Ngaphakathi kweli candelo lezoqoqosho, sinokufumana uthotho lweendlela kunye neentshukumo zokulawula umngcipheko onokuthi uthathwe kwingxowa mali etyalwe kwimarike yemasheya. Le nkqubo iyaziwa njengemali.
Ukwenza ishishini kwimarike yemasheya yenye yemisebenzi yezemali enokuba neziphumo ezibi kakhulu kubatyali mali abancinciZombini ezilungileyo nezingalunganga, kwaye ngesiqhelo, yintoni ebeka umohluko kwinkalo nganye kwezi ngamava aqokelelweyo, kunye nenqanaba lomngcipheko ngamnye wabathathi-nxaxheba kulo msebenzi wezoqoqosho bazimisele ukuwenza.
Ngenxa yoko, kukho iimeko zabantu abadale imali encinci ngokunikezela ubomi babo kwi Thenga-thengisa iintshukumo kwimarike yemasheya, kodwa kukwakho nezinye iimeko ezininzi, mhlawumbi ezininzi ngakumbi, zalabo bantu abathi ngokuqhwanyaza kweliso, kanye njengokuba bebeya kuthi batyale imali yabo kubhejo lwekhasino, baphele bebona ukonga kwabo okanye oovimba abazizisele iminyaka emininzi yobunzima umsebenzi kunye nomzamo.
Ezo zinto zimbini ezigabadeleyo umntu anokuzifumana kolu hlobo lweshishini, kodwa ngokuqinisekileyo ikhona yonke into. uhlobo lwamatyala neemeko ukuba bangabala inani elithile lempumelelo kunye nokusilela okuguqula utyalomali kwimarike yemasheya ibe ngumsebenzi wezoqoqosho weendlela ezahlukeneyo ekungekho nto iqinisekileyo ngayo.
Yintoni ubungakanani bemali?
Ngamagama alula, Uxinzelelo lwemali luquka uhlobo lotyalo-mali olubhekisa kumandla okulawula imali eninzi kwiimarike, kunokuba sikhona ngelo xesha. Oko kukuthi, kumalunga nokudlala kunye nokubeka emngciphekweni imali esingenayo kwifom yolwelo. Oku kunokwenzeka ngenxa yento yokuba kukho imveliso ethile yezemali esivumela ukuba siphumeze ezi ntlobo zentshukumo.
Kufanelekile ukuba ukhankanye loo nto ukubaluleka kokunyuswa kwemali Kumaxesha angoku idlule ngendlela yokuba ingafumaneki kwilizwe lotyalo-mali kuphela, kodwa singayisebenzisa, ngendlela esisiseko, kubomi bethu bemihla ngemihla, siqala kubomi bethu bemihla ngemihla.
Umzekelo wokuqala esinokuthi sisondele kuwo ukuba ungayintoni Ukuziqhelanisa nokusebenza kukulawulwa kunye nokuphathwa kwamakhredithi, kuba yile nto kanye ezi zinto zithetha ngayo, ukuthenga ngexabiso lemali esingenayo ngexesha lokuthenga, kwaye ke siyakwenza intlawulo inyanga nenyanga.
Umzekelo, ukuba uthenga imoto exabise malunga ne-20.000 euro, banokucwangcisela iarhente yeemoto intlawulo yokuqala emalunga ne-4.000 ye-euro kwaye oko kuthetha ukuba usebenzisa i-5 ukuya kwi-1, oko kukuthi, ukufumana Ewe, ubeka isihlanu kwixabiso laso ngaphambili, nangona ucwangcisile ukuhlawula uthotho lweentlawulo zenyanga.
Imeko yokuqala kukuchaza indlela ezinokuthi zisetyenziswe ngayo imali nakwimpilo yethu yemihla ngemihla ngaphandle kokuyiqonda. Nangona kunjalo, kwimeko yemarike yemasheya, eli nyathelo lifumana intsingiselo enkulu kwaye, ewe, lineziphumo ezinzulu ngakumbi.
Ii-CFDs ukuze zikwazi ukutyala imali kunye nomgangatho
Kule nkalo, ukuba sifuna ukuthenga inani elithile lezabelo kwinkampani ethile nakwisixa esithile semali, amanani abaluleke kakhulu ekuchazeni ilahleko enokubakho okanye iinzuzo esinokuba nazo kutyalo mali olo. Umzekelo, ngee-CFDs ezidumileyo (izivumelwano zomahluko), sinethuba lokuthenga izabelo ngexabiso elingaphezulu kwenkunzi yethu yemali, ukuze sikwazi ukuvelisa inzuzo ephezulu ngaphandle kokuhlawula isixa semali esigqithisileyo ngaxeshanye.
Ngamagama alula, Ukunyusa kubandakanya uhlobo lokuphindaphinda komngcipheko, Isixhobo semali esinokubanakho ukonyusa inzuzo ngokukhawuleza, kodwa kwangaxeshanye yenye yeendlela zotyalo-mali eziyingozi, ngakumbi kubatyali zimali abaqalayo abathatha amanyathelo abo okuqala kolu hlobo lweshishini, yiyo loo nto ingekho Kuyacetyiswa konke kwaba bantu.
Ke ngoko, ukuba siceba ukufumana malunga nezabelo ezili-100 zenkampani ezinazo kwi-euro ezingama-20 inye, kodwa asinayo imali yokuthenga, eya kuthi ibe malunga ne-2000 ye-euro, isibonelelo siqulathe ukunika umthengisi Ipesenti yesibalo, athi asibuze Isiqinisekiso sokukwazi ukukunyusa. Ngale ndlela, unokutyala imali, umzekelo, i-5% yesixa sokuqala sokuthengwa kwezabelo, eziya kuthi ke zibe malunga ne-100 le-euro xa zizonke, kodwa phantsi kwale modality, izibonelelo zayo ziya kubalwa njengenani lezabelo ilingana nee-euro ezingama-2000, kwaye into enomdla malunga nokuthengiselana inikezelwa ngezona ziphumo ziphambili zinokuvela kuyo.
Iziphumo zokuqala ezinokulindeleka ngokusetyenziswa kwesixhasi, kusekwe kwiinzuzo ezinokubakho enokufunyanwa ngokubonisa iziphumo ezilungileyo, kwaye inezi zinto zilandelayo: ukuba sifumana inzuzo ye-10% ngotyalo-mali lwethu lweCFD, eyona nzuzo yethu ayinakuba ne-10% yotyalo-mali lwethu lokuqala, oluli-100 leerandi, kodwa kwi I-10% yesibonelelo esisenzileyo kunye nomrhwebi, oko kukuthi, i-10% ye-euro ezingama-2000, ezimele ngokupheleleyo inzuzo engama-200 e-euro, apho sifumana khona inzuzo ye-100 ye-euro, ekugqibeleni saphindaphinda loo nto Imali yokuqala esiyibeka njengotyalo-mali lokuqala.
Iliso leze, le ndlela inokubonakala inomtsalane Nabani na onomdla kwiintlobo zokuhamba kwemali, kodwa njengoko bekutshiwo ngaphambili, akukhuthazwa ukuba abantu abangenamava bafumane olu hlobo lomngcipheko, kwaye siza kubona isizathu ngale meko ilandelayo enokuvela kutyalo mali.
Kwimeko yesibini, iziphumo azonelisi kuba apha sithetha ngelahleko kwaye zinkulu kakhulu. Iziphumo ezingalunganga kukuba ukuba Izitokhwe esizithengayo ziyawa kwaye siyalahleka ye-10%, emva koko asizukuphulukana ne-10% yeedola zethu zokuqala eziyi-100, kodwa ilahleko iyakuba yi-10% yeedola ezingama-2000 athe umrhwebi wangena kuzo ngokusebenzisa, nokuba asikaze sikunike umthengisi. Kule meko, ukuba imali yokugubungela ilahleko ayikho kwiakhawunti yethu, kwenzeka ntoni ukuba umthengisi agcine oko kukhoyo, ashiye iakhawunti kwi-zero kwaye asikhuphe kwangoko kwintengiso.
Indlela yokunciphisa umngcipheko xa usebenzisa ubungakanani?
Indlela enomdla kakhulu yokunciphisa ukubakho ilahleko ubuncinci kukubeka kumrhwebi wakho oko kwaziwa njenge “stop stop”, ekubalulekiyo ukwazi umahluko phakathi kwemali eyilwayo kunye nenkunzi yomngcipheko, inkqubo equka oku kulandelayo:
- Imali etyalomali yile esiyibeka etafileni, oko kukuthi, xa sinika umrhwebi wethu malunga ne-2000 euro ukuthenga izabelo ezili-100 nge-euro ezingama-20 inye, kwinkampani ethile, sityala imali ngee-euro ezingama-2000 ngolu hlobo, okungakumbi akufuni kuthethwa sinalo lonke elo xabiso lisemngciphekweni, kuba enkosi ukuyeka ukulahleka, Sinokumisa ngokuzenzekelayo xa ixabiso lezabelo liqala ukwehla, kwaye kulapho umbono wekhapitali yomngcipheko ungena khona.
- Imali yomngcipheko iquka ukusebenzisa ukuyeka ukulahleka ukuthengisa kwangoko izabelo zethu ngokukhawuleza xa ziqala ukuwela kwinani elithile. Umzekelo, kwizabelo ezili-100 ezazithengiwe nge-euro ezingama-20 inye, ukunciphisa umngcipheko welahleko, sinokufaka isicelo ukuyeka ukulahleka kwii-euro ezingama-18, okuthetha ukuba kwakamsinya nje ukuba ixabiso lesabelo ngasinye lihle ukusuka kwi-20 kuye kwi-18 euro, izabelo ezili-100 ziya kuthengiswa ngokuzenzekelayo, ke siya kuzikhusela ekuchaseni ukuba ixabiso lazo liyaqhubeka ukwehla ngokukhawuleza. Kule meko siza kuphulukana ne-euro ezimbini kuphela ngesabelo ngasinye, kwaye ke ngenxa yoko siza kuba sesichengeni sokwenyani sama-euro angama-2, nto leyo eya kuba ngumngcipheko we-200 otyale imali. Ngamafutshane, kuyindlela esebenzayo yokuphuma emdlalweni ngaphambi kokuba imeko ibenzima kakhulu, kuba kweli shishini ixabiso lesabelo linokuphinda kabini ngephanyazo, okanye liwe kwangoko lide liphulukane nexabiso lalo lonke.
Kanye njengoko siye sakwazi ukujonga, Ukusetyenziswa koxinzelelo kutyalo-mali kwimarike yemasheya kusebenza njengenye yezixhobo zomngcipheko ezinomdla kunye nezinomdla ezikhoyo namhlanje, kuba ukusetyenziswa kwayo okukuko kungazisa inzuzo ngaphezulu kwezo ziqhele ukushiywa kukuthengwa okuqhelekileyo kwezabelo. Nangona kunjalo, kufuneka kukhunjulwe ukuba sisixhobo esinobungozi kakhulu semali, esinokubandakanya ilahleko enkulu kakhulu kwaye ulawulo lwayo kufuneka lushiyelwe kubatyali mali abanamava, kuba ngabo abanolwazi kunye nezixhobo zokujongana nayo yonke into. Uhlobo lwelahleko engalindelekanga okanye yezoqoqosho.