Ukutshalwa kwezimali ezimakethe zamasheya kwenziwa ngokuthengwa nokuthengiswa kwamasheya ezimakethe zokulingana kwezezimali. Kepha okwamanje unesu lokuqala kakhulu lokunciphisa ubungozi futhi, ngenhlanhla, thola indlela ye- ukusebenza kulondolozo lwakho lokho kudlula lokho kwemikhiqizo yasebhange yendabuko. Kwenziwa ngokufakwa kwemali okwenziwe cishe yizo zonke izinhlangano zebhange. Kungumkhiqizo othize okuvumela ukuthi usebenzise ngokunenzuzo ukuvela okuhle kwezimakethe zezezimali.
Enye yezimpawu zayo ezifanele kakhulu ukuthi akukho sikhathi lapho uzokwazi khona ukwenza ukulahleka. Kepha kunalokho, uzoba nenzalo ehleliwe futhi eqinisekisiwe minyaka yonke. Kuzoba kuncane kakhulu, kepha uma izimo zamanani axhumene namadiphozi ahlangatshezwa, ungazithuthukisa kakhulu lezi zimashi. Kuze kube thola phakathi kuka-3% no-6% cishe inzuzo. Kunoma ikuphi, la madiphozithi anesikhathi eside sokugcinwa kunamamodeli ajwayelekile kakhulu. Akumangalisi ukuthi imvamisa ikhuphukela ezinyangeni ezingama-24 noma ezingama-36 lapho kufanele ube nenhloko-dolobha etholakalayo ingasebenzi.
Enye yezinzuzo ezinikezwa yile miklamo yasebhange ukuthi iguqulelwa kumanani angabizi kakhulu kuyo yonke imizi. Ukufika ezingeni lokuthi usesimweni sokuthola lolu hlobo lwemikhiqizo yasebhange ngenani eliphansi kusuka kuma-euro angama-5.000. Ngakolunye uhlangothi, ahlanganisi amakhomishini noma ezinye izindleko ekuphathweni noma ekugcineni. Bathwala kuphela amanani entengo aphezulu kakhulu wokukhansela kwabo kusenesikhathi futhi lokho kungafinyelela ku-2% enanini elitshaliwe kulezi zimali. Kunoma ikuphi, imishini yayo iyafana neyesinye isikhathi sokufakwa kwemali.
Imali exhunywe kunaniselwano
Isakhiwo salesi sigaba samadiphozi wesikhathi esinqunyiwe sincike ekutheni uthola i inzuzo encane futhi kuvikelwe ngokugcina imali oyongile. Kepha uma kwenzeka, ingakhuliswa ngokuvela okuhle kwebhasikidi lamasheya lapho lo mkhiqizo webhange uxhunywe khona. Uma lokhu kungafinyelelwa, umsebenzisi uzothola ukusebenza lapho idiphozi ithengiswe ngaphansi kwayo. Njengomphumela walezi zici, awusoze uthole ukulahlekelwa kwisitatimende sakho semali engenayo. Lesi ngesinye sezizathu sokuthi kungani senzelwe iphrofayili yomsebenzisi echazwe kahle kakhulu. Umuntu olondolozayo, ofuna ukonga inhlokodolobha yakhe futhi ongafuni ukuzibeka engcupheni ekusebenzeni kwakhe.
Kunoma ikuphi, kuyisu elikhetheke kakhulu ukwenza ngcono amamaki abuthaka ahlinzekwa ngentengo yemali okwamanje. Ngezinga lenzalo lokho kuyaqabukela kweqa amazinga we-0,1%. Ngaphandle kwesidingo sokuziveza ekushintsheni kwezimakethe zezimali, njengokuthengwa okuqondile kwamasheya emakethe yamasheya. Yize ngokuphambene nalokho, ngeke ube nethuba lokuqoqa ukukhushulwa kwikhotheshini yentengo. Ngalesi sizathu, akusona isiphakamiso esinconywe kakhulu sezikhathi ze-bullish ezimakethe zezimali. Imayelana nokukhetha ukuphepha kunenzuzo ngenkathi uthatha izingozi eziningi.
Iziphakamiso ongazibhalisela
Ukunikezwa okunikezwa ngamabhange kulesi sigaba samadiphozithi akubanzi kakhulu futhi kukhawulelwe kuziphakamiso ezimbalwa ezithile. Enye yalezi zinhlobo imelwe yi Idiphozithi Ehlanganisiwe leyo Office Direct ibimaketha iminyaka eminingana. Imishini yakhona ilula kakhulu ukuyiqonda ngoba uhhafu wotshalo-mali umiselwe intela enesikhathi saphakade sezinyanga eziyi-13 esibika inzalo yaminyaka yonke engu-0,4%. Kepha lokho kunganqotshwa uma enye ingxenye yotshalo-mali, leyo emiselwe ukulingana, ifinyelela izinhloso zayo.
Akuyona idiphozi kuphela etholakala emakethe yasebhange. Ngoba empeleni, iziKhwama ze-Combined Deposit BBVA nazo ziyatholakala, ezinikela okungenani ama-30% esamba semali ebisetshenziswe ekuqaleni esikhwameni sokutshala imali futhi sifinyelela ku-0,75% ngonyaka kudiphozi uqobo. Lo mkhiqizo wezezimali ungabhaliswa kusuka kumanani aphansi kakhulu kubo bonke abasebenzisi, kusuka kuma-euro angama-500. Okuhlukile kungenye yamabhizinisi akhethe lelisu elithile. Ukuze ngale ndlela, abafaka imali bakwazi ukusondela emkhawulweni we-1% ngenani lenzalo enikeziwe.
Ukwehlukaniswa kwemali
Lokhu kungukhiye omkhulu lapho kwenziwa khona le mikhiqizo yasebhange. Hhayi ngeze, bafaka imali kumaphesenti angahluka phakathi kwemali engenayo engaguquki neguquguqukayo. Ngokwezinga lapho zingalingana khona, okusho ukuthi, ama-50% kuzona zozimbili izinhlobo ukuze utshalomali olubhekiswe kwamanye amamodeli ahlongozwe kulawa ma-term deposits lungancishiswa. Yize ekugcineni kunguwe onquma ukukhula, inani nezinye izici zale mikhiqizo yezezimali. Ngaphakathi kokunikezwa okuncane kakhulu futhi akufani nakancane nalolu hlobo lwezinto ezikhethekile onazo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi le mikhiqizo ingaxhunyaniswa nezimali noma ubhasikidi wamasheya. Kuya ngokuncamelayo kwakho njengomsebenzisi nezinye izinto okufanele uzicabangele kusuka manje. Kuyindlela ethile enesibindi ye- hlanganisa imali engenayo engaguquki nemali engenayo eguqukayo. Kepha ngesiqinisekiso esigcwele sokuthi lapho uvuthwa iminikelo yezezimali kanye nenzalo ehambisanayo izotholwa. Ngokwanda kwenzuzo maqondana namamodeli wediphozi ejwayelekile. Kulokho okulungiselelwe njengomunye wemikhiqizo yokonga ekhulayo okwamanje, yize kungenasithembiso esicacile esivela emabhange.
Akukho ukulahleka okwenziwayo
Kuzo zonke izimo, ziyimikhiqizo ekhululekile ekulahlekelweni ngenxa yokushintshashintsha kwempahla yezezimali lapho imali itshalwe khona. Lesi ngesinye sezizathu esenza ukuthi bakhiqize isikhalazo esikhulu kubatshalizimali abancane nabaphakathi. Yize ngaphandle kokuthola ithuba lokuthola umfutho wokukhuphuka ezimakethe zezimali. Akusizi ngalutho, uma ufuna ukuthola inzuzo yamanzi enhle kuzoba ngcono kakhulu ukuthi uye ngqo engxenyeni yotshalo-mali olumsulwa. Ukufika ezingeni lokuthi yi inketho enenzuzo enkulu ekunyakazeni okuya phezulu kumasheya.
Ngakolunye uhlangothi, kubaluleke kakhulu kusuka manje ukuthi lolu hlobo olukhethekile lokutshala imali lungaba yisixazululo esifanelekile sokonga imali ezimweni ezingezinhle neze ezimakethe zezezimali. Ngaphezulu kokusebenza kwemakethe yamasheya okunengozi enkulu ekuvikeleni izintshisekelo zakho njengesilondolozi esincane naphakathi. Iqiniso lokuthi a inzuzo Kuyinto a inani elingeziwe ngezikhathi ezithile. Ukuthi kungasebenza njengokutshalwa kwemali kwebhuloho kubheke kwenye imodeli ecacile ezokhiqiza imbuyiselo ebanga kakhulu.
Izinzuzo zalesi sigaba samadiphozithi
Izikhathi zokugcina ezixhunyaniswe nezimali zinikeza uchungechunge lwezinzuzo okufanele uzicabangele uma ufuna ukuzibhalisa ngesikhathi esithile empilweni yakho. Hhayi kuphela ekubukeni komholo, kepha kusuka kwesinye isigaba samasu. Isibonelo, ukukhululeka kwesakhiwo sayo ukusenza sibe semthethweni nganoma yisiphi isikhathi. Kule mibono uzothola izizathu ezingaphezu kwesisodwa zokuthakazelisa lolu hlobo lwemikhiqizo yasebhange. Njengakulezi zenzo ezilandelayo esizozichazela zona ngezansi.
- Akudingi i- ulwazi olukhethekile izimakethe zezezimali, kepha kunalokho kungumkhiqizo ohloselwe zonke izinhlobo zamaphrofayli womsebenzisi. Akuzona izinhlobo eziyinkimbinkimbi futhi ungazisebenzisa kusukela kumzuzu wokuqala.
- Kuzo imikhiqizo okuqinisekisiwe ngakho-ke uzohlala uthola imbuyiselo kulokho okulondolozile. Noma yini eyenzekayo phakathi nesikhathi saphakade lapho la madiphozi amathemu aqondiswe khona.
- Kwakhiwa njengecebo elisebenza kakhulu uku khulisa inzuzo yemali engenayo engaguquki njengamanje. Ukukhulisa ukubuya ngamaphesenti ambalwa eshumi ngokuqhathaniswa namamodeli wendabuko.
- Ukuntuleka kwezindleko kungenye yezikhuthazo lezi zimali ezigcinwe kuzo ngoba kuzokuvumela ukuthi ube ne- ukwedlula imali enkulu ku-akhawunti yakho yokuhlola lapho iphelelwa yisikhathi. Okuthile akwenzekanga ngeminye imikhiqizo ehloselwe ukonga.
- Ziguqulelwa kuzo zonke izinhlobo zeminikelo yemali ngakho-ke ungabeka ingxenye yesikhwama sakho sokonga kulolu hlobo olukhethekile lotshalo-mali. Kusuka kuma-euro angama-5.000 ungaqasha umkhiqizo onalezi zici.
- Uma uzodinga imali etshalwe ezinyangeni ezizayo, akuyona imodeli enhle kakhulu okufanele uyiqashe. Ngoba ine imali yokukhansela kusenesikhathi okufuna kakhulu. Kufika ezingeni lokuthatha ingxenye yezinzuzo ezikhiqizwe kusukela zenziwa ngokusemthethweni.
- Futhi ekugcineni, ngeke ukukhohlwe lokho nganoma yisiphi isimo ngeke uthole ukuhlaziywa kwamadijithi amabili. Noma ngabe izimo ezixhumene nokutshalwa kwezimali kwamanani ziyahlangatshezwa. Okungcono, uzothola ukubuyiselwa okungu-8% kule misebenzi. Ngaphandle kokukwazi ukuthola izimbuyiselo ezinkulu ekusebenzeni okwenziwayo.