Xa uqwalasela utyalo-mali kwimarike yemasheya, akufuneki ukuba uthathele ingqalelo kuphela izibonelelo ezinokubakho zemisebenzi oyenzayo. Kodwa iindleko eziya kuvela kwiikomishini ukuba ibhanki yakho yesiqhelo iya kukuhlawulisa ngokwenza oko ukuthenga nokuthengisa iiodolo kwiimarike zengeniso ezahlukeneyo. Nokuba kukwiimarike zelizwe okanye ngaphandle kwemida yethu. Kuba iya kukubiza imali ongafanele uyijongele phantsi kwaye iya kuthatyathwa kwinzuzo eyinkunzi oyifumanayo kwintshukumo nganye oyenze ngokusesikweni ukusukela ngoku ukuya phambili.
Enye inkalo ongafanele uyilibale nangaliphi na ixesha kukuba ezi khomishini azilungiswanga kodwa kuya kuxhomekeka kwiziko oqhele ukusebenza nalo. Nangona kuyinyani ukuba iyantlukwano ayiyi kubonakala kakhulu ngokuhlukana kwee-euro ezimbalwa nje. Kwelinye icala, unokuthatha ithuba lonikezelo lwentengiso oluvulelwa amaqumrhu emali kubathengi bawo. Kwezinye iimeko, ngezaphulelo ezinobundlobongela kakhulu ezinciphisa ezi khomishini kwimarike yemasheya ukuya kuthi ga kwi-35%. Ngelixa kwelinye icala, usenakho ukunciphisa le nkcitho yotyalo-mali ngeereyithi ezisicaba.
Nokuba yeyiphi na imeko, unezicwangciso ezininzi zokuqulatha ezi ndleko kubudlelwane bakho neemarike zezabelo. Abayi kuba nzima kakhulu ukufaka isicelo kwaye kwelinye icala izibonelelo zinokumangalisa ngokwenene. Ukuya kwinqanaba lokuba uya kuqaphela kwibhalansi ye-akhawunti yakho yokutshekisha ukusuka kula maxesha. Kuyacetyiswa ukuba ukwazi oku kulo nyaka mtsha ukuze ukusuka kule nkqubo ukwazi ukuqalisa iindlela eziya khuthaza ukonga ngendlela enengqiqo kwaye okona kubalulekileyo, ngaphandle kokuncama nantoni na malunga nonxibelelwano lwakho nelizwe elihlala lintsonkothile kwimarike yemasheya.
IiKomishoni: qesha ireyithi yeflethi
Esinye sezicwangciso ezisebenzayo zokufezekisa le njongo ifunwayo isekelwe ekuhlawuleni rhoqo imali efanayo. Nokuba yeyiphi imisebenzi yemarike yemasheya oyenzayo kwangaloo nyanga inye. Ngale nkqubo yentlawulo ungagcina isahlulo sesithathu seekhomishini ezisetyenziswa kuwe liziko lakho letyala. Zizinto ezibizwa ngokuba zii-flat rates zokusebenza kwi-stock market kunye nezixa zazo ziluhlu phakathi kwama-20 nama-40 euros njengentlawulo yenyanga. Kukwakho nezo zemisebenzi kwiimarike zamazwe ngamazwe ezonyusa isixa ngee-euro ezimbalwa.
Eli xabiso lenzelwe abatyali-mali abenza imisebenzi emininzi ngenyanga kwaye kufuneka banciphise iindleko zekhomishini. Ukuba, kwelinye icala, iintshukumo zakho zilinganiselwe ngakumbi, kusenokungabi lula kuwe ukuba wenze ikhontrakthi kule ntlawulo yenyanga. Phakathi kwezinye izizathu kuba akuyi kuba nenzuzo kwaye ekugqibeleni uya kuhlawula imali eninzi kunokuba kuyimfuneko. Ke ngoko, kuyacetyiswa ukuba uhlalutye ngokweenkcukacha ezinkulu ukuba yeyiphi iprofayili oyivezayo njengomtyali-mali omncinci naphakathi. Ngenjongo ephambili yokuphucula yonke imisebenzi kwiimarike zezabelo ukusuka ngoku ukuya phambili. Uzakubona ukuba zingakanani izinto eziza kukuhambela kwaye uza kuchitha imali encinci ukuqala kulo nyaka.
Iintengiselwano ezinkulu
Elinye lamaqhinga amancinci okwandisa le nkcitho kwimarike yemasheya kukwenza imisebenzi embalwa kodwa emikhulu kwingeniso eguquguqukayo. Oku kungenxa yokuba zinokusetyenziswa awona macandelo ekhomishini anenzuzo ukulungiselela umdla wakho njengomtyali-mali omncinci nophakathi. Ngenxa yesi sicwangciso esikhethekileyo uya kukwazi ukugcina i-euro ezimbalwa ngonyaka. Ngenzuzo eyongezelelweyo yokuba uhlaziyo olunokwenzeka luya kubaluleka ngakumbi ngenxa yokunyuka kwenkunzi kumsebenzi ngamnye owenziweyo. Ngoko ke, le ntshukumo iya kufuna ukhetho olukhulu lwezibambiso ezithengwa kwaye zithengiswe kwiimarike ze-equity. Ngokufutshane, kuthetha ukulungelelaniswa okukhulu kwezibonelelo ezisetyenziswayo.
Gxininisa kwimilinganiselo yesizwe
Esinye sezitshixo zokulungiselela imisebenzi kwi-stock market isekelwe ekukhetheni iinkampani ezidweliswe kwii-indices ze Izabelo zeSpanish. Ngaphezulu kwamaxabiso akhoyo kwiimarike ezingaphandle kwemida yethu. Esi sicwangciso sotyalo-mali siya kwenza ukonga kwiindleko zekomishini. Ayilolize, zibiza kakhulu kwaye zikuvumela ukuba uqulathe intlawulo eyenziwa lolu hlobo lwemisebenzi.
Ngaphezu koko, unayo unikezelo olwaneleyo ukwanelisa le mfuno ikhethekileyo. Ngawo onke amacandelo amelwe kurhwebo lwesizwe oluqhubekayo. Ukusuka kumaqela emali yemveli ukuya kwiinkampani ezithe zangenisa iimodeli zobuchwepheshe zamva nje. Awuyi kuswela nto kwaye uya kucinga ukuba akuyi kuba yimfuneko ukuya phesheya ukuze utyale imali yakho kwiimarike zezabelo zamashishini ezingenanzala emisiweyo.
Thatha ithuba lokunikezela
Enye inkqubo engazange isilele ukukugcina imali kwimarike yemasheya yenziwe ngokuthatha inzuzo izingas ezibonelelwa ngamaziko amatyala. Uya kukwazi ukubona ukuba iyantlukwano ingaba banzi kakhulu. Kwanele ukukugcina ukuya kuthi ga kancinane ngaphezu kweshumi kumsebenzi ngamnye wokuthenga nokuthengisa. Kuya kufuneka uhlalutye kuphela izibonelelo ezicetywa ngamaqela ezezimali ukuba usebenze nezi marike. Basenokude bafezekise unyuso oluthile olunokwanelisa kakhulu ukukhusela umdla wakho njengomtyali-mali omncinci naphakathi.
Imarike nganye inezinga layo
Usenokungayazi, kodwa ayizizo zonke iimarike zezabelo zamashishini ezingenanzala emisiweyo ezigcina ikhomishini efanayo ebandakanya ezi ntlobo zemisebenzi. Njengesiphumo solu phawu, awuyi kuba nako ukukhetha ngaphandle kokugxila kwiindawo zamazwe ngamazwe. ngamaxabiso angcono ngala maxabiso. Kuba ngokuqinisekileyo uya kufumana elinye ixabiso elikwindawo yokuba uthathe izikhundla. Ewe akunyanzelekanga ukuba uye kwezona zibanzi. Ngenxa yokuba awunaso isizathu esinengqiqo sokuya kuloo marike yezabelo. Ubuncinci yinto yokucinga ngaphezulu kabini.
Yandisa ixesha lokuhlala
Ewe kunjalo, ukwandisa imiqathango yesigxina kunokukunceda ukuba uqulathe iindleko zekhomishini. Ngesizathu esilula kakhulu kwaye kungenxa yokuba uya kwenza imisebenzi embalwa kunangaphambili. Kwaye ke uya kuyenza ngokusesikweni bambalwa abathenga kwaye bathengise iiodolo. Kananjalo ngesi sicwangciso soqobo ungagcina ii-euro ezimbalwa unyaka wonke. Nangona kufuneka ucwangcise imihla ebekiweyo apho imisebenzi yakho yentengiso yemasheya kufuneka ibhekiswe kuyo. Naphantsi kwazo naziphi na iimeko kufuneka uphucule iintshukumo zakho. Kuba inokuba nefuthe elibi kwibhalansi yeakhawunti yakho yokujonga.
Musa ukwenza imisebenzi emininzi
Nangona isisinyanzelo esibaxiweyo ngandlel' ithile, ungathandabuzi ukuba uya kuziphumeza ezona njongo zingxamisekileyo ngokusetyenziswa kwayo. Kuba nayo ifuna ukuba ube ninzi efuna ngakumbi ukususela ngoku ukuya phambili. Akunyanzelekanga ukuba utyalwe unyaka wonke. Udinga ikhefu eliya kukunceda ufumane amandla amatsha kwimisebenzi elandelayo kwiimarike zezabelo. Njengoko uza kubona, kukho izibonelelo ezininzi kunomonakalo onokuthi ukuphunyezwa kwemisebenzi eyahlukeneyo kukuzise, ungenzi ngqiqo. Yinto enokukuzisela iingxaki kuphela nangaliphi na ixesha lonyaka.
Ukusuka kumaqonga ezemali
Esinye sezigqibo omele ufikelele kuso kukuba akuyomfuneko ukuba usebenze kwimarike yemasheya kuyo nayiphi na ibhanki. Ukuba akunjalo, ngokuchaseneyo, unokwenza ukuthenga kwakho kunye nokuthengisa iintshukumo kwimarike yemali. Akunjalo ngelize, kwiimeko ezininzi banikela iikhomishini ezikhuphisana ngakumbi kunye nenkonzo esebenza kakhulu yokucebisa ngotyalo-mali. Ukuya kwinqanaba lokuba olu tshintsho kulawulo lwepotfoliyo yokhuseleko lwakho lunokukubuyekeza. Maninzi amaqonga akhoyo kwintsimi yethu. Nakwiindlela ezikwi-intanethi ukuze utyale ii-asethi zakho kwikhaya lakho.
Iibhanki ezikwi-Intanethi, ezinamaxabiso aphantsi
Akukho mathandabuzo ukuba imisebenzi eyenziwa kwi-Intanethi inamaxabiso ekomishini akhuphisanayo. Apho ungagcina khona ukuya kuthi ga isiqingatha sexabiso layo. Ngenzuzo eyongezelelweyo yokuba akuyi kufuneka uye kwisebe lebhanki ukuze usayine izigunyaziso zokuthenga nokuthengisa. Ukuba akunjalo, ngokuchaseneyo, ungazilawula naphi na apho ukhoyo. Nokuba usuka kwindawo yakho yeholide okanye kwiihambo ekufuneka ujongane nazo ukusukela ngoku ukuya phambili.
Ngeli xesha, uninzi lwamaqumrhu ebhanki anayo le nkonzo efumanekayo kubathengi. Ngaphandle kokucinga akukho ntlawulo eyongezelelweyo kwiindleko eziya kwenziwa yimisebenzi kwiimarike zezabelo. Kungumkhwa wokuba inani elandayo labasebenzisi lijolise kulo mzuzu. Ukuya kwinqanaba lokuba awuzukufumana imali kuphela, kodwa kunye nexesha kunye nentuthuzelo yokwenza naluphi na uhlobo lwemisebenzi ukwenza imisebenzi yakho ibe nenzuzo.
Isicwangciso esisetyenziswa linani elihle labantu abatsha abafuna ukwandisa ubudlelwane babo kunye nehlabathi elihlala linzima lemali. Ukususela ngoku unokuba ngomnye waba bantu. Ngaphaya kweprofayile oyinikezelayo ngalo mzuzu: undlongondlongo, uphakathi okanye uphakathi. Emva kwayo yonke loo nto, kuyinzuzo enkulu ukusebenza kwimarike yemasheya.