ESpain kuye kwayinto esefashonini tyala imali kwizindlu nomhlaba. Ibinzana elibi elithi "izindlu azikaze zehle" libangele amawaka abantu ukuba baphulukane nayo yonke imali yabo yokutyala izindlu ekuthengeni izindlu ngenjongo yokuqikelela kuzo nokuzithengisa kwiinyanga ezimbalwa zineembuyekezo ezintle. Kuyinyani ukuba uninzi lwenze kakuhle, kodwa yayisisiphumo sethuba elabavumela ukuba baphume phambi kweshishini iqabukile.
Kum, ukutyala imali kwiNtengiso yeStokhwe kunezibonelelo ezicacileyo xa kuthelekiswa nokuthenga iiflethi. Apha ndidwelisa ezona ziphambili:
- Isitokhwe lukhuseleko olunamanzi kakhulu, ngelixa ukuguqula amakhaya abe yimali kunokuba yinto engenakwenzeka ngamanye amaxesha. Kufuneka ubone umzekelo wezindlu ebezithengiswa ukusukela ngo-2007 kwaye azinakuthengiswa.
- Izabelo zineendleko ezilawulwa kakhulu. Kuya kufuneka uthathe iindleko eziveliswe ngumrhwebi wakho (ukugcinwa, izabelo, njl.njl.) Kunye nemicimbi yerhafu. Nangona kunjalo, indlu ineendleko zokulungisa eziguquguqukayo (ukonakala, ukulungiswa, imililo, iingozi, ukonakala ngenxa yokusetyenziswa). Uninzi lwabantu aluthatheli ngqalelo yonke imali abayichithayo ekhayeni xa belinganisa inzuzo yonyaka kwaye oko kuyenza ibonakale inenzuzo enkulu xa besenza ubalo lwabo kunokuba injalo.
- Abaqeshi banokuziphatha kakubi ngelixa izabelo zingenzi. Kungenzeka ukuba inkampani igqibe ekubeni isirhoxise isahlulo kodwa kufuneka ikhunjulwe ukuba ngokuqinisekileyo iya kuba ngumlinganiso othile kunye nenjongo eza kukunceda njengomtyali mali kwixesha elide, ngelixa umqeshi eyeka ukuhlawula ingxaki enkulu.
- Imigangatho ihlisiwe. Ayifani into yokuba nendlu eneminyaka emi-2 ubudala kuneminyaka engama-30 ubudala. Ukugcina ixabiso okanye ukonyusa, kuyimfuneko ukwenza uhlengahlengiso kwaye kufuna imali. Izitokhwe nazo zinokwehliswa, kodwa ubuncinci yinto exhomekeke kwimarike kwaye inakho okanye ingenzeki, ngelixa ukuguga kwepropathi kuyinto eyakwenzeka ngokuqinisekileyo ngokupheleleyo.
Okwangoku akukho mfuneko yokugqiba ukuba Utyalomali kwizindlu nomhlaba sisigqibo esibi. Kubonakala kum kuhlobo lotyalo-mali olunobungozi kwaye luyinkimbinkimbi kunokutyala imali kwiStock Market, ke - ithiyori - bambalwa abantu ekufuneka bangene kuyo. Okumangalisayo kukuba, eSpain, abantu abaninzi batyale imali kwiiflethi kuba bayibona ikhuselekile kwaye ilula. Unomdla, huh?