Amathiphu ayi-7 okuphumelela emakethe yamasheya futhi abhekane nokushoda kwemali

uphumelele

Njengokujwayelekile, inhloso enkulu yabatshalizimali abancane nabaphakathi ilele ekwakheni inzuzo ephezulu kakhulu yokusebenza kwabo emakethe yamasheya. Yimpumelelo otshalile imali yakho. Kepha akufanele kunganakwa ukuthi isu elisuselwa ekunciphiseni izindleko lingabasiza ukuthi bathuthukise imiphumela yabo minyaka yonke. Kulesi simo esivamile, kungaphezu kokululeka ukwenza uchungechunge lwezinto eziseqhulwini ezijwayele ukunciphisa ukukhokhwa okubandakanyekile kunoma yikuphi ukusebenza ezimakethe zezimali. Ngabe ufuna ukwazi ukuthi yiziphi izenzo ezifanele kakhulu ukufinyelela le nhloso?

Kuhlala kunenzuzo enkulu yenza umsebenzi omkhulu kunenani lamanani amancane. Isizathu kungenxa yokuthi bakhiqiza ukonga okukhulu kumakhomishini. Akumangalisi ukuthi ukunyakaza kwemali encane kuyahlawuliswa maqondana nokutshalwa kwemali okuphakathi naphakathi. Lapho-ke kungcono ukuthi abatshalizimali bakhethe kakhulu lapho bethenga amasheya. Ukufika ezingeni lokuthi bazoba nomvuzo walesi senzo esilula ukukwenza.

Umehluko wenzuzo yemakethe yamasheya kazwelonke maqondana namazwe omhlaba awuncane njengomphumela womhlaba wonke wezimakethe zokulingana. Akungenxa yokushisekela izwe, kepha ngeke kubize lutho ukukhetha amanani wohlobo lomkhiqizo waseSpain ukwenza ukonga okusebenzayo kube nenzuzo. Amakhomishini akho afinyelele kabili eshibhile kunangaphandle kwemingcele yethu. Isizathu esanele ngaphezu kokukhetha lelisu lokutshala imali nelukuluku. Bazoba nezinzuzo eziphakeme kakhulu emakethe, ngenzuzo engaphezu kuka-5%.

Qasha isilinganiso esiphansi

Abatshalizimali abangenakho ukuthula emakethe, okungukuthi, labo abenza imisebenzi eminingi ngenyanga, bazobe besebenzisa imali ebaluleke kakhulu kumakhomishini nakwezinye izindleko kubaphathi babo. Kungukukhishwa okungagwenywa ngokuphelele ngokubhalisa imali ekhokhwayo yokusebenza emakethe yamasheya. Ngemali esondele ku- Ama-30 euros ngenyanga Ukusebenza okuningi njengoba abatshalizimali abancane nabaphakathi befisa, kungenziwa ngaphandle kwanoma yiluphi uhlobo lwemikhawulo noma imikhawulo. Ngemuva konyaka owodwa nangemva kokuhlaziya imiphumela yale mali, kuzophethwa ngokuthi kube nama-euro amaningi alondoloziwe. Ngaphezu kokucatshangwa kusukela ekuqaleni.

Holwa mkhuba

Enye yezikhiye zokuphumelela ku- ukusebenza ezimakethe zamasheya kusekelwe ekulandeleni ukuthambekela okuhle kakhulu. Lokho wukuthi, qala ukunyakaza ku phezulu okwakamuva, futhi lapho kuvela izimpawu zokuqala zobuthakathaka, susa izikhundla ngokushesha. Uma leli qhinga elilula lisetshenziswa ekutshalweni kwemali, amathuba okuthi isitatimende sethu semali esizokhuphuka azobe enyuke kakhulu. Kulula futhi nokulandela ngoba kuzodingeka kuphela ukuphindaphinda ukunyakaza kwezimakethe zezimali. Kuze kube yilapho ufeza izinhloso ozibekele zona ekuqaleni kokusebenza.

Ukungatshali imali oyidingayo

dinero

Ukusebenza okuphakathi nesikhathi esifushane kuhlale kuyingozi kunoma yisiphi isidingo sokwempahla kuma-akhawunti akho. Ngalesi sizathu, ngaphambi kokutshala imali kufanele hlaziya ukuthi siyini isimo sakho sezezimali. Ngoba uma uzodinga imali eminyakeni embalwa, izingcuphe zakho zanda kancane kancane futhi uzibeka obala ukuthi awunakho ukukhetha ngaphandle kokuthengisa, kancane noma ngokuphelele, amasheya ngentengo embi, ngokwehla okukhulu ekulinganisweni kwawo. Ngalo mqondo, uma lezi kuyizikhathi zokugcina okhethweni, utshalomali kufanele lwenziwe ngaphansi kwesamba esingafuneki kakhulu. Lapho ungaphendula khona ezindlekweni ezizokulethela izinyanga ezimbalwa ezizayo.

Gxila esikhathini eside

Yize kungathandisi kwakho kulesi sigaba sokutshalwa kwemali, amathuba okulahlekelwa yimali ancipha kakhulu. Uma ufuna ukuthola imiphumela eyamukelekayo otshalweni lwakho, kufanele uye kule migomo emide. Ngakolunye uhlangothi, uma unezikhundla ezivulekile kwezokuphepha ezisabalalisa izinzuzo, akufanele ukhohlwe ukuthi uzoba inkokhelo engaguquki futhi eqinisekisiwe iminyaka, noma yini eyenzekayo ezimakethe zezezimali. Ngenzuzo ehamba ebangeni elisuka ku-3% lize liye ku-7%. Lokho, kufana nokuthi unenkontileka yomkhiqizo wemali engenayo ongaguquki ngaphakathi kokuguqukayo. Kungakhathalekile ukuvela kwamanani.

Gwema imisebenzi yokuhweba

Futhi ekugcineni, akufanele wamukele kakhulu lolu hlobo lokuhweba ngamasheya ngoba bathambekele ekulahlekelweni yimali. Izifundo ezahlukahlukene zikhombisa ukuthi ngaphezu kuka-80% wabatshalizimali abazama ukunciphisa imali yabo ezimakethe zokulingana. Ngaphezu kwalokho, kufanele unikeze ngezinga eliphakeme kakhulu lokufunda kunasemisebenzini ejwayelekile yokuthenga nokuthengisa amasheya emakethe yamasheya.

Amakhredithi avela kuma-ATM

ATM

Kunoma ikuphi, nangaphambi kwezimo lapho kungenzeka ulahlekelwe yimali eningi kunaleyo ongayicabanga, ungalingeka ukuthi ufune umugqa wesikweletu ukuze wanelise izidingo zakho zekhredithi. Enye yamamodeli angafuneki kakhulu yilezo ezitholakala kumakhredithi avela kuma-ATM. Ikakhulukazi ukuze kube lula ukuzithola futhi ngoba zisebenzisa isilinganiso senzalo esingaphansi kunamanye amafomethi. Bazokusebenzela babhekane nesimo esibi ezimakethe zamasheya, inqobo nje uma imali etshaliwe ingekho phezulu kakhulu kusukela lapho lo msebenzi ngeke uzuze lutho kuwe. Hhayi ize, uzokhokha ama-euro amaningi ngenzalo.

Izimali ezisheshayo zinomunye wabaveleli bazo abakhulu kunabo bonke kumakhredithi ngama-ATM futhi lokho kungaholela kubasebenzisi ukuthi babe sesimweni sokuphuma enkingeni eyinqaba empilweni yabo yansuku zonke. Kunoma ikuphi, kungumugqa wesikweletu okhetheke kakhulu ongaziwa kwinani elikhulu lamakhasimende. Ngenxa yezici zayo ezikhethekile, akubhekwa njengemali ejwayelekile kusukela ekuqaleni kuyimali mboleko esivele inikezwe ngakho-ke ayidingi ukuvunywa kwakho. Ngalo mqondo, kuyinto esondele kakhulu ku- a isikweletu esinikezwe kuqala.

Uma lo mthombo okhethekile wezezimali uhlukaniswa ngokuthile, kungenxa yokuthi kungenzeka ukufinyelela ithiphu lesikweletu ngendlela eshesha futhi esheshayo. Ngaphandle kwesidingo sokufaka isandla alukho uhlobo lwemibhalo noma wenze izinqubo ezinzima zokuphatha. Umnikelo weholo noma imali engenayo ejwayelekile ayidingeki ngisho. Hhayi ngeze, emahoreni ambalwa ummangali uzoba nemali yakhe akwazi ukuyikhipha kuma-ATM ebhange lakhe. Kuyinzuzo yokuqala maqondana nezinye izindlela ukufuna imalimboleko, noma kungeyona yodwa njengoba kungabonakala.

Isikweletu esincane

Banikela ngamanani amancane kakhulu awadluli ngalutho umkhawulo wama-euro ayi-10.000 futhi lokho kungasetshenziselwa noma yisiphi isidingo ngabafakizicelo. Kusuka ekukhokheni isikweletu kubantu besithathu kuze kuthengwe noma iyiphi into yabathengi. Ngakolunye uhlangothi, izimo zayo zenkontileka zinomusa othe xaxa kunezinye izindlela zezimali. Ngomehluko ongafinyelela endaweni eyodwa yamaphesenti ekusetshenzisweni kwezinga lenzalo ngamabhange. Futhi, abavamile ukudlula iminyaka emihlanu ukuhlangabezana nesikhathi esinqunyiwe sokukhokha.

Kunoma ikuphi, induduzo yakho iyisisusa esikhulu sokwenza le mboleko ekhetheke ngokusemthethweni. Akungenzelwa ize kungashintshwa nganoma yisiphi isikhathi sosuku futhi ngaphandle kwesidingo sokudlula egatsheni lebhange ukuhlangabezana nalesi sidingo. Njengoba okuwukuphela kwesidingo semvume yayo ukuba yikhasimende futhi ube nekhadi lesikweletu nebhizinisi elikhiphayo lalo mkhiqizo. Kusukela kulowo mzuzu oqondile, kuzodingeka kuphela ukuqoqa imali kusuka kunoma iyiphi idivaysi ezenzakalelayo okwamanje edingeka ngempela.

Kuvuselela ngokuzenzakalela

amakhadi

Yize okunikezwayo okuvela emabhange kunikela phakathi kwama-euro ayizi-5.000 10.000 kuya ku-XNUMX XNUMX ngezidingo zamakhasimende abo, akudingekile ukukhipha la manani. Kepha kunalokho, ungaba nenani eliphansi futhi unezimo ezifanayo ekwakhiweni kwalo ngokusemthethweni ngamanani afunwa kakhulu. Lesi ngesinye sezizathu zokuthi kungani zikhonjisiwe kuzo zonke izinhlobo zamaphrofayela kumakhasimende, ngoba futhi awadingi ukuxhumana neminye imikhiqizo yasebhange.

Enye yeminikelo yakhe efanelekile ukuthi ukuqashwa kwakhe akuphathi amakhomishini noma ezinye izindleko ekuphathweni nasekugcinweni kwayo. Njengomphumela walokhu okukhethekile, izindleko zingaqukatha ekupheleni kokuncishiswa kwazo. Lapho kukhona khona nethuba lokuvuselela umugqa wesikweletu ngokuzenzakalela nanoma nini lapho kudingeka. Uma nje kungekho zikweletu ezisasele nebhizinisi eliphethe ukumaketha lo mkhiqizo wasebhange omusha. Ngoba akunakulibaleka ukuthi inikezwa amaklayenti ancibilika kakhulu asebenze nesikhungo sezezimali iminyaka neminyaka nokuthi singenziwa sihambisane nezinye izinhlobo zamakhredithi akhishwe kumkhiphi ofanayo. Phakathi kwezinye izizathu, ngoba kuyimali encane yomugqa wesikweletu, nezidingo ezithambile.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.