Ngexesha lokuya kufuna uhlobo oluthile lwemali mboleko, ungathandabuzi ukuba into yokuqala abaya kuyifuna ebhankini iya kuba ngumvuzo wakho. Okanye ubuncinci umvuzo oqhelekileyo othathwe kwimisebenzi yakho yobungcali okanye yeshishini. Ewe, ukuba awunalo olu xwebhu lubalulekileyo, kuya kufuneka ulindele okona kusabela kubi. Oko kukuthi, ukuba wena usikhabe isicelo wawo nawuphi na umgca wobuqu wetyala. Nangona kunjalo, awunayo yonke into elahlekileyo kuba unesicwangciso esinqabileyo sokufezekisa ukuthengiswa ngaphandle kwegalelo lomvuzo.
Kwelinye icala, ukubhatalwa yindlela yokufumana ityala phantsi kweemeko ukuqashwa ulunge ngakumbi. Okanye yintoni efanayo, ngokuncitshiswa kwenzala yenzala esebenza kwiibhanki kuwe, njenge uxolelo kwikhomishini kunye nezinye iindleko ekulawulweni nasekugcinweni kwayo. Kodwa kugxila kokukhona mboleko ngaphandle kokuhlawulwa. Ngale ndlela, unokummangalela kwezi zihlandlo zichanekileyo. Kungenxa yokuba uya kuba neendlela ezingaphezulu kwesinye ukwanelisa le mfuno yokuba uninzi lwabasebenzisi eSpain banalo ngoku.
Kuba iimali mboleko ngaphandle kokuhlawulwa zinokwenziwa ngokusesikweni kwiibhanki ngokwazo. Kodwa ngamanye amajelo entengiso. Umzekelo, ukusuka kumaziko emboleko ukuya kubantu abathile okanye nkqu iiplatifti ze digital. Ngayiphi na imeko, uya kuba nempendulo kwiimfuno zakho zokuhlawula amatyala. Nangona kufanelekile ukuba uyazi ukuba baya kuvelisa iimeko ezisesikweni, kwezinye iimeko ezifuna kakhulu okanye nakwiindlela ezifuna ngenene. Ngaba uzimisele ukwazi ukuba ivela phi le migca, kodwa kwangaxeshanye ixhaphake phakathi kwabasebenzisi?
Imali mboleko ngaphandle kokuhlawulwa kwiibhanki
Ungaya kwibhanki yakho yesiqhelo uyokucela nayiphi na imali mboleko ngaphandle kokuhlawulwa bathengisa ngalo mzuzu kanye. Kuba enyanisweni, kwamanye amatyala onokuthi uwabonise, ungawenza ngokusesikweni ngaphandle kwengxaki. Nangona beqinisekile ukuba baya kunyanzelisa ezinye iintlobo zeemeko. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo? Ewe, enye yazo iya kubandakanya ukwenza iikhontrakthi nezinye iimveliso kunye nequmrhu. Umzekelo, izicwangciso zepenshini, imali yotyalo-mali okanye i-inshurensi yobuqu, phakathi kwezinye zezona zibalulekileyo.
Ezi ntambo zetyala zenzelwe ukuxhasa ngemali izixa ezincinci. Ngokubanzi ngezixa ezingaphantsi kwe-10.000 euros kunye nexesha elininzi lokuhlawula iminyaka elishumi. Nangona kunjalo, ezinye iimfuno kufuneka zifezekiswe. Phakathi kwabo bemi phandle ukuba ummangali akabandakanywanga Uluhlu lwabangeneleli, ezinje ngeRAI okanye iASNEF, unerekhodi yebhanki egqwesileyo kwaye kwezinye iimeko unesiqinisekiso sobuqu okanye izinto eziphathekayo. Kuba, eneneni, elinye lamaqhosha okufumana olu hlobo lwemali mboleko lihlala phambi kwesiqinisekiso.
Iimeko zemali mboleko
Ukuba uza kucela enye yezi mveliso zebhanki, kuya kufuneka wazi ukuba akusayi kubakho saphulelo ngokubhekisele kumazinga wenzala eya kusebenza kuwe yebhanki. Ukuba akunjalo, ngokuchaseneyo, ezona zinto zixhaphakileyo kurhwebo ngalo mzuzu zihamba phantsi. Ngokufanelekileyo, phakathi kwe-7% kunye ne-10%, kuxhomekeke kumgca wekhredithi ofunwayo. Omnye umba oya kuthi uvavanye kukuba ngokuqinisekileyo baya kuba nekhomishini ethile, ngakumbi leyo yokufunda okanye yoviwo, enokufikelela kwi-2% yemali iyonke. Into ethi ingabikho kwimali mboleko engahlawulelwayo.
Inikwe amaziko emali
Ukuba ekugqibeleni abakuniki le mali, uya kuhlala unendlela yokukhetha ababolekisi. Izixhobo zonikezelo lwayo zilula, nangona imbuyekezo ziya kuyenza nzima imeko ekuqeshweni kwayo. Ngale ndlela kuba abayi kufuna inkxaso yomvuzo okanye umvuzo oqhelekileyo. Kodwa kunye nezinye inzala ephezulu kakhulu, ihlala ingaphezulu kwe-10% kwaye kwezinye iimeko ingaphezulu kakhulu. Ke, iindleko zokugqibela zomnyinyiva wazo ziya kuba nzima ngakumbi kwimidla yakho njengomsebenzisi. Ngoncedo lokuba awuzukucelwa ukuba uyabe phi kwaye uya kuyifumana kwixesha elifutshane kakhulu ngokubhekisele kwimali mboleko yebhanki.
Kule meko unikwe yona, iimali oza kuzinikwa ziya kuncitshiswa. Ukusuka kwi-500 ukuya kwi-10.000 euro malunga no-ewe, ngaphandle kwalo naluphi na uhlobo lweekhomishini kunye nezinye iindleko kulawulo lwayo. Imiqathango yokubuya kwayo, kwelinye icala, inde ngexesha kwaye iya kuba nezohlwayo ezibalulekileyo ukuba awuhlangabezani namaxesha okuhlawula ngezavenge zenyanga. Le yeyona nto iphosakeleyo ngokubhenela ekuxhaseni ngemali njenge-atypical njengoko injalo le nto.
Ukusuka kumaqonga ezemali
Elinye lamathuba okugqibela okuya kwimarike yemali ngamaqonga ezi mpawu. Zilula kakhulu ukwenza imisebenzi kwaye azifuni ukuba ubonise irhafu okanye ezinye iimfuno eziqhelekileyo kwiimfuno ezenziwe phambi kweebhanki. Kwimizuzu embalwa uya kuba nemali kwi-akhawunti yakho yokujonga. Kodwa njengakwimodeli edlulileyo, iimali zikhona imali encinci. Kwiimfuno ezincinci ezinomda we-1.000 euro. Zizixabiso ezikukhonza kuphela ukuphuma kwezinye iingxaki zemali.
Kwelinye icala, baya kusebenza nenqanaba lenzala elifunekayo kwaye ngaphezulu koku kusetyenziswa kwifomathi yezemali yangaphambili. Ukusuka kula maqonga abawabizi ngenzala, kodwa ngokuchaseneyo ziirhafu. Umahluko ocace gca ekufuneka uwuthathele ingqalelo ukusukela ngoku. Kodwa elona xabiso lalo likhulu kukuba ngumgca wezemali owenzelwe abantu abangakwaziyo ukufikelela kwiimveliso ezenziwe ziibhanki. Umzekelo, abantu abancinci, abafundi okanye abaqeshisi. Apho iinkqubo zolawulo ziya kuba mbalwa kakhulu.
Iikhredithi kubantu abancinci
Elinye lamaqhekeza entlalontle akhoyo ekuthiwa yimali mboleko ngaphandle kokubhatala yile abathengi abancinci. Kuba eneneni, kwiimeko ezininzi igalelo lalo naluphi na uhlobo lwengeniso eqhelekileyo aludingeki, ngenxa yezizathu ezisengqiqweni. Ukuba akunjalo, imeko elibi kakhulu iya kufuna kuphela ubukho babazali babo okanye babagcini babo njengesiqinisekiso. Oko kukuthi, baya kuba ngamanani aya kuba noxanduva lwetyala elityikitywe ngaba bathengi. Nangona kuyinyani ukuba le migca yokuthenga ngetyala ngokubanzi ibonakalisa iimeko zesivumelwano esingcono kunaleyo ishiyekileyo.
Imali-mboleko yabantu abatsha, ngaphandle kwegalelo lomvuzo, ithengiswa ngenqanaba lokhuphiswano kunenzala. Ukufaka isicelo kwinqanaba lenzala eliphakathi kwe-5% kunye ne-7% malunga. Nangona kunjalo, ezi zindululo zijolise kwiimfuno ezithile zeli candelo lentlalo libalulekileyo. Umzekelo, ukuxhasa ngemali izifundo zakho, ezona mfuno zisondeleyo okanye nokwenza inkampani yakho yokuqala. Ukongeza, kuyinto eqhelekileyo ukuba baxolelwe kwiikhomishini kunye nezinye iindleko kulawulo lwabo okanye kulondolozo. Kodwa baya kude ngakumbi ngamanye amaxesha kubandakanya i ixesha lenceba esihlala sithatha phakathi konyaka okanye emibini.
Iimpawu zezi mboleko
Ngayiphi na imeko, olu hlobo lwenkxaso mali lubonakaliswa ngothotho lwezinto ekulula kakhulu ukuba zichongwe. Umahluko ophawuleka kakhulu ngokubhekisele kwiikhredithi ezifuna igalelo lomvuzo, ipenshini okanye umvuzo oqhelekileyo. Imizekelo kwezi meko zilandelayo:
- Abayi kuvelisa naluphi na uhlobo lwe ibhonasi ngokubhekisele kumazinga enzala asebenza kwezi mveliso zebhanki.
- Kunzima ngakumbi ukubanikezela kunye Ukuyekiswa kwekhomishini kunye nezinye iintlobo zeendleko kulawulo lwayo.
- Oku kusilela, njengokungabikho kwemali engenayo evela emsebenzini, kunokulungiswa ngezinye iindlela: ukuqesha ezinye iimveliso, ukudibanisa okukhulu kunye nebhanki, njl.
- Ukuba awuhambisi olu xwebhu kuya kuba nzima ngakumbi kuwe ukuba ube ne ngentando yakho ngexesha lokusayina ikhontrakthi. Ngaphaya kweemeko zayo zokuqala.
- Ziya kwabelwa amaqela ngokwesixa esinikiweyo imali encinci, phantse ihlala ingaphantsi kwe-10.000 euros. Kwimeko apho, iingxaki ziya kuba zincinci ngexesha lothethathethwano.
- Kuya kufuneka ulumke kakhulu kukhetho lwakho, kuba ngamanye amaxesha kwanele ukuba ube negalelo ezimbalwa umvuzo osisigxina Inyanga qho. Nokuba awunguye umnini wawo nawuphi na umvuzo okanye unomsebenzi ozinzileyo nozinzileyo.
- Ngamanye amaxesha, esi sithintelo siyakwenza ukuba ungabinakho ukuba ne- umrhumo wenyanga efikelelekayo ngakumbi. Oko kukuthi, uya kuhlawula imali ngakumbi ukusukela ngoku.
Ngayiphi na imeko, awuyi kuba nakho ukufikelela kwimithombo yemali engaphezulu okanye engaphantsi yemveli phantsi kwazo naziphi na iimeko. Kodwa ngokuchaseneyo, into oya kuyifumana kukuba uya kuba nobunzima ngakumbi ekukhetheni umgca wekhredithi olungele iimfuno zakho zokwenyani. Kusemva kwayo yonke eyona ngxaki iphambili yokungafezekisi le mfuno ibalulekileyo kwibhanki yakho.