Ukubuyiselwa kwemali mboleko, kungcono ukunciphisa isitolimende noma inani lezitolimende?

Khokha imali ebolekiwe ngesikhathi noma ngesitolimende

Lapho i- ukukhokhelwa kwemali mboleko, imali eyake yanikezwa phambilini iyabuyiselwa. Ngokuvamile, izitolimende zikhokhwa njalo ngekota, njalo ngenyanga, njll., Ngayinye ezohlanganisa ingxenye yemalimboleko eceliwe kanye nenzalo etholakele.

Lapho ufuna ukuqhubeka nokukhokhelwa okukhokhelwayo kwezikweletu okuvela ekufakweni kwemali mboleko yangaphambilini kumabhange noma ezikhungweni zezezimali, kujwayelekile ukuzibuza ukuthi iyiphi indlela noma isu elifanele kakhulu lokuzikhokha.

Kulezi zimo, izinqumo kufanele zenziwe ngokuya ngemininingwane ethembekile futhi kucatshangelwe okwedlule kwabanye abasebenzisi. Kuzoba khona okuhle nokubi; ubuhle nobubi obuzosekela noma budicilele phansi isenzo esithile ngaphansi kwezimo ezithile.

Sihlaziya futhi siqhathanise kulo mbhalo, okuqukethwe okusivumela ukuthi siphendule umbuzo uma kuzoba ngcono ukunciphisa izitolimende, noma kunalokho sinciphise inani lezitolimende, ukuze sikhokhe imali ebolekiwe.

Ngaphambi kokuphawula nokugxila kulesi sigaba, sizoxoxa kafushane ngamanye amaphuzu ahlobene nodaba lokukhokhwa kwemali mboleko.

Ngokuya ngecebo elikhethelwe uqobo lembuyiselo, lokhu kuncishiswa kwemali kungahle kube okuyingxenye noma okuphelele; ngaso sonke isikhathi kube ukuthambekela kokukhiqiza ukonga kuma-akhawunti alabo abakhokha imali. Inzalo ekhiqizwayo izoba yenani elincane, noma ngabe inani noma isikhathi sincishisiwe, kucatshangelwa ukuthi umsebenzi awukaze unciphiswe amakhomishini okukhokha kusenesikhathi wemalimboleko.

Ukuncishiswa kwemali mboleko ngeke kuvame ukwenzeka ekuqaleni kwayo. Kufanele ulinde izinyanga noma iminyaka ukuze ukwenze, futhi lokhu kuzoya ngezimo zesivumelwano esenziwe nebhange.

Ibhizinisi ngalinye kanye nomugqa wesikweletu uzonikezela ngemigomo ehlukanisiwe, okumele ifundwe phambilini  ukuze uhlole ukuthi kungenzeka yini ukusizakala ngokukhokha kusenesikhathi kwemali mboleko okukhulunywa ngayo.

Amafomu Wezezimali ukukhokhiswa kwemali mboleko

Ukukhokhelwa kweFrance Ingenye yezindlela ezivame kakhulu futhi ezilula zezimali ezikhona, ezibandakanya ukukhokha imali efanayo kuzo zonke izikhathi. Kuzoba nesabelo kanye nosuku lweklayenti, imvamisa ngosuku olufanayo lwenyanga ukwenza imbuyiselo. Uhlobo olufanayo lokukhokha luyohlale lubhekiwe, olungaba nenkinga ngezikhathi ezithile zonyaka noma izinkathi lapho ukuxazululwa kwezezimali kulungiswa kakhulu. Kuyadingeka ukuthi kube nemali eyanele ukuze ukwazi ukuhlangabezana nokukhokha ngokusho kosuku okuvunyelwene ngalo kwisivumelwano semalimboleko.

Okunye okungenzeka kube yisilinganiso esandayo, indlela lapho kuzokhokhwa imali eyehlisiwe ekuqaleni, ezokhula ngokuhamba kwesikhathi. Inzuzo yayo ebaluleke kakhulu ukuthi ungaba nesikhathi eside ukufeza noma uhlele isu lokukhokha eliphumelelayo.

Ngakolunye uhlangothi, isitolimende esincishayo sihumushela kokuhlukile kokukhokha okuphezulu ekuqaleni nangaphansi kwesigaba sokugcina. Kuthathwa ngabaningi njengendlela yezingxoxo engeyona ekahle, yize ilula ngaphansi kwezimo ezithile.

Njengoba izinyanga ziqhubeka, izimali ziyancishiswa futhi kungenzeka ukuphatha izimali ngenkululeko ethe xaxa. Ungaba netafula lokunciphisa imali mboleko, elenza lula ulwazi ngenani lezitolimende ukuhlela izinkokhelo. Kunconywa ukuba nokonga imali ukuze ungaphumeleli ekuzibophezeleni kwezinyanga zokuqala.

Ukubuyiselwa kwemali ngempumelelo

Uyikhokha kanjani imali ebolekiwe

Ukuze uphumelele ekuzuzeni inzuzo isikweletu sasebhange ngaphandle kokwehluleka noma ukwehluleka kwizitolimende okuvunyelwene ngazo, umuntu ofake isicelo semalimboleko kufanele ahlele kahle izindleko zakhe nomholo wakhe, akwazi ngaleso sikhathi ukwazi umkhawulo wokusebenza kwezezimali anakho.

Okubaluleke nakakhulu yilokhu Izinga lesenzo uma unebhizinisi lakho. Ngaphandle kwalokho, uma usebenza ngokujwayelekile noma uqashwa, kufanele ucacise futhi ube namandla okulawula umholo wanyanga zonke ukuze ukwazi ukukhokha imali yasebhange, futhi ngesikhathi esifanayo ukwazi ukuphatha ama-akhawunti akho.

Uyalulekwa ngochwepheshe ukuthi uqale umsebenzi noma wandise ibhizinisi elivele likhona lapho ufaka isicelo semalimboleko. Uma unesikhathi sokusebenzisa uhlobo oluthile lwebhizinisi noma umsebenzi, kungenzeka ukuthi uzoba nedatha ephatha ukuphatha okulindelwe okuyikho mayelana nezinzuzo zanyanga zonke ezizotholwa, ngaphandle kwalokho kuzodingeka usebenze ngokungaqiniseki okuningi.

Uma, ngemuva kokufaka isicelo semalimboleko, izinzuzo zanyanga zonke ezitholakalayo zikwazi ukumboza izitolimende okuvunyelwene ngazo kalula, futhi ukulindelwa kokukhulisa izinzuzo ngotshalo-mali kuqinisekiswe ngomqondo omuhle wokuthola amathuba, kungathathwa njengokuhamba kwemali okufanele .

Ukukhokhwa kwemali mboleko ukunciphisa izitolimende nenombolo yemigomo

Ngemuva kokuthola imalimboleko futhi ngemuva kwesikhathi esithile, isimo sezomnotho somuntu ofake isicelo semalimboleko singashintsha noma sithuthukise yena ngenxa yezizathu ezahlukahlukene, noma ngabe zenzelwe inhloso noma zilindelekile. Ezimweni eziningi isikhundla esizwakala kakhulu kungaba ukubuyisa yonke noma ingxenye yemali eceliwe. Ngokuvamile, izintshisekelo ezisetshenziswa ebhange zizoncishiswa, lokhu kube ngesinye sezisusa eziyinhloko zokuthuthukisa intela.

Kufakwa umbuzo. Ngabe kulula kakhulu ukunciphisa imali ekhokhwa nyangazonke noma ukhokhe inani elifanayo njengakuqala kodwa ngesikhathi esifushane?

Uma kubhekwa lezi zinguquko ezimbili zokugcina futhi kuya ngesidingo esinaso ngesikhathi esithile, ngaphezu kwalokho kubhekwa nenhlokodolobha ezonqunywa, kufanele ihlolwe ukuthi yiziphi izindlela zombili umuntu onentshisekelo angazisebenzisa kuzo.

Ngaphambi kokukhetha isu lokukhokha imali mboleko, kubalulekile ukwazi nokutadisha imibandela yenkontileka. Lokhu kungaqukatha inhlawulo uma kuthathwa isinyathelo sokuncishiswa kwemali, ikhomishini ebizwa ngokuthi ikhomishini yokukhokha kuqala. Ayinakweqiwa kusuka kumaphesenti abekiwe. Isikhathi esifushane sokuhlala leli phesenti ngokuvamile lehliswa.

Ngakho-ke kubalulekile ukuzihlolela mathupha ukuthi imali yongiwa kanjani ngokukhokhelwa kwangaphambi kwesikhathi, lo mcimbi uhlobene nokukhokhwa kwekhomishini yokukhokha. Uma kungumehluko omncane kakhulu, kungaphethwa ngokuthi akukufanele ukwenza ukukhokhiswa kwemali ngale ndlela kulayini wesikweletu.

Okufunwa njalo ukuthi lolu hlobo lwekhomishini alufakiwe, kuzanywa ukuthi ukunyakaza kwamabhange kuholele ekwenzeni inzuzo ethe xaxa ngokonga okukhulu. Kuyaziwa ukwamukela ukuthi ukunikezwa kwebhange njengamanje kuvumela amakhredithi ngaphandle kweKhomishini yokukhokha ngaphambi kwesikhathi.

Kungenzeka ukubala ukuthi isikhathi noma isitolimende sokukhokha semalimboleko sizohluka kanjani lapho kukhokhwa kusengaphambili, kusetshenziswa ama-simulators wokukhokha imali engaphelele, enza ukubalwa kabusha kwethemu noma isitolimende.

Ukuncishiswa kwemali mboleko ngokwehla kwesitolimende

Khokha imali ebolekiwe

Lolu hlobo lokwehliswa kwemali lwenziwa lapho inani elincane lemali likhokhwa inyanga ngayinye ngesikweletu esatholwa, kepha kugcinwa isikhathi sokuvuthwa esifanayo naleso esivunyelwe. Kuyindlela ebhekwa njengevumayo uma inhloso ukuthola ukukhululeka okukhulu ngenyanga mayelana nokukhokhwa kwemali mboleko.

Cabanga ngendaba lapho umuntu anikezwe imali mboleko yama-euro ayi-10.000 eminyakeni emihlanu, lapho inzalo izoba ku-5%. Uma lowo muntu ebheka ukuthi isimo sakhe sezezimali sinomthelela omkhulu ekwehlisweni kwe-quota, isu eligcina ngokusimama elifanayo lizogcinwa, yize kubalwa kabusha isilinganiso sanyanga zonke. Ngale ndlela, imali ekhokhwa njalo ngenyanga ezokhokhwa izokwehla isuka ku- € 10 iye ku- € 212.47. Lapho imalimboleko iphela, inani eliphelele le- € 191.22 lizobuyiselwa. Ngendlela ebonakalayo, inzalo izokwehliswa ngo- € 11.473.

Ukukhokhelwa kwemali mboleko kunciphisa isikhathi nokugcina isitolimende

Esimweni esinjalo, kuzogcinwa i-quota efanayo, kepha izinyanga zokwenziwa ngokusemthethweni komsebenzi wezezimali zizoncishiswa.. Ake sicabange ukuthi ukhetha ukugcina imali engu- € 212.47, ngale ndlela uzobe ukhokha isikhathi esiyizinyanga ezingama-53; esikhundleni sezinyanga zokuqala ezingama-60 obekufanele zenziwe. Ngakho-ke, isibopho semalimboleko ekugcineni siyoba ngu- € 12.261.

Esibonelweni sikakhonkolo esinjengalesi, ukuncishiswa kwemali kubhekwa njengesiphakamiso esihle kakhulu ngokubheka ukukhokha imali encane.

Kunconywa ukuthi ucele ithebula eliphelele lokuncishiswa kwemali esikhungweni sezezimali okukhulunywa ngaso esisetshenziswayo, bese wenza ukulingisa, ukwazi ngokusondela kakhudlwana nangokuqiniseka uma esimweni esithile kuzozuzisa kakhulu ukukhipha imali kusengaphambili ngethemu noma ngesitolimende.  

Ithemu Vs. Quota Yikuphi okufanele ukhethe?

Lapho inhloso ukonga kakhulu amathuba akhona, into enenzuzo enkulu ukuqhubeka nokuncishiswa kwemigomo. Esimweni esinjalo, inzalo izokwenziwa ngesikhathi esifushane.

Kulabo ababhekana nezimo noma izimo lapho ukucabanga ukuthi imali ekhokhwa nyangazonke ithanda ukuba yinkimbinkimbi, ukunciphisa lokhu kuyindlela yokusebenza ehambisanayo.. Uma ngabe imalimboleko ibinenzalo eguquguqukayo, futhi sinezinkomba zokuthi mhlawumbe izonyuka, kuyindlela esikisela ukusikisela ekwehliseni isabelo ngenkathi kugcinwa isikhathi. Lokhu kuzovimba ukuthi imali ingabizi kakhulu.

Ukunciphisa ithemu kuzoba yindlela yokonga imali eningi, ngoba isikhathi isikhathi esiningi yisona sizathu esizokwenza ukuthi inzalo inyuke.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

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.

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