Ungayikhetha kanjani imali mboleko enhle?

ukuthenga impahla

Ukwenziwa ngokusemthethweni kwempahla ebolekiwe kungumsebenzi obaluleke kakhulu ezithakazelweni zabasebenzisi bebhange. Akumangalisi ukuthi kunama-euro amaningi asengcupheni lapho kubhaliswa lo mkhiqizo wezezimali. Noma kunjalo, ngenxa ye- ukunikezwa okuqhubekayo amabhange abekade ethuthuka ungabaqasha ngezimo ezingcono. Ukuze ngale ndlela ugcine ingxenye yemali yakho kulezi ukusebenza. Kunamasu amaningi ongawasebenzisa ukukhetha imali mboleko enhle emakethe ngalesi sikhathi. Ngabe uzimisele ukwamukela le nselelo?

Imalimboleko yempahla ebanjiswayo idinga enye yezinkokhelo ezinkulu kakhulu okufanele ubhekane nazo nebhange lakho. Imvamisa ngenhla kwama-euro ayi-100.000 nangaphansi kwemigomo emide kakhulu yokukhokha engahlala cishe impilo yakho yonke. Lezi zimpawu zikhomba ukuthi usebenzisana nomkhiqizo wasebhange ofanele ukunakwa nokuthi kufanele wenze inkontileka ibe semthethweni kuphela lapho usesimweni esidingekayo ukuyibuyisela ngaphakathi kwemigomo okuvunyelwene ngayo.

Manje njengoba usukhona ngokuchofoza okukodwa ekubanjweni kwemali yakho, sizokwethula uchungechunge lwemikhombandlela ezokusiza ukuthi ube nesibambiso esinezimo ezingcono zokuthola izinkontileka. Ngeke kube nzima kakhulu ukufaka isicelo ngenxa yokuguquguquka okuphezulu kwale modeli yezezimali ebikade iyigcina eminyakeni yamuva. Kufinyelela ezingeni lapho ungafinyelela khona uchungechunge lwe okunikezwayo nokuphromotha ukuthi kuze kube yizinyanga ezimbalwa ezedlule bekungacabangi ukuthi ungabathola.

Ishibhile imali

Ukuqonda ngokwengeziwe inqubo eyenziwa yimali mboleko eSpain, ngeke kube khona okunye ongakwenza ngaphandle kokubhekisa ku- inqubomgomo yezimali ngabaphathi bezomnotho be-European Union, futhi ikakhulukazi i-European Central Bank (ECB). Njengomphumela wenhlekelele yezomnotho izwekazi elidala elihlupheke ngayo, nemiphumela yayo iqhubeka nanamuhla, asikho esinye isisombululo ngaphandle kokwehlisa intengo yemali.

Ngoba empeleni, iziphathimandla zezimali zomphakathi silethe intengo yemali endaweni ye-euro ku-0%, umlando wayo uphansi. Kumcimbi ongakaze ubonwe. Ngokwenzayo kusho ukuthi inani lemali kule ndawo liyiziro. Ngakho-ke kuthinta kanjani imali ebanjwayo? Yebo, kulula kakhulu, ukuze sikwazi ukuzivumelanisa neqiniso lezimakethe zezezimali, kufanele sinciphise ukusabalala kwalo. Ngale ndlela, ungazuza emalimboleko ashibhile njengomphumela wokuncipha kwala maphesenti alinganisa lokho okufanele ukhokhe ngokubambisa kwakho.

Kukhona nochungechunge lwamasu wokuhweba, acishe abe nolaka, asetshenziswa amabhange ukumaketha imikhiqizo yawo futhi akusizayo ukhokhe imali ebiza kakhulu ngenyanga kunangaphambili. Ngokwehliswa okuhlukile futhi kumakhomishini nakwezinye izindleko zokuphathwa noma ukunakekelwa kwabo, noma kususwe ngokuphelele ezimeni zabo zenkontileka. Kulesi simo esivamile, kungashiwo ukuthi manje sekulungele ukukhipha isikweletu semali mboleko. Okungenani ngaphezu kwezinyanga ezimbalwa ezedlule, futhi kunjalo maqondana neminyaka edlule.

Imali mboleko: ukwehliswa kokusakazeka

kubanjiswa ngempahla ebanjiswayo

Isici sokuqala esizokusiza ukuthi uthuthukise izimo zalo mzila okhethekile wesikweletu ukuthi manje usubhekene nokusabalala okuncintisana okuningi. Yize ezinkathini ezedlule bekungokwesiko ukubaqasha cishe ku-2%, noma kunamamaki aphezulu, manje akusenjalo. Ingxenye enhle yeziphakamiso zezinhlangano zezezimali yilezi ukunikela ngaphansi kwesithiyo esingu-1%, okuwumthombo obalulekile wokonga uma kuqhathaniswa namamodeli wangaphambilini wezezimali zezindlu.

Eqinisweni, kuliwa impi ethile phakathi kwamabhange ukuze ibonwe ngubani owenza imali mboleko yempahla ebiza kakhulu emkhakheni. Leli khono lizuzisa izintshisekelo zakho nezabo bonke abasebenzisi. Ngoba ngenxa yalokho, iziphakamiso ezingcono ziyathuthukiswa kulesigaba semikhiqizo yasebhange. Ngaphandle kokuyeka noma yikuphi ukuvumelana. Kungakuhle nokuboleka ngaphansi kwale mibandela ebekwe izimakethe.

I-ING Direct neLiberbank ngezinye zezinto ebezinikela ngalezi zinhlinzeko kumakhasimende ayo amakhulu. Ngeziphakamiso ezinolaka kakhulu ezikhiqizwa kusukela ekuqaleni ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma ezinye izindleko ezingeziwe. Lesi senzo siholela, ngakolunye uhlangothi, emabhange asele anquma ukwehlisa inzalo yemalimboleko yabo yezindlu. Noma ngokugcina uchungechunge lwezingwegwe ezivusa ukunaka kwabasebenzisi. Kwezinye izimo, ziholela ekwethembekeni okukhulu kwamakhasimende.

I-Euribor engezansi kwesikhathi sonke

Esinye isigameko esizuzisa imisebenzi yakho ukwehla kwebhentshi laseYurophu, elaziwa nge-Euribor. Ngokuya ngemininingwane enikezwe yiNational Institute of Statistics (INE), ixhunywe cishe ku-90% kwezivumelwano ezintsha inzalo eguquguqukayo ephansi ebhaliselwe lolu suku. Ngaphezulu kwezinye izinkomba zabambalwa, noma okungenani ezingakujabuleli ukwethenjwa ngabasebenzisi.

Yebo, ubusha obuhle obuvezwa yi-Euribor ukuthi budlulele endaweni engeyinhle, futhi ngokomlando ukuhweba ngaphansi kuka-0%. Ngemuva kokufinyelela ku-2008% entengo yayo ezimakethe zezimali ngonyaka we-5,384, lapho kwavela khona inkinga yezomnotho. Njengoba ukwazi ukubona ngokushesha, ukwehliswa okukhulu ongakubona ezinyangeni ezimbalwa ezedlule. Uma intengo yemali ingekho, okuthile kuzodingeka kuboniswe kumakhredithi okuthengwa kwekhaya.

Uliqaphela kanjani leli qiniso ngesilinganiso esiyinhloko semali mboleko? Yebo, kuhle kakhulu, ngoba kwezinye izimo uzoba nezinkokhelo ezingafuneki kakhulu zenyanga, kokunye umehluko wokuncintisana. Uzohlala uphuma unqoba noma kunjalo. Kepha lokho ezimweni lapho kunesigaba somthetho khona kuzoba yingozi enkulu ekufezeni inhloso yakho, okungekho okunye ngaphandle kokwenza umkhiqizo oshibhile wasebhange ngokusemthethweni.

Amakhredithi akhululiwe kumakhomishini

imali ebanjiswayo

Esinye isici esihle kakhulu esizokuheha ukuthi ukhethe imali mboleko enhle sizovela kokuqhubekayo ukuqedwa kwamakhomishini nezinye izindleko ekuphathweni kwayo ezitholakala kusukela kumzuzu omuhle izimakethe zezimali ezidlula kuwo zixhunyaniswe nalo mkhiqizo. Futhi isebenza njengethuluzi lengcindezi lokuthi ukhethe lawa amamodeli kunezinye iziphakamiso ngaphandle kwalesi sici. Bazama ukuthatha ukonga kwamakhasimende abo.

Ziyanda amabhange anqume ukusebenzisa leli su lokuhweba. Ngomphumela omuhle kakhulu wesimo se-akhawunti yakho yokuhlola. Ngeke kudingeke ukhokhe i-euro yokuvula, ukutadisha noma imali ekhanseliwe ngokwengxenye noma ephelele. Kuzobiza ama-euro amaningi endleleni lokho ngeke kushiye ama-akhawunti akho. Njengoba uzobona, kancane kancane amathuba okubhalisela imali engaphezulu kwempahla eyamukelekayo ayanda.

Amabhonasi ngokuxhumanisa

Izinsizakusebenza onazo zokuthola isivumelwano semali mboleko enezimo ezingcono aziyeki lapha. Ngoba empeleni, ngokusebenzisa ubudlelwano obusebenzayo nebhange, uzobe usesimweni esihle sokuthola ukwehla kwezinga lenzalo elisetshenziswa kuwe njengamanje. Kuzoba cishe ngamaphesenti ayishumi wephesenti, futhi kulokhu kuzofanele ubhalise eminye yemikhiqizo yabo eyinhloko (izimali zokutshala imali, izinhlelo zempesheni, izinhlelo zokonga, umshuwalense, njll.). Njengoba amamodeli amaningi ebhalisiwe, amamaki ezentengiselwano azokhuphuka, aze afike endaweni eyodwa nengxenye ngaphezu kwezintengo zawo zangempela. Lokhu kuzoba umehluko ozowonga uma ukhetha lawa ma-modeli ukukhokhela ikhaya lakho.

Isu elisha lincike ekubhekaneni neziphakamiso ezenzelwe amaklayenti amasha. Inhloso yabo enkulu ukuheha inani elikhulu amakhasimende, nokuthi laba abayi emncintiswaneni ngokusebenzisa iziphakamiso zabo zezimali. Vele, kungesinye isimo esivulela wena ukuthuthukisa izinhloso zakho zokusayina inkontileka eyanelisa kakhulu yezintshisekelo zakho.

Njengomphumela wazo zonke lezi ziphakamiso, uma ungumuntu osemusha ongaphansi kweminyaka engama-30 uzobuye ube ezimweni ezidingekayo zokuthuthukisa imingcele yezentengiselwano yale mikhiqizo yezentengiso. Cishe iphesenti elilodwa noma amathathu wamaphesenti maqondana namamodeli wendabuko. Ngokuphindisela, awunakukhetha ngaphandle kokunweba isikhathi sokukhokha, futhi mhlawumbe nokuqashwa komshwalense wasekhaya.

Izinzuzo ezingakhiqizwa

izinzuzo ekuqashweni kwakho

Njengoba inani eliceliwe liphakeme, amandla wokonga azokwandiswa ngalezi zenzo zebhange. Ukwazi kwamanye amacala ukukhiqiza ezinye izinzuzo ezingaphezu kokuqagelwa ezizokusiza ukukhokhela ezinye izindleko, kungaba ezomuntu siqu noma ukunakekelwa kwekhaya.

Kunoma ikuphi, ngeke kube yindaba yokusayina imalimboleko yokuqala eza kuwe. Kuzoba yindaba ka uziqhathanise, uzihlaziye bese ukhetha eyodwa elingana kahle nephrofayili oyivezayo njengekhasimende lasebhange. Kuzoba ngumzamo owengeziwe okuzodingeka uwenze ukunciphisa isikweletu salo msebenzi. Futhi uma kungenzeka ngenkathi yokubuyisa engeyinde kakhulu. Akumangalisi ukuthi lena enye indlela ephumelela kakhulu yokwehlisa izindleko zakho eziphelele.

Ukwazi kusengaphambili ukuthi kuyadingeka ukulinda kusukela lapho ukunikezwa okukhethekile nokukhushulwa kuvela kaningi okuncintisana kakhulu. Kuze kube seqophelweni lokuthi ziphinda zenziwe kabusha ngeqiniso elisha lomnotho wezwe. Akusikho ukuqondana nje ukuthi ama-mileuristas nawo angayithola le mikhiqizo ngokubolekwa okuqinile kakhulu okwakhiwa ngamamaki anelisayo. Umphumela wakho konke lokhu ukuthi ukuqashwa kwakho manje kuzoba lusizo kakhulu.


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.