Ugcino: ukubeka imali kwimarike yemasheya ngokusebenzisa iidiphozithi

Ukuba ufuna ukunciphisa umngcipheko kutyalo-mali kwimarike yemasheya, banesicwangciso sokufeza iminqweno yakho yokonga esebenzayo. Imalunga nokuzihambisa ngokwakho iidipozithi zexesha ezinxulunyaniswe nentengiselwano yequity. Zenziwe ziibhanki eziphambili zeli lizwe, ezibeka ezandleni zabaxhasi bazo enye indlela yokutyala imali abayigcinileyo, kwaye banako yenza imali igalelo labo ngokubhekisele kwiimodeli zakudala zezi mveliso.

Izindibaniselwano ezinxulumene nokulingana zisekwe kwinyathelo elilula. Inxalenye yemveliso yenziwa phantsi kwemirhumo yemveli, ngezivuno eziphantsi kakhulu, ezingafane zidlule kwi-0,75%, njengesiphumo sokuthotywa kwexabiso lemali. Ngelixa elinye iqela linxibelelene ne ibhasikidi yesitokhwe ezidweliswe kwimarike yemasheya, nangona inokuphinda yenziwe ngokusesikweni nezinye iiasethi zemali, ukuya kwinqanaba lokufumana imposiso enxulunyaniswe nakwizinyithi ezixabisekileyo.

Ngenxa yesi sicwangciso-qhinga, abahlanguli baya kuba nakho ukufumana imida ephezulu yenzuzo kwimveliso. Hayi ngokugqithileyo nokuba, kodwa ubuncinci njenge ukusondela kufutshane nendawo ye-2%. Elinye lamathuba okuphucula kakhulu ukusebenza kweedipozithi zebhanki, ushiye imida yazo. Kwaye oko kuyanda kwicandelo lezemali ukukhulisa ukonga ngale ndlela intsha.

Nangona kunjalo, iya kufuna iimeko ezithile, ekunokuba nzima kakhulu ukuziphumeza. Bahlala ekubeni kufuneka ufezekise ubuncinci beenjongo ezidlulayo ukufikelela kumanqanaba athile kwixabiso lesabelo. Ngamanye amaxesha bafuna kakhulu. Ukuba zifezekisiwe, Siyavuyisana, kuba uya kube uphumelele ukuba umdla unyuke ngokubonakalayo. Kodwa akufuneki ukhathazeke kakhulu ukuba awuphumelelanga, kuba ubuncinci ukubuyiswa kwedipozithi yekota kuqinisekisiwe, nangona kule meko awuyi kuba nakho ukuphucula imida.

Isicwangciso esiliqili kakhulu

Akunzima kakhulu kuwe ukufumana nayiphi na kwezi mveliso kwisibonelelo sebhanki sangoku, kunye nezindululo zazo zonke iintlobo, kwaye zichaphazela uninzi lweemarike zesitokhwe (iitekhnoloji ezintsha, ezemali, ezombane, njl. Kwezinye iimeko kufuneka uvule izikhundla kwezi mveliso? Ukuba ungumtyali mali okhuselayo kakhulu, okanye awufuni kuthatha umngcipheko ogqithileyo kwiimarike zezabelo, uya kuba nethuba lokufumana ikhontrakthi enye yezi modeli.

Kwelinye icala, baya kukuvumela ukuba ungene kwiimarike zesitokhwe, kodwa ukhuseleko olupheleleyo kwimali oyongileyo. Ukugcina imbuyekezo eqinisekisiweyo, nokuba zilingana kangakanani na ezorhwebo kwiimarike. Akumangalisi ukuba enye yeenzuzo eziphambili ezizisa ekuphuhliseni esi sicwangciso kukuba kuhlala kunjalo Uya kuba nayo yonke iminikelo yakho yezemali xa ifanelekile, kwaye ngaphandle kokuthatha umngcipheko ochasene nomdla wakho.

Kwaye enye, awuyeki ukuhlala kude kwiimarike zezemali. Ukubanakho ukuthatha ithuba lokuhamba ngokunyusa koku ukwenza imisebenzi yakho ibe yinzuzo. Njengoko uya kuba nakho ukuqinisekisa kweli nqaku, akuyi kubakho mfihlelo kuyilo lwayo, kungasasetyenziswanga kwezi dipozithi zodidi. Zilungelelaniswe nayo nayiphi na iprofayili yokugcina, enokuthi izenzele ngokusemthethweni nangaliphi na ixesha.

Imiqathango yesivumelwano

Balawulwa ziindlela ezifanayo kakhulu nezobume bendabuko, zinomahluko omncinci omangalisayo. Ngaphandle kwento yokuba bacinga ixesha elide lokusisigxina kunezinye iifomathi. Zikhula phakathi kwe-18 ukuya kwiinyanga ezingama-36 malunga. Ixesha elaneleyo ngokwaneleyo ukuba icala lezabelo liphumeze iinjongo zalo zokuxabisa.

Esona sixa sisezantsi, kwelinye icala, ukuba uyirhumele ivulekile kakhulu kuyo yonke imizi, kuba unako uyiqeshe kwii-euro ezingama-1.000 XNUMX kuphela, Kuxhomekeke kwisibonelelo esilungiswe ngamashishini ebhanki. Ingeniso eyenziweyo, ngemodeli yomvuzo ophindwe kabini, iya kuhlala ikhulile, kwaye ingabi ngaphambili, njengoko kusenzeka rhoqo rhoqo kwezinye iidipozithi.

Nangona kunjalo, kuya kubakho imeko ebaluleke kakhulu ekufuneka uyithathele ingqalelo ukuba uza kuyirhumela kwiinyanga ezizayo. Ayikho enye ngaphandle ngekhe ukwazi ukurhoxisa kwangethuba. Ngaphandle kokuba, ewe, ufuna ukuyeka ukubuya kwi-equities. Ngenxa yoko, awuzukukhetha ngaphandle kokulinda ixesha lakho lokuhlala ukuze ufumane lonke igalelo lakho, kubandakanya nengeniso. Baya kuya ngqo kwi-akhawunti yakho yokujonga ngaphakathi kwemigaqo ekuvunyelwene ngayo.

Zeziphi izinto onokuziqesha?

Ngaphandle kokuba uyilo olunikezelwa ziibhanki ngamanye amaxesha, kwiimeko ezininzi lwenziwa ngalo ukukhushulwa okufika ngexesha, okungasoloko kufumaneka ngomzuzu ofanelekileyo. Kodwa kuyo nayiphi na imeko, uya kuba neemodeli zokugcina ezoneleyo ukuhlangabezana nale mfuno kwaye wenze ukonga kulondoloze ngesi sicwangciso. Ngezindululo zazo zonke iintlobo, eziza kukuvumela ukuba ukhethe phakathi kweedipozithi ezihlengahlengiswe ngakumbi kwiprofayili oyibonisayo njengomtyali mali omncinci.

Ngaphakathi kunikezelo lwangoku lwebhanki, isindululo esikhuthazwe nguBanco Sabadell sokwamkela le mingeni sigqamile. Yenze i-Ibex Up 18 Idiphozithi, ixesha lokuhlala isigxina kwiinyanga ezili-18, kwaye kunjalo idityaniswe kwisalathiso sesitokhwe sesizwe.

Enye into evela kwimodeli ephuhliswe yiOpenbank kwaye icwecwe phantsi kwegama elithi Depósito Combinado Inversión Duo. Nangona kunjalo, kule meko, kuya kubakho iindaba ezibalulekileyo ekufuneka uziqwalasele. Inxalenye yotyalo-mali iya kuba ngumvuzo ozinzileyo, ngelixa ezinye ziya kudityaniswa kukhetho olubanzi lweemali zotyalo-mali, zombini eziguqukayo kunye nengeniso esisigxina, ukuyilungelelanisa neempawu zakho. Ngokuhlala umndilili kwiinyanga ezili-13.

Izibonelelo ezifanayo kwisindululo sangaphambili yiDiphozithi edibeneyo, ebiphethe ukuthengisa iOfisi ngqo kwiiklayenti zayo. Lutyalo-mali, olujolise kwixesha leenyanga ezili-13, ethi xuba ukonga ngokwesiko kunye neengxowa mali njengefomyula ukuze umdla ube nesisa ngakumbi ekukhuleni. Kwaye kwisibonelelo sabo, bade bakuvumele ukuba wenze udluliso lwasimahla phakathi kwezi mveliso zezezimali.

Ezinye iindlela zokonga

Intsha yala maxesha ahlukeneyo kukuba ayikhawulelwanga kwiiasethi zemali ezinxulunyaniswe neemarike zentengiso, kodwa endaweni yoko zivulelekile kwamanye amacandelo ezezimali, kwezinye iimeko phantsi kweendlela zentsusa, ezinokuthi zisothuse ngenxa yokuqina kwezindululo zabo. Akumangalisi ukuba bahlanganise uluhlu olubanzi lweemarike, behambisa iimodeli zabo zokonga kumamkeli wokugqibela, ongazukubakho ngaphandle kokugcina imali, njengoko kunokuba njalo kwimeko yakho ethile.

Kukho izimvo ezingenakubalwa zokusebenzisa esi sicwangciso seshishini, kodwa njengomzekelo, sishiywe ezinye zazo ukuze ukwazi ukuziqokelela ukusukela ngoku. Ngaphandle kwamathandabuzo, isalathiso semilinganiselo yokubolekwa kwemali mboleko, i-Euribor yenye yezona zibalulekileyo.

Ukuya kuthi ga ngoku ukuba i-Kutxabank iphuhlise ukubekwa kwezi mpawu zikhonza ihlelo iDepósito Subeybaja. Yahlukile kwezinye iifomati kuba inika abagcinisa ithuba lokuqokelela inzala kwangaphambili (qho ngenyanga, ngekota, ngekota okanye ngonyaka). Inesigxina esijolise kwixesha eliphakathi, kuba kunyanzelekile ukuba kudlule iminyaka emi-2 ukubuyisa igalelo kunye nomdla. Kwaye ukusuka kumyinge omncinci we-6.000 euro.

Ukuhlalutya isithembiso esikhoyo sokuba amaziko ezezimali akolu didi lweemveliso, siza kwezinye iimodeli ezisekwe kwisalathiso semvumelwano yemboleko-mboleko. YiFlexiDepósito, eyenziwe yiCajamar kubaxhasi abazikhusela kakhulu ukuba baqeshe. Kwaye kule meko inikwe abo bagcina imali kunye noguquko olukhulu lokufumana intlawulo yomdla wabo. Ukusuka kwimirhumo efikeleleka kakhulu kuyo nayiphi na iprofayili egciniweyo, ukusuka kwi-euro ezingama-600 kuphela.

Iiresiphi ezintlanu zokubaqesha

Njengokuba ezi mveliso zenzelwe ukonga ngokungafaniyo okucacileyo, zenza isicwangciso-qhinga sakho kufuneka sitshintshe ukuze siziqhelanise neendaba abazibonisayo. Kufuneka uyazi loo nto Nangona zibonelela ngekhonkco kwii-equities, ziyilo oluphezulu ngokusekwe kulungiso. Ayothusi into yokuba umngcipheko owuthweleyo awukho, ukhusela iiasethi ezifakiweyo ngalo lonke ixesha.

Ngaphandle kwayo yonke into, nokwenza ukuba imisebenzi yakho ibe yinzuzo, awuzukukhetha ngaphandle kokungenisa uthotho lweengcebiso eziza kuba luncedo kuwe ukunxibelelana nolu hlobo lweemveliso zebhanki. Kwaye isicelo sabo siyakuba lula kakhulu ukukhuthaza ulondolozo, ngaphandle komzamo owenzayo. Kwaye oko kuya kushwankathelwa kule migca ilandelayo yokusebenza.

1. Ngaphambi kokuba ubaqeshe, kuya kufuneka ukuba Qiniseka malunga nezalathiso apho utyalomali lwakho luya kusekelwa khona. Ayisiyokuba uthatha umngcipheko, ewe akunjalo, kodwa kuya kufuneka wazi ukuba leliphi elona xesha lifanelekileyo lokuzimisela ngokusesikweni ngesiqinisekiso esikhulu.
2. Kucacile ngokwaneleyo ukuba unokuphucula ukusebenza kweedipozithi, kodwa ukuba nje iimeko ezithile kuyahlangatyezwana nazo kwindaleko yazo kwiimarike. Kwaye kwelinye icala, kwizindululo ezithile, banokufuna ngenene.
3. Imali ekufuneka uyijongile ayizukubanzi ngakumbi, kude nayo, kodwa ungavula izikhundla ezingaphantsi kwe-1.000 euro, kwaye ikhululwe ngokupheleleyo kwiikomishini nakwezinye iindleko kulawulo lwayo.
4. Zivulelekile kulo naluphi na uhlobo lotyalo-maliNditsho ndadibanisa umdla wakho kunye neyona mali iphambili kutyalo-mali, engekho ngaphezulu kwe-50% yotyalo-mali.
5. Kwaye okokugqibela, sisibonelelo esingabanzi kangako njengale senziwe kwiidipozithi zokonga ngokwesiko. Ngayo, ukhetho kufuneka lube nolwazelelelo ngakumbi, uthatha ithutyana de utyikitye isivumelwano.