Luyini uhlelo lwempesheni

Luyini uhlelo lwempesheni

Okuhlobene nokuthatha umhlalaphansi, omunye wemikhiqizo ethola ukugqama ngokwengeziwe uhlelo lwempesheni, ifomula yokonga kuleyo minyaka yokugcina yokuphila, ukuze ube nekhwalithi "ethokomele" lapho usaphila.

Yize engumuntu obaluleke kakhulu futhi enezinzuzo eziningi, njengamanje ngaphansi kuka-20% bacabanga ukuba nohlelo lwempesheni, kaningi ngoba bengakuboni kuwusizo. Kepha, Luyini uhlelo lwempesheni? Kungani ibaluleke kangaka futhi kufanele ibhekwe eminyakeni ethile? Nakhu esizokhuluma nawe namhlanje.

Luyini uhlelo lwempesheni

Luyini uhlelo lwempesheni

Kunezincazelo eziningi zohlelo lwempesheni. Enye yezinto elula ukuyiqonda icabanga ngaleli gama njengomkhiqizo osebenzela ukongela umhlalaphansi. Ngakho-ke, sibhekene nohlelo lwesikhathi eside, okusho ukuthi, lufuna ukuthola inzuzo kepha olungeke luthokozelwe kuze kube yilapho kufika umhlalaphansi.

Ngamanye amagama, Uhlelo lwempesheni ngumkhiqizo wokonga osuselwa kwiminikelo yezikhathi ezithile eyenziwe ngumnikazi wohlelo. Le minikelo nayo itshalwa ngabaphathi balelo hlelo ukuze ithole imihlomulo ngalelo nani lemali. Ngale ndlela, umuntu ubona umnikelo wakhe wenyukile (ngoba unalokho akubekile kanye nezinzuzo azitholile ngokutshala leyo mali).

Ngokusho kwe- IRoyal Legislative Decree 1/2002, kaNovemba 29, ku-athikili yayo 5.3, kuthiwa umnikelo omkhulu wonyaka wohlelo lwempesheni ngama-8000 euros. Ngaphandle kwaleso samba akuvunyelwe ukufaka isandla.

Iphuzu elibalulekile lohlelo lwempesheni ukuthi imali enikelwe kuyo iyagcinwa, okusho ukuthi, awukwazi ukuyithola kalula. Eqinisweni, ukuphela kwezimo lapho ungakwenza khona kungaba:

  • Ngoba usuthathe umhlalaphansi.
  • Ngoba sekuphele iminyaka eyi-10.
  • Uma uke wagula kakhulu noma wakhubazeka.
  • Esimweni sokungasebenzi isikhathi eside.
  • Uma ushona futhi izindlalifa zakho zifuna ukubuyisa imali ohlelweni lwakho lwempesheni.

Yiziphi izinhlobo ezikhona

Manje njengoba usunokuthile okucaca kakhudlwana ngokuthi luyini uhlelo lwempesheni, kufanele wazi ukuthi kunezinhlobo ezintathu zezinhlelo.

  • Uhlelo lomuntu ngamunye lwempesheni: Yisivumelwano esenziwa ngumuntu oyedwa ngokuzimela, futhi imvamisa nesikhungo sezezimali.
  • Izinhlelo ezihlanganisiwe: kulokhu, esikhundleni sokuqashwa umuntu oyedwa, kwenziwa iqembu labantu, imvamisa kunokuthile okufana ngakho (inhlangano, inyunyana, njll.).
  • Izinhlelo zempesheni yasemsebenzini: Yizinhlelo zempesheni inkampani uqobo ezihlelela abasebenzi bayo. Kuyajwayeleka ukubabona (ngoba abasebenzi bayashintsha eminyakeni edlule), kepha basekhona.

Izinzuzo nezinkinga zezinhlelo zempesheni

Izinzuzo nezinkinga zezinhlelo zempesheni

Esinye sezizathu esidala ukuthi bambalwa abantu abaqashe izinhlelo zempesheni yingoba umholo abawuholayo awubavumeli ukuthi bonge imali eyanele ekupheleni kwenyanga ukuze bakwazi ukwenza iminikelo futhi bathole nemihlomulo elindelwe kuyo. Noma kunjalo, iqiniso yilokho Uhlelo lwempesheni lunezinzuzo eziningi. Futhi nokubi okuningi nezingozi.

Ngaphambi kokuqasha eyodwa, kungakuhle ukuthi ubeke etafuleni okuhle nokungahle kangako kwalo mqondo, ngoba kungaleso sikhathi kuphela lapho isinqumo esifanele kunazo zonke singenziwa ngokuya ngesimo somuntu ngamunye noma inkampani.

Izinzuzo zohlelo lwempesheni

Izinzuzo abaningi abazikhethela lo mkhiqizo wezezimali, ikakhulukazi ikusasa, yilezi:

  • Ukuze ukwazi ukudonsa intela kwaMgcinimafa. Futhi ukuthi ungakhokha intela encane kwiSimemezelo Semali Engenayo uma unohlelo lwempesheni. Njengomthetho ojwayelekile, ungadonsa kuze kufike kuma-euro angama-2000 8000 (ezinhlelweni ngazinye) noma kufika ku-XNUMX (ezinhlelweni zokuqashwa).
  • Ungashintsha izinhlelo. Kunezikhathi lapho izimo, ngokuhamba kwesikhathi, zinenzuzo encane; Ngakolunye uhlangothi, ngohlelo lwempesheni ungashintshela kwenye kalula ngaphandle kokukhokha ngaphezulu noma ukuthola intela ethe xaxa.
  • Ungakhetha ozuzayo. Lokho wukuthi, noma ngabe uzenzela uhlelo lwempesheni, unganquma ukuthi umuntu ozoyijabulela ngempela nguwe noma omunye umuntu.

Akukuhle kangako ngezinhlelo zempesheni

Naphezu kwakho konke lokhu okungenhla, akumele kungakhohlwa ukuthi kukhona nezingqinamba ezenza kube nzima ukuthenga uhlelo lwempesheni. Okuvame kakhulu yilezi:

  • Ukuntuleka kwemali. Lokho wukuthi, ukungakwazi ukuba nemali ebanjwayo iminyaka.
  • Izintela okufanele uzikhokhe. Besingashongo phambilini ukuthi uhlelo lwempesheni lukwenza ukhokhe kancane? Ekugcineni, bazokufinyelela, futhi kuzofanele ubhekane nabo, esinye sezizathu esenza abaningi badlulise lo mkhiqizo.
  • Amakhomishini Amakhomishini, kwesinye isikhathi, enza uhlelo lwempesheni lungabi nzuzo ngoba ekugcineni bagcina bethathe inzuzo imali ebikunikeza yona.

Yini etshalwa ohlelweni lwempesheni

Yini etshalwa ohlelweni lwempesheni

Njengoba sishilo phambilini, uhlelo lususelwa ekongeni imali ethile. Kepha futhi nasekutshalweni kwaleyo mali egciniwe ukuthola inzuzo nokuthi lokhu "akumiswa" ngaphandle kokwenza noma yini. Kodwa yini le mali efakwe kuyo?

Into yokuqala okufanele uyazi ukuthi ingqikithi yokutshalwa kwemali izokwenziwa ngabaphathi bohlelo lwempesheni, ngaphandle kokuthi ukhathazeke nganoma yini enye. Ngokuya ngohlelo olunenkontileka, izimali zizohluka; Noma, okuvame kakhulu kuhlobene:

  • Izinhlelo zemiholo ezihleliwe. Lezi kungaba zesikhathi eside, zesikhashana; ngisho nemali engenayo yomphakathi noma yenkampani.
  • Izinhlelo ze-Equity.
  • Inhlanganisela yalokhu okungenhla (lokho okubizwa ngamasu ahlanganisiwe).
  • Izinhlelo eziqinisekisiwe.

Isebenza kanjani nokuthi uyiqashe kuphi

Uhlelo lwempesheni kumele luhlelwe nebhizinisi eliphethe ukuphatha le mikhiqizo. Imvamisa, amabhange aphakathi kwezaziwa kakhulu, kepha kungaba namanye amathuba.

Ngokuqondene nokusebenza kwalo, kulula kakhulu: umuntu osecebeni kufanele enze iminikelo ngezikhathi ezithile (noma ngokungajwayelekile) ngokuya ngamandla abo. Le mali ingeyokuzithandela, futhi, ngaphandle kwenkontileka, akudingeki ukuthi yenzelwe inani elithile noma isikhathi esithile. Eqinisweni, zingaba njalo ngenyanga, minyaka yonke, ngekota, njll. Yonke le minikelo izokwakha uhlelo lwempesheni kepha, esikhundleni sokugcina imali ithule, umphathi uphethe ukuyitshala kwezinye izinhlelo zokuthola imbuyiselo kuleyo mali, yingakho ekugcineni kutholakala okungaphezulu kwalokho unikeze.


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

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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.