Izikweletu zokutshalwa kwemali emakethe yamasheya

izikweletu zokutshalwa kwezimali

Izikweletu zokutshalwa kwemali? Enye yezinkinga ezinkulu zokutshala imali emakethe yamasheya itholakala ezimweni lapho izikhundla ezithathiwe zilahlekile futhi ezingamakwa kakhulu. Hhayi nje kuphela ngenxa yokwehla kokulingana, kepha ngoba kungenzeka kube njalo udinga ukuhlenga iminikelo ukuze ubhekane nezindleko ezithile eziphuthumayo: hlangana nezibopho zakho zentela, ukhokhe imali yokuqasha ifulethi, noma ubhekane ngqo nenkokhelo engabonwa kusabelomali sakho.

Njengoba ubhekene nalesi simo, kunezinketho ezimbalwa ongazisebenzisa. Kuphakathi kokuthi uthengise amasheya ngokukhubazeka, noma ngokuphambene nalokho, uzama ukuthola ezinye izindlela ezanelisa ngokwengeziwe zezintshisekelo zakho. Ngokombono wakho njengomtshalizimali omncane, kusukela manje kuya phambili unesisombululo esingakusiza kulezi zimo, futhi kulula ukuthi usazi. Imayelana nokwamukela enye ye- izikweletu zokutshalwa kwezimali izinhlangano zebhange ezenziwe.

Izikweletu zokutshalwa kwezimali zingumkhiqizo oxhasa ngemali okunika imali ukukuvimbela ekwenzeni i ukusebenza kwe-lousy ezimakethe zokulingana. Zakhiwa ngezimo zenkontileka ezingahlukile ngokweqile kweminye imithombo ehlukile yezezimali. Inani eliphakeme abalinikeza abafakizicelo babo alibanzi kakhulu. Kepha okungenani kuzokusiza akudingeki uhlehlise izikhundla ezimakethe ezikhathini ezimbi kakhulu zokutshalwa kwezimali.

Anjani la makhredithi?

Kumnikelo wamanje webhange, imigqa eminingi yesikweletu yalezi zici ayicatshangwa. Ngokuphambene nalokho, yiziphakamiso eziqondile ezingakhombisi ukuthambekela okuningi kumasu amabhange. Futhi ukuthi njengenjwayelo kulawa macala kuzokucabangela ezinye izintshisekelo ezizofanele zengezwe ekusebenzeni. Ekugcineni, kumayelana nokubambelela ezikhundleni zakho emakethe yamasheya kuze kube ukuvela kwamanani abo ububanzi - okungenani - inani lentengo, futhi akudingeki uzithengise ngaphambi kwalesi simo esingesihle.

Azisebenzi nje kuphela ukuvikela ukusebenza kwemakethe yamasheya, kepha futhi okunye okuphuma kokulingana (izimali zokutshala imali, iziqinisekiso, ukuthengiswa kwezikweletu, njll.). Amabhange ngeke adinge noma yisiphi isiqinisekiso semvume yawo, kepha isiqinisekiso sokusebenza sizomelwa ngotshalo-mali uqobo. Ngalokhu, unemigomo yokukhokha eguquguqukayo kakhulu, engashintshwa ngezidingo onazo, futhi ezihlukile esimweni ngasinye.

Ngaphansi kwalesi simo esivamile, iziphakamiso onazo njengamanje zisuselwa kumamodeli athile. Enye yazo yi-Investment Loan uBankia abephethe ukumaketha kwabasebenzisi abakulesi simo. Kubonakala ngoba nguwe okhetha isilinganiso senzalo lapho indlela yezimali ixhunywe khona. Ingalungiswa noma iguquke, ngokuya ngezidingo zakho, futhi-ke, iphrofayili oyethula njengeklayenti. Futhi lapho bakunikeza khona nethuba lokukhokha izitolimende eziyi-14 zonyaka ukusheshisa inqubo.

Enye indlela ongasizakala ngayo ivela kuKhredithi Yezimali eyakhiwe yiDeutsche Bank. Kulokhu, kuzofanele uthathe izintshisekelo ezinomusa, ukwazi vala lo msebenzi esikhathini esiyiminyaka eyishumi. Nokuthi igcinwa inezimo ezisemgqeni ofanayo nalezo ezivezwe kuzimpawu ezivame kakhulu zalo mkhiqizo wasebhange.

Ayini la makhredithi?

ukutshalwa kwezimali kwesitoko

Inhloso yalezi ziteshi zokuxhasa imali icacisiwe kakhulu, futhi kufanele wazi ukuthi ungazifuna nini, futhi okubaluleke kakhulu, yiziphi izimo ezingaba khona ukuthi ukwazi ukungenela lolu hlobo lwamakhredithi akhethekile. Kuzoba yilokho okukuhlukanisa neminye imigqa yezezimali. Futhi nokuthi ungazihlelela ngokuyisisekelo kulezi zimo ezilandelayo.

  • Ngesikhathi esifanele lokho udinga ukonga ukubhekana nenkokhelo ephuthumayo, kepha imali oyongele imali yakho itshalwe kumasheya, futhi ngaphezu kwalokho, ulahlekelwe yimali ezindaweni ezivulekile.
  • Lapho kukhuphuka nentengo yenani, akukufanele ukuqedela umsebenzi ngoba ucabanga ukuthi imali oyongile kungabuyekezwa ngaphezulu nangaphezulu.
  • Nini awunazo izinsiza ezidingekayo maqondana nezindleko eziza kuwe ezinyangeni ezizayo.
  • Ukuthola noma yikuphi intela inzuzo yezikhundla zakho, hhayi kuphela emholweni oguquguqukayo, kepha futhi nasemholweni ongaguquki, nakwezinye izinhlobo zokutshala imali.
  • Ezimweni lapho kufanele lungisa ukuphela kwemikhiqizo ukuthi ubhalisele ukwenza ukonga kube nenzuzo, futhi ngalokho-ke, ngeke ukwazi ukuthengisa ngaphansi kwezimo obukade uzifuna ekuqaleni.
  • Lapho ekugcineni inketho yakho yokungathengisi izimali kungumsebenzi onenzuzo enkulu, futhi ongakwazi kuwo uthole izinzuzo eziningi ezengeziwe, ngaphezu kokucabanga kwakho.

Ukuqashwa kwabo kuzosho ukuthini kuwe?

Ukubhaliswa kwamakhredithi otshalo-mali kuzokucabangela uchungechunge lwezindleko ekuphathweni nasekugcinweni kwawo okuzodingeka ukuthi ukuhlole ukuze ubone ukuthi kufanelekile yini ukwenza lesi sicelo ebhange. Hhayi ngeze, kuzosho izinkokhelo ezingeziwe ezizothinta ibhalansi ye-akhawunti yakho yokuhlola. Uyafuna ukubazi?

  1. Bazosebenzisa a inani lenzalo okuthi kuzo zonke izimo kudlule umgoqo ongu-7%, futhi okuzofanele ubhekane nawo ezinyangeni ezimbalwa ezizayo, futhi uze uvale lo msebenzi.
  2. Okungenzeka amakhomishini angabandakanya ukwenziwa ngokusemthethweni kwalo mkhiqizo, nokuthi esimweni esibi kakhulu kungakhuphuka kuze kufike ku-3% wemali efunwayo.
  3. Ukwanda kwe- izinga lesikweletu Inqobo nje uma usebenze ukunikezwa kwale mali, ngohlelo lwesitolimende nyangazonke oluzokwenza uvumelane kangcono nesabelomali somndeni.
  4. Noma ikuphi ukwephulwa kwezinkokhelo kuzosho wena izinhlawulo ezinzima lokho kuzokwenza usebenzise imali eningi kunaleyo obekuhlelwe ngayo. Ukwazi ukudala inkinga engaphezu kweyodwa.
  5. Ngokuphambene, abanazindleko zokuphathwa noma ukunakekelwa kwabo, kodwa noma kunjalo kuzoba lula kakhulu ukuthi ufunde ukuphrinta okuhle kwenkontileka ukuthola noma iyiphi inkokhelo efihliwe, kanye nemali yayo yangempela.

Izidingo zamabhange

izidingo zebhange

Njengakuzo zonke izinhlobo zamakhredithi, azodinga iziqinisekiso zokukunikeza. Zikulayini ofanayo wesinye isigaba semalimboleko. Ezimweni eziningi kuzodingeka ngokuphelele kuwe ukuthi unikele ngamaholo (impesheni), noma okungenani umholo ojwayelekile. Kuzokusiza futhi ukuthi ungabi neminye imigqa yesikweletu onikezwe ngayo, ebhizinisini lakho nakwamanye amabhange. Futhi uma ungakwazi ukuxhasa ubumbela bakho nge-solvent kanye ne-akhawunti yokuhlola enempilo, khona-ke kungcono izintshisekelo zakho.

Ngakolunye uhlangothi kuzobaluleke kakhulu nokuthi awufakiwe kunoma yiluphi uhlu lwabakhokhayo (ASNEF, RAI noma efanayo). Njengoba uma kunjalo, ngeke ube nenye indlela ngaphandle kokubheka ezinye izinketho zezimali ngoba bazokwenqaba isicelo sakho ngokuphepha okuphelele. Ngisho kuzingxenyekazi zezezimali zokunikeza imali mboleko esheshayo. Kukulungele-ke ukuthi ungabi nezikweletu namabhange, kepha hhayi nezwe, futhi nezinsizakalo eziyinhloko zekhaya (ugesi, amanzi, igesi, njll.).

Futhi-ke, ukuthi ubona ukuthi uyidinga ngempela le mali. Ungakwenzi ngokumane ubeke, noma ungagwemeki ukubhekana nezindleko eziningi kwi-akhawunti yakho yokuhlola. Njengoba ubuzokwengeza zona kuphela. Futhi kuyini kodwa, ngendlela engadingeki kakhulu. Isidingo sakho kufanele sihanjiswe ezimweni eziphuthumayo kakhulu emnothweni wakho wasekhaya, hhayi kwezinye.

Yimiphi imigomo ongayifinyelela?

credits ukutshala

Ngalo msebenzi wezezimali ungafinyelela izinhloso ezifunwayo, futhi kungahle kube nenzuzo kuwe. Noma kungenjalo kuzo zonke izimo kukhula ngale ndlela. Ukwazi ukuthi uphumelele ekunikezeni lesi sikweletu, akukho okunye ongakwenza ngaphandle kokuhlaziya imiphumela yaso yokugcina.

  • Lapho usuthole imvume yesikweletu ngaphansi izimo ezingcono zokuthola izinkontileka, futhi ikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwayo.
  • Okwamanje lapho ukuvela kwezikhundla zakho kumanani (noma kulungisiwe) Ngikufezile okulindele, kuze kufike ezingeni lokuthi izinzuzo ezinkulu zifakwe unomphela kwiphothifoliyo yakho yokutshala imali.
  • Through the iqoqo lezabelo izikhundla ezivulekile emakethe yamasheya. Futhi lokho kunganikeza ukubuyiselwa okungaguquki nokuqinisekisiwe okufika kuma-8%,
  • Inqobo nje uma ukusebenza kwezimali zakho yeqa izindleko okusho ukuthi kuzothathwa isilinganiso senzalo amabhange azosebenza kuwe ngokunikeza lesi sikweletu.
  • Ekuzameni ukunciphisa izimo ezinamacala amabi kakhulu ezimakethe zezezimali, zonke izinkomba zikhona abanjwe ukunyakaza kwe-bearish okusalungiswa okujulile.
  • Futhi ugcine inqobo nje Akucabangi ukuthi ukhuphule izinga lesikweletu ngendlela eyingozi, kuze kube seqophelweni lokuthi isimo esijwayelekile sama-akhawunti akho siqu sibe sengozini.

Amathiphu

Kuyizikweletu okufanele uzisebenzise kuphela ngezikhathi ezithile. Akukaze kube ngaphansi kwezimo okuhlukumeza ukufunwa kwakho, noma ngabe izinto bezizimbi kakhulu ezimakethe zezimali. Ungakhohlwa ukuthi unezinye izindlela ezanelisa kakhulu ukuxazulula le nkinga yokutshala imali onayo ngesikhathi esithile.

Phakathi kwalezi ezinye izindlela zokuxhasa ngezimali ungakhetha i- izikweletu phakathi kwabantu ngabanye. Ngezimo ezizuzisa ngokwengeziwe izintshisekelo zakho, ngoba zihlanganisa izindleko ezimbalwa ekusebenzeni kwazo. Futhi ngaphandle kokukhohlwa ukuthi ilungu lomndeni lingahlala likusiza ukuphuma kule nkinga etholakala ngokutshalwa kwemali oyilondolozile.

Kunoma ikuphi, kuzodingeka ukuthi uhlaziye igama lapho imali yakho iqondiswe khona: emfushane, ephakathi nendawo ende. Ngokuya ngabo, isu okufanele ulisebenzise lizohluka kakhulu ngokuya ngesidingo solayini wesikweletu.


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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.