Kungenxa yokuba ukuncitshiswa kwerhafu kuthanda utyalomali

Ukunqunyulwa kwerhafu kunento yokwenza nokulingana kunokuba unokucinga. Ukuya kwinqanaba lokuba nayiphi na intshukumo kweli cala iya kuchaphazela iimarike zezemali kwaye ngokukodwa kwimarike yemasheya. Hayi eSpain kuphela, kodwa kwihlabathi liphela elihambileyo. Kuba, enyanisweni, ubudlelwane phakathi konyango lwerhafu kunye utyalo mali isondele kakhulu kunokuba abaninzi bekholelwa. Ukuya kwinqanaba lokuba inokukunceda ukuba wenze imali okanye, ngokuchaseneyo, uphulukane nazo. Ngokuhamba ngokukhawuleza okukhulu kwiimarike zesitokhwe.

Ukuze ube nombono omncinci malunga nento ekufuneka uyenzile kwezi meko, kuya kuba yimfuneko ngokupheleleyo ukuba uqonde unxibelelwano phakathi kwezi ngcamango zombini ukusukela ngoku. Kuba ngale ndlela, uya kuba kwimeko engcono yokuqinisekisa ukuba iinzuzo ezinkulu ziyavela kwingxelo yakho yengeniso. Ukongeza, iya kuba namandla Inkuthazo yokuvula izikhundla kwii-equity ezisekwe kolu tshintsho lubalulekileyo kuqoqosho. Kuya kufuneka wenze into ethile kwicandelo lakho ukuze ngale ndlela iziphumo ziqale ukufikelela kwiphothifoliyo yakho.

Kuba imeko yerhafu eqinileyo ayifani nokukhululeka. Iziphumo zalo kwizabelo ziya kwahluka ngokupheleleyo, njengoko uza kuba nakho ukubona apha ngezantsi. Yinto elula ukuyiqonda kwaye iyafumaneka kuye wonke umntu, kubandakanya nabatyali mali abancinci nabaphakathi. Ngeziphumo ezahlukileyo, kuxhomekeke ekubeni ukwimeko ethile okanye enye. Kungenxa yokuba ngokulula uya kuba nonyango olwahlukileyokodwa yahluke ngokupheleleyo. Ngamafutshane, yenye indlela yokuqonda imarike yemasheya. Ukusuka kwindawo eyahlukileyo yokujonga kunye nokusebenza ngokubonakalayo ukukhusela umdla wakho njengomtyali mali wevenkile.

Luchaphazela njani unyango lwerhafu?

Into yokuqala ekufuneka uyazi kukuba umgaqo-nkqubo wezemali okhululekileyo uzuza abatyali mali. Kungenxa yokuba ngokuba nemali eninzi kwiakhawunti zabo zokonga, baya kuba neenketho ezingakumbi zokwaba le mali kutyalo-mali. Nokuba yeyiphi na imveliso yemali abayikhethayo mzuzu ngamnye. Kucacile ukuba Iminqweno yakho yotyalo-mali iyakwandiswa ngaphezulu kwetyala. Imizekelo kule minyaka idlulileyo ingqina kwaye iqinisekisa le ntshukumo ekuhambeni kwemali. Awunakulibala nangaliphi na ixesha uya kuqaphela uxinzelelo olukhulu lokwenza ukuba imisebenzi ibe semthethweni kwimarike yemasheya.

Oorhulumente, xa besenza irhafu ukuze abemi babo babe nemali engaphezulu kwiiakhawunti zabo zokujonga. Ke, Kulula kakhulu kubo ukuba bathembele kulo naluphi na uhlobo lotyalo-mali. Kulungile kumvuzo oguqukayo, kwingeniso emiselweyo okanye nakwezinye iimodeli. Ayilolize, bafuna ukubuyisa imali ethe kratya abayigcinileyo. Okungaphezulu kokuchasene ngokupheleleyo neemeko, apho uhlengahlengiso kuhlahlo-lwabiwo mali lwasekhaya luhlala lukhulu kakhulu.

Ukongeza, yindlela yeklasikhi yokukhuthaza uqoqosho lwelizwe okanye indawo. Kuzo zonke iincwadana zoqoqosho olukhulu. Nangona ngenxa yeziphumo zokudodobala koqoqosho okokugqibela, le meko kudala ilindelwe ngabahlanguli ayinakwenziwa eSpain. Ukuba akunjalo ngokuchaseneyo, irhafu inyuswe Iirhafu eziphambili zikazwelonke nezasekhaya. Ngale ndlela, kukho imali encinci epokothweni yabarhafi kwaye amathuba abo okungena kwizabelo aphantsi kakhulu. Enye indlela yokuqonda kwimarike yemasheya nakwikota yerhafu.

UTrump usika irhafu eMelika

Ukubonisa le meko inento yokwenza nonyango lwerhafu, akukho nto ingcono kunokuya kumxholo osisihloko. Kwaye yeyona inento yokwenza nemeko e-United States emva kokufika kwengxabano uDonald Trump Kumongameli weli gunya loqoqosho lwehlabathi. Ewe, esinye sezithembiso zakhe ezibaluleke kakhulu kunyulo sasisekwe kunciphiso lwerhafu. Kwaye kube semva kokwenza izigqibo zakhe zokugqibela. Oko ngokungathandabuzekiyo kuya kuchaphazela iimarike zakho zokulingana.

Kungenxa yokuba, umongameli wayelindele "ukusika okungokwembali" kwirhafu kwimibutho nakumgangatho ophakathi waseMelika. Ngokukodwa, wathembisa kwiphulo lakhe lonyulo ukuba anyanzelise ukunciphisa iirhafu zemibutho ukusuka kwi-35 ukuya kwi-15 yepesenti kunqunyulwe amanqaku eepesenti angama-20. Oku kusebenze kwiiveki ezidlulileyo. Ngenxa yeli nyathelo libalulekileyo, amaMelika aya kuba nemali engaphezulu kwizipaji zawo.

Enye yeziphumo zale nyaniso kukuba baya kuba nakho ukubanakho ukuvula izikhundla kwimarike yemasheya. Kubonakala kusengqiqweni ke ngoko ukuba imali eninzi ifikelela kwiimarike zesitokhwe zeli lizwe. Ngokunyuka okubonakalayo okufanayo. Ukuza kuthi ga kwinqanaba lokuba kutsalwe into entsha kwezi marike zezimali. Ngesizathu esilula kakhulu sokuchaza kwaye ayikho enye ngaphandle kokuba izikhundla zokuthenga zibekwe kubathengisi. Ukusuka kolu luvo, ayisiyombono imbi ukuguqula ukonga kweentsapho zaseSpain kule marike yamanye amazwe. Kuba inokuvelisa inzuzo enkulu kunakwizikwere zelizwekazi lakudala.

Iirhafu eziphezulu: iziphumo ezichaseneyo

Enye into eyahluke kakhulu yimeko echaseneyo. Nini imali eninzi kakhulu ihlawulwa kwiirhafu. Le meko yenza ukuba abatyali mali bangafuni. Kuba banemali encinci kwiakhawunti yabo yokujonga. Ngenxa yoko, inani lemisebenzi eyenziweyo kwiimarike zemali liya kuba mbalwa. Phakathi kwezinye izizathu, kuba kufuneka bajonge iindleko zabo zobuqu nezosapho. Hayi ngelize, kuya kufuneka uhlengahlengise uqeqesho olukhulu kuhlahlo-lwabiwo mali ngenxa yokuba unemali encinci.

Unyango olwandisiweyo lwerhafu luhlala lubeka ingxaki eyongezelelweyo kwizabelo. Kungenxa yokuba iqhuba inani elifanelekileyo labatyali mali abancinci nabaphakathi kuyo. Ayisiyondlela ilungileyo yokuba unxibelelane nelizwe elinemali elinzima, kodwa ngokuchaseneyo. Amaxesha embali apho kwenzeke khona kuye kwaba yeyona incinci intle kunyuso lwexabiso lesabelo ebelivelisiwe. Ubuncinane kwixesha elifutshane.

Unokwenza ntoni kwezi meko?

Ukuba uzibona ukuntywiliselwe kwenye imeko, awuzukukhetha ngaphandle kokukhetha iindlela ezahlukileyo zotyalo-mali. Nangona kuzo zonke iimeko kuyakubakho iidinomineyitha ezifanayo ekufuneka uzithobele. Ukuqala kule migca ilandelayo yezenzo esiza kukubhenca apha ngezantsi.

• Kuya kufuneka uchaze ukuba leliphi elinye okanye elinye ixesha, kuba kuxhomekeke kubo, awuzukufumana sisombululo sinye ngaphandle kolo yenza izigqibo ezahlukileyo. Ngamanye amaxesha ukuvula izikhundla kunye nezinye ngokuchaseneyo. Oko kukuthi, yenza intengiso ngokuthe ngqo okanye iyonke.
• Unokuhlala usebenzisa ithuba lokuphumla kwemali kuba imali ekhoyo iya kuba nkulu kwiimarike zezemali. Ngokunyanzeliswa okubonakalayo kwezithuba zokuthenga kubathengisi.
• Irhafu ephantsi yenye isimemo sethemba ukuze iingxowa zikwazi ukunyuka, nangamandla amakhulu. Ungaya kwiimarike apho ukuphumla okanye unyango lwerhafu ngokungathandabuzekiyo luya kuba luncedo ngakumbi kwimidla yabarhafi.
• Unyuso lwerhafu ayisiyonto nje ilungileyo ukuba inxulumene nelizwe lemali. Kodwa inefuthe kwisigqibo esikhulu kwi iindleko oza kuba nazo kutyalo-mali kumiselwe ngokusesikweni ngenzuzo eyinkunzi. Zombini ekupheliseni imisebenzi, njengakwisibhengezo sengeniso.
• Lo mbandela ifuthe kwiimpawu ezinobundlongondlongo ngakumbi kunezo zithathwa njengexabiso lokusabela. Oko kukuthi, abo usesikhundleni esifanelekileyo sokwenza ibhegi yokonga ezinzileyo kwixesha eliphakathi nelide. Yinkcukacha encinci enokuchaphazela isikhundla sakho esivulekileyo kwiimarike ze-equity.
• Inkqubo ye- Amatyala kufuneka uvule izikhundla kwiimarike zezemali. Ukuya kuthi ga kwinqanaba lokuba ube nakho ukubeka umngcipheko ngokubhekisele kwiimali onokuthi uzinikele kule asethi yemali eyenziwe ngokusemthethweni kwimarike yemasheya.
• Njengoko unokubona kwezi meko, iya kuba ngumlinganiso oya kukunceda ukonyuse utyalomali lwakho. Hayi ngendlela enomtsalane, kodwa kunokuba kuncitshiswe kwiziphumo zayo. Kodwa oko kuya kusebenza ukufika ekupheleni konyaka kunye nokuma okukhulu kwiimarike ezikhethiweyo.

Izigqibo kunyango lwerhafu

Isishwankathelo, awungekhe ulibale ukuba yimeko apho uya kuhlala uzuza khona. Ukusuka kwiindawo ezininzi zokujonga: ukusebenza, ukusebenza, iikhomishini kunye nobutyebi obubanzi kunokuba bekulindelwe. Kuya kufuneka ulisebenzise kangangoko unako ndaza ndacazulula zonke izicwangciso onazo zokonga imali yakho.

Oku akuthethi ukuba iimarike zentengiso zihlala zikwi-uptrend ixesha elide. Kodwa ngokuchaseneyo, kuya kuxhomekeka kwezinye izinto ezihambelana kakhulu notshintshiselwano. Kuphela ukuba zombini ziyafana ziya kuba ukongeza inkuthazo ukuze wandise izikhundla zakho kwezi marike. Kumanqanaba ocinga ukuba afanelekileyo ukukhusela umdla wakho njengotyalomali oluncinci noluphakathi. Kuba ngokwenyani, iimeko ezahlukeneyo zinokuqwalaselwa kwaye ezinye zazo zinomdla kakhulu ekufezekiseni iinjongo zakho.

Okokugqibela, ayisiyiyo kuphela unyango lokuphumla elungele utyalomali. Kodwa ukwenza ngokusemthethweni naluphi na uhlobo lwemveliso yebhanki (iidipozithi zekota, amanqaku ezithembiso okanye ityala loluntu, phakathi kwezona zibalulekileyo).