Ungayitshala kanjani i-jackpot yelotho kaKhisimusi?

ngakho-ke

Uma okweshumi kwakho kwilotto likaKhisimusi kunikezelwa nge-jackpot, siyakuhalalisela, ngoba ngeke uthole ku-akhawunti yakho yokuhlola akukho okunye futhi okungaphansi kwama-euro ayizi-400.000. Noma yini efanayo, I-20.000 XNUMX nge-euro ngayinye idlalwe. Kunoma ikuphi, akuyona yonke into ezokuya esikhwameni sakho sokonga, kepha kunalokho, kuzofanele ukhokhe intela ngalo mklomelo. Njengomphumela wenqubomgomo yentela, ama-20% azonyamalala njengemiklomelo engaphezulu kwama-2.500 euros, okuyi. Lokhu ngokwenza kusho ukuthi inzuzo ephelele oyothola lo mklomelo omuhle izoba ngama-euro ayizi-320.000. Ngemuva kokwehlisa ama-euro angama-80.000 azohamba aye komgcinimafa. Noma kunjalo, inani elihle elizokusiza ngezinto eziningi.

Isilingo sakho sokuqala kuzoba ukusisebenzisela leso sifiso obukade usilangazelela kangako iminyaka embalwa. Thenga ifulethi olwandle, imodeli yakamuva yemoto esetshenziswayo noma umane uzungeze umhlaba nabangani bakho abakhulu. Kepha mhlawumbe ongakwazi ukuthi ungathola okuningi kakhulu kule mali kunalokho ongakucabanga ekuqaleni. Kanjani? Kulula kakhulu, ukutshala imali ngemikhiqizo ehlukile yezezimali. Ukuze ngale ndlela, ukwazi ukukhiqiza imbuyiselo engaphezu kuka-20%. Lokho wukuthi, ukuthola ama-euro ayi-80.000 ngokungeziwe. Isiphakamiso esihle sokukwenza uma ungomunye wabanenhlanhla kule ngqungquthela kaKhisimusi.

Umqondo okokuqala ukukhetha imakethe yamasheya, kepha bakhohlwa ezinye izindlela zamasheya ezingaba nenzuzo enkulu. Ngalesi sikhathi akunandaba ukuthi uthatha izingozi eziningi ngoba yimali obukade ungenayo nhlobo ekuqaleni konyaka. Futhi yisikhathi esihle kakhulu sokuthi wephule imithetho bese uzama ukukhulisa imali yakho entsha ngokuqhubekayo. Unenhlanhla futhi lesi sikhathi singaqhubeka nobudlelwano bakho nomhlaba wemali notshalo-mali. Kungasiza kakhulu ukuqhubeka uzama inhlanhla yakho futhi. Akumangalisi ukuthi ukuzivocavoca okulandelayo nakho kungaba okwenhlanhla. Awucabangi?

Tshala imali ukhisimuzi ononile

amanoni

Enye yezinketho eziyinhloko onayo okwamanje yokwenza imali ethe xaxa ngomklomelo wakho isikhwama. Kepha ngaphakathi kwalo mkhakha omkhulu kungaba yisikhathi sokutshala imali kwezokuphepha ezinolaka kakhulu kunokujwayelekile. Yebo, isiphakamiso esihle kakhulu simelwe ngamanani obuchwepheshe obusha. Kuyiqiniso ukuthi ezimakethe zikazwelonke awunakho okuningi ongakhetha kukho, ngakho-ke ngeke ube nenye indlela ngaphandle kokushiya imingcele yethu ukuhlangabezana nalesi sidingo esikhethekile. Isibonelo, Izimali ze-US, lapho onawo amanani amaningi alezi zici.

Ezinye zalezi ziphakamiso zemakethe yamasheya zinezintengo zokuncintisana kakhulu futhi zingaba khona ukuvuselelwa kusondele kakhulu kuma-20%. Ngokusebenza ongakwenza inzuzo esikhathini esifushane kakhulu. Njengento engeyinhle, iqiniso lokuthi bakhiqiza amakhomishini anwebekayo kakhulu. Cishe kuphindwe kabili okusetshenziswe kufayela le- izimakethe zezwe. Kepha kuzokufanele ngempela ukuvula izikhundla ezimweni zakho zamanje. Kungani unamathuba amakhulu ngaphambi kokukhulisa umklomelo otholwe ngoKhisimusi.

Ngokuvikelwa: izimali zokutshala imali

Ngakolunye uhlangothi, kuyaqondakala ngokuphelele ukuthi unesifiso sokuvikela le mali oyitholile kulo nyaka. Kulokhu, izimali zokutshala imali ziyisixazululo esifanele izifiso zakho. Kepha hhayi nganoma yimuphi umkhiqizo, kepha ngalabo abanakho amamaki enzuzo ephakeme ukuqhubeka nokwandisa izimpahla zakho ezinyangeni ezizayo. Ngalo mqondo, ukubheja okulungile kunakho konke kusekelwe ekukhetheni isikhwama sokulingana esidalulwa ezimakethe zamasheya ezinamandla kakhulu emhlabeni. Njengoba kungaba njalo ngeNyakatho Melika, i-Southeast Asia kanye nezwe elivelayo elingavamile. Konke lokhu kuhlangene kumkhiqizo ofanayo.

Uma lokhu kungukukhetha kwakho, akungabazeki ukuthi uzobe uphumelele ngoba esikhwameni salezi zimpawu imali yakho izohluka kakhulu. Ozokhawulela ngayo ukulahleka okungenzeka uma ekugcineni bevela kuphothifoliyo yakho yezimali. Futhi nangamathuba amaningi okusondela izinga lenzuzo eliseduze nama-20%. Ngaphezu kwalokho, unokuningi ongakhetha kukho ngenxa yokunikezwa okuhle kwezimali zokutshala izimali abaphathi abazithuthukisile. Yenzelwe iphrofayili yomsebenzisi enolaka kwabanye ngokusika okuzivikela ngokwengeziwe. Ungayihlanganisa nezimpahla ezivela emholweni ongaguquki ukuze unikeze ukuphepha okwengeziwe kuzimali zakho ozitshalile. Yize kuzindleko zokwehlisa izinga lenzalo kule mikhiqizo yezezimali.

Ukubheja ekuweni kwenani

ubuqhawe

Uma iqiniso lokuthi ubongwe ngomklomelo kaKhisimusi likwenze waba nolaka ngokwengeziwe futhi wehluleka ukwesaba ukutshalwa kwezimali, unendawo obekelwe yona. Lesi sikhathi ngokusebenzisa lokho okuthiwa Ukuthengiswa kwezikweletu. Yimisebenzi enolaka kakhulu, kepha izokuvumela ukuthi uthuthukise amazinga enzuzo eminye imikhiqizo yezezimali. Kuzofanele uthole inani le-equity elizokwehla ezinyangeni ezizayo bese ubheja kakhulu kulo kusukela manje. Ingozi izoba phezulu kakhulu, kepha kanjalo nomvuzo. Kuzodingeka ulinde kuphela ukuthi lesi simo sihlangatshezwe. Ngabe uzimisele ukuqala lokhu kusebenza?

Ukuthengiswa kwezikweletu kunzima kakhulu ngoba kudinga i- ulwazi olukhulu lwezezimali kwakho. Uma kunjalo, qhubeka, ngoba amathuba amasha webhizinisi akuvulele kusuka kulezi zikhathi eziqondile. Imbuyiselo ekhiqizwayo ibaluleke kakhulu futhi kwimikhiqizo embalwa yezezimali ungayithola. Kuyithuba eliyingqayizivele kuwe lokwandisa ifa lakho ngendlela ebanzi kakhulu. Noma kungenzeka ukuthi uyeke ukusebenza kusukela manje kuqhubeke. Hhayi ngeze, uzobe udale isikhwama sokonga esinamandla anele okuphila ngemali engenayo kusukela manje kuqhubeke. Okungenani kufana nokucabangela le nketho ngemuva kokuwina i-jackpot kaKhisimusi kulo nyaka.

Imali exhunyiwe

Lokhu kungenye yezindlela ezizezayo esimweni sakho semali esisha. Kepha inqobo nje uma une iphrofayili yokutshala imali evikela kakhulu kunezibonelo zangaphambilini. Ngoba empeleni, kuyindlela yokwandisa imali, kepha ngendlela yamahhala ngokuphelele. Yize ngezimbuyiselo ezincane kakhulu futhi kuyaqabukela kweqa amazinga we-5%. Kepha kulokhu, inqobo nje uma amadiphozi axhumene nempahla ethile yezezimali. Kungaba ngqo kusuka emakethe yamasheya, izinto zokusetshenziswa, noma izinsimbi eziqondile. Ukuphela kwendlela yokwandisa inzalo kulo mkhiqizo webhange, okwamanje onembuyiselo ephansi ecishe ibe ngu-0,50%.

Uma wenelisa le ndlela, uzoba nebhalansi ephezulu kusukela manje kuqhubeke. Ngokuphepha futhi ngaphandle kokuchayeka ngokweqile ezimakethe zezezimali. Ngaphandle kokukhathazeka ngokweqile ngokuvela kwayo. Uma wethula iphrofayili yomtshali-mali ozivikelayo, lesi siphakamiso singavuna izintshisekelo zakho. Ngoba ngeke kudingeke uthathe izingozi eziningi ezindaweni ezingaqondile ezimpahleni ezikhethiwe zezimali kusukela manje kuqhubeke. Kunoma ikuphi, akufanele ulindele okunye kusuka kulezi zimali ezikhetheke kakhulu.

Thenga izibopho zomngcele

ISpain

Njengokhetho lokugcina ezandleni zakho kungenzeka ukubhalisela okubizwa ngokuthi yi-peripheral bond. Zingaba nenzuzo enkulu uma ukuvela kwamazwe aseningizimu yezwekazi laseYurophu kuzoba kuhle. Banamandla wokubuyekeza abaluleke kakhulu, yize ekugcineni kosuku kungumkhiqizo wemali engenayo engaguquki. Ngaphezu kwalokho, ungabhalisela ukukhishwa kwayo ngemali engabizi kakhulu kuyo yonke imizi. Kusuka kuma-euro angama-500 futhi njengoba ufisa ngaphakathi komklomelo osanda kuwina emdwebeni kaKhisimusi. Ngenzuzo eyengeziwe ongeke ube nayo ukukhokha noma yiluphi uhlobo lwamakhomishini, ngisho nezinye izindleko ekuphathweni kwayo.

Kukhona ubuningi obubanzi kwizibopho zomngcele. Ngoba zingavela eSpain, ePortugal, e-Italy, eGrisi nohlu olude lwamazwe asendaweni ye-euro. Kuzodingeka ukhethe kuphela ukuthi iyiphi efaneleke kakhulu ngezidingo zakho zokutshala imali. Ungahle udinge ngisho nezeluleko zikachwepheshe kulezi zimakethe ezikhetheke kakhulu zezezimali. Nesikhathi sokusebenza esiphakathi konyaka owodwa noma emithathu cishe. Ngalo mqondo, akuyona imodeli ehloselwe imigomo emifushane, okufanele ube nemali engenakunyakaziswa isikhathi eside maqondana neziphakamiso zangaphambilini zokutshala izimali esikuvezele zona kulesi sihloko.

Akukhona ukutshalwa kwemali okunolaka, kepha lokho akusho ukuthi awulahlekelwa yimali nabo uma ukuvela kwamanani kungakhonjisiwe kakhulu kuleso sikhathi. Kunoma ikuphi, axhumene kakhulu ne-premium yengozi ethulwa amazwe lapho lezi zibopho zixhunywe khona. Ngalesi sizathu, le pharamitha icishe ibe ngamaphuzu ayi-120 esisekelo seSpain.


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.