Uyiqonde ngcono imali-mboleko yebhanki

Kwezemali, imali-mboleko yebhanki sisixa semali ebolekwa ngumntu wendalo okanye osemthethweni komnye umntu wendalo okanye osemthethweni, ukutshintshiselana ngembuyekezo yexa elizayo yemali iyonke kunye nenzala ehlawuliweyo. Imali mboleko yebhanki inokukuvumela ukuba wenze njalo xhasa iprojekthi yakho.

Njengomxhamli, xa uthatha imali-mboleko, uphinda ube netyala ngokuba noxanduva lokuhlawula inqununu ebibolekiwe ngexesha ekuvunyelwene ngalo. Kutheni ndikuxelela yonke lento? kakuhle, ngenxa yokuba abantu abaninzi bekhalazela imali ekufuneka ibuyiswe xa kufanelekile. Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kukunceda ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

Yintoni imali-mboleko?

Imali-mboleko yi isivumelwano phakathi kombolekisi, ngokubanzi ibhanki okanye iziko letyala, kunye nomboleki. Umbolekisi wenza isixa semali sifumaneke kumboleki, othembisa ukuyibuyisela ngexesha elithile. Kukho iintlobo ezahlukeneyo zeemali-mboleko ngokuxhomekeke ekusebenziseni kunye nexesha lemali-mboleko. THE ubambiso ixhasa ngemali ukufunyanwa kwezindlu kwixesha elide, eliphakathi kweminyaka eli-15 nama-25. Iintlawulo zenyanga azitshintshi kulo lonke ixesha.

Le ilungele ukusetyenziswa isetyenziselwa ukuthenga into, isixhobo okanye inkonzo. Ubude bayo bufutshane, ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka embalwa kuxhomekeke kwisixa. Iintlawulo zenyanga zimisiwe. THE Imali-mboleko yobuqu uxhasa iprojekthi yobuqu ngexesha elithile umyinge weminyaka emi-5 ukuya kweli-10. Iintlawulo zenyanga azitshintshi. Ekugqibeleni, ikhredithi ejikelezayo, njengekhadi letyala okanye umgca wetyala, livumela ityala elibhetyebhetye phakathi komda ogunyazisiweyo. Ubuncinci bentlawulo iyahluka nyanga nganye. Funda ngakumbi malunga nemali-mboleko yebhanki….

Phambi kokuba wenze isicelo semali-mboleko, kufuneka uzibuze ukuba ngaba i umbono olungileyo kuwe. Ukuboleka imali luxanduva olukhulu ekufuneka uzithathele lona, ​​kwaye kufuneka uqinisekise ukuba uya kukwazi ukubuyisa isixa esipheleleyo kunye nenzala okanye naziphi na ezinye iintlawulo zemali.

Ukuba ngenxa yaso nasiphi na isizathu uyasilela ukuhlawula imali-mboleko, unokufumana izohlwayo, nto leyo elusizi. Ezi zohlwayo zinokususela kumazinga aphezulu enzala ukuya ekubeni impahla yakho ibangwe kwakhona kunye neerekhodi ezimbi zolwaphulo-mthetho. Enyanisweni, ngaphambi kokufaka isicelo salo naluphi na uhlobo lwemboleko, kufuneka uhlole umvuzo wakho. Ukuba ungumsebenzi, kufuneka ungenise eyakho iziliphu zokuhlawula kwaye kunokwenzeka ileta yomvuzo evela kumqeshi wakhe. Nangona kunjalo, ukuba uyazisebenza, konke okufuneka ukwenze kukubonelela ngobungqina bomvuzo wakho kwiminyaka emibini edlulileyo okanye ngaphezulu kunye nee-invoyisi ukuba ziyasebenza.

Ukuthintela ukufikelela kweli nqanaba lezohlwayo, kufuneka uqinisekise ukuba uyakwazi ukwenza intlawulo efunekayo nyanga nganye ngomhla okanye ngaphambi kwawo kanye umhla obekiweyo. Kuya kufuneka wazi ukuba idatha yetyala lomntu yinxalenye ebalulekileyo yokufumana ingxelo yezemali echanekileyo. Amatyala amaninzi kakhulu avela kwiingxelo zakho ngokuqinisekileyo aya konakalisa ukufaneleka kweshishini okanye umntu ngamnye iminyaka embalwa.

Iindidi mboleko zebhanki

Kukho iintlobo ezininzi zeemali-mboleko zebhanki. Uhlobo ngalunye lwemali mboleko luya kuba nemimiselo kunye neenzuzo ezahlukeneyo, ngoko ke kuya kufuneka uzithelekise ngokulandelelana ukuze wenze isigqibo sokuba yeyiphi eyona ikufanelekelayo kunye neemfuno zakho.

✔ mboleko zomntu 

Amaxesha amaninzi, zonke iibhanki zibonelela ngeemali-mboleko zobuqu, nokuba ziimali-mboleko iqinisekisiwe okanye hayi. Imali-mboleko yobuqu engakhuselekanga ithetha ukuba awubambisi isibambiso njengendlu okanye imoto xa ungasihlawulanga kwimali-mboleko yakho. Ekubeni iimali-mboleko zomntu ezingakhuselekanga azifuni ukubambisa, ababolekisi bajonge kwiingxelo zakho zekhredithi kunye namanqaku okuthenga ngetyala ukunceda ukufumanisa ukuba ungumgqatswa ofanelekileyo wemboleko.

Ngokubanzi, abantu abanereyithingi ze ngetyala eliphezulu uya kufaneleka kwiimeko ezingcono mboleko. Ungakulungela ukufumana imali-mboleko yobuqu engakhuselekanga nokuba ikhredithi yakho ilungile okanye imbi. Kodwa unokufuna ukuthenga ngeenxa zonke ukuze uqiniseke ukuba izinga lenzala kunye nentlawulo yenyanga iyafikeleleka kuhlahlo lwabiwo-mali lwakho.

Ukuba, kwelinye icala, ufaka isicelo semali mboleko eqinisekisiweyo, kuya kufuneka unikeze uhlobo oluthile lwesibambiso, olufana nemoto okanye isatifikethi sediphozithi, "ukuqinisekisa" imali-mboleko yakho. Iimali-mboleko zobuqu ezikhuselweyo zihlala zinenzala ephantsi kunemali-mboleko yobuqu engakhuselekanga. Inzuzo yeemali-mboleko zomntu kukuba le mali singayisebenzisa ngendlela esinqwenela ngayo. Le mali yemboleko yobuqu inokusetyenziselwa ukuya ekhefini okanye ukuthenga i-smartphone entsha.

✔ imali-mboleko yabafundi

Olu lukhetho olukhulu lokunceda abafundi. Iimali-mboleko ezixhaphakileyo kolu didi ziye amazinga enzala afanelekileyo. Njengomfundi osisigxina, akunyanzelekanga ukuba ubuyise ezi mboleko kwangoko. Nangona kunjalo, kufuneka uhlawulwe okufanayo wakugqiba izifundo zakho kwaye uqalise ukusebenza.

Isixa-mali semali-mboleko sixhomekeke kwiimfuno zomfundi, ixesha lezifundo zakhe kunye namathuba okubuyisela emva kokuba engene kubomi bokusebenza. Umboleki akafuneki ukuba athethelele ukusebenzisa kwakhe iimali ezibolekiweyo. Zingasetyenziselwa ukuxhasa ngezimali izifundo zakho, ukuhlawula iindleko zemihla ngemihla (irenti, idiphozithi, isithuthi, njl.njl.) okanye ukuxhasa ngemali ukufunyanwa kwempahla eyinkunzi.

Ezinye iibhanki zikwabonelela ngokukhutshwa okuqhubelekayo, okuthetha ukuba iimali zinokukhutshwa kancinci ngonyaka, endaweni yokuba zenziwe zifumaneke zonke ngaxeshanye. Le fomula inomdla kuba iimali zihlawulwa ngokuhambelana neemfuno zokwenyani zomfundi.

✔ Iimali zokubambisa

Une I-mortgage yimali-mboleko - enikezelwa ngumbolekisi we-mortgage okanye ibhanki - evumela umntu ukuba athenge indlu okanye ipropati. Nangona kunokwenzeka ukuthabatha imali-mboleko ukuze uhlawule zonke iindleko zendlu, kuxhaphake ngakumbi ukuboleka imali malunga ne-80% ngexabiso lendlu.

Imali-mboleko kufuneka ihlawulwe ekuhambeni kwexesha. Ikhaya elithengiweyo lisebenza njengesibambiso semali ebolekwe kumntu ukuze athenge ikhaya. Ezi zezona mboleko zinkulu kwezakha zafunyanwa. Xa uceba ukuthenga ikhaya lakho lokuqala okanye umhlaba, le mboleko yeyona ndlela ilungileyo. Imali yokubambisa iqinisekiswa liqumrhu othenga kulo.

✔ mboleko yemoto 

Imali-mboleko yemoto ayiyonto ngaphandle kwemali onokuthi wena, njengomthengi, uboleke kwiibhanki okanye kumaziko emali ukuze ufezekise iphupha lakho lokuthenga imoto. Imali-mboleko yemoto yimali-mboleko yomthengi, inikezelwa kumntu (okanye inkampani) enqwenela ukuthenga isithuthi esitsha okanye esisetyenzisiweyo. Ekubeni engenamali efunekayo ekuthengeni okunjalo, lo mntu ufuna imali aze aguqukele kumbutho wamatyala ukuze amncede.

Le bhanki ihlawula umthengisi endaweni yomthengi kwaye ngokutshintshiselana lo mva ubuyisela imali efunekayo kwinyanga nganye ngendlela yentlawulo yenyanga. Ngembuyekezo, uhlawula isixa-mali semali-mboleko evunyiweyo ngezinga lenzala elichaziweyo. Intlawulo epheleleyo kumthengisi weemoto yenziwa yibhanki kwaye wena, njengomthengi, uqhubeke uhlawula ibhanki ngexesha lexesha kunye nenzala esebenzayo kunye neentlawulo. Nali inqaku ukuba uthetha nawe ngokucacileyo malunga mboleko yemoto.

✔ imali-mboleko yomhla wokuhlawula

Iimali-mboleko zosuku lwentlawulo yimali-mboleko ixesha elifutshane kunye neendleko eziphezulu ezidla ngokufuneka ngosuku lwakho olulandelayo lokurhola. Amazwe alawula ababolekisi bosuku lokurhola ngokwahlukileyo, okuthetha ukuba imali ekhoyo yemali mboleko, imali-mboleko kwaye ixesha ekufuneka uhlawule ngalo linokwahluka ngokuxhomekeke kwindawo ohlala kuyo. Kwaye abanye bathi bavala iimali-mboleko zomhla wokurhola ngokupheleleyo.

Ukubuyisela imali-mboleko, kuya kufuneka ubhale itshekhi esele ihlawulwe okanye ugunyazise umbolekisi ukuba akhuphe ngokuzenzekelayo imali oyibolekileyo, kunye nayo nayiphi na inzala okanye imali, kwiakhawunti yakho yebhanki. Iimali-mboleko ze-Payday zinemirhumo ephezulu enokuthi ifikelele kwiipesenti zepesenti zonyaka ezinokuthi yiya ku 400%.

Ukufumana imali-mboleko yosuku lokuhlawula kunokuba luncedo ukuba ukwimeko enzima kwaye akunayo imali yokulondoloza okanye ukufikelela kwiindlela ezingabizi kakhulu zekhredithi. Ndincoma eli nqaku ukuqonda ngcono iinkcukacha zemali-mboleko yosuku lokuhlawula.

✔ imali mboleko yezindlu

Imali mboleko yezindlu luhlobo lwemali mboleko ekhuselekileyo apho ikhaya lakho lisetyenziswa njengesibambiso. Isixa onokuthi usiboleke sixhomekeke kwi-equity onayo kwikhaya lakho. Kukwaxhomekeke kumahluko phakathi kwexabiso lemarike yekhaya lakho kunye nesixa osibambayo kwikhaya lakho. Ngokuqhelekileyo awukwazi kuboleka ngaphezulu kwe 85% ye-equity kwikhaya lakho. Njengoko usebenzisa ikhaya lakho njengesibambiso, izinga lakho lenzala kunye nemali mboleko yendlu inokuba ngaphantsi kunemali mboleko yakho engakhuselekanga.

Ungasebenzisa imali mboleko yakho yezindlu ngeenjongo ezahlukeneyo, ukusuka ekuphuculweni kwekhaya ukuya kumatyala ezonyango.

✔ Iimali-mboleko zekhadi letyala

Xa usebenzisa ikhadi letyala, kufuneka uqonde ukuba kuya kufuneka uhlawule nakuphi na ukuthenga okwenzileyo ekupheleni komjikelo wokuhlawula. Amakhadi okuthenga ngetyala amkelwa phantse kuyo yonke indawo, naxa uhamba phesheya. Njengenye yeendlela ezifanelekileyo zokuhlawula amatyala akho, iye yaba luhlobo oludumileyo lwemali mboleko.

Ukufaka isicelo kunye nokuzuza kwikhadi letyala, gcwalisa ngokulula ifom yesicelo enikezwe ngumniki wekhadi. Usenokukhetha ukufaka isicelo sekhadi letyala kwi-intanethi. La makhadi eplastiki anika umvuzo omkhulu kunye neenzuzo. Le yimali-mboleko ekufuneka uyibuyisele ngexesha, yi-ovadrafti yebhanki.

Ngokucacileyo, kukho imigibe enxulumene nolu hlobo lwemali-mboleko. Kufuneka uqonde ukuba kukho inzala eninzi kwimali oyibolekayo kwikhadi lakho letyala. Ukuba awuwahlawuli ngexesha amatyala akho, inzala iya kuqhubeka isanda. Ungakufumanisa kunzima ukulawula iimali zakho ngokunyuka kwebhalansi eseleyo. Kodwa ukuba usebenzisa ikhadi lokuthenga ngetyala ngobulumko kwaye ucime onke amatyala akho ngexesha, ngokuqinisekileyo unokungqina oko kumhlobo wakho osenyongweni epokothweni yakho. Ndiyakumema ukuba ufunde eli nqaku ukuze ufumane impendulo indlela yokunciphisa iindleko zebhanki.

✔ Imali mboleko yamashishini amancinci

Imali-mboleko yamashishini amancinci yimali-mboleko enikezelwa kumashishini amancinci naphakathi ukuze ahlangabezane neemfuno ezahlukeneyo zoshishino. Ezi mboleko zingasetyenziselwa iinjongo ezahlukeneyo ezinceda ekukhuleni kweshishini. Ezinye zezi zinto zinokubandakanya ukuthenga izixhobo, ukuthenga iimpahla, ukuhlawula imivuzo yabasebenzi, iindleko zentengiso, njl.

Indlela yokufaneleka kwimali-mboleko yamashishini amancinci iyahluka ukusuka kumbolekisi ukuya kumbolekisi. Ezona zixhaphakileyo bubudala bomnini-shishini, inani leminyaka ishishini liqhuba ngayo, iimbuyekezo zerhafu, kunye nengxelo yengeniso yonyaka ophelileyo eye yaqinisekiswa yi-chartered accountant (CA).

✔ mboleko yokuphucula ikhaya

Uninzi lwababolekisi-mali lubonelela ngemali mboleko yokusungula indawo yokuhlala. Ezi zingasetyenziselwa ukuhlawula iindleko ezinxulumene nokuhlaziywa, ukulungiswa okanye ukuphuculwa kwepropati yokuhlala ekhoyo. Ngokuxhomekeke kumbolekisi, kukho ukuguquguquka okuninzi kwinto onokuyenza ngemboleko yokuphucula ikhaya. Ungayisebenzisa ukuthenga iimveliso okanye ukuhlawula iinkonzo.

umzekelo, ungayisebenzisa ukuhlawula iinkonzo zekontraka, umakhi wezakhiwo okanye umyili wangaphakathi. Ungayisebenzisa kwakhona ukuthenga ifenitshala, izixhobo zasekhaya ezifana nefriji, njl. Ingasetyenziselwa ukupeyinta, ukuchwela okanye umsebenzi wokwakha.

✔ Imali-mboleko yezolimo

Imali-mboleko yezolimo ziimali-mboleko ezinikwa amafama ukuhlawula iindleko zemihla ngemihla okanye iimfuno zokulima ngokubanzi. Ezi mboleko zinokuba zexesha elifutshane okanye elide. Zisenokusetyenziswa ukwandisa imali yokusebenza kwizityalo okanye ukuthenga izixhobo zasefama.

✔ Iimali-mboleko zezithuthi ezinamavili amabini

Isithuthi esinamavili amabini sibaluleke kakhulu kwihlabathi lanamhlanje. Nokuba luhambo olude okanye indlela ephithizelayo esixekweni - iibhayisekile kunye nee-scooters zikunceda ukuba uhambe ngokulula. Kulula ukufaka isicelo semali-mboleko yemoto enamavili amabini. Le mali uyibolekayo phantsi kolu hlobo lwemali-mboleko ikunceda ukuba uthenge isithuthi esinamavili amabini. Kodwa ukuba uyasilela ukuhlawula izavenge ngexesha kwaye ucime ityala lakho, i-inshurensi iyakuthatha amavili akho amabini ukubuyisela imali oyibolekiweyo.

✔ mboleko zegolide

Imali-mboleko yegolide inokusetyenziselwa ukunyusa izinga lokuhlawula amatyala, ukuhlangabezana neemfuno zikaxakeka okanye ezilindelekileyo zemali. Inokunceda ekwandiseni ishishini, imfundo, iimeko zikaxakeka zonyango, iindleko zezolimo, njl. Imali-mboleko kwigolide yimali-mboleko eqinisekisiweyo apho igolide ibekwa njengesibambiso kwisixa-mali semali-mboleko ehambelana nexabiso layo lemarike ngosuku igolide eyayibanjiswa ngalo.

✔ Iimali-mboleko zabathengi ezizinzileyo

Iimali-mboleko ezihlala ixesha elide zabathengi ziimali-mboleko ezisetyenziselwa ukuxhasa ngemali ukuthengwa kwezinto ezihlala ixesha elide ezifana nezixhobo ze-elektroniki kunye nezixhobo zombane zasekhaya. Kuxhomekeke kumntu obolekisa ngemali, zinokusetyenziswa ukuthenga nantoni na ukusuka kwiselfowuni ukuya koomabonakude.

✔ Ingxowa-mali ehlangeneyo kunye nemali mboleko yesitokhwe

Abanye ababolekisi benza iimali-mboleko ngokuchasene nexabiso lengxowa-mali yakho kunye nexabiso lesitokhwe sakho. Nangona kunjalo, awuyi kukwazi ukuboleka imali eninzi phantsi kolu hlobo lwemali mboleko.

Imali-mboleko yexesha elifutshane

Imali mboleko yexesha elifutshane, ebizwa ngokuba yi-short-term credit, ibhekisela kwimali-mboleko ethatyathwe ixesha elide leminyaka emi-2. Ikuvumela ukuba uxhase ngemali ukuthengwa kwezinto zomthengi (imoto, izixhobo zasekhaya, ifenitshala, njl.njl.) okanye iinkonzo, kwixesha eliphakathi kweenyanga ezi-6 kunye neminyaka emi-2. Isixa ngamawaka ambalwa eeuro. Le yimali yokugcina imali, ngendlela yekhadi letyala okanye umgca wekhredithi, enokusetyenziswa ngokuguquguqukayo ngaphakathi kwesilingi. Ubude bayo jikelele Iminyaka emi-2 ivuselelwa.

Kukugqithiswa okwethutyana, ukusuka kwiintsuku ezimbalwa ukuya kwiinyanga ezimbalwa, kwibhalansi ye-akhawunti yebhanki egunyaziswe yibhanki. Iimali-mboleko zexesha elifutshane ke ngoko zisetyenziselwa ukukhawulelana neemfuno zenkxaso-mali zangoku kodwa zexeshana, ngaphandle kokuzibophelela kwixesha elide kakhulu. Inzala iphezulu ukuhlawulela ixesha elifutshane.

Izinto eziluncedo kunye nokungalunganga kwimali-mboleko yexesha elifutshane

✅ Inzuzo	❌ nobubi
✔️ Ixesha elifutshane elilungiselelwe iimfuno zangoku (iinyanga ezi-6 ukuya kwezingama-24)	✔️ Iindleko eziphezulu ezinenzala ephezulu (ihlala ingaphezulu kwe-5%)
✔️ Izixa ezifikelelekayo ukusuka kumakhulu ambalwa ukuya kumawaka ambalwa eeuro	✔️ Imbuyekezo ekhawulezayo kwaye ebophelelayo kwiminyaka embalwa
✔️ Ifunyenwe ngokukhawuleza ngeentsuku nje ezimbalwa	✔️ Umngcipheko wohlaziyo rhoqo kunye nokujikeleza kwamatyala
✔️ Ukufumana iimeko zibhetyebhetye ngakumbi kunexesha elide	✔️ Ayifanelekanga ukuxhasa ngemali iiprojekthi ezibalulekileyo zobomi (indawo yokuhlala ephambili, njl.
✔️ Isisombululo esiluncedo sexeshana xa kukho imfuneko yemali engxamisekileyo	✔️ Ayibandakanyi igalelo lomntu kwezinye iimali-mboleko (i-real estate, njl.)
✔️ Ikuvumela ukuba ujongane nesiganeko esingalindelekanga okanye ukwehla komvuzo	✔️ Ukuthengiswa kwakhona kwepropathi akunakwenzeka ngaphambi kokuba ubuyiselwe ngokupheleleyo

Inzuzo yexesha elifutshane ilele ekufikelelekeni ngokukhawuleza. Kodwa ixabiso eliphezulu kunye nemingcipheko ehambelana nayo ifuna ukuphaphela.

Imali mboleko yexesha elide

Iimali-mboleko zexesha elide ziintlobo zeemali-mboleko ezinexesha elide lokubuyisela, ngokwesiqhelo ngaphezulu kweminyaka emihlanu. Zihlala zisetyenziselwa iiprojekthi ezinkulu njengokuthenga indlu, ukuthenga imoto okanye ukuxhasa ngezimali iprojekthi yeshishini.

Enye yeenzuzo zeemali-mboleko zexesha elide kukuba iintlawulo zenyanga zinokuba ngaphantsi, kuba ixesha lemali-mboleko li ixesha elide. Oku kunokuba luncedo ngakumbi kwiindleko ezinkulu ezifuna imali eninzi. Ukongeza, inzala yemali-mboleko yexesha elide inokulungiswa okanye iguquguquke. Inzala ezinzileyo iqinisekisa ukuba inzala ayiyi kutshintsha ebomini bemali-mboleko, inika uzinzo olukhulu lwemali kubaboleki.

Nangona kunjalo, iimali-mboleko zexesha elide nazo zineengxaki. Okokuqala, iindleko yenzala zinokuba phezulu kubomi bemali-mboleko, okuthetha ukuba uya kuhlawula inzala eninzi kwimali-mboleko.

Izinto eziluncedo kunye nokungalunganga kwimali-mboleko yexesha elide

Nalu uguqulelo oluneenkcukacha ngakumbi lwetheyibhile yokuthelekisa iingenelo kunye nokungalunganga kwimali-mboleko yexesha elide:

✅ Inzuzo	❌ nobubi
✔️ Ixesha lokubuyisela ixesha elide ukusuka kwi-5 ukuya kwi-25 iminyaka, ukuya kuthi ga kwi-30 iminyaka kwi-real estate	✔️ Ukubophelela ukuzibophelela ekubuyiseleni iminyaka emininzi
✔️ Izixa eliphezulus ukusuka kumashumi ambalwa ukuya kumakhulu aliqela amawaka eeuro	✔️ Ukufumana iimeko zingqongqo kunexesha elifutshane
✔️ Amaxabiso enzala asezantsi kunetyala lexeshana, malunga ne-2%	✔️ Ixesha elide lokuhambisa, ukusuka kwiinyanga ezi-1 ukuya kwezi-6
✔️ Ilungele ukuxhasa ngemali iiprojekthi ezinkulu: indawo yokuhlala ephambili, izifundo, njl.	✔️ Iindleko zizonke kunye nenzala eyongezelelekileyo kwikota yonke
✔️ Yenza igalelo lomntu wezinye iimali-mboleko, ngakumbi izindlu nomhlaba	✔️ Ukuhlawula kwangaphambili okuntsonkothileyo kunye neendleko
✔️ Ikuvumela ukuba ugcine kwaye wenze imali ye-asethi	✔️ Umngcipheko wamatyala onzima kakhulu kwaye kunzima ukuwuthwala
✔️ Kuququzelelwe ukuhanjiswa kwelifa lemveli elimiselweyo	✔️ Ukuthengisa kwakhona akunakwenzeka ngaphambi kokuba ubuyiselwe ngokupheleleyo

Umdla wexesha elide ulele amanani aphezulu kunye namazinga aphantsi. Kodwa ityala elibangelwe lifuna ukuba silumke.

Kunini xa kufuneka ukhethe enye okanye enye?

Iimali-mboleko zexesha elifutshane zikhethwa ngokubanzi kwiimali-mboleko zexesha elide kwiimeko ezithile. Ngokomzekelo, Ukuba ufuna inkxaso-mali ekhawulezileyo yeendleko ezingalindelekanga okanye uqinisekile ukuba ungayibuyisela imali mboleko ngexesha elifutshane, imali-mboleko yexesha elifutshane inokufaneleka ngakumbi.

Ukongeza, iimali-mboleko zexesha elifutshane zihlala zisetyenziselwa iindleko ezincinci. Kwezi meko, imali-mboleko yexesha elide ayinakwenzeka azinakuthethelelwa ngenxa yeendleko zenzala kubomi bemali-mboleko ingaba phezulu kuneendleko zeendleko ngokwayo. Okokugqibela, iimali-mboleko zexeshana elifutshane zinokufaneleka ngakumbi kubantu abaneembali zetyala ezibuthathaka okanye abanakho ukukwazi ukuyibuyisa. Ababolekisi banokuba ngaphezulu ukulungele ukuvuma imali-mboleko okwexeshana elifutshane kuba azinabungozi kangako kunemali-mboleko yexesha elide.

Iikhrayitheriya	Ixesha elifutshane	Ixesha elide
ubude	2 namaSidon  Imali-mboleko ngexesha elifutshane	5 kwiminyaka eyi-25  Ukuya kutsho kwiminyaka engama-30 kwimali mboleko yendlu
Izixa	Amakhulu ambalwa ukuya kumawaka ee-euro Ivumela ukuba uhlawule iimfuno ezinyiniweyo	Amashumi amawaka ukuya kwizigidi ezininzi zee-euro Ngemali yeeprojekthi ezinkulu
Umgangatho wenzala	Amazinga aphezulu, rhoqo > 5%  Iindleko eziphezulu zetyala	Amaxabiso aphantsi, ukusuka kwi-2 ukuya kwi-5%  Iindleko zetyala kunye nomxholo
ukusetyenziswa	Iimfuno zexeshana Ukuhamba kwemali, iziganeko ezingalindelekanga...	Iiprojekthi ezibalulekileyo Indawo yokuhlala ephambili, izifundo...
Ukufumana iimeko	Iimeko zonikezelo eziguquguqukayo Kufikeleleka ngakumbi	Iimeko zonikezelo ezingqongqo Iziqinisekiso ezifunekayo
Amaxesha okuhanjiswa	Iintsuku ezimbalwa Impendulo ekhawulezayo kakhulu	Iinyanga 1-6  Ukunyuswa kwesiqulathi seefayili
Ukuhlawula kwangaphambili	Ukusebenza okulula Kunokwenzeka ngembuyekezo	Umsebenzi ontsonkothileyo nonexabiso eliphezulu Izohlwayo eziphazamisayo

Le theyibhile eneenkcukacha ngakumbi yenza kube lula ukuqonda ama-nuances phakathi kwexesha elifutshane kunye nexesha elide kwikhrayitheriya nganye.

isiphelo

Ukuqukumbela, eli nqaku liye lenza nzulu ukuqonda kwethu imali-mboleko yebhanki kunye nokubaluleka kwayo ekwenzeni iiprojekthi zomntu kunye nezobuchwephesha. Sihlolisise izigaba ezahlukeneyo zenkqubo yokufaka isicelo semali-mboleko, ukusuka ekulungiseleleni isicelo esiqinileyo ukuya kuthethathethwano nebhanki.

Sikwagxininise ukubaluleka kokubonisa isicwangciso soshishino esinyanzelisayo, ukuphanda ngamaziko emali afanelekileyo, nokulungiselela iintlanganiso nabameli beebhanki. Ukongeza, siye sajongana nomba wezinye iindlela xa kuthe kwakwalwa imali-mboleko, sikhuthaza abafundi ukuba bajonge ezinye iindlela ezikhoyo zokufumana imali. Kubalulekile ukuqonda ukuba ukufumana imali-mboleko yebhanki kunokuba yinkqubo entsonkothileyo kwaye enzima, kodwa ngokulandela ezona ndlela zilungileyo kunye nokuzilungiselela kakuhle, kunokwenzeka ukwandisa amathuba akho okuphumelela.

FAQ

Yintoni imali-mboleko yexesha elifutshane?

Imali-mboleko yexesha elifutshane luhlobo lwemali-mboleko ekufuneka ihlawulwe ngexesha elifutshane, ngaphantsi kweminyaka emihlanu.

Yintoni imali-mboleko yexesha elide?

Imali-mboleko yexesha elide luhlobo lwemali-mboleko enexesha elide lokuhlawula, elingaphezulu kweminyaka emihlanu.

Ngowuphi umahluko phakathi kwemali mboleko yexesha elifutshane neyexesha elide?

Owona mahluko uphambili phakathi kweemali-mboleko zexesha elifutshane kunye nexesha elide lixesha lokuhlawula kunye nenzala. Iimali-mboleko zexesha elifutshane zinexesha elide lokuhlawula amazinga enzala amafutshane nasezantsi. Iimali-mboleko zexesha elide zinexesha elide lokuhlawula kunye nenzala ephezulu.

Ndingayikhetha nini imali-mboleko yexesha elifutshane?

Iimali-mboleko zexesha elifutshane zilungile kwiindleko ezincinci. Zisenokufaneleka ngakumbi kubantu abaneembali zetyala ezibuthathaka.

Ndingayikhetha nini imali-mboleko yexesha elide?

Iimali-mboleko zexesha elide zikhethwa ngokubanzi kwiiprojekthi ezinkulu ezinjengokuthenga ikhaya okanye ukuxhasa ngemali iprojekthi yeshishini. Basenokunikezela ngeentlawulo eziphantsi zenyanga kodwa babe neendleko eziphezulu zenzala kubomi bemali-mboleko.