Kule mpelasonto, umdwebo wendabuko kaKhisimusi uzosabalalisa isamba sama-euro ayizigidi ezingama-2.380, okuyibo kuphela abawinile abazokhokha noma yimiphi imiklomelo emine yokuqala yale lottery futhi ngaso sonke isikhathi kube yimali eyeqa ama-euro ayi-10.000. Ngakho-ke, uma ungomunye wabaphumelele nge-Fat Christmas ebikade ilindelwe uzokhipha inani I-322.000 yama-400.000 euros ngeyeshumi. Ngale ndlela, ama-euro ayi-78.000 asele azoya esikhwameni sikahulumeni njengentela. Lesi yisimo esizivelelayo uma inhlanhla ikumomotheka ngale mpelasonto.
Intsha enkulu kulo nyaka eveza omunye wemidlalo ethandwa kakhulu yamathuba phakathi kwabaseSpain ukuthi amanani akhululiwe akhushulwa futhi kuphela lawo adlula Ama-euro angama-10.000 ngeshumi. Kumele ukubheke kusukela manje ngaphambi kokuthi kungenzeka ukuthi ithikithi lakho lelotto lingelinye lezinhlanhla kulo mqhudelwano okuvulwa ngawo amaholidi kaKhisimusi. Ukube bekunje, uzoba nochungechunge lwezinketho zokukhulisa lezi zinzuzo ezibalulekile owawungenazo kwezezimali zakho.
Uma ungomunye wabanenhlanhla, bangaphinde balinge inhlanhla yakho futhi bacabange ukuthi ungayithuthukisa le ngcebo yakho ngezimakethe zezimali. Phakathi kwezinye izizathu ngoba zizohlala zikhona amathuba ebhizinisi ongayandisa ngayo imali oyiwinile kwilotto likaKhisimusi. Ngethuba lokuthi ungayivumelanisa nephrofayili onayo njengomtshalizimali omncane naphakathi: ulaka, uyalondoloza noma uphakathi. Kunoma ikuphi, kungenye indlela ngaphambi kokuya ku-akhawunti yakho yokonga.
UKhisimusi onamafutha: Amanani Emakethe Yesitoko
Enye yezinketho zokuqala onazo zokuthuthukisa izimpahla zakho uqobo ukuya ezimakethe zaseSpain ezinamandla amakhulu okwazisa. Awukwazi ukukhohlwa ukuthi i-Ibex 35 kulo nyaka esizoqhubeka ibe nokuziphendukela kwemvelo okubi kakhulu lapho yayikhona ngaphezu kuka-13% wesilinganiso sakho. Kuze kube seqophelweni lokuthi ingavala unyaka ngamanani aphansi wonyaka, eduze kakhulu kwezinga lama-euro ayizi-8.600 noma ngisho nangaphansi uma ukuthambekela phansi kwehla phakathi nezinsuku zokugcina zonyaka.
Kulesi simo sangempela, kukhona umkhakha wamasheya osebenze kabi emakethe yamasheya futhi lowo umkhakha wamabhange. Ngokuncipha kwenani okungaba ngu-20%, kepha ngamathemba amahle kakhulu wesikhathi esimaphakathi neside. Elinye lamasu, ngakho-ke, ukutshala imali kwamanye amabhange athengiswa esidlangalaleni futhi asebenzise amathuba awo aphansi. I-Bankia, i-Santander, i-BBVA noma i-Sabadell kungaba ezinye zeziphakamiso zakho zokwenza iKhisimusi Gordo ekudala ilindelwe ibe nenzuzo.
Amandla afinyelela ku-30%
Abanye abahlaziyi bezimakethe zezimali balinganisela ukuthi amasheya akulo mkhakha obalulekile ancishisiwe ngamanani ezimakethe zawo. phakathi kuka-20% no-30%. Nesikhathi sokuhlala unomphela, okungenani iminyaka embalwa. Ngoba njengamanje bethula amanani alungiswa kakhulu kwiqiniso lebhizinisi labo futhi lokho kungenxa yezinkinga eziningi umkhakha onazo kulo nyaka osasele namahora ambalwa ukuthi udluliselwe empilweni engcono. Ngokuqinisekile akusona isikhundla esiyingozi ngoba intengo yamasheya incintisana kakhulu okwamanje. Ngaphansi kwesilinganiso sakho sangempela.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi amabhange aseSpain ahlinzeka nge- idividendi okuthakazelisa kakhulu, ngenzuzo emaphakathi ephakathi kuka-5% no-6%. Lokhu kuyinkokhelo engaguquki futhi eqinisekisiwe minyaka yonke, noma ngabe kwenzekani ezimakethe zezimali. Ukuze ngale ndlela, ukwazi ukudala iphothifoliyo yokutshala imali kumholo ongaguquki ngaphakathi kokuguquguqukayo. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Kuyindlela ephumelela kakhulu yokwengeza ibhalansi ye-akhawunti yakho yokuhlola ngemuva kukaKhisimusi Fat.
Qasha esikhwameni esixubekile
Njengoba kunikezwe ukuvela kabi kwezimakethe zezezimali, isu lesibili lokutshala onalo ukwehlukanisa imali etholwe ngenhlanhla yaleli raffle. Futhi iyiphi indlela engcono ukwedlula ngokusebenzisa isikhwama sokutshala imali esixubekile futhi ngenxa yalokho sisekelwe kokubili emholweni ongaguquguquki futhi oguquguqukayo. Ukuze ngale ndlela, usesimweni esingcono sokuvikela ama-winnings akho kulo mdlalo. Ngakolunye uhlangothi, unezimali eziningi zokutshala imali zalezi zici futhi kuzofanele ukhethe kuphela evumelana nephrofayili yakho njengomtshali-zimali omncane naphakathi.
Kodwa-ke, le ndlela yokutshala imali ayihloselwe isikhathi esifushane. Uma kungenjalo, kunalokho, kuzofanele ukwenze sikuqondise kuzikhathi zokugcina ezinde. Uma yonke into ithuthukiswa kahle, kungenzeka ukuthi endaweni yeminyaka emihlanu noma eyisithupha ungathola imbuyiselo phakathi kuka-5% no-10%. Akukubi neze ngemali obungazange ube nayo kwasekuqaleni. Ngaphezu kwalokho, ngaphandle kokuyiveza kwimpahla eyodwa yezezimali engadala ubungozi obuningi ezindaweni ezivulekile kusuka kula maholide kaKhisimusi.
Imvume yokusheshisa inzuzo
Kuhlala kunensiza, uma ungumtshalizimali ocacile onolaka, wokusebenzisa izimvume ngisho phindaphinda inani othole ngoKhisimusi Omkhulu obulindelwe. Kulokhu, ukuvulwa kwezikhundla ngenani lamanani waseSpain asele emuva kakhulu ku-2018 futhi okunamandla wokuphana kabusha wokuphana. Ngalo mqondo, kunokuvikeleka okwehla kwemali minyaka yonke okusondele kakhulu kuma-30% futhi okungathengwa ngale ndlela ekhetheke kakhulu yokutshala imali.
Ungakhohlwa ukuthi lo mkhiqizo wezezimali oyisiqinisekiso uyisihloko sebhizinisi esifana kakhulu ne- a Inketho yokuthenga. Inikeza umthengi ilungelo, kepha hhayi isibopho, sokuthenga amasheya ajwayelekile ngqo enkampanini ngentengo ebekiwe isikhathi esithile. Kodwa-ke, akunakuphikwa ukuthi ama-waranti ayisigaba semikhiqizo yezezimali enobungozi obukhulu ekusebenzeni. Lapho ungathola khona imali eningi, kepha ngesizathu esifanayo, shiya ama-euro amaningi emgwaqweni kusukela manje kuqhubeke. Ngaphandle kokuba umkhiqizo onobuthi, okungenani akuhloselwe bonke abatshalizimali.
Endaweni yokugcina: iphephile futhi iqinisekisiwe
Enye yezinketho eziphephe kunazo zonke onayo okwamanje yenziwe ngamadiphozi asebhange wesikhathi esinqunyiwe. Bathuthukise inzuzo yabo ezinyangeni ezisanda kwedlula futhi baqala ukuba nentshisekelo yokuthola imali eyengeziwe minyaka yonke noma okungenani phakathi neminyaka edinga ukuba ngunaphakade kwabo. Kulesi simo esivamile, kukhona okunye ukukhushulwa okunikeza ukubuya kwonyaka nokuqinisekisiwe kusondele kakhulu ku-2%. Vele, kungaba umbono omuhle kakhulu ukuqinisekisa imali ekhiqizwe eGordo de Navidad.
Kunoma ikuphi, lawa madipozithi asebhange anezikhathi zokuhlala unomphela ezihamba ngaphansi kwebanga elisuka lapho 12 kuze kufike ezinyangeni ezingama-36. Isikhathi lapho abafaka izimali kumele babe neminikelo yabo yezomnotho ingasebenzi, kube ngesinye sezici ezimbi kakhulu zale ndlela ekhathalela kakhulu yokutshalwa kwemali yomklomelo we-lottery. Yize kunenzuzo yokuthi kungumkhiqizo ongenawo ngokuphelele amakhomishini nezinye izindleko ekuphathweni nasekugcinweni kwawo. Ngokonga okuphelele maqondana nalesi sivumelwano esixhumene nezindleko.
Isiliva njengenye indlela
Ngakolunye uhlangothi, le nsimbi eyigugu iyindlela enenzuzo enkulu uma isimo esishubile singena ezimakethe zezimali. Ngethuba langempela lokwenza umklomelo wale raffle ube nenzuzo kumamajini angaphezu kuka-30% nangesikhathi esingeqile ngokwedlulele. Akumangalisi ukuthi isiliva lithathwa njengelinye lamanani aphephile wokusebenza kahle futhi okwamanje agcina amandla okubuyekeza okuphezulu kakhulu atholakala kunoma iyiphi impahla yezezimali.
Ngemuva kokuba nenhlanhla nge-jackpot kungahle kube yisikhathi sokuzibeka engcupheni futhi akukho okungcono kunale nsimbi ukufeza izinhloso ezifunekayo kusukela manje. Hhayi ize, izinyanga ibigcinwe ingenacala phezulu Lokho kukumema ukuthi uvule izikhundla ngaphandle kokuthatha izingozi ezeqile ekusebenzeni. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuzohlaziywa kweminye imibhalo mayelana nale nketho ezimakethe zezezimali.
Kulezi zikhathi eziqondile, kunokuningi okufanele ukuzuze kunokulahlekelwa, futhi ngaphandle kokuthi kuyimpahla eyinkimbinkimbi yezimali ukuthatha izikhundla. Kodwa-ke, ukuthula kokuba nemali obungenakho kuzokusiza ukuthi uqale izikhundla emakethe yezezimali njengoba ikhethekile njengoba kunjalo ngempela. Ngenhlanhla encane, izimpahla zakho zizokhula ezinyangeni ezimbalwa. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuzohlaziywa kwamanye ama-athikili ngalolu khetho ezimakethe zezezimali.