Enye yezinto ofuna ukuyiphepha kuzo zonke iindleko kukurhweba kakubi. Baza kukwenza ulahlekelwe yimali kwaye bade bakucele ukuba ushiye ilizwe elinzima lotyalo-mali. Ukuya kwinqanaba kubalulekile ukuthintela le meko ayifunwa ngamanye amaxesha awuzukukhetha ngaphandle kokufaka iklasi yemali mboleko kuyo unemali. Ngokukodwa xa imisebenzi yakho ingaphuhlisi njengoko ubufuna kuqala kwaye kufuneka ujongane neendleko ngokukhawuleza. Umzekelo, ukuhlangabezana noxanduva lwakho lwerhafu, ukuhlawulela uhambo lwakho lweholide okanye ukuthenga izixhobo zikwimeko yobugcisa.
Ngaphezulu kwesihlandlo esinye uya kufumanisa ukuba ufuna imali kodwa awunakho ukuthengisa izabelo zakho kwiimarike zezemali. Ngenxa yesibakala sokuba ixabiso langoku likude kakhulu nexabiso lokuthenga. Yimeko engafunekiyo enokukumema ukuba ufune imali mboleko ehlangabezana nezi mfuno. Ewe akunjalo ngetyala lomntu apho livunyelwe ngenqanaba lenzala elinakho fikelela kuma-10%. Kuzo kufuneka kongezwe iikhomishini ezinokubakho kunye neendleko zolawulo ezinokubandakanya. Ayothusi into yokuba ungayenza le mveliso yemali ibize kakhulu ukuya kuthi ga kwiipesenti ezi-3.
Ukusombulula le ngxaki iboniswe ngabatyali mali abancinci nabaphakathi, oko kubizwa ngokuba yimali mboleko yotyalo mali yenzelwe. Banemisebenzi ekhethekileyo enokuba luncedo kakhulu ngaxa lithile kubomi bakho bezezimali. Ewe ayisiyo imali ethambileyo, oko kukuthi ngaphandle komdla. Kodwa icandelo elikhulu lesithembiso liyathengiswa kunye iimeko ezingcono zesivumelwano. Nangona kuyinyani ukuba isibonelelo sayo asibanzi kakhulu ngamaziko emali.
Imali mboleko engathengisiyo
Kule meko ngokubanzi, zininzi iintlobo zekhredithi kwezi fomathi. Enye yezona zinto zibalulekileyo kukuqhubela phambili imali ukuze ungathengisi izabelo zakho. Bahlala benika isibonelelo phakathi kwama-5.000 nama-20.000 euros onokuyabela le njongo. Ngenqanaba lenzala elinokwehla liye kwi-6% kuxhomekeke kwisibonelelo osikhethileyo ukusukela ngoku. Kwelinye icala, uya kuba nexesha lokuhlawula elinokufikelela kwiminyaka elishumi. Nangona into emalunga nokuba iinzuzo ezinkulu onokuzifumana kwiimarike ze-equity zigqithile kwimidla eya kuthi isebenze kuwe ukwenza isivumelwano kwezi mveliso zemali.
Umgca wekhredithi onokuthi uwusebenzise kuphela kwelona xesha liyingozi yemisebenzi yakho kwimarike yemasheya. Hayi njengesiqhelo kwimidlalo yakho. Kuba baya kuba neendleko zokwenyani oya kuthi ungabinayo enye indlela ngaphandle kokuyithobela. Enye yeemeko apho le mali ifunekayo kuxa uthe wangena emanzini asezantsi kwimarike yemasheya. Kwaye awuyi kuba nesisombululo ngaphandle kokulinda ithutyana uthengise izabelo. Ukuba kunokwenzeka wakube ufumene inqanaba lamaxabiso oqobo.
Ubutyala kwiingxowa mali
Enye yeefomathi ezenziwe ziimarike zezo zijolise kwingxowa mali. Ngesi sihlandlo, olu hlobo lwemali mboleko yenzelwe abanini zabelo yeemali zotyalo-mali ezifuna ukuxhaswa ngemali ngeenjongo ezahlukeneyo (ukulungiswa kweflethi, ukuthengwa kwemoto, utyalo-mali kwiimarike zesitokhwe ...) kwaye abafuni ukulahla izibonelelo zerhafu ezibangelwa bubudala babo njengabaphathi beemali. Kukho imigca embalwa kakhulu yekhredithi ebhalwe phantsi kwezi mpawu. Kodwa nangayiphi na indlela, inokukukhupha ngaphandle kwengxaki ukuba uthathe izikhundla kule klasi yeemveliso zotyalo-mali.
Elinye lamagalelo alo afanelekileyo asekwe kwinto yokuba uyakuyigcina imali yakho kutyalo-mali ngalo lonke ixesha, kodwa ngomehluko omkhulu kwaye oko kukuthi uyakuba nemali iyonke ukuhlangabezana nothotho lweendleko. Ukuguquguquka kwayo kuya kuba yenye yeedinomineyitha eziqhelekileyo ukusukela oko unike ukuya kwi-60.000 euro kwixesha lokuhlawula iminyaka eyi-8. Iya kuba yindlela eluncedo kakhulu yokugcina utyalomali lwakho kwiingxowa-mali ngokuchasene nayo nayiphi na imeko echasene nemidla yakho. Apho ukongeza, baya kusebenza kwinqanaba lenzala elikhuphisanayo kunakwabathengi okanye kwimali mboleko yomntu. Ayothusi into yokuba yinjongo yabo kuphela kwaye unokubacela kuphela ukuba bafumane izikhundla kule mveliso yemali ithandwa kangaka phakathi kwabatyali mali abancinci nabaphakathi.
Ungakuphepha njani ukuthengisa okungalunganga kwimarike yemasheya?
Ewe kunjalo, enye yezona meko zimbi kuxa kufuneka thengisa izikhundla zakho kwintengiso yesitokhwe saso nasiphi na isiganeko ebomini bakho. Yile nto ilolu hlobo olukhethekileyo lwemali mboleko eyenzelwe yona. Ke ungaqhubeka nezikhundla zakho kwiimarike zezemali kwaye kwangaxeshanye ube nemali efanelekileyo yokujongana neendleko zakho ezingxamisekileyo. Ngayiphi na imeko, kuya kufuneka ujonge ukuba amaxabiso wenzala afunwayo zezi mveliso ayakubuyekeza na ngemisebenzi. Kuba kunokuba kunjalo ukuba kuya kufuneka uhlawule imali eninzi ukukhetha esi sicwangciso sikhethekileyo.
Ngale ndlela, iintlobo ezisebenzisa ezi mboleko kuwe ukuba uhambe kwiqela elihambayo ukusuka kwi-7% ukuya kwi-10%. Kuko konke oku kufuneka wongeze iikhomishini ezinokubakho kunye neendleko zolawulo ezibandakanya le migca ichazwe kakuhle yekhredithi. Iya kuba lixesha lokuthatha ikhalityhuleyitha kwaye uqinisekise ukuba iinzame zakho zezemali azizukuba ngaphantsi kwengeniso eyinkunzi enokuthi ivelise intshukumo oza kuyenza nakweyiphi na yeemarike zezemali apho uvule izithuba ngalo mzuzu kanye. Kuba ayizukuhlala iyinzuzo ekusebenzeni kwakho. Ukuya kuthi ga kwinqanaba lokuba inokwahluka ngokuxhomekeke ekusebenzeni okwenzileyo. Apho ungasoloko uneemfuno ezifanayo, njengoko kusengqiqweni ukuqonda.
Ungena nini kwikhontrakthi?
Kuza kuhlala kukho iimeko ezithile kunabanye apho kuya kubakho imfuneko yokufumana ikhontrakthi kule nkxaso-mali ikhethekileyo. Awuyi kuba nandlela yimbi ngaphandle kokufuna iincam zemali ukuze ungenzi umsebenzi ombi kwimarike yemasheya (okanye kwezinye iimveliso zezemali? Umzekelo, kwezi meko zilandelayo sikubhengeza ngezantsi.
- Xa ucinga ukuba ixabiso apho uvule khona izikhundla une- Ukuqhubela phambili yobunzulu obuthile kwaye kwithuba elingelide unako ukufikelela kwinjongo oyifunayo. Kodwa ngengxaki enkulu ukuba awuyi kuba nemali, okanye ubuncinci kakhulu, kwiakhawunti yakho yokutshekisha.
- Kwimizuzu yokulinda iimeko ezikhawulezayo yeemarike zezemali. Kodwa kuyo nayiphi na imeko kuya kufuneka ujongane nothotho lweendleko ezikhawulezileyo kwaye ezingadingi kulinda.
- Ngexesha a Utshintsho lwendlela Kwipotifoliyo yezokhuseleko kodwa uqoqosho lwakho lwasekhaya alukuvumeli ukuba uqhubeke nezikhundla ezivulekileyo ixesha elide kunokuba unqwenela. Ngomngcipheko wokuthengisa izabelo zakho ngelahleko eziphezulu.
- En iintshukumo zomdibaniso ezikhuthaza ukuba ixabiso lezabelo linyuke ngokunyuka kwiintsuku okanye kwiiveki ezizayo. Ngale ndlela, awungekhe uphoswe ngamathuba oshishino aza kuwe. Kufuneka kukhunjulwe ukuba azibonakali yonke imihla kwaye kuyacetyiswa ukuba uthathe ithuba kwezi meko zibalaseleyo.
- Kodwa ngakumbi xa ukhona ukulahlekelwa yimali eninzi kwizabelo kwaye ucinge ukuba kwixesha elifutshane neliphakathi yonke into ingatshintsha. Ayizukuba ngumcimbi wokushiya i-euro ezininzi apha endleleni. Ngale ndlela, ukunika imali mboleko kungasombulula enye ingxaki ukusukela ngoku.
Umngcipheko wokwenza le misebenzi
Ngayiphi na imeko, kuya kufuneka ubonise ulumkiso xa ucela ukubolekwa kwezi mpawu. Kungenxa yokuba unokwandisa amandla akho emali kwinqanaba ongakwaziyo ukulilinganisa. Ke ngoko, lumka kakhulu, kuba awungekhe ulibale ukuba ekugqibeleni kuya kufuneka ubuyisele inkqubela phambili yemali kunye nezinto zayo ezinomdla kunye neekomishini ukuba kukho imfuneko. Ayothusi into yokuba eyona nto iphambili ekwenziweni kwale mfuno kukuba inqanaba lamatyala inokunyuka kakhulu. Ngeengxaki ukuze ukwazi ukufikelela esiphelweni senyanga kwezona meko zibalaseleyo.
Kwelinye icala, uhlahlo-lwabiwo mali lonyaka nalo lunokukuphosisa kakubi kuba ukusukela ngalaa mzuzu ukuya phambili awuzukukhetha ngaphandle kokuthatha iindleko ezingaphezulu. Kulapho kuya kufuneka uzibuze ukuba ibaluleke kakhulu Cela imali-mboleko yakho ebhankini. Impendulo ilele kumandla akho okujongana nalo msebenzi ubaluleke kangaka. Apho kuyakubaluleke kakhulu ukuvavanya ukuba yeyiphi inzuzo oyinikezeleyo kwimisebenzi nganye echaphazelekayo okanye enovakalelo ekunikezelweni komgca wetyala ngenxa yesi sizathu. Akunjalo kuzo zonke iimeko, impendulo iya kufana, kude nayo, njengoko unokucinga.
Ukusukela ngoku ukuya phambili, iya kuba nguwe kuphela ekufuneka ucingisise ngale mfuno yotyalo-mali. Ukuze ngale ndlela, uthathe isigqibo esifanelekileyo sokukhusela umdla wakho. Ukuba abayi kuhlala bedibana kuzo zonke iiprofayili zabatyali mali abancinci nabaphakathi. Ngonyango olwahluke ngokupheleleyo ukusukela ngoku.