. Ngomdla kulondolozo hayi ngaphezulu kwe-1%, nangona ikhululwe kwiikhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo. Apho elinye lamaqhinga okuphucula imbuyekezo yakho lisekwe kulwakhiwo lwezinto ezibhekiswe kwixesha elide elivelisa ukuba kufuneka ubenemali enganyanzelekanga iinyanga ezininzi, mhlawumbi zininzi kakhulu kubasindisi abaninzi.

Kuzo naziphi na iimeko, olu didi lweemveliso zokonga lunokufumana ikhontrakthi yexesha eliphakathi eliphakathi kweminyaka emi-3 ukuya kwe-6, apho kungafakwa iidipozithi ezinomdla okhulayo, zilungelelaniswe okanye zibhekiswe kwisalathiso sesitokhwe, ubuncinci obuphakathi 1.000 kunye nama-10.000 euros, iphezulu kunaleyo yezinye iimveliso zokugcina izinto kumagama asezantsi. Ngamanye amaxesha, ngokubanakho ukurhoxisa kwangaphambili ngaphandle kokuba bohlwaywa ngeekhomishini ezinokufikelela kwi-3%.

Eyona ndlela iqhelekileyo yokuthengisa olu hlobo lweemveliso zezemali kukusebenzisa inzala eyandayo, ethi njengoko imiqathango iseyinde inzuzo ibenomtsalane ngakumbi, nangona kwipesenti ingabambeki kakhulu kwiminqweno yomrhumi, malunga neepesenti ezintathu. Phi akukho fomathi intsha njengakwezinye iiklasi zexesha elifutshane kwiidiphozithi zabo. Kwaye kuwo onke amatyala kuya kufuneka kutsalwe kwinzuzo enikezelwa zezi mveliso kulondolozo lwabucala.

Iidipozithi zexesha elide: unyuselo

Kwiidipozithi zexesha elide, akukho zonyuselo okanye izibonelelo ezamkelekileyo ezijolise kakhulu kubasebenzisi bebhanki, nangona ngokuchaseneyo, amaqondo enzala asezantsi awaphakamanga kakhulu. Apho, kwiimeko ezininzi, yonke imali efakiweyo iqinisekisiwe, eyokhuseleko kunye nabasindisi kula maxesha anzima. Kodwa ke, le ayisiyondlela ixhaphakileyo kule klasi yeemveliso zebhanki. Ukuba akunjalo, ngokuchaseneyo, zizicwangciso ezithile ibekwe ngamaziko emboleko ukuze afake ukonga kwabathengi. Ukubonelela ngeemeko ezingcono ekuqeshweni kwabo ngenzuzo engcono ebanelisa ngeziqingatha ezimbalwa ngaphezulu komvuzo.

Ngelixa kwelinye icala, kufuneka kuboniswe ukuba le mveliso kunyuselo ayinakuhlaziywa ngabanini bayo. Ngamanye amagama, akukho thuba lokuqhubeka nale mida yokungenelela ebekwe kuthi ngamaziko aphambili etyala aphethe urhwebo lwawo. Ngenqanaba lenzala elihlala lihamba phakathi kwe 1,50% kunye ne-2,50%, kwaye ngaphandle kokubanakho ukurhoxisa kwangaphambili. Apho kuyakuba yimfuneko ukuhlalutya ukuba ingaba ukwenziwa kwayo ngokusesikweni kufanelekile ukusukela ngoku.

Imiqathango yokuhlala

Olunye lweempawu zezi dipozithi zebhanki kukuba imigaqo yazo iphezulu kakhulu kwaye ihamba kuluhlu olusuka kuyo Iinyanga ezi-24 ukuya kwezi-56. Ngamanye amagama, kuthatha ixesha elide kuthi ukulawula eli nxalenye lokonga kwethu ngokungafaniyo neerhafu zesintu okanye eziqhelekileyo. Ukusuka kolu luvo, kuya kufuneka kuqatshelwe ukuba zigcinelwe iprofayile echazwe kakuhle emelwe ngabasindisi abancinci. Njengento yokuba yenye yezona mveliso zakha zadlula esinokuthi sizithengise okwangoku kwaye nakweyiphi na imeko zifane kakhulu kule nkalo ngemali yotyalo mali.

Enye into ekufuneka siyivavanyile kunye needipozithi zezi mpawu kukuba zinokwenziwa ngokusesikweni kwi-Intanethi. Ukuze ngale ndlela, sikwimeko yokuphucula inzuzo ngenxalenye yeshumi yepesenti kwaye njengomphelelisi kwesi sibonelelo sokonga umntu ngamnye. Ukuza kuthi ga kwinqanaba lokuba isithintelo se-1% sinokoyiswa kunye nokwanela kwixabiso elincinci ukusuka kwi-1.000 euro ngesivumelwano. Ngelixa kwelinye icala, ikhontrakthi ekwi-Intanethi ivumela ukuthelekisa okungcono phakathi kokumiselwa kwezi mpawu. Ngokuthuthuzela okukhulu ukusuka ekhaya okanye kwenye indawo kwaye nangaliphi na ixesha losuku, nokuba kusebusuku okanye ngeempelaveki.

Ukuqhubeka kwenzuzo

Ukuba iidipozithi zexesha elide zibonakaliswa ngento ethile, kungenxa yokuba umvuzo wabo usekwe kwimigaqo ekhethiweyo. Njengokuba ezi zinde, kokukhona inyusa izinga lenzala elisetyenziswa ngamaziko emboleko yekhredithi kwaye ngokuqhubekayo ukuya kuthi ga kumaxesha aphezulu okusisigxina. Kwamanye amanyathelo ahambayo ukusuka kwi-0,1% ukuya kwi-0,5% phantse kwaye ezinokuba ziifilitha zokukhetha ezi mveliso zokonga. Ukuze ekupheleni kosuku sikwazi ukugqitha kwimida yokuqala yokungenelela, eyenye yeenjongo zethu eziphambili.

Kufuneka kuqatshelwe ukuba iidipozithi zexesha elide azinakuze zenze mbuyekezo. Ukuba akunjalo, ngokuchaseneyo, bahamba kwinqanaba eliphantsi kakhulu lomvuzo ngenxa yexabiso eliphantsi lemali. Akunakulityalwa ukuba oku okwangoku kuku-0% kwaye yeyona nto ibangela ukuba iidipozithi zexesha elide zingabi nengeniso njengoko uninzi lwabasindisi abancinci nabaphakathi belindelekile kolu luhlu lweemveliso zebhanki. Ngokuhambelana naleyo yezinye iimodeli ezineempawu ezifanayo, njengoko kunokubonwa ngalo mzuzu ngokunikezelwa kwebhanki yangoku.

Amabhanki ayanikela

Amaziko emboleko akakhange asityeshele esi sibonelelo kwaye aseke isindululo esibanzi kwiidipozithi zexesha elide. Ngale ndlela, kufanele ukuba kuqatshelwe ukuba ezi azinamtsalane kunangaphambili kwaye ukuphuculwa kwazo kunciphile kwaye kunqabile. Apho abakhoyo nakweyiphi na imeko, Unxibelelwano nezinye iiasethi zemali, ngokubanzi zivela kwiimarike ze-equity kwaye ngakumbi kukhetho lwentengiso yesitokhwe. Kwelinye icala, kuzo zonke iimeko, iidipozithi zexesha elide zifikelela kwimida yenzuzo yezinye iindlela ebezisebenzisa ezi modeli zotyalo mali.

Ikwanomdla kakhulu kukuba iidipozithi zexesha elide azenzelwanga ukugcina yonke imali egcinwe ngabasebenzisi. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka bonisa kwangaphambili iindleko eziza kujongana nazo kwiinyanga ezimbalwa okanye iminyaka elandelayo. Ukuhlawulwa kwamatyala asekhaya, uxanduva lwerhafu okanye ukuhlawulwa kwesikolo sabantwana abancinci. Kuyo nayiphi na imeko, akusayi kubakho khetho ngaphandle kokuhlalutya ukuba loluphi uhlahlo-lwabiwo mali esinalo ukusukela ngoku ukuya phambili ukuveza imali ekufuneka siyabele kwiidipozithi zexesha elide.

Ngokunjalo, kukwabaluleke kakhulu ukuba ezi dipozithi zexesha ziyindlela yokudala unaniselwano oluzinzileyo lokonga ixesha eliphakathi kwaye ingakumbi ixesha elide. Apho abasebenzisi banokugcina khona ukonga kwabo kwaye bafumane isibonelelo esincinci kwezi ntshukumo zemali. Njengokungafaniyo okuncinci kokuziqhelanisa neemodeli ezintsha kurhwebo kunye nokushiya ifomathi ebonakaliswa kukuma kakhulu kwiindawo ezahlukeneyo zokujonga abasebenzisi. Akukho nto imangalisayo kwezi meko zabo kubhaliso kwaye oku kuyenza iqikeleleke kubo bonke abagcini kwilizwe lethu. Ukufikelela kwisigqibo sokuba akunakufaneleka ukwenziwa ngokusesikweni ngenxa yokulingana okubonisayo phakathi kwenzuzo kunye nexesha ekufuneka ipakishwe ngalo imali de ikhule.

Akhawunti yeDiphozithi ekhuselekileyo

Olu hlobo lwemveliso yezemali lwahluke ngokusisiseko kuba lunokubhaliswa ukusuka kumyinge ophantsi wenyanga ofikelelekayo kumakhaya, malunga nee-euro ezingama-100 malunga. Kwaye eyinkunzi ephakathi okanye yexesha elide eyenziweyo evumela umnini wayo ukuba aqokelele ukonga ixesha elizayo kunye nenzala ayivelisayo. Ngumxube ke ngoko phakathi kweakhawunti kunye nediphozithi ngokwesiqhelo, kungoko igama layo, elinobuncinci bexesha ubuncinci iminyaka emihlanuNangona umnini efuna ukubhatala imali ngayo nayiphi na imeko, unokwenza intlawulelo epheleleyo okanye engaphelelanga emva kweenyanga ezintandathu ekuqeshweni.

Ikwanesiqinisekiso sokuba uyakuhlala ufumana kwakhona, ubuncinci, i-100% yemali ebonelelwe kutyalo-mali olwenziwe, olongeza ukhuseleko kunye nokusebenza kwakho. Yenziwe njengenye yeendlela ezicacileyo zotyalo-mali lwemveli kwiidipozithi zebhanki zexesha elimiselweyo, nangona ziphantsi kwemeko ezahlukeneyo zekhontrakthi. Ukuba yenye yezona mveliso zingaziwayo ngabasebenzisi besitokhwe okwangoku. Ngenzuzo ethi, njengezinye iimveliso zezezimali, ingathandeki kwimidla yabantu. Ngale ndlela, ayinakulityalwa ukuba ixabiso lemali ngoku likwi-0%, kwizinga eliphantsi lembali.


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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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