Enye yeenjongo zabatyali zimali abancinci nabaphakathi, ngaphandle kokufuna eyona nzuzo iphezulu kwimarike yemasheya, kukuzama ukunciphisa iindleko ezivela kwezi ntshukumo. Ewe akukho lula ukuzenza, kodwa zikhona iindlela ezinokuthatha zikuse kula manqanaba. Zombini kulawulo lotyalo-mali nakwiimveliso ezinesivumelwano. Ukuze ukuphela konyaka ukwazi kuzuzwe ulondolozo olukhulu onokuzisebenzisela ezinye iimfuno kubomi bakho bobuqu okanye bosapho.
Nangona usazi ukuba eyona nto iphambili kule misebenzi kukuphumeza eyona nzuzo iphambili kuba esi sicwangciso sotyalo-mali yinto yesibini ukunqanda ukuchitha imali eninzi kwi thenga kwaye uthengise iiodolo kutshintshiselwano. Kule meko ngokubanzi, ukonga okuphakathi kwee-euro ezingama-500 kunokufezekiswa, okunokunyuswa kuxhomekeke kwizinto ezivezwe ngumtyali mali ngamnye. Ngenxa yesiphumo sokuba inzuzo yemisebenzi iya kusebenza ngakumbi ukusukela kuloo mzuzu.
Ngelixa kwelinye icala, esi sicwangciso sotyalo-mali sinokwenziwa kwakhona kuxhomekeke ekusebenzeni kwintengiso yemasheya. Ngokuhamba kuzo kusengqiqweni ngakumbi, kulungelelaniswe kwaye oko kuya kuzama ukwenza ukuba yonke imisebenzi yezi mpawu ibe yinzuzo ngakumbi. Kwinto emiselwe njengenjongo ekufuneka uyifunayo ngexesha apho amaziko ebhanki egqibe ekubeni anyuse iikhomishini kunye nezinye iindleko kulawulo kunye nokugcinwa kolu hlobo lotyalo-mali. Nge-avareji enokuthi ijikeleze i-0,15% minyaka le. Nokuba yintoni enokwenzeka ngokudaleka kwiphothifoliyo yezokhuseleko.
Gcina imali ngezahlulo
Ukwahlulahlulwa yenye yeendlela ezithandwayo kubatyali mali abaneprofayile yokuzikhusela ngakumbi yokufumana imbuyekezo eyonelisayo kwimali abayigcinileyo. Ngokwe-avareji kunye nengeniso yonyaka kumaxabiso esalathiso esikhethiweyo sezabelo zeSpain 4,9%. Ngaphezulu kweemveliso eziphambili zebhanki kunye neziphumo zengeniso esisigxina. Umzekelo, iibhondi ezizimeleyo, iidipozithi zexesha elimiselweyo okanye iiakhawunti zesivuno esiphezulu. Isicwangciso esiliqili kule meko sinokubandakanya ukuqokelela izabelo ngokuthe ngqo kwaye sihlawuliswe kwiakhawunti yethu yokonga.
Ngaphezulu kwezinye iinkqubo zokuqokelela, ezinje ngezo zinikwe amandla ngokuthengisa amalungelo kwaye nangona zinokuba yinzuzo kakhulu, zivelisa iindleko ongenazo. Oko kukuthi, njengesiphumo seekhomishini zolu hlobo lokusebenza kunye nentshukumo malunga nee-euro ezingama-140 Ekuhlawuleni izabelo unokuthatha iirhafu ezimalunga nee-euro ezingama-15. Iyakuba sisixa ke ekuya kufuneka usitsale kwisibonelelo salo mvuzo wabanini zabelo. Kuzo kufuneka kongezwe irhafu ethathwe kuwe ngaphambi kokuba imali yesahlulo iye kwiakhawunti yakho yokujonga.
Ukusebenza kweqela kwelinye
Ngamanye amaxesha senza impazamo yokwenza imisebenzi emininzi kwiimarike ze-equity ngaphandle kokwazi ukuba ezi ntshukumo bohlwaywa ziikhomishini. Ukusuka kule ndawo yokujonga kukhethwa ngokwenyani ukuba uqokelele imisebenzi ibe nye kwaye usivumele ukuba sigcine imali kwezi ntlawulo. Ngokukodwa, kuluncedo kakhulu ukuya kwelona ziko lisezantsi lazo, eliya kuthi ekugqibeleni lisivumele ukuba sinciphise iindleko zokuthenga izabelo, ngamanye amaxesha kube neziphumo ezibabazekayo kwimidla yethu. Le yinkqubo esinokuthi siyisebenzise xa sithengisa ngamaxesha athile kwiimarike ze-equity.
Ngelixa kwelinye icala, akufuneki silibale ukuba iikhomishini kunye nenkcitho kulawulo zihlala zisohlwaya intshukumo yemali encinci ngaphezulu kweyona inzima. Ukongeza, yindlela yokugxininisa kutyalo-mali lwethu ngendlela elula ngakumbi kuthi sonke. Akunyanzelekanga ukuba ibe kwixabiso elinye lemarike, kodwa ngokuchaseneyo sinokuphuhlisa ipotifoliyo yamaxabiso ahlengahlengisiweyo kwiprofayili yethu njengabatyali mali abancinci nabaphakathi. Oko kukuthi, ukuzikhusela, phakathi okanye ubundlongondlongo okanye ukuqikelela ukuze siphumelele kuyo ngaphandle kokuthatha umngcipheko ngokungeyomfuneko.
Ulunge ngakumbi kuzwelonke kunakwamanye amazwe
Amaxesha amaninzi sityala imali yethu kwiimarike ezingaphandle kwemida yethu zininzi izinto ezinengqiqo. Senza ngokulinganisa nje okanye ngokucinga ukuba siza kwenza ukuba imali yethu yotyalo-mali ibe nenzuzo. Ewe, nangona oku kusebenza kwimarike yemasheya kunokuba kunenzuzo ngakumbi, iindleko zayo ziya kuhlala zibiza kakhulu kuthi sonke. Ngokunyuka kwee-commissions ezingama-20% okanye ezingama-30%. Le yimali esinokuyigcina ukuba sithathe isigqibo sokungashiyi imida yethu siyokusebenza kwiimarike zezabelo. Inokuba sisigqibo esihle kakhulu ziqulathe iindleko ukususela ngoku ukuya phambili.
Kwelinye icala, sihlala sinesibonelelo sokungasuki kwiimarike zezemali zikazwelonke kuba kukho uluhlu olubanzi lwezokhuseleko ngazo zonke iimpawu. Ayisiyiyo kuphela kwisalathiso esikhethiweyo, kodwa nakwesesekondari. Asinakulibala ukuba ngalo mzuzu imarike yesitokhwe kazwelonke ayifani neshumi leminyaka elidlulileyo kwaye kukho uluhlu olubanzi onokukhetha kulo. Ngandlela thile, akufuneki sishiye imida yethu ukuze ivule izikhundla kwimarike yemasheya. Ngaphandle kwenkolelo yabatyali mali abaninzi malunga nokusikelwa umda kuyo.
Fumana umrhwebi okhuphisanayo
Isithembiso sokusebenza kwintengiso yesitokhwe kwilizwe lethu sibanzi kakhulu. Hayi ngeebhanki kuphela kodwa ngazo zonke iintlobo zabalamli abasemthethweni bazo zonke iintlobo. Zineekhomishini ezingabizi kakhulu kwaye zinokunciphisa iindleko zale ntshukumo ukuya kuthi ga kwiipesenti ezingama-35 zexabiso lomsebenzi. Ukuya kuthi ga kwinqanaba abenza ngalo igalelo ukubonelela kunye nokunyusa oko kunokuba luncedo kakhulu kwimidla yethu yobuqu ukusukela ngoku. Kufuneka ubabonise kwaye ujonge ukuba iimeko zabo ziyahlangabezana neemfuno zethu kwicandelo lotyalo-mali.
Enye into ekufuneka ilungisiwe ngeli xesha yile inento yokwenza nobuninzi bokusebenza kwintengiso yemasheya. Ngengqiqo yokuba inani elikhulu kunokuba luncedo ngakumbi ukusebenzisa esi sicwangciso kulawulo lotyalo-mali. Ngokukodwa kubatyali mali abancinci nabaphakathi abaqhuba imisebenzi emininzi inyanga nenyanga okanye ubuncinci kwinxalenye entle yonyaka. Ukuze isiphelo solondolozo lubonakale ngakumbi kunokuba unokucinga kwasekuqaleni. Kungenxa yokuba, iyantlukwano kwinkcitho yemali inokuba ngaphezulu kokubaluleka ukusukela ngoku.
Khawulezisa imigaqo yokusisigxina
Inkohliso encinci onokuyisebenzisa ngoku ukufezekisa le njongo kwimali yakho yobuqu linda ixesha elide ukuthengisa izabelo. Ukuzama ukwandisa inzuzo kuyo yonke imisebenzi kwimarike yemasheya. Nangona kukho umngcipheko wokugqibela wokuba imeko inokuthi itshintshe nangaliphi na ixesha kwaye iphazamise isicwangciso esasiyilele utyalomali. Ngayiphi na imeko, yenye yeenkqubo ezisebenzayo esinazo okwangoku sonyusa ibhalansi yeakhawunti yethu yokonga.
Kananjalo asinakulibala ukuba esi sicwangciso sotyalo-mali sinokwenza ukuba ekugqibeleni unyaka nonyaka sibe nokonga okubalulekileyo kwiikhomishini ezifunekayo ngokuthenga nokuthengisa izabelo kwimarike yemasheya. Ngale ndlela, inokuba ngu intshukumo enenzuzo enkulu ukuba iimeko zeemarike zezemali azitshintshi kakhulu. Ngelixa okokugqibela, iyindlela eyanelisa kakhulu kweyona profiles yokuzikhusela okanye yolondolozo kubudlelwane nehlabathi lemali. Ayothusi into yokuba iinjongo zabo ayizizo iinjongo zokuqikelela, kodwa ngabatyali mali kuphela.
Iikomishini ezisezantsi
Ngokukodwa abatyali mali abenza imisebenzi emininzi ngonyaka, zombini ezijolise kwixesha elifutshane, eliphakathi okanye elide, banokuzifumana ngokwazo ngamaxabiso emarike yemasheya aqala ukuthengiswa ngamaziko emali ngakumbi nangakumbi. Ukuya kuthi ga kwinqanaba lokuba bavumela ukonga okubalulekileyo kwiikomishini zomsebenzi owenziweyo. Ireyithi yakho ikhoyo phakathi kwama-20 nama-30 eeyuro ngenyanga, kunye nomntu owenza imisebenzi emine ngenyanga, umzekelo, ukonga kunokuthetha malunga ne-30 ye-euro ngenyanga nge-avareji, eyanceda nokwandisa utyalo-mali.
Ireyithi ethe tyaba kwimarike yemasheya ivumela umsebenzisi ukuba enze imisebenzi yokuthenga nokuthengisa njengoko befuna, njengoko kunjalo ngomnxeba okanye ngeintanethi. Nangona ukusetyenziswa kwayo kungasasazekanga kakhulu kwicandelo lezemali, ikakhulu ligubungela iibhanki ezisebenza nge-Intanethi kunye okanye abarhwebi, kuzwelonke nakwamanye amazwe, zezona zibonelela ngeemeko ezilungileyo. Ngesicelo, zombini kwifayile ye- iimarike zokulingana kuzwelonke kunye nezo zingaphandle kwemida yethu. Nangona kusengqiqweni eyokugqibela zezona zinamaxabiso abanzi.