Ngokwedatha yamva nje evela kwiBhanki yaseSpain, i-avareji yenzuzo yedipozithi yebhanki iqhubekile nokwehla nge-2017 de yafikelela entsha Ixesha lonke liphantsi kwi0,08%. Oko kukuthi, iipesenti ezingama-0,02 amanqaku angaphantsi kunakwinyanga ephelileyo. Kutheni le nto imeko yokufumana inzuzo kwiidipozithi zebhanki isancipha? Iya kuba njani imeko kwinzuzo yeedipozithi zebhanki kwi2018? Le yeminye yemibuzo ebuzwa ngabanye babasebenzisi okwangoku.
Kodwa inye inkalo ekusenokwenzeka ukuba awuzange uyiqwalasele. Kwaye yile inxulumene nemfuno yokuhlawula amatyala ngexesha elithile kutyalo-mali lwakho. Ujongene nesidingo sokujongana nezinye iindleko ezingalindelwanga, thobela amalungelo akho erhafu okanye uvele Hlawula elinye ityala. Kule meko, kwenzeka ntoni kanye ukuba ulondoloze imali yakho kwirhafu yekota? Ewe kuya kufuneka unikele ingqalelo kuba unokuba nangaphezulu kwesinye ingxaki ukwenziwa ngokusemthethweni kwalo msebenzi.
Ukusuka kule meko ngokubanzi, kuya kufuneka ukhumbule ukuba unokuyifumana imali kwiidiphozithi zekota. Kodwa banokuthi bachaze izohlwayo ezihamba kuluhlu oluya ukusuka kwi-1% ukuya kwi-3%, kwinzuzo efunyenweyo. Ukuziqhelanisa kunokuthetha ukuba ayisiyonto inenzuzo kuba iindleko onokuba nazo zichaphazela kakhulu. Ewe kunjalo, yimeko ekufuneka uyiqwalasele ngaphambi kokuqesha le mveliso ukuyigcina. Into engasoloko isenzeka kwizenzo ngabathengi bebhanki.
Kuthekani ngokuhlawula ngohlobo oluthile?
Ewe kukho iimeko ezizodwa kakhulu. Njengokuba kunjalo kwiidiphozithi zohlobo oluthile, oko kukuthi awenzi njalo nikela ngemali, ukuba akunjalo, ngokuchaseneyo, bakunika izipho zohlobo olwahlukileyo. Ewe, zikwezi modeli zokonga apho uya kuba namathandabuzo amakhulu nokucinywa kwale mveliso yebhanki. Ewe, kule meko awuyi kuba nakho ukuhlawulela imali oyigcinileyo. Awusenaso esinye isisombululo ngaphandle kokulinda umhla wokuphelelwa kwawo kwaye uzinikeze imali yokulawula iindleko oza kuthi ujongane nazo ukusukela ngoko.
Ngale ndlela, olu didi lweemposiso lufana kakhulu nezo intlawulo kwangaphambili okanye yenziwe ekuqaleni kokumiselwa kwayo. Kwezi meko, awuzukukwazi ukwenza uhlangulo nokuba kukwimeko ezilungileyo baya kuyiphungula kwizibonelelo eziveliswe ngalo mzuzu. Ngayiphi na imeko, ziimodeli ezinengxaki kwaye kuya kufuneka uqikelele ukuba kwenzeka ntoni ngolondolozo lwakho. Ngenxa yokuba ungathandabuzi, unokuba nesothuso esingaphezulu kwesinye esibi ukususela kumzuzu wokuqeshwa kwakho.
Ukuhlawulelwa okukhethekileyo kunye okupheleleyo
Enye yeemeko ezinokuthi ngokungathandabuzekiyo zivele kukuba unokwenza uhlangulo olukhethekileyo okanye olupheleleyo ngaphandle kwalo naluphi na uhlobo lwezohlwayo kunye nenkcitho kulawulo lwabo. Nangona kunjalo, kuqhelekile ukuba ukuba wenza lo msebenzi awuzukukhetha kodwa thethana ngenzuzo zerhafu ebhalisiweyo. Kwaye ngenqanaba lenzala lingaphantsi kunangaphambili. Ngethontsi leshumi leepesenti ngokuthelekiswa nesindululo sokuqala. Apho kuzo zonke iimeko uyakulahleka kuba umvuzo wakho uzakuba mbalwa kunangaphambili. Ukuya kwinqanaba lokuba baya kunika eyona nzuzo iphantsi.
Enye yeengxaki ngokusebenzisa esi sicwangciso kukuba ekugqibeleni uya kufumana imali encinci kakhulu, kwimveliso yebhanki esele yehlisiwe. Ngenxa yesibakala sokuba okwangoku ixabiso lemali kwindawo ye-euro likwi-0%. Oko kukuthi, uyakufika kwisigqibo sokuba akufanelekanga ukubhalisela le mveliso yebhanki kwimida ebuthathaka emvuzweni. Ukuya kwinqanaba lokuba uphulukane namandla okuthenga ngenxa yexabiso elinyukayo lobomi eliboniswa kumaxabiso esalathiso somthengi, esaziwa ngcono njenge-IPC.
Akukho zihlwayo okanye iikhomishini
Kwelinye icala, zikhona ezinye iimodeli zokonga ezivumayo oku kunokwenzeka. Ngamanye amagama, unokwenza intlawulelo ekhethekileyo okanye iyonke ngexesha lokufakwa kwemali kubhalisiwe. Kodwa phantsi kweemeko ezininzi ukuba ufanele ukwazi ukusuka kumzuzu wokuqala. Kuba phakathi kwezinye izizathu, isicwangciso-qhinga sentengiso esiza kusebenza kuwe ukusuka kumzuzu wokuqala siya kusekelwa ekuboneleleni ngentlawulo encinci kunaleyo bekuvunyelwene ngayo ekuqaleni xa usayina irhafu. Kodwa ngokuqinisekileyo ukuba awuyi kusetyenziswa naluphi na uhlobo lwezohlwayo nangaliphi na ixesha. Nokuba kukwifomathi yekhomishini okanye ezinye iindleko zolawulo.
Ewe, oku kuya kuba yinto efanelekileyo ngakumbi kwiminqweno yakho kuba awuyi kulahlekelwa yimali ekusebenzeni. Endaweni yokuba le ntshukumo iya kusekelwa kwinto yokuba unenqanaba lokhuphiswano oluncinci kunangaphambili. Oko kukuthi, iya kuthabatha i-euro ezimbalwa ekusebenzeni kwezi mpawu. Kodwa ubuncinci ungayicima idiphozithi ngeziqinisekiso ezinkulu Ukujongana neemeko zokuhlawula amatyala ezivela ngoku. Esona sesona sisombululo sisiso esibi onaso ngoku.
Zichaphazeleka njani izohlwayo?
Enye yezinto ekufuneka uzivavanye malunga nolu hlobo lweentshukumo kulondolozo yindlela ezi zohlwayo eziza kukuchaphazela ngayo ukusukela ngoku. Ewe, ezi khomishini azisayi kusetyenziswa kwi Imali iyonke yolondolozo. Ewe akunjalo, kodwa kuyakwenziwa kwikomkhulu elisisifundo sokucinywa kwangoko. Ngelixa kwelinye icala, ayizukuchaphazela lonke ixesha lokunyanzeliswa kokumiselwa. Ngokuchasene noko, kuya kuba lixesha elibandakanya umhla wokurhoxiswa kunye nokuphelelwa kwawo. Intsalela ayizukutshintsha ukuba ukhetha ukuyirhoxisa le mveliso ukuyigcina.
Ngale ndlela, kubaluleke kakhulu ukuba leliphi ixesha elikhethiweyo lokuhlala. Kungenxa yokuba inokuba njalo 3, 6, 12, 24 okanye iinyanga nangaphezulu. Apho ayisayi kuhlala inesiphumo esifanayo kwiingcaciso ezinikwe apha ngasentla. Akumangalisi ukuba ukurhoxiswa kwerhafu yexesha elifutshane akufani nezo zibonelela ngamaxesha angaphezulu kweenyanga ezingama-20. Ukwahluka kwabo kwinqanaba lenzala abaya kukunika lona kuya kwahluka kakhulu. Kwelinye icala, awungekhe ulibale ukuba ixesha elide lixesha, kuya kuba nzima ngakumbi ukwenza lo msebenzi.
Khetha amaxesha amafutshane
Ukuba awufuni kuba neengxaki ezigqithileyo ngolu hlobo lwemveliso, kuya kuba ngcono ukuba ukhethe ifayile ye- Amagama amafutshane kwintengiso. Ukongeza, umahluko kwinzuzo awuyi kuba banzi kakhulu kunye nezibonelelo ezibonelelwa ngamaziko emali ngeli xesha. Uya kuyeka kuphela ukufumana izishumi ezimbalwa zepesenti engaphantsi. Kodwa ngoncedo olukhulu lokuba kuwo onke amathuba ngekhe wenze naluphi na uhlobo lokurhoxisa. Akukho nxalenye okanye ngokupheleleyo, ngoko awuyi kuba nezohlwayo okanye iikhomishini. Ewe kunjalo, ngeli xesha kuya kuba kufanelekile ukukhetha esi sicwangciso sokugcina.
Kwelinye icala, kuyakufuneka ukuba uvavanye ukuba kunenzuzo na ukuhlawula le khomishini, kuba ngokuqinisekileyo lo msebenzi wobalo-mali uza kukunika ukufunxa inxalenye enkulu yomdla opapashiweyo ekuqaleni. Ngelixa ukhetha ixesha elide, uya kuhlala unomngcipheko omkhulu wokuba ungadinga imali yokuhlawulela isikolo sabantwana, uxanduva lwakho lwerhafu okanye naliphi na ityala elingekahlawulwa phambi kwabantu besithathu. Ngale nto ekugqibeleni awuyi kuba nesinye isisombululo ngaphandle kokutsala ukonga okuqokelelweyo ngokudiphozitha ixesha. Ngale nto ekugqibeleni uza kuphulukana namandla okuthenga kulwakhiwo lwalo msebenzi sithetha ngalo kweli nqaku.
Ingcebiso ngokurhoxisa
Ukuba ufuna ukwandisa le ntshukumo iya kubonakala kwingxelo yakho yengeniso, akukho nto ilunge ngaphezu kokungenisa uthotho lwezikhokelo zomsebenzi. Ukuya kwinqanaba lokuba iya kuba luncedo kakhulu ukuba ungumsebenzisi oqhelekileyo wolu hlobo lweemveliso zebhanki. Umzekelo, kwezi meko zilandelayo sikubhengeza ngezantsi.
- Okokuqala kukuqiniseka ngenene imeko apho ukonga kwakho kuya kubakho ukuba kuye kwafuneka babahlangule.
- Yazi ukuba leliphi ixesha elibekiweyo nokuba bayakuvuma na ukurhoxiswa, kwaye ngakumbi phantsi kwaziphi iimeko ezinokuthi zenziwe zibe semthethweni.
- Xabisa i Imihla ebekiweyo ekulungeleyo Ukujongana neemeko zemfuno yemali kwaye ezichaphazela ngokubanzi amagama amafutshane, ngaphantsi kweenyanga ezi-6.
- El umngcipheko onokuthi usebenze ukuba urhuma enye yezi mveliso zebhanki. Ukusuka kwindawo yokujonga ukuba ungabahlangula kwikamva elingekude kakhulu.
- Ukuba kufanelekile ukuba ukhethe abanye iimodeli zotyalo-mali eziguquguqukayo ezikuvumela ukuba ubuyise imali ngaphandle kwazo naziphi na iingxaki. Umzekelo, imali yotyalo-mali, zombini ingeniso esisigxina kunye neyahlukileyo.
- Zibuze ukuba mhlawumbi inzuzo ebhengezwe ngamashishini ebhanki Ayisiyiyo le nto uza kuyibiza. Kodwa iya kuba yimali encinci kakhulu kwaye iya kukwenza uzibuze ukuba kufanelekile na ukuba usayine le khontrakthi ukusukela ngoku.