Okunye okuhehayo kokuthola izinkokhelo ezifakwa ku-inthanethi ukuthi okwejwayelekile akuvezi imbuyiselo egculisayo yezintshisakalo zakho njengomlondolozi. Ngalesi sikhathi, abavamisile ukunikela ngaphezu kuka-0,50%, yize amafomethi anesikhathi eside kunaphakade ebhalisiwe. Konke lokhu kwavela ngemuva kwezinqumo ze-European Central Bank (ECB) ye yehlisa intengo yemali. Futhi lokho kuholele ekutheni itholakale emiphakathini yomlando, ku-0%. Ngayo yonke imikhiqizo yokonga njengokulahlekelwa okuyinhloko kwaleli qhinga lezimali.
Ukukhulisa ukusebenza kwakho, ngeke kube khona okunye ongakwenza ngaphandle kokubhalisela amamodeli athile angathuthukisa lawa ma-margins wezohwebo. Vele, hhayi amaphesenti amangazayo, kepha okungenani ukubakhuphula phakathi kwengxenye nephesenti. Futhi uthathe kufinyelele cishe ku-1,50%. Kutholakala ngokufaka imali kuxhunyaniswe nezimpahla zezimali (imakethe yamasheya, izinto zokusetshenziswa, izinkomba zezimali, njll.), ukunweba imigomo yaphakade, nokuya kuzipesheli zokukhangisa amabhange abekade eqala njalo.
Kepha naphezu kwakho konke, ungathola enye ifomula ngisho elula yokwenza idiphozi yakho ibe nenzuzo enkulu uma uyiqasha. Futhi ingxenye yamadiphozithi aku-inthanethi, okuyilawo kubhaliswe kusuka eziteshini ezintsha zobuchwepheshe. Kungaba kusuka kukhompyutha yakho yasekhaya, ngokusebenzisa ithebhulethi, noma ngisho nakuselula ohlala uhamba nayo. Akukona ukuthi ukusebenza kwabo kukhuphuka ngokweqile, kepha uzofinyelela ekwandeni kokukodwa kokuyishumi mayelana nezinkolelo zendabuko.
Kwenziwa kanjani ukuthi kufakwe imali kwi-inthanethi?
Lo mkhiqizo webhange unomehluko wokuqala futhi lokho kungukuthi wenziwe ube semthethweni ngokunethezeka, kusuka ekhaya nange-Intanethi ngaphandle kokuya phesheya, noma uwusayine kunoma yiliphi igatsha lasebhange. Ngeke kudingeke nokuthi unikeze i-oda lokuthenga ngocingo. Ngenzuzo eyengeziwe yokuthi lo msebenzi ungakwenza nganoma yisiphi isikhathi sosuku, ngisho nasebusuku uma lokhu kuyisifiso sakho. Akumangalisi ukuthi ukuguquguquka kokuqashwa kungenye yezinqubo ezivamile zale nqubo eku-inthanethi.
Udinga ukufinyelela kuphela nge-password enikezwe isikhungo sezezimali phambilini, futhi-ke, unemali edingekayo yokubhalisela umkhiqizo. Ngaso leso sikhathi, futhi ngaphandle kwesidingo sokuqinisekiswa okuvela kumkhiphi wediphozi yethemu. Njengomphumela wale nqubo, ukwenziwa kwayo ngokusemthethweni kuzoba lula kakhulu kubasebenzisi. Ukwazi ukukhetha phakathi kwamamodeli aveza lesi sici.
Kuneziphakamiso eziningana amabhange amaningi azenzile, ngamagama ahluke kakhulu aqala kusukela okungenani enyangeni eyodwa. Kodwa-ke, iziphakamiso zesikhathi eside zigqama ngokungabikho kwazo. Ukuphathwa, kunoma yikuphi, ngokukhokha inzalo lapho usuvuthiwe. Ngokukhetha okumbalwa ukubathuthukisa, njengoba benza izikhundla ngaphansi kokwenza okujwayelekile, noma banikezwe ngenye indlela, ngaphambi komholo.
Yikuphi ukusebenza abakunikezayo?
Umholo onikezwa abafake imali yawo awufani ngaso sonke isikhathi, ngoba kuya ngefomethi ekhethiwe. Kepha okujwayelekile amabanga ebangeni eliphakathi kuka-0,50% no-1,00%, ngokuya ngezici zabo netemu elikhethiwe, yize iziphakamiso ezithile zibabandakanya ngaphansi kwefomethi yamaphromoshini akhethekile wokuheha imali kumakhasimende amasha. Futhi kunoma yikuphi, ngaphandle kwezixhumanisi, noma amanye amasu okuthembeka. Kungumbuzo wezimo ezihamba ngaphansi kwezindabuko zendabuko ekuqashweni kwabo.
Ukuthuthukiswa kwale mikhiqizo yokonga kube nomthelela ku ukuqedwa kwezithiyo eziphathelene nohulumeni okumele yenziwe ngabasebenzisi bebhange ukuthi baqashwe. Futhi ngenxa yalolu hlelo lwezohwebo bangathuthukisa amamaki abo wenzuzo. Akucabangi inani eliphakeme kakhulu, kepha okungenani kuzosiza ukukhokha isifiso esincane sababeki. Ukuba isisusa sayo esiyinhloko.
Okubi ngokuqasha
Yize izinzuzo zidlula ububi ekungeneni kule mikhiqizo yasebhange, akukhuthazwa ukuthi kuncishiswe ezinye izithunzi ezethulwe ngamafomethi aku-inthanethi. Hhayi maqondana nenzuzo yayo, kepha inqubo yokuyibhala phansi. Owokuqala wabo ususelwe ekukhawulweni kwamanye amamodeli wokuhlala unomphela. Futhi ngenxa yalokho, ngenani lentela eliphakeme ngandlela thile.
Enye yezinkinga ezibandakanywa yilezi zimiso zesikhashana, ezibhekiswe kuzo kuphela imali evela kwezinye izinhlangano, noma okungenani kumakhasimende amasha. Kukhawulela ukufinyelela kwamanye amaphrofayili wabasebenzisi, okuzofanele baphendukele kwezinye iziphakamiso ezihlukile ukukhulisa umholo wabo minyaka yonke.
Kuyinto elula, ngakolunye uhlangothi, funda ukuphrinta okuhle kwenkontileka ngokucophelela wediphozi eku-inthanethi, uma kungenzeka kube khona isigatshana esivimbelayo. Ikakhulukazi okusho ukukhanselwa noma ukuvuselelwa kwayo. Ezimweni eziningi lo msebenzi awukwazi ukwenziwa, futhi kokunye nje kujeziswa yikhomishini engalinganisa inzuzo yesikhathi esizayo yediphozi. Ngalokhu, kuzobaluleka ukuthi izimo zabo zicace bha kumawebhusayithi ezinhlangano. Ngaphandle kokufinyelela kokungaqondani, lapho abemukeli bale mikhiqizo bezothinteka kakhulu.
Ngokuya ngalezi zici ezethulwe ngamadiphozithi aku-inthanethi, kwethulwa umnikelo obanzi kakhulu, noma kunjalo ngaphandle kwamanoveli amaningi ekucacisweni kwamafomethi awo. Ungathola kokunikezwayo okuthile, kumakhasimende amasha noma kulawo akhona, kuze kube yimikhawulo ejwayelekile. Futhi lowo mehluko omncane abanabo nalabo abazali bakho abenza ngokusemthethweni.
Kumele kuqashelwe ukuthi iziphakamiso zokulondolozwa okuhle kakhulu zivela ezikhathini zephromoshini, nokuthi njengengxenye entsha maqondana namanye amamodeli wediphozithi, amanye amabhizinisi afaka izipho zokuphromotha njengengxenye yomholo wemali. Ngokubuyisela, kulula ukubhalisa, futhi amanani amancane wokuwaqasha athengeka kakhulu kuyo yonke imizi. Kusuka ku-1.000 euros, nokuthi le mali yehliswa kwezinye zazo.
Iziqinisekiso zeminikelo
Ukufakwa kwemali kwenkontileka ku-inthanethi, njengamanye amamodeli, kuqinisekisa imali etshaliwe kanye nezinga lenzalo yamadiphozithi aze avuthwe, kungadingeki akhathazeke ngokushintshashintsha kwemakethe. Ngaphandle kokuthi zixhunyaniswe nezinye izimpahla zezezimali ezincike emalini. Ngokwalokhu kubuka, banikeza ukuphepha okuphelele, ngoba futhi abadingi ulwazi oluningi kulabo abafaka izicelo zabo. Ukuba ayinabo ubuthi ekubunjweni kwayo.
Kepha, kwenzekani uma ibhange elikhiphayo lalo mkhiqizo liqothuka? Kuzosho ukulimala okweqile kubasebenzisi. Hhayi ngeze, Isikhwama Sesiqinisekiso Sediphozithi siyabaqinisekisa kuze kufike ku-100.000 euro uma kwenzeka kwenzeka lesi simo esingalindelekile. Inkinga izofika ngamanani aphezulu. Kepha lokho ngecebo elilula kungagwenywa.
Kuqukethe ukuvula amadiphozithi amaningana online kumabhange ahlukene ukuthola isiqinisekiso esiphezulu. Ukuze ngale ndlela, ukonga kuvikelekile njalo, noma esimweni esibi kakhulu. Futhi kufana ncamashi nakumadiphozithi adluliselwe ngamafomethi wendabuko kwinkontileka yabo. Akukho mehluko, ngakho-ke ukuma kwabo kuyafana. Ngokwezinga lapho kungabhekwa njengomkhiqizo ophephile.
Okufanayo akwenzeki ngamanothi ezethembiso zebhange, okungekho kuqinisekisa ukuthi iminikelo eyenziwe. Futhi nokuthi kungabeka ubungozi obukhulu ezithakazelweni zababaphethe, noma ngabe balawulwa yizimo ezifanayo, ngokungafani nhlobo. Futhi ngamamajini esilinganiso senzalo afanayo. Njalo ngaphansi kwesithiyo esingu-1%.
Utholani?
Hhayi ukuthuthukisa ukusebenza kuphela, kepha ube nakho inkululeko enkulu yokwenza kube semthethweni. Ungakha iphothifoliyo yokufakwa ngendlela oyithandayo, ukhetha amafomethi afanele kakhulu ngaso sonke isikhathi. Futhi okubaluleke kakhulu, aguqulelwe kuphrofayela yakho njengesilondolozi esimaphakathi. Uzoba owavulela amathuba amahle kakhulu akhiqizwe yimakethe yasebhange. Ngaphandle kwabalamuli, noma ezinye izinhlobo zobudlelwano nebhange.
Okunye okuhlukile okukhona kwi-inthanethi ukuthi kuvamile imali engavuseleleki, okungukuthi, zikhanselwa ngokuzenzakalela ekuvuthweni. Ngaphandle kokuzivuselela. Njengoba nje zingavezi amamodeli woqobo ongashayela kuwo imali oyongela impilo yakho. Futhi ayinakho ukufinyelela kumiklamo ebabazekayo, noma enezici ezinhle. Konke kujwayelekile ngokuphelele kuleli banga lamadiphozithi.
Amathiphu wokuqasha
Uma ufuna inqubo yokubhalisa ikhule kahle, ngeke ube nokunye ongakwenza ngaphandle kokungenisa eminye imigqa yezenzo echazwe kahle. Ukuzuza kulolu hlelo lokonga kusukela manje kuqhubeke. Kumele unake izeluleko ezilandelayo.
- Babaluleke ngokukhethekile kuhloselwe izinkathi ezimfushane kakhulu, kusuka enyangeni eyodwa kuya kumkhawulo ongu-1. Ukusebenza njengebhuloho lokunye ukutshalwa kwemali okunenzuzo enkulu.
- Hlola konke ukunikezwa ekhiqizwa umkhakha wamabhange ukuthola amandla azokuvuza kangcono. Akumangalisi ukuthi ungazithuthukisa ngezingxenye ezimbalwa zokweshumi.
- Ukufakwa okuku-inthanethi zivame ukwethulwa ngaphansi kokunikezwayo lokho kungathakazelisa kakhulu ngezimo zakho njengomlondolozi. Zama ukuthola okuvumelana nezimpawu zakho.
- Uma lokho okufunayo ngempela kuyinzuzo ephezulu, kungcono khansela ukubhalisa kwakho bese ubheka ezinye izindlela ezihlangabezana nale minikelo. Ngokuqinisekile ukuthi iziphakamiso ngeke zilahleke kunoma yikuphi.
- Kungakuhle kakhulu ukuthi eholidini lakho njalo uphathe iselula yakho, nganoma yisiphi isizathu, udinga ukuvula izikhundla kumadiphozithi aku-inthanethi.
- Ukwenza kwawo ngokusemthethweni ngeke kukukhokhele lutho. Njengoba zikhulelwe zikhululiwe kumakhomishini nakwezinye izinkokhelo zokuphathwa noma ukunakekelwa kwazo. Ngokungafani neminye imikhiqizo yokutshala imali enayo efakiwe esivumelwaneni.