Kubonakala ngathi ngumcimbi wexesha, kodwa utshintsho luya kuza kwakamsinyane kunokuba kamva. Kungenxa yokuba akukho nto inyukayo ngonaphakade, kuncinci kwiimarike ze-equity. Kuphi okanye kunokulityalwa ukuba imarike yemasheya yaseMelika iye yaphula ixesha elitsha lonke. Ukuza kuthi ga kwinqanaba lokuba iphindaphindwe kathathu ngexabiso kule minyaka ilishumi idlulileyo kwixesha apho bambalwa abatyali mali abaziyo kwaye oko kubakhokelele ekunyuseni imali yabo kwimarike yemasheya. Ngaphantsi kweepesenti ezisondele kwi-100%.
Kodwa amazwi okuqala sele enziwe malunga nokuba le meko inamandla inexesha elincinci eliseleyo okanye ubuncinci sele igqibile ngenxalenye elungileyo yokunyuka kwayo. Ngelixa ngokuchaseneyo, kwiimarike zesitokhwe zelizwekazi elidala le nkqubo khange ime nkqo kwaye ifakwe imibala kwezinye iimeko ezahlukeneyo. Kodwa nangona kunjalo, ibhalansi iyaqhubeka nokunyuka ukusukela oko ubunzima bezoqoqosho buphela ngo-2010. Ngeziphumo ezingalinganiyo kwizalathiso zentengiso yesitokhwe nganye kwilizwe ngalinye. Kodwa nakweyiphi na imeko ibe luncedo kutyalo mali, ngakumbi xa kuthelekiswa nengeniso esisigxina.
Ngelixa kwelinye icala, ayinakulityalwa Sinemarike yenkomo eUnited States iminyaka elishumi oko akuyeki ukuseta iindawo eziphezulu zembali kwaye eYurophu imeko yesiqhelo ikwindawo ephezulu yonyaka. Kodwa ayisiyonyani kangako ukuba abahlalutyi abohlukeneyo kwiimarike ze-equity babonisa ukuba akufuneki sikhohliswe: ukuwa kuza kuza kungekudala okanye kamva. Kwaye oku kunokuba yimeko enobungozi kubatyali mali abancinci nabaphakathi. Kuxhomekeke kwizikhundla abazithathileyo okwangoku. Esi sesinye sezizathu zokuba kufuneka ukhethe ukususela ngoku ukuya phambili.
Iza kubetha nini kakhulu?
Inyani yile yokuba le meko iya kwenzeka kwaye ihleli kuphela Wazi umhla nomhla. Singaba ekuqaleni kwale ntshukumo ngequbuliso okanye kungathatha iminyaka embalwa ukuba ikhule. Ngayiphi na imeko, abatyali mali abancinci nabaphakathi kufuneka bayazi into enokwenzeka ukusukela ngoku. Kungenxa yokuba behamba kakhulu kulo mdlalo ukusukela ukuba imali kutyalo-mali ayinakukhuseleka njengoko abanye abasebenzisi beemarike zentengiso bakholelwa ngalo mzuzu. Ke ngoko, uninzi lokulumkisa kunye nokukhuthala ekusebenzeni xa ujongene notshintsho lwembonakalo yeemarike zezabelo.
Ngelixa kwelinye icala, ayinakulityalwa ukuba elinye lamaqhosha okungazinziswa kolu hlobo lwentshukumo lilele ngokuchanekileyo Ulwahlulo kutyalo-mali. Oko kukuthi, ukukhetha iiasethi ezininzi zemali endaweni yokugcina imali kukhuseleko olunye okanye kwimveliso yezemali. Ngenjongo yokugcina ukonga ngokuchasene nolunye uthotho lweendlela ezinoburharha. Ngexesha apho kufuneka inkathalo enkulu ekukhetheni iiasethi eziyimali. Ubuncinci ukusukela ngoku kwaye ujongene nento enokwenzeka kwiinyanga ezizayo. Akumangalisi ukuba utshintsho olukhulu kulindeleke kwiimarike zemali kwihlabathi liphela.
Gcina iinzuzo
Kwiimeko zokuya phezulu, eyona nto isengqiqweni kukubamba utyalomali de amaxabiso angcono afezekiswe kwikoteyishini yayo okanye kude kuvele imiqondiso ebonisa ukuphela kwaloo mkhwa, nangona kukho umngcipheko wokuwela kwiimeko ezingaqhelekanga ezingayenza wehla kwixabiso elibalulekileyo neziphumo zelahleko kwingxelo yakho yengeniso. Kwelinye icala, kububulumko ukukhetha ifomula edibanisa ukhuseleko lomngcipheko Njengesicwangciso sokugcina izixa ezikhutshiweyo, ngakumbi kula maxesha e-bearish apho kulula khona kwiinzuzo ezincinci ezifumanekayo ukuba zibe ziiseshoni ezimbalwa zokurhweba ngokubomvu kubatyali mali, ngengxaki ke yokuba kuthengiswa ngokukhubazeka okanye ukuya nzulu nangakumbi kubo.
Kwelinye icala, xa kufikwa kubalo lweenzuzo ezinokubakho zentengiselwano nganye yesitokhwe, akufuneki kuphela ukuba sijonge umahluko phakathi kwexabiso lokuthenga kunye nexabiso lokuthengisa, kodwa kufuneka songeze namaxabiso ekhomishini kwintengiselwano nganye yesitokhwe ine, kunye nezo zigcino kwaye, ewe, isixa esiya kwi-Ofisi kaNondyebo, nge-18%. Ukudibanisa zonke — ezimele phakathi kwe-0,50% ne-1,50% yemali etyalomali- kuyakwazeka ukufumana ingeniso yokwenene yotyalo-mali, ethi kwiimeko apho inzuzo yeemali ingabalulekanga, isenokungakwazi nokunciphisa iziphumo. irhafu. Oku kufanele ukuba kube ngumsebenzi ekufuneka wenziwe ngabo bonke abathengisi ngaphambi kokuthatha isigqibo sokuthengisa okanye sokulinda inzuzo ephezulu.
Ziphephe iimeko ezingafunekiyo
Nanini na xa kukho ukukhubazeka, kukusilela kwisicwangciso somtyalomali, kodwa kukho iimeko ezinokuthi zithintelwe, okanye ubuncinci zincitshiswe, kodwa oku kuyimfuneko ukuthatha uthotho lwamanyathelo okwahluka ngokuxhomekeka kwiprofayile nganye nganye. kubo. Akumangalisi ukuba into esengozini ngamawaka kunye namawaka eeuros kulowo nalowo msebenzi. Ngesi sizathu, enye yeenjongo eziphambili zabatyali mali abancinci nabaphakathi ingaphezulu kwako konke ukugcina ulondolozo lwabo. ngaphezulu kolunye uthotho lweendlela kutyalo-mali luyinto eqikelelweyo okanye enoburharha. Njengemodeli yokuzikhusela enokuvelisa iziphumo ezininzi kunye ezilungileyo kakhulu kula maxesha.
Ewe, ukunqanda imisebenzi engafunekiyo kuyacetyiswa ukuba umtyali mali azifumanise ezona mfuno zabo zotyalo mali, kwaye ke babone ukuba ngaba iprofayili yabo inochuku okanye iyazikhusela, kwaye okona kubaluleke kakhulu, yimfuno yokuhlawula amatyala. ngelixa elizayo. Kuyo nayiphi na imeko, akukho meko nakweziphi iimeko apho amaxabiso akwixabiso eliphantsi athengiswe, ngaphandle kokuba kunzima ukuyifumana, nangona uhlalutyo lobuchwephesha ngokubanzi lubonelela "ngemikhondo" malunga notshintsho lwendlela.
Uyenza phi intengiso?
Kukho inani leemeko apho ukuthengisa kufuneka kulungiselelwe ukwehla okukhulu kwiimarike zamashishini zamazwe ngamazwe. Apho kufuneka khona ukuba uthathe isigqibo Ukuthintela ilahleko ekubeni ziye ngaphezulu okanye bagxininiswa njengoko iintsuku zihamba. Umzekelo, kwezi meko zilandelayo sizimisele ukusukela ngoku ukuya phambili:
Thengisa xa ukubanakho kokuhla kunamandla kwaye, amacandelo asezantsi ngakumbi kwixabiso anokuchitheka. Ngokukodwa, xa inkxaso yobungakanani obuthile yaphulwe kwaye inokuba sisizathu sokulungiselela ukuphuma kwiimarike ze-equity.
Akucetyiswa kakhulu ukuba uthathe iikowuteshini ziye kumanqanaba agqithisileyo apho ungalahla khona imali eninzi kwimisebenzi nganye yesitokhwe. Ngale ndlela, kungcono ukuba urhoxe ngexesha kwinto enokwenzeka kwiiseshoni ezilandelayo.
Ikwayintshukumo ekufuneka yamkelwe xa kujongwa utshintsho olucace gca kwindlela eya phambili kuba le nkqubo ingathatha ixesha elide. Ngaphezulu kokuba unokucinga kwasekuqaleni kwaye ukusukela kule ndawo yokujonga eyona nto unokuyenza ngelo xesha kukuzibeka ubonelelo olupheleleyo. Ke awubanjwa ngonyawo olwahlukileyo kolu hlobo lomsebenzi.
Kwaye okokugqibela, ungathengisa ukhuseleko kusiko oluthile olufanayo. Kungenxa yokuba inokuba sisandulela sokuwa okutsha kunye nokubanzi ukusukela ngalaa mzuzu ukuya phambili.
Funa ukuhlawula amatyala
Inxalenye yezisombululo kwiingxaki zokuhlawula amatyala inokuba kukungena kwikhontrakthi yeakhawunti yokuhlawula kunye nebhanki yakho okanye ibhanki yokonga, kuba becinga ngokubanzi ucele ukuhlawulwa kwangaphambili semali efikelela kwityala lokuhlawula ngenyanga, ngokulahla ibhalansi ye-overdraft kwiakhawunti yakho. Nangona kunjalo, oku kuhamba phambili kunomda ophezulu malunga nama-euro angama-5.000, nangona kuxhomekeke kwimveliso ebhalisiweyo kunye nomvuzo womsebenzisi, le mali ingathethathethana neziko lakho lezemali. Kwimeko apho isidingo semali siphezulu, kwaye sigqithile, ezi mveliso zimbini zebhanki zinika ilungelo lokucela imali mboleko yobuqu ngeemeko ezikhethiweyo, kwaye kuzo zombini iimeko ziya kusebenza ukujongana neengxaki zemali zaba bantu ngaphandle kokuya ukuthengiswa kwemveliso yengeniso esisigxina okanye eguquguqukayo.
Nangona uninzi lwabasebenzisi beebhanki benesiqinisekiso esipheleleyo sokuba iintlawulo zabo ziya kuba nakho ukuhlangatyezwa rhoqo, nayiphi na imeko enokwenzeka inokuzitshabalalisa iinjongo zabo ezilungileyo: ukwehla komvuzo, imisebenzi ehlawulelwa kancinci kwaye, ngaphezulu kwako konke, ukungena kwinqanaba lokungabikho kwemisebenzi kunokubangela oko. abanini bayo banobunzima bokujongana neentlawulo zekhredithi zabo, kulapho ke intandabuzo enkulu ibahlaselayo: kuyakwenzeka ntoni ngenene ukuba abanakukwazi ukubuyisela imali esele ihlawuliwe, ngokuyinxenye okanye ngokupheleleyo? Musa ukukhohliswa, eyona nto iziko lekhredithi lifuna ukubuyisa imali yalo, nokuba kungaphezulu okanye kungaphantsi, hayi ukufumana ezinye iiasethi zemali ekufuneka lizithengisile kwintengiso.