Imithetho eyisisekelo yokutshala imali

imithetho ekutshalweni kwezimali

Imakethe yamasheya ayikho emhlabeni ongaphandle kwemithetho. Ngaphezu kwalokho, lezi zinenani elibaluleke kakhulu uma ufuna sebenza ezimakethe zezimali ezineziqinisekiso ezithile zempumelelo. Futhi nokuthi ngisho nokusebenza kwayo kubuswa ngochungechunge lwezisho ezithile ezi ilusizo kakhulu ukufaka isicelo ekunyakazeni okwenzayo njalo. Womabili la macebo kufanele abe ngumthombo wokufunda lapho ungenza khona ukonga kwakho kube nenzuzo.

Abatshalizimali abanolwazi oluningi ezimakethe zezezimali bakwazi kahle lokhu, futhi ngenxa yalesi sizathu abanqikazi ukusebenzisa la macebo ezinhlotsheni zabo zokutshala imali. Le yimithetho eyisisekelo kakhulu ekutshaleni imali. Zisetshenziselwa ikakhulukazi imakethe yamasheya, kodwa futhi neminye imikhiqizo yezezimali noma imiklamo ethandwa kakhulu. Izimali ezihwebelana ngokuhwebelana, okuphuma kokunye, noma ikusasa ezinye zazo, yize zinezingozi eziningi kwizivumelwano zazo.

Ukuhambisa imisebenzi yakho ngamasheya, ngeke ube nokhetho ngaphandle koku yenza ngaphansi kwale mithetho. Vele, uma ufuna ukufeza izinhloso zakho, okungeke kube ngaphandle kokuthola imbuyiselo ephezulu yeminikelo yakho yemali. Akusekho okungaphansi. Kuzothatha intshisekelo encane ukwamukela le mihlahlandlela, futhi ngokuhamba kwesikhathi imiphumela emihle ngeke isheshe ifike. Vele, hhayi ngaphandle kwezithiyo ezincane.

Imithetho yokuphela kwezimali

Enye yezinto edala impikiswano enkulu yileyo ethinta imigomo okutshalwe kuyo izimali. Zingaba mfushane, ziphakathi nendawo noma zide. Futhi kunesisho esithandwa kakhulu sokuthi ngokuhamba kwesikhathi awusoze ulahlekelwe yimali ezimakethe zamasheya. Ngokwezinga elithile lokhu kuyiqiniso futhi kusekelwa ngokwenzeka kubatshalizimali abaningi abanolwazi olunzulu ekusebenzeni ezimakethe zezimali, ngisho nakwezinye izimakethe ngisho nemali engenayo engaguquki.

Nokho, utshalomali lwesikhathi eside kunzima kakhulu ukuhlangabezana nalo. Futhi akubona bonke abatshalizimali abazimisele ukugcina le mihla ebekiwe. Akumangalisi ukuthi abaningi bashiywe eceleni kwendlela, kanti abanye abakwazi ukusizakala ngokusebenza kwalezinhlangano. Umqondo wokuthengisa ngesikhathi usikisela kakhulu, noma ushintshanisa ngokuzuza okuncane kwemali, ukuze unikeze le migomo yokugcinwa unomphela.

Imvamisa kuyiqiniso ukuthi ngalezi zikhathi uhlala unqoba, ngaphandle kokuthi kwenzeke izehlakalo ezimangazayo, noma lokho nje inkampani esohlwini iyaqothuka. Njengakwelinye icala, kwenzeke ngamanani angaphezu kwelilodwa emakethe yamasheya aseSpain, nakulawo ozowakhumbula ngalesi sikhathi. ILa Seda de Barcelona, ​​Terra, TPI noma iPicking Pack ngezinye zezibonelo zokuthi ungalahlekelwa kanjani yiyo yonke imali kwizimali.

Kepha uma ukhetha amanani ajwayelekile amaningi, ngokuqinisekile uzothola imali. Yize kulokhu kufanele ukuthi imisebenzi yakho ingasebenzi isikhathi eside, mhlawumbe ngokweqile kuzintshisekelo zakho. Hhayi ngeze, lezi zikhathi zokugcina kudinga isikhathi sokuhlala phakathi kweminyaka emithathu nengu-3, ngisho nangaphezulu kubatshalizimali abavikela kakhulu. Ngabe uzimisele ukwamukela lezi zikhathi zokugcina? Lo kuzoba ngumbuzo oyinhloko ozodinga ukuwuhlaziya kusukela manje.

Ukude kangakanani ukushesha inzuzo?

Isimo semakethe yamasheya esifunwa kakhulu yibo bonke abathengisi, naso ingxenye yakho, kufanele sibe sesimweni senzuzo. Kungenye yezizathu zokutshala imali. Kepha inqubo iba yinkimbinkimbi kakhulu lapho ungacaciswanga ukuthi yini amazinga kufanele uthengise amasheya akho. Ngalo mqondo, isisho esidala emakethe yamasheya esisho ukuthi "isenti lokugcina le-euro lithatha elinye" liwusizo olukhulu. Akumangalisi ukuthi ungazuza ekusetshenzisweni kwayo kuma-oda owavule ezimakethe zezimali.

Akufanele naphansi kwezimo ezithile uqondiswe ukuhaha, ngoba ekugcineni ungalahlekelwa yikho konke, njengoba kwenzekile komunye umtshalizimali omncane, onolwazi oluncane ezimakethe zamasheya. Kulesi simo kuhlala kungcono ukwenza ukuthengisa ngenzuzo, noma ngabe incane, ukuthi umcimbi udlule futhi imakethe yamasheya yehle, noma ngendlela emakwe kakhulu. Lokhu kuyinto esindiswa ngamahora amaningi okundiza ezimakethe zezezimali zazi kahle kakhulu.

Ungayi kumahemuhemu asemakethe yamasheya

amahemuhemu

Esinye isihloko sempikiswano enkulu yileso esibhekisa kumahemuhemu emakethe yamasheya njengecebo lokutshala imali eyonga impilo. Kwezinye izimo ziyiqiniso, kepha ezimweni eziningi akuqinisekisiwe. Kuyingozi enkulu kakhulu engakulimaza ngaphezu kokucabanga kwakho. Futhi nokukuyisa ezimeni ezinganconyelwe izintshisekelo zakho.

Kulokhu, kunesinye isisho esinokuqagela okuthile phakathi kwabatshalizimali abanolwazi oluningi esishoyo "Ithengwa ngamahemuhemu futhi ithengiswa nezindaba". Le nkulumo igcwele iqiniso elikhulu, yize kunzima kakhulu ukuyisebenzisa. Izikhathi ezimbalwa iphumelela kakhulu. Imvamisa uhlala ufika sekwedlule isikhathi, futhi ukuthenga amasheya ngokuqinisekile ngeke kube yinzuzo.

Futhi kakhulu ukungena ezimakethe lapho izindaba seziqinisekisiwe. Akumangalisi ukuthi uma uyenza, kungaba omunye wemisebenzi emibi kakhulu oyenzile empilweni yakho njengomtshali-zimali omncane noma ophakathi. Akufanele kube isu elifanele impela lokwenza iphothifoliyo yokutshala imali, noma ngabe iyiphi iphrofayili oyethula njengesilondolozi. Kuneminye imithombo yolwazi ethembeke kakhulu, ungakhohlwa, nokuthi uzokwazi ukuzinika injabulo engaphezu kweyodwa kulezi zikhathi.

Thenga amasheya ashibhile kakhulu

intengo yabelana

Kunenye inkolelo ejwayelekile mayelana nezinzuzo zamagugu lokho Bacaphuna ngamanani angenangqondo, ngokuvamile ngaphansi kweyunithi ye-euro. Kulindeleke ukuthi bavuke ezinyangeni ezimbalwa, noma emasontweni. Ngenye iphutha elikhulu okungafanele ulenze ngaphansi kwanoma iziphi izimo, kepha ufuna ukwenza imprudence ozisola ngayo kungekudala.

Lawa maxabiso anamanani entengo aphansi kakhulu ngezizathu eziningi, futhi esinye sazo ngoba kunjalo inani layo langempela. Hhayi ngezinye izizathu ezingaqondakali. Ngaphezu kwalokho, imvamisa bayizinkampani ezinezinkinga ezinkulu kuma-akhawunti abo ebhizinisi, futhi ezinamazinga aphezulu kakhulu esikweletu. Kwezinye izimo, akunakwenzeka ngokuphelele, futhi lokho kungaholela ekumisweni kwabo ezimakethe zezimali. Lawa yiqiniso abhalwe kuwo kulezi zintengo.

Kodwa akusho ukuthi ashibhile, kude nayo. Ukuba kunoma ikuphi isigaba esiyingozi kakhulu sezibambiso futhi okunzima kakhulu ukusebenza ngaso ezimakethe. Ngisho nasemisebenzini yesikhashana enjalo. Akufanele uwele esilingweni sokuvula izikhundla kuleli banga lezinkampani i-solvent encane kangako ukuze ufanele ukwethenjwa.

Kukhona izinyanga ezinamandla kakhulu kunezinye

Kulokhu kungokoqobo okuqhathaniswa nomlando wezimakethe zamasheya, yize kungakhonjwanga ngokucacile ukuthi yiziphi izinyanga. Akumangalisi ukuthi kweminye iminyaka ziyinto eyodwa nakwezinye izivivinyo ezinye izinyanga ezahlukahlukene. Ziyahlukahluka kuye ngeqiniso lezimakethe zezimali. Kulula kanjalo, ngaphandle kokuthi ubheke ezinye izincazelo eziyimfihlakalo.

Ngokwesiko izinyanga zesemester yokugcina yonyaka zinamandla kakhulu kunokuqala. Uma uya kuzintengo zomlando uzokwazi ukuqinisekisa ukuthi lokhu kuyiqiniso. Njengomphumela walesi simo, amasu akho okutshala imali angahamba ngezikhundla zokuvula ezimakethe zamasheya ezinyangeni zokugcina zonyaka. Futhi ngale ndlela, sebenzisa ngokunenzuzo umfutho oya phezulu wezimakethe zezimali.

Isu elingathuthukiswa kulesi simo lizoba sisebenzise izinyanga ezinamandla kakhulu ukuvula izikhundla emalini. Ngokusebenza okuhlukahlukene ngonyaka ofanayo. Kunoma ikuphi, kunesinye futhi isisho esingakusiza ngokungagwegwesi ngezintshisekelo zakho njengomlondolozi oyikho. Siqukethe ukushiya izikhundla eduze nokufika kwekota yesibili yonyaka. Ukuqala kabusha izikhundla ngokufika kwezinyanga zokugcina zonyaka ngamunye.

Musa ukutshala imali eningi kunesidingo

iminikelo

Mayelana namanani okufanele anikezelwe kutshalomali, awukho umthetho ohleliwe, kepha kunalokho kuzoya ngephrofayili oyethula njengomtshalizimali. Futhi-ke isimo sama-akhawunti akho. Kepha kunoma yikuphi, ngeke kusho ukuthi uthatha inani eleqile ukuthi isabelomali sakho sasekhaya singaxhomeka kuso, futhi nezinye izindleko ezingabonwa ekubalweni kwemali ozigcina ekhaya.

Kwanele lokho nikela phakathi kuka-30% no-60% wemali oyongile ukuvula izikhundla ekusebenzeni kwezezimali. Kuzodingeka ukunqobe kuphela ezimweni ezithile kakhulu, futhi inqobo nje uma uzokhokhwa imali engenayo ejwayelekile futhi enkulu. Ngenkathi uma wenza ngokomthetho umsebenzi wokuqagela noma wokubeka engozini, ngeke kube khona okunye ongakwenza ngaphandle kokunciphisa iminikelo yemali yalolu hlobo lokusebenza.

Elinye lamaphutha amakhulu ongawenza ukutshala lonke ibhalansi ye-akhawunti yakho yokuhlola. Ngokuqinisekile uzoyikhokhela ngezinkinga ezingaphezu kweyodwa esimweni sakho. Futhi lokho kungakuthinta nokufanele ukwenze yenza ukuthengisa okuncaneiales ngaphansi kwezimo ezingavumelani nezintshisekelo zakho. Futhi-ke, ngaphandle kokuphoqeleka ukuthi ufune indlela yezimali ehlanganisa ukungabi khona kwemali ku-akhawunti yamanje.

Uma uhlangana nabo bonke, noma okungenani abanye babo, uzoba nendlela ende ozohamba ngayo, okungenani ukugcina izikhundla zakho kumasheya. Kuzokusiza ukuthi ungahambi kabi kutshalomali olwenziwe, noma nokuthi zikuthambekele ekwenzeni ukuthengisa okungalungile kube ngokuphelele, noma ngokuphelele. Impela uzoba ngcono kusukela manje.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.