Imali mboleko yokugwema ukutshalwa kwemali okungalungile

izimaliAbatshalizimali imvamisa kufanele bahlukanise amasheya abo noma amasheya esikhwama ukuze babhekane nezinkinga zabo zokukhokha. Uma izikhundla zakho kule mikhiqizo zikhona isimo sezinzuzo ezinkulu ingamela ukusebenza okuhle kakhulu ukuthola imali esetshenzisiwe kanye nezintshisekelo zayo ezihambisanayo. Kepha uma bephikisana, lokho kusho ukuthi babelahlekelwa yimali, kwakuzokwakhiwa inkinga enkulu eyayizolungiswa kuphela nge isikweletu semali okuhloswe ngayo ukutshalwa kwezimali. Ukuhlangabezana nalesi sidingo, amanye amabhange enze uchungechunge lwemalimboleko ehlangabezana nalezi zici.

Kubatshalizimali abangafuni ukuhlehlisa izikhundla ezimakethe zezezimali, bazoba nenketho yokufuna imali mboleko yomuntu siqu. Kodwa-ke, kuzodingeka ukuthi kutholakale ukuthi isicelo sakho sizokufanele ngempela yini. Inzalo abayisebenzisayo, phakathi kuka-7% no-10%, kufanele sengeze amakhomishini kanye nezinye izindleko ekuphathweni kwabo okungenzeka ukuthi kudingekile. Kufike ezingeni lokumelela u-2% wemali efunwayo. Kuzoba yisikhathi sokuhlola uma kungathandeki thengisa izikhundla kumikhiqizo yokulingana. Kodwa-ke, ezinye izikhungo zezezimali zibeke umugqa okhethekile kakhulu wesikweletu lapho kunakwa khona lezi zidingo zamakhasimende.

Ukulungisa lezi zigameko emalini, amabhange athuthukise imigqa ethile yezikweletu enale nhloso eshiwo ngenhla. Kusuka kwizikhundla ezahlukahlukene basebenzela izimo ezahlukahlukene ezimakethe zamasheya kanye nemikhiqizo yezimali yemvelo ehlukile. Ingaxhunyaniswa nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya kuya izimali zokutshala izimali noma kwezinye izimo ezinhlelweni zokonga noma zempesheni. Kepha ukwazi ngaso sonke isikhathi ukuthi ukufunwa okukodwa kwalawa makhredithi kuzokhiqiza izindleko ezingaguquki njalo ngenyanga. Lapho isilinganiso senzalo okufanele sikhokhwe sigqama futhi okumele kungezwe kukho amakhomishini akhona okungenzeka ukuthi umkhiqizo unawo (ukutadisha, ukuvulwa, ukukhanselwa ngaphambi kwesikhathi, njll.)

Ukunikezwa kwemali mboleko yasebhange

Okwamanje isithembiso sasebhange asibanzi kakhulu njengakwezinye izivivinyo. Kepha okungenani baqoqa iziphakamiso ezanele zokuzisebenzisa ngesikhathi esithile ezimpilweni zethu. Ngezici ezihluke kakhulu kusuka komunye kuya komunye njengoba uzokwazi ukubona ngezansi ngoba ngamunye wabo unakekela okunye Izikhathi zokuhweba ezihluke kakhulu kokunye. Kunoma ikuphi, kungumnikelo okhethekile okhona ukuze abatshalizimali abancane nabaphakathi bakwazi ukuvikela ukonga kwabo esimweni esingalindelekile.

Ngoba ikhuluma ngani ungalahlekelwa yimali ezimakethe ezehlukene zezezimali. Akumangalisi ukuthi kuyinhloso yale mikhiqizo ukuxhaswa ngezimali kwangasese, lapho igcina khona imibandela ethile enkontilekeni yayo okufanele uyazi kusukela manje kuqhubeke. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezimali. Kunoma ikuphi, akukhuthazwa ukuthi ukhiphe noma yimaphi kulawa makhredithi ngemali yawo ephezulu ngoba izolikhuphula kakhulu izinga lakho lesikweletu.

Banikela ngama-euro angama-100.000

eurosImalimboleko yeCredifondo ilayini wesikweletu kumakhasimende esikhwama sokutshala imali athengiswa yi-Ibercaja. Yenzelwe ukuxhasa ngezimali abanikazi bale mikhiqizo nokuthi by izizathu zentela noma ezinye izidingo, abafuni ukubuyisa amasheya abo. Enye yeminikelo yayo ebaluleke kakhulu ukuthi ivumela ukuhlala ezikhwameni, kepha isiyonke. Ngezinzuzo zentela ezibikwe ngabadala njengobunikazi bazo. Ngaphansi kwesamba sama-60.000 euros nesikhathi sokukhokha esifinyelela eminyakeni eyi-8.

I-BBVA, ngakolunye uhlangothi, inikezela ngama-akhawunti amakhulu ngemali mboleko eguqukayo enemigomo ephakathi kwezinyanga eziyisithupha kuya eminyakeni emithathu ebonakala ngokunikeza isiqinisekiso sesibambiso samasheya. Ukuze usebenzise ngokunenzuzo izimo ezinhle zemakethe yamasheya. Basebenzisa inani lenzalo elingaphansi kwe-5% futhi bakhululiwe ekuvuleni nasezimalini zokukhansela zakuqala. Kukuphi ukwehluka okuncane okuhlukile kokunye, ngoba empeleni kungumugqa wesikweletu ngesibambiso samasheya. Umehluko omkhulu maqondana namanye amakhredithi otshalo-mali.

Ukutshalwa kwemali nokuboleka impesheni

izimpesheni Esinye isimo esehlukile yileso esethulwe yiBankia ngokusebenzisa iMali mboleko yayo Yokutshalwa Kwezimali Nempesheni. Ikhonza ukuxhasa ngezimali iminikelo yezinhlelo zempesheni futhi uthole nezinzuzo ezinhle kakhulu zentela zeminikelo eyenziwe. Njengomphumela waleli qhinga, ungafinyelela ithiphu yemali ekhokhelwa ukwanelisa izidingo zabanikazi abangafuni ukuvala ukusebenza kwabo. Njengenani elengeziwe, icabanga ukuthi kungenzeka yini ukukhetha inani lenzalo elingaguquguquki noma eliguqukayo. Ukuhlinzeka ngokuguquguquka okuthe xaxa ekunikezelweni kwalolu hlobo olukhethekile lwezezimali olunikezwa yimigudu yokukhangisa yasebhange.

Ngaphandle kwalezi ziphakamiso ezithile zebhange, ungahlala ubheka kumakhredithi aziwa ngokuthi encanyelwayo. Lokho kusho ukuthi, labo abacabanga ngezimo ezingcono zenkontileka ngokuya ngephrofayili enhle kakhulu oyethula njengekhasimende lebhange. Ngokuncishiswa kwephuzu elilodwa lephesenti ekusetshenzisweni kwamazinga wenzalo nokukhululwa kwazo zonke izinhlobo zamakhomishini futhi kwesinye isikhathi izindleko zokuphathwa kwazo kanye nokugcinwa kwazo. Kuze kube seqophelweni lokuthi bazoba nentshisekelo ethe xaxa ukuvikela izintshisekelo zakho. Kokubili ebudlelwaneni bakho nezimakethe zezimali nasekukhokhelweni kwemali mboleko uqobo.

Izinzuzo zokusebenzisa le mali

Vele, amakhredithi wokutshala imali angakusiza ukuthi uphume ezinkingeni ezingaphezu kwesisodwa ekutshalweni okwenziwe hhayi kuphela kulabo abaxhumene nemakethe yamasheya. Lokhu kungenxa yezinhloso eziyinhloko zalesi sigaba samakhredithi esikhuluma ngawo. Yize kufanele uhlaziye ukuthi ngabe umsebenzi uzoba nenzuzo kusuka manje. Ngoba kungenzeka okuphambene nalokho. Kunoma ikuphi, sizokukhombisa ezinye zezinzuzo isidingo sale mikhiqizo yasebhange esingakulethela sona. Ezinye zazo zingakufanela njengamanje.

  • Njengoba bephethe amanani enzalo eyeqile, kepha kunalokho kugcinwa ngamamaki afanayo wokulamula njengakwezinye izimali mboleko zezimali zabantu ngabanye. Zigudla umphetho ohambayo 6% kuya ku-10% cishe.
  • Zingakhiwa ku- Isixazululo sephuzu ngaphambi komzuzu omubi ekutshalweni kwakho kwemali nalapho kufika isikhathi lapho ungeke ukwazi ukuthengisa amasheya akho noma ukubamba iqhaza. Phakathi kwezinye izizathu ngoba njengamanje bakhubazeke kakhulu.
  • Futhi ziyazwela lapho ithiphu yakho ye- isikweletu ku-akhawunti yamanje Akuyona oyifunayo futhi ungazibona usenkambweni eyinkimbinkimbi yokuthengisa utshalomali lwakho. Ngokuvamile ezimeni zokungazinzi ezimakethe zezezimali kanye nemiphumela eqonde ngqo ukuthi ungazithola usungene shi ekusebenzeni kabi emakethe yamasheya noma etholakala kweminye imikhiqizo yezezimali.
  • Kuboniswa futhi ku- uthole izikhathi ze-bearish ekutshalweni kwemali futhi ikakhulukazi emakethe yamasheya. Ukuze ungathengisi amasheya akho ngamanani angahle ahlekise ngempela nokuyinto okuthi ngesinye isikhathi ezimpilweni zethu yenzeke ngeshwa.

Ubungozi bale misebenzi

izingozi Ngokuphambene nalokho, lezi zinhlobo zokuhamba zinezingozi okungafanele uzikhohlwe. Ikakhulu ngoba bazobandakanya izindleko ezingabalulekile kangako, kuya ngenani elifunwayo. Kufanele uhlole ukuthi ngabe ukusebenza kungakwazi yini uthole inzuzo futhi ngezinga elingakanani lokuphepha. Hhayi ngeze, ungacela ama-euro angama-100.000 ngalezi zinhloso. Ngalesi sizathu, kufanele uhlaziye izimo ekubuyisweni kwayo nokuthi kufanele yini ukuboleka inkinga onayo ekutshalweni kwemali noma cha. Ekugcineni, kungaba nenzuzo enkulu kuwe ukukhokha izikhundla ozivule ezimakethe zezimali.

Ngakolunye uhlangothi, lolu hlobo lwesikweletu lungakhuphula isikweletu sakho sibe kumazinga ayingozi kakhulu ezithakazelweni zakho. Kunoma ikuphi, kunomthetho wegolide okufanele uwusebenzise njalo futhi lokho ungalokothi uhlukumeze lolu hlobo lwezezimali. Ngoba imiphumela ingahle ibe okuphambene nalokho okufunayo ngempela ngesimangalo sakho. Enye yezingozi ezihambisana nayo isuselwa eqinisweni lokuthi imali oyisebenzisayo nalezi zikhredithi ingaba nkulu kunenzuzo ozoyibika ngokutshalwa kwemali. Gcina engqondweni kusukela manje ukuze uvikele noma yiluphi uhlobo lwezimanga ezingezinhle.

Ekugcineni, kufanele uhlole ukuthi ngabe uyakudinga ngempela yini ukwenza lo msebenzi. Kufanele okungenani uzame ukuthola ezinye izindlela ezigculisayo. Isibonelo, ukufuna leli nani ngezihlobo zakho ozethemba kakhulu noma ukucela ukubolekwa kwemali phakathi kwabantu. Akumangalisi ukuthi kunemali eningi ongayonga ngalezi zindlela zokuhlinzeka ngemali ku-akhawunti yakho yokuhlola. Noma mane uqondise utshalomali lwakho kumigomo emide lapho ungathola khona inani lalo lokuqala ngokuhamba kwesikhathi.


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

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  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.