Ukudityaniswa kwezindlu kunye nomhlaba ngumdibaniselwano onokuzuza kuwo ukusukela ngoku. Kodwa ukuze oku kube njalo, kuya kufuneka ukuba uyazi ukuba injani le nkqubo kwaye kufuneka wenze ntoni ukuze ubandakanyeke kuyo. Kuba kuqala kwinto yonke kuya kufuneka uyazi ukuba ngokusisiseko ukuthengiswa kwezindlu nomhlaba yi- uhlobo olutsha lotyalo-mali. Kodwa ngomahluko omkhulu xa kuthelekiswa nezinye iindlela ezinikezelwa ziimarike zezemali. Zombini ngokubhekisele kwii-equities kunye nengeniso esisigxina, nokuba ziimodeli ezicace gca.
Ukuqokelelwa kwearhente yokuthengisa izindlu nomhlaba kuyindlela yotyalo mali ngenxa yeempawu ezizodwa zale fomati yokusebenzisana. Kungenxa yokuba ngokusisiseko kutyalomali lwakho iipropati zezindlu. Zombini kulawulo kuthengwa njengoko irente, ngokucacileyo. Kodwa ngeemeko ezikhetheke kakhulu ekufuneka uzithathele ingqalelo ukusukela ngoku ukuya phambili kwaye yile nto ichazayo ukuba yeyiphi na indawo yokuhlanganisana kwezindlu nomhlaba. Ngaba uyafuna ukwazi ukuba lo mahluko uquka ntoni? Ewe, nikela ingqalelo encinci kuba ungayisebenzisa nangaliphi na ixesha.
Isekwe kwinto yokuba utyale imali yakho oyigcinileyo kwiarhente yokuthenga izindlu nomhlaba kodwa kwixabiso elifikelelekayo kakhulu kuyo yonke imizi. Kuba, ukusuka kwi-50 euros ungazibeka kolu hlobo lotyalo-mali olukhethekileyo. Awunyanzelekanga ukuba ujongane nesixa esikhulu semali, njengoko kunjalo kwiimveliso ezininzi zezemali: ukuthenga nokuthengisa izabelo kwimarike yemasheya, iimali zotyalo-mali, iinkampani ezidwelisiweyo kunye neemodeli eziphambili kakhulu zeemarike zezabelo. Kule mveliso, ukuphuma ngaphandle, ukuba unqwenela, kuya kuba kuncinci ukuze kulungelelaniswe kubo bonke abasebenzisi.
Ukuxinana kwezindlu nomhlaba, yintoni le?
Omabini la macala enkqubo ayazuza kwezi zenzo. Amaqonga okuphuhlisa ezi zimvo afumana inkxaso-mali eyimfuneko yokwenza iiprojekthi. Ngokubanzi ngokulungiswa kweepropathi ukuze uzithengise kamva okanye kwimeko ezintle zokuziqeshisela abanye abantu. Ngelixa indima yakho njengomtyali mali encinci iya kuvuzwa ngumdla ezinye iimveliso zezemali ezingenakho ukukunika. Ngemida enokushenxisa phakathi kwe-3% ne-14% kwisixa-mali osityalileyo. Kuxhomekeka kwiimpawu zepropathi kwaye ngokuqinisekileyo nomhla wokuphelelwa.
Ngapha koko, inye into ekufuneka ucace gca ukusukela ngoku. Ayikho enye ngaphandle komdla soze iqinisekiswe kwaye ayilungiswa. Kuba iya kuxhomekeka kwindaleko yentengiso yezindlu. Oko kukuthi, ixabiso lendlu ngalo lonke ixesha. Ngokukhutshelwa okubaluleke kakhulu kule minyaka idlulileyo kunokudala iingxaki okanye ezinye zixhamle kule mi sebenzi. Ngomnye wemingcipheko ekufuneka ujongane nayo ukuba uyalwamkela olu hlobo lotyalomali lwentsebenziswano.
Ngokuvuthwa okuguqukayo kakhulu
Ngayiphi na imeko, ukumisela inzuzo yale misebenzi kuyakufuneka ukuba uthathele ingqalelo ukuba kuya kufuneka ulinde ixesha lokuphelelwa. Ayilungiswa kwaye ihamba phakathi kweenyanga ezi-5 okanye ezi-6 ukuya kuthi ga kwiminyaka emibini njengelona xesha liphezulu. Kuxhomekeke kunikezelo oluya kugqiba ngalo. Apho kuqheleke kakhulu ukuba imigangatho ephezulu inyuse inzuzo yotyalo mali. Ngeli xesha, kwaye ngenxa yokuvuselelwa kwecandelo lokuthengiswa kwezindlu eSpain, inzuzo engaphezulu kwe-10% inokufezekiswa ngokulula.
Nangona kunjalo, le miqolo ayisayi kuhlala ifana kuba inzuzo yabo iya kuhamba kuxhomekeke kwindaleko yecandelo. Kwaye kufuneka ukhumbule ukuba ayizukuhlala ifana ukuza kuthi ga ngoku, apho umvuzo wakho ungasayi kuba luncedo njengalo mzuzu. Enye into ongenakuphulukana nayo kukuba uya kufumana inzala ekuphelelweni kwemisebenzi. Ukuya kwinqanaba lokuba awuzukukhetha ngaphandle kokulinda iinyanga ezimbalwa ukufumana umvuzo wakho. Ngamathuba amaninzi apho unokutyala imali yakho encinci kule ndlela yokusebenzisana.
Amaqonga asebenzisanayo
Ukuya kolu hlobo lwesindululo kuya kufuneka uye kwiqonga lokuthengisa izindlu nomhlaba kwezi mpawu. Kuyinyani ukuba okwangoku unikezelo alukho kakhulu, kodwa ubuncinci luyakukunceda ukwanelisa eli bango kutyalo-mali. Ukongeza, awungekhe ulibale ukuba yinto ekhulayo yeshishini kwaye kunokwenzeka ukuba ukubonelelwa ngendawo yokuthengisa izindlu nomhlaba kuyonyuka. Nabanye indlela eyahlukeneyo, ayisiyiidolophu kuphela apho zikhona iipropathi. Kodwa nangenxa yokuba unokukhetha iiflethi okanye izindlu ngokuthenga okanye ngokuqeshisa, kuxhomekeke kwiminqweno yakho.
La maqonga, kwelinye icala, akunikezela ngeendlela ezahlukeneyo zotyalo-mali kwicandelo elikhethekileyo njengoko kunje. Apho kufuneka ujonge khona izixeko okanye iindawo apho uninzi lukhona Kulula ukwenza intengiso yakho ngokusemthethweni. Ukusuka kolu luvo lwehlabathi, injongo yakho yokuqala kufuneka isekwe ekufumaneni iqonga lokuthengisa izindlu nomhlaba elikhanyayo. Okanye yintoni enye, ukuba ikunike lonke ulwazi malunga nenkqubo yotyalo-mali. Ukususela ekuqaleni ukuya ekupheleni. Ke ngale ndlela, unezona ziqinisekiso zibalaseleyo kwisisombululo semisebenzi.
Zinjani iinkampani ezikwicandelo?
Kwelinye icala, awufanelanga ukulibala ukuba ezi nkampani zinolwazi lwe-Intanethi olubonisa ezinye Iimpawu ezichazwe kakuhle. Enye yezona zinto zibalulekileyo kukuba ngalo lonke ixesha besenza iprojekthi yokuthengisa izindlu nomhlaba bayibonise kwiwebhusayithi yabo. Ukuze ngale ndlela ubekwisimo sokwenza utyalo-mali oluncinci. Nokuba kungokuthengwa okanye ngokuqeshiswa kwempahla yexabiso. Ke unokuhlalutya izindululo ezahlukeneyo ezibonelelwa zezi nkampani ukuze ukwazi ukwenza isigqibo sakho ngolwazi oluthe kratya nangendlela efanelekileyo.
Kwelinye icala, awungekhe ulibale ukuba ezi nkampani zidibeneyo bafunda iiprojekthi ezahlukeneyo apho banokwenza khona. Ngokubanzi ukuvuselela izakhiwo zabo. Ukukhetha indawo apho kuya kubakho iflethi okanye indawo yokuhlala kubaluleke kakhulu. Phakathi kwezinye izizathu, kuba kuxhomekeke kolu tshintsho lubalulekileyo, ukuthengiswa kwayo kuya kuba lula kakhulu. Kwaye ke uya kuba neziqinisekiso ezingakumbi zokuba ukusebenza kwakho okanye utyalomali luya kwenziwa ngokuchanekileyo kwaye kungabikho kuphazamiseka kwangaphandle.
Izibonelelo kolu hlobo lotyalo-mali
Ngayiphi na imeko, lutyalo-mali olungamanani amnandi ukusukela kwiminyaka embalwa edlulileyo olu hlobo lwezinto ezizezinye bezingekho. Kwaye ke, ifuna indlela eyahlukileyo kunezinye izindululo eziqhelekileyo zotyalo-mali kunye obusetyenziselwa kuzo ukusebenza. Akumangalisi ukuba oomatshini bayo bahluke ngokupheleleyo, umzekelo, ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ukuthatha lo mahluko, akukho mathandabuzo ukuba ukuhlanganiswa kwezindlu nomhlaba kuya kukubonelela ngothotho lwezibonelelo. Ngaba uyafuna ukwazi ezinye zezona zibalulekileyo? Mhlawumbi ungayisebenzisa le ngcamango ngexesha elithile ebomini bakho.
- Imbuyekezo kolu tyalo mali yile ingaphezulu kwale nayiphi na imveliso yebhanki (Iidipozithi zexesha, amanqaku ezithembiso zebhanki, iakhawunti yomvuzo omkhulu, njl. Nokuba ngamanye amaxesha kunokudlula oko kuveliswe kutyalo-mali olwenziwe kwiimarike zezabelo.
- Kuyinyani ngokupheleleyo ukuba ayivelisi inzala emiselweyo kwaye akuqinisekiswanga, kodwa ngokuchaseneyo kuxhomekeke kwindaleko kumaxabiso endlu. Esi sesinye sezizathu zokuba kuboniswe ukungqubana okuqinileyo ukusuka komnye umthambo ukuya komnye.
- Njengomgaqo jikelele, imbuyekezo kule ndibaniselwano yentsebenziswano ikwimida ehambayo ukusuka kwi-3% ukuya kwi-13%. Kuxhomekeke kwipropathi ekhethiweyo kunye neempawu zayo. Yinto ekufuneka uyithathele ingqalelo ukuba uza kukhetha ukwenza ukonga kwakho kube luncedo ngale modeli yokuthengiswa kwezindlu.
- Isithembiso onaso ngoku ayinabisi kakhulu, nangona liyinxalenye ekhulayo kwaye izindululo ezintsha zinokulindelwa ukusukela ngoku. Nokuba iifomati zithengiswa kwi-Intanethi, kanye njengoko kusenzeka ngoku.
- Ubunewunewu bayo obuhle buxhomekeke kwinto yokuba awudingi mali ininzi yokutyala. Ukuba akunjalo ngokuchaseneyo, ungathatha isikhundla ukusuka kwi-euro ezingama-50 kuphela. Ngale ndlela, ayinyanzelisi imveliso ukuba iqeshwe kuba ivulelekile kuwo onke amakhaya.
- Umtsalane wayo omkhulu kukuba unako khetha phakathi kweepropathi ezahlukeneyo, kuba amaqonga earhente yokuthengiswa kwezindlu ayinyanzelisi naluphi na uhlobo lotyalo-mali. Nguwe oyikhethayo ngokuxhomekeke kukhetho lwakho ngaphakathi kweli candelo.
- Njengenxalenye elungileyo yeemveliso zemali cinga a umhla wokuphela Kulapho uyakufumana umdla wakho engqondweni. Ngaphantsi kwamaxesha anokusukela kwiinyanga ezimbalwa ukuya kunyaka omnye okanye emibini malunga.
- Ukudityaniswa kwezindlu nomhlaba akuqali Akukho luhlobo lweekhomishini okanye ezinye iindleko kulawulo nakulondolozo lwayo. Oku kuyakuvelisa ukonga iindleko okunokukunceda ukuze ufumane inzala yokwenyani kwiminikelo yakho yezemali. Ayothusi into yokuba izibonelelo ziya kuba zizonke, ngaphaya kokuhlawulwa okuza kwenziwa kunyango lwerhafu.