Sonke sizwile ngesikhathi esithile mayelana izimali, kepha kungenzeka ukuthi akusicaceli kahle ukuthi kubhekiswa kuphi nokuthi kusebenza kanjani. Kubukeka sengathi izimali zigcinelwe ochwepheshe bezezimali noma ezomnotho, kushiya abantu abanolwazi oluyisisekelo kulokhu noma labo abaqala ukufunda ukukhohlwa.
Iqiniso ukuthi namuhla noma ngubani angaba yingxenye yalo imakethe yokutshalwa kwezimali, ukuthola izinzuzo zezomnotho abebekulindele njalo. Ngezansi sizochaza konke okuphathelene nokutshalwa kwezimali igxathu negxathu, ukuze ube nokutholakale ezandleni zakho lokho okudingayo ukuze wenze izinqumo ezifanele kulo mkhakha.
Kusho ukuthini ukutshala imali?
Ngokwesimo sezezimali, singakuqonda njengokutshalwa kwezimali lokho ukulingana esikunikeza umuntu wesithathu ngokushintshisana ngempahla ngenhloso yokuthi inani lalokhu likhuphuke ngokuzayo, noma ngabe kuvunyelwana ngethemu noma cha. Ngokuvamile, imali esiyikhiphayo iyimali, futhi impahla ngokuvamile iyinhlangano umkhiqizo wezezimali. Ngamanye amagama, singachaza ukutshalwa kwezimali njengesenzo sokuthola i- umkhiqizo wezezimali ukuze uthole inzuzo ngakho ngokuzayo.
Masithathe isibonelo sokutshala imali: Umngani wakho ukucela imali mboleko engama-1000 Euro ukuze avule inkampani yakhe, futhi uthembisa ukuthi ngemuva konyaka owodwa ususakazwa, uzobuyisa ama-1000 Euro owamboleka wona kanye nomunye umkhiqizo ongu-500 wenzuzo. Lesi yisibonelo sokutshalwa kwemali, futhi kufana ncamashi nalapho utshala imali kumikhiqizo yezezimali, ngomehluko wokuthi kungenziwa ngezinga elikhudlwana noma elincane. Izinkampani zifuna abatshalizimali ukukhokhela izinqolobane zabo, amathuluzi, ingcebo noma enye into ewusizo lokuthi bakhule.
Kepha ukuze siqonde kahle ukuthi izimali zisebenza kanjani, kuyadingeka ukuthi siqonde imiqondo elandelayo:
Imiqondo eyisisekelo esetshenziselwa ukutshala imali:
Kungabukeka kudideka ekuqaleni, kepha uzobona ukuthi uma uyiqonda le migomo elandelayo uzokwazi ukutshala imali ngaphandle kwenkinga:
Capital
Inani lemali (noma ukulingana) onalo ukuze ulisebenzise emakethe ulinde ukwenza inzuzo. Uma sibuyela esibonelweni esedlule, siyabona ukuthi imali eyitshaliwe bekuyi-1000 Euro esiyiboleke kumngane wethu ukuqala ibhizinisi lakhe.
Rendimiento:
Isivuno inzuzo noma inzuzo esizoyithola kumayunithi emali nangamaqiniso aphelele enhlokodolobha esiyitshalile uma isikhathi esimisiwe sesiphelile. Esibonelweni esedlule, ama-Euro angama-500 angeziwe azobonisa imbuyiselo etholwe yinhloko-dolobha yethu etshaliwe.
Ukuzuza
Ukwenza inzuzo ubuhlobo obuphakathi kokusebenza kanye nemali etshaliwe esetshenziselwa ukukala izinzuzo okufanele sizithole esikhathini esithile njengomkhiqizo wenhlokodolobha etshaliwe. Okusho ukuthi, iphesenti lenzuzo esiyitholayo ngemuva kwesikhathi esidlulile. Esibonelweni esandulele, ama-500 Euro amele ama-50% wama-1000 Euro atshaliwe, ngakho-ke inzuzo yokusebenza kwethu yayingu-50%
Ubungozi
Ubungozi bokutshalwa kwemali kungamathuba abaliwe ukuthi imbuyiselo esiyitholayo izoba ngaphansi kunokulindelekile. Iqiniso ukuthi lonke utshalomali lunezinga elithile lobungozi, ngisho nalokho okuzinzile impela kunephesenti, noma ngabe lincane, ukuthi liyahluleka futhi abatshalizimali balahlekelwa yingxenye noma yonke imali yabo. Le ngozi ithathwa ngesikhathi sokutshala imali, futhi kubalulekile ukwazi zonke izici eziza nokutshalwa kwezimali ukuze uthathe isinqumo ngomkhiqizo wezezimali osinikeza inzuzo enhle ngaphandle kokuthatha izingozi eziningi.
Ithemu
Leli gama yisikhathi okuvunyelwene ngalo lapho kulindeleke ukuthi kutholakale imbuyiselo efiselekayo ngokususelwa enhlokodolobha etshaliwe. Esibonelweni sethu esingenhla, isikhathi sokubuyiswa sasingunyaka owodwa. Kamuva sizokhuluma ngokuningiliziwe ngokubaluleka kwemigomo yokutshalwa kwezimali.
Ubungozi
Uma sikhuluma ngokutshalwa kwemali, ukwenziwa kwemali kulula ukuthi umkhiqizo wethu uphenduke inzuzo ngokushesha. Lokho wukuthi, kulula ukuguqula utshalomali lwethu lube yimali, lokhu kutshalwa kwemali kuba uketshezi oluningi.
Izinhlobo Zokutshalwa Kwezimali
Kunezindlela eziningi zokuhlukanisa izinhlobo zotshalo-mali, kepha ngokuvamile zihlukaniswe ngokwendlela ezinenzuzo ngayo. Ngezansi sichaza ngayinye yazo:
Ukuqashwa okungaguquki
Imali engenayo engaguquki isho lezo zimali ezitshaliwe lapho kwaziwa khona izinga lokubikezela kusengaphambili, imbuyiselo ezotholakala uma isikhathi esimisiwe sesidlulile. Ngokuvamile, lokhu kutshalwa kwemali kuveza imbuyiselo ephansi kunezibalo, ngoba ingozi incane futhi isikhathi eside. Okuhle ukuthi kuqinisekile ukuthi sizothola inzuzo kulokhu, noma ngabe incane kunalokho ebesingakuthola ngamasheya.
Imali engenayo eguquguqukayo
Imali engenayo eguqukayo ivela lapho sitshala imali esimweni lapho singazi khona ukulinganiselwa kwenzuzo ezokwenziwa, futhi kungahle kube nomphumela omubi, ongadala ukulahleka. Konke lokhu kuncike ezintweni esingakwazi ukuzilawula, njengokusebenza kwenkampani, indlela yokuziphatha emakethe noma ngisho nezici ze-macroeconomic. Ukutshalwa kwemali okuguqukayo okuguqukayo nakho kunesici sokuthi uma kukuhle kukhiqiza imali engenayo ephezulu kakhulu, ngakho-ke kwenziwa esikhathini esifushane noma esimaphakathi.
Izici okufanele uzicabangele lapho wenza utshalomali:
Manje njengoba usuyazi ukuthi ngalinye lamagama asetshenzisiwe kutshalo-mali lisho ukuthini, uzobona ukuthi kunezindlela eziningi ongakhetha kuzo ukuthola leyo esinikeza inzuzo enkulu kakhulu maqondana nenhlokodolobha esifuna ukuyitshala. Izici ezilandelayo zingafingqa kahle lokho okufanele ukubheke lapho uthatha isinqumo sokuthi utshale imali noma cha kumkhiqizo wezezimali.
Umhlomulo Okulindelekile
Isici sokuqala okufanele sicatshangelwe yimbuyiselo elindelekile ekutshalweni kwemali. Lokhu singakuchaza kuqala ngokwazi ukuthi utshalomali imali engenayo engaguquki noma imali engenayo eguquguqukayo. Ngale datha sizokwazi ukuthola umbono osondele kakhulu wokusebenza nenzuzo elindelekile, kanye nokuthengiswa kwemali. Kufanele ucabangele ubungozi obukhona ohlotsheni ngalunye lotshalo-mali, futhi njengoba usuvele wazi, lokhu kuncike kakhulu eqinisweni lokuthi yimali engenayo engaguquki noma imali engenayo eguquguqukayo.
Ingozi eyamukelwe
Zibuze ukuthi ngabe ukutshalwa kwemali kufanele ukwenze ngokuya ngenzuzo elindelekile kanye nobungozi bayo. Kungenzeka ukuthi uthola ithuluzi lezimali elikunikeza imbuyiselo ka-2000%, kepha linengozi engama-85%. Ngabe ucabanga ukuthi kulula ukutshala imali kulolu hlobo lomkhiqizo? Mhlawumbe uma imali oyifakile engozini ingabalulekile emnothweni wakho, ungayamukela leyo ngozi. Kepha uma kungokonga kwakho noma inani ongeke wakwazi ukulahlekelwa yilo, kungcono ukwamukela ubungozi bomkhiqizo wesikhathi eside obuyisa imbuyiselo ephansi kepha uqinisekise ukuthi ngeke ulahlekelwe yisitshalo sakho.
Isikhathi Sotshalomali
Isikhathi sokutshalwa kwemali sibalulekile lapho uthatha isinqumo, ngoba imbuyiselo yotshalomali ilawulwa umthetho olula kakhulu: Ukutshalwa kwemali okunobungozi obuncane kuvame ukuba yisikhathi eside, futhi labo abanesikhathi esifushane sokubuyisa imali yakho bamele okungaphezulu ingozi. Kubalulekile ukuthi ubheke isikhathi osilindele sokubuyisa imali yakho ukuze uthole umkhiqizo wokutshala ongena kahle kulokho okulindele ukukuthola njengomtshalizimali.
Ngingaqala kanjani ukutshala imali?
Uma okudingayo kungukutshala imali esikhathini esizayo nangendlela ongavikela ngayo imali oyongile bese uyayandisa, ungaya ebhange olithandayo bese ucela imininingwane ngama-akhawunti akhona ongatshala imali kuwo. Ukusebenza kwalokhu kuzoba okwesikhathi eside futhi cishe bazokucela ubuncane ukuze uqale ukukhiqiza imbuyiselo. Okunye ongakwenza ukusesha izimakethe zamasheya ezitholakala ku-inthanethi, lapho ungathola khona izinto zesikhashana esifana nezitoko, amabhondi, ukuqhubekela phambili nezinye izinsimbi eziningi. Lokhu ngokuvamile kuba nengozi enkulu, kepha uma uphumelela inzuzo izokuba nkulu futhi esikhathini esifushane.
Into enconywe kakhulu ukuthi ufune ukuqondiswa uchwepheshe ngale ndaba, ongakuqondisa ezintweni ezithile zemakethe yamanje, ukuze ngokubambisana nenze izinqumo ezinhle kakhulu lapho nitshala imali yenu, futhi ngaleyo ndlela nithole indlela ephumelelayo yokuthola izinzuzo kulokhu. Qaphela njalo, ngoba kunamawebhusayithi enkohliso athembisa ukubuyisa okuphezulu ngokweqile ngokusobala ngaphandle kwengozi. Hlala kude nalokhu njengoba kungathembeki futhi ungazibeka engcupheni yokulahlekelwa yimali yakho, zizohlala zikhona izindlela eziphumelelayo zokutshala imali, kepha kuzodingeka uqaphele kakhulu futhi uqaphele ubungozi obukhona.