Xa kufikwa kutyalomali, ihlala inxulunyaniswa phantse rhoqo kwizabelo kwaye kunqabile ukuba ingeniso esisigxina. Oku kucingelwa ukuba kunxulumene nemarike yemasheya kwaye iimveliso zemali inxulumene nale marike yezemali. Kodwa oku akunjalo ngenene kuba ungenza nokonga kwakho ukuba kunenzuzo kwimisebenzi yengeniso esisigxina. Akunjalo ngomsindo, kodwa ubuncinci ukuqinisekisa ukubuya eziveliswa kwinkunzi eyityalomali
Ingeniso esisigxina ekhoyo ngoku imelwe ziimodeli ezininzi zokonga. Zindalo ezahlukeneyo kwaye zinobucukubhede obahluke kakhulu. Ngothotho lweempawu eziya kuba zilungele wena ukuba uzithathele ingqalelo ukusukela ngoku ukuya phambili ukuba ukhetha le modeli yotyalo mali. Ayisiyonto imbi kakhulu okanye ingcono kunenye, kodwa iya kuhamba kuxhomekeke kwiprofayili oyivezayo njengomtyalomali omncinci nophakathi okuyo.
Ewe kufuneka ucace gca malunga nengeniso esisigxina anisayi kuba zizigidi Ukususela ngobusuku. Ewe akunjalo, kodwa ukubuyisela uya kufumana olunye uthotho lwezibonelelo. Oko kuyo nayiphi na imeko, iya kuba nakho ukuhlawula iinzame zoqoqosho ozenzayo ukuzama ukwandisa ibhalansi yeakhawunti yakho yokutshekisha. Ukuya kwinqanaba lokuba inokuba yenye yeendlela ezizezinye onazo okwangoku ukufikelela kwiinjongo zakho.
Ingeniso esisigxina: iidipozithi zexesha
Ukuba kukho imveliso emele undoqo wengeniso esisigxina, ayikho enye ngaphandle kwale iidipozithi zexesha. Kulula kakhulu kwaye kulula ukubhalisa imveliso engadingi inkcubeko enkulu yezemali kwicala lakho. Zonke iiprofayili zabasindisi banokuyiqesha. Ukusuka kwixabiso elifikelelekayo kubo bonke abatyali mali. Kuba ngokwenyani, unokwenza ngokusesikweni iidipozithi ze-euro enye. Ngokusebenzisa iimodeli ezahlukeneyo eziveliswa zezi mveliso.
Isicwangciso-qhinga sayo sisekwe kwinto yokuba uyifaka imali endaweni yokutshintsha ubuya kuthi uyifumane ngokwesiqhelo. Kuyinzuzo eqinisekiswe ngokupheleleyo ngandlela zonke. Akukho meko uya kuphulukana nenxalenye yolondolozo lwakho. Ukongeza, yimodeli yokonga eguquguqukayo onokuthi uyirhumele kubude bendawo yokuhlala oyifunayo. Ukusuka kwinyanga enye ukuya kwiminyaka emihlanu okanye emithandathu njengelona xesha liphezulu. Ithuba apho ungayi kuba nakho ukufumana igalelo, ngaphandle kokuba bohlwaywa ziikhomishini zabo.
Ngayiphi na imeko, inzala ebonelelwa ziidipozithi zekota ngoku incinci kakhulu. Ngokwesiqhelo ayidluli kumanqanaba asondele kwi-1%. Ngenxa yexabiso eliphantsi lemali ngabasemagunyeni bezemali kwi-European Union. Ngale ndlela, kuya kufuneka uyazi ukuba ayixabisi nto kuba ikwi-0%. Kwaye le nyani igqithiselwe ekusebenzeni kwale mveliso yenzelwe ukonga. Ukoyisa, awuzukukhetha kodwa ukunxibelelana nezinye iiasethi zemali, ngokubanzi ezivela kwii-equities.
Ukunyanzeliswa, kwelinye icala, kubonisa imodeli yotyalo-mali egcinakalayo. Yabantu abafuna ngaphezulu kwayo yonke into ukugcina ulondolozo lwabo. Ngaphandle kwento onokuyiphumelela ngezi `` ndlela zokuzikhusela. Ayibandakanyi iindleko kulawulo lwayo okanye kulondolozo lwayo. Kuphela ziikomishini zokurhoxisa inxenye okanye iyonke abanokuthi bazise. Ngaphantsi kwemida yorhwebo enokufikelela kwi-2%. Ungazifumana kwiifomathi ezahlukeneyo: ngohlobo, ngokwazisa okanye ngabathengi abatsha, phakathi kwabanye.
Amanqaku okuthembisa ngeBhanki aneendlela ezifanayo
Le mveliso yolondolozo yahluke kancinane kwimodeli yangaphambili. Akumangalisi ukuba ulwakhiwo lwayo lufane ngokufanayo, ngokwahluka kakhulu. Amanqaku okuthembisa ngeBhanki anekhontrakthi ngezixa ezifanelekileyo. Ukusuka kwi-1.000 euro ukuya phambili kwaye ngenqanaba lenzala abayisebenzisayo elingaphantsi kwe-1%. Kwaye ayibandakanyi iikhomishini okanye ezinye iindleko kulawulo lwayo. Kodwa inegalelo kumahluko omncinci kukuba ufumana imbuyekezo ekuqaleni, xa uyirhumela imveliso, hayi ekuvuthweni kwayo njengoko kusenzeka ngedipozithi yekota.
Nangona kunjalo, abaqinisekisi ngemirhumo ukuba nangasiphi na isizathu ibhanki ekhuphayo yale mveliso yonakele okanye inemeko yemali engangxamanga. Akuqinisekiswanga yiNgxowa-mali yesiQinisekiso seDiphozithi. Umngcipheko ekufuneka ucinge ukuba ekugqibeleni uthatha isigqibo sokuqesha nayiphi na kwezi mveliso. Ukusuka kolu luvo, ayisiyiyo imodeli ekuzisela izibonelelo ezininzi ngalo mzuzu. Ngenzuzo ekumanqanaba ezembali ezisezantsi. Ukubuya, kulula kakhulu ukuyiqonda kwaye yenzelwe zonke iintlobo zabathengi
Iimali zotyalo mali, kodwa ingeniso esisigxina
Yenye yeemveliso zokonga ngokugqwesa. Kwaye inendlela yayo emiselweyo yokufumana umvuzo indawo ekubhekiswa kuyo yokonga kwakho. Ngayiphi na imeko, ubume bayo bunzima ngakumbi kunakwamanye amamodeli ebesikhe sakutyhila ngaphambili. Kuba, eneneni, bayaphuhliswa ngeendlela ezininzi zotyalo-mali. Uninzi lweeasethi zemali lunokubakho. Yindlela ye utyalo-mali oluguquguqukayo ekuvumela ukuba uhlukanise ukonga kwii-asethi ezahlukeneyo zemali. Nokuba ivela kwiindawo ezahlukeneyo zejografi.
Ukusuka kolu luvo, imali yotyalo-mali esekwe kwingeniso emiselweyo iguqulelwe kuzo zonke iimfuno abazibonisayo. Njengezinye iimodeli zotyalo-mali ungazirhumela ukusuka kumanani afikeleleke kakhulu kuye wonke umntu, ukusuka kwi-euro ezingama-500 kuphela. Kodwa ngokuchaseneyo, baphatha iikhomishini ezininzi ezenza imveliso yokugqibela ibize kakhulu. Kuba kukho ulawulo, idiphozithi okanye izibonelelo. Zahlula phakathi kwe-0,5% kunye ne-2%, kuxhomekeke kwizindululo ezenziwe ngabaphathi.
Olu didi lweemveliso zemali aluqinisekisi nayiphi na inzuzo. Ngokungafaniyo nokwenzekayo ngokufakwa kwexesha okanye amanqaku ezithembiso zebhanki. Nokuba yeyiphi indlela, umndilili wenzala abaqhele ukuwenza zijikeleze i-5% ngonyaka. Nangona kunjalo, ezi pesenti zixhomekeke kwizinto ezininzi ezinokuthi zichonge inani lokugqibela eliza kuya kwiakhawunti yakho yokujonga. Ngayiphi na imeko, iyimveliso ekucetyiswa ukuba uyisebenzise ixesha eliphakathi okanye elide. Ngexesha elifutshane azisebenzi kakuhle.
Iibhondi: enye indlela
Iibhondi lolunye ukhetho onokuthi uluthathe ngokunenzuzo ukwenza ukonga kwakho kunenzuzo. Ziyathengiswa phantsi kweendlela ezahlukeneyo: indibaniselwano, ingingqi, iibhondi zikazwelonke okanye nakweyiphi na indawo. Nokuba zikude kangakanani, ungatyala imali kwi IsiTshayina, isiJapan okanye iMexico ingeniso esisigxina ukuba lo ngumnqweno wakho. Hayi ngelize, uneendlela ezininzi zokubaqesha, kuxhomekeke ekubeni zithini iiprofayili zakho kwaye ufuna ukuya phi kwiindlela zotyalo-mali.
Banikezela ngenqanaba lenzala elisondele kwi-2% kwaye kuzo zonke iimeko abazisebenzisi iikhomishini okanye inkcitho kulawulo lwabo okanye kulondolozo. Ngaphandle kwabo, iinkampani zolawulo zinokukuhlawulisa imali encinci ngenkqubo ekuqeshweni kwabo. Ngokubonelela kakhulu ibhonasi, Uya kuba nengxaki engaphezulu kwesinye yokukhetha enye yeemodeli zayo. Nokuba yeyiphi na, yenye yeemveliso ezizinzileyo kutyalo-mali olumiselweyo. Apho akufuneki ilahleke kwipotifoliyo yakho yokhuseleko okanye iiasethi zemali.
Iibhondi zinokuqeshwa ngokukodwa okanye ngokusebenzisa imali yotyalo-mali esekwe kwingeniso esisigxina. Nokuba unokukhetha ukudibanisa nezinye iiasethi zemali, kubandakanya nezo zivela kwii-equity. Ngeli xesha, ayisiyonto ilungileyo ngenxa yenzuzo ephantsi enikezelwa yimbuyekezo yayo. Ngokuhambelana nomgca wokusebenza kwazo zonke iimveliso zezezimali zezi mpawu.
Iingcebiso ngokusebenza kwezi mveliso
Ukwenza iinjongo zakho zokwenza ukonga kwakho ukuba kusebenze ngakumbi, kuya kuluncedo kuwe ukungenisa uthotho lwemigca yesenzo. Phakathi kwazo kukho oku kulandelayo esikuvezayo apha ngezantsi.
- Lutyalo-mali olujolise ekuqinisekiseni nge isivuno esisigxina minyaka le. Nokuba kusebenza njani kwiimarike zezemali, nkqu nakwezona meko zinzima.
- Kulula kakhulu ukuziqonda iimveliso kwaye musa ukufuna ulwazi olukhethekileyo elakho icala. Apho nayiphi na iprofayili yomtyalomali enokuthi ibhalise phantsi kweendlela ezahlukeneyo abazibonisayo kwisibonelelo sabo esibanzi.
- Zininzi ezinye iindlela onokukhetha kuzo. Ngamaxesha okusisigxina kuko konke ukuthanda. Ukusuka kwelona xesha lifutshane ukuya kwelona xesha lixineneyo ukuphucula iimeko zesivumelwano.
- Zijolise ngokukodwa kwi- elona xesha lide lezemali. Ayothusi into yokuba bayakuvumela ukuba uvelise inzala ngokuqhubekayo. Unokwenza ngayo ibhegi yokonga ixesha elide ukuphucula isikhundla sakho.
- Akukho meko uya kuphulukana nayo imali kwizikhundla ezivulekileyo kwezi mveliso zezezimali. Ukusuka kolu luvo, baya kukubonelela isiqinisekiso esikhulu kunye nokhuseleko kwiindlela ozenzayo kutyalo-mali lwakho. Njengexabiso elongeziweyo kuzo zonke izibonelelo zalo.
- Banikezela ngexabiso elifikelelekayo kakhulu kuyo yonke imali eyongiweyo. Ukusuka phantse kwi-euro enye kunye ukuya kwisixa osigqibayo. Ngobhetyebhetye ngakumbi, nokwenza ukuthengwa njengesicwangciso sokuqinisa isikhundla kwingeniso esisigxina.