Ngokuqinisekileyo oku kuye kwenzeka kangangezihlandlo ezininzi. Vumela iibhanki ngokwazo zikwenze ngokwakho i ngcebiso ukutyala imali kwizabelo. Kunye iziphumo eziphikisanayo nezingalinganiyo ngokweziphumo abazenzele zona. Ngaba le mikhwa yokubhankisha ingakwenzakalisa kangakanani? Kungenxa yokuba ngaphezulu kwesimo esinye ngekhe ibe yeyona nto ibalaseleyo oye wakwazi ukuyenza kwiimarike zezemali.
Kungenxa yokuba, indlela ekufuneka uyihlalutye kukuba ujongana nebhanki, hayi nenkampani yotyalo-mali. Umahluko ophawuleka kakhulu kwiimodeli zombini zeshishini. Awunakho ukulibala ukuba zahluke ngokupheleleyo. Ukusuka kule meko, kwaye ngokomgaqo, abasebenzi bebhanki akufuneki babe nolwazi olufanelekileyo kakhulu kwicandelo lotyalo-mali. Inani lakhe ngokwesiko lisekwe ekuzameni ukuthengisela ezona mveliso ziphambili iqhutywa kwiziko lakho lemali.
Kwaye awungekhe ulibale ukuba ngale mihla kupapashwe inqaku lolwazi yiBhanki yaseSpain ngengqondo yokuba inkonzo yabathengi yebhanki yaseSpain ayisiyiyo eyaneleyo. Ukubonisa ukusilela okuninzi okufikelela nakwilizwe lotyalo-mali. Ayothusi into yokuba bakwi- uxanduva lokuxela umngcipheko ozivelelayo kuqeshiso lweemveliso eziphambili zezemali. Apho utyalomali kwiimarike zesitokhwe nalo lungabandakanywa.
Amabhanki: ungabamamela?
Omnye wemibuzo ekufuneka uzibuze wona ukusukela ngoku ukuya phambili ngowokuba uyalwamkela na ingcebiso ekubonelelwa yibhanki. Ewe, kuya kufuneka uhlukanise phakathi kwabasebenzi nokuba yintoni amasebe akhethekileyo kwizabelo. Ngokuphathelele uluvo lwangaphambili, kungcono ukuba ungaluthatheli ngqalelo. Ngenxa yokuba bethetha inyani, kunokuba njalo ukuba banemibono embalwa yokutyala imali kwimarike yemasheya kunabanye babathengi babo. Ukuya kwinqanaba lokuba banokukungenisa kumzuzu ngamanye amaxesha nangaliphi na ixesha.
Kwezi meko, ukuba kufuneka ulawule utyalo-mali lwakho, zikhawulele kwiinkqubo zolawulo kodwa kungabikho nto iyenye. Kuba banokukunika iingcebiso ezingalunganga. Kwaye ekupheleni kosuku nguwe otyala imali kwaye nokuba uza kulahla ntoni ukuba izinto aziveli njengoko ulindele. Ukusuka kwimbono, kuya kufuneka ulumke ngakumbi kuba unakho ndikubone untywiliselwe kwimeko engalindelekanga. Ngesizathu esicacileyo kwaye ayikho enye into ngaphandle kokungaphenduli ukuba ngubani omele uyenze. Le yimeko amawaka namawaka abasindisi abaye bahlangabezana nayo kule minyaka idlulileyo. Ukuya kwinqanaba lokuba isenokuba nguwe.
Ukongeza, ngokuqinisekileyo baya kuba negalelo elincinci kakhulu kolu hlobo lotyalo-mali. Ngaphandle kokwazi ukuba ngawaphi amaxabiso abuthathaka ekufuneka eqeshwe ngalo lonke ixesha. Ngale ndlela, unokuzenzakalisa ngaphezu kwenzuzo. Ukuthintela ezi meko zingathandekiyo, kungcono ungazami ukufuna iingcebiso kubo malunga nokuba wenzeni ngemali yakho ngokunxulumene neemarike zezabelo. Musa ukuwela kule mpazamo ukuba awufuni ukuhlawula kakhulu ukususela ngoku ukuya phambili.
Amasebe otyalo mali
Enye into eyahlukileyo kakhulu ngamacandelo esitokhwe okanye otyalo-mali uninzi lwamaziko emali analo. Banabasebenzi bafaneleke kakhulu oko kunokukunceda utshatise utyalomali kwasekuqaleni. Ukongeza, yinkonzo yasimahla ngokupheleleyo engayi kukuhlawula i-euro enye. Ekuphela kwemfuneko yokufikelela kwesi sibonelelo kukuba ngumthengi weziko lezemali. Kwimeko ezithile kuphela, apho baya kufuna ezinye iimfuno ezongezelelweyo. Umzekelo, ukuba neakhawunti yokhuseleko okanye ukubhatalwa ngqo kwetyala. Ngale ndlela, ukufanele ngokupheleleyo ukufumana zonke izibonelelo zayo.
Amasebe otyalo mali eebhanki ayilelwe ukukunika zonke iindlela zokunyusa ukusebenza kwakho kwiimarike zezemali. Ayisiyo kuphela yokuphakamisa amaxabiso asemgangathweni kunye neeasethi zemali ngawo onke amaxesha. Kodwa kwakhona ukukunika iingcebiso eziluncedo ngakumbi zifumana inzuzo engcono malunga nolondolozo onalo kule misebenzi. Ayipheleli kwicandelo lezabelo zamashishini kuphela, kodwa nakwingeniso emiselweyo okanye nakwezinye iimodeli. Esi ke sisixhobo esinokukunika ukhuseleko olukhulu ukuvula okanye ukuvala izikhundla kuyo nayiphi na intengiso yemali.
Ngokubhankisha kwi-Intanethi
Ngokwesiqhelo la macandelo anokufunyanwa ngobuchwephesha be-telematic kwaye ngakumbi kubuchwephesha obutsha. Ukuba ungomnye wabathengi bemveli abanqunyelwe kumasebe ebhanki, kuya kuba nzima ngakumbi. Kuba, ezi ziteshi azinabasebenzi abafunekayo kwiimfuno ozifunayo. Kuya kufuneka ubhenele emnxebeni ukuze ufezekise iinjongo zakho. Kodwa ngaphezu kwako konke ngekhompyutha ngokubhankisha kwi-Intanethi. Akumangalisi ukuba yinkqubo eqokelele le nkonzo.
Ukubhankisha kwi-Intanethi kukunika phantse yonke into ukuze ulawule kwaye utshintshe utyalomali lwakho. Kananjalo ngaphandle kokuchitha i-euro enye. Ukongeza ekubeni ngumthengi, baya kufuna ukuba ube nesitshixo kunye negama lokugqitha ngenisa iwebhusayithi yakho. Xa uyifumana, uya kuba nakho ukwenza zonke iinkqubo kwicandelo lotyalo-mali. Ukusuka ekuthengweni nasekuthengiseni izabelo kwiimarike zemali ukuya kugqithiso kutyalo-mali lwakho. Kodwa ezi zihamba ngakumbi, kuba zandisa izibonelelo zakho.
Kuba, ngoku, unokufikelela kwiipotifoliyo zotyalo mali ezenziwe ngokukodwa ziibhanki zabathengi babo. Kukwacetyiswa amaxabiso asemarikeni angcono onokuthi usebenze, nokuba unento eyongeziweyo enje ngexabiso ekujoliswe kulo abalinika ezi asethi zemali. Kwelinye icala, bayakucacisa nakwiwebhu ukuba ungasebenza njani kwezinye iimveliso zemali ezinzima ngakumbi. Phakathi kwazo, ezivela kwezinye, iziqinisekiso okanye ukuthengiswa kwetyala. Unokudibana namava ngokulinganisa ukuba amaziko emali anakho ukuze ufumane ulwazi olungakumbi lokuqala ukusebenza.
Ixabiso leeflethi kwi-stock exchange
Ngayiphi na imeko, esinye sezibonelelo zeebhanki ezithile kukuba zinamazinga okhuphiswano ngakumbi okuphucula iintshukumo zakho kwizabelo. Ngokukodwa ngokwendlela ekuthiwa ziirhafu ezicwangcisiweyo onokuthi ugcine ngayo imali eninzi minyaka le. Okungaphezulu kunokuba unokucinga ngoku. Kuba bayakuvumela ukuba wenze imisebenzi emininzi njengoko ufuna ngexabiso elifanayo. Yi ixabiso elimthebelele eyahluka ukusuka kwi-18 kuye kwi-30 i-euro rhoqo ngenyanga. Kuyacetyiswa kakhulu ukuba ungumtyali mali osondele kakhulu kwiimarike zemali.
Nangona ezi ntlawulo zichaphazela kuphela iimarike zelizwe, kwezinye izibonelelo zebhanki zandiswa kwiimarike ezingaphandle kwemida yethu. Nangona kunexabiso eliphezulu xa kuthelekiswa nenqanaba langaphambili lemarike yemasheya. Ziyasebenza kuzo zombini ukuthengisa ngokusesikweni njengokuthengisa. Nangona igalelo lalo eliphambili kukuba unokwenza imisebenzi ayinasiphelo. Kuphela kwento oyinyanzelayo.
Landela ingxowa evela kwiselfowuni yakho
Ukuphuhliswa kobuchwephesha obutsha kuchaphazela nezenzo zakho. Kuba unokulawula utyalo-mali lwakho kwezi ndlela zonxibelelwano. Kuya kufuneka ukhuphele kuphela isicelo esifanelekileyo kwaye uqalise ukurhweba kwimarike yemasheya. Okanye ukuba ukhetha nezinye iimveliso zemali. Kule meko, ayizukufuna nayiphi na imali. Ukuba ngumthengi weziko lezemali kuya kuba ngaphezulu kokulingeneyo ukuba nejelo lonxibelelwano elitsha.
Olunye uncedo olunikwa leli jelo lobuchwephesha kukuba ukusukela ngoku uya kuba nakho ukutyala imali oyigcinileyo naphi na nangaliphi na ixesha. Ukusuka emsebenzini wakho okanye xa uchitha iholide yakho efanelekileyo elunxwemeni. Akumangalisi ukuba imisebenzi oyenzayo kwiselfowuni yakho iphantse ibe ngexesha lokwenyani. Ngemizuzwana embalwa yokulibaziseka eyokukunceda wenze yonke imisebenzi oyenzileyo ngokusesikweni kule ndlela yobuchwephesha. Ngolwazi olongeziweyo uya kuba nedatha yokwenyani kumaxabiso ee-indices eziphambili.
Elinye lamagalelo afanelekileyo oya kuba nawo kwiselfowuni yakho kukuba uya kuba nolwazi ngakumbi kunamanye amajelo aqhelekileyo. Awuyi kuba nayo nayiphi na imali, okanye iikhomishini zomsebenzi owenziweyo. Ngokujonga okwenyani kwexesha lobume botyalo-mali lwakho. Ukuze ngale ndlela, ungazilungisa naziphi na iimpazamo ozibophelele kuyo nayiphi na imisebenzi yakho. Ngesixhobo esifana neselfowuni ohlala usiphatha. Kwaye ungayisebenzisa ukwenza nayiphi na inkqubo okanye ulawulo kwiindlela zakho ezinxulumene nehlabathi elihlala linzima lemali.
Zonke ezi zibonelelo zezi unokuzihlakulela kwibhanki yakho yesiqhelo. Ngaphandle kweendleko okanye ukudityaniswa kwezinye izixhobo ezona njongo ziphambili kukukunceda wenze ukuba imali oyifumanayo yenzelwe inzuzo. Kuba ngokwenyani, akusafuneki ukuba uye kwisebe lebhanki. Njengakwelinye icala abazali bakho okanye ootatomkhulu bakho bade bayenza kwiminyaka embalwa edlulileyo.
Apho uya kuhlala unengcebiso okanye isixhobo ukuphucula ipotifoliyo yakho yotyalo-mali. Ngayiphi na imeko, awuyi kuba nesicwangciso esingcono kunokuba usidibanise nezinye iindlela ezisekwe, umzekelo, kwifayile ye- uhlalutyo lobugcisa, Chartism okanye nokusebenza kwezoqoqosho kweenkampani.