Lezi zimali zivumela amaklayenti ukuthi asizakale ngamakhono okukhula anikezwa yimakethe yamasheya, ngaphandle kokubeka engcupheni izimpahla zawo. Ukwazi ukuthola ezimweni eziningi ukuvuselelwa ngokukhetha okuningi kwemikhiqizo ngokususelwa kunoma imuphi umakethe yezimali, kokubili kuzwelonke nakwamanye amazwe futhi, lapho abasafufusa begqama khona ngobusha babo. Le enye inketho onayo yokutshala imali oyilondolozile ezimakethe zamasheya.
Kunoma yiziphi izimo, ezinye izindlela zokukhetha isikhwama salezi zici zibanzi kakhulu, kusukela kulezo ezisuselwe ezimakethe ezisafufusayo kuya kulezo ezibeka utshalomali lwazo ezimakethe zomhlaba ezisikisela kakhulu umzuzu ngamunye njenge ENyakatho Melika, eYurophu noma eJapane, ngokunengqondo sidlula kulabo bobuzwe. Akunamkhawulo ngokuvela kwayo ngoba izinkampani zabaphathi zenze amamodeli anhlobonhlobo analezi zici. Ngisho nezindawo zokuqala ongazicabanga, njengezikhwama zase-Afrika.
Bangabhaliswa kusuka kuma-euro angama-500, kepha into ebaluleke kakhulu okufanele ibhekwe ukuthi - ngokungafani nokutshala imali ngqo emakethe yamasheya- banesikhathi esiphansi esiphakanyisiwe sokuhlala unomphela esingakhushulwa kufika eminyakeni emi-3 noma engu-8, okuyisigaba salo lotshalomali oluqondiswe esikhathini esimaphakathi nesikhathi eside. Kuyindlela ephumelela kakhulu yokutshala imali kulezi zimpahla zezimali ngaphandle kokuya ngqo emakethe yamasheya. Ngomkhiqizo wezezimali ongahlanganiswa nolunye uchungechunge lwezimpahla zezezimali zemvelo nesimo esithile.
Izimali zotshalomali ezimakethe zamasheya: zivuna
Enye yeminikelo eyinhloko yezimali ezihlangene emakethe yamasheya ukuthi akudingeki ukhathazeke ngokuqapha kwabo ukugcina isikhathi ngoba akuyona imisebenzi yokuqagela. Uma kungenjalo, kunalokho, badinga imigomo ephakeme yesiphetho, phakathi kweminyaka emi-2 nengu-5 cishe. Yize kuyiqiniso futhi ukuthi ungawakhansela nganoma yisiphi isikhathi ngaphandle kokusebenzisa i- noma yiluphi uhlobo lwamakhomishini noma izinhlawulo, njengoba nje kwenzeka kwezinye izinhlobo zemikhiqizo yezezimali. Ngalo mqondo, kungashiwo ukuthi sibhekene nemodeli yomkhiqizo noma yokutshala imali eguquguquka kalula kunabanye.
Ngenkathi ngakolunye uhlangothi, lesi sigaba semali yotshalomali sibonakala ngaphezu kwakho konke ngoba asitshali imali yakho kunani laso kuphela noma enkombeni yesitoko. Uma kungenjalo ngebhasikidi lalezi zimpahla zezezimali futhi lokho kukusiza ukuthi uvikele futhi ulondoloze imali oyitshalile kusukela ekuqaleni. Futhi, ngeke ukhohlwe ukuthi okwakhe ukuziphatha okungcono Kungenxa yeminyaka eminingana, ngakho-ke ayifanele ukusebenza okufushane. Hhayi kancane. Kudinga ukuthi ukutshalwa kwezimali kuxazululwe izinyanga ezimbalwa ukuze inzuzo yayo ibe yilokho okufunwa ngabatshalizimali abancane nabaphakathi.
Izinga elihle lokuthengiswa kwemali
Enye yezinzuzo ezinkulu zokutshala imali kwizimali ezihlanganyele ukutholakala kwazo, ngoba yize iningi lazo linesikhathi esiphansi esiphakanyisiwe sokuhlala unomphela, kuyinto ejwayelekile ukuthi noma ngubani okuqashile angaba nemali etshalwe imali ngokushesha, Umnqamulajuqu wamahora angama-24 no-72, njengoba kushiwo ngumthetho futhi, kuya ngohlobo lwegama. Futhi bahlukaniswa ukwehlukahlukana kwabo, ngoba iminikelo eyenziwe yikhasimende yengezwa yilabo babanye abatshalizimali abebenombono ofanayo nabanomthelela ekwakhiweni kwezinhloko-dolobha ezinkulu ezinomthelela ekwenzeni ngcono ukwehlukaniswa kwezimali.
Esinye isici okufanele sihlolwe ukuphepha njengoba amabhizinisi okuphathwa kwesikhwama sokutshala imali egadwa yimigwamanda eqinisekisa ukusebenza kwawo okufanele. Futhi ekugcineni, ukuphathwa ngobungcweti kwezinhlangano zokuphathwa kwesikhwama okubavumela ukuthi benze ukuphathwa okunobungcweti, ukuklama imikhiqizo yomzuzu ngamunye nokuhloselwe iphrofayili ngayinye yokutshala imali, ukugwema umtshali zimali inqubo yokukhetha. Ngalo mqondo, kungashiwo ukuthi izimali zokutshala imali ezisuselwa emakethe yamasheya zingumkhiqizo ophephile nokuthi azikwazi ukukunikeza uchungechunge lwezimanga ezengeziwe ngesikhathi sokuhlala unomphela kumkhiqizo.
Okubi ngalezi zimali
Ngenkathi wenze okuphambene nalokho, ibuye icabange ngochungechunge lwezinkinga okudingeka wazi kusuka manje. Okunye okubaluleke kakhulu yilokho okuphathelene nenzuzo yezimakethe zezimali. Ngamanye amagama, akubandakanyi yonke indawo yenzuzo engakhiqizwa ezimakethe zezimali ngqo. Ngokombono, intshisekelo yakho izokwehla ukwedlula kusukela ekuthengweni nasekuthengisweni kwamasheya ekushintshaneni kwesitoko. Njengakokuphambene, okusho ukuthi, ukulahlekelwa ngeke kubizwe njengokuqhamuka kolunye ukhetho. Ukuba ngenye yezimpawu zalolu hlobo lokutshala imali.
Enye yezici zayo ezifanele, ngomqondo ongemuhle, yilelo elibhekisa kulo amakhomishini angaba banzi kakhulu kunokutshala imali emakethe yamasheya. Phakathi kwezinye izizathu ngoba ayikho ikhomishini eyodwa, kodwa ngokuphambene kuneziningi futhi phakathi kwazo lezo zabaphathi nezediphozi zigqamile, ezingadluli ku-3% futhi kulezi zimo ziyimpoqo. Ngakolunye uhlangothi, kunezinye izimali ezingakhethwa futhi ezingenza umkhiqizo ubize kakhulu phakathi kuka-1% no-3%, yize ngokuvamile uvela ezikhwameni zokutshala ezisekelwe esitokisini ngabaphathi bamazwe omhlaba. Ukuba ngenye yezimpawu zalesi sigaba semali yokutshala imali.
Bahlanganisa izimpahla ezehlukene zezezimali
Enye yezinhlaka ezijwayelekile zalezi zimali zokutshala imali isuselwa eqinisweni lokuthi inikezela ngezimpahla eziningana zezimali ezinezici ezifanayo. Ngokuhlukahluka kokutshalwa kwezimali futhi lokho kungenye yamaphoyinti okubhekiswa kuwo ukuze ukuqonde kangcono kusukela manje. Njenge- ukusebenza okungcono ezimweni ezingezinhle neze ezimakethe zezimali. Lapho inzuzo yangempela kumele iqondiswe eminyakeni eminingana ezayo, futhi lokhu kuyisici esivame ukudukisa ingxenye enhle yabaphethe le mikhiqizo yezezimali, ngoba ukubalwa kwayo kwangempela kuyinkimbinkimbi kakhulu esigabeni sokuhlala unomphela kwalesi sigaba sezimali zokutshala imali. .
Ngakolunye uhlangothi, enye yezinto ezingezinhle kakhulu yileso esihlobene nezikhathi ezithile lapho bethatha izikhundla ezimpahleni zezezimali ezingaziwa kakhulu ngabatshalizimali abancane nabaphakathi. Kusukela kule ndlela ekutshalweni kwesitoko, kufanele kuqashelwe ukuthi ngalesi sikhathi lezi zimali zingathathwa njenge- inketho yokulondoloza kakhulu eguqulelwa kuwo wonke amaphrofayili womsebenzisi. Ngaphandle kokuthi unikeze izimo ezikhethekile ezingeni labo lokufunda. Njengenye into eyihlukanisa nemikhiqizo yezezimali enobudlova.
Ukwehlukaniswa kwemali
Omunye wemiphumela edalwe yileli banga lesikhwama sokutshala imali ukuthi bahlukanisa imisebenzi ezimakethe zezimali. Ngoba empeleni, kuyindlela yokonga ukonga ngaphezulu kolunye uchungechunge lwezinto zobuchwepheshe. Lapho kuphawuleka khona ukuthi lokhu kuhlukahluka okwenza ukuthi ungalahlekelwa yimali kwimpahla eyodwa yezimali. Kuyisu lokutshala imali elihle kakhulu ezimeni ezingezinhle ezimakethe zezimali. Phakathi kwezinye izizathu ngoba zizokusiza ukufeza izinhloso ezilandelwa ngabatshalizimali abancane nabaphakathi.
Kulesi simo jikelele, akukho okungcono ukwedlula ukusabalalisa imali yakho kumasheya ahlukahlukene, imikhakha noma izinkomba zokuhwebelana kwamasheya emhlabeni jikelele. Ngemvelaphi evela ezindaweni ezahlukahlukene, kusuka kwezendabuko kakhulu noma ezijwayelekile kuya kwezinye izimakethe ezingase zingaziwa kuwe kusuka manje. Ngoba okubandakanyekile ekugcineni ukuthi akuyona yonke imali efakwa endaweni eyodwa. Akumangalisi ukuthi lokhu kungenye yezimpawu eziyinhloko zezimali zokutshala imali ezethula lolu phawu olukhethekile. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu. Nansi imfihlo yaleli su lokutshala imali.
Ngenkathi ekugcineni, kufanele ukhethe kuphela imodeli yesikhwama evumelana kahle nephrofayili yakho njengomtshali-zimali omncane naphakathi. Kusukela ngaleso sikhathi kuqhubeke, zama ukwenza imali etshalomali inenzuzo ngeziqinisekiso zokuphepha eziphezulu futhi, uma kungenzeka, ngenzuzo ebaluleke ngaphezu kokulondoloziwe. Ngalo mqondo, kungashiwo ngaphandle kokwesaba ukuthi kuzolunga ukuthi le mikhiqizo yezezimali yilezi zikhathi zokuqina ezimakethe zezimali, kepha uma nganoma yisiphi isizathu ungafuni ukuzibeka engcupheni, ngeke ube nokukhetha ngaphandle kokukuhlanganisa nezinye izimpahla ezivela emalini engenayo engaguquki. Kulokho okuyizimali zokutshala imali zohlobo lobuchwepheshe futhi kungenye yezinketho ongazisebenzisa kusukela ngaleso sikhathi nangobungozi obuncane ekusebenzeni.