Ngabe kulula kimi ukuthi ngithole isivumelwano esiphansi emakethe yamasheya?

Omunye wemikhiqizo engaziwa kakhulu emakethe yamasheya ngabatshalizimali abancane nabaphakathi ngokungangabazeki imali ekhokhwayo yokuhweba emakethe yamasheya. Kuyinto, njengoba igama layo likhombisa, imali ehlose ukukhokha i- izindleko kuhlanganiswe nokunyakaza ezimakethe zezezimali. Okungukuthi, kusebenza ekuthengweni nasekuthengisweni kwamasheya esikhwameni. Imvamisa amabhange nezingxenyekazi zezezimali zikusebenzisa kuwe kunani olibekele konke kwalokhu kusebenza. Ngakho-ke, akufani ngaso sonke isikhathi futhi kuzofanele uyiphinde njalo uma ungena noma uphuma ezimakethe zezimali.

Njalo lapho uthenga noma uthengise iqembu lamasheya, uzobe uqinisekisile ukuthi ibhange lakho elijwayelekile lizokukhokhisa inani lokwenza lokhu kuhamba. Ngokusebenza cishe kwama-euro angama-10.000, izindleko izikhungo zezezimali ezisebenza kuwe ziphakathi kwama-euro ayishumi nanhlanu kuya kwangama-15, kuya ngokuthi ngubani owenza lo mlamli futhi ngabe wamukele noma yiluphi uhlobo lokunikezwa noma ukukhushulwa. Kuyinani kamuva kuzofanele uyikhiphe ezinzuzweni ezingaba khona lokho kuzokhiqiza ukusebenza emakethe yamasheya. Hhayi ngeze, kufanele ukubheke ukuze wazi ukuthi iyini inzuzo yokutshala kwakho imali.

Uma wenza imisebenzi embalwa kakhulu yokuthenga nokuthengisa ngonyaka, imali oyisebenzisayo izobe incane futhi ngeke ithinte ama-akhawunti akho. Kepha uma, ngakolunye uhlangothi, ungomunye wabatshalizimali ababhekana nokusebenza okuningi emakethe yamasheya njalo ngenyanga, akukho kungabaza ukuthi lezi zindleko zizoba ngumthombo wezindleko ezizokulimaza kakhulu. Kufike ezingeni lokuthinta ukusebenza kotshalomali kumasheya. Kungakhathalekile inani lakhona. Kukulesi sikhathi esinembile lapho isilinganiso esibizwa ngokuthi iflethi singakusiza futhi sifinyelele lapho uzokonga imali eningi ekusebenzeni futhi mhlawumbe kuze kube seqophelweni ongalicabangi.

Izinga eliphansi: yiziphi izinzuzo zalo?

Kulesi simo esivamile, akungabazeki ukuthi isilinganiso esiphansi emakethe yamasheya sikhona kakhulu kuyagculisa ukuvikela izintshisekelo zakho njengomtshalizimali omncane. Ikakhulu ngoba uzokwazi ukwenza imisebenzi engenamkhawulo futhi ngaphandle kwanoma yiluphi uhlobo lwemikhawulo yamazinga. Kepha futhi kuzothuthukiswa ngolunye uchungechunge lwezinzuzo okufanele uzicabangele kusukela manje kuqhubeke. Futhi okulandelayo okulandelayo:

• Inikeza nge inkululeko enkulu nokuguquguquka ukusebenza ezimakethe zamasheya futhi kungakhathalekile iphrofayili oyivezayo njengomtshalizimali omncane.
• Kusukela lapho ungena esilinganisweni esiphansi sokusebenza emakethe yamasheya, ngeke kudingeke ukhathazeke ngezindleko lokho kuzokhiqizwa ngokunyakaza kwakho ezimakethe zamasheya. Ngeke ube nenye inhloso ngaphandle kokusebenzisa kakhulu yonke imisebenzi oyenzayo ngaphansi kwaleli su lokuhweba.
• Ungakhetha isilinganiso esiphansi kuya ngezimakethe lapho ujwayele ukusetshenziselwa ukutshala imali. Lokho wukuthi, uma ulinganisela ezimakethe zikazwelonke noma uma, ngokuphambene nalokho, izintandokazi zakho zemakethe yamasheya zidlulela ngale kwemingcele yethu.
• Lezi izindleko ongazenza amortize ngemisebenzi emibili noma emithathu kuphela esikhwameni. Njengomphumela walesi simo, ukubhalisa inani eliphansi ngokuqinisekile kuzoba umsebenzi onenzuzo ekuvikeleni izintshisekelo zakho.
• Futhi akufanele ikukhuthaze ukuthi wenze imisebenzi eminingi kunesidingo. Uma kungenjalo, ngokuphambene nalokho, ukusebenzisa amathuba ebhizinisi avela ezinyangeni ezizayo. Ukwazi ngaso sonke isikhathi ukuthi izindleko zakho zokuphatha ngeke zenyuswe ngaphansi kwanoma yiziphi izimo.
• El ukulondoloza ukuthi uzoqala ukuqaphela ekupheleni konyaka kungakumangaza wena. Hhayi ngeze, uzobona ukuthi kunemali eningi ku-akhawunti yakho yokuhlola ongayabela ezinye izidingo noma ngisho nokukhokhela isifiso sakho esingajwayelekile.

Ungawutholaphi lo mkhiqizo?

Vele, ingxenye enhle yezikhungo zezezimali isivele inayo umkhiqizo walezi zici. Lapho amapulatifomu wezezimali afakwa ngokwemvelo futhi mhlawumbe nangokunikezwa okuthengisayo okunolaka okwenza unqume isinqumo sakho sokugcina. Ngakolunye uhlangothi, lolu hlobo lwamanani alungele kakhulu abatshalizimali abajwayelekile. Lokho kusho ukuthi, kubo bonke labo abenza ukuthengiselana okungaphezu kokumbili noma okuthathu emakethe yamasheya ngenyanga. Uma ngabe lokhu kuyicala lakho ngempela, ulindeni ukuze wenze le nsizakalo entsha ibe semthethweni kubatshalizimali? Awunalutho olulahlekelayo futhi yebo, kuningi ongakuzuza, njengokuqukatha izindleko kusukela ngaleso sikhathi kuqhubeke.

Ukuphela kwesidingo sokuthi uzomangalelwa ebhange lakho elijwayelekile ukuthi uyikhasimende futhi une-akhawunti yezokuphepha ongene kuyo, akukho okunye. Kusukela ngaleso sikhathi shintsha intengo yokusebenza kwakho okwenziwe ezimakethe zezimali. Kuzoba ushintsho olukhulu kepha kube ngcono kusukela kuleli zinga akubandakanyi ezinye izindleko ekuphathweni kwayo noma amakhomishini. Kuyinani elinqunyelwe okuzofanele ubhekane nalo njalo ngenyanga. Noma ngabe kuleso sikhathi awukaze wenze ukunyakaza emakethe yamasheya. Lesi yisisekelo secebo lakho futhi-ke kufanele usamukele ukuze uthuthukise inzuzo yokuhweba.

Uyasebenza ezimakethe zomhlaba jikelele?

Vele isilinganiso secebo kungagcini ezimakethe zasekhaya kuphela esikhwameni. Uma kungenjalo, ungazivulela kwezinye izindawo zomhlaba jikelele. Noma kulokhu, amanani azofunwa kakhulu, njengoba ngakolunye uhlangothi kunengqondo ukuqonda. Ngale ndlela ejwayelekile, kulula ukuthi ungakhohlwa ukuthi lezi zintengo aziguquki kusuka ekwakhiweni kwazo ngokusemthethweni. Ngeke bakwazi ukukhuphuka noma behle ngokuya ngemikhuba ethile oyivezayo njengomthengi kulesi sigaba semikhiqizo ehlose ukutshalwa kwezimali. Ngakolunye uhlangothi, ngeke zidinge ezinye izixhumanisi nebhizinisi lapho ulikhulise khona.

Esinye isici okufanele sihlaziywe yilokho okuphathelene ne- isikhathi sokuhlala. Asibhekene nezinga eliphansi lamaselula njengoba sijwayele kuze kube manje. Uma kungenjalo, kunalokho, kungukutshala imali emakethe yamasheya ngakho-ke ilawulwa ezinye izindlela ezihluke ngokuphelele. Ngoba vele, uma kunemisebenzi eminingi, kokubili ukuthenga nokuthengisa, ezimakethe zamazwe kukhona izindlela eziningi zokwenza izimali zibe nenzuzo. Noma ngabe yiliphi igama ababhekiswe kulo.

Amanani entengo yokushintshaniswa

Esinye sezici ezibaluleke kakhulu zamanani entengo emakethe yamasheya yinani lazo langempela. Ngalo mqondo, ngeke kube nokukhetha ngaphandle kokuhlukanisa ukuthi yimiphi imisebenzi kazwelonke evela kulabo abenziwa ezindaweni ezingaphandle kwemingcele yethu. Kowokuqala wabo babuswa ngamamaki wezohwebo ascillate phakathi kwama-20 nama-30 euros, kuya ngokuhlinzekwa nokukhushulwa okwenziwe izinhlangano zebhange nezinkundla zokutshala imali ezidijithali. Cishe zonke zihamba ngaphansi kwezikhathi zokuhweba ezifanayo kakhulu komunye nomunye nokuthi isinqumo somsebenzisi wemakethe yamasheya sizoxhomeka kuphi.

Ngokuphathelene nemisebenzi yamazwe omhlaba, ngokunengqondo izindleko zazo zizonke ziphakeme kakhulu. Ngezinga amazinga abo angakwazi ngalo sondela kuma-euro angama-50 no-60. Lokho kusho ukuthi, cishe kuphindwe kabili, kepha ngenzuzo engenakuphikwa yokuthi iziteshi zokutshala imali yengcebo yomuntu ziyandiswa. Kuzo zombili izimo, banezinzuzo ezifanayo nezinsizakalo ekusebenzeni kwemakethe yamasheya. Ngomehluko kuphela wokulinganiselwa kwendawo, akukho okunye. Ngalo mqondo, kuzodingeka ukuhlaziya izidingo zangempela zabatshalizimali abancane nabaphakathi ukukhetha indlela eyodwa noma enye.

Izinzuzo zezinga eliphansi

Kunoma yiziphi izimo, lezi zintengo zicabanga ukuthi uchungechunge lwezinzuzo ezifana nalezo esizidalula ngokulandelayo:

1. Bayazuza ngaphezu kwakho konke inani elikhulu lemisebenzi elenziwe, kungakhathalekile ukuthi ukuthenga noma ukuthengisa. Imayelana nokutshala imali.
2. Kunokunikezwa okuningi kwalezi zici futhi okuvumela umsebenzisi uqobo ukuthi akhethe isilinganiso esivumelana kahle kakhulu isikhunta kuphrofayela yakho njengomtshalizimali okudayisa.
3. Yizilinganiso ezithi abanaso isikhathi sokuhlala unomphela. Okusho ukuthi, ungaphuma kubo nganoma yisiphi isikhathi futhi esimweni. Ngaphandle kokujezisa leli thuba lokulahla inani eliphansi.
4. Ngenkathi kunjalo kakhulu kunenzuzo kuzintshisekelo zakho, kuzofanele uhlaziye uma ngabe usebenza ngempela ukusebenza okuningana ngenyanga. Ngoba ukube bekungenjalo bekungeke kukusize ngalutho futhi uzosebenzisa nemali eningi ngokungadingekile. Futhi-ke izinto akukhona ukuchitha imali.
5. Kuyisu elisetshenziswa ngokuqhubekayo ngabatshalizimali abanakho Okuhlangenwe nakho okukhulu ezimakethe zezimali. Akumangalisi ukuthi bayazi zonke izindleko ukuthi indlela yabo yokungena ezweni eliyinkimbinkimbi yemakethe yamasheya ifaka ini.
6. Futhi ekugcineni, awudingi ukukhetha isilinganiso sokuqala esiphansi esiza kuwe, kepha kunalokho kufanele zihlaziye ngokuningiliziwe ukubheka ukuthi yikuphi okufanele kakhulu izintshisekelo zakho.