Ukukhetha isikhwama sokutshala imali esiphumelelayo ngo-2021

Ukube eminyakeni embalwa edlule bebekutshele ukuthi isikhwama sokutshala imali siyakwazi ukukusindisa esikhathini esizayo, ubuzosibiza ngobuhlanya. Kodwa-ke, namuhla kuliqiniso ukuthi labo abakhathalelayo ukonga bazoba lula kusasa kunalabo abangenakho.

Futhi ngenxa yalesi sizathu, namhlanje sifuna ukubhekana nezici ezibalulekile njenge okuyizimali ezinhle kakhulu zokutshala imali, odinga ukukwazi ukukhetha isikhwama sokutshala imali esiphumelelayo, noma ukuthi ungaqhathanisa kanjani ukukhetha esikufanela kahle kakhulu.

Iyini isikhwama sokutshala izimali?

Iyini isikhwama sokutshala izimali?

Lapho wenza imali, ngezinga elikhulu noma elincane, uzizwa uzolile ngoba uyazi ukuthi uzoziphilisa nokuthi unokuxazulula okuthile ukuze "uphile." Inkinga ukuthi umsebenzi, njengezempilo nezinye izinto, awusuki unomphela, futhi ebusuku ungathola ukuthi awusasebenzi, noma awunayo imali yokuziphilisa. Kungakho-ke kugxilwa kakhulu ekufundeni ukonga ukuze ube nesikhala somnotho ngenkathi uphuma kulezi "zinkinga".

Ngalo mqondo, isikhwama sokutshala imali yinto efanayo. Kuyindlela ye- indlela yokonga lapho iqembu labantu linikela khona ngenhloso yokuthola okuthile. Ngamanye amagama, ukuthi imali abanayo ibanikeza imbuyiselo ngokuzayo evumela ukuthi bayitshale leyo mali esitokisini, izibambiso zemali engenayo engaguquki, okuphuma kokunye, njll.

I-Los izimali zokutshala izimali kunjalo iphethwe ngabaphathi noma izinhlangano ezigcina imali, futhi abanesibopho sokuphatha kuphela utshalomali olwenziwe yilabo bantu noma izinkampani, kodwa futhi nokubheka imikhiqizo yezezimali efanelekile ukutshala kuyo, njengezitoko, ukuphepha, izimali, isikweletu somphakathi noma senkampani noma ezinye izimali zokutshala imali.

Amathiphu wokukhetha ngempumelelo isikhwama sokutshala imali

Amathiphu wokukhetha ngempumelelo isikhwama sokutshala imali

Yize isikhwama sokutshala imali singaba ithuluzi elikhangayo ukufeza imbuyiselo ngaleyo mali oyigcinele "ngalokho okungenzeka", ukukhetha leyo ekufanele impela akulula njengoba kubonakala. Futhi inkinga ukuthi ukukhetha okungalungile kungagcina kube nomphumela omubi kakhulu kuwe.

Kepha zikhona ezinye izihluthulelo zokukhetha isikhwama sokutshala imali esiphumelelayo? Vele, bese sikhuluma ngabo.

Funda izimo zokutshalwa kwezimali

Isikhwama sokutshala imali seminyaka engama-20 asifani nesikhwama sokutshala imali seminyaka emihlanu. Lapho utshala imali esikhathini eside, kuba lula ukuzibeka engcupheni, ngoba sikhuluma ngemali esaziyo ukuthi sinayo, ukuthi iyahamba, kodwa lokho asikwazi ukuyithinta (yize lokho kuya ngokuthi). Ngakolunye uhlangothi, uma kusesikhathini esifushane, izinto zingashintsha, ikakhulukazi njengoba inzuzo izoba phansi futhi umphumela ungahle ungabi yilokho okulindele.

Ngakho-ke, kubalulekile ukuthi, ngaphambi kokuthatha isinqumo, bheka inqubomgomo yokutshala imali yesikhwama, ukwazi ukuthi uzilungiselela ini, uzoba nesikhathi esingakanani le mali oyigcinile "izibophezele", kanye nenzuzo oyothola njengembuyiselo.

Vele, uma kukhona imiqondo ongayiqondi, kufanele ukhulume nesazi esingakuchazela yonke into, ngoba ukugxambukela ungazi kungaholela ekungaqondani noma ezinkingeni ezizayo.

Hlola umlando wesikhwama sokubambisana

Ungaba nezinhlobo eziningi zezimali ezihlanganyelanayo ongatshala kuzo imali oyilondolozile, kepha ingabe konke kuhle? Yilapho kufanele ufunde ngokucophelela umlando wesikhwama sokubambisana.

Eqinisweni, Ochwepheshe batusa ukuqoqwa kwedatha eminyakeni emihlanu edlule ukubona ukuthi ukuziphendukela kwemvelo bekukuqhathanisa kanjani nemakethe. Ngakho-ke, ungabona ukuthi kunenzuzo kanjani lokhu futhi uma kufanele ngempela.

Ubani ozoba umphathi wesikhwama

Kubalulekile futhi ukwazi ukuthi yisiphi isikhwama sokutshala imali ozobeka kuso imali yakho nokuthi yimuphi umuntu noma inkampani ozoyivumela iphathe lokho kubamba iqhaza onakho. Eqinisweni, kufanele uphenye ngalowo muntu noma lelo thimba ukuze wazi ukuthi ngabe bangongoti ngempela nokuthi basebenza kanjani ngoba kungenzeka ukuthi ukhethe ochwepheshe abakunikeza inzuzo ephezulu nabanye abangayifinyeleli imiphumela elindelekile.

Kuhle futhi gcina ubudlelwane obusebenzayo nomphathi, okungukuthi, ukwazi okwengeziwe ngaye, ukwaziswa ngalokho akwenzayo, ngentuthuko ayenzayo, ngendlela yakhe yokwenza ... Konke lokhu kuzokunika ukuthula kwengqondo nokuzethemba, ngoba unomuntu ikwazisa ngokunyakaza nemiphumela oyitholayo. Okuphambene nalokho, okungukuthi, ukunikela ngemali yakho futhi ungazi futhi isikhathi eside, kungadala ukungavikeleki nokwesaba ngesinqumo osenzile.

Ngaphakathi kwezimali zokutshala imali, kunezinye ezifaneleke ngokwengeziwe kunezinye. Konke kuzoya ngenani lokonga ofuna ukulitshala, kuphi futhi ngamuphi umphathi. Ngokusobala, uma labo bachwepheshe beyiqonda kahle imakethe, bazokwazi ukuthi batshale kuphi ukuze bathole inzuzo ephezulu, kepha uma ungenayo imali enhle, kungcono ukuyidlala "iphephile", ikakhulukazi ekuqaleni.

Qaphela amakhomishini

Lapho utshala imali esikhwameni, kufanele wazi ukuthi kuzobandakanya ukukhokha amakhomishini athile. Lokhu kuzoncika ebhizinisini noma esikhwameni ngasinye, kepha imvamisa uzothola okulandelayo:

  • Imali yokuphatha nokufaka imali. Amakhomishini asetshenziswa yimenenja uqobo. Lokhu kwehliswa kusukela kunani lesikhwama.
  • Ikhomishini yokubhaliselwa nokuhlengwa. Amakhomishini akhokhiswa ngqo kuwe lapho ubhalisa noma amasheya abuyiselwa.

Ngamafuphi, imihlahlandlela okufanele uyicabangele yile:

  • Ukukhetha isikhwama sokutshala imali lokho kuvumelana nephrofayili yakho, kuhlala nomphathi ochwepheshe futhi unolwazi lwendaba ethile.
  • Yiba nenzuzo yesikhathi eside, Uma nje uthatha izinga lobungozi ongabuthwala (akukhuthazwa ukuthi utshale imali engaphezu kweyodwa ongayithwala).
  • Sungula izimo ezanele zesikhwama sokutshala imali ngephrofayili yakho.

Izimali ezinhle kakhulu zokutshala imali eSpain

Izimali ezinhle kakhulu zokutshala imali eSpain

Uma ngemuva kwalokhu okubonile ucabanga ukukhetha ukutshala imali ingxenye (noma konke) kwemali oyongile, isinqumo okufanele usithathe siyingxenye yokunquma ukuthi iyiphi umphathi wesikhwama sokutshala imali ozomethemba. ESpain kunezinhlobonhlobo ezinkulu zezinkampani nezinhlangano ezinikezelwe kulokhu, ngakho-ke unezinketho ongakhetha kuzo.

Kodwa-ke, ezinye zingavelela ngaphezu kwakho konke, ikakhulukazi ngokuya ngesigaba sesikhwama, kungaba ubuchwepheshe, amandla, umhlaba wonke, okuxubile, okuqinisekisiwe, okulinganiselwe noma okuguquguqukayo kwemali engenayo ...

Amagama afana Abanca, Bankinter, Bankia, Sabadell ... Zizwakala zikujwayele ngoba zihlobene namabhange, kepha phakathi kwemisebenzi yazo zingakunikeza ukuthi ube ngabaphathi besikhwama sokutshala imali. Eqinisweni, bayizinketho zokuqala zabaqalayo abaningi ngoba kuyindlela yokutshala imali ngenhlangano oyethembayo (kahle ngenxa yedumela lakho, ngoba uyiklayenti ...).


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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.