Ukutshala imali ebhizinisini kuhilela uchungechunge lwezisho ezingeqini njalo. Sezisetshenziswe ngokweqile kangangokuthi zivamile emagama abatshalizimali abancane nabaphakathi. Kuhle ukuzijwayeza lezi zindlela ezivamile ezimangalisayo ukuze unqume ukuthi zingaba nini iqiniso nokuthi zinembile nini njalo. Cishe usuvele wazi eziningi zalezi zisho, kodwa ezinye zingase zibe zintsha kuwe.
Ngoba ezweni lamasheya, kuyindaba engathi sÃna kakhulu okufanele ungayididanisi nezinye izinhlobo zokuhlaziywa okusekelwe kahle. Lezi yizihloko ezithinta izikhathi zokubamba , amanani okudingeka uwabe, ngisho namasheya amahle kakhulu ongawathenga. Konke kuyaqala ukusebenza lapho umgomo uwukukhulisa imali yakho. Lokhu kungafezwa ngisho nangemisho ekhethwe ngokucophelela ngaphakathi kwesilulumagama sakho lapho ubhekene nomhlaba oyinkimbinkimbi wezezimali. Ngokuqinisekile, akufanele uyithathe kancane le ngxenye, esusiwe ngandlela thile emasu okutshala imali.
Kunoma ikuphi, kuzokusiza ukuthi uqonde okwengeziwe mayelana ne-psychology ngemuva kwamasheya. Kungakusiza nokuthi wenze amaphutha ambalwa kunalawo owenze kuze kube manje. Ngoba, empeleni, kungaba ithuluzi elihle kakhulu lokwenza ngcono yonke imisebenzi yakho ezimakethe zezimali. Hhayi emakethe yamasheya kuphela, kodwa nakwezinye izimakethe ezihlukile, njengezimpahla, izinsimbi eziyigugu, noma ngisho nezibopho zezinkampani. Akukho mingcele ekusebenziseni lolu hlobo lwezihloko ezikhethekile olimini lwakho lwansuku zonke.
Izihloko: uhlala unqoba emakethe yamasheya
Nakuba lesi simo cishe sizoba yiqiniso ngokuhamba kwesikhathi, akuwona umthetho ojwayelekile ukuvela uphumelele kukho konke ukuhweba emakethe yamasheya. Ngoba kumane kuyimakethe yamasheya, ngakho-ke noma yini ingenzeka . Ukuwina noma ukulahlekelwa kuncike ekutheni izimakethe zezimali zisebenza kanjani nganoma yisiphi isikhathi. Ngokuqinisekile akubikezeleki futhi kuncike ezintweni eziningi. Ngakho-ke, akufanele wamukele kakhulu lolu hlobo lokuphawula emibuthanweni yezezimali, okungenani hhayi ngokuqiniseka okukhulu.
Kudingeka imali eningi ekutshalweni kwemali
Lesi simo asisebenzi nakulesi simo. Ungatshala imali kuma-equity angaphansi kwama-€100 , yize imbuyiselo izoba yinto encane kakhulu. Uma ufuna ukuthola inzuzo enkulu yezimali, ngeke ube nakukhetha ngaphandle kokutshala imali eningi. Lokhu kuzoba yisihluthulelo sokwenza imali emakethe yamasheya kusukela manje kuqhubeke. Abatshalizimali bavame ukukhetha amanani amakhulu, kodwa lokhu akuyona imfuneko eqinile yokuvula izikhundla kunoma iyiphi i-equity.
Ingozi enkulu ukulahlekelwa yikho konke
Kungadingeka kwenzeke into engathi sÃna kakhulu ukuze ushiye yonke imali yakho itshalwe entengiselwano efana nale. Cishe akunakwenzeka ukuthi ibhalansi yakho yehle iye ku-zero. Uzolahlekelwa yimali oyitshalile kuphela uma izinkampani zisusiwe ohlwini. Kunoma ikuphi, imakethe yamasheya inezingozi eziningi , futhi ungalahlekelwa yimali eningi, kodwa hhayi konke. Lokhu kuyinto okufanele uyikhumbule lapho uhlela ukutshala kwakho imali kulezi zinhlobo zezimakethe zezimali.
Kodwa-ke, kunezibonelo ezimbalwa zesimo esibi esinjalo esingase senzeke ngezikhathi ezithile, nakuba singavamile. Esinye sezibonelo ezifanele kakhulu yilokho okwenzeka kubanikazi bamasheya beBanco Popular , abalahlekelwe yiyo yonke imali yabo etshaliwe. Kodwa lokhu akuyona into evamile ezimakethe zezimali. Kuyinduduzo encane lapho izinto zingahambi njengoba bekuhleliwe.
Imakethe yamasheya ikhiqiza imbuyiselo engaguquki
Abatshalizimali abangenalwazi noma abangenalwazi kuphela abangenza isimangalo esinjalo. Ngoba kuma-equities, azikho izinzuzo ezihleliwe noma eziqinisekisiwe . Ngaphandle kokuthi ucabangele izinzuzo, eziqinisekisiwe ngempela. Uma uhlose ukwenza imali yakho ikhule kusukela manje kuqhubeke, kufanele uqonde ukuthi alukho uhlobo lwenzalo olungaqinisekiswa. Ungalokothi, ngaphansi kwanoma yiliphi isu lokutshala imali. Lokhu akunjalo ngenzuzo ehleliwe, lapho inkokhelo ehleliwe ikhiqizwa khona cishe kuyo yonke imikhiqizo yezezimali. Kufanele uhlukanise phakathi kwalezi zinhlobo ezimbili zokutshala imali ukuze ukhethe isu elifanele.
Yenzelwe wonke amaphrofayili
Lokhu kusho okukhulu kuyiphutha elikhulu. Kungakukhohlisa ngisho nalapho ukhetha umkhiqizo ongcono kakhulu wokukhulisa imali yakho. Ngoba, kungakhathaliseki ukuthi uyayithanda noma cha, imakethe yamasheya ihloselwe abatshalizimali abanolaka kakhulu. Futhi enye yezimfuneko zayo ukuthi babe sesimweni sokwamukela ukulahlekelwa okuhlobene nezikhundla ezivulekile kulezi zimakethe zezimali. Ngaphezu kwalokho, ukuhweba emakethe yamasheya kudinga izinga eliphezulu lolwazi lwezezimali kuneminye imikhiqizo yezezimali. Lokhu kuyinto abantu abaningi abalondolozayo abazama ukuvula izikhundla ezimakethe zamasheya abangenayo. Akumangalisi-ke ukuthi lokhu kungenye yamaphutha avame ukwenziwa abantu, futhi bangakhokha intengo ngokuhweba okubi.
Kuhlala kuyisikhathi sokuthenga
Ngobuchwepheshe, lo mbono ungase ube nenzuzo ethile. Kodwa-ke, akufanele usetshenziswe cishe kunoma yisiphi isimo ngoba kungadala izinkinga eziningi ekuhwebeni kwakho. Ngokuphambene nalokho, kubalulekile ukusetha intengo eqondiwe ukuze kunqunywe amazinga afanele okufanele uthenge ngawo amasheya. Ngempela, esinye sezihluthulelo zokuhweba ngamasheya ngempumelelo ukulungisa amanani akho okuthengisa. Futhi ngokufanelekile, kufanele ulungise amanani akho okuthengisa. Lokhu kuqinisekisa imbuyiselo engcono kakhulu ekutshalweni kwemali kwakho, okukuvumela ukuthi udlulisele inzuzo kwi-akhawunti yakho yasebhange. Ngakho-ke, akufanele uthenge amasheya nganoma iyiphi intengo, njengoba lokhu kuzokwandisa amathuba okuthi ukuhweba kwakho kuhluleke.
Kwakha ukuzinza okuningi
Nakuba lesi simo singase senzeke, akuyona into evamile kulezi zimakethe zezimali. Ngempela, ukuguquguquka kwentengo yesitoko kuvamile ezinhlanganweni eziningi zokuhweba. Kodwa-ke, umehluko phakathi kwamanani aphezulu naphansi kakhulu uvame ukuba mkhulu kakhulu, ngokuvamile udlula u-2% . Uma ufuna ukuzinza kwemali yakho, imakethe yesitoko ngokuqinisekile akuyona inketho engcono kakhulu, noma ngabe kunezinkathi zokuthula okulinganiselwe nokushintshashintsha okuncane kwamanani. Eqinisweni, ungase ucabangele ezinye izinketho zokutshala imali ezingadingi kakhulu, njengezimali zamasheya noma izinkampani ezithengiswa esidlangalaleni. Lokhu kuzokuvumela ukuthi uqaphe kangcono ukutshalwa kwezimali kwakho nganoma yisiphi isikhathi.
Imali etholakalayo mikhulu kakhulu
Lo mbono awulona iqiniso neze. Nakuba inzuzo ingaba nkulu, ingaba ncane kakhulu, noma ungase ulahlekelwe yimali ekuhwebeni. Ekugcineni, konke kuncike ezintweni eziningi, njengoba kungekho mthetho oqinile wokubikezela ubukhulu benzuzo. Imakethe yamasheya ayibikezeleki nhlobo futhi kunzima ukuyibikezela. Lokhu kungenye yezinto ezikhangayo zalo mkhiqizo wezezimali nokuthi kungani abantu abaningi bekhangwa ukuguquguquka kwawo. Ngakho-ke, lokhu kuyiphutha elingafanele lisetshenziswe, futhi ngokuqinisekile alithathwa ngokungathi sÃna kusukela manje kuya phambili.
Njengoba kungenzeka ukuthi usuqaphele, akudingeki ulalele yonke imibono evela endaweni yokuhweba yezimakethe zezimali. Eqinisweni, kuzodingeka ukhethe kakhulu lokho okufundayo kuzo. Ngoba awukwazi ukukhohlwa ukuthi ngesinye isikhathi zingalimaza izintshisekelo zakho . Phela, yimakethe yamasheya ebalulekile, futhi awukwazi ukushiya ukuhweba kwakho kube ngengozi. Futhi ngokuqinisekile hhayi emibonweni noma ezindabeni ezivela kwabanye abantu abanezintshisekelo ezimakethe zezimali.
Kubaluleke kakhulu ukuthi wazi ukuthi lezi zinhlobo zokusebenza zilawulwa ngezindlela ezithile ikakhulukazi lezo eminye imikhiqizo yezezimali engenazo. Ngoba noma imuphi umcimbi ongathuthuka ungonakalisa amasu okutshala imali asetshenzisiwe. Awukwazi ukukhohlwa nganoma yisiphi isikhathi uma ufuna ukuqondiswa ezindleleni zakho zokwenza ngokuqapha okukhulu ezenzweni zakho.
Kodwa-ke, zingaba usizo kuwe ekuhleleni elinye isu elingajwayelekile. Ngoba ngalo mqondo, kungakunika umkhondo ongajwayelekile mayelana nesimo esingokoqobo noma esingaphansi kwezimakethe zezezimali. Kepha inqobo nje uma uzisebenzisa ngokuqapha okukhulu.