NgeKrisimesi inokuba ubonakalisile kwisiphithiphithi esinokuphela sichaphazela iimarike zezabelo kule intsha izakuqala. Kwaye uthathe isigqibo sokuba eyona ndlela yokunqoba eli xesha lokungaqiniseki kukudiphozitha kwexesha. Yi Isicwangciso esiliqili kakhulu ukwenza ukonga kunenzuzo ukusukela ngoku. Kuyinyani ukuba imbuyekezo oyifumanayo incinci, kodwa ubuncinci awuyi kuphulukana neyuro enye kwi imisebenzi yenziwe. Emva kwayo yonke loo nto, yenye yeendlela ezinikezelwa yimarike yebhanki.
Ukuba esi sisigqibo sakho, kulunge kakhulu kuwe ukuba wazi ukuba iirhafu zenzala eziveliswe zezi mveliso zokonga ziphantsi. Ngenxa yesigqibo esenziwe yi-European Central Bank (i-ECB) ukwehlisa ixabiso lemali. Apho umdla kummandla we-euro uku-0%. Njengoko uya kuqonda, ixabiso lemali liphantse libe zero. Kwaye le meko ikhawuleza iqhubele phambili ukuya kwiidipozithi zekota. Akumangalisi ukuba inike inzuzo kwimeko ezilungileyo kunqabile ukugqitha kwinqanaba le-0,5%. Ukuya kwinqanaba lokuba ngumthwalo wokuphucula ibhalansi yeakhawunti yakho yokutshekisha.
Nokuba yeyiphi na indlela, awuzukuba nexhala kakhulu kuba okwangoku uneendlela ezahlukeneyo zoku woyise le mida ibuthathaka yorhwebo inikezwe ziidipozithi zexesha. Ukusuka kule meko, unokukhuthaza ukwandiswa kwemigaqo esisigxina okanye ukhethe iimveliso ezenzelwe abathengi abatsha. Ukuba esi sisigqibo sakho, akukho mathandabuzo ukuba uya kuba nakho ukuphucula isikhundla sakho kwezi mveliso zengeniso esisigxina. Hayi phantsi kwepesenti enkulu kakhulu, kodwa ubuncinci ukufumana imali engaphezulu minyaka le. Ngaba uyazi ukuba ziqulathe ntoni ezi ndlela zotyalo-mali?
Iirhafu: amagama amade
Indlela yokuqala yokufezekisa ezi njongo kufuneka ukuba ubhalise kwiidiphozithi ezinamaxesha aphezulu okusisigxina. Umzekelo, kwiinyanga ezili-10,20, 30, 40 okanye XNUMX. Ngale ndlela, uya kuba kwimeko engcono yokubetha imarike yayo yorhwebo ebuthathaka kwaye ufezekise imbuyekezo oyigcinileyo phakathi kwe-0,50% kunye ne-1%. Ayisiyo mali ininzi, kodwa ukuphela kosuku iyakuvumela ukuba uhlawule imali encinci oyithandayo unyaka nonyaka. Ngale ndlela, unezindululo ezininzi ezivela kwiibhanki ezihlangabezana nolu phawu.
Omnye wabo uboniswa ngokwanda kwezinto. Oomatshini bayo bulula kakhulu kuba isekwe kwinto yokuba kokukhona isigxina siphezulu, kokukhona inyusa le mbuyekezo kwezi mveliso zisisiseko. Ngokusebenza ngokubanzi ngokulula unokufikelela kumanqanaba e-2%. Kwakhona, ezinye zeemveliso zebhanki zibonelela ngentlawulo yokuhlawula inzala minyaka le. Ngokusebenzisa iimodeli zobomi bonke kunye nabazali bakho okanye ootatomkhulu bakho abaya kuba bezisebenzisile ngamanye amaxesha. Nangona ingekho phantsi kwefomathi yokunyuka kokunyanzeliswa okoko kuyindalo yakutshanje. Ngayiphi na imeko, uya kuba ulufezekisile usukelo lwakho ukusuka kumzuzu wokuqesha.
Ngomvuzo wakho ngaphambili
Olunye umahluko kwinxalenye yezi mveliso zebhanki lilele ekukhetheni iidipozithi inxulunyaniswa nomvuzo okanye umvuzo oqhelekileyo ngenxa yokusebenza komsebenzi. Kungenxa yokuba bayayamkela le nxalenye yengeniso endaweni yokunyusa inzala yakho. Ngaphantsi kwepesenti yokuba kwiimodeli ezinobundlobongela zinokufikelela kwinqanaba le-5%. Nangona phantsi kweedinomineyitha ezichazwe kakuhle kuzo zonke ezi mveliso. Umzekelo, ngamaxesha asezantsi kakhulu okusisigxina kwaye kuphela kwimali ethobekileyo yemali ngokubanzi.
Kwelinye icala, awungekhe ulibale ukuba eyona nto iphosakeleyo yeyokuba ezi dipozithi zebhanki azizukukwazi ukuzihlaziya ngalo mzuzu wokugqibela wokuphelelwa kwazo. Kwimeko nayiphi na into, kuya kufuneka ukuba uhlalutye iimpawu zabo kwimeko efanelekileyo okanye ungabhalisi ukususela ngoku. Kuba kwezinye iimeko kunyanzelekile ukuba kufuneka Ukutsala ngqo ezinye iindleko zekhaya (amanzi, umbane, igesi, njl. Ngayiphi na imeko, yenye yeendlela ezizezinye onazo ukusukela ngoku ukuphucula ibhalansi yeakhawunti yakho yokujonga.
Banxibelelanise nezinye iiasethi zemali
Kananjalo ikhonkco nezinye iiasethi zemali alikho njengecebo lokuphucula inzala. Ngokwesiqhelo ivela kwingxowa kwaye bafuna ukuba bazalisekise uthotho lweenjongo kwikoteyishini yamaxabiso abo. Yindlela ekufuneka uphucule ngayo inzuzo kwaye usondele nakumanqanaba ama-5%. Ngayiphi na imeko, ukuba awuziphumezi iinjongo, ungakhathazeki kuba uya kuba nomdla osisigxina noqinisekisiweyo kuwo onke amatyala.
Esi sicwangciso sotyalo-mali akufuneki silinganiselwe kuphela kwimarike yemasheya. Ewe akunjalo, kodwa nakwezinye iiasethi zemali. Umzekelo, izinyithi ezixabisekileyo, izinto ezingavunyelwanga kwaye nangona zinokubonakala zingakholeki kuwe, nkqu nokuvela kwesalathiso seYurophu apho izinto zemboleko eSpain zinxulumene I-Euribor. Ke, ukuba kulindelwe ukuba kuzalisekisiwe, ezi dipozithi ziya kuba nakho ukufikelela kwinqanaba lenzala le-5%. Nokuba yeyiphi indlela, uya kuhlala uqinisekile ngenkxaso mali.
Yandisa imigaqo yokuhlala
Enye yeendlela ezilula onazo ngeli xesha lokuphucula inzuzo yezi mveliso zebhanki kukwandisa imigaqo. Ukubasa kwizona zininzi kuthengiswa ngazo ziibhanki. Ngokusebenzisa iimodeli ezingama-24, 46, 58 ukuya kuthi ga kwiinyanga ezininzi. Yenye yeendlela zabo zokunyusa isishumi kumvuzo abakunika wona xa ubaqesha. Ewe kunjalo, ayisiyonto ebalekayo, kodwa ubuncinci uya kuphucula umda obuthathaka wokurhweba ababoniswa ngawo abasebenzisi. Ngokubanzi imiselwe kwiprofayili yomthengi apho imeko yabo yolondolozo iphambili ngaphezulu kwezinye izinto ezongezelelweyo.
Ezi ntlobo zeedipozithi zexesha elide zikuvumela ukuba ungazi kangako ngeemarike zezemali ixesha elide. Ukongeza, uya kwazi kwangaphambili inzala yokuba ziya kulungiswa kwizivumelwano phambi kokwenza umsebenzi ngokusemthethweni. Ngokwenyani zonke iibhanki zinediphozithi yezi mpawu. Kwezinye iimeko phantsi kwefomathi yokwanda kokunyanzelwa. Ngamanye amagama, njengoko iminyaka ihamba, inzala inyuka ngokuqhubekayo. Kwelinye icala, abanazo iikhomishini okanye ezinye iindleko kulawulo lwabo okanye kulondolozo.
Iidipozithi zekhontrakthi phesheya
Ngumsebenzi onenzuzo kakhulu ngalo mzuzu. Kodwa ngeenkcukacha ekufuneka uyazi. Nangona kusebenza ngokusemthethweni, unokufuna tshintsha imali kwaye le ntshukumo iya kufuna ukuba uhlawule ikhomishini enkulu eya kuthi ngokuqinisekileyo ihlawulise ukwenziwa ngokusemthethweni kwale mveliso yebhanki. Ukuza kuthi ga kwinqanaba lokuba kususe ukhuphiswano lwakho ngokubhekisele kwizibonelelo ezifumaneke kwesi sicwangciso-nkqubo sikhethekileyo sokutyala imali.
Olunye uhlobo olukunika inzuzo ukusukela ngoku zizivumelwano nezinye iimali. Unezinto ezininzi onokuzenza apho unokukhetha khona le mveliso yebhanki. Phakathi kwezona zibalulekileyo yi-franc yaseSwitzerland, iponti yaseBritane okanye iJapan yen. Nangona kunjalo, kubandakanya uthotho lomngcipheko apho ezinye iindlela zisokola. Nokuba yeyiphi na indlela, sisicwangciso esikhethekileyo sokuphucula ibhalansi yeakhawunti yakho yokonga. Kwaye ungarhuma kuyo nayiphi na ibhanki engaphandle nakwilizwe liphela.
Ifomathi ye-Intanethi
Okokugqibela, awungekhe ulibale malunga neediphozithi ezikwi-intanethi ezilawulayo ezonyuka ngesishumi sepesenti xa kuthelekiswa nezibonelelo eziqhelekileyo. Ngoncedo lokuba ungabenza ngokusesikweni ngokufanelekileyo ukusuka ekhaya okanye kwenye indawo nangaliphi na ixesha losuku. Ngayo yonke imigaqo yokusisigxina kunye neemeko ezifanayo zokumiselwa ebomini. Yimveliso yebhanki eqhubeka ngokufumaneka kwizibonelelo zamaziko emboleko. Ngeempawu ezifanayo kuzo zonke. Ukuza kuthi ga kwinqanaba lokuhlala njengokumiselwa phantsi kwemigaqo yayo.
Kwelinye icala, awungekhe ulibale nangaliphi na ixesha ukuba olu hlobo lweedipozithi zekota kunokwenzeka ukuba zibhaliswe ngabaxhasi abancinci. Vumela ukuba ukuseka ngokusesikweni neemfuno zakho. Zombini kwinto ekubhekiswa kuyo isigxina, ubuncinci bezixa kwaye zize zizihlaziye ngokuzenzekelayo. Apho ngalo lonke ixesha uyakuyazi imali oza kuyibiza ngokungahambisani nemali yakho. Ngokwesiqhelo kungqamane nokuphelelwa kwayo, njengenye yeendlela eziqhelekileyo zophuhliso lwayo.
Ngomnye wezona zinto zibalulekileyo kwiimarike zebhanki. Ngayiphi na imeko, zonke ezi zimvo ziya kumela indlela yokuqinisekisa ukuba awunyanzelekanga ukuba urhoxe kwimarike yangoku yorhwebo ekubonelela ngayo ngamaziko etyala ngoku. Ukuba yenye yezona ndlela zilondolozekayo kunemali yotyalo mali. Kodwa kule meko ngomvuzo oqinisekileyo kunye oqinisekileyo minyaka le.