Imali mboleko phakathi kwabantu ngabanye: banjani futhi baxhasa ini?

okukhethekile Ubuchwepheshe obusha bufinyelele emkhakheni we izimali ezizimele. Ngokusebenzisa amapulatifomu edijithali lapho kuthengiswa khona okuthiwa amakhredithi phakathi kwabantu ngabanye. Ifomu okunye futhi kwehlukile ukuthi abasebenzisi kumele bazinikeze imali ngaphambi kwezidingo eziyinhloko okufanele babhekane nazo. Kepha akuwona umugqa wesikhathi esidala wesikweletu, kepha ukugcina imigqa echazwe kakhulu engajabulisa kakhulu ukwamukelwa.

Kusukela kulayini ojwayelekile owethulwe yimalimboleko phakathi kwabantu ngabanye, kunezinto eziningi ezintsha ezenziwa yisidingo sabo. Okokuqala, imali ayiveli ebhange noma esikhungweni sezezimali. Kepha komuntu osebenzisa i indima yombolekisi, okusho ukuthi, ngubani okuboleka imali ngesikhathi esithile nangaphansi kwezimo ezazisungulwe phakathi kwalezi zinhlangano zombili. Ngenhloso eyinhloko yokuthola imbuyiselo kulondolozo lwakho ngokushiyela inani kwabanye abantu. Ngale ndlela, zombili izinhlangano ziyahlomula kule nqubo.

Obolekayo ngoba uthola imbuyiselo enhlokodolobha yakhe ebengenakuba nayo ngemikhiqizo emikhulu ebekelwe ukonga (ama-term deposits, amanothi ezethembiso zasebhange, ama-akhawunti anengeniso ephezulu noma izimali zokutshala imali). Kukuphi lapho bekungakhona kuphela kusondela emazingeni ama-2%. Noma njengasendabeni yemikhiqizo ehloselwe ukutshalwa lapho kungekho khona imbuyiselo noma isiqinisekiso esinqunyiwe futhi kucatshangelwa uchungechunge lobungozi enhlokodolobha etshaliwe. Emizuzwini embalwa, lapho ukungazinzi kwezimakethe zezimali kungelinye lamahlelo alo ajwayelekile.

Ukuxhasa ngezimali umuntu ngamunye

mbolekoNgenkathi elinye iqembu, okungukuthi, ofake isicelo semalimboleko, angafeza inhloso yalo, kepha ngezimo ezingcono zokuthola izinkontileka Ezinye izici lo mkhiqizo omusha ohlinzeka ngazo ngezimali ukuthi ziwukuphela kwendlela yokufinyelela engxenyeni yabantu baseSpain. Ngoba ngenxa yeholo lakhe eliphansi, enenkontileka yezikweletu nebhange lakhe noma ngokumane abe ku uhlu lwabasebenza ngokungafanele (I-ASNEF, i-RAI, njll.) Ivinjelwe ekufinyeleleni kunoma yiluphi uhlobo lwesikweletu. Noma lezo zenani eliphansi noma ngamabhonasi. Akumangalisi ukuthi imali mboleko phakathi kwabantu ngabanye yithuba lakho lokugcina. Lapho bengakwazi ukufinyelela ezintanjeni ezijwayelekile zesikweletu ezikhuthazwa yizinhlangano zezimali.

Uma kufinyelelwa esivumelwaneni, zombili izinhlangothi zingazuza kule nqubo. Ngakolunye uhlangothi, ummangali, ozothola inzuzo yenzalo yokuncintisana kakhulu kunaleyo esele. Ngamaphesenti amaphakathi amisiwe ngo-6%, futhi kunoma yisiphi isimo esingaphansi kwaleyo eyenziwe ngamabhange. Ngokuncishiswa okuphakathi kwamaphoyinti amaphesenti amabili kuya kwamahlanu aqhathaniswa nemali yendabuko. Ngaphezu kwalokho, kuzogwenywa zonke izinhlobo zamakhomishini nezinye izindleko ekuphathweni nasekunakekelweni kwawo okuzonciphisa umzamo wezomnotho ekwenziweni kwawo ngokusemthethweni.

Izinzuzo Zababolekisi

Ngenkathi ngakolunye uhlangothi, labo ababizwa ngokuthi ababolekisi, ngakolunye uhlangothi, bazokwazi ukuthola inzuzo egculisayo kakhulu kulondolozo lwabo. Kusuka ku-1% okwamanje enikelwa ngamabhange ngokusayina imali yesikhathi, amanothi wesithembiso noma ngama-akhawunti akhokha kakhulu. Okungukuthi, i- buyela enhlokodolobha yakho kunenzuzo enkulu futhi mhlawumbe ngemigomo yokuhlala unomphela okungathamba ngokuya ngezidingo zelinye iqembu. Iyini intshisekelo ongayithola ngaleli su? Akuyona inzuzo echaziwe ngoba esimweni ngasinye kwehlukile futhi konke kuzoncika esivumelwaneni nenye ingxenye yenqubo.

Kunoma ikuphi, le ndlela yezezimali ihamba cishe ebangeni elihambayo kusuka ku-5% kuya ku-9%. Yize le mikhawulo ingadlulwa ngokuya ngesivumelwano esifinyelelwe nomsebenzisi. Esinye isici okufanele usicabangele ukuthi alukho uhlobo lwamakhomishini noma ezinye izindleko ezicatshangelwe ekuphathweni kwawo, njengoba kwenzeka kulawo makhredithi okuthiwa ajwayelekile. Njengalezo ezithathwe ekuvuleni, ekutadisheni noma ekukhanselweni kokuqala, phakathi kokunye okuhambisana kakhulu.

Izizathu zokukhetha le modeli

abasebenzisiKunoma ikuphi, uma uzoboleka omunye umuntu imali, ngeke ube nenye indlela ngaphandle kokwazi ezinye izinzuzo lokhu kuthengiselana phakathi kwabantu okuzokulethela khona. Uma kwenzeka nganoma yisiphi isikhathi uzithola ususenkingeni yokwenza le nyakazo yemali. Phakathi kwazo kunezinzuzo ezilandelayo esizokudalula kuzo ngezansi:

  • Ungakwazi thuthukisa inzuzo yakho Kusuka kumanani aphansi kakhulu angeke aholele ezinkingeni zezikweletu ukuhlangabezana nezindleko okuzodingeka ubhekane nazo onyakeni owodwa noma emibili.
  • Ungakwazi khetha iklayenti lokho kuyanelisa kakhulu ngokususelwa kuzici zayo. Ngalo mqondo, unezihlungi ezinamandla zokuthola ukuthi yimuphi umsebenzisi ongcono kakhulu wokukuboleka imali nangaphansi kwamanani.
  • Kuyisu lokutshala imali elizokusiza ukunqoba izikhathi ezimbi ibhizinisi elidlula kuzo. inani lemali. Lapho, okwamanje inani layo lingu-zero, libe ku-0%, njengomphumela wezinyathelo zezimali ze-European Central Bank (ECB).
  • Ungathola i- imali engaguquguquki futhi eqinisekisiwe minyaka yonke lokho kuzokusiza ukuthi wenze isimo se-akhawunti yakho yokonga sibe buoyant kakhulu kuze kube manje. Ngandlela thile, yimali eyengeziwe owawungenayo ngenkathi uthuthukisa umndeni wakho noma isabelomali sakho.

Ubungozi bale misebenzi

Ngokuphambene nalokho, ukuboleka imali kumuntu kungukusebenza ngaphandle kwezingozi. Njengesibonelo, ukuthi bathatha isikhathi eside ukukukhokhela noma ngisho nokuthi kungaba khona ukubambezeleka ekubuyiseni kwakho. Ukugwema lezi zimo, kunconywa kakhulu ukwenza lokhu kunyakaza ngaphansi kwesambulela sesisefo, kepha ngaphezu kwakho konke ipulatifomu ethembekile.

Okunye ukungalungi kwemali mboleko phakathi kwabantu kuhlala eqinisweni lokuthi imisebenzi ingaqhubeka iminyaka eminingi. Lokho wukuthi, bane- isikhathi sokukhokha yinde ngokweqile futhi kuthatha isikhathi eside ukubuyisa imali yakho. Akumangalisi ukuthi le misebenzi ingafinyelela eminyakeni emithathu noma emine.

Kuyafaneleka futhi ukusho ukuthi amakhredithi phakathi kwabantu adinga indlela ye- ukwethemba elinye iqembu. Lokho wukuthi, uzoboleka bani imali futhi uzodinga ukwazi ukuthi yiziphi izinhloso zelinye iqembu. Noma kungahle kube ohlwini lwama-defaulters ngoba ukube bekunje kufanele uvikele noma yiluphi uhlobo lobudlelwano. Kuningi ongakulahla ngemuva kwakho konke.

Bazotholani abamangali?

dinero Ngokuphambene nalokho, uma usesikhundleni salowo ofuna ukucela imali mboleko, izinzuzo ongazithola zihluke kakhulu. Ngeke bahlangane ngalutho nalabo ababolekisa ngemali futhi yingakho umbono wabo uzohluka ngokuphelele kunayo yonke imibono. Noma kunjalo, lezi ngezinye zezinzuzo eziyolethwa yisidingo salolu hlobo lwezezimali.

  1. Ungathola isikweletu wena izikhungo zezikweletu zenqabile nezinye izinkampani ngezizathu eziningi. Ngaphezu kwalokho, izidingo zokufinyelela kulo mkhiqizo okhethekile azifuneki njengasesimweni esedlule.
  2. Izimali zingaphumela kuwe eshibhile ngoba kujwayelekile ukuthi elinye iqembu likubuze ngenzalo esondele ku-5% noma ku-6%. Kunoma ikuphi, kuncintisana kakhulu kunalokho okunikezwa ngamabhange. Ngaphandle kokukhokha amakhomishini nezinye izindleko zemvume yawo.
  3. Ngakolunye uhlangothi, unokunikezwa okubanzi lapho khetha umbolekisi wakho. Mhlawumbe ngomehluko obaluleke kakhulu phakathi kwabo, kufaka phakathi amanani wenzalo abazokucela ukuthi wenze umsebenzi ube semthethweni. Ukufika ezingeni lokuthi kufanele uhlaziye iziphakamiso zezimali ohlongozwayo kuwe kusukela manje kuqhubeke.
  4. La umehluko Mayelana nolayini wesikweletu obhaliswe ebhange, ungafinyelela ku-25% noma nangaphezulu kwezinye izimo. Ngale ndlela, ungonga imali ukuze uzinikeze izikweletu ezinyangeni ezizayo noma ngonyaka.

Kuphela uma kudingeka

Kuyisu elingasebenza kakhulu lapho ubhekene nalo ukuphuthuma kwempahla ku-akhawunti yakho yokuhlola. Njengomphumela wesikweletu kubantu besithathu, izindleko ezingalindelekile noma esinye isimo esidinga ukunikezwa kwemali engxenyeni yakho. Ngale ndlela, isikweletu phakathi kwabantu kungakusiza ukuthi uphume ezinkingeni ezingaphezu kwesisodwa ngesikhathi esithile sempilo yakho.

Ekugcineni, kufanele kuqashelwe ukuthi le ndlela yokunikeza imali mboleko ilusizo kuphela ezimweni ezinesidingo esibi kakhulu. Akudingeki ukuthi uye kubo ngaphandle kwesizathu ngoba ekugcineni kosuku kuzofanele ulibuyise bese ukhokha uchungechunge lwezintshisekelo. Vele, ukusetshenziswa kwemali mboleko phakathi kwabantu kuphezulu kakhulu, noma kunikeza nemikhawulo eminingi ekunikezelweni kwayo. Akusizi ngalutho, kufanele ulwe neqiniso lokuthi ngale modeli izinga lakho lesikweletu lizokwenyuka. Njengakumakhredithi anikezwe ngamabhange. Ungakhohlwa uma ungafuni ukungathandi.


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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.