Utyalomali lunokusetyenziselwa zonke iintlobo zokuhlala: elifutshane, eliphakathi okanye elide. Kuxhomekeke kubo, kuya kufuneka usebenzise isicwangciso esinye okanye esinye esikuvumela ukuba wonge imali ngendlela eyonelisayo. Kodwa utyalomali lwexesha elide yeyona nto ingaziwayo kubasindisi abancinci nabaphakathi. Ibandakanya uthotho lweempawu ezahlulahlula kwezinye iifom zotyalo-mali. Ukuba le yinjongo yakho ukusukela ngoku, kuya kufuneka unike ingqalelo encinci kwindlela yokwenza ngokusemthethweni kwiimarike zezemali.
Utyalomali lwexesha elide alungcono kunokuba lubi kunalo lonke, kodwa kuphela kolunye uhlobo olunikezelwa ziimarike ukuze lube yinyani izigqibo zakho. Ngayiphi na imeko, kuya kufuneka uyazi ukuba kuya kufuneka ubenayo imali engafakwanga ixesha elide. Le nto ibaluleke kakhulu ukuze ube nokuqikelela iindleko ezingalindelekanga eziza kubakho kule minyaka izayo. Ixesha elide lithathwa njengelokuhlala lonke ukusuka kwiminyaka emi-3 ukuya kweli-10.
Ewe kuya kubakho imveliso ethile yezemali kunokwenzeka ukuba aqhelane nala maxesha okusisigxina ixesha elide. Ayisiyi kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kodwa kunye neengxowa-mali zotyalo-mali, ezidwelisiweyo kunye needipozithi ezinxulunyaniswe neasethi yemali. Akukho zodwa ngokubhekisele kweso sigqibo oza kusithatha ukusukela ngala maxesha. Ngaba uyafuna ukwazi ezinye zezona zindululo zokuxhasa imali yakho?
Ixesha elide kwimarike yemasheya
Esona sisombululo silungileyo kwiprofayili yomtyali mali yokuzikhusela okanye ekhuselekileyo efuna ukhuseleko kwezinye izinto eziqwalaselwayo. Ngokwesiqhelo kula maxesha kulula ukufumana imbuyiselo emiselweyo, nangona ngokuqinisekileyo ingazukubekwa ngokusesikweni phantsi kwamandla anokubonakalayo. Kodwa ngoncedo olo Awuyi kuba nolwazi ngeemarike ubulungisa yonke imihla. Kule nto unexabiso elijolise ngokukodwa kule migaqo. Umzekelo, umbane, ukutya okanye icandelo lohola wendlela.
Kule migaqo bayakuvumela ukuba ube nemida emikhulu kwiimpazamo onokuthi uzenze ekukhetheni kwezokhuseleko ezenza ipotifoliyo yakho yotyalo-mali. Ngeminikelo ebhetyebhetye ngakumbi oko kuyakuxhomekeka kumvuzo nakwinkcitho onayo phambi kwakho. Kwaye uhlala ucinga ukuba kuya kufuneka ugcine ezinye iimali ngaphambi kwaso nasiphi na isehlo esinokwenzeka kuwe ukusukela ngoku. Ngayiphi na imeko, akukho lula ukuba wabele zonke iiasethi zakho kolu hlobo lomsebenzi. Kodwa ngokuchaseneyo, iya kuba ngaphezulu nje ngokwaneleyo ukufaka igalelo kwi-60% yayo.
Amaqhinga kwimarike yemasheya
Isenzo esisebenzayo ukuhambisa ixesha elide kukukhetha ukhuseleko oluhambisa izabelo kubanini zabelo. Ngale ndlela, uya kuba nembalwa Ingeniso esisigxina kunye nesiqinisekisiweyo seminyaka yonke. Ngenzuzo enokufikelela kwi-8% kwezona meko zintle. Nokuba kwenzeka ntoni kwiimarike zezemali. Kuba uyakube usenza utyalomali kwingeniso emiselweyo ngaphakathi kwahluka Kodwa ngenzuzo eyanelisayo ngakumbi kunaleyo. T ngonyango lwerhafu oluhle ngakumbi kwimidla yakho.
Ukuba ngasiphi na isizathu ubona ukuba emva kweenyanga ezimbalwa uphulukana nemali kutyalo-mali, akufuneki ukhathazeke ngokugqithileyo. Akumangalisi ukuba unezinto ezininzi ezingaphambili zokoyisa izikhundla kwaye uvelise inzuzo enkulu kakhulu. Kwiimarike zesitokhwe kuthiwa imisebenzi yexesha elide ihlala ihlawula. Uzibeka emngciphekweni wokuba ukhuseleko olukhethiweyo lunokungabinamali kwaye uya kulahla lonke igalelo lakho lezemali. Ngesi sizathu, uya kunyanzelwa ukuba ukhethe amaxabiso esiphelo sokuqala. Okanye ubuncinci bakunika isiqinisekiso esincinci sokuhambisa utyalomali.
Izimali: zilungele kakhulu le migaqo
Kodwa ukuba kukho imveliso elungiselelwe ixesha elide, yimigaqo yotyalo-mali. Kuyo nayiphi na into eyahlukileyo. Zisekwe kwii-equities, ingeniso esisigxina okanye phakathi okanye ezinye iindlela onokukhetha kuzo. Zonke zinokusetyenziselwa ukwanelisa ulindelo lwakho lokwenza ibhegi yokonga enamandla. Kuya kufuneka ukhethe elinye lala maxabiso kuxhomekeke kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi. Kodwa ngumahluko omkhulu ngokubhekisele kwezinye iimodeli zotyalo-mali kwaye yile mveliso yemali uyakucacisa ngcono ukonga kwakho.
Ukongeza, imali yotyalo mali ivula ithuba lokuba ungazidlulisela kwezinye iimali ngexesha olifunayo. Iziphumo eziluncedo kakhulu kwimidla yakho yemali kuba le misebenzi inokwenziwa ukhululwe kuyo nayiphi na inkcitho. Kwaye amaxesha amaninzi kangangoko ufuna ukusuka nokuya kwingxowa-mali yengeniso esisigxina ukuya kutshintsho. Kuxhomekeke kwimeko eboniswe kuqoqosho lwamanye amazwe ngamaxesha onke. Ukusuka kolu luvo, yimveliso eguquguqukayo yezemali enokuthi yenziwe ngokusesikweni phantsi kwemodeli yolawulo olusebenzayo.
Iimali zotyalo mali, kwelinye icala, zikuvumela ukuba ufikelele kwizindululo zotyalo mali. Ngokusekwe kwiiasethi zemali ezingalindelekanga, ezinje ngezinto ezingavuthiyo kunye nesinyithi esixabisekileyo. Ukuba nangayiphi na indlela enye yeefomathi eziziphatha kakuhle kolu hlobo lwamaxesha. Kulunge ngakumbi kunokuthenga nokuthengisa izabelo kwimarike yemasheya. Nangona ngokuchaseneyo, unokufumana ezinye iikhomishini eziza kunyusa iindleko zokugqibela zemveliso.
Iidipozithi ezinxulumene notshintshiselwano
Esinye sezona zicwangciso zokuzikhusela onazo ngalo mzuzu zizinto ezifakwayo idityaniswe nezinye ii-asethi eziyimali. Ukubandakanya ngokuqinisekileyo ezo ezivela kwizabelo. Kuzo zombini iimeko, kuya kukunceda ukuba uqinisekise ngenzuzo rhoqo ngonyaka. Nangona ukusebenza kwayo kungamangalisa kakhulu kuba kunqabile ukuba kudlule kwinqanaba elijikeleze i-2%.
Olunye lweempawu zale mveliso yebhanki kukuba unokuyiphucula inzuzo eqinisekisiweyo. Ngale nto awuzukukhetha ngaphandle kokuthobela neemfuno ezisezantsi. Ngamanye amagama, ibhasikithi yezabelo ifikelela kwixabiso elithile phantsi kweemeko. Akusoloko kunokwenzeka ukuba inokubethwa. Ke ngoko, inzuzo eyongezelelweyo ekhuthazwayo kwezi mveliso zezezimali ayinakufumaneka. Kungenxa yokuba ukubuyiswa kogcino-mali kufezekisiwe, kuya kunyuka kuye kwi-5%. Ngayiphi na imeko, akukho ndlela yakwenza ukuba kufezekiswe inzuzo yokwenene efikelelwe ngokhuseleko, iibhasikiti okanye iiasethi zezemali ezinxulumene nale mizekelo yolondolozo.
Olukhetho olufuna imirhumo ephezulu kunakwamanye amaxesha edipozithi yexesha. Ngokwesiqhelo ngaphezulu kwexabiso elingaphezulu kwe-5.000 euro. Ngokuhlala ixesha elide, phakathi kweminyaka emibini ukuya kwemine kwaye ngaphandle kokurhoxisa ikhontrakthi. Ngaphandle kokuba awuhlawuli ikhomishini enokuthi ibe yi-2%, enokunciphisa ukhuphiswano lwale mveliso olungathathelwa ngqalelo njengotyalo-mali. Kodwa endaweni yokonga. Ungayiqesha ukuze uzikhusele ngokuchasene neemeko ezingathandekiyo kwiimarike zezemali.
Ezona zindlongondlongo azifanelekanga
Izabelo zinenye imodeli, kodwa zinoburharha kubume bazo. Akukho nanye eyenzelwe ixesha elide. Akunanto, usengozini yokuphulukana nenxalenye elungileyo yeminikelo yakho yemali. Ngokukodwa ngenxa yokungazinzi okugqithisileyo okungabenzi ukuba balungele ukusebenza ixesha elide. Kukwimeko emifutshane apho banikezela khona ukusebenza kwabo ngokukuko kwaye kungagqithi kwiminyaka emibini. Ukuba uyabaqesha, iya kuba yimpazamo ukuba ungahlawula kakhulu emva kweminyaka. Sisifundo ekufuneka usifundile kubudlelwane bakho nelizwe elihlala linzima lemali. Ukuya kwinqanaba lokuba uthathe umngcipheko ngokungeyomfuneko.
Ezi ntlobo zeemveliso zingumsebenzi omkhulu kwaye awunako ukuzibeka ezandleni zethamsanqa. Ukwangumngcipheko omkhulu wokuba emva kweminyaka embalwa uyakubona ukuba inyamalale njani impahla ye-mali oyityalileyo. Kwaye kuya kuba nzima kakhulu ukulungisa esi siganeko ngaphandle kokuba uzimisele ukuthatha iilahleko ezenziweyo kulowo nalowo msebenzi. Ungalibali ukuba umahluko wexabiso kwiseshoni enye yokurhweba ungasondela kwi-10% okanye nangakumbi kwiimeko ezithile. Ngale ndlela, eyona nto unokuyenza hlala kude kwezi fomathi yenzelwe ukutyala imali. Ngokukodwa ukuba amaxesha akho okusisigxina amiselwe awona maxesha made.
Njengoko sele ubonile, awunyanzelekanga ukuba uzilinganisele ekuthengiseni kwimarike yemasheya. Unazo ezinye iindlela ezinokwanelisa ngakumbi ngaxa lithile okanye kwenye. Kuba njengoko kuhlala kusitsho kwezi meko, kukho ubomi obungaphaya kwengxowa. Kwaye okuninzi malunga nexesha elide. Ngenjongo echazwe ngokucacileyo kwaye ayikho enye into ngaphandle kokwenza ukonga ngeniso ngendlela echanekileyo. Kuba kuyakuthatha iminyaka emininzi ukuba izibonelelo zakho ziye kwiakhawunti yakho yokonga.