Ngaphandle kokungabaza, enye yezinkinga eziyinkimbinkimbi kakhulu esingabhekana nazo ezezimali, futhi yilapho sifika khona khuluma ngamanani wenzalo, imigomo yokukhokha, inhloko, inzalo, inhlanganisela noma inzalo elula, isikhathi sosonhlamvukazi, namanye amagama; Akumangazi ukuthi kunzima kakhulu kithi ukuqonda ukuthi imali iziphatha kanjani ngesikhathi se- isikhathi semalimboleko, kanye namanani esizowakhokha njengoba ngalinye lawo lihambelana.
Ukwenza le nqubo ibe lula kakhulu Ibhange laseSpain isungule i-simulator esingazinika ngayo umbono ocacile wokuthi inqubo ethile iziphatha kanjani, kungaba yimali mboleko, isimodeli seBhange laseSpain, isibambiso, phakathi kwezinye izinqubo ezitholakalayo. Kepha kuyiqiniso ukuthi njenge-simulator kungenzeka kungathembeki ngokuphelele, kepha uma kusinikeza umbono ongcono ngokuziphatha imali ezoba nakho, ake sibone ukuthi singakusebenzisa kanjani kahle le simulator.
Into yokuqala okufanele siyicacise ukuthi kunjalo umshini wokulingisa; ngencazelo i-simulator wuhlelo inhloso yalo ukuzama ukukhiqiza kabusha uhlelo, ukwazi ukuzala imicimbi engenzeka empilweni yangempela. Kuhlelo icala lebhange laseSpain simulator, yakhelwe ukusivumela ukuthi sibone ukuthi amanani enzalo azoziphatha kanjani, futhi okubaluleke kakhulu, okuwukubona ukuthi lokhu kuzothinta kanjani iphakethe lethu ngokuthinta ingqikithi okumele ikhokhwe nezinkokhelo zesikhathi ngasinye.
Kulokhu, simulator yaseSpain Kusisebenzela ikakhulukazi izingqinamba ezimbili, eyokuqala i-simulator yediphozi yasebhange; i-simulator yesibili eyezimalimboleko. Zombili zenzelwe ukuthi njengabasebenzisi sikwazi ukuthatha isinqumo esihle kakhulu mayelana nokunyakaza esikwenzayo. Kepha ake sibhekisise ngakunye kwalaba abalingisi ababili nokuthi yiziphi izinqumo abangasisiza ukuthi sizenze.
Ibhange lifaka imali
Ngokuqondene ne simulator yokuqala, okungukuthi okufakwa emabhange; yi-simulator esisiza ukuba sihlaziye indlela yokuziphatha kwenhlokodolobha yethu; okusho ukuthi, kusivumela ukubala inani inzalo yasebhange elizolingana nalo, kubhekiswe ku- inzalo enkulu. Lokhu kuzosivumela ukuthi sithathe isinqumo sokuthi ngabe sinjalo yini kuwumqondo omuhle ukugcina imali yethu "itshaliwe" kwi-akhawunti yethu yasebhangeUma kwenzeka ukuthi inani lenzalo ebaluleke kakhulu lingasikholisi, singenza ukucabanga mayelana nokuthi kungenzeka yini ukuthi sibe nohlelo lokutshala imali lapho singathola khona inzuzo eningi yemali yethu.
Ukucacisa iphuzu, kubalulekile ukuthi ucabangele ukuthi ibhange elifanayo lingasinika elinye ongakhetha ukutshala imali. Ukugcina imali yethu ebhange, nokuthola inzalo enkulu kuwukutshala imali okuphephile, okusho ukuthi, ngeke kube nethuba lokulahlekelwa yimali yethu, kepha izinzuzo zizohlala zikhona. Ngakolunye uhlangothi, okuhlukile izinhlobo zezitshalomali amabhange angasinika wona anamaphuzu amabili okufanele siwacacise, ubungozi kanye nezinga lenzuzo. Zombili lezi zinombolo zizosivumela ukuthi senze isinqumo esingcono ngokuya ngezidingo zethu nezinto esizithandayo.
I-Tae
Enye yemininingwane le simulator ezosivumela ukuthi siyihlaziye yi- I-APR, noma isilinganiso esilinganayo sonyaka. Leli zinga lisebenza njengesethenjwa sokukhomba ukusebenza konyaka noma izindleko zomkhiqizo wezezimali, kulokhu i-akhawunti yethu yasebhange. Okuthakazelisa kakhulu ngaleli zinga ukuthi alicabangi isikhathi esiphelele lapho imali yethu izotshalwa ku-akhawunti eshiwoyo. Ngenxa yalokhu kungenzeka ukuthi sizobona imiphumela yezimali ekupheleni konyaka.
Ukusinikeza umbono ongcono wokuthi kuhlanganisani i-APRKumele kucaciswe ukuthi i-simulator isuselwe enanini elilinganiselwe lenzalo, futhi isebenzisa izindleko noma izindleko i-akhawunti ejwayelekile ebheka namakhomishini okumele akhokhelwe; olunye ulwazi olusebenzisayo yizinkokhelo nemali engenayo eyenziwe kuthuluzi. Ngokunikwa lonke lolu lwazi singaphetha ngalokho i-APR Izosinika umbono wenani lemali esizolithola ebhange ngemali yethu ngokuphelele, ngoba kokubili imali engenayo kanye nokuphuma kwemali kubhekiwe. Ngakho-ke singathola umbono wenani lemali elizophathwa kwi-akhawunti yethu phakathi nonyaka.
Enye ye izinzuzo ze-APR, ngukuthi iqhathanisa wonke amanani wenzalo yemisebenzi eminingi engaba nezikhathi ezihluke ngokuphelele. Ngakho-ke, uma i-akhawunti yethu yasebhange ihlanganiswa nezinye izinsiza zokutshala imali, sizokwazi ukuthola umbono wokuziphatha kwe-akhawunti yethu ngendlela ejwayelekile, ngaphandle kwesidingo sokuhlaziya ukubalwa komsebenzi ngamunye wezezimali.
Imininingwane eyondla isimulator
Njengoba sesivele sayihlaziya le simulator, iyasebenza impela futhi inezinzuzo eziningi ekuhlaziyweni kokuziphatha kwe-akhawunti yethu yasebhange, kepha manje sizohlaziya ukuthi yiluphi ulwazi okufanele silufake ukuze sikwazi ukuthola imiphumela eqondile kusuka simulator.
Into yokuqala okufanele siyenze yi- inani lenzalo ukuthi sifuna ukuthi i-simulator ihlaziye; Le datha ibalulekile ngoba ngokususelwa kulolu lwazi, i-simulator izokwenza izibalo ezahlukahlukene ezizisondeza emphumeleni oqonde kakhulu, ukuze imininingwane yokugcina ithembeke.
Into yesibili okufanele sicacise ngayo ukuze sondle i- simulator ngendlela efanele Yimigomo esiyifunayo kanye nesikhathi sokukhokha; Lonke lolu lwazi lubalulekile ukuthi sitholakale ngaphambi kokusebenzisa le simulator, ngoba ngale ndlela imiphumela izolinganiselwa kakhudlwana.
Iseluleko esisebenzayo yilolo lolwazi oludingwa yisimulator, esinalo kunoma iyiphi yalezi zinkambu ngaphezu kokukhethwa kukho okukodwa; Lokhu kuzosisiza ukuthi sihlaziye izimo ezahlukahlukene esingakhetha kuzo ezihamba phambili noma ezifanele izidingo zethu.
Imalimboleko simulator
I-simulator yemalimboleko Luhlelo olusivumela ukuthi sithole umbono wokuziphatha kwezitolimende okuzofanele sizikhokhe ukuze sikwazi ukukhokhela imali mboleko kanye nezintshisekelo. Le simulator ilusizo impela ngoba izosinika umbono wokuthi imali yethu izosebenza kanjani esikhathini eside, isivumele ukuthi sibheke inani elizodingeka silikhokhe njengengxenye yentela futhi sibone ukuthi kungenzeka yini shintsha imali okumele siyikhokhe.
Lapho le simulator isinika imiphumela, kubalulekile ukuthi sihlaziye ukuthi sizoba namandla okukhokhela izindleko ezenziwe yimalimboleko; ukuze singangeni esikweletini ngemali esingeke sikwazi ukuyikhokha. Elinye iphuzu okufanele silicacise ukuthi kumele sihlaziye izindleko nenzuzo yemalimboleko eshiwo, ngamanye amazwi, kufanele sizibuze: Ingabe kufanelekile ukungena ezikweletini nokukhokha inzalo ukuze uthole imali mboleko?
Yize le simulator izosinika umphumela, isinqumo sokugcina senziwa ngumsebenzisi, ngakho-ke sizohlaziya ngokujula kakhudlwana imininingwane enikezwa yilo simulator nokuthi umsebenzisi kufanele aluhumushe futhi aluhlaziye kanjani.
Le simulator izosinika imali yokuqala okufanele siyikhokhe ngenxa yemalimboleko, ibalwa inikezwe i- a isilinganiso senzalo nethemu. Ngakho-ke ukuze sibe nomphumela onembe kakhudlwana, kubalulekile ukuthi sibe nemininingwane ecace bha ezondla lesi simulator.
Enye ye izinzuzo zalesi simulator ngukuthi inethuba lokucatshangelwa ezibalweni zayo uma kukhona ukuhlukahluka ezimweni zemalimboleko; ukuthola futhi njengomphumela wokugcina amatafula wokwehliswa kwemali. Ngale ndlela, inani lokugcina elizokhokhwa lizocaca kakhulu nokuthi lihlukaniswa kanjani ngezikhathi zesikhathi okuvunyelwene ngazo emalimboleko.
Inhloso yalolu lwazi ukukwazi ukwenza izinqumo ezingcono, kubo kuyadingeka ukuthi sibheke isitolimende sokuqala esizophonswa yisimulator; ukusibuza imibuzo njengokuthi ngikwazi ukuyikhokhela? Ngeke yini iphazamise esinye isikweletu? Uma kwenzeka umcimbi ongalindelekile, nginalo yini ikhono lokukhokha imali kanye nesehlakalo esingalindelekile? Ngaphandle kokungabaza, ukuzibuza le mibuzo kuzosinikeza umbono ocacile wokuthi kufanele sivume noma cha ukubolekwa imali.
Elinye iphuzu okufanele silihlaziye yilezi amatafula okwehlisa amanani, okubandakanya ukukhokha ngezikhathi esizokwenza ebhange. Njengoba lolu lwazi luseduze, kufanele sizibuze, kufanele yini ukuthi sibe namandla wenyanga ukukhokhela izinkokhelo? Ngabe kukhona olunye udaba lapho sinemali ebekiwe? Ukucabanga ngalolu daba kuzosinika umbono ocacile wokuthi iyiphi inketho engcono kakhulu.
Isiphetho
Akungabazeki abalingisi Zisizo olukhulu ukukwazi ukwenza izinqumo ezingcono zezezimali, futhi isimemezelo seBank of Spain asisiniki nje kuphela imininingwane edingekayo ukuze sihlaziye, kepha futhi sinobungane impela, ngoba kungenzeka ukuthi sikwazi ukukufinyelela lokhu ama-simulators avela kudivayisi ephathekayo noma ngabe yi-iOS, noma iselula ye-Android. Yonke imininingwane namathuluzi kusesandleni sethu namuhla, manje sekuyindaba yokuyisebenzisa nokwazi ukuthi singakusebenzisa kanjani ukuze kusizakale.