Kusenenkolelo engxenyeni enhle yabasindisi yokuthi imikhiqizo yokutshala imali nokonga ingavunyelwa kuphela ngamabhange. Lokhu akulona iqiniso njengoba izinkampani zomshuwalense nazo zimaketha lezi zinhlobo ukwenza ukonga kube nenzuzo. Futhi kwezinye izimo ngisho ne- izimo ezingcono ekuqashweni kwakho ngokwethula ukuthuthuka kwesilinganiso senzalo esinqwabelene samaphesenti ayishumi wephoyinti Ngokunikezwa okunamandla kakhulu nokuhlukahlukene.
Kunoma ikuphi, akukho okungcono kunokuqhathanisa iziphakamiso zelinye ibhizinisi nelomunye umshwalense ukukhombisa ukuthi yini esilungele ukuyibhalisela uthole ukusebenza okungcono kusuka manje. Ngoba kungahle kube nokwehluka okufanele ukugqanyiswe futhi okungasisiza ukwenza ibhalansi ye-akhawunti yethu yokonga ibe nempilo kangcono ekupheleni konyaka. Kuze kube sezingeni lokuthi izinkampani zomshuwalense nazo ziphethe ukumaketha imali yesikhathi esinqunyiwe.
Ngenkathi ngakolunye uhlangothi, nangaphansi kwamagama ahlukene, kungabomshuwalense okwamanje abethula ukubheja okucacile yonga imali ngokunenzuzo enkulu. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okunokuningi okuphathelene nokwakheka kwemikhiqizo emakethwayo. Lapho, inhloso ephambili yabatshalizimali abancane nabaphakathi ukwenza ngcono inzuzo yabo yokwandisa izimpahla zabo noma zomndeni, okungukuthi, ngemuva kwakho konke, imayelana nani ngalo mzuzu oqondile.
Izinkampani zomshuwalense: impositions
Amadiphozithi nemikhiqizo exhunyaniswe namasheya amanye amafomula iningi labashuwalense abakhethe ukuwonga amakhasimende abo okonga. Kufika eqophelweni lokuthi okwamanje babanikeza inzuzo emaphakathi phakathi kuka-1,5% no-2,5%. Ngamanani aphansi kusuka kuma-euro angama-5.000, yize ungahlala uthola umkhiqizo walezi zici kulo mkhakha ngeminikelo ebiza kancane, imvamisa ngeminikelo ebiza kakhulu evela kuma-euro ayi-1.000.
Cishe zonke izinkampani zomshuwalense zigxile kuleli su lokuhweba ngokunikezwa okungathathwa njengobuningi futhi ivulekele bonke abasebenzisi. Ngokwehluka okumbalwa kakhulu maqondana neziphakamiso ezenziwe yizinhlangano zamabhange njengamanje. Into engaziwa ngempela ingxenye enkulu yabasebenzisi baleli zwe. Lapho umkhiqizo ocacile njengomshuwalense wokonga ungekhohlwe. Ngokubuyiselwa kokonga okungaba ngu-2% ngonyaka.
Umshuwalense wokonga izingane
Enye yezinto ezintsha izinkampani zomshuwalense ezethula ngazo ukumakethwa komshuwalense wokonga izingane. Ngalo mqondo, kufanele kukhunjulwe ukuthi umshwalense wokonga izingane unawo ngenzalo eqinisekisiwe kusukela ekuqaleni kuze kube sekugcineni, okuzokusiza ukubhekana nezimo ezinjengalezi: uhambo lokutadisha, ukuqala umsebenzi, ukuthenga imoto yakho yokuqala ...
Ngakolunye uhlangothi, enye yezinzuzo zayo ezifanele kakhulu ukuthi ekugcineni komshuwalense, uzoba nemali eqinisekisiwe kanye nesabelo senzuzo.
Kunoma ikuphi, ukutakulwa komshuwalense kuyisici sayo esisha kunazo zonke ngoba ngokuvamile kusuka kumholo wesibili, uzokwazi ukuhlenga imali etholwe emshuwalense wakho, ngokuphelele noma ngokwengxenye. Mayelana nezimo zabo zenkontileka, kufanele kuboniswe ukuthi iminyaka yenkontileka yomshwalense iphakathi kweminyaka engu-1 no-10. Isikhathi esiphezulu sesivumelwano kuze kube yilapho ingane ifinyelela eminyakeni engama-21 ubudala. Futhi lapho inani eliphansi elilodwa lalo mkhiqizo lisebangeni elisuka ku-1.000 liye ku-1.500 euros. Ukwakha isikhwama sokonga esizinzile sesikhathi esimaphakathi neside.
Umshuwalense wokutshalwa kwezimali
Lo mkhiqizo wenzelwe umphakathi ojwayelekile, osuvele uthuthukisa inzuzo okwamanje enikezwa ngamadiphozi asebhange wesikhathi esinqunyiwe. Umshuwalense wokulondoloza noma wokutshala imali ubonakala ngoba kuyinqubomgomo eqinisekisa imbuyiselo ehlotshaniswa nosonhlamvukazi lokho kuzobekwa ngesikhathi esinqunyelwe ngaphambilini. Le mali yokuqala kanye nenzuzo etholakele ingatholwa lapho kuphela leso sikhathi sesikhathi. Umphathi womshuwalense wokonga angenza iminikelo emisha enhlokodolobha yokuqala kuze kuphele isikhathi esimisiwe.
Ngenkathi ngakolunye uhlangothi, kukhona okunye izinzuzo zentela. Isibonelo, ngenxa yokuthi uma okungenani sekudlule iminyaka emi-5 selokhu wanikela okokuqala, imali oyitholile ayikhokhiswa intela. Ngakolunye uhlangothi, ngalezi zinhlelo zokonga ungabuyisa imali yakho nganoma yisiphi isikhathi iphelele noma ingxenye. Ngaphezu kwalokho, ungenza umnikelo omkhulu wonyaka oguquguqukayo kakhulu futhi ongafinyelela kuma-euro ayi-10.000 ngokwesilinganiso. Futhi ezimweni eziningi kudlula inzuzo enikezwa ngamabhange.
Inkampani yomshwalense inikeza
Ngalesi sikhathi, iziphakamiso izinkampani zomshwalense ebezisathuthukisa ziyanelisa kakhulu ukuvikela izintshisekelo zabatshalizimali abancane nabaphakathi nendawo. Ngamamodeli wokonga anamandla amakhulu futhi amasha kunalawo adluliswa evela emabhange. Ngomehluko omncane abanye imigomo yokuhlala ebiza kakhulu. Ezimweni eziningi, ngaphezu kwezinyanga ezingama-24 futhi kunoma yisiphi isimo zivulekele wonke amaphrofayili womsebenzisi.
Kulo mongo, kuyisu ongalisebenzisa kusukela manje ukuthuthukisa imingcele ebuthakathaka yokulamula enikezwa yimikhiqizo evela emholweni ohleliwe. Lapho intengo yemali isezingeni layo eliphansi nasemlandweni ngenxa yesinqumo se-European Central Bank (ECB) sokubeka inani lenzalo endaweni ye-euro ngo-0%. Noma yini efanayo, ngaphandle kwenani futhi edluliselwa ngokushesha kwimikhiqizo yasebhange ngenzuzo encane.
Umehluko phakathi kwazo zombili izinhlobo
Ukuze kuhlolwe inkontileka yale mikhiqizo nomshuwalense omakethwa izinkampani zomshuwalense, kuzodingeka ukuthi kuqinisekiswe ukuthi yimiphi iminikelo yabo efanelekile. Okokuqala, inzuzo yakho ethuthukisiwe yenziwe kusukela ekuqaleni. Lapho kungenazidingo ezingeziwe noma ezikhethekile ukufeza lezi zinhloso ezifunwayo. Omunye umehluko usemibhalweni yaphakade ehlala imide, yize kunokuguquguquka okukhulu ngokuya ngezindlela zabo zokuhweba.
Ngakolunye uhlangothi, ziyinkimbinkimbi ngokwengeziwe futhi kulula kakhulu ukufunda ukuphrinta okuhle kwenkontileka. Ukuze ungabi nezinye izinto ezimangazayo ngesikhathi uzenza zibe semthethweni. Ngaphezu kwalokho, imishini lapho kwenziwa khona lezi zimodeli zokonga noma zokutshala izimali zihlukile kancane futhi kuyadingeka ukwazi imishini nokwakheka kwazo. Lapho, kuvame kakhulu ukuthi kuzo ungathola imali oyongele ngokushesha, ngokuphelele noma ingxenye futhi ifakwe osonhlamvukazi kuze kube usuku lokuhlengwa. Lokho wukuthi, banikela ngemali ephezulu ethakazelisa kakhulu ngezidingo ongahle ube nazo kusukela ngesikhathi sokubhalisa kwakho.
Isikhwama sokonga sesikhathi eside
Ngandlela thile, ingasebenza njengecebo lokuthuthukisa isikhwama sokonga kancane kancane futhi ngokusebenzisa i- iminikelo yezomnotho ongakwenza. Ukuthi kungasebenza njengomphelelisi womhlalaphansi. Ukuba nemali engenayo ngezikhathi ezithile ozoxhasa ngayo impesheni yakho, ikakhulukazi uma kuyinhlamvu impela.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi kwakha isu elinamandla kakhulu lokuba namandla amakhulu okuthenga eminyakeni yegolide. Njengomphumela we ukunqwabelana kwenhlokodolobha ekhishwa njalo ngenyanga noma unyaka futhi lokho kudala imbuyiselo encane. Yize kungeqisi.
Ukuhweba ngezimali
Ukuqasha isikhwama sokutshala imali kungenye yamathuba ahlinzekwa ngabaningi bomshuwalense, abahlinzeka ngawo uhla olubanzi lwale mikhiqizo kuye ngephrofayili yekhasimende ngalinye. Ngaleli su lokutshala imali kungenzeka ukuthi utshale imali ngezinga eliphansi, eliphakathi neliphakeme lobungozi futhi ngasikhathi sinye uthole inzuzo ekhangayo, ngenxa yokusatshalaliswa kwemali engenayo engaguquguquki futhi eguquguqukayo. Futhi, nangamaphrofayli alondolozeka ngokwengeziwe, ahlinzeka ngalo lonke utshalomali emalini yezimali, okuluguqula lube ubhasikidi ophephile olindele ukukwazi ukubuyela izinketho ezinolaka kakhulu, lapho abatshalizimali sebebuyisa ngokuphelele ukuzethemba ezimakethe zamasheya.
Yebo, umshwalense ngamunye usungule uhla olwehlukile lwezimali ezisuselwe kulo imali, okuxubile, imali eguquguqukayo, imali engenayo engaguquki ... Ukuthola noma iyiphi yazo, akudingekile ukuthi ube nomunye umkhiqizo owenze nenkampani yomshwalense, kepha njengakwezikhungo zezezimali, kufanele uye enkampanini ekhethiwe kuphela ukubhalisa isikhwama esivumelana kangcono nezidingo zethu njengomtshali-zimali. Ngaphandle kwesidingo sokubhalisa noma iyiphi inqubomgomo noma imikhiqizo enezici ezifanayo. Kungokuphatha okuhluke ngokuphelele, kokubili kokuqukethwe nokuqukethwe.