Ukonga: ukutshala imali emakethe yamasheya ngokufaka imali

Uma ufuna ukunciphisa izingozi ezitshaliwe ezimakethe zamasheya, zinecebo lokwenza izifiso zakho zokonga ngempumelelo kakhulu. Imayelana nokuzishayela ngokusebenzisa i- Imali yesikhathi exhunyaniswe nokuthengiselana kwemali. Akhiwa amabhange amakhulu ezweni, abeka ezandleni zamakhasimende abo enye indlela yokutshala imali abayongele imali yabo, nokuthi bangakwazi yenza inzuzo iminikelo yabo maqondana namamodeli akudala kakhulu ale mikhiqizo.

Izimo ezixhunywe ku-Equity zisekelwe esenzweni esilula kakhulu. Ingxenye yomkhiqizo yenziwa ngaphansi kwama-royalties wendabuko, ngokuvuna okuphansi kakhulu, okungajwayelekile kweqe u-0,75%, njengokwehla kwentengo yemali. Ngenkathi elinye iqembu lixhunywe ku ubhasikidi wamasheya ezifakwe kuhlu emakethe yamasheya, noma ingabuye yenziwe ibe semthethweni nezinye izimpahla zezezimali, kuze kube seqophelweni lokuthola izingqinamba ezixhunyaniswe nezinsimbi eziyigugu.

Njengomphumela waleli qhinga eliyingqayizivele, abonga imali bazokwazi ukuthola amamaki enzuzo ephezulu kumkhiqizo. Hhayi ngokweqile noma, kepha okungenani njengoba ukusondela kakhulu endaweni engu-2%. Ngenye yamathuba okuthuthukisa kakhulu ukusebenza kwamadiphozithi asebhange, sishiya imiphetho yaso eseceleni. Futhi lokho kuziphoqa ngokwengeziwe nangokwengeziwe emkhakheni wezezimali ukukhulisa ukonga ngale ndlela entsha.

Kodwa-ke, kuzodinga imibandela ethile, okungaba nzima kakhulu ukuyifinyelela. Bahlala ekutheni kufanele ufeze izinhloso eziphansi eziphasayo ukufinyelela amazinga athile ngentengo yesabelo. Kwesinye isikhathi zifuna kakhulu. Uma kufinyelelwe, siyakuhalalisela, ngoba uzobe uzuzile ukuthi izintshisekelo zikhula kakhulu. Kepha akufanele ukhathazeke kakhulu uma ungaphumeleli, ngoba imbuyiselo encane yamadiphozi ethemu iqinisekisiwe, yize kulokhu ngeke ukwazi ukuthuthukisa amamaki.

Isu elilondolozayo kakhulu

Akunzima kakhulu kuwe ukuthola noma iyiphi yale mikhiqizo kumbhange wamanje, neziphakamiso zazo zonke izinhlobo, nokuthi kuthinta kakhulu izimakethe zamasheya (ubuchwepheshe obusha, ezezimali, ezikagesi, njll.). Kukuziphi izimo lapho kufanele uvule izikhundla kule mikhiqizo? Uma ungumtshali-zimali ozivikela ngokweqile, noma umane ungafuni ukuthatha izingozi ngokweqile ezimakethe zezimali, uzoba nethuba lokuthola enye yalezi zinhlobo.

Ngakolunye uhlangothi, bazokuvumela ukuthi ungene ezimakethe zamasheya, kepha ngokuvikelwa okuphelele kwimali oyongile. Ukugcina imbuyiselo eqinisekisiwe, kungakhathalekile ukuthi izimali ziguquka kanjani ezimakethe. Akumangalisi ukuthi enye yezinzuzo ezinkulu ezilethayo ekuthuthukiseni leli qhinga ukuthi kuhlala kunjalo uzoba nayo yonke iminikelo yakho yezezimali uma kufanele, nangaphandle kokuzibeka engcupheni ephikisana nezintshisekelo zakho.

Futhi okunye, awudeli ukuhlala kude nezimakethe zezezimali. Ukwazi ukusizakala ngokunyakaza okunamandla kwalokhu ukwenza imisebenzi yakho ibe nenzuzo. Njengoba uzokwazi ukuqinisekisa kule ndatshana, ngeke kube khona imfihlakalo ekwakhiweni kwayo, ingasaphathwa eyokusebenza kwalezi zimali ezi-atypical. Ziguqulelwa noma iyiphi iphrofayli yesilondolozi, engayenza ibe semthethweni nganoma yisiphi isikhathi.

Imibandela yokuzivumelanisa nabo

Zilawulwa izindlela ezicishe zifane nezinkambiso zendabuko, ezinokuhluka okumbalwa okushaya ngempela. Ngaphandle kuphela kokuthi bacabanga ngezikhathi ezinde zokuhlala unomphela kunamanye amafomethi. Zikhula phakathi kwezinyanga eziyi-18 nezingama-36 cishe. Isikhathi eside ngokwanele ukuze uhlangothi lwezezimali lufinyelele kuzinjongo zalo zokwazisa.

Inani eliphansi, ngakolunye uhlangothi, ukulikhokha livulekele yonke imikhaya, ngoba ungakwazi uyiqashe kusuka kuma-euro ayi-1.000 XNUMX kuphela, ngokuya ngokunikezwa okulungiselelwe yizinhlangano zebhange. Inzuzo etholakala, ngokusebenzisa imodeli ephindwe kabili yemiholo, iyohlala ivuthwa, hhayi ngaphambili, njengoba kwenzeka ngemvamisa ethile namanye amadiphozi.

Kodwa-ke, kuzoba nesimo esibaluleke kakhulu okufanele usicabangele uma uzosibhalisela ezinyangeni ezimbalwa ezizayo. Akuyona enye ngaphandle kokuthi ngeke ukwazi ukuyikhansela kusenesikhathi. Ngaphandle kokuthi, vele, ufuna ukubeka phambili imbuyiselo kumasheya. Ngenxa yalokhu, ngeke ube nenye into ngaphandle kokulinda isikhathi sakho sokuhlala ukuze uthole yonke iminikelo yakho, kufaka phakathi nemali oyitholayo. Zizoya ngqo kwi-akhawunti yakho yokuhlola ngaphakathi kwemigomo evunyelwene ngayo.

Yiziphi izimo ongaziqasha?

Yize kungumklamo ohlinzekwa ngamabhange anokuvama okuthile, ezimweni eziningi kwenziwa ngawo ukukhushulwa okugcina isikhathi, okungatholakali ngaso sonke isikhathi ngomzuzu ofanele. Kepha noma kunjalo, uzoba namamodeli wokonga anele ukwanelisa lesi sidingo futhi wenze ukonga kube nenzuzo ngaleli qhinga. Ngeziphakamiso zazo zonke izinhlobo, ezizokuvumela ukuthi ukhethe phakathi kwamadiphozithi asetshenziselwe iphrofayili oyivezayo njengomtshalizimali omncane.

Ngaphakathi kokunikezwa kwamabhange njengamanje, isiphakamiso esikhuthazwe nguBanco Sabadell sokwamukela lezi zinselelo sigqamile. Kwenze idiphozi ye-Ibex Up 18, isikhathi sokuhlala unomphela izinyanga eziyi-18, nokuthi kunjalo kuxhunyaniswe nenkomba yesitokwe sikazwelonke.

Enye indlela ivela kwimodeli eyenziwe yi-Openbank futhi ekhanyiswe ngaphansi kwegama elithi Depósito Combinado Inversión Duo. Kodwa-ke, kuleli cala elithile, kuzoba nezindaba ezibalulekile okufanele uzicabangele. Ingxenye yotshalomali kuzoba yimali engenayo engaguquki, kanti konke okunye kuzoxhunyaniswa nokukhethwa okubanzi kwezimali zokutshala izimali, imali engenayo eguquguqukayo nengaguquki, ukuyivumelanisa nezici zakho. Ngokuhlala okulingene izinyanga eziyi-13.

Izinzuzo ezifanayo esiphakamisweni sangaphambilini yi-Combined Deposit, ebiphethe ezokukhangisa i-Direct Office kumakhasimende ayo. Ngukutshalwa kwezimali, okuhloswe ngakho esikhathini esiyizinyanga eziyi-13, okuyi hlanganisa ukonga kwendabuko nezikhwama ezihlangene njengefomula ukuze inzalo iphane kakhulu ekuvuthweni. Futhi lokho ekunikezweni kwabo, bakuvumela ukuthi wenze ukudluliswa kwamahhala phakathi kwale mikhiqizo yezezimali.

Ezinye izindlela zokonga

Intsha yalezi zimali ezifakwa ngesikhathi esiyingqayizivele ukuthi azikhawulelwanga kumafa wezezimali axhumene nezimakethe zamasheya, kepha kunalokho zivulelekile kweminye imikhakha yezezimali, kwamanye amacala ngaphansi kwezindlela eziningi ezingase zivele, okungamangaza ngisho ngenxa yokuqina kweziphakamiso zabo. Akumangalisi ukuthi zimboza izimakethe ezahlukahlukene, zidlulisele amamodeli wazo okonga kumamukeli wokugcina, ongeke abe ngaphandle kwabasindisi, njengoba kungenzeka kuwe.

Kunemibono eminingi yokusebenzisa lelisu lebhizinisi, kepha njengesibonelo, sisele nabanye babo ukuze ukwazi ukuwaqoqa kusukela manje. Ngaphandle kokungabaza, inkomba yokuma kwemali mboleko yempahla ebanjiswayo, i-Euribor, ingenye ebaluleke kakhulu.

Ngokwezinga lapho i-Kutxabank ithuthukise ukubekwa kwalezi zici ezisebenza njengehlelo leSubeybaja Deposit. Ihlukile kwamanye amafomethi ngoba kunika abafaka imali ithuba lokuqoqa inzalo kusengaphambili (njalo ngenyanga, ngekota, semi-ngonyaka noma ngonyaka). Inomphela obekelwe isikhathi esimaphakathi, ngoba kubalulekile ukuthi kudlule iminyaka emi-2 ukubuyisa iminikelo nezintshisekelo. Futhi kusuka enanini eliphansi lama-euro angama-6.000.

Ukuhlaziya ukunikezwa kwamanje okukhona ezikhungweni zezezimali kuleli banga lemikhiqizo, kungenzeka ukufinyelela kwezinye izinhlobo ezisuselwa kunkomba yokuthola imali mboleko yezindlu. Le yiFlexiDepósito, eyenziwe yiCajamar yamakhasimende avikela kakhulu ukuyiqasha. Futhi kulokhu kulokhu kwethulwa kubabeki bezimali ngokushintshashintsha okukhulu ukuthola inkokhelo yezintshisakalo zabo. Kusuka eminikelweni engabizi kakhulu kunoma iyiphi iphrofayili elondoloziwe, kusuka kuma-euro angama-600 kuphela.

Izindlela zokupheka ezinhlanu zokuziqasha

Njengoba le yimikhiqizo ehloselwe ukonga ngezinto ezingacacile kangako, zenza isu lakho kufanele lishintshe ukuzivumelanisa nezinto ezintsha abazivezayo. Kufanele ukwazi lokho Yize zinikezela ngesixhumanisi sezimali, zingumklamo osuselwe kokungaguquki. Akumangalisi ukuthi ubungozi obuthwele cishe abukho, ukuvikela izimpahla ezifakiwe ngaso sonke isikhathi.

Naphezu kwakho konke, nokwenza imisebenzi yakho ibe nenzuzo, ngeke ube nokhetho ngaphandle kokungenisa uchungechunge lwamathiphu azokusiza kuwe ukuhlobana nalolu hlobo lwemikhiqizo yasebhange. Futhi isicelo sabo esizoba lula kakhulu ukukhuthaza ukonga, ngaphandle komzamo wakho. Futhi lokho kuzofingqwa emigqeni elandelayo yokusebenza.

1. Ngaphambi kokuziqasha kuzodingeka ukuthi wena qiniseka ngama-indices lapho utshalomali lwakho luzosuselwa khona. Akukhona ukuthi uzibeka engcupheni, Cha, kepha kufanele wazi ukuthi yiziphi izikhathi ezifanele kakhulu zokuzifaka ngokusemthethweni ngeziqinisekiso ezithe xaxa.
2. Kusobala ngokwanele ukuthi ungathuthukisa ukusebenza kwamadiphozithi, kepha inqobo nje uma izimo ezithile kuhlangatshezwana nokuziphendukela kwazo ezimakethe. Futhi lokho ngakolunye uhlangothi, kuziphakamiso ezithile, zingafuna kakhulu.
3. Izinkokhelo ozodinga ukubhekana nazo ngeke zande kakhulu, kude nazo, kepha ungavula izikhundla ngaphansi kwama-euro angama-1.000, futhi ikhululwe ngokuphelele kumakhomishini nakwezinye izindleko ekuphathweni kwayo.
4. Zivulekele kunoma yiluphi uhlobo lokutshala imali, ngisho nokuxhumanisa izintshisekelo zakho nalezo zezimali eziyinhloko zokutshala imali, kungabi ngaphezu kwama-50% otshalo-mali.
5. Futhi ekugcineni, kungukunikezwa okungabanzi njengalokho okwenziwe ngamadiphozithi wendabuko. Ngalokho, ukukhetha kufanele kucatshangelwe kakhudlwana, ngisho kuthatha isikhashana uze usayine inkontileka.