Omunye wemikhiqizo yokonga ngokusebenza kahle ngamadiphozi asebhange wesikhathi esinqunyiwe. Kepha banabo ngokumelene nabo okwamanje inzuzo yabo ephansi. Ngokunikeza isilinganiso senzalo esingavami ukudlula 0,5% amazinga. Njengomphumela wesinqumo semali ukwehlisa intengo yemali ngabaphathi bomphakathi futhi lokho sekuhlawulisile ukonga kwabasebenzisi basebhange.
Kunoma ikuphi, kungumkhiqizo wezezimali okhululwe kumakhomishini nakwezinye izindleko ekuphathweni nasekugcinweni kwawo. Ukuba yisikhuthazo sayo esikhulu sokuthi ibhaliswe ngabasindisi abancane nabaphakathi ezweni lethu. Lapho kunezinhlobo eziningi zamasu okutshala imali ukuze khulisa inzuzo yale fomethi ehloselwe ukusindisa abantu. Ngenye inzuzo eyengeziwe okuwukuthi ingumkhiqizo ongavunyelwa kusuka kumanani aphansi kakhulu ngabantu bawo.
Ngakolunye uhlangothi, imali yasebhange yesikhathi esinqunyiwe yenziwe ngaphansi kwamafomethi ahlukahlukene, nokuyinto esizoyidlulisela kumfundi. Ukuze ngale ndlela, ube nemali esele unyaka nonyaka ku-akhawunti yakho yokonga. Ngesikhathi lapho kunzima kakhulu ukuthola ukusebenza okuphansi kakhulu futhi njalo ngaphansi kokulindelwe ngabasebenzisi ngokwabo. Ngezikhathi lapho imikhiqizo leyo hlanganisa nemali engenayo engaguquki Abanaso isikhathi esihle kakhulu. Uma kungenjalo, kunalokho, kusesimweni esiyinkimbinkimbi kakhulu ngabantu abathile abafuna ukuthola imbuyiselo emalini yabo.
Imali engaphezulu kwe-1%
Ukufeza le nhloso, kuyadingeka ukubhekana nezimo ezethulwe ngamabhange angaphansi ukukhushulwa kwezohwebo. Ngalo mqondo, ngezikhathi ezithile bavame ukwenza ukunikezwa kwalezi zici ezikhulisa inzuzo yalo mkhiqizo webhange ufike kumazinga angama-3%. Yize ngemigomo yokuhlala unomphela emifushane futhi emakethwa phakathi kwezinyanga ezi-3 nezingu-12 ubuningi. Ngaphandle kokukhanselwa ngaphambi kwesikhathi ngokungafani namanye amadiphozi wesikhathi esimisiwe. Futhi-ke mahhala kumakhomishini nezinye izindleko ekuphathweni noma ekugcineni kwawo.
Ngenkathi ngakolunye uhlangothi, kufanele kuqashelwe ukuthi le modeli yokonga yenzelwa amanani wemali afunwa kakhulu kunamanye amafomethi. Ngokuvamile, ngaphezu kwe- Ama-euro ayishumi noma ayi-2.000 nokuthi angeke zivuselelwe ngosuku lokuphelelwa yisikhathi. Lokhu ngeminye yeminikelo yabo efanelekile futhi okuyizimpawu ezibahlukanisa neminye imikhiqizo kusuka ezimakethe zezimali ezihleliwe. Kanye neqiniso lokuthi lesi sigaba samadiphozi wethemu asikuvumeli ukukhishwa kwemikhiqizo emibili noma ngaphezulu yalezi zici ngamalungu emindeni yethu.
Inkontileka neminye imikhiqizo yasebhange
Ukukhulisa izinga lokuthembeka ebhange lethu lempilo yonke kuhlala kunomvuzo ngendlela yamadiphozithi enenzuzo enkulu. Lokho wukuthi, ngokusebenzisa ukuqasha izimali zokutshala imali, izinhlelo zempesheni noma ama-akhawunti akhokha kakhulu Imali ingabhaliswa ngenzalo ephakeme kakhulu kunakuqala. Kufika lapho ungafika ku-5% ngokuhamba phambili. Futhi ngeminikelo yokuphromotha ehlose ukuklomelisa amakhasimende ayo amahle kakhulu.
Ngenkathi ngakolunye uhlangothi, ukwamukelwa kwaleli qhinga lokonga umndeni kuholela ethubeni lokukhetha phakathi kwamamodeli ahlukahlukene ngokuya ngamanani abhaliselwe, imigomo yaphakade noma ifomethi yawo. Ngamamodeli anhlobonhlobo aguqulelwe izidingo zangempela zamakhasimende noma zabasebenzisi. Ukuze ngale ndlela, babe sesimweni esingcono sokunyusa imingcele ebuthakathaka yokulamula le mikhiqizo yasebhange enayo ngalesi sikhathi. Noma kuleli cala abakwazi ukukhanselwa ngaphambi kwesikhathi noma.
Xhumanisa namasheya
Amafomethi anolaka kakhulu yiwo anikela ngomholo omuhle kakhulu okwamanje futhi angafinyelela kufayela le- Inzalo yonyaka futhi engaguquki ka-5%. Kepha kulokhu, ngeke sibe khona esinye isixazululo ngaphandle kokuxhumanisa lawa mali ebhange nezimpahla zezimali zezimali. Isibonelo, ngokwesibonelo amasheya ezinkampani ezithengiswa esidlangalaleni. Kepha ukugcina imishini ethile nokuthi udinga ukwazi ngaphambi kokubhalisela ukuze ngale ndlela ungatholi lutho olumangazayo phakathi nesikhathi sokuhlala.
Lesi sigaba samadiphozi asebhange wesikhathi esinqunyiwe siboniswa iqiniso lokuthi inzuzo engenzeka engenziwa ezikhundleni zayo itholakala kuphela uma ingxenye exhunyaniswe nemakethe yamasheya ihlangabezana nezinhloso eziphansi. Isimo esingesilo iqiniso ngaso sonke isikhathi kuzo zonke izimo. Uma kungenjalo, kunalokho, kwesinye isikhathi kunzima kakhulu ukufeza lezi zinhloso zokutshala imali. Kunoma ikuphi, futhi uma kwenzeka kwephulwa kwalesi sidingo, njalo futhi kuzo zonke izimo kukhona ifayela le- inzuzo engaguquki futhi eqinisekisiwe okuphakathi kuka-0,25% no-0,75% futhi kukhokhwa ekuvuthweni. Noma yini eyenzekayo ezimakethe zezimali.
Kunwetshwa nakwezinye izimpahla zezezimali
Leli qhinga kumadiphozithi asebhange alisebenzi kuphela ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Uma kungenjalo, ngokuphambene nalokho, kudlulela kwezinye izimpahla zezezimali, ngisho nakwezinye izinhlobo. Injalo-ke indaba yezinto zokusetshenziswa, izinsimbi eziyigugu noma njengezinto ezisungulwe kakhulu, inkomba eyinkomba yokuthola izimalimboleko zezindlu, ezaziwa ngokuthi I-Euribor. Yize kulezi zimo, okunikezwayo kungaminyene njengasemakethe yamasheya. Yize kusekelwe ngaphezu kwanoma yini ohlelweni lwezinhloso hhayi amaqiniso, okuyindlela la madiphozi akhethekile athuthukiswa ngayo amaklayenti ngamanye angabhalisela kusukela manje kuqhubeke.
Kumele kugcizelelwe futhi ukuthi le mikhiqizo idinga imigomo eminyene yokusimama lapho isu labo lingasungulwa ukufeza inzuzo ephezulu. Phakathi kweminyaka engama-2 nengama-4 lapho imali izobe ingenakunyakaziswa futhi ngenxa yalokho kube nezingozi ezinkulu emnothweni wasekhaya ngenxa yezindleko ezizodingeka ukubhekana nazo ezinyangeni ezizayo. Ngokunjalo, azikwazi ukuvuselelwa lapho sezikhulile, njengoba kuvame ukwenzeka ngamadiphozithi wendabuko amaningi aqaliswe yizikhungo zezikweletu. Kunoma ikuphi, kuyindlela entsha yokuthi abatshalizimali abanephrofayli yokuzivikela noma yokulondoloza bangazitholela ezinyangeni ezizayo.
Xoxisana ngayo nebhange
Kunoma ikuphi, kuhlale kukhona isisetshenziswa sokuxoxisana ngenzuzo yentela nesikhungo sezezimali uqobo. Yize leli qhinga kuphela kubekelwe amaklayenti amahle kakhulu asebhange: ngesimo esiqinile ku-akhawunti yokonga futhi ngaphandle kokugcina izikhundla zokudonswa kwemali kubudlelwano babo nebhizinisi. Ukuze ngale ndlela, bakwazi ukwenza ngcono amakhemikhali wokulamula wale mikhiqizo yezezimali ngamaphesenti ambalwa eshumi ephoyinti lephesenti. Ukufika lapho bangabhalisela khona isilinganiso sezidingo zethu futhi ngaphandle kwesidingo sokuya kunoma yiluphi uhlobo lokunikezwa kwephromoshini ngabakhiphi bale mikhiqizo ehloselwe ukonga ngakunye.
Ngaphakathi kwalesi simo jikelele, kufanele kuqashelwe ukuthi ngale ndlela yokufaka imali ebhange, inani lokubhalisile, isikhathi noma isikhathi sokubhalisile, ngisho nemibandela yenkontileka ingakhethwa. Lokho wukuthi, kuzolungiswa kakhulu kunalokho okudingwa yithina ngaso sonke isikhathi. Ngenkathi ngakolunye uhlangothi, banethuba langempela lokuthi bangavuselelwa lapho beqedile, noma ngabe kunezinye izimo ekubhaliseni okuhlukile kunalezi ezikhona manje. Njengoba ingumkhiqizo onobuntu bayo futhi ngakho-ke yehlukile kumafomethi ajwayelekile.
Ngamanani wenzalo ku-0%
Njengoba kungenzeka ubonile, unezinye izinketho ukuze ekugcineni ibhalansi ye-akhawunti yakho yokonga ikhule unyaka nonyaka ngaphandle komzamo wakho. Yize ukwazi lokho ukunqoba 3% amazinga enzuzoIsisekelo salezi zimiso sizoba ngumsebenzi onzima kakhulu wezintshisekelo zakho. Lapho ezimweni eziningi kuzoncika endleleni oyinikeza njengamanje isu lokutshala imali nangaphansi kwezimpawu ezichazwe kahle ekunikezelweni kwamanje okwenziwe izikhungo zezikweletu.
Hhayi ngokuhlukahluka okukhulu kumafomethi, kepha okungenani kwanele ukuthuthukisa amabanga amaphakathi wokufakwa kwemali ebhange lesikhathi esinqunyiwe. Futhi lokho ukuphela kosuku enye yezinjongo zakho ezisheshayo ezikhathini ezimbalwa lapho intengo yemali isesimweni esingesihle futhi incane kakhulu ekuvumeleni ukwenza lolu hlobo lwemikhiqizo yasebhange. Kulokho okungathathwa njengesinye sezenzo okufanele uzingenise kusuka kulezi zikhathi eziqondile ebudlelwaneni bakho nezwe lemali.