Imali yesikhathi eside: injani?

isikhathi

Lesi sigaba semikhiqizo yokonga, imali yesikhathi eside, singafakwa enkontilekeni yesikhathi esiphakathi kweminyaka emi-3 nengu-6, lapho kungakhethwa khona imali enenzalo ekhulayo, ehlelekile noma exhunywe enkombeni yesitoko. Banethuba lokuthi banemali ephansi kakhulu engabizi kakhulu kunoma iyiphi iphrofayili yabatshalizimali, ngaphansi kobubanzi obuya kusuka ku-1.000 kuya ku-5.000 euros cishe. Futhi kunoma yikuphi, kuphakeme kakhulu kunalokho okunikelwe imigomo emifushane yokuhlala.

Ngalesi simo esejwayelekile, amama wokulamula angathuthukiswa kulesigaba semikhiqizo yokonga. Hhayi ngendlela ebaluleke kakhulu, kepha okungenani ngokwandisa la ma-margins ku- okweshumi kwephesenti maqondana neziphakamiso zabo zokuqala. Ngokukhokha okulungisiwe nokuqinisekisiwe minyaka yonke. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okutholakala kule mikhiqizo yasebhange.

Kunoma ikuphi, kumadiphozithi wesikhathi eside ngeke ubone ukukhushulwa noma ukwamukela okunikezwayo njengoba kwenzeka kuma-deposit wesikhashana. Yize izindaba ezingcono kakhulu zezintshisekelo zakho zingukuthi ngaso sonke isikhathi  uzobe usuthole umshwalense ngokuphelele wenhlokodolobha ebekiwe. Njengokunye komehluko omkhulu maqondana namamodeli asuselwa kwizimali. Ngale ndlela, uzobe usesimweni esingcono sokuhlela ama-akhawunti akho kusukela manje kuqhubeke. Ukuba ngakolunye uhlangothi, umkhiqizo olula kakhulu futhi olula ukuqasha.

Imali emide: inzalo ephansi

izithakazelo

Umphumela omkhulu wokwehla kwamanani wenzalo kwaba ukwehla okuphawulekayo kwenzuzo yale mikhiqizo. Ngalesi sikhathi, inzuzo yayo ihamba ebangeni elihambayo 0,50% kuze kufike ku-0,90% cishe. Kepha ngesidingo sokuba nemali ingasebenzi izinyanga eziningi, futhi mhlawumbe ngaphezu kwalokho ongakuthwala ukugcina imali eyanele kwi-akhawunti yakho yokonga. Ngokubuyiselayo, bakuqinisekisa ngokuphelele isamba semali efakiwe, noma yini eyenzekayo ezimakethe zezezimali. Lesi yisici esizokunikeza ukuthula kwengqondo okwengeziwe ukuhlela imali oyongile kusengaphambili.

Ngakolunye uhlangothi, lesi sigaba semikhiqizo yasebhange sibonakala ngeqiniso lokuthi abavumeli ukuvuselelwa okuzenzakalelayo. Uma kungenjalo, kunalokho, ziyaphela lapho iphelelwa yisikhathi. Yize kunjalo umnikelo wabo omkhulu ukuthi abenzi noma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwabo. Njengenye yezimpawu zayo zokuhlonza ezihlobene kakhulu maqondana namanye amamodeli wokonga anezici ezifanayo. Lapho futhi kufakwe phakathi kwamadiphozithi akhulayo, kanye nalawo aziwa njengamadiphozithi ahlelekile. Njengamasu okuthuthukisa kancane inzalo ekhiqizwe yizinhlangano ezikhipha le mikhiqizo.

Ngendlela yokwandisa inzalo

Iziphakamiso eziningi zesikhathi eside zisuselwa ekunikezeni inzalo ekhulayo njengesikhuthazo kwabasindisa inzalo. Le ndlela yokonga imvamisa inesikhathi seminyaka emi-3 kanye nesilinganiso senzalo esikhulayo sonyaka, lapho kungumnikazi uqobo okhetha ukukhokhiswa kwentela yakhe. Ukukwazi ukuba njalo ngekota, njalo ngonyaka, ngonyaka noma lapho sekuvuthiwe. Umnikelo wokuqala omncane kule mikhiqizo ufuna kancane, kusuka kuma-euro ayizi-4.000. Imali eyitshaliwe kanye nezinga lenzalo nakho kuqinisekisiwe phakathi nesikhathi sonke, nokwaziwa kusengaphambili nokukhanselwa kusenesikhathi kungenzeka. Ngenzuzo enkulu yokuthi lezi zinhlobo zingathathwa ngamafomethi we-inthanethi.

Amadiphozithi alezi zici izikhungo zezezimali ebezithuthukisa zivumela ukuvuselelwa okuqhubekayo kotshalomali. Ukwenza ngcono inzuzo unyaka nonyaka futhi kuze kube ufinyelela ekusebenziseni kwakhe kokugcina okuyilapho enikela khona emholweni wakhe ongcono kakhulu. Ngale ndlela, imali ekhulayo pvumela ithuba lokuthi iTshala imali oyongayo etholakala ngemigomo ehlukene, imvamisa iphakathi kweminyaka emithathu nengu-3, kuya ngezidingo zeklayenti ngalinye. Esimweni lapho ukwesulwa kokuqala kwenzeka, isilinganiso samanani sonyaka sizokwehliswa ngamaphesenti ambalwa eshumini bese-ke singabe sisaba nenzuzo kwizintshisekelo zabalondolozi abancane nabaphakathi.

Imali ehleliwe

Ezinye izikhungo zezezimali zikhethe ukunikeza amaklayenti azo eminye imikhiqizo engejwayelekile, ezimweni eziningi ngamadiphozithi ahlelekile. Le modeli ekwakhiweni kwalezi zici iqoqa ukusebenza ngokuya ngokuvela kwenkomba, umkhakha noma ubhasikidi wamasheya lapho kubhekiselwa khona le ntela yethemu ekhethekile. Ngezimpawu ezifanayo kumamodeli wangaphambilini wokutshalwa kwezimali futhi okungabhaliswa kusuka eminikelweni yama-monterias angaba ngu-5.000 XNUMX euros. Ngaphandle kwanoma yisiphi isikhathi ukuthi ukhokhe noma yimuphi uJanuwari ngokuya ngamakhomishini, izinhlawulo noma ezinye izindleko ezitholwe kubaphathi bayo.

Inzuzo enkulu, ngakho-ke, yale modeli kumadiphozithi asebhange ukuthi kuzokwazi ukwenza ngcono amakhemikhali wokulamula. Yize kufanele kucaciswe ukuthi lo mehluko nawo uzoteleka ikakhulukazi. Uma kungenjalo, kunalokho, bazodlula amazinga kunesizotha, ngokunyuka kwama-euro ambalwa ku-akhawunti yokonga ekupheleni konyaka. Ngakolunye uhlangothi, ukubuyiselwa okuqinisekisiwe kuncane kakhulu, cishe ku-2% noma ku-3% ngokuhamba phambili. Ukuze uzibuze ukuthi ngabe kufanele yini ukushiya imali oyilondolozile ingenamandla uma nje kwenzeka ngamadiphozithi ahlelekile.

Izici zalawa madiphozi

ukulondoloza

Njengeminye imikhiqizo yezezimali, lesi sigaba samadiphozithi sinezinzuzo nezinkinga ezithile okufanele wazi ngaphambi kokuqasha. Ngoba empeleni, lezi zimali ezifakwa ebhange azingcono noma zimbi kunezinye. Zihlukile nje futhi lokhu kungukuheha kwazo okuyinhloko ukuzenza zibe semthethweni kusukela manje kuqhubeke.

Phakathi kwezinzuzo zayo ezifanele kakhulu yilezo esikudalula kuzo ngezansi:

  • Imvamisa banikela nge- inzalo ekhulayo, ukuze kuthi njengoba ubude bokuhlala bude, babe nomholo wokugcina ongcono abazoba nawo.
  • Baqinisekisa njalo i- imali ephelele efakiwe Futhi akunandlela lapho uzolahlekelwa yimali, njengoba kungenzeka nangezinto ezitholakala ezimakethe zezimali.
  • Kukhona amasu ahlukene ebhizinisi ukwenza ngcono amamaki wabo wokulamula ngokuya ngephrofayili ethulwa ngumtshalizimali ngamunye omncane naphakathi.
  • Kunjalo azithengiswa kakhuluEsikhundleni salokho, yiziphakamiso ezithile ezethulwa ngamabhange ukuheha imali kumakhasimende abo.

Ububi balezi zimiso

Njengoba kungeke kube kuncane, amadiphozi alezi zici aletha nochungechunge lwezinto ezimbi okufanele uzicabangele ukuze ungathathi isimanga esibi kulezi zikhathi eziqondile. Lapho, hhayi kuphela inzuzo yayo eqala ukusebenza, kepha nezinye izinto zangaphandle nezingabalulekile kangako ekuhlaziyweni kwayo. Njengokulandelayo esikukhomba ngezansi.

  • Akungabazeki ukuthi kuyacabanga ube nenhlokodolobha engenakunyakaziswa isikhathi eside. Noma ungakhohlwa ukuthi kwezinye izimo bayakuvumela ukuthi wenze ukutakula okuyingxenye nokugcina isikhathi, kwesinye isikhathi ngaphandle kwenhlawulo.
  • Imali encane ukuyibhalisela kuphakeme kunamanye amamodeli yalezi zici. Imvamisa badinga umnikelo omncane kusuka kuma-euro ayi-8.000 kuya phambili.
  • Inzuzo abayinikezayo ayikhangi kangako anele ukuwagcina iminyaka engaka. Ngalo mqondo, kungahle kube nemikhiqizo yokonga enenzuzo okwamanje, yize mhlawumbe ngaphandle kokuqinisekisa ukubuyiselwa okuncane.
  • Kungumkhiqizo owenzelwe iphrofayili yesaver echazwe kahle kakhulu: iklayenti elilondolozayo lapho ukuphepha kwenhlokodolobha yakho kunqoba ngaphezu kwakho konke okunye.
  • Ungakwazi uphuthelwe ngamathuba wangempela ukwenza ngcono izimpahla zakho ngeminye imikhiqizo engahle ibe nenzuzo enkulu. Yize kuzindleko zokuthatha izingozi eziningi ekusebenzeni.
  • Ekugcineni, enye yezinkinga elethwa yile mikhiqizo yasebhange yilokho aziguquki kakhulu futhi kubabiza kakhulu ukuvuselela isakhiwo sabo eminyakeni edlule. Vele, ukwehluka kwayo kuncane kakhulu, unyaka nonyaka.

Ama-Akhawunti Wediphozi Avikelekile

izikweletu

Ngenye yezinhlobo zamadiphozithi ebhange lesikhathi esinqunyiwe ezingaziwa kakhulu ngabatshalizimali abancane nabaphakathi. Ngokwengxenye, ngenxa yezici ezikhethekile zale fomethi entsha yokwenza ukonga kwakho kube nenzuzo kule minyaka embalwa ezayo. Akumangalisi ukuthi lo mkhiqizo wezezimali uhlukaniswe ngokuyisisekelo ngoba ungabhaliswa kusuka enanini eliphansi elingabizi njalo ngenyanga yemindeni, cishe ama-euro angama-50 cishe. Ukuze kudaleke isikhwama sokonga esizinzile sesikhathi esimaphakathi neside.

Kuyinhlanganisela enelukuluku phakathi kwe-akhawunti nediphozi ngomqondo wendabuko wegama. Lapho, abaphathi badinga ukwenza ukuhlengwa okuphelele noma okuyingxenye ngemuva kwezinyanga eziyisithupha kusukela ekuqashweni kwabo. Futhi kunesiqinisekiso sokuthi uzohlala uthola yonke imali, okungenani, yonke imali banikele ekutshalweni kwemali okwenziwe. Kodwa-ke, eminyakeni yamuva ukutholakala kwalo mkhiqizo wokonga kuzipesheli ezikhungo zezezimali ebezikhula akuvamile kakhulu. Ukusuka kuleli phuzu lokubuka, uzoba nenkinga enkulu kakhulu yokubabhalisa kusuka manje.


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.