Ungatshala kanjani imali okonga ngamabhondi wangaphandle?

Enye yezindlela zakudala zokutshalwa kwezimali ngamabhondi. Kepha awukwazi ukukhohlwa ukuthi lo ngumkhiqizo wezezimali owethulwayo ngaphansi kwezindlela eziningi. Vele, ngaphezu kwalokho ongakucabanga kusukela ekuqaleni. Impela esinye seziphakamiso senziwe ngezivumelwano ezibizwa ngokuthi yi-peripheral bond. Akumangalisi ukuthi kungenye yezindlela zokubheja ongazisebenzisa ukwenza imali yakho izuze. ukulondoloza kusuka manje

Kepha ukuze uhumushele le nketho ekutshalweni kwemali, awunaso esinye isixazululo ngaphandle kokwazi lolu hlobo lwemikhiqizo nokuthi ungazitshala kanjani izimpahla zakho kuzo. Ngoba impela, unamasu amaningana ukuhlangabezana nalesi sidingo onaso. Ama-bipipheral bond angolunye lotshalo-mali lwendabuko kushidi lokuthola imali. Yenzelwe iphrofayili yesilondolozi echazwe kahle kakhulu. Lapho ukuphepha kudlula khona okunye ukucatshangelwa.

Mayelana nenzuzo ekhiqizwa lo mkhiqizo wezezimali, kufanele kushiwo ukuthi ngeke ikulethele ukubuyisa okumangazayo. Vele akunjalo, kepha ngokubuyisela kunganikeza ukuthula kwengqondo okuthe xaxa ngezikhathi ezithile. Ungasizakala ngosizo lwe- inqubekela phambili enhle yezomnotho kulawa mazwe afakwe kuleyo ndawo. Futhi ngokususelwa kulokhu kuziphendukela kwemvelo, inzalo enganikezwa ngotshalomali lwakho izonqunywa.

Ama-peripheral bond: ukwakheka kwawo

Lo mkhiqizo wezezimali ungatholakala kalula ezimakethe zezezimali. Njengoba igama layo likhombisa, inhloso yayo yisikweletu somphakathi samazwe aseningizimu yezwekazi elidala. Phakathi kwalabo abavelele ISpain, iPortugal, i-Italy neFrance njengezizwe ezifanele kakhulu. Babonakala ngoba kwezinye izimo babuthakathaka endaweni ye-euro. Futhi ungakwamukela ngokunembile lokhu ukuze uthuthukise amamaki enzuzo engakubika ngayo noma kunini.

Ngokutshala imali kulolu hlobo lwesikweletu somphakathi, ubeka engcupheni enkulu ukwedlula izibopho ezixazululwa kakhulu, njengalezo ezitholakala emazweni aseCentral Europe naseScandinavia. Njengomphumela walesi sici esikhethekile, its ukuguquguquka kuphakeme kakhulu kunakwamanye amacala. Kepha yize lonke uhambo lwayo lincane futhi isimo salo esihle kakhulu sisesikhathini esifushane naphakathi. Lapho ungathola khona izinzuzo ezithokozisayo kulondolozo lwakho. Njengoba kwenzekile eminyakeni yamuva. Njengomphelelisi ofanele ukubumba iphothifoliyo yakho yokutshala imali ngendlela eyiyo kakhulu.

Ungayenza kanjani imali?

Uma kusuka manje isinqumo sakho ukutshala imali oyilondolozile kwesinye sezibopho zomngcele, uzoba nezindlela eziningi ongazisebenzisa ukuze wenze lesi sinqumo sakho. Enye yezinto elula ukuthenga lezi zibopho ngqo ezimakethe zabo ezehlukene zezezimali. Ungenza lo msebenzi ube semthethweni ngokusebenzisa ibhange lakho noma nangabalamuli bezezimali. Kuzoba nguwe uqobo ozokhetha impahla yezezimali oyifunayo, noma ngabe kuyibhondi yaseSpain, yase-Italy noma yaseFrance. Noma yiziphi zazo ungazifeza ngaleli su lokutshala imali.

Ngaphezu kwalokho, amakhomishini azobe ehlukumeza ngempela, kodwa kunalokho ahamba ngaphansi kwemingcele yezentengiselwano eyamukelekayo emakhaya amaningi. Ngalesi sizathu, yakhiwa njengomkhiqizo ofanele kakhulu wonke amaphrofayli athulwe ngabatshalizimali abancane nabaphakathi. Ngaphandle kwezingozi ezikhethekile kusukela ngesikhathi oqashiwe ngaso. Kodwa-ke, idinga izeluleko ezanele ezivela ebhizinisini lezezimali uqobo noma kumhlaziyi wemakethe yezimali.

Kufakiwe kwizimali zokutshala imali

Kuzo zonke, ukutshala imali kuleli banga lamabhondi kazwelonke, umqondo omuhle ususelwe ekuqashweni kwezimali zokutshala imali ezihlinzeka ngale mpahla yezezimali ekwakhiweni kwayo. Yizo kanye lezo ze- imali engenayo labo abacosha lo mbono, noma kunjalo futhi nalabo abahlanganisiwe bangangenisa ukufakwa kwalezi zibopho. Kepha kulokhu, ukuzihlanganisa nolunye uhlobo lotshalo-mali nokuthi ngokuvamile kunemali engenayo eguquguqukayo njengomamukeli wayo omkhulu. Kusho ubungozi obukhulu njengecebo lokuthuthukisa inzalo ezoya ku-akhawunti yakho yokuhlola. Kepha ekugcineni kosuku kuzoba nguwe ozoba nezwi lokugcina ngalesi sinqumo.

Inzuzo yakho enkulu ukunikezwa okubalulekile onakho kuleli banga lezimali zokutshala imali. Baningi njengabaphathi abakhona kuzo zonke izimakethe zezezimali. Unezinye izindlela eziningi njengamabhonasi alezi zici. Kepha uzokhiqiza ngokusebenzisa izimali zokutshala imali ukwahlukana okukhulu ekutshalweni kwakho. Ngoba kuzokusiza ukuthi ungagxili yonke iminikelo yezomnotho kubhasikidi owodwa wezimpahla zezimali. Ngale ndlela, uzoba sesimweni esingcono sokuvikela izikhundla zakho ezimakethe zezimali kusukela manje kuqhubeke.

Kunoma ikuphi, uma ukhetha noma yisiphi salezi ziphakamiso, ngeke ube nenye indlela ngaphandle kokucabanga ukuthi kungabandakanya ikhomishini engaphezu kweyodwa ngesikhathi sokuqasha. Ngephesenti elifinyelela isilinganiso esiphezulu cishe 2,5%. Ithiphu ewusizo kakhulu ezosiza ngalezi zimali zokutshala imali ukuyibuyekeza ngezikhathi ezithile. Njengoba kunikezwe isidingo sokuthi kufanele uguqule ukwakheka kwephothifoliyo yakho yezokuphepha. Ngoba empeleni, ama-bond akuwona umkhiqizo okufanele ube nawo kuphothifoliyo yakho isikhathi eside. Kepha kunalokho, ezimweni ezikhethekile futhi lokho kuzonqunywa ukuvela komnotho. Kokubili kuzwelonke nasendaweni yokubuka yomhlaba.

Akuphatheleni la mabhonasi?

Ukuhambisa le ndlela yokutshala imali, kuzofanele ubheke izinzuzo amabhondi ala mazwe aseYurophu angakulethela zona. Ngoba kuzoba ngaphezu kokukodwa, njengoba uzokwazi ukuqinisekisa kusukela manje kuqhubeke. Phakathi kwazo kukhona okulandelayo esizokukhombisa khona ngezansi. Zizoba wusizo olukhulu ukuze ukwazi ukuthuthukisa ukusebenza kwakho ngombono ohlukile.

• Imvamisa inzuzo yayo ngeke idonse ukunaka kwakho, kepha ngokubuyisela uzokujabulela ukuphepha okukhulu. Ngoba empeleni, ngeke ulahlekelwe yimali enkulu ngamabhonasi wangaphandle. Amanani amancane kuphela kunani elitshaliwe ngalo mkhiqizo wezezimali.
• Awudingi ulwazi olukhethekile ukuqonda imishini yalokhu kuguquka. Kungenxa yalesi sizathu ukuthi ilungele kakhulu noma yiliphi ikilasi labatshalizimali. Ukusuka kwabanolaka kakhulu kuya kulabo abasekela izenzo zabo ezindleleni ezilondolozeka kakhulu.
• Izindawo lezi zibopho ezinazo izindawo ezahlukahlukene zokuhlala ngakho-ke ungakhetha okufanele kakhulu ngaso sonke isikhathi. Akumangalisi ukuthi bahlukaniswe njengemikhiqizo eguquguqukayo kunezinye izinto ezivela emalini ngisho nemali engenayo engaguquki. Ngisho nokuzihlanganisa nezinye izimpahla zezimali ezifuna kakhulu ngezimali zokutshala imali.
• Bane- ukuphela kwesikhathi okumele uthobele kuzo zonke izimo ukuze ubuyise iminikelo etshaliwe. Kungaba kusuka ezinyangeni ezimbalwa kuye eminyakeni eminingana, kuya ngezidingo zakho zangempela zokutshala imali. Ngoba kuzoba nguwe okuzofanele uthathe isinqumo maqondana nendawo ozoyilondoloza.
• Izibopho zomngcele zikhona eguqulelwe kuzo zonke izabelomali zomndeni. Ngomqondo wokuthi bangabhaliswa kusuka kumanani aphansi kakhulu. Lokhu kungenye yomehluko omkhulu maqondana neminye imikhiqizo yotshalo-mali, ikakhulukazi leyo exhunywe namasheya.
• Ngandlela thile, kwakha isu lokuthi vikela imali yakho ezimeni ezimbi kakhulu. Kufinyelela ezingeni lokuthi ingafakwa kumanani esiphephelo wempilo yonke. Lapho bazokunikeza khona ukuphepha okuningi ukugcina ifa. Akumangalisi ukuthi izibopho azishodi emaphothifoliyo avikela kakhulu.
• Kunjalo awukwazi ukuthenga nokuthengisa sengathi ukuphepha kokulingana kwendabuko. Uma kungenjalo, kunalokho, kuzofanele uzamukele izimo zabo zenkontileka, okuthi noma kunjalo ziqinile. Ngoba azikho ohlwini nsuku zonke, kepha zimaka amanani azo ekupheleni kweseshini ngayinye.
• Lesi sigaba sezibopho sixhunyaniswe kakhulu ne i-premium yobungozi. Ngokwezinga elikhulu izinzuzo zalo ezingatholakala ziyonqunywa ukuvela kwalokhu kuguquka kwezomnotho okubalulekile. Yikho okuzokwenza lo mkhiqizo wezezimali ukukunikeze uhlobo oluthile lwentshisekelo. Kuyinto ephawule lezi zibopho eminyakeni yamuva.
• La Inkinga ye-euro Ingenye yezingozi zayo ezinkulu ukuze ikwazi ukuthuthukisa imbuyiselo abakunikeza yona kulondolozo lwakho. Ngoba impela, lubucayi kakhulu ezinkingeni ezimakethe zemali. Njengezimpahla ezimbalwa zezezimali okwamanje. Ukusuka kuleli phuzu kungumkhiqizo wezezimali okhethekile. Futhi-ke kufanele ukwazi ngaso sonke isikhathi.
• Ngenkathi inzuzo enkulu yokutshala kwakho imali yilokho zitholakala kalula. Ngokunikezwa okubanzi emakethe yezezimali. Kusuka ebhange lakho ngeke ube nankinga yokwenza ngokusemthethweni noma yiluphi uhlobo lomsebenzi.
• Awukwazi ukuwasebenzisela imigomo emide ngokweqile ngoba angakuholela ezikhundleni okuyizinto eziyinkimbinkimbi ngokuthanda kwakho njengomtshalizimali omncane naphakathi. Kuhlelo Izikhathi ezibekiwe ezimfushane lapho izibopho zomngcele zisebenza kahle kakhulu. Kuyinto okufanele uyicabange kusukela manje kuqhubeke.