Amakhredithi okutshala: aqukethe ini?

Amakhredithi okutshalwa kwezimali: isisombululo sokulahlekelwa emakethe yamasheyaUkutshala imali kunoma iyiphi izimakethe zezezimaliKokubili ezindaweni zikazwelonke nakwamanye amazwe, ayikho enye imfuneko ngaphandle kokuba nemali edingekayo futhi ebalulekile ukwenza imisebenzi. Kuleli qiniso, ezinye izici ezingabalulekanga kangako, kepha ezingaxazululwa kalula, zizongezwa. Ngakolunye uhlangothi, ube nokufunda okudingekayo ukuthuthukisa ama-oda wokuthenga ngempumelelo enkulu. Ngakolunye uhlangothi, yiba nesineke esidingekayo, uma kwenzeka izinto zingahambi ngendlela obuhlele ngayo ekuqaleni. Kusukela kulezi zici, azisekho izibopho zomtshali zimali omuhle.

Ukugxila kuphela kwisici semali sokutshalwa kwemali, impela uzwile othile osondelene nawe, qinisekisa lokho Awukwazi ukutshala imali ngoba awunayo imali oyongile ukuze ugcwalise isifiso sakho osifunayo sokwenza izimpahla zakho zizuze.. Futhi bazoba mbalwa, labo, ababanjwe ukuthengwa kwabo (ngeshwa), abangakwazi ukuwathengisa njengoba kukude kakhulu namanani ngenxa yalokhu kuhamba. Futhi-ke, yenza ukuthengiselana okusha ezimakethe zezimali, ikakhulukazi ukuthola imali elahlekile enqwabelene. Akumangalisi ukuthi bazoba yingxenye enhle yabatshalizimali abancane nabaphakathi abanenkinga yokuxhasa ukungena kwabo ezimakethe zamasheya.

Ukuvimbela lezi zinto ukuthi zenzeke, futhi yize kujwayelekile, amanye amabhange akhethe ukunikeza amaklayenti awo iziteshi ezikhetheke kakhulu zezimali, futhi uqobo lwayo maqondana nohlobo lwesiphetho sayo. Akuzona ezinye ngaphandle kwemali ebolekelwe ukutshalwa kwezimali, futhi eyenziwe yinqwaba yezikhungo zezezimali ukuzithengisa kumakhasimende abo amakhulu, ikakhulukazi abucayi kakhulu ukuthuthukisa le misebenzi.

Ngokwalo mbono, lezi zimali mboleko ezikhethekile zingaba nokuya kokuphindwe kabili, hhayi ngaphandle kwenzalo yabamukeli. Ngakolunye uhlangothi, ukuba nezimali ezidingekayo, ngaphandle kokutshalwa kwemali okumele kuthengiswe (imakethe yamasheya, izimali zokutshala imali, kanye neminye imikhiqizo yezezimali), njengomphumela womsebenzi omubi oholela ekulahlekelweni ukufakwa kuphothifoliyo yokutshalwa kwezimali kwalabo abafaka izicelo zalo mkhiqizo ngezimali. Ngakolunye uhlangothi, ukuba nemali edingekayo yokuthuthukisa ama-oda wokuthenga, ngaphandle kokuya ngebhalansi ye-akhawunti yakho yokuhlola.

Ungathengisi utshalomali lwakho

Uma ulahlekile emakethe yamasheya, imalimboleko ingasiza ekugcinweni kwemali Esinye sezimo ezivame kakhulu kulawa maklayenti, futhi lapho ungacwiliswa khona, ukuthi iphothifoliyo yakho yezokuphepha ikhubazekile, futhi awukwazi (noma kufanele) ukuthengisa izibambiso zabo ngaphansi kwezintengo zamanje ezibekwe izimakethe zezezimali. Njengoba zizokwenziwa ngokusemthethweni ngebhalansi engemihle kubhalansi yokugcina, okuthi kwezinye izimo kube nzima kakhulu, noma kube nokulahlekelwa okukhulu emalini etshaliwe.

Ukuze ungadingi ukuthengisa okuphelele noma okuyingxenye, kulezi zimo ezimbi kakhulu, lolu hlobo lwesikweletu selusetshenzisiwe. Kuwusizo kakhulu ukugwema lezi zimo, nalokho bazokuvumela ngokuphepha okuphelele ukuthi uqhubeke namanani anenkontileka, ngenkathi ukwazi ukuhlinzeka ngemali eyanele ukubhekana nezindleko ezidingeka kakhulu empilweni yakho yansuku zonke (izikweletu zasekhaya, isikole sezingane, imali yerenti yendlu yakho, njll.).

Futhi, uzokwazi ukuthola ukwanda kwemigomo yokuvala ukusebenza, ngenkathi uzama ukwenza intengo yamasheya akho ikhuphuke ezinyangeni ezizayo, noma eminyakeni. Futhi okungenani bafinyelela amanani abo okuthenga, ukuwathengisa ngokuqinisekile futhi uzinikele kweminye imisebenzi, kungaba ezimakethe zamasheya, noma mhlawumbe kokunye okunye.

Imali yokwenza imisebenzi

Bobabili abathengi nabathengisi bangafaka isicelo semalimboleko yokutshala imaliEsinye isimo owethulwe sona akusiso esinye ngaphandle kwalapho ungenayo inani elanele lokwenza umsebenzi wokushintshaniswa kwesitoko. Kuyinto ejwayelekile kakhulu kubatshalizimali abathengisayo, njengoba kunjalo ngawe, nokuthi awukwazi ukukuthuthukisa, noma bazodinga umzila oxhasa ngemali ukwenza isikhundla sakho sibe semthethweni ezimakethe zezezimali.

Lawa makhredithi akhethekile azofinyelela umgomo wakho owufisayo, kepha esikhundleni sokukhokha inzalo njalo ngenyanga, okungenzeka kulimaze utshalomali lwakho. Hhayi ngeze, kuzofanele ubheke ukuthi kufanele yini ukuqasha le mikhiqizo yasebhange, futhi lapho izimo zizozuzisa kakhulu izintshisekelo zakho njengesilondolozi. Ngoba ukwenza imvume yakho izuze, ngeke sibe khona esinye isixazululo ngaphandle kokukhulisa ukusebenza okukhipha emakethe yamasheya. Uzodinga amaholo aphakeme ngaphandle kokufuna ukubuyisa ngempumelelo imalimboleko.

Manje sekufika isikhathi sokuhlola ukuthi ngabe kuyakhokha yini ukufuna elinye lamakhredithi anikwe amandla okutshala imali. Izinga lenzalo elisetshenziswe kuwe ngalesi sikhathi lizonqunywa, futhi uma ngabe kuhlanganisa amakhomishini noma ezinye izindleko ekugcinweni noma ekuphathweni kwayo. Futhi ekugcineni, ukuthi ungayilinganisela ngesikhathi esifanele, lokho kukusiza ukuthi uhlangabezane nokulindelwe okwenziwe ukuxazulula izinkinga zakho zokutshala imali.

Izimalimboleko ezinikezwa ngamabhange

Ukunikezwa okwenziwa umkhakha wamabhange kusenele, futhi kunqunyelwe kwiziphakamiso ezimbalwa eziqondile ezenziwe ezinye izikhungo zezikweletu. Noma kunjalo, Uzohlala unensiza yokuqasha imali mboleko ejwayelekile ukuze ubhekane nalezi zimo (okomuntu siqu, ukusetshenziswa ...), akhona ezindleleni zokuhweba wonke amabhange abekade ethuthuka. Njalo ngaphansi kokunikezwa okunamandla kakhulu, lapho ungathola khona zonke izinhlobo zamakhredithi, ngaphandle kokukhetha, futhi nangokwemvelo ehlukahlukene.

Vele, amakhredithi enzelwe ukutshalwa kwezimali awakunikeli imibandela yenkontileka enomusa, kepha ayafana kakhulu nawezinye iziphakamiso zezimali. Kuphela ukuthi unezikhathi ezithile zokubuya kwayo ezivumelaniswe nezidingo ongazethula ngaso sonke isikhathi. Kepha okunye okunye.

Njengomphumela walezi zici, ukunikezwa kwamabhange kuncishisiwe kwaba iziphakamiso ezimbalwa, ukuthi yebo, kungakusiza ukuphuma ezinkingeni ezingaphezu kweyodwa. Futhi kuzoba lula ukuthi uzihlaziye ukuthola ukuthi ukwenza kwabo ngokusemthethweni kuzoba kuhle yini noma cha. Nguwe kuphela ongakhombisa indlela okufanele uyithathe kulo mcimbi. Futhi ukuhlonipha izintshisekelo zakho njengomtshali-zimali omncane.

Enye yemalimboleko ongayithola emakethe yasebhange yi- Imali mboleko yokutshalwa kwemali enikezwa yiBankia ngalezi zikhathi ezikhethekile. Akuyona imodeli yezezimali emile, kepha ngokuphambene nalokho, ungakhetha phakathi kwezinga lenzalo elingaguquki noma okunye okuguqukayo, ngokuya ngezintshisekelo zakho, nokuthi ufuna ukuhambisa kanjani ukusebenza kwebhange. Ngaphezu kwalokho, unganweba ukukhokhiswa kwayo ngohlelo lwezitolimende zanyanga zonke ezingafika ku-14 ngonyaka. Ngokuqinisekile kuzokusiza ukuthi ukhokhe imali encane njalo ngonyaka, yize izindleko zomsebenzi zizohlala zifana njalo.

Akusona ukuphela kwesiphakamiso onaso ngaphambi kwakho, kepha iDeutsche Bank ilungiselele enye indlela ngaphansi kwalezi zici ezifanayo. Futhi lokho kukhonza ihlelo elifanayo, njenge-Investment Loan. Kwenziwa ngaphansi kwesilinganiso senzalo sokuncintisana kakhulu kunakwamanye amakhredithi, ukuze ukwazi ukwenza umsebenzi ube semthethweni ngokuqinisekiswa okukhulu. Kunoma ikuphi, nesikhathi eside sokukhokha, ngokuya ngokuvuthwa kotshalo-mali lwakho, futhi okungafinyelela eminyakeni eyishumi.

Amanye amabhizinisi, ngakolunye uhlangothi, agxila kakhulu ekunikezeni amaklayenti awo ezinye izindlela ezingacacisiwe zezimali, ezimakethwa njenge Amakhredithi Wesiqinisekiso Sotshalomali. Futhi banenhloso ethile, okungeyona enye ngaphandle kokukuvimbela ekuthengiseni kabi izikhundla zakho zokulingana. Zilawulwa ngaphansi kwezimo ezicishe zifane neziphakamiso zangaphambilini, futhi akukho mahluko esigatshaneni ozodinga ukusisayina uma wamukela lezi ziphakamiso.

Izeluleko eziyisikhombisa ngaphambi kokuqashwa kwakho

amasu wabatshalizimali ngaphambi kokunikezwa okukodwa kwalawa makhredithiUma ukhetha noma yimiphi imithombo yezimali enikwe amandla uhlelo lwebhange, kungakuhle kakhulu ukuthi uzindle ngochungechunge lokhiye abasebenziseka kakhulu ukwazi ukuthi umsebenzi uzokuzuzisa yini. Futhi ikakhulukazi uma kulula kuwe ukuthi usayine inkontileka, futhi ngaphansi kwaziphi izimo. Kungale ndlela kuphela lapho ungakhulisa khona izintshisekelo zakho, ugweme isimanga esingesihle neze.

Ukwenziwa ngokusemthethweni kwanoma iyiphi yalezi zikweletu kuzodingeka ukuthi kuthuthukiswe kuphela lapho ikunxephezela ngokuzuza kwemali etholwe ngotshalomali lwakho. Futhi lapho kuzodingeka wenze izinombolo eziningi futhi uhlole ukusebenza kwesilinganiso.

  • Ukukhetha kwakho emalimboleko kufanele kugxile kumkhiqizo oveza isilinganiso senzalo sokuncintisana kakhulu, futhi kunjalo ikhululiwe kumakhomishini noma ezinye izindleko ekuphathweni kwayo (ukutadisha, ukuvulwa, ukukhanselwa ngaphambi kwesikhathi, njll.).
  • Kufanele ucele kuphela inani elidingekayo ukumboza le misebenzi, ngaphandle kokudlula izilinganiso eziphakeme ozonikezwa zona yibhange lakho.
  • Kulula ukuthi ufunde isifundo esinikezwa ngamabhange, ngoba impela uzosithola isiphakamiso esenziwe ngezimo ezingcono, futhi ikakhulukazi ngezintshisekelo eziphansi.
  • Uma ukhetha noma iyiphi yalezi mboleko, qiniseka ukuthi ungenza izinkokhelo zakho zisebenze, noma okungenani, ukuthi ngeke uwele ezingeni lesikweletu okungenzeka ukuthi iphakethe lakho alikwazi ukulixhasa esikhathini esimaphakathi nesikhathi eside.
  • Uma unezinye izimali mboleko (noma imali ebanjisiwe), lesi sidingo ngeke sibe yisixazululo esihle. Ngaphandle kokuthi ube nemali engenayo ephezulu yenyanga okufanele ube nesibopho ngayo kulo msebenzi.
  • Zama ukukhipha ezinye izindlela ukufuna imali, okungcono phakathi kwabangane nomndeni, ukuze ukubuya kwayo kube nenzuzo ethe xaxa. Noma noma kusengaphambili kwamaholo athile, ngaphandle kwenzalo.
  • Zama ngazo zonke izindlela uku funa isikhathi sokubuyela esifushane ngangokunokwenzeka, ngoba awazi ukuthi kuzokwenzekani kuwe kusasa (ukungasebenzi, ukugula, njll.).

 


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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.