Imali, Personal Finance
Apho ukutyala kwesigidi: khetho
Sele zuza isixa esikhulu semali, imali leyo ichazwa ngamanani emithandathu-nkqu nangaphezulu? Congratulations! Ngoku kuyimfuneko ukuba bacinge apho abeke million, kodwa koko wawangenisa ingeniso!
Into yokuqala eza futhi engqondweni umntu - ungayibeki imali ebhankini idiphozithi. Eyona ndlela inokuthenjwa kwaye ikhuselekile. Nangona kunjalo akazange amlibale imeko okwenzekileyo kwi '90 ... Kakade ke, ubume logcino iye yatshintsha ixesha elide, iidiphozithi abemi zixhomekeke inshorensi enyanzelekileyo, xa kuthe imilinganiselo ngaseludinini uya ngokuqinisekileyo kubuya 700.000 of imali million. Kwaye unako ukubuya yonke - nje ukwahlula imali kwisiqingatha kwaye zigcinwe kwiibhanki ezahlukeneyo. imibuzo malunga nalapho izigidi, kumkhawulela abahlalutyi abemi '- xa ifakwe kwibhanki, kodwa yahlulwe iidipozithi ezininzi zemali ezahlukeneyo, kwaye ukhetha kwibhanki inxaxheba karhulumente. Le yindlela elula kunye okungenani yingozi.
Kwaye ukuba ufuna ukuqinisekisa ukuba imali nje zigcinwe, kwaye yazisa ingeniso encinane zezenzi, yaye "basebenza" yaye bazisa okuninzi? Apho buyanceda ukutyala imali unga kwityala enjalo? Iingcali ukucebisa ukunikela ingqalelo utyalo ngokhuselo. Iinkcukacha-manani zibonisa ukuba kwinkulungwane yokugqibela inzuzo imali eninzi, ie, izibambiso ingeniso, phantse kabini izinga lokwenyuka kwamaxabiso, yaye - ngokwenene ngeniso olunyulu! Oku kuphakamisa imibuzo emininzi - emngciphekweni, imbuyekezo, iwaranti iphelelwe, kwaye umbuzo engundoqo apho. izigidi sinikezwe ngokupheleleyo kwizabelo yenkampani ayeza kuba, ubuncinane, baziziyatha. Soloko kubalulekile ukuba i "stock bucala", nto leyo zigcinwe ifakwe kwibhanki efanayo, xa kuvele imeko kaxakeka apho ukuba ukuthatha kancinci.
Umngcipheko - isizathu entle, kodwa avumele yakhe ayikwazi yonke njalo, abakhaya bethu bakhetha ukuba phambi kwamehlo am yokubonisa eziphathekayo wokuthimba kwabo. Ngomhla umbuzo apho ukutyala million omnye, 99% abemi banoxanduva - izindlu! Iyaqondakala - phambi kokuba lobunzima, amaxabiso yezindlu landa ephala, ukuze nabo babe isixhobo lwabo "utyalo-real estate" ngohlobo zokuhlala, ngokulula ukuyithengisa ngexabiso enisinike okanye ukufumana ezongezelelweyo dovolno- ingeniso yenyanga kusekho a ubukhulu emnandi. Ukuza kuthi ga ngoku, amaxabiso sele izinzisiwe kwaye nokuphucula abanobulungisa nokuthelekiswa babo kwezinga lokwenyuka kwamaxabiso, ukuze olu hlobo lotyalo-mali liyafana ifakwe kwibhanki - inzuzo ayikho mkhulu kangaka cash recalculation! Kakade ke, ukuba ngalo mzuzu unayo izindlu elisusekayo, kwangoko i- sisombululo icacile - kufuneka ukusombulula le ngxaki yezindlu.
Ezi ndlela ziqhelekileyo kwaye ikhuselekileyo ngokolondolozo kunye nokwandiswa kwenkunzi yayo. Nangona kunjalo, kukho inala ongakhetha - lokuvula ishishini labo, ukuthenga igolide kunye nezinye amatye anqabileyo, le yokungena mali omtsha ngokupheleleyo zemali ezithembisa inzuzo enkulu ngexeshana elifutshane, njalo-njalo. Ngoko ke, ngaphambi kokuba ekugqibeleni isigqibo ukutyala imali engange million mnye, balinganise zonke "nezimbi" kunye "nxamnye" ngaphezulu nakanye, ngokuba kulula kakhulu ukuba kutshabalale, kunye nokubuyiselwa ingathatha iminyaka epheleleyo!
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