Kukho amaxesha apho ungenayo imali eyoneleyo yento oyithandayo. Okanye ukuya kwenye indawo. Okanye funda. Kulapho ulinganisa khona umbono wemali mboleko yomntu ekunceda ukuba uzalisekise into oyifunayo. Kodwa ngaba licebo elilungileyo ngokwenene elo?
Namhlanje sifuna ukuthetha nawe malunga yintoni imali-mboleko yakhoIimpawu ezichaza oko, iimfuno zokuzicela kunye neengcebiso ngaphambi kwayo.
Yintoni imali-mboleko yomntu
Imali-mboleko yobuqu ibhekisa kwi isivumelwano esisityikityileyo neziko lezemali (ibhanki) esithembisa ngayo ukuba, endaweni yokusinika isixa semali X, siya kuyibuyisa inyanga nenyanga ngentlawulo, ukongeza kukhathalelo lwenzala kunye nenkcitho evela kuyo.
Ngamanye amagama, yindlela uboleke imali ebhankini, okanye emntwini, ukujolisa kuthi, oko kukuthi, ukuba imali isetyenziselwa into enxulumene nomntu (ukuthenga imoto, iiholide, njl.).
Iimpawu zemboleko-mali yakho
Phakathi kweempawu eziqhelekileyo zemboleko-mali onokuyifumana, njengowokuqala kubo, inyani yokuba isetyenziselwa izinto zabathengi kunye neenkonzo ikakhulu. Oko kukuthi, injongo yakho kukukhathalela indleko yento ofuna ukuyenza, nokuba kukuthenga into, ukuthatha uhambo, ukufunda, njl.
Ngoku, enye yeempawu zayo inento yokwenza nesixa sayo, kuba imali-mboleko yakho yesiqhelo ayiqhelekanga kakhulu. Ngapha koko, iibhanki zinomda wemali "onokuthi" ubolekise "ngemboleko yakho. Ukongeza, loo mntu, ngokucela le nkonzo, kufuneka phendula ngayo yonke impahla yakho, ngoku nakwixesha elizayo, kunye nokuzibophelela ekufezekiseni uxanduva olunalo. Zezi: ukubuyisa imali ebolekiweyo kuwe kwaye uhlawule inzala kunye neekhomishini ezichazwe kwisivumelwano.
Imali mboleko yakho ikwayile nto ithi unenzala ephezulu, okanye zibiza kakhulu Ngokubanzi kuba, kuba akukho asethi "iqinisekisa" imali ebolekisiweyo, enye yeendlela iibhanki ekufuneka ziqinisekise ukuba ingqokelela kukucela isixa esikhulu sentlawulo. Nangona kunjalo, ziyakhawuleza ukusebenza.
Ndingayifumana njani imali-mboleko yobuqu?
Ukuba, emva kokufunda konke oku kungentla, uthathe isigqibo sokufaka isicelo semali mboleko yakho, kuya kufuneka wazi ukuba zeziphi ezona zinto zixhaphakileyo eziza kufunwa yibhanki. Yikholwe okanye ungakholelwa, ukuba uhamba nawo onke amaxwebhu anokubakho, ungayikhawulezisa inkqubo kwaye, nangona kamva kufuneka bayifundile kwaye kunokwenzeka ukuba sukukuphendula kude kube ziiyure ezingama-24-48 kamva, okanye kwaneentsuku ezimbalwa kamva, kuhlala kungcono ukuba ulinde ukuqokelela idatha.
Oku kulandelayo:
- Yiba seminyakeni yobudala esemthethweni (ngekhe ukwazi ukucela imali mboleko yobuqu ukuba awungaphezulu kweminyaka eli-18).
- Yiba ne-DNI okanye iPasipoti engaphelelwanga xesha kwaye ibonisa ukuba uhlala eSpain.
- Yiba neakhawunti yebhanki eSpain, ngokufanelekileyo kwibhanki enye apho ucela khona imali mboleko yakho.
- Ukubonisa ukusombuluka kwezoqoqosho. Oku kufezekiswa ngerisithi yebhanki esebenza ukungqinisisa ukuba unomvuzo wamaxesha athile kwaye ke, uya kuba nakho ukuthatha uxanduva lokubuyisa imali abaza kukuboleka yona.
Kwezinye iimeko, banokucela ifoto ukubonisa ubungqina bakho.
Imali mboleko yomntu okanye ikhredithi
Imali mboleko yomntu kunye nekhredithi yobuqu zizinto ezimbini abaninzi abazithatha ngokufanayo, kodwa ngokuqinisekileyo akunjalo.
Xa usenza isicelo semali mboleko yakho, umbolekisi, oko kukuthi, lowo unemali kwaye akunike yona, akanako ukukunika yonke imali ngexesha elinye, kodwa uyenza njengoko uyidinga. Ke ngoko, inzala oyibhatalayo ayisiyiyo yonke imali oyicelileyo kwikhredithi, kodwa kuphela yinto oyisebenzisayo.
Umzekelo, cinga ukuba ucela imali-mboleko yobuqu ye-6000 euro. Nangona kunjalo, kweso sixa, uchitha kuphela i-3000 euro. Inzala oza kuyibuyisa kwelo tyala isekwe kwi-3000 euro, leyo uyichithileyo, hayi kwi-6000 oyicelileyo.
Kwelinye icala, kwimeko yemali mboleko yobuqu, isixa asinikwanga kube kanye kuphela, kodwa, nokuba awusebenzisi yonke, inzala ekuya kufuneka uyibuyise ibalwa iphelele.
Izinto ekufuneka uzigcine engqondweni ngaphambi kokucela imali mboleko
Phambi kokuba sigqibe, singathanda ukuthetha nawe malunga isigqibo sokucela imali mboleko okanye hayi. Into eqhelekileyo kukuba olu luvo luyalinganiswa kudala ngaphambi kokwenza isigqibo, kodwa ngamanye amaxesha zikhona iindlela zokufumana loo mali ngaphandle kokufaka ikhontrakthi nebhanki, ukongeza kwintlawulo yekhomishini kunye nomdla.
Kwaye yile, phakathi kwengcebiso esinokukunika yona yile:
Linganisa imbono yemali mboleko yakho
Kuxhomekeke kwisixa, kuya kufuneka uvavanye ukuba ikulungele na ukuba uyenze okanye kungcono ucinge ngezinye iindlela zokuxhasa ngemali, kunye nokuba yeyona nto ibalaseleyo onokuyenza.
Ngamanye amaxesha umnqweno wokuba nento, okanye ukwenza into ongakwaziyo kodwa ongaphaya kwayo unokufikelela, mininzi, kodwa iziphumo azithathelwa ngqalelo emva koko. Ke ngoko, kangangoko kunokwenzeka, kuya kufuneka ulixabisile umbono.
Ngaloo ngqiqo, Ngaba uyakwazi ukuhlawula inyanga mboleko ngenyanga ngokomrhumo? Ukuba ukufumanisa kunzima ukuziphilisa, ukufaka inkcitho entsha yenyanga kunokukuntywilisela ngakumbi, kwaye ukusilela kwimali mboleko kuya kubangela ukuba uhlawuliswe inzala engaphezulu okanye kuya kufuneka uhlawule ukulibaziseka, okunokubiza kakhulu .
Cinga ngezinye iindlela onokukhetha kuzo
Ngamanye amaxesha ukubuza umhlobo okanye ilungu losapho kunokunceda ukunqanda ukuhlawula iikhomishini okanye iindleko zokuqhubekeka okanye inzala, kodwa oku kufanele ukuba kucace gca ukuba kuyakufuneka ukubuyiselwa kwaye iimeko zokuyibuyisa kunokuvunyelwana ngazo ngasese naloo mntu.
Hlela kwakhona i-accounting yakho
Ngamanye amaxesha une Ukulungelelaniswa kwakhona kwengxelo, okanye ukudibana kwakhona kwetyala, ungayisombulula ingxaki obucinga ngayo ngokucela imali mboleko yakho. Ngale ndlela, iindleko ziya kuhlala zinjalo kodwa uya kuba nemali ethe kratya ukuze ukwazi ukujongana nale nto uyifunayo.
Oku kuthetha ukuphonononga umvuzo kunye nenkcitho onayo kwaye, ngemizuzwana, ukuvavanya ukuba ziyimfuneko ngokwenene okanye enyanisweni bacinga ukuba kukho into engeyomfuneko onokuyilahla.