Ewe kwimarike yemasheya, enye yezona mpazamo zinkulu zinokwenziwa ngokungahlula phakathi kwento ebuyileyo kunye notshintsho kwindlela. Kakhulu ukuze ikwenze ukuba ulahlekelwe yimali eninzi kwimisebenzi eyenziweyo kwiimarike zezemali. Ukuya kwinqanaba lokuba kunyanzelekile ukuba uyazi hlula ezi ntshukumo zisisiseko kwimarike yemasheya. Ngomnye wemisebenzi ephambili yabatyali mali abancinci nabaphakathi kwaye ngale ndlela sinako Ndiza kukunceda ukulungisa lo mbandela ukuba ubonise kwiprofayili yakho njengomgcini.
Kwindawo yokuqala, ukubuyela kwimarike yemasheya ngokusisiseko kubandakanya intshukumo yethutyana kwaye ngaphezulu kwako konke ukugcina ixesha kuyingozi kakhulu ukwenza ulondolozo lube nenzuzo. Kungenxa yokuba, ukubuyela kwakhona kuqondwa njengokuziphatha apho iimarike zokulingana, emva kokuwa okubalulekileyo, amava okunyuka kwinqanaba elithile ngexesha. Nangona kunjalo, oku kunyuka akuzinzanga kwaye, nge-tango, ukuwa kwenzeka kwakhona. Ngomngcipheko olandelayo, isikhundla sakho esivulekileyo ngeli xesha lokunyuka kobuxoki.
Nangona kunjalo, kunzima kakhulu ukwazi ukuba ngenene yinyani okanye ngokuchaseneyo lutshintsho lwendlela, kule meko inamandla. Apho kuyakufuneka ubonise ukuba kukho ifayile ye- ukululama okwenene kwikowuteshini yamaxabiso. Esi sesinye sezona zitshixo zibalulekileyo zokwahlula ubuncinci ngokucacisa kancinci la manani mabini abalulekileyo emarike yemasheya. Ngale ndlela, unokwenza izigqibo zakho ngesiqinisekiso esikhulu sempumelelo kwaye uncike ekuthengeni okanye kwintengiso, kuxhomekeke kwimeko yokuba ii-equities zikhona ngalo mzuzu kanye.
Bounce: kurhwebo lwexesha elifutshane
Ngayiphi na imeko, ukubuyela umva kufanelekile ngakumbi yenza imisebenzi ekhawulezayo kakhulu nakwiseshoni efanayo yokuthengisa. Awunakho ukuyabela imisebenzi yokuqina okukhulu ngokwexesha layo. Kuba ubaleka umngcipheko ogqithileyo kwizikhundla ezivulekileyo eziza kukwenza ulahlekelwe yimali eninzi ukusukela ngoku. Awungekhe uyilibale ukuba awufuni ukwenza iimpazamo ezininzi onokuzisola ngazo ebomini bakho.
Olunye lweempawu ezibaluleke kakhulu kwinto eyaziwa ngokuba kukuphinda ubuye kukuba inxenye elungileyo yabatyali mali abancinci nabaphakathi, emva kokwehla okunzulu, jonga ukuba ixabiso lezabelo sele liwile kakhulu kwaye likujonga njengendalo ukuba ziyenzeka . kunyuka ngokuhambelana kwamaxabiso. Ukuya kwinqanaba lokujonga ukuba lixesha elifanelekileyo lokuthenga izabelo ngexabiso eliphantsi. Ukuza kuthi ga kwinqanaba lokwenza imisebenzi ibe yinzuzo ngokwembono yezobugcisa.
Isiko lembali ende
Ngale ndlela, ukubuyela kwimarike yemasheya yinto yesiko kule ntshukumo yokuphuhlisa. Akumangalisi ukuba zisetyenziswe amashumi eminyaka xa kuphuhliswa kakhulu ukuwa ngenxa yengozi kwimarike yemasheya. Ngenxa yokuba isaphulelo sisabela, mhlawumbi sinobundlobongela, kwezi ntshukumo kwiimarike zemali. Ke ukuze uyiqonde ngokucacileyo, sisicwangciso esiliqili kakhulu sokutshatisa ukubonelelwa kunye nemfuno. Kungenxa yokuba oku kungokumisa okomzuzwana ukuthengisa okwangoku kobunzulu obuthile.
Kwelinye icala, ukuba ukubuyela kwimarike yestokhwe kwahlulwa yinto, kungenxa yokuba ziintshukumo ezinobundlobongela. Oko kukuthi, zibaxwa kakhulu, kunye nokunyuka kwexabiso ingadlula kumanqanaba angama-2%. Apho umahluko phakathi kwamaxabiso aphezulu kunye nelona xabiso libanzi kakhulu. Kodwa kuthathelwa ingqalelo ukuba ezi ntshukumo ziya kuhlala ixesha elincinci kakhulu. Kungenxa yokuba banokuhlala iiseshoni ezimbalwa zokurhweba, kwaye kuyo nayiphi na imeko hayi ngaphezulu kweeveki ezimbalwa njengomda wokuqola kwabo. Ixesha onokuthi usebenze phantsi kwalo ngoku ngamandla kwaye unokukunceda wenze imisebenzi enenzuzo ejolise kwixesha elifutshane.
Luyintoni utshintsho kutyekelo?
Kwelinye icala, kukho omnye umntu ochasene ngokupheleleyo kwaye akukho namnye ngaphandle kotshintsho lwendlela. Ewe, le ntshukumo ayinanto yakwenza nokubuya kwiimarike zezemali. Kuba Umahluko kukuqina ngakumbi ngokunxulumene nobude bayo. Ukuya kwinqanaba lokuba utshintsho kwindlela yokuziqhelanisa lunokuhlala iminyaka emininzi, njengoko uza kwazi ngamava akho. Xa le meko isenzeka, lixesha lokuba uthathe isikhundla kwimarike yemasheya, nokuba kukwindlela enobundlobongela yokwenza imisebenzi ibe yinzuzo.
Elinye lamaqhosha okufumanisa ukuba sijamelene notshintsho kwindlela kuxa kukho utshintsho oluncinci okanye olunobundlobongela kwicala elinye okanye kwelinye. Ezi ntshukumo zikhatshwa kukonyuka okubonakalayo ngokwe- umthamo wekhontrakthi. Ukuya kwinqanaba lokuba inomdla kakhulu kubatyali mali abancinci nabaphakathi. Enye indlela yokuchonga olu tshintsho kwixabiso lenziwe ngamanani akhoyo kuhlalutyo lobuchwephesha. Umzekelo, amakhandlela njengenye yezona zimeleyo.
Luthini utshintsho lwexabiso?
Ewe kunjalo, inyukele phezulu, yenye yezona ntshukumo zilungileyo kwimidla yakho. Kungenxa yokuba kuthetha ukuba imali ingena kukhuseleko okanye kwimpahla yexabiso ebandakanyekayo. Oku kuthetha ukuba ungangena kwizikhundla zabo ngaphandle komngcipheko ogqithileyo nangokubanakho okukhulu kuhlaziyo lwayo. Ityala eligqithisileyo limelwe koko kubizwa ngokuba kukunyuka kwamahhala. Oko kukuthi, akusayi kuphinda kubekho ukuxhathisa ngaphambili kwaye inendlela yonke yasimahla ngaphambili. Esi sisiseko esingaphantsi kokufanelekileyo ukuba utyale imali kwiimarike zezabelo.
Ngokumalunga nobude bezi ntshukumo, kufanele kuqatshelwe ukuba akusoloko kufana. Kodwa ngokuchaseneyo, kuya kuxhomekeka kolunye uthotho lwezinto ezihambelana ngokuthe ngqo kwixabiso leeasethi zemali. Ukusuka kwiminyaka embalwa ukuya kwixesha elide elinokufikelela nakwiminyaka elishumi apho izikhundla zomthengi Zinyanzeliswa kubathengisi. Kukho umdla okhethekileyo ekuthengeni izabelo zabo kwaye oku kuguqulela ekunyukeni okuqhubekayo kwixabiso lezabelo zabo. Kwindawo yokuqala, ngendlela enobundlobongela ngokobunzulu bayo, ukumodareyitha inkqubela phambili ngokuthe ngcembe. Nokuba ulungiso lwamaxabiso ngamaxesha athile.
Amaxesha okungena kwiimarike
Nokuba yeyiphi na indlela, icebo lotyalo-mali liya kwahluka kwinkqubo nganye yolawulo lwesitokhwe. Kungenxa yokuba eneneni, ngelixa imisebenzi ivelise kwii-bounces kufuneka zibe mfutshane kakhulu, yenziwa nakwiseshoni enye yokuthengisa. Ngelixa ngokuchaseneyo, kutshintsho lwesiqhelo kuhlala kucetyiswa ukuba kwenziwe kube semthethweni ukusebenza kwixesha eliphakathi nelide. Ukuze ngale ndlela, indawo elungileyo yokunyuka kwiimarike zemali ingaqokelelwa. Ngaphezulu kokuthathelwa ingqalelo kobuchwephesha kwaye kwanakwindawo yokujonga esisiseko.
Ngenxa yezi zenzo, akukho mathandabuzo okuba ulawulo lwezikhundla zokhuseleko luya kwahluka kakhulu. Ngonyango olwahlukileyo, kokubini kulondolozo lotyalo-mali kunye nokusombulula ukungena kunye nokuphuma kwexesha elibekiweyo kwiiasethi eziyimfuneko zemali. Ukuba uyayithobela le mithetho, ngokuqinisekileyo uya kuba nempumelelo ngakumbi kwimisebenzi oza kuyenza ukusukela ngoku. Iya kubonakala ngaphezulu kwayo yonke into kwi Ukulungiselela inzuzo enkulu ezinokufunyanwa ngabatyali mali abancinci nabaphakathi.
Ulawulo lweeasethi zemali
Kwelinye icala. Kuyimfuneko ukuvavanya ayichaphazeli kuphela ubude bexesha kolawulo olukhethekileyo kwipotifoliyo yezokhuseleko. Ngenxa yokuba izicwangciso zihluke ngokupheleleyo, zombini kwifom kunye nomxholo. Kuba kwisaphulelo, ngaphambi kwayo nayiphi na into, kuya kufuneka beka phambili inzuzo yokwenza lo msebenzi ngaphezulu kwezinye izinto eziqwalaselweyo. Ngelixa ngokuchaseneyo, kutshintsho lwendlela, ukhuseleko yinjongo yabatyali mali abancinci nabaphakathi. Ukuya kwinqanaba lokuba banokuba nezikhundla ezivulekileyo ixesha elide. Elinye lamaqhosha okuqonda zombini ezi ntshukumo.
Njengoko uza kubona ngale ndlela, sithetha ngeentshukumo ezahlukeneyo ngokupheleleyo kwaye ngeendlela ezininzi abananto yakwenza nomnye nomnye. Nangona injongo iya kuhlala ifana, ayikho enye ngaphandle kokufumana eyona mbuyekezo ilungileyo kutyalo-mali olwenziweyo. Oko kukuthi, emva kwayo yonke loo nto, into oyilindeleyo kwezi modeli zolawulo zikhethekileyo. Ukuze ngale ndlela, ube kwimeko yokusebenzisa isicwangciso esinye okanye esinye sotyalo-mali. Apho ukupheliswa kwemisebenzi, iprofayili yotyalo-mali oyibonisa ngalo lonke ixesha okanye ukukhula ofuna ukuhamba kwakho kwiimarike zezabelo kuthathelwa ingqalelo. Kuphela emva koko unokuphumelela kwihlabathi elinemali elinzima. Into ekungasoloko kulula ukuyenza, njengoko nawe ngokwakho uza kuyazi kumava akho kwiimarike zezemali.