Yimalini enqwenelekayo ukutyala imali kwimarike yemasheya?

Ukufika kwe-coronavirus kukhokelele ekuweni kwamaxabiso ezabelo ezithengiswa kwiimarike ze-equity. Ukuza kuthi ga kwinqanaba lokuba ukhuseleko oluninzi sele lurhweba ngezaphulelo ezingaphezulu kwaleyo Amanqanaba angama-50%. Esi sesinye sezizathu zokuba abanye abatyali mali abancinci nabaphakathi baqwalasele ukubuyela kwabo kwiiasethi zemali ukwenza ulondolozo lwabo lube nenzuzo ukusukela ngoku. Kodwa ngomngcipheko wokuba esi sigqibo sibandakanya umzuzu obaluleke kangaka kwimbali yomhlaba. Ngokukodwa ngenxa yoloyiko kunye noloyiko lokuba banokubanjwa kwizikhundla zabo kwimarike yemasheya.

Ukusuka kule ndlela ngokubanzi, kubaluleke kakhulu ukuba abasebenzisi bemarike yemasheya ngoku baqwalasele ukuba kunqweneleka kangakanani ukutyala imali kwimarike yemasheya. Ukuze ungenzi iimpazamo ezindala onokuzisola ngazo kwiinyanga nje ezimbalwa ngenxa yokunqongophala kwemali kwiakhawunti yakho yokonga. Ewe, kule ngqondo kufanele kuqatshelwe ukuba isixa esityaliweyo kwingeniso eguquguqukayo iya kumiselwa ngumvuzo onawo kwinyanga nganye, imali ekhoyo, ubume bemali yokuhlawula amatyala kwaye ungacingi iingxaki zamatyala okanye ubugebenga. Ke abo baya kuqesha a ubambiso okanye ikhredithi yabathengi Ngexesha leenyanga ezimbalwa ezizayo, ukuba bakhetha olu khetho, akufuneki batyale ngaphezulu kwe-20% yenkunzi yabo kwezona meko zibalaseleyo.

Kwelinye icala, kukwabaluleke kakhulu ukuba ukusukela ngalo mzuzu ungqo ixesha lokusisigxina apho le misebenzi ijolise kwilizwe lemali kuthathelwa ingqalelo. Oko kukuthi, ukuba baya kuba ngu elifutshane, eliphakathi okanye elide ukuze ngale ndlela bazi ukuba yimalini ekufuneka ihlawulwe ngokusesikweni ngaba batyali zimali baphakathi naphakathi. Ayothusi into yokuba, eyalela ukuhamba kwayo kwiinyanga nje ezimbalwa iyakwahluka kakhulu kunakwiminyaka elishumi. Kuba, eneneni, baya kufuna iindlela ngeendlela ezahlukileyo zotyalo-mali kwimeko nganye. Ngale ndlela, isitshixo sokungazenzi iimpazamo zokubala sisekwe kulungiselelwa imeko nganye evela kutyalo-mali.

Yimalini ukutyala?

Ngumbuzo wokuba indawo elungileyo yabatyali zimali abancinci nabaphakathi bayakubuza ngalo mzuzu kwaye akunampendulo ilula. Ngale nto akuyi kubakho khetho ngaphandle isicwangciso sendleko kunye nengeniso esiya kuba nayo kule minyaka imbalwa izayo. Kodwa ngokwembono yokwenyani kwaye ungaze usekele kulindelo olungenakufezekiseka. Kungenxa yokuba kwimeko yokugqibela, iziphumo zinokubangela umdla kubasebenzisi bemarike yemasheya. Ukuya kwinqanaba lokuba inokwenza enye ingxaki kwi-accounting yethu yobuqu okanye yosapho. Ke kufanelekile ukuba hayi kuzo zonke iimeko iya kuba sisixa esifanayo, kuba kwelinye icala kusengqiqweni ukuqonda.

Njengoko kunjalo ukuba ulawulo olukhulu ngaphezulu kwemali eseleyo kwiakhawunti yokonga luyafuneka. Ukuphepha iimeko ezingafunekiyo onokusisa kuzo ukungahlawulwa kwamatyala, iifizi okanye ezinye iintlobo zeendleko zomntu. Kule meko, akukho ngaphezulu kwe-25% yemali ebekiweyo ekufuneka ityalwe kolu hlobo lweemveliso zebhanki. Oko kukuthi, ngemisebenzi emincinci eya kuthi ivelise inzuzo encinci kubo. Ke ngale ndlela, iziphene azinakuchaphazela iintshukumo zethu kwaye zingakhokelela kwintengiso eyoyikekayo, njengoko kwenzekile kwezi ntsuku emva kokuwa okukhohlakeleyo kwiimarike zamashishini kwihlabathi liphela.

Iiprofayili zivuleleke ngakumbi kutyalo-mali

Ngayiphi na imeko, ayingabo bonke abasebenzisi abaneempendulo ezifanayo zokwenza ukuthenga nokuthengisa kwabo kutyalo-mali kwimarike yemasheya. Kule meko ngokubanzi, akukho mathandabuzo ukuba kukho amaqela entlalontle anokukwazi ukubeka emngciphekweni imali ethe kratya kutyalo-mali lwabo olusekwe kubulungisa. Kwaye ngenxa yoko ngabo abanokuxhamla kwiirali kwezi asethi yemali. Ukuya kwinqanaba lokuba banako yabela ukuya kuthi ga kwi-40% okanye kwi-50% yenkunzi yakho kolu hlobo lwemisebenzi yokuthenga. Kancinci kancinane ezi zikhundla zinokwandiswa ngemirhumo eyongezelelweyo. Iya kuba ngabo bakwimeko efanelekileyo yokuvela ngempumelelo kule meko intsha iboniswe ziimarike zezabelo.

Ewe kunjalo, kukho ezinye iiprofayili phakathi kwabatyali mali abancinci nabaphakathi abahlangabezana nezi zinto zilindelweyo. Umzekelo, ezo siza kuthi zikhankanywe ngezantsi. Elinye lawona macandelo afanelekileyo lelo libandakanya abantu abanengeniso ephezulu kwaye ekungafuneki bajongane nemali mboleko okanye imali mboleko. Oko kukuthi, abo banomnotho ophilileyo wasekhaya obakhuselayo kolu hlobo lomsebenzi kwiimarike zesitokhwe. Ukuza kuthi ga kwinqanaba lokuba bangabinangxaki yokuqhubeka njengangaphambili kwaye baya kuba nakho ukusebenzisa amathuba oshishino asinikwa lolu hlobo lotyalo-mali.

Abatyalomali abanamava aphezulu

Elinye lamaqela ezentlalo elinokuthatha umngcipheko ngale ntshukumo ngabatyali mali ababonelela ngamava abanzi kolu hlobo lwentsebenzo kwaye abakhetha njengenye indlela yokufumana inzuzo ephantsi enikezelwa iidipozithi okanye ezinye iimveliso zengeniso esisigxina. Kule meko ikhethekileyo, iya kuba sisicwangciso-qhinga sotyalo-mali esiya kuthi sijolise kwelona xesha lifutshane ukuzama ukuthatha ithuba lokungazinzi okuphezulu kwiimarike zesitokhwe kwaye ke oko kungagqibezela ukusebenza ngexesha elifutshane. Nokuba ushukuma ngaphakathi okanye wenze kwiseshoni enye yokuthengisa.

Ngelixa kwelinye icala, asinakulibala elinye iqela elibuthathaka kakhulu ukukhetha olu hlobo lotyalo-mali ukusukela ngoku. Ngokusisiseko ngabasekeli abafaka igalelo elithile amandla okuthenga ukuba bajongane nenye yezi zinto ngaphandle kokunciphisa iiakhawunti zabo ngenxa yokuvela kakubi kwamaxabiso. Akumangalisi ukuba, zezona zinakho ukuphendula kwilahleko enokuthi iveliswe yile misebenzi kwintengiso yesitokhwe. Ukuza kuthi ga kwinqanaba lokuba kunokuba lukhetho olunobungozi ngakumbi kunabanye kwaye oko kufuna uqeqesho olukhulu kwizenzo zabatyali zimali ngokwabo.

Funa iingcebiso

Kuzo zonke iimeko, esinye sezicwangciso zokukhusela imali etyalwe kwiimarike ze-equity isekwe kule nkqubo yokujongana notyalo-mali ukusukela ngoku. Kuba enyanisweni, ayinakulityalwa ukuba abagcini mali abakhulu nabaphakathi abaphantsi kolawulo lwenkonzo yengcebiso yotyalo-mali ngabo bakwimeko efanelekileyo yokujongana nale ntshukumo kwikapitali yabo etyalwe kwimarike yemasheya. Kuba ibaqinisekisa ukuba inkulu ukhuseleko xa usenza izigqibo, ukuya kwinqanaba elikhulu okanye elincinci ngokuxhomekeke kwiimpawu zabo kubudlelwane babo nehlabathi lemali.

Okokugqibela, kukwakho nabasebenzisi ngaphandle kwengxaki zemali: amatyala, ukuhlawula kade, ukusilela kuhlahlo-lwabiwo mali, njl. Bakulungele ngakumbi ukubeka emngciphekweni imali yabo kwaye bazame ukuyenza ibe luncedo ngala maxesha ngeziqinisekiso ezikhulu zempumelelo. Ukunikezelwa kwamathuba anikezelwa ngamanye okhuseleko adweliswe kunye izaphulelo phakathi kwama-30% nama-40% kwaye ke oko kungasinika ukuphucuka okubonakalayo kwimpahla yobuqu okanye yosapho. Ukuza kuthi ga kwinqanaba lokuba banokwabiwa igalelo elikhulu kunamanye amaqela ezentlalo.

Musa ukuzifaka ematyaleni nangayiphi na imeko

Baninzi abatyali mali abajikela kwimali mboleko ukuze benze imisebenzi yabo yokuthenga kunye nokuthengisa kwimarike yemasheya kwaye, efumaneka rhoqo kwiibhanki nakumaziko emboleko. Kodwa ikwabonisa ingozi engenakuphikwa yeeakhawunti zabatyali mali kuba amaxesha amaninzi xa ziceliwe kungenxa yokuba ukunqongophala kwemali ukwenza utyando. Kwaye, kwiilahleko ezinokuthi zifumaneke, kufuneka songeze iikhomishini ezivela kwintsebenzo nganye kwaye phakathi kwe-7% kunye ne-10% kwiirhafu zenzalo ezisetyenziswe zezi mboleko, ezenza ukuba umsebenzi ube nzima kakhulu kuba izibonelelo ebekufuneka zibonelele. ukuthengwa kwezabelo kuya kufuneka kugubungele zonke iindleko ezibandakanya zona: iikhomishini, iirhafu zenzala, iintlawulo zerhafu, njl.

Ke ngoko, kuya kuba yimfuneko ukufumana imbuyekezo engekho ngaphantsi kwe-17% kutyalo-mali ukuzisa izibonelelo epokothweni yomtyali mali omncinci nophakathi. Ke ngoko, naphantsi kwazo naziphi na iimeko akufuneki ujike uyeke kolu hlobo lwemali mboleko, ngaphandle kokuba unemali eyaneleyo kwaye, nangasiphi na isizathu, kungangcono ukuba uye kule ndlela uyokuhlawulela ukuthengwa kwezabelo. Ke ngoko, ulumke kakhulu ngokuqesha umgca wekhredithi ukwenza utyalomali kuba ekugqibeleni umsebenzi unokubiza kakhulu kwaye kunjalo ngaphezulu kunokuba sicinga ekuqaleni.


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