Isahlulelo siyinxalenye yomvuzo kubanini zabelo ukuba uninzi lweenkampani ezidwelisiweyo zabelana ngenzuzo yazo. Yindlela yokuvuza nokusasaza izibonelelo phakathi kwabo banezihloko zenkampani. Nangona kunjalo, kukho iiprofayili ezahlukeneyo zabatyalomali, ukuba iintlobo ezahlukeneyo zabantu zikhona. Umbuzo abaninzi abawubuzayo ngowokuba mabenze ntoni ngezahlulo abaza kuzifumana. Elinye lawona mathuba adumileyo kukuphinda kutyalwe izabelo.
Chaza ukuba loluphi uhlobo lweprofayile yomtyali maliNokuba uhamba ixesha elide okanye elifutshane, okanye ukuba ukwinkampani enomdla kakhulu kuwe okanye hayi, le yimibuzo ekufuneka iphendulwe. Ngale nto, uya kuba nakho ukwenza izigqibo ezingcono malunga nendlela yokulawula imbuyekezo efunyenwe zizabelo. Ngamanye amaxesha, ayizukufana imeko yobuqu, amabhongo, iimfuno okanye ngaphaya kokobuqu… ukuthembana onakho kwinkampani. Kuya kubakho amaxesha apho kuya kuba mnandi okanye kunganomdla kangako ukutyala imali kuwo, kwaye wenze ibhalansi elungileyo kwiinjongo zakho, kuya kukusa kwicala olifunayo.
Iziphumo "zomdibaniso odibeneyo"
Enye yeziphumo esinokuziqaphela kwixesha elide emva kokuphinda kutyalwe izabelo kulowo wenzala edibeneyo. Olu hlobo lotyalo-mali lusekwe kwimbono yokongeza inzala eveliswe kwinkunzi ebinayo. Ngale ndlela, kunyaka olandelayo inzuzo ayifumaneki kuphela kwikomkhulu elinye, kodwa nakwimali eyinkunzi kunye nenzala. Imbuyekezo iyonke iphezulu kancinci, kwaye ukuqhubekeka kolu hlobo lokuphinda utshale imali kwixesha elide kuhlala kuzisa izibonelelo ezininzi kunokuba, ngokuchaseneyo, asikaze siyonyuse imali ebinikelwe kuqala.
Kukwakhona eyaziwa njengelwimi yesitalato njenge "isiphumo seqhwa." Isiseko saso sisekwe kwimodeli ebhekisa ekuphoseni ikhephu ekwehleni. Ekuqaleni, iya kubamba iiflakes ezimbalwa njengebhola encinci. Xa ibhola ihla, iya kukhula kwaye inyuke ngobukhulu. Ekugqibeleni, kuya kubakho ikhephu elikhulu kakhulu.
Ukufumana umbono wokwahluka okunokufezekiswa ngokutyala imali, sinokucinga ngokuvela kweentlobo ngeentlobo zeephothifoliyo. Kuyakubakho ezinye ezinezahlulo eziphantsi, enye eneenkampani ezinezabelo eziphezulu, njl njl. Masibone ukuba yeyiphi inzuzo enokuthi ifumaneke ngembuyekezo eyahlukileyo, ezinye ngaphandle kokuphinda wenze imali, kwaye ezinye ziphinde zenze imali. Iminyaka engama-30 yeyemfundo nje, ngengqiqo yokuba kutyalo-mali olunqabileyo luya kuba lude kakhulu, kodwa kuyasebenza ukubhekisa kutshintsho olwenzekayo.
Uqikelelo lokwahluka phakathi kokungavuni mali kwaye ungavuni izabelo
Emfanekisweni unokubona umahluko kwixesha elide kwikomkhulu lokuqala. Ukuqala kutyalo-mali lwe-10.000 euros umzekelo, sifumana iimeko ezimbini ezahlukeneyo. Imeko yokuqala apho ingqokelela yesahlulo ingaphinde ityaliwe, kwaye imeko yesibini apho iphinde yafunyanwa kwakhona. Kumatyala omabini kucingelwa ukuba izabelo zibanjiwe kule minyaka idlulileyo, kungenjalo ukuqokelelwa kwezahlulelo bekungazukwenzeka.
- Ulwabiwo kwi2%. Njengoko sesona sabelo sisezantsi, umahluko esinokuwubona kwixesha elide mncinci kakhulu. Okwangoku, kukho umahluko omncinci emva kweminyaka engama-30. I-16.000 ye-euro ukuba akukho nto iphinde yafunyanwa kwakhona, ukuya kwi-18.113 ye-euros kwimeko yokuphinda uthengise izabelo.
- Ulwabiwo kwi4%. Kwi-4% singathetha ngokwahluka okuphawulekayo. Emva kweminyaka engama-30, iingqukuva ezichaphazelekayo ziya kuba ngama-22.000 euros angaphinde abuyiswe xa kuthelekiswa ne-32.433 ye-euro kwimeko yokuphinda uthengise kwakhona.
- Ulwabiwo kwi6%. Ewe, ukufumana ezi mbuyekezo akuqhelekanga, kwaye kumaxesha anqabileyo kuya kubakho. Nangona kunjalo, kukho iinkampani ezinezabelo ezinkulu. Kwezi meko, kwaye ukuba le mivuzo "iqhubela phambili", singafumana ipotifoliyo kwiminyaka engama-30 enokuqokelela ama-28.000 euros ukuba ayiphindanga yaphinda yathelekiswa, xa kuthelekiswa nenye engama-57.435 eyayinokuphinda ibuyiswe.
Xa ukuphinda kutyalwe izabelo ayisiyonto ilungileyo
Amathuba esinokuthi sikhethe kuwo amaninzi. Ngamanye amaxesha ngenxa yobuqu okanye ezinye iimeko zentengiso. Ukwahlulahlula kunika amatyala, kodwa ukuphinda utyale loo mivuzo iya kuba sisigqibo sokwenza ngokuxhomekeke kwimeko ezinokuvela. Kumatyala alandelayo ungabona ukuba kutheni kwaye kutheni kungacetyiswa ukuba ungabuyisi imali oyifumene kwinkampani enye.
- Imfuneko yokuhlawula amatyala. Ukulindela iindleko ezinokwenzeka kunye nokungabinayo imali eyoneleyo ekhoyo iya kuba zizizathu zokukhetha olu khetho. Akukho mntu unomdla wokuthatha imali mboleko ngepesenti ephezulu kunesahlulo esifunyenweyo. Iya kuba yeyiphi ingqiqo ukuchitha ipesenti ephezulu yenzala kunokuba ihlawuliswe?
- Iimeko zentengiso azilunganga. Kungaba ekugqibeleni ukuba imarike ithathwa njengebizayo, kwaye akukho ndawo yokuphinda uyibuyise. Nangona ii-simulators zibonisa ukuba ukutyala kwakhona kukukhula kwemali kwixesha elide, sonke siyazi ukuba ukuthenga ngamaxesha abizayo asiyongcamango ilungileyo. Umgaqo wokumisela ukuba intengiso ibiza kakhulu okanye ngexabiso eliphantsi sele iza kuba phantsi kohlalutyo oluthile olwenziwa ngumtyali mali ngamnye.
- Kukho iinkampani ezinomtsalane ngakumbi zokutyala imali kuzo. Ayisoloko ingumbono olungileyo ukuphinda utyale izabelo kwinkampani enye esifumana kuyo. Umzekelo oqhelekileyo, xa kusasazwa izabelo ezingaphezulu kunezibonelelo ezifunyenweyo. Oko kukuthi, intlawulo enkulu kune-100%. Ukukhangela ezinye iinkampani "ezinomtsalane" yenye into.
- Akucaci ukuba wenzeni. Ukuqonda ukuba kukho ukungaqiniseki akulunganga. Into engxamisekileyo iya kuba kukungena kwi "into ekufuneka yenziwe." Ukungenzi nto sisigqibo, kwaye ngamanye amaxesha kuya kufuneka senziwe. Kungekudala okanye kamva ixesha lihlala lifika xa kukho ithuba, kwaye kwimeko embi kakhulu, kuya kubakho ukuhlawulwa kweemfuno ezinokubakho.
Izigqibo
Ukuphinda kutyalwe izabelo okokoko sinemali enkulu kwaye umdla wethu kukuyonyusa, iya kuba yinto elungileyo ekuhambeni kwexesha. Sibonile ukuba ukunyuka akusoloko kuqaphela, kodwa kuya kuhlala kunjalo. Ukwengeza, Ukuchaza iinjongo, ukuhlalutya iimeko kunye nokujongana neemfuno zomntu kuya kubaluleka ekuthathweni kwezigqibo. Ukuba ulawulo lwenkunzi oluncomekayo lwenziwe ngokuchanekileyo, luya kukhokelela ekwandeni kulo.
Ukuba unomdla wokwazi iinkampani eziphakamisa igalelo kulo nyaka, ungalibali ukutyelela iphepha elilandelayo!
