Yini okufanele uyibheke ukuze uthathe imali ozoyibambisa?

isimo sempahla ebanjisiweImali ebanjiswayo ingumkhiqizo wasebhange lapho kuzodingeka uphile khona kanye empilweni yakho. Kuyithuluzi onalo lokuthola ikhaya olithande kakhulu. Futhi ukuthi kuzodinga ukukhishwa okukhulu kuwe, nokuthi ingafinyelela amanani afinyelela kuma-300.000 euros, kuya ngemodeli yempahla ekhethwe ukwenza lo msebenzi nebhange. Uzokudinga ukuthi uzindle ngaye ngokuphoqelekile izimo, ngoba kunama-euro amaningi azobekwa engcupheni.

Izinga lesikweletu ozoba nalo lizobaluleke kakhulu, ngaphezu kwezinye izinhlobo zamakhredithi: okwakho, ukusetshenziswa, njll. Futhi ngakho konke lokhu Kufanele uzamukele kakhudlwana imibandela ibhange elizokubeka yona. ngaphambi kokusayina inkontileka. Bukeza uphinde uhlaziye lo mbhalo ngoba ngemuva kokuwufaka ohlwini, kuzobe sekwephuze kakhulu ukubuyela emuva, futhi akukho okunye ongakwenza ngaphandle kokucabanga yonke imibandela yawo.

Imalimboleko yempahla yendlu ithwala izici eziningi, mhlawumbe ezeqile ezizokugcina usezikweletini iminyaka eminingi, eminingi. Ungafinyelela eminyakeni engama-60 ungawuvalanga umsebenzi. Ngalesi sizathu, kubaluleke kakhulu kuneminye imigqa yezezimali (imalimboleko yomuntu siqu, yokusetshenziswa, noma ukuthengwa kwemoto). Awufuni ukushiya noma yini ibe ngengozi, yiqiniso, uma ungafuni ukuthuthukisa inkinga eminyakeni embalwa ezayo.

Amanani wenzalo azothatha isinqumo

inzalo yemali mboleko Isici sokuqala okufanele usinake kakhulu amazinga wenzalo ibhange elizosebenza ngayo kuwe. Kufanele uthole ukuncintisana ngangokunokwenzeka. Futhi nokuthi ungakuthola ngokungenela eminye imikhiqizo nebhizinisi lakho (umshuwalense, amasu wokonga, izimali zokutshala imali, njll.). Ngale ndlela uzofinyelela ukuthi amama we-intermediation ayi kwehle ngezingxenye ezimbalwa kwezishumi.

Noma kunjalo, isu elihle kakhulu kuzoba ukwenza izinombolo kusibali sakho, futhi ufika esiphethweni sokuthi ungasithatha isikweletu. Ngamanye amagama, ngeke ube nenkinga yokukhokha imali ebanjisiwe. Le nqubo ingathatha izinsuku ezimbalwa, noma ngaphezulu kunesidingo. Kepha kuzokufanele, ngoba imali isengcupheni, futhi akufanele ushiye noma yini iye ekuvuseleleni. Kungaba iphutha elikhulu ukuthi kuzodingeka ukuthi ulikhokhele ngokuzayo. Ungakhohlwa.

Futhi kuzoba lula kakhulu kuwe ukuthi ubuyekeze okuhlinzekwayo nokwenyusa izikhungo zezezimali ebezikukhuthaza njalo. Hhayi ngeze, Ungagcina ama-euro amaningi uma ukhetha leli su elizuzisayo. Futhi njengoba umkhiqizo onenkontileka unesikhathi eside, imiphumela yawo izoba nkulu kakhulu. Umehluko phakathi kwezintshisekelo zamabhange ubaluleke kakhulu. Futhi kuzoncika kulokhu ukuthi ukhokha kancane lapho uqedela umsebenzi.

Amakhomishini nezinye izindleko

Esinye isici semali ebolekwe ngemali ebaluleke kakhulu amakhomishini nezinye izindleko ezingeziwe ezisungulwe ezigabeni zabo zesivumelwano. Uma kungenzeka, sayina inkontileka yomkhiqizo ongakhokhiwe kulezi zinkokhelo, ngoba uzokonga imali eningi kule minyaka embalwa ezayo. Amaphesenti alezi zindleko angafika ku-3% kunani elithengiwe. Futhi nokuningi uma ungakusindisa ngaleli su lokuhweba.

Ingxenye enhle yeziphakamiso ongazithola njengamanje zenziwa ngaphandle kwamakhomishini, noma ezinye izindleko ekuphathweni noma ekugcinweni kwazo. Zama ngazo zonke izindlela ukuthi ukukhetha kwakho kusekelwe kulezi zinhlaka, ngoba izinzuzo ezizokulethela eminyakeni ezayo zizoba nkulu kakhulu. Futhi lokho kuhlanganiswe nezinga lenzalo elihle kuzosiza ukuqukatha izindleko zakho isikhathi eside.

Yiba nokonga okuthile

ukulondolozwa kwempahla ebanjiswayo Uma uzokwenza kube semthethweni ukubolekwa kwempahla ezinyangeni ezizayo kufanele wazi ukuthi ukuthambekela okusha kubuswa ukunganikeli ngemali yemali yokuthengwa kwekhaya elisha. Bazokunikeza kuphela u-75% noma u-80% wokusebenza. Ngalokhu uzoba nesikhwama esingabalulekile kangako nesikusekela ekusebenzeni. Inani eliphakeme onalo, ngcono izintshisekelo zakho. Akumangalisi ukuthi uzokhokha imali encane, kokubili ekunciphiseni kwayo inzalo.

Lesi silinganiso esikhuthazwa ngamabhange sithinta izinga lakho lesikweletu ukuba liphansi. Lesi yisifiso seBhange LaseSpain, elincome ukusetshenziswa kwaleli su emabhange uqobo. Noma kunjalo, kunenani eliphansi okuyinto ongeke ukwazi ukuyisusa uma ufuna ukwakha isibambiso semali kusukela manje. Isethwe cishe kuma-euro angama-50.000.

Isikhathi sesibambiso

Isikhathi sayo sokukhokha sizophinde sibe ngesinye sezici zokunquma okufanele uzibekele sona ngesikhathi sokusayina. Sezidlulile izikhathi lapho ubungakwenza kube semthethweni impilo yakho yonke, ngemigomo ephezulu efinyelela eminyakeni engama-50. Akukho okufanayo kusukela enkingeni yezomnotho yamazwe omhlaba, futhi ngenxa yabo izikhathi zabo zokugcina sehliselwe eminyakeni engama-25 noma engama-30 njengomkhawulo omkhulu. Kufanele uvumelane nezidingo zakho zangempela ukuze ukhethe isikhathi esizuzisa kakhulu sezintshisekelo zakho.

Uma ubhalisela izikhathi ezinwetshiwe kakhulu, kuzofanela ucabange izimali ezingabizi kakhulu, kepha esikhundleni sokukhokha inani laso isikhathi eside. Lokhu kuzosho ukuthi izindleko zempahla ebanjisiwe ziphakeme kakhulu. Futhi kungenzeka kungazuzisi ukwenza lo mkhiqizo wasebhange ngokusemthethweni ngaphansi kwale mibandela.

Uma ukwazi, ukusebenza okuzuzisa kakhulu kuzoba ukuyikhokha ngesikhathi esincane. Kuyiqiniso ukuthi imali izokhokhwa kakhulu, kepha ngokuvala umsebenzi kusenesikhathi, kuzofanele ukhokhe imali encane. Futhi kungenzeka uphinde uvulekele inkontileka yolayini abasha besikweletu. Ukuze uguqule ikhaya lakho, ukhokhele iholide lakho elilandelayo, noma uthenge amamodeli wakamuva wemishini ye-audiovisual.

Kuthiwani ngesigatshana sephansi?

imali ebanjiswayo: isigatshana saphansi Ngemuva kwalokho okwenzekile eminyakeni yamuva nje, kufanele uqaphele ukuthi abakuthengiseli imali ozoyibambisa ngalezi zici. Ngenhlanhla uzoba lula, ngoba amabhange amaningi zisusiwe kokunikezwayo kwamanje. Akumangalisi ukuthi izimo zalo zikulimaza kakhulu, ngaphezu kwalokho ongase ucabange ekuqaleni. Futhi nokuthi bazokwenzela ukuthi ukhokhe imali eningi kunaleyo edingekayo njengamanje.

Lesi sigaba semikhiqizo yezezimali wabeka isilinganiso senzalo esincane esingeqiwe. Futhi uma unikezwe ukwehla komlando ekuguqukeni kwenkomba yokuma yaseYurophu, eyaziwa kakhulu njenge-Euribor, ikuvimbele ekutholeni ukwehla kwayo okuphawulekayo. Khumbula ukuthi njengamanje usesigabeni esingesihle. Futhi ukube ubusenze semalimboleko yemalimboleko yempahla ngalesi simo, kuzofanela ukhokhe imali eningi kunaleyo okufanele uyikhokhe kancane kancane.

Izinga lenzalo eligxilile noma eliguquguqukayo

Kungenye yezinkinga okufanele uxazulule kusuka manje kuqhubeke lapho usayina isivumelwano semali obambisa ngayo. Kuzoya ngezimo zezimakethe zezimali. Manje kunenzuzo enkulu ukuyibhalisela ngenani lenzalo eguquguqukayo, ngaphambi kwesiteji esethulwe yi-Euribor. Kepha njengoba uyimali mboleko yesikhathi eside, lesi simo kungenzeka singafani eminyakeni embalwa, ngakho-ke, ngeke wenze umsebenzi ube nenzuzo.

Vele, inzalo engaguquki izokuvumela ukuthi uhlale ukhokha ngokulinganayo, ungakhathazeki ngokuvela kwezimakethe. Kepha futhi kumoshwa ukunyakaza okuhlangene kwamanje emnothweni. Isikhathi lapho imali yakho ebolekiswe khona izothatha isinqumo esihle kakhulu ngokukhetha kwakho. Ngeke ube nokunye ongakwenza ngaphandle kokukucabangela ukuze ukwandise ukusebenza kwakho ngendlela engcono kakhulu.

Futhi ezingeni lesithathu, kukhona imali ebolekwe exubile, ehlanganisa okuhle kakhulu nokubi kakhulu kumodeli ngayinye. Futhi lokho muva nje kuyakhushulwa emabhange njengenye indlela yokuxhasa izindlu. Nguwe kuphela okufanele ukhethe ifomethi enhle kakhulu ekuvikeleni izintshisekelo zakho. Futhi lesi sici sizoba esinye sezibaluleke kakhulu.

Amathiphu ayi-8 wokuthatha imali obambisa ngayo

Uma ucabanga ukubhalisela noma iyiphi yale mikhiqizo yasebhange, ngeke kuze kuwe ukuthi ungenise uchungechunge lwamathiphu azosiza kakhulu kulo msebenzi wokubhanga. Futhi kunganquma ukuthi uyakwazi ukusayina inkontileka ngempumelelo enkulu. Okungenani usesimweni sokuzama, okungekuncane, ngemuva kokubuyekeza izici eziyinhloko zale mikhiqizo edingekayo emakhaya.

  1. Imayelana funda konke okunikezwa amabhange kuwe, ngoba impela ungathola imodeli evumelana kakhulu nezintshisekelo zakho njengomsebenzisi oyikho.
  2. Susa zonke izindleko ezingeziwe lokho kufaka imali ebanjwayo, kusuka kumakhomishini abo nakwezinye izindleko ezingenasidingo ngokuphelele.
  3. Bheka ifomula ye- yenze ngokushesha, ngoba ngayo uzobe ususa izindleko ezinkulu, futhi yini okubi kakhulu, isikhathi eside empilweni yakho.
  4. Funda ngokucophelela ukuphrinta okuhle kwenkontileka, uma kungenzeka kufakwe izimo ezingavumelani nhlobo noma ezingavumi nhlobo ezithakazelweni zakho, futhi lokho kungakuthinta ekwakhiweni ngokusemthethweni komsebenzi wokubhangeka lousy.
  5. Uma wenza isivumelwano neminye imikhiqizo yasebhange ungathola i- isikweletu sebambiso sebambiso, okuzoncika ebuqothweni onabo.
  6. Vumela ukuthi uthathwe ngu izimo ezimaka izimakethe, njengephasiphothi ukuyithola ngaphansi kwezimo ezinhle kakhulu, futhi iqukethe nezindleko.
  7. Iziphakamiso zokubambisa ngemali ze- ukuthengwa kwekhaya lokuqala zihlala ziyanelisa kakhulu kunangesibili. Uma lokhu kuyindaba yakho, ungasebenzisa ngokunenzuzo ukukhushulwa okuningi okunikezwa amandla yizikhungo zezezimali.
  8. Qaphela ukuthi ibhentshimakhi yaseYurophu iguquka kanjani, bese uzama ukwenza lo mkhiqizo ube semthethweni ngokuya ngamathrendi amahle kakhulu aletha ngaso sonke isikhathi.

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

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.