Ngaphakathi kwalo mkhakha wezomnotho, singathola uchungechunge lokuhamba nokunyakaza esingalawula ngalo ubungozi obungacatshangelwa enhlokodolobha etshalwe emakethe yamasheya. Lolu hlelo luyaziwa ngamandla ezimali.
Ukwenza ibhizinisi emakethe yamasheya kungenye yemisebenzi yezimali engaba nemiphumela emikhulu kubatshalizimali abasebasha, kokubili okuhle nokubi, futhi imvamisa, okunquma umehluko kuzici zombili lezi yisipiliyoni esiqoqiwe, kanye nezinga lengcuphe lowo nalowo wabahlanganyeli kulo msebenzi wezomnotho azimisele ukulwenza.
Ngenxa yalokho, kunezimo zabantu abenze inotho encane ngokunikela ngempilo yabo ku ukuthenga-ukuthengisa ukunyakaza emakethe yamasheya, Kepha kunamanye amacala amaningi, mhlawumbe amaningi kakhulu, alabo bantu abathi ngokuphazima kweso, njengoba nje babezotshala imali yabo ekubhejweni kwekhasino, bagcina sebebonile ukonga kwabo noma izinsizakusebenza zeminyaka eminingi yobunzima umsebenzi nomzamo.
Lokho kungokweqisa okubili umuntu angakuthola kulolu hlobo lwebhizinisi, kepha ngaphandle kokungabaza kukhona konke uhlobo lwamacala nezimo ukuthi bangabala inani elithile lempumelelo nokwehluleka okuguqula ukutshalwa kwezimali emakethe yamasheya kube umsebenzi wezomnotho wama-nuances amaningi okungekho lutho oluqinisekisiwe ngawo.
Kuyini ukuzuza kwezezimali?
Ngamazwi alula, amandla wezezimali aqukethe uhlobo lotshalo-mali olubhekisa ekutheni kungenzeka ukuphatha imali ethe xaxa ezimakethe, kunokuba besikhona ngaleso sikhathi. Okusho ukuthi, kumayelana nokudlala nokubeka engcupheni imali esingenayo ifomu eliketshezi. Lokhu kungenzeka ngenxa yokuthi kunemikhiqizo ethile yezezimali esivumela ukuthi sifeze lezi zinhlobo zokuhamba.
Kuyafaneleka ukusho lokho ukubaluleka kokusebenzisa imali Ezikhathini zamanje lidlule ngendlela yokuthi ayitholakali kuphela ezweni lotshalo-mali, kodwa singakusebenzisa, ngendlela eyisisekelo, ezimpilweni zethu zansuku zonke, kusukela ezimpilweni zethu zansuku zonke.
Isibonelo sokuqala esingasondela kuso ukuthi kungaba yini amandla ekusebenzeni ukuphathwa nokuphathwa kwamakhredithi, ngoba lokho yikho kanye okushiwo yilezi zinsizakalo, ukuthenga ngenani lemali esingenalo ngesikhathi sokuthenga, ngakho-ke sizokhokha njalo ngenyanga.
Isibonelo, uma uthenga imoto ebiza cishe ama-euro angama-20.000 4.000, bangahlela ne-ejensi yemoto inkokhelo yokuqala engaba ngama-euro ayizi-5 futhi lokho kusho ukuthi uzidlisa ngezinga elingu-1 kuye ku-XNUMX, okungukuthi, thola i-Well, ubeka ingxenye yesihlanu yenani lalo ngaphambili, noma ngabe uhlele ukukhokha ngochungechunge lwezinkokhelo zanyanga zonke.
Lesi simo sokuqala sichaza ukuthi ukusetshenziswa kwemali kungasetshenziswa kanjani nasezimpilweni zethu zansuku zonke ngaphandle kokuqaphela. Kodwa-ke, esimweni semakethe yamasheya, lesi senzo sithola umthelela omkhulu futhi, empeleni, sinemiphumela ejulile.
Ama-CFD ukuze akwazi ukutshala ngemali
Kulokhu, uma sifuna ukuthenga inani elithile lamasheya enkampanini ethile futhi ngenani elithile lemali, izinombolo zibaluleke kakhulu ukuchaza ukulahleka okungaba khona noma izinzuzo esingaba nazo ngokutshalwa kwemali okushiwo. Isibonelo, ngama-CFD adumile (izinkontileka zokwehluka), sinethuba lokuthenga amasheya ngenani elidlula imali yethu yamanje, ukuze sikwazi ukuzuza inzuzo enkulu ngaphandle kokukhokha inani elikhulukazi lemali ngasikhathi sinye.
Ngamazwi alula, isisekelo siqukethe uhlobo lomthelela wokuphindaphinda ubungozi, ithuluzi lezezimali elinamandla amaningi okukhulisa inzuzo ngokushesha, kepha ngesikhathi esifanayo enye yezindlela zokutshala imali eziyingozi kakhulu, ikakhulukazi kubatshalizimali abaqalayo abathatha izinyathelo zabo zokuqala kulolu hlobo lwebhizinisi, yingakho Kunconywe nakancane laba bantu.
Ngakho-ke, uma sihlela ukuthola cishe amasheya ayi-100 enkampani anawo kuma-euro angama-20 lilinye, kepha asinayo imali etholakalayo yokuthenga leyo mali, okungaba ngama-euro angama-2000, isizumbulu sinikeza umthengisi iphesenti yesamba leso, asibuze njengoba isiqinisekiso sokuthi uzokwazi ukukusebenzisa. Ngale ndlela, ungatshala imali, ngokwesibonelo, u-5% wemali yoqobo yokuthengwa kwamasheya, okungaba ngamarandi angama-100 kuphela, kepha ngaphansi kwalesi simo, izinzuzo zayo zizobalwa njengezabelo eziningi elingana nama-euro angama-2000, futhi into ethokozisayo ngalokhu kuthengiselana ivezwa ngemiphumela emibili emikhulu engavela kuyo.
Umphumela wokuqala ongalindelwa ekusetshenzisweni kwesilinganiso, usekelwe kuzinzuzo ezingaba khona lokho kungatholakala ngokuletha imiphumela emihle, futhi iqukethe okulandelayo: uma sithola inzuzo ka-10% ngokutshalwa kwezimali kwethu kwe-CFD, inzuzo yethu yangempela ngeke ibe no-10% wemali yethu yokuqala, eyi-100 euros, kodwa I-10% yesilinganiso esenze nomthengisi, okungukuthi, i-10% yama-euro angama-2000, emele inani eliphelele lenzuzo engama-euro angama-200, lapho sithola khona inzuzo ephelele yama-euro angama-100, lapho ekugcineni sikuphindaphinde lokho inani lokuqala esilibeka njengokutshalwa kwezimali kokuqala.
Iso lenyama, le ndlela ingabonakala ikhanga impela Noma ngubani onentshisekelo ezinhlotsheni zokunyakaza kwezezimali, kepha njengoba kushiwo ngaphambili, akunconywa ukuthi abantu abangenalwazi bathole lolu hlobo lwengozi, futhi isizathu esizobona ngaleli cala elilandelayo elingavela ekutshalweni kwezimali.
Esimeni sesibili, imiphumela ayigculisi nakancane ngoba lapha sikhuluma ngokulahleka futhi kukhulu impela. Lo mphumela omubi ukuthi uma amasheya esiwathengayo ayawa futhi silahlekelwe ka-10%, lapho-ke ngeke silahlekelwe ngu-10% wamadola wethu ayi-100 okuqala, kepha ukulahleka kuzoba yi-10% yamadola ayi-2000 umthengisi awafake ngokusebenzisa amandla, noma ngabe asikaze sikunikeze umthengisi. Kulesi simo, uma ku-akhawunti yethu ingekho imali yokukhokhela ukulahleka, okwenzekayo ukuthi umthengisi agcine lokho okukhona, ashiye i-akhawunti ku-zero futhi asikhiphe ngokushesha emakethe.
Ungazinciphisa kanjani izingozi lapho usebenzisa amandla?
Indlela ethakazelisa kakhulu yokunciphisa okungenzeka ukulahlekelwa okungenani ukubeka nomdayiseli wakho lokho okwaziwa ngokuthi “yilahleko yokuyeka”, okusemqoka ukwazi umahluko phakathi kwemali eyitshaliwe nemali eyingozi, inqubo equkethe okulandelayo:
- Imali etshaliwe yilokho esikubeka etafuleni, okungukuthi, lapho sinikeza umthengisi wethu ama-euro angama-2000 ukuthenga amasheya ayi-100 kuma-euro angama-20 lilinye, lenkampani ethile, sitshala lawo ma-euro angama-2000 kanjalo, okunye akufuni ukusho ukuthi sinayo yonke leyo mali esengozini, ngoba ngenxa ye ukuyeka ukulahlekelwa, singamisa okuzenzakalelayo lapho inani lamasheya liqala ukwehla, futhi kulapho kufika khona umqondo wobungozi bezimali.
- Imali enobungozi iqukethe ukusetshenziswa kwefayela le- ukuyeka ukulahlekelwa ukuthengisa ngokushesha amasheya ethu ngokushesha lapho eqala ukuwela enanini elithile. Isibonelo, kumasheya ayi-100 athengwe ngama-euro angama-20 lilinye, ukunciphisa ubungozi bokulahleka, singafaka isicelo ukuyeka ukulahlekelwa kuma-euro angama-18, okusho ukuthi ngokushesha nje lapho inani lesabelo ngasinye lehla lisuka kuma-euro angama-20 kuye kwangama-18, amasheya ayi-100 azothengiswa ngokuzenzekelayo, ngakho-ke sizozivikela emathubeni okuthi inani lawo liqhubeke nokwehla ngokushesha. Kulokhu sizolahlekelwa ama-euro amabili kuphela ngesabelo ngasinye, ngakho-ke sizobe sithatha ubungozi bangempela bama-euro angama-2, okuzoba yimali yethu engcupheni yonyaka ka-200 etshaliwe. Ngamafuphi, kuyindlela ephumelelayo yokuphuma emdlalweni ngaphambi kokuba umbono ube nzima kakhulu, ngoba kuleli bhizinisi inani lesabelo lingaziphinda kabili ngokuzumayo, noma futhi liwe ngokushesha lize lilahlekelwe cishe lonke inani lalo.
Njengoba nje sikwazile ukubona, Ukusetshenziswa kwesilinganiso sokutshalwa kwemali emakethe yamasheya kusebenza njengenye yezinsimbi zobungozi ezintsha futhi ezithakazelisayo ezitholakalayo namuhla, ngoba ukusetshenziswa kwayo ngokukhalipha kungaletha inzuzo ngaphezu kwaleyo evame ukushiywa ngokuthengwa okujwayelekile kwamasheya. Kodwa-ke, kufanele kukhunjulwe ukuthi iyinsimbi yezimali eyingozi kakhulu, engafaka ukulahleka okukhulu kakhulu nokuthi kufanele ishiyelwe kubatshalizimali abanesipiliyoni kakhulu, ngoba yibona abanolwazi nezinsiza zokubhekana nakho konke. uhlobo lokulahlekelwa okungalindelekile noma kwezomnotho.