Inzuzo ezimakethe zezimali kulo nyaka, futhi kuze kube yingozi, iphawulwe ngamamaki abuthaka kakhulu angadluli amazinga we-3%. Yize into ebi kakhulu ukuthi amathemba emakethe yamasheya ngonyaka ozayo angabi ngcono. Ukulahlekelwa kungenzeka ngisho nalapho inzalo inyuka ngentengo yemali. Kusuka ku-0% yamanje etholakala kuyo njengamanje futhi lokhu kuyiqiniso elithanda okulindelwe ngabatshalizimali emakethe yamasheya. Kepha kunoma yikuphi, kuzoba yisimo esingahlali isikhathi eside.
Sekuyisikhathi sokucabanga ukuthi izimakethe ze-equity ngeke zisaba nenzuzo njengakwiminyaka yamuva futhi kuzodingeka ukuthi ucabange ukuthi yimiphi imikhiqizo yezezimali okufanele ibhekiswe kusuka manje. Lapho banikela ngenzalo enhle futhi uma ingadlula leyo yezimakethe zezimali, khona-ke kungcono kunokungcono. Kulesi simo, omunye wabahlomuli abakhulu ngokwenyuka kwamazinga wenzalo yimikhiqizo yokulondolozwa. Imikhawulo yakho yokulamula ngokungangabazeki izothuthuka futhi ingahle ifinyelele emazingeni ama-3%.
Kuzoba yisikhathi sokuhlaziya ukuthi yimiphi le mikhiqizo engenza ukuthi sizuze imali ethe xaxa ngemikhiqizo yethu. Ngoba kungenakukhohlakala ukuthi kukhona impilo engaphezu kwamanani futhi ngalo mqondo singafinyelela izinhloso ezibekwe kunoma yiliphi isu lokuzivikela. Lapho ukuphepha kuzobusa khona kunokunye ukucatshangelwa okunolaka. Ngenhloso eyodwa futhi lokho akekho omunye ngaphandle kokuphela konyaka ngamunye ibhalansi ye-akhawunti yethu yokonga iyakhula. Okusho ukuthi, ngemuva kwakho konke, okubandakanyekile kunoma yiluphi uhlelo lokuphathwa kwemali. Ngokusebenzisa uchungechunge lwemikhiqizo esiya kuyo ngemininingwane.
Ama-akhawunti akhokha kakhulu
Lesi sigaba sama-akhawunti singenye yezindlela ezizuzisa kakhulu ukufeza imbuyiselo eyanelisa kahle izintshisekelo zabatshalizimali abancane nabaphakathi. Singathola inzalo efinyelela ku-3% esimweni esihle kakhulu. Ngoba empeleni, ngomunye wemikhiqizo embalwa yasebhange eshaya amanani entengo eSpain futhi icishe ibe ngu-2%. Yize ngokunikezwa okuncane kakhulu ngamabhange okungaboni kunenzuzo ukuthengiswa kwale modeli yokuphathwa kwemali. Ngezidingo ezithile kwesinye isikhathi eziba nzima kakhulu futhi zifune kubanikazi be-akhawunti ngokwabo.
Ukuze ube ne-akhawunti ekhokha kakhulu, kuvame kakhulu ukuthi ezimweni eziningi kufanele ugcine ibhalansi ephezulu kakhulu yenyanga. Kanye nokuxhumana okukhulu nebhange ngokusebenzisa izinkontileka zezinhlelo ezintsha zokonga, izimali zokutshala imali, umshwalense noma izinhlelo zempesheni. Kuze kube seqophelweni lokuthi akuwona wonke amakhasimende azokwazi ukufinyelela kumkhiqizo onalezi zici. Kulungisiwe, ngakolunye uhlangothi, kukhululwa kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcinweni kwayo, njengenye inani elengeziwe elizobhaliswa ukwenza ngcono inzuzo yemali.
Ukwakhiwa kwamakhasimende amasha
Elinye isu lokwenza ngcono umkhawulo wenzalo enikezwa ngamabhange yenziwe ngalo mkhiqizo ukulondolozwa. Kulula kakhulu ukwenza isivumelwano, ngisho naku-inthanethi, futhi kukuvumela ukuthi uthole izintshisekelo eziphakathi cishe kuka-1,50% no-3%. Yize iphuzu labo elibuthakathaka ukuthi badinga isikhathi esifushane saphakade kunamanye amamodeli wediphozi. Futhi inqobo nje uma abaphathi babo bengamakhasimende amasha ebhizinisi ngoba bengasebenzi kulabo asebevele besunguliwe, isikhathi esifushane kakhulu abebesebhange. Ukuba ngesinye sezimpawu eziyinhloko zobunikazi bale mikhiqizo okuhloswe ngaso ukusindisa abantu.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi lezi zimiso azitholakali ngaso sonke isikhathi. Uma kungenjalo, kunalokho, zinikezwa ngaphansi kokunikezwa okucacisiwe noma ukukhushulwa okungabhaliswa njalo. Esinye isici okufanele sihlolwe lapho sisebenza ngokusemthethweni iqiniso elixhumene nokuvuselelwa kwalo okuzenzakalelayo ngoba nje kungenakusetshenziswa kunoma yiliphi icala. Njengomphumela walesi senzo, inzuzo izothatha isikhala esincane kakhulu sesikhathi, njengoba ungaqonda ngakolunye uhlangothi. Mhlawumbe, futhi kungenzeka, kanye kuphela, ngaphandle kokuthi ushintshe isikhungo sakho sezezimali njalo.
Xoxa ngenzuzo nebhange
Enye indlela onayo ngalesi sikhathi ukuthi ungaxoxisana ngenani lenzalo nebhange lakho elijwayelekile. Noma ngabe lesi sinqumo sizogcwaliseka, ngeke uze ukhethe ngaphandle kokunikeza uchungechunge lwezici njengeklayenti noma umsebenzisi. Enye yazo ukuthi ibe iklayenti olithandayo, noma okufanayo, iklayenti elihle: ngaphandle kwezikweletu nokuthi unikela ngemali ebaluleke kakhulu ebhizinisini. Ngezinga eliphakeme kakhulu lokuxhuma elihumusha ekunikezelweni kwemikhiqizo eminingana yasebhange noma yezezimali. Lezi yizimo okungewona wonke amaphrofayili anganikeza, njengoba ungaqonda ngomqondo othile.
Ngenkathi ngakolunye uhlangothi, kungabikho ukungabi bodwa nezikhungo zezikweletu futhi ngaphandle kwakho ungeke uthathwe njengeklayenti olithandayo. Kanye nokuthatha isikhathi eside ebudlelwaneni bakho bebhizinisi nesikhungo sezezimali, lokho okwakuthiwa ngamaklayenti okuphila konke futhi ngokungangabazeki kukuholela ekwenzeni lo msebenzi uthuthukise inzuzo yama-akhawunti akho kusuka kulezi zikhathi eziqondile. Ngakolunye uhlangothi, kuyasiza neqiniso lokuthi usesimeni sokufaka eminye yemigqa eyinhloko yesikweletu emakethwa ngamabhange futhi okuwumthombo wabo oyinhloko wokuthola imali.
Kusetshenziswa iziteshi zobuchwepheshe
Okokugcina, lo mthombo uhlala utholakala ukuthi izindlela ezintsha zobuchwepheshe zikunikeza zona futhi ezibandakanya ukwenziwa ngcono okukhulu kwenzalo eyenziwe yimikhiqizo ehlukahlukene yasebhange. Ngalo mqondo, izinga lemali engenayo lingathuthukiswa ngamaphesenti ayishumi wephoyinti, kepha noma kunjalo umehluko ngeke ucace njengakwezinye izinhlobo ezikhulunywe ngazo kule ndatshana. Kunoma ikuphi, kuyisu elilula kakhulu ukusisebenzisa nokuthi sizohlala sinaso ukwenza ngcono amaholo. Ngaphezu kwalokho, uhlelo oluhle kakhulu ngoba singakwazi ukwenza imikhiqizo ibe semthethweni nganoma yisiphi isikhathi, ngisho nasebusuku noma ngezimpelasonto. Ngaphandle kwanoma yiluphi uhlobo lwemikhawulo noma imikhawulo maqondana namafomethi wendabuko.
Ngakolunye uhlangothi, leli qhinga likulungele kakhulu ukulenza libe semthethweni emabhange asesikhathini esinqunyiwe. Ngokunikezwa okubanzi lapho singakhetha khona noma yiluphi uhlobo lwesikhathi sokuhlala. Kusuka kokuncane kakhulu kuye kokudala kakhulu, kanti ngakolunye uhlangothi, akuthinti amamodeli wokuphromotha adinga ukuba khona kwabanikazi bawo. Lesi ngesinye sezici okumele sizilawule ukuze silawule kahle kakhulu lesi sigaba semikhiqizo okuhloswe ngaso ukonga nokutshala imali futhi esilungisa kuwo wonke amaphrofayili ethulwa ngabasindisi abancane nabaphakathi. Ukuba ngesinye sezimpawu eziyinhloko zobunikazi bale mikhiqizo okuhloswe ngaso ukusindisa abantu.
Esinye isici okuzofanele sisibheke kusuka manje ukuthi enye yezinto ezimangazayo ezinhle kulo nyaka maqondana nokufakwa kwalezi zici ukuthi bazokwazi ukwenza ngcono inzuzo yabo ngesikhathi esifanele lapho amanani enzalo enyuka engxenyeni ethile abaphathi bezezimali. Kusuka ku-0% abakuyo njengamanje.
Olunye uhlobo lwama-akhawunti
La okubhaliselwe kwe-inthanethi Kuyasebenza nakwezinye izinhlobo zama-akhawunti acacisiwe afana nalawo ezingane noma abantu abasha futhi, nakweminye imikhiqizo ehlukaniswe kakhulu enjenge-akhawunti yezindlu, yabasebenzisi abazoqasha ikhaya kungekudala. Kuzona zozimbili lezi zimo futhi, ngenkathi kugcinwa izikhathi ezifanayo zokubhalisile, ama-akhawunti ahlukene alungiselelwe on line ezingabhaliswa ngazo zombili izindlela ngabasebenzisi, inqobo nje uma izidingo ezibekiwe zebhizinisi ngalinye ziyahlangabezana.
Noma bengathuthukiswanga njengama-akhawunti we-Intanethi ngomqondo wakudala wegama, bangahlangabezana nobunzima obuthile kumbhange wamanje, lapho imikhiqizo lezi zimpawu zokuzazisa ngenhloso yamabhange kanye namabhange okonga ukumboza "ama-niches" amaningi ebhizinisi emakethe, ekugcineni aheha amakhasimende amaningi.
Futhi kulezi zimo, ama-akhawunti abhekisiwe awawamukeli amakhredithi aqondile amarisidi, noma iholo noma impesheni futhi Azinawo amakhadi ahambisanayo noma izincwadi zokuhlola. Inzuzo yokusebenzisa kwabo iphinda itholakale kalula ekubhaliseni nasekuphatheni ngomuzi wabo, ngisho nasenyuvesi, okwenza ukuthi batholakale kalula ezingxenyeni zenhlalo ababhekiswe kuzo.