Cishe uke wezwa ngabatshalizimali abathenga izindlu ezibonakala sengathi ziyawa, bese kuthi ezinyangeni ezimbalwa, baziguqule zibe izindlu zesimanje nezikhazimulayo. Lo mkhuba, owaziwa emhlabeni wonke ngokuthi ukushintshwa kwezindlu , usuthandwa kakhulu eSpain nakwamanye amazwe njengendlela ehlakaniphile yokukhulisa imali ngokusebenzisa amaphutha emakethe yezindlu yamanje.
Empeleni, umdlalo wenani lapho umtshali-zimali efuna khona izimpahla abanye abazinaki ngenxa yesimo sazo esibi. Ngokusebenzisa isu lokutshala imali ngenani kanye nokuphathwa kahle, impahla esidala ingabuyiselwa enkazimulweni yayo yangaphambili, okuvumela umnikazi ukuthi ayithengise kabusha ngentengo ehambisana nekhwalithi yayo entsha ukuze athole inzuzo ephezulu kakhulu .
Kuhilelani ngempela ukushintshashintsha kwezindlu?
Umqondo ulula: thenga kancane, uthuthukise impahla, futhi uthengise kakhulu. Nakuba leli gama laqala e-United States, lapho kuvame ukubona osaziwayo abanjengoLeonardo DiCaprio noma u-Ellen DeGeneres behlanganyela kulo mkhuba, selithole indawo evundile eSpain. Inhloso eyinhloko ukunikeza impilo yesibili esakhiweni esingasancintisani, sisiguqule sibe umkhiqizo okhangayo kumthengi wokugcina.
Kubalulekile ukuqonda ukuthi i-flipper ayiyona i-ejenti yezindlu. Nakuba i-ejenti iphatha ukuthengiswa futhi iqoqa ikhomishini (ngokuvamile ephakathi kuka-4% no-7%), umtshali-zimali o-flipper nguye othatha ingozi yezezimali futhi aphathe iphrojekthi. Ngezinye izikhathi, umuntu ofanayo angenza zombili lezi zindima, kodwa ziyimisebenzi ehluke ngokuphelele.
Kuyaphawuleka ukuthi "ukushintshashintsha" akugcini nje ngezindlu. Ezweni lezezimali, lichaza ukuthenga amasheya kumnikelo wokuqala womphakathi (i-IPO) bese uwathengisa ezinsukwini ezimbalwa zokuqala ukuze uthole inzuzo esheshayo . Ngisho nase-UK, lisetshenziswa ngokuhlekisa ukubhekisela kosopolitiki abashintsha indawo yabo yokuhlala ukuze bazuze izinzuzo zomphakathi. Kodwa-ke, uma sikhuluma ngezindlu, sibhekisela kakhulu ekwandeni kwenani ngokuvuselela.
Izinzuzo zokukhetha lolu hlobo lwebhizinisi
Enye yezinzuzo ezinkulu ngokungangabazeki ukuthi kungenzeka ukuthi uthole inzuzo enkulu ngesikhathi esifushane . Uma uthenga indlu edinga ukulungiswa okuphelele, intengo yokuthenga iphansi kakhulu kuneyendlu esesimweni esihle. Uma izindleko zibalwa kahle, inzuzo ingaba nkulu kakhulu.
Ngaphezu kwalokho, kuwumsebenzi oguquguqukayo ngendlela emangalisayo. Akudingeki ukuthi ube ngumthombo wakho wemali engenayo kuphela; ungakuhlanganisa nomsebenzi wakho wamanje ngenkathi uphatha iphrojekthi nochwepheshe. Ngokombono wezenhlalo, futhi kuyinzuzo kubo bonke: umtshali-zimali wenza imali, futhi idolobha liyazuza ngokuvuselela izakhiwo ezidumile noma eziwohlokile ebezizodilika ngaphandle kwalokho.
Asikwazi ukukhohlwa ngesici semvelo. Ukuvuselela kuqhubeka kakhulu kunokubhidliza nokwakha kusukela ekuqaleni, njengoba kudala imfucuza encane. Ngaphezu kwalokho, uma usebenzisa izindlela zokuzinza emkhakheni wezindlu , awugcini nje ngokusiza iplanethi kodwa futhi ukhulisa inani lokuthengiswa kabusha kwempahla.
Izingozi ezibalulekile kanye nezinyathelo zokuphepha
Akuyona yonke into ekhanyayo neyimibalabala, futhi le ndlela inezingibe zayo. Ingozi enkulu ukukhokha kakhulu impahla noma ukuchitha imali eningi ekuvuseleleni kunokuba imakethe izimisele ukukhokha ekugcineni. Uma ungazi inani langempela lendawo, kulula ukugcina utshalomali olungabuyiseli imali yokuqala, ikakhulukazi lapho ubhekene nokuwa okungenzeka emkhakheni wezindlu.
Enye ingozi evamile amaphutha afihliwe . Lezi yizinkinga zesakhiwo noma izinkinga zomswakama ezingabonakali ngesikhathi sokuvakasha kokuqala kwesayithi futhi zibonakala kuphela uma usuqalile ukucheba izindonga. Lokhu kungandisa kakhulu isabelomali futhi kwandise isikhathi sephrojekthi, okusho ukuthi imali yakho iboshelwe isikhathi eside kunalokho obekulindelwe.
ESpain, kubalulekile ukuqaphela izimvume kanye nefa lomlando. Uma indlu ivikelwe, ungase ungavunyelwe ukushintsha amafasitela athile noma izakhi zokwakha, okunciphisa ikhono lakho lokwenza impahla ibe yesimanje. Ngakho-ke, kubalulekile ukungafaki imali yakho ekongeni impilo yakho futhi uhlale ugcina imali egciniwe emikhiqizweni yokutshalwa kwezimali ngezindleko ezingalindelekile.
Izinyathelo zokwenza ngempumelelo umsebenzi wokujika
Ukuze ugweme ukudubula ebumnyameni, kungcono ukulandela imephu ecacile. Okokuqala, cwaninga kahle imakethe yendawo ukuze uthole izindawo ezikhulayo kanye nezinhlobo zezindlu abathengi abazifunayo. Bese ugxila ekusesheni kwakho kwempahla ezintweni ezingaba khona ngamanani aphansi.
- Ukuhlaziywa kwezinombolo: Bala i-ARV (Inani Lokugcina Lokuthengisa) bese ususa izindleko zokuthenga nokuvuselela ukuze ubone ukuthi ziyasebenza yini.
- Ukuphathwa kwesikhathi: Hlela umsebenzi ngokucophelela, njengoba inyanga ngayinye yokulibaziseka imali ilahleka njengenzalo kanye nokugcinwa.
- Ithimba lochwepheshe: Zihlanganise nabakhi bezakhiwo abathembekile, abameli, kanye nezinkampani zokwakha ukuze ugweme izimanga zomthetho noma zobuchwepheshe.
- Ukuthengisa: Sebenzisa amasu okubeka izinto ekhaya kanye nezithombe zobungcweti ukuze wenze indlu ithengiswe ngokushesha.
Izici zezimali kanye nentela eSpain
Ukuthola imali yale misebenzi kungaba yinselele. Nakuba kukhona izimali zokubolekwa kwezindlu zokulungisa , amabhange avame ukungabaza futhi adinga izilinganiso ezinemininingwane eminingi, ngokuvamile axhasa kuphela u-50% kuya ku-60% wenani elihloliwe. Kwabanye abatshalizimali, inketho engcono kakhulu ukuthenga impahla ngenkampani , yize kunconywa ukuthi inkampani ibe neminyaka okungenani emibili enenzuzo ukuze ifanelekele ukubolekwa imali enemibandela engcono.
Ngokuphathelene nentela, kubalulekile ukuqaphela Intela Yokudluliselwa Kwempahla (i-ITP), ehluka phakathi kuka-6% no-10% kuye ngokuthi umphakathi ozimele, kanye nentela yenzuzo yenhlokodolobha kamasipala. Uma wenza lokhu kuthengiselana njalo, i-Tax Agency ingakubheka njengomsebenzi wezomnotho wobungcweti , okudinga ukuthi ubhalise futhi ukhokhe intela ngokusekelwe emalini engenayo evela kulo msebenzi kunokuba nje enzuzweni yenhlokodolobha.
Kunezindlela ezithile ezithuthukisiwe, njengokuthenga izindawo ngaphandle kwesivumelwano ngezivumelwano zangasese ezinezijeziso zanyanga zonke. Lokhu kuvumela umtshali-zimali isikhathi eside sokuqedela ukulungiswa nokuthengisa impahla ngaphambi kokuphothula isivumelwano, ngaleyo ndlela kuthuthukisa ukuhamba kwemali.
Ukuze uphumelele kulo mkhakha, kubalulekile ukuhlanganisa ukuqonda nokuhlaziywa kobuchwepheshe okuqinile, ukuthembela kumathuluzi okuqapha i-portal yezindlu kanye namanethiwekhi angaphandle kwemakethe. Isihluthulelo sisekutholeni ibhalansi phakathi kokuthenga ngentengo ephansi, ukulungiswa okusebenzayo okuhlala ngaphakathi kwesabelomali, kanye nokuthengisa okusheshayo okusekelwe ekufuneni kwangempela kwemakethe, ngaleyo ndlela kuqinisekiswe imbuyiselo enhle neqhubekayo ekutshalweni kwezimali.
