Izimalimboleko zotshalo-mali: ezingaphezu kwezimali

utshalomali Abatshalizimali imvamisa kufanele bahlukanise amasheya abo noma amasheya esikhwama ukuze babhekane nezinkinga zabo zokukhokha. Uma izikhundla zakho kule mikhiqizo zisesimweni sokuzuza kwemali, kungamela ukusebenza okuhle kakhulu kwe- buyisela imali oyitshalile kanye nezintshisekelo zabo 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. Ngenzalo abayisebenzisayo, phakathi kuka-7% no-10%, kufanele sengeze amakhomishini nezinye izindleko ekuphathweni kwawo okungenzeka ukuthi ukufunwa kungabandakanya. Kufike ezingeni lokumelela u-2% wemali efunwayo. Kuzoba yisikhathi sokuhlola ukuthi akukuhle yini ukuthengisa izikhundla emikhiqizweni yezimali. Kodwa-ke, ezinye izikhungo zezezimali zibeke umugqa okhethekile kakhulu wesikweletu lapho kunakwa khona lezi zidingo zamakhasimende.

Lo umugqa wezezimali ongajwayeleki okhonjiswa ngesiteshi esiphindwe kabili semvume. Ngakolunye uhlangothi, ngokusebenzisa lokho okuthiwa izikweletu zabantu ngabanye ezimakethwa ngaphansi kwezimo ezithile yizinkampani zebhange nezisho amanani entela angaphezu kuka-7%. Ziyafana kakhulu nemalimboleko yabathengi futhi umehluko omkhulu ukuphela kwezimali ezibolekiwe. Ngakolunye uhlangothi, lo mbono ubuye uhlanganiswe yimalimboleko ekhethiwe ebhekiswe kumakhasimende ahamba phambili ebhizinisini futhi okuthola izinkontileka zawo kwenziwa ngezimo ezingcono. Hhayi kuphela ngenxa yenzalo esetshenzisiwe, kodwa futhi nangenxa yezinye izidingo ezifunwayo kwimvume yayo.

Izimalimboleko zokutshala imali: izidingo

Izidingo ezijwayelekile yilezi ube neholo elihleliwe noma ukugunyazwa. Kwesinye isikhathi kuyenzeka ukuthi uzithole ngaphandle kwezidingo, kepha ngezinsuku ezikhethekile kuphela nangezimali ezimbalwa kakhulu. Umbuzo kungaba ukuthi, ezezimali noma zebhange, ezingaceli izincazelo. Njengoba uma uphikisana nokuthi kungukutshala imali emakethe yamasheya, kungenzeka kakhulu ukuthi ngeke bayivume. Kunoma ikuphi, ukuba iklayenti elihle lesikhungo sezezimali noma ukuphatha amaholo noma impesheni kusiza kakhulu ekunikezelweni kwalo. Ngoba akuvamile kakhulu ukuthi iklayenti elisha likwazi ukufinyelela kulolu hlobo lwezezimali kusukela ekuqaleni. Noma okungenani bazodinga izidingo eziningi kakhulu zokuthola ithiphu yokukhokha imali abayitshalile.

Kulesi simo esivamile, kusobala ukuthi ngeke kulibaleke ukuthi amakhredithi okutshalwa kwezimali akhiwe ku- ithuluzi elinamandla ukuthuthukisa utshalomali uma imali edingekayo ingatholakali ukwenza imisebenzi. Kodwa-ke, lo mkhiqizo wezezimali unephrofayili yekhasimende echazwe kahle lapho kufanele unikeze amandla aphezulu okuthenga. Lokho kusho ukuthi, abasebenzisi abanenzuzo enkulu kakhulu eqinisekisa ukufunwa kwezimali njengoba empeleni ikhetheke kakhulu.

Izici zalesi sikweletu

dinero Uma okuthile kuchaza isikweletu sabatshalizimali ngalesi sikhathi, kungenxa yokuthi kungaphezu kokuguquguquka okuphezulu. Yize kunjalo, ayihlinzeki ngokunikezwa okubanzi okuvela ezinkampanini zebhange ezithengisa le thiphu yempahla. Uma kungenjalo, kunalokho, kunguchungechunge lweziphakamiso ezinomkhawulo futhi, empeleni, lucacisiwe. Ezimweni eziningi, kuhloswe kumakhasimende asebhange amahle kakhulu ngoba yibo abadinga kakhulu lolu sizo olubalulekile lwezezimali. Abatshalizimali abancane imvamisa ababhekana nalolu hlobo lwesikweletu, ngaphandle kokungajwayelekile. Kuyiqiniso okufanele licatshangwe ngenhloso ethile.

Ngakolunye uhlangothi, amakhredithi wabatshalizimali ahamba ngaphansi kwesilinganiso senzalo okungukuthi phakathi kuka-7% no-10%, ngokuya ngokunikezwa okwenziwe yisikhungo ngasinye sezezimali. Enye yezimpawu zayo eziyinhloko ihlala eqinisweni lokuthi ingxenye enhle yalezi zinhlobo zezimali ayibandakanyi amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni kwazo. Njengesibonelo, lezo zithathwe ocwaningweni noma ekuvulweni, phakathi kokunye okuvame kakhulu okwamanje. Umehluko owulethayo maqondana neminye imigqa ejwayelekile yesikweletu.

Ezinye izimpawu zokwehlukanisa

Uma lawa makhredithi akhethekile ebonakala ngokuthile, kungenxa yokuthi imigomo yawo yokukhokha imifushane kunaleyo yonke eminye. Ngoba empeleni, iminyaka emithathu noma emihlanu izokwanela ukuqeda lo msebenzi ngokuqinisekile. Ngaphandle kwalokho kunoma isiphi isiphakamiso sasebhange sakha isikhathi somusa ekuqaleni kwemvume yaso ukuze kuzuze ukubuya kwaso. Ngakolunye uhlangothi, sithola nokuthi imali enikeziwe ihambisana nalokho okusethwe umkhakha wamabhange. Ngamanani emali akhishwa phakathi kwama-10.000 no-50.000 ama-euro cishe, futhi kuya ngezidingo zabafakizicelo uqobo.

Lesi sigaba samakhredithi sinikwe amandla, ngakolunye uhlangothi, kumakhasimende amahle kakhulu. Lokhu kusho ukuthi akusibo bonke abasebenzisi abasesimweni sokuthola umkhiqizo ngalezi zici. Akukancane kangako ngoba isidingo salo sikhawulelwe kakhulu ngamabhange. Kuze kube sezingeni lokubeka okubalulekile izihlungi zemvume yakho. Lapho ezimweni eziningi kungeke kube khona okunye ongakwenza ngaphandle kokunikela ngeholo elinamandla noma okungenani imali engenayo ejwayelekile. Ngaphezu kokuba nerekhodi elihle kakhulu lamakhasimende asebhange. Yilaba bantu kuphela abangahlenga ngokusemthethweni le migqa yesikweletu kanye nemibandela ebekwe ngaphezulu.

Izinzuzo zokuqasha

izinzuzo Akungabazeki ukuthi lolu hlobo lwezezimali luthwala izinzuzo ezilandelanayo okufanele uzicabangele kusukela manje kuqhubeke. Futhi phakathi kwalokhu okulandelayo kuvela ukuthi uzodalulwa ngezansi.

  • Kuzoba ithuluzi elingenakuhlulwa ukwesekwa kwezimali, ikakhulukazi lapho imisebenzi ingakathuthuki njengoba ubulindele kusukela ekuqaleni. Ukufika ezingeni lokuthi ingakusiza ukuthi uphume ngokushesha okukhulu.
  • Yisixazululo esisebenza kakhulu se- ungahlehlisi izikhundla ezimakethe zezimali lapho izinto zingakulungeli. Lapho kujwayelekile kakhulu ukwenza imisebenzi emibi ngenxa yesidingo sokwempahla ukubhekana nezindleko ezibaluleke kakhulu ekhaya lomndeni.
  • Lawa makhredithi angakusiza usebenze nawo ukuvikelwa okukhulu ekusebenzeni emakethe yamasheya ngaphambi kwanoma isiphi isigameko esingavela emnothweni wasekhaya wabatshalizimali abancane nabaphakathi. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe ngisho nasendaweni yokubuka eyisisekelo.
  • Yimigqa ecacile yezimali, enikezwa ingxenye enhle yeziphakamiso zebhange izimo ezingcono ekuqashweni. Ikakhulu maqondana namazinga wenzalo asetshenziswa amabhange.

Izikweletu ezinikezwa ngamabhange

Imalimboleko yeCredifondo ilayini wesikweletu kumakhasimende esikhwama sokutshala imali athengiswa yi-Ibercaja. Idizayinelwe ukukhokhela abanikazi bale mikhiqizo abathi, ngenxa yezizathu zentela noma ezinye izidingo, bangafisi ukubuyisa amasheya abo. Enye yeminikelo yayo ebaluleke kakhulu ukuthi ikuvumela ukuthi uhlale ezikhwameni, kodwa ngokuphelele. Ngefayela le- izinzuzo zentela lokho kubika ubukhulu njengobunikazi bokufanayo. Ngaphansi kwesamba sama-60.000 euros kanye nesikhathi sokukhokha esifinyelela eminyakeni eyi-8.

I-BBVA ihlinzeka ngama-akhawunti amakhulu ngemalimboleko eguquguqukayo enezinyanga eziphakathi kwezingu-6 kuze kube yiminyaka emi-3 ebonakala ngokunikeza i- isiqinisekiso sesibambiso samasheya. Ukuze usebenzise ngokunenzuzo izimo ezinhle zemakethe yamasheya. Basebenzisa inani lenzalo elingaphansi kwe-5% futhi bakhululiwe ekuvuleni nasezimalini zokukhansela zakuqala.

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.

Ezinye izinsiza zala makhredithi

izikweletu Vele, njengoba kungenzeka ukuthi ubonile ngalezi zibonelo kumakhredithi wokutshala imali, azenzelwe kuphela ukuthengwa nokuthengiswa kwamasheya emakethe yamasheya. Uma kungenjalo, kunalokho, eminye imisebenzi yezezimali nayo ikhona, njengaleyo etholakala ezikhwameni zotshalo-mali futhi ikakhulukazi kwiminikelo yezinhlelo zempesheni. Emzameni wezinhlangano zebhange zokuvula lo mkhiqizo wezezimali ugcine isikhathi kangaka ezinye izidingo zokutshala imali ngabasindisa.

Enye yezinhloso zayo ezifanele kakhulu ukuthi ungabamba imali oyitshalile isikhathi eside kakhulu kunakuqala. Ngezehlakalo eziningi ezingakhiqizwa osukwini lwakho nosuku futhi okungaholela ekutheni uthengise izikhundla nganoma yisiphi isikhathi.


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.