Kuyini amandla

sebenzisa

Igama lokuphakamisa, yigama elijwayele ukusetshenziselwa ukuchaza umqondo ophathelene nezikweletu, noma kunjalo abantu abaningi bacabanga ukuthi leli gama lisho inqubo yokweba ngokomzimba ngenxa yokungazi. Ukugwema lokho, namhlanje sizokhuluma nawe mayelana nokuthi lisho ukuthini lelo gama nokuthi lingasetshenziswa kanjani kwezomnotho, ngaphezu kokutshela ukuthi yiziphi izinzuzo nezinkinga ezithandwa kakhulu.

Lokhu noma cha emhlabeni wezezimali, yigama okufanele ulazi ngoba uzolizwa kaningi.

Kuyini amandla

Uma sikhuluma ngakho isicelo sezimaliSikhuluma ngegama elichaza inqubo yesikweletu ukukhokhela noma yiluphi olunye uhlobo lomsebenzi. Ake sikuchaze kangcono lokhu: sizokwenza nini i- ukusebenza kwezezimali kepha asifuni noma asikwazi ukusebenzisa izimali zethu ngokugcwele, lokhu kwenziwa ngezimali zethu kanye nemalimboleko.

Le nqubo inikeza izinzuzo

Este uhlobo lwezinqubo zokusebenzisa imali inika izinzuzo eziningi kumuntu noma enkampanini efuna ukukwenza; Phakathi kwazo, leyo ezokwandisa inzuzo ngoba inikeza utshalomali oluphakeme kunalolo esinalo; Kodwa-ke, kungahle futhi kungahambi kahle futhi esikhundleni sokuba ube nenzuzo elindelekile, ugcina ungenayo inzuzo kulowo msebenzi, kepha kuyingozi eqhutshwa kunoma yikuphi ukusebenza kwezezimali.

Sizonikeza isibonelo ukuze kuqondwe kahle

isicelo sezimali

Ake sicabange ngomzuzwana ukuthi sizokwenza ukuthengiselana emakethe yamasheya okuzosibiza ama-euro ayisigidi. Siyazi ukuthi ngethemba lokuthi, ngemuva konyaka, lawa masheya azobiza ama-euro ayizigidi eziyi-1 bese sinquma ukuwathengisa. Kulokhu, sesizuze u-1,5% wenzuzo ephelele.

Uma kulo msebenzi ofanayo, senza amandla ezimali. Kulokhu, ngabe sibeka izinkulungwane ezingama-200 kuphela futhi ibhange lizosishiya izinkulungwane ezingama-800 (1: 3). Siyazi nenani lenzalo eyi-10% ngonyaka.

Ngonyaka, amasheya abiza ama-euro ayizigidi eziyi-1,5 futhi unquma ukuwathengisa.

Uyazidayisa futhi kufanele ukhokhe lokho okukweletayo. Owokuqala ngaphandle kwama-euro ayi-80.000 ebhange wenzalo eyenziwe yikhredithi yakho bese ebuyisa izinkulungwane ezingama-800 lelo bhange elikuboleke lona. Masikhumbule ukuthi siwine isigidi esingu-1,5 futhi senza izibalo kulokho. Sithatha kulowo mhlomulo izinkulungwane ezingama-880 ezingena ezikweletini nezinkulungwane zethu zokuqala eziyi-100 ezingenzi nzuzo ngoba besivele sinayo. Inzuzo esele esisele nayo izinkulungwane ezingama-420.

Okwamanje ucabanga ukuthi ukutshala imali kukodwa, ubuthole izinkulungwane ezingama-500 manje usuthole kuphela izinkulungwane ezingama-420 kepha kufanele wazi ukuthi kulezo zinkulungwane ezingama-500 bekungama-200 akho okuqala ngakho inzuzo yangempela bekungama-300 kuphela hhayi ama-420. isizathu sokuthi kungani Isilinganiso sezezimali siyasebenza futhi sisebenza kahle kakhulu.

Izingozi zokusebenzisa ngokwezezimali

Manje siya engxenyeni yesibili, ngoba konke esikuchazile kukuhle futhi kunenzuzo ephezulu kakhulu, kepha akusikho okwenzeka njalo.

Siya ecaleni elifanayo kepha ngesimo esihlukile. Ake sicabange ukuthi esikhundleni se khulisa inzuzo kuya ezigidini eziyi-1,5, lehle kakhulu futhi selibekwe kuma-900. Lapha, zisuka nje, siyazi ukuthi silahlekelwe ngama-euro ayi-100.000 uma singazange sisebenzise futhi uma senze kanjalo sesivele silahlekelwe ama-euro ayi-180.000.

Nakhu kuza ingxenye embi yokusizakala, ngoba esimweni sokuqala, silahlekelwe yimali yethu kuphela futhi akwenzeki lutho; Kodwa-ke, esimweni sesibili, silahlekelwe yimali futhi futhi sikweleta imali ebhange, kufanele sibuyisele ebhange yonke imali esiyicelayo kanye nenzalo, engakwazi ukukhokha izikweletu zethu kathathu.

Kulokhu, isisekelo asenzi nzuzo kepha kuyinto engahleliwe, ngoba akunakwenzeka ukwazi ngokuqinisekile ukuthi amasheya azokhuphuka noma awe ngonyaka, noma kwezinye izimo uma ungaba nesibikezelo esithile.

Kunezimo eziningi eziyinhlekelele lapho amasheya awela khona kakhulu. Ukwenza isibonelo ku-700. Kuleli qophelo sesilahlekelwe yikho konke ebesikutshalile futhi futhi sisele nesikweletu esikhulu ebhange impela esingeke sikwazi ukusisombulula.

Ukuze ube ku indawo yokududuza Ngalolu hlobo lwenqubo, kufanele ngaso sonke isikhathi kubhekelwe ukuthi kufanele kwenziwe utshalomali lokuqala, kepha lapho sazi ukuthi imali engenayo (uma kuyinkampani) izobe iphakeme kakhulu. Le ukuphela kwendlela lapho, noma ngabe isilinganiso singahambi kahle, ungaba sendaweni ephephile, ngoba uzoqala ukuba ne-solvency njengoba inkampani izuza.

Ukushaywa kwezezimali.

amandla ezimali

Emkhakheni wezezimali, noma ngubani uchaza isilinganiso njengesilinganiso phakathi kwenhlokodolobha umuntu anayo nekhredithi anayo.

Ngabe ibhange livame ukukhipha malini ngenqubo yokusizakala

Ukukunikeza umbono omncane, nge-euro ngayinye onayo ngesikweletu sakho, ibhange lizofaka ama-euro angama-4. Mancane amathuba okuthi ibhange likunikeze okuningi, ngoba uma kwenzeka kungahambi kahle, i- ibhange lingabuyisa imali yakho, kodwa nge-% ephezulu, ukulahlekelwa komuntu kuzoba kukhulu kakhulu futhi ngenxa yalokho nebhange futhi.

Ngabe ukuqhamuka kwezezimali kuvelaphi?

Lolu hlelo lwanikezwa okokuqala ngonyaka we-2007 lapho kwenziwa ibhamuza lempahla e-United States naseSpain. Kulokhu, bekucatshangwa ukuthi amanani ezindlu azohlala enyuka njalo, kodwa ngolunye usuku aqala ukwehla futhi kwathathwa izinyathelo ezimbi kakhulu.

Ungasebenzisa nini imali

Isimo sokuphakama kwezezimali ukwenzeka ukuthi imbuyiselo kumele ihlale iphakeme kunezinga lenzalo sinikeze isikweletu.

Kungani kufanele isetshenziselwe ukusebenzisa amandla usebenzisa isikweletu noma imalimboleko

Lapho sisebenzisa le ndlela, lokhu kukhulisa imali yokugcina esizoyithola, ngoba isetshenziselwa ukunweba imisebenzi ngaphandle kokuphela kwamakhredithi.

Ubani ongasebenzisa amandla wezezimali

Yize noma yimuphi umkhakha ungasebenzisa amandla, ngumkhakha wezezimali osebenzisa le ndlela kakhulu, ngoba ngumkhakha odinga inzuzo enkulu kakhulu.

Akuzona zonke izinkampani ezinesibindi sokwenza inzuzo.

Ezingeni eziningi, kunengozi yokuthi izinto ngeke zisebenze kahle, okungadala ukuthi inkampani ingonakala. Ezimweni eziningi, inzalo esikweletini abasinikezile nekhredithi uqobo, idala ukulahleka okungeke kukwazi ukumbozwa futhi bayabona ukuthi bekungakuhle ukungasebenzisi lolu hlobo lwendlela.

Yiziphi izinkampani okufanele zazi ngaphambi kokukwenza

sebenzisa

Kunoma yikuphi uhlobo lokusizakalaIsihluthulelo ukutshala imali eningi kunaleyo okumele uyizuze ekubuyiseleni okuhle, kepha kufanele uhlale unesixazululo esengeziwe ngaphandle kwalesi silinganiso uma kwenzeka izinto zingahambi kahle. Uma sithi ukuthengiselana kubanjisiwe, empeleni sisho ukuthi ukuthengiselana kunesikweletu phakathi (isikweletu esinaso nebhange).

Lapho sisebenzisa imali enkulu esikweletini, imvamisa kufanele khokha inzalo ephezulu ngazo, ekuhambeni kwesikhathi ezingadala ukuthi sibe nezinkinga zokubuyisa imali ebhange noma singatholi imali njengoba besicabanga ekuqaleni.

Ngemuva kwalokho, kufanele futhi wazi nezinga lokuphakama abasinika lona. Isibonelo, lapho ibhange lisitshela ukuthi lizosinika isilinganiso se-1: 2, lisitshela ukuthi nge-euro ngayinye esiyifakile, bazosinika ama-euro ama-2 wesikweletu. Lapho besitshela u-1: 3, kuzoba ama-euro ama-3 avela ebhange nge-euro ngayinye esiyifakile.

Uma sikubeka ku-1: 4 ngemali enkulu kakhulu, inzalo obekufanele siyikhokhele inhlangano ingakhuphuka kakhulu.

Isilinganiso sangaphandle noma sangaphakathi

Ukhuluma nini ngefayela le- amandla angaphandleSikhuluma ngesilinganiso esinikezwa yinkampani ekhipha isikweletu futhi isuselwa emholweni ovela esikweletini, imisebenzi esevele ihlelwe phambilini ingenziwa.

Uma ukhuluma nge amandla wangaphakathiKuyatshiwo ukuthi umninimasheya wenza imalimboleko yomuntu siqu ukuze athuthukise amandla ale nkampani esetshenzisiwe futhi ngale ndlela, imali izokhokhwa kothile enkampanini hhayi kubantu besithathu abangaphandle kwayo. Kulokhu, kumnikazi wamasheya, okwenziwayo ukwaba kabusha ngokunyuka kwamabhondi amakhulu.


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

Amazwana ayi-2, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

*

*

  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.

  1.   U-Andres Cisneros kusho

    Indatshana enhle kakhulu uSusana, siyakuhalalisela

  2.   UDarlina kusho

    Ungangithumelela izibonelo zokusizakala kokungaphandle nangaphandle ngiyazidinga ukuthola incazelo ngicela, ngisize ngiyabonga