Izimalimboleko ezincane ezivela kuzingxenyekazi zezezimali

Amapulatifomu ezezimali ahlinzeka ngemalimboleko emincane kumakhasimende aboAmapulatifomu wezezimali aku-inthanethi asekela ukunikezwa kwemikhiqizo yabo ngochungechunge lwemalimboleko encane, encane, okuyi bakunikeza phakathi kwama-euro angama-50 kuya kwangama-800. Kepha ubusha balesi siphakamiso esiyingqayizivele busezimeni zenkontileka ozothola lapho usayina inkontileka, kude kakhulu nalezo ezinikezwa ngamabhange. Akumangalisi ukuthi ukuvumelana kwayo kucishe kube khona ngokushesha, emahoreni ambalwa kusukela esicelweni sayo, nangenqubo eyenziwe ngokuphelele online. Futhi lokho ungakwenza nganoma yisiphi isikhathi, noma ngezimpelasonto.

Kepha uma ngesici esithile kudingekile ukuthi uchaze lo mzila okhethekile wezezimali, kungenxa yokuthi uzokwazi ukufinyelela kumalimboleko. Izinqubo zalo zokuphatha zincane, futhi lapho isiphakamiso saso esivelele kunazo zonke yilokho Ngeke kudingeke ukuthi unikele ngeholo ukuze usizakale ezimweni zalo, noma izincomo ezivela kwabanye abantu, njengoba kujwayele ukwenzeka emalimboleko asebhange. Kwezinye izimo, uhlelo lwakho lokusebenza luzokwamukelwa ngisho noma uyingxenye yohlu lwabakhokhi (ASNEF, RAI ...).

Nokho, bazokudinga imali engenayo ukuze uphendule ngokwamukelwa komsebenzi, futhi esimweni sokugcina, unganikeza ngesiqinisekiso sakho ngempahla oyithengile (imoto, ikhaya, igalaji, njll.). Lokhu kunikezwa kuzoba semthethweni, noma ngabe ungowesizwe saseSpain, noma uma uvela kwezinye izindawo.

Njengomphumela walokhu, uzobe ubhekene nezimalimboleko ezithile ezincane ezingaxazulula inkinga ethile yokushoda kwemali ku-akhawunti yakho yokuhlola. Futhi lapho ubhekene nesidingo sokubhekana nezindleko ezincane, ngokuphuthumayo, njengezikweletu zasendlini (amanzi, igesi, ugesi, njll.), isikweletu esinikezwe izinkampani zangaphandle, noma nje ukukhishwa okungalindelekile kubhajethi yakho yomndeni.

Icala lakho lizokubiza malini?

Zonke izindleko zemalimboleko emincaneYimikhiqizo ezuzisa kakhulu izintshisekelo zakho, noma kungenjalo ngaphandle kwezindleko, ezinye zifihlwe ngaphansi kokuphrinta kwazo okuncane. Ngokuvamile amakhomishini awekho kwizivumelwano zawo, ozoqeda ngayo izindleko zalo mqondo.

Kodwa-ke, izimali zabo - okuyindlela 'amapulatifomu abiza ngayo amanani wenzalo abayisebenzisayo - aphezulu kakhulu, ngaphezu kwalawo akhiqizwa ngemali mboleko yasebhange. Ngenjwayelo bayiqembu elingajwayelekile kakhulu elisuka ku-20%, noma kunamamaki adingeka kakhulu. Lesi simo salezi ziteshi zokuxhasa imali sisho ukuthi umzamo wezezimali okufanele uwenze ukuvala ukusebenza unzima kakhulu.

Kepha qaphela kakhulu, ngoba izinkokhelo zakho zingase zibe ngaphezulu uma ungahlangabezani nesikhathi esinqunyiwe sokubuya kwabo. Kulokhu, kuzofanele ubhekane nezinhlawulo okungenzeka zikwenze wabela cishe isigamu semali efunwayo ukukhokha imalimboleko. Ngokwalokhu kubuka, isixazululo sizosuselwa ekuhlaziyweni ngokuningiliziwe isiphakamiso esethulwe kuwe, ekugcineni unqume ukuthi ungasithatha noma cha.

Kusobala ukuthi enye yezikhiye zokugwema ukukweleta okukhulu ngokungenakugwenywa ukuthobela imigomo yokukhokha. Umsebenzi owenziwa ube mubi ngokuwethula ngaphansi kwezikhathi ezimfushane kakhulu zonke. Banesikhathi esiphakathi kwenyanga eyodwa nezimbili. Futhi ukuthi kuziphakamiso zemali encane ziyancishiswa kuze kube yisonto elilodwa. Ukuze ungazitholi sinezigebengu ezizojezisa ama-akhawunti akho, ngeke ube nokhetho ngaphandle kokuqondiswa isiyalo lapho ubuya. Hhayi ngeze, noma ikuphi ukubambezeleka kuzosho ukushiya ama-euro amaningi usendleleni.

Inqubo yemvume yayo, ngakolunye uhlangothi, ilula kakhulu. Uma isicelo sakho samukelwa, uzoba nemali emahoreni ambalwa ku-akhawunti yakho yokuhlola, ngaphandle kokulinda ukwenza ezinye izinqubo zokuphatha. Ukuyisebenzisela noma iyiphi injongo oyibona ifanele, ngoba lolu lwazi ngeke lucelwe nganoma yisiphi isimo. Kusuka ekuthengeni ilaptop, ukukhokhela intela yendlu yakho. Kepha okunye, ngoba amanani ozoklonyeliswa ngawo azohlala enamadijithi amathathu.

Ngezipesheli ezinolaka kakhulu

Kunoma ikuphi, uzothola izimalimboleko ezikhetheke kakhulu, okuyi zinokunikezwa okuningi kokuphromotha ongazuza kukho, ikakhulukazi uma uyikhasimende elisha. Zenzelwe ukudonsa ukunakwa kwabasebenzisi, futhi zinikezwa ngamasu wokuhweba anolaka kakhulu ahlose ukudonsa ukunaka kwamakhasimende angaba khona. Okokuqala, okuvame kakhulu isimemo sokungakhokhi inzalo, ukuze ubuyise kuphela inani elifunwayo, ngaphandle kwezindleko ezengeziwe.

Kodwa-ke, le misebenzi izodinga ukufunwa ngaphansi kwamanani aphansi okunikezwayo, ngokuvamile kuze kufike kuma-euro angama-300. Izosebenza kuphela ekusebenzeni kwakho kokuqala nepulatifomu, ukuze kamuva wenze imali ibe semthethweni ngaphansi kwezimo ezijwayelekile ekuqashweni kwakho.

Elinye isu elisetshenziswa ababolekisi be-inthanethi ukukhetha i- ukukhokha okusheshayo, kahle ngaphakathi kwamasonto ambalwa. Futhi okukuvumela, ukuthi uthole amanani enzalo ancintisana kakhulu ekunikezelweni kwabo, noma ngabe kungenzeka ukwehliswa ngo-20%.

Elinye isu elisetshenziswa ababolekisi lisuselwa ekwethembekeni komkhiqizo.. Ukuze ngaphandle kokukwazi ukuheha amakhasimende amasha, zombili izinhlangano zingazuza. Ngakolunye uhlangothi, endala enebhonasi ebalulekile emalimboleko. Ngakolunye uhlangothi, ukudluliselwa kuzokuthola okokuqala kungabi nenzalo, okungukuthi, ku-0%. Futhi ngethuba lokuphinda usebenze kaningi ngangokunokwenzeka. Ukufaka isicelo, kuleli cala, isu lokukhangisa elijwayelekile kakhulu elisuselwa kweminye imikhakha yezohwebo, kepha kuze kube manje lingakafiki esigabeni sezimali esizimele, ingasaphathwa eyasebhange.

Kufanele ubamangalele nini?

Isidingo sakho singahle sithandeke ezimweni ezithileAkungabazeki ukuthi lawa makhredithi amancane angenye yezindlela ongazisebenzisa ngesikhathi sokushoda kwemali kuma-akhawunti akho. Kepha akulungile ukubahlukumeza, ingasaphathwa eyokubaqasha ngokungadingekile. Ezimweni ezithile kuphela, ukusetshenziswa kwayo kungakukhipha kunoma iyiphi inkinga yezezimali obhekene nayo. Ukuphela kwendlela yokuphuma ezinkingeni zakho zezezimali kuzoba ukuqasha owodwa wale mikhiqizo wezezimali.

Kungale ndlela kuphela lapho uzokugwema ukuwela ezimweni ezingaba yinkinga empilweni yakho, uze ufinyelele nasezimweni ezingathandeki kakhulu ezintweni ozithandayo. Uma ufuna ukuwasebenzisa ngokunengqondo, ngeke ube nokunye ongakwenza ngaphandle kokubheka lezi zimo ezilandelayo lapho ukusayinwa kwalesi sivumelwano kungakusiza khona.

Nini, nganoma yisiphi isizathu, unqatshelwe ukufinyelela emithonjeni yendabuko yezezimali, noma awukwazi ukunikela ngqo kwiholo, noma okungenani imali engenayo ejwayelekile. Uma ufakiwe kuhlu lwama-defaulters lokho kukuvimbela ekwenzeni lo msebenzi nganoma yiliphi ibhange noma ezinye izinhlangano zezezimali. Kulokhu, okuwukuphela kwendlela yokuphuma enkingeni yakho yokuqokwa kwemali kuzoqala ngesicelo senye yalezi mboleko, ukuphuma endleleni.

Ezimweni lapho ukufunwa kwakho kudinga inqubo esheshayo nenqumayo, futhi ungaba nemalimboleko cishe ngaso leso sikhathi. Impela, ngokunikezwa okuvela emabhange ngeke ukwazi ukukwenza ngaphansi kwalezi zici, kepha kuzodinga ukubekezela okuningi kuze kube yimvume yabo yokugcina.

Njengoba ziyimali encane kanjena, kungenzeka ukuthi ibhange lakho elijwayelekile alinasibopho sokuzikhangisa, futhi okuwukuphela kwento ongayithola kungokunye kwalezi zingxenyekazi zezezimali. Uma kungokokuqala ubacela, kusukela Uzokwazi ukusizakala ngokungapheli kokunikezwa kwephromoshini okusiza ukuthi wehlise, noma ususe ngisho izintshisekelo ezisebenza kulezi ziteshi zezezimali.

Izinkinobho eziyisishiyagalombili zokugwema ukubuyela emuva

Izincomo zokwenza lezi mboleko zinenzuzo enkuluNjengoba ziyizimalimboleko ezinesici, ikakhulukazi ezisuselwa kumsuka wabanikezeli bazo, kuzodingeka uqaphele kakhulu kwinqubo yabo yokwenza izinto ngokusemthethweni uma ungafuni ukuthola isimanga esingajabulisi lapho uvala ukusebenza. Ngokuqinisekile bazokusiza ukuthi uphume ngokushesha okungaphezu kokukodwa.

Kepha noma yikuphi ukwephulwa kwesivumelwano, noma ukukhohlwa nje kwanoma iziphi izigaba zaso kungadala inkinga, futhi uze ukhokhe imali eningi kunokulindelekile ekuqaleni. Ukugwema lezi zigameko, kuzobaluleke kakhulu futhi kube wusizo ukuthi unake izeluleko ezilandelayo esikudalula kuzo kule ndatshana.

  • Qiniseka ngenani lenzalo elizosetshenziswa kuwe ngaphambi kokusayina inkontileka, futhi uma ngabe kuhlanganisa noma yiluphi uhlobo lwenhlawulo nenani laso ngqo.
  • Uma kungokokuqala ukuthi usebenzise ipulatifomu yezezimali, thola ngamaphromoshini abandakanya lesi sigaba samakhasimende, ngoba ungathola ngisho nokukhululeka, okungukuthi, ngaphandle kwenzalo.
  • Uma ungakwazi ukuyibuyisa ngokushesha, kuzoba ngcono ukungayiqashi, ngoba impela izimo zayo zikhulu kakhulu futhi kufanele ukhokhe imali eningi kunalokho obekucatshangwa ekuqaleni komsebenzi.
  • Njengoba ziyimali encane, ngaphansi kwama-euro angama-800, kufanele usebenzise yonke eminye imithombo yezimali evuna izintshisekelo zakho. Ungamangalela izihlobo zakho, ukhethe ukubolekwa kwemali phakathi kwabantu, noma mhlawumbe ukwenze kube semthethweni ngokukhokha kwakho njengecebo lokukuthola ngezimo ezingcono.
  • Zama ukuya kumbolekisi ngubani ikunikeze ukuguquguquka okuthe xaxa ngokuya ngezimo, ukuze ungabi namandla kakhulu ngezikhathi ezibekiwe ukuthi bakunikeza lezi zimali mboleko ezincane. Noma yisiphi isiliphu ungasikhokha kakhulu.
  • Funda ukuphrinta okuhle kwenkontileka ngokucophelela, ngoba ingaqukatha isigatshana esihlukumezayo esingathinta izindleko ezingeziwe zokuqashwa kwaso.
  • Iziphakamiso eziningi ezinikezwa amapulatifomu aku-inthanethi ziyefana kakhulu, kepha mhlawumbe umehluko omncane ezimweni zayo kungaba yimbangela yokuthi uyikhethe.
  • Futhi ekugcineni, khumbula ukuthi imali mboleko kuzofanele ikhokhwe, futhi Uma ungeke ukwazi ukuyiphendulela, kungcono ufune ezinye izindlela, ngisho ezinye zazo ezasekuqaleni.

Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

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.

  1.   sergio kusho

    yizimalimboleko ze-udura