Uma imali ingezi into esifuna ukuyithenga, izikhathi eziningi ikhambi elifika engqondweni liwukuthi izikweletu zasebhange. Kodwa ziyini ngempela? Ingabe zikhona izinhlobo ezihlukahlukene?
Uma njengamanje usesimweni sokucela eyodwa kodwa ungazi ukuthi yiyona ndlela engcono kakhulu, lapha sizoxoxa nawe kabanzi ngakho konke lokhu ukuze wazi ukuthi yini ongayilindela.
Yiziphi izikweletu zasebhange
Ngokusho kwe-RAE, imali ebolekiwe yasebhange icatshangwa ngokuthi «inani lemali eliceliwe, ngokuvamile esikhungweni sezezimali, esinesibopho sokuyibuyisela nenzalo".
Ngamanye amazwi, sibhekene nokusebenzisana phakathi kwebhange, elibamba iqhaza likamashonisa, kanye nelomuntu oyidingayo leyo mali, lowo obolekayo. Yebo, ukuboleka leyo mali, kufanele kusetshenziswe uchungechunge lwezilinganiso zenzalo, okungukuthi, enye "imali engenayo eyengeziwe" okuyinzuzo yayo ngala mabhange ukuboleka leyo mali.
Yize ezikhathini eziningi imali ebolekwa amabhange icelwa abantu ngabanye, iqiniso liwukuthi baningi nabanye abagxile ezinkampanini njengoba bengazicela.
Empeleni umgomo wokugcina wemalimboleko awukona okunye ngaphandle kokunikeza inani elithile lemali kumuntu noma inkampani ukuze ikwazi ukuthenga noma ukukhokhela isevisi noma ukuthenga okuthile. Kodwa-ke, iqiniso liwukuthi kungase kube nezizathu eziningana ezishukumisela lowoboleki ukuthi afake isicelo salezi zimali ezibolekiwe zasebhange.
Yiziphi izici ezibaluleke kakhulu zemalimboleko yasebhange
Lapho ufaka isicelo sokubolekwa imali ebhange, kufanele ucabangele izici ezibalulekile okufanele uziqonde ngokuphelele. Okungukuthi:
- Capital: okuzoba inani lemali eceliwe ebhange. Qaphela, ngoba lokhu kungase kungabi yilokho abakunikeza khona ekugcineni, kusukela kamuva ibhange lingakwazi ukufinyelela, ukuphika noma ukunikeza esinye isiphakamiso.
- Inzalo: inani umboleki okuzodingeka alikhokhe ngokuboleka imali enkulu. Yimali eyengeziwe ebalwa emalimboleko ngayinye ngamabhange.
- Ithemu: Yisikhathi lapho umuntu okufanele abuyisele yonke imali ayicelile kanye nenzalo.
izinhlobo zemali mboleko
Izikhathi eziningi, lapho ucabanga ngemali mboleko yasebhange, uhlobo olulodwa luhlala lufika engqondweni, kanti nokho kukhona ezimbalwa ezingacelwa. Ukuze kucace, lokhu kungaba:
- Imalimboleko yomuntu siqu. Yilawo asebenzela ukuxhasa ngezimali isidingo esithile somuntu ngesikhathi esithile. Kulokhu, zingaba:
- Of ukusetshenziswa. Futhi kubizwa ngekhredithi. Zisetshenziselwa ukuthenga okuhle okungahlala isikhathi eside, njengemoto.
- Ngokushesha. Yilabo abamukelwa ngokushesha okukhulu, nakuba ezimweni eziningi bangase babe nesithakazelo esikhulu kakhulu.
- Kwezifundo. Njengoba igama layo likhomba, yizona ezisetshenziselwa ukukhokhela izifundo kanye nezindleko ezitholakala ezifundweni.
- Imali mboleko yezindlu. Okabani inhloso yokuba nemali yokuxhasa ikhaya, ibhizinisi, indawo, njll. Lokhu kuhambisa amanani aphezulu emali futhi ngokuvamile kudinga isiqinisekiso sokuthi sinikezwe.
Ukubolekwa kwemali ebhange kucelwa kanjani
Ingabe ususithathile isinqumo sokucela imali ebolekiwe ebhange? Ngakho okulandelayo okudingeka ukwenze ukwazi ukuthi kufanele uye kuphi ukuze ukuthole.
E-Spain kunezinhlobo eziningi zababolekisi ongaya kuzo, kodwa uma sikhuluma ngemali mboleko yasebhange, izindawo eziyinhloko yilezi:
- Amabhange. Ukucaciswa ukuthi ungacela imali mboleko emabhange eSpanishi nakwamanye amazwe inqobo nje uma enokumelwa eSpain.
- Ukonga.
- AmaCooperatives okonga kanye nesikweletu.
Ngaphandle kwalezi zindawo, imalimboleko ingatholwa nangezinkampani ezizimele (ezisebenza njengababolekisi) noma ngezitolo ezinkulu, izitolo, izinkampani zamakhadi esikweletu kanye nezinkundla zezikweletu phakathi kwabantu ngabanye.
Njengomthetho ojwayelekile, indawo yokuqala ozozazisa kuyo kuzoba yibhange lakho, futhi uma ekwenqaba, noma izimo zingakuvumeli, uzoya kwamanye amabhange noma amabhange okonga.
Yiziphi izimfuneko okufanele uhlangabezane nazo?
Ngabe ufuna ukwazi ukuthi ziyini izidingo Azocelani amabhange uma ufuna imali ebolekiwe ebhange? Siqala ngesisekelo sokuthi ibhange ngalinye lingadinga izidingo ezihlukile. Ngakho-ke uma wenqatshwa endaweni eyodwa, ungahlala ukucela kwenye indawo.
Nokho, ngokuvamile, kunezidingo ezibalulekile okufanele zicatshangelwe futhi yilezi ezilandelayo:
- Iba ngaphezulu kweminyaka engu-18. Okungukuthi, ukuba neminyaka esemthethweni.
- Yiba ne-ID evumelekile. Lokhu kubalulekile, nakuba uma sicabangela ukuthi i-DNI ingatholakala kusukela eminyakeni engu-14, iningi lingahlangabezana nale mfuneko.
- ube ne-solvency. Lapha kumele sicacise. Ngakolunye uhlangothi, kufanele uqinisekise imali engenayo evamile, okungukuthi, ubonise ukuthi uzokwazi ukubuyisela imali abazokuboleka yona. Lokhu akusho ukuthi kufanele ube nakho konke, kodwa kwanele ukunakekela izitolimende zanyanga zonke ezizokwenza ukhokhe.
- nikeza isiqinisekiso. Yilokho okubizwa ngokuthi isiqinisekiso sokukhokha noma sokugunyazwa. Ezinye izimali ezibolekiwe emabhange aziceli, ikakhulukazi uma imali ezobolekwa incane, kodwa kwezinye ziyayicela.
- Ungabi sohlwini lwamahlongandlebe noma ube nokuzenzakalelayo. Uma ukulolo hlu noma ungakhokhi, ngeke bakunike imali ebolekiwe, nakuba kulezi zimo ungaya ezinkampanini ezizimele njengoba ezinye aziyinaki le mfuneko.
Ngaphezu kokuhlangabezana nalezi zidingo, kufanele futhi ube nochungechunge lwemibhalo eseduze ezosheshisa izinqubo ngokushesha okukhulu. Ngalo mqondo sikhuluma ngokuthi:
- I-DNI noma i-NIF.
- I-akhawunti yasebhange (Inombolo ibalulekile ukwazi ukuthi bazofaka kuphi inani lemalimboleko.
- Iholo lakamuva noma inkontileka yomsebenzi (ukuqinisekisa ukuthi ungayibuyisela).
- Isitatimende semali engenayo.
- Izakhiwo egameni lakho.
Ngaphandle kwalawa madokhumenti, ibhange lingahlala licela okwengeziwe ngaphambi kokuthi lithathe isinqumo sokugcina.
Manje njengoba usuwazi yonke into ehlobene nokubolekwa kwebhange, kuzoba lula kuwe ukuhlonza izigaba, izidingo nakho konke odinga ukukwazi ngazo. Ukungabaza? Xhumana nathi ngaphandle kokuzibophezela.