Indlela yokulawula ngokufanelekileyo impahla yam

Ndingazilawula njani izinto zam ngokufanelekileyo? Ukuphucula ulawulo lwempahla yakho kubalulekile ukuze khusela ikamva lakho lezemali kunye nokwenza iiprojekthi zobuqu. Nokuba unee-asethi ezimbalwa okanye ezininzi, kubalulekile ukuba uzilungelelanise kakuhle, uzikhulise kwaye ulindele usulelo lwazo lwexesha elizayo.

Nangona kunjalo, phakathi kweemveliso ezintsonkothileyo zemali, ukutshintsha kweerhafu kunye namahla ndinyuka obomi, akusoloko kulula ukuhamba. Abaninzi baziva bengento yanto baze bawubekel’ umva lo msebenzi, nangona kunjalo obalulekileyo kwimeko yabo yemali iyonke.

Ngeli nqaku elibhaliweyo kunye neengcali zokubonisana nelifa lemveli, ndifuna ukukunika izitshixo ezisebenzayo ukuze ubone izinto ngokucacileyo. Sikunye siza kuxoxa ngendlela yokuhlalutya ngokuzolileyo imeko yakho yangoku, sichaze iinjongo zakho zexesha eliphakathi kunye nexesha elide, kunye nokuphumeza izicwangciso ezifanelekileyo zokuziphumeza.

Injongo yam kukuvumela ukuba ujongane nabaphathi bempahla yakho ngokuzolileyo, ukuze ibe sisixhobo sokwenyani ukufezekisa iiprojekthi zakho. Landela isikhokelo ukuze ekugqibeleni ube ngumdlali onolwazi kwikamva lakho lezemali!

🥀 Khusela impahla yakho kwiingozi zempilo

Ukwenzeka kwengxaki enkulu yempilo, ingozi okanye ukufa kwangaphambi kwexesha kusapho kunokubeka emngciphekweni ulungelelwaniso lwemali kunye neziphumo ezinzima kwilifa lemveli. Phakathi kwelahleko yomvuzo enxulumene nekhefu lokugula kunye neendleko zempilo, impembelelo inkulu ukuba asikwazanga ukuzikhusela.

Nazi iikhontrakthi ezahlukeneyo ezikuvumela ukuba ukhusele impahla yakho kwiingozi zempilo.

✔️ Iinshurensi yokhathalelo lwexesha elide

I-inshurensi yokhathalelo lwexesha elide luhlobo lwe-inshurensi yabucala ekhusela umngcipheko wokulahleka kokuzimela. Isebenza kumgaqo weannuity ehlawulwe kumntu oxhomekeke kuye ukuze akwazi ukuxhasa ngemali uncedo oluyimfuneko ukuze agcinwe ekhaya okanye kwiziko elikhethekileyo.

I-inshurensi yokunakekelwa kwexesha elide inceda ukukhusela kwimiphumo yezemali yokulahleka kokuzimela. Ukuba uxhomekeke, i-inshurensi ihlawula zonke okanye inxalenye yeendleko eziyimfuneko: iindleko zokunceda ekhaya, ukubekwa kwindawo ekhethekileyo, ukulungiswa kwezindlu, njl.

Izibonelelo zemihla ngemihla nazo ziyabonelelwa. Le khontrakthi ibandakanya intsalela ekufuneka ihlawulwe xa uncedo loluntu lutsaliwe.

Ukongeza kwinqanaba lokuxhomekeka okuqinisekisiweyo, funda ngokucophelela inkcazo ye-inshurensi yokunakekelwa kwexesha elide: isixa semali okanye i-annuity ebonelelweyo, i-deductible enokwenzeka, iimeko zokuhlaziywa, imimiselo kunye neemeko zokuzisa iziqinisekiso kumdlalo, njl.

Ezinye iikhontrakthi zibonelela ngoncedo lokulungelelanisa abachaphazelekayo. Kwakhona thelekisa ukhuselo lwakho lwangoku nolo lweqabane lakho kunye nabo banyukayo. I-inshurensi yokhathalelo lwexesha elide kufuneka ikhethwe ngononophelo ukuba ukhuseleko olupheleleyo.

✔️Inshurensi yokufa

Ikhontrakthi ye-inshorensi yokufa, ekwabizwa ngokuba yi-inshurensi yokufa, iqinisekisa ukuhlawulwa kwenkunzi echazwe kwangaphambili kubaxhamli xa kuthe kwasweleka lowo ufakwe kwi-inshorensi. Le mali ivumela abantu ababathandayo ukuba bahlawule iindleko zomngcwabo kunye nelifa, kunye nokubuyisela ilahleko yomvuzo. Isixa-mali kufuneka sibekwe ngokweemfuno zokwenyani zabaxhamli kunye nempahla ekhoyo.

Ukutyunjwa kwabaxhamli kubalulekile kwikhontrakthi ye-inshorensi yokufa. Khumbula ukuyihlaziya rhoqo xa kukho utshintsho kwimeko yosapho. Unokukhetha umxhamli omnye okanye ukwahlula inkunzi phakathi kwabantu abaninzi. Igatya lokubuyisela umva livumela inkunzi ukuba yabiwe ngokutsha xa kusweleka iqabane, umzekelo.

Kunconywa ukuba uchaze ngokucacileyo i-inshurensi yokufa kunye nekhontrakthi yomngcwabo. Oku kokugqibela kuya kwenza ukuba kube lula ukuxhasa ngemali ngokuthe ngqo iindleko zomngcwabo, inkunzi yokufa emva koko ibuyele kwizalamane ukuze ihlawule ilahleko yengeniso ngaphandle kokuhlawula ifa.

Chonga a kufutshane ekuthembeni njengomxhamli wekhontrakthi yomngcwabo yokulawula umngcwabo njengoko uthanda. Eyona ndlela ilungileyo ibandakanya ukugubungela umngcwabo kusetyenziswa ikhontrakthi ezinikeleyo, emva koko kuqinisekiswe intsalela yeendlalifa.

✔️ Isiqinisekiso somngcwabo

Ikhontrakthi yomngcwabo okanye i-inshurensi yomngcwabo ikuvumela ukuba wenze inkunzi eza kuhlawulwa ngexesha lokufa ukuze uhlawule ngokuthe ngqo umngcwabo ngokweminqweno yakho. Oku kuthintela intsapho ekubeni ihambele phambili imali ngexesha likaxakeka. Iimali ezigciniweyo nazo zikhula ngokubanzi zibe yingxowa-mali ye-euro ekhuselekileyo. Ngoko ke le mvumelwano yomngcwabo inika uxolo lwengqondo lokwenene.

Kukho iifomula ezimbini: ikomkhulu lomngcwabo ehlawula isixa kubaxhamli ukuze baququzelele umngcwabo ngokukhululekileyo. Okanye isivumelwano somngcwabo eqinisekisa ukuhlawuleka kweendleko zomngcwabo ukuya kutsho kwisilingi kunye neqabane.

Kuzo zombini ezi meko, i-pre-financing iqinisekisa lo mba. Ukukhetha inani, qikelela ngokuchanekileyo uhlahlo lwabiwo-mali olufunekayo kumngcwabo wakho ofanelekileyo.

Ukujongana nomba wemingcwabo akusoloko kulula. Noko ke, kububulumko ukulungiselela oku kwangaphambili ukuze uphephe ukwenza izigqibo kwiimeko zonxunguphalo ezingokweemvakalelo. Yazisa usapho lwakho ngeminqweno yakho ethile: uhlobo lomsitho, indawo yokungcwaba, isaziso somngcwabo, iintyatyambo, njl.

✔️ Iinshurensi yezempilo eyongezelelweyo

I-inshurensi yezempilo yinkqubo yokhuseleko loluntu evumela ukuhlawulelwa ngokupheleleyo okanye inxalenye yeendleko zempilo. Inokuxhaswa yi-inshurensi yezempilo yabucala okanye edibeneyo. Nangona kunjalo, yenza intsika yokuhlawula iindleko zempilo.

I-inshurensi yezempilo eyongezelelweyo ibandakanya ukhathalelo lwempilo kunye neendleko ezingabuyiswanga yi Ukhuseleko lasekuhlaleni : ukugqithiswa kweentlawulo, izinga lesibhedlele lemihla ngemihla, iprosthesis yamazinyo, i-osteopathy, njl.

Ivumela ukuphepha kwangaphambili kweendleko. Hlalutya ngononophelo itheyibhile yeziqinisekiso: izinga lembuyekezo ngokwezinto, iisilingi ezinokwenzeka, ukutsalwa kwemali, njl.

Iifomyula ezithandwayo ezibandakanya ukubuyiselwa kweentlawulo ezingaphezulu kweentlawulo kumacandelo angenakontrakthi, ulawulo lwegumbi labucala, iphakheji yokubeleka okanye iziqinisekiso ezithile zokubhukuda.

✔️ Ilahleko yesiqinisekiso somvuzo

Ilahleko yesiqinisekiso somvuzo ikubonelela ngengeniso ebuyiselweyo xa ukwikhefu lokugula okanye ingozi. Ihlawulela ukuhla komvuzo ngenxa yokungakwazi ukusebenza okanye ukungasebenzi.

Qwalasela amaxesha okulinda, umvuzo oqinisekisiweyo, iintlobo zokumiswa ezikhuselweyo, kunye nokungahlawuliswa kwimeko yokukhubazeka okusisigxina ngokukodwa. Oku umnatha wokhuseleko lwemali ibalulekile kwimeko yokuvalwa kwexesha elide.

Kuyenzeka ukugcina esi siqinisekiso emva kokuthatha umhlalaphantsi. Iingozi zobomi azikho mntu! Umhlalaphantsi wokukhubazeka uya kuba sisongezo esamkelekileyo kwingeniso xa kukho ingxaki enkulu eyenzeka ebudaleni.

Igalelo lincinci ngokumalunga nokhuseleko olubonelelweyo. Musa ukurhoxisa kakhulu ngokukhawuleza ilahleko yakho ye-inshurensi yomvuzo ulindele umhlala-phantsi. Iingozi zempilo azinabudala.

✔️ I-inshurensi yomboleki

I-inshurensi yomboleki yikontrakthi ye-inshurensi eqinisekisa ukubuyiswa kwe-mortgage okanye imali-mboleko yomthengi xa kwenzeka iziganeko ezithile.

Kunyanzelekileyo kuwo onke ama-mortgages, i-inshurensi yomboleki ibuyisela imali-mboleko kwimeko yokufa okanye ukukhubazeka komntu ofakwe kwi-inshorensi. Esi siqinisekiso sithintela ukuba ityala lingabinzima kwizalamane. Hlalutya i-TEG kakuhle kunye nangaphandle kwe-inshurensi ukuthelekisa unikezelo.

Uluhlu lwemibuzo yezempilo lusekelwe kwizinga lomntu ngamnye. Hlaziya ukhuseleko oluluqilima lwemali-mboleko. Thatha ixesha lokuthelekisa izivumelwano ezinikezelwa yibhanki kunye neenkampani ze-inshurensi. Amaxabiso ahluka kakhulu ngokuxhomekeke kwiziqinisekiso kunye neenketho ezibandakanyiweyo.

Funda ngokweenkcukacha iimeko eziqhelekileyo zomboleki-inshurensi. Ukongeza ekufeni, qinisekisa ukuba ukungasebenzi, ukungakwazi kunye nokulahlekelwa ngumsebenzi nako kuyahlawulwa. Qwalasela igatya lokubuyela kwakhona kunye ne-recidivism elithintela ukuchithwa kwekhontrakthi.

🥀 Khusela ii-asethi zam ekunyukeni kwamaxabiso

Ngokunyuka kwamaxabiso, amaxabiso eempahla neenkonzo ayanda, nto leyo enokuba ne- ifuthe kugcino lwakho namandla akho okuthenga. Ukuba awuthathi manyathelo okukhusela impahla yakho, usengozini lahlekelwa lixabiso ngokuhamba kwexesha. Oku kunokwenza kube nzima ukufezekisa iinjongo zakho zemali zexesha elide.

✔️ Iziphumo ezibi zokunyuka kwamaxabiso emali ekongeni

Izinga eliphezulu lokunyuka kwamaxabiso elifana neli sijongene nalo ngoku linefuthe elibi kakhulu ekongeni ukuba akukho manyathelo athathiweyo ukukhusela kulo. Ngokwenene, ngokunyuka kwamaxabiso ngokubanzi, amandla ethu okuthenga aye ehla unyaka nonyaka ukuba imali yethu ekwi-akhawunti yebhanki ayizisi nto okanye incinci kakhulu.

Ngezinga lokunyuka kwamaxabiso e-5% njengangoku, i-€ 100 ebekwe ngaphandle kwesivuno kwi-akhawunti iya kulingana ne-95 ye-euro kuphela ekuthengeni amandla kunyaka olandelayo. Ixabiso lokwenyani logcino lwethu olufumanekayo ngoko ke liyatshabalala.

Kungenxa yesi sizathu ukuba kubalulekile ukuba khulisa ukonga kwakho ngotyalo-mali olunikezela ubuncinci imbuyekezo elingana nenqanaba lokunyuka kwamaxabiso. Ngaphandle koko, siba yintlupheko kancinane ngonyaka ngamnye nangona sakha imbiza yee-euro zangoku kwiiakhawunti zethu. Indida yokwenyani ekufuneka ithotywe ngokukhawuleza!

Ukunyuka kwamaxabiso kusebenza njengesifunxi-gazi esondla kwixabiso lemali esiyongile. Yiyo loo nto kukho izisombululo zokunqanda esi sibetho, esiya kuthi sichaze kwinyathelo lesibini.

✔️ Indawo yokuthengisa izindlu, indawo ekhuselekileyo eqinisekisiweyo

Kuya kufuneka ufunde ukwenza ukulawula ipropati yezindlu. Ujongene nosoyikiso lokunyuka kwamaxabiso, ipropati erentwayo yindawo ekhuselekileyo eqinisekisiweyo yokukhusela amandla okuthenga. Ngokwenene, olu tyalo-mali lunika iingenelo ezininzi ezibalulekileyo kwimeko yangoku.

Okokuqala, iirenti zichazwe ngokwendalo kwixabiso lentengo. Nyaka ngamnye, zivavanywa ngokutsha ngokusekelwe kwiSalathiso seRente esilandelela ukunyuka kwamaxabiso abathengi. Umvuzo wakho wokurenta ngoko ngokwendalo unyuka ngesantya esifanayo nokunyuka kwamaxabiso, ukukhusela amandla akho okuthenga.

Ngaphaya koko, imakethi yezindlu nomhlaba ikwintsilelo. Imfuno iphezulu kakhulu kunokubonelela, ngakumbi kwiimarike ezithile ezixineneyo ezifana nezixeko ezinkulu. Ipropati yakho iya kuthengiswa ngokulula kwaye iqeshwe kwakhona, ibonelele ngokhuseleko lwexesha elide.

Okokugqibela, imilinganiselo yemali mboleko yezindlu nezindlu isahlala iphakathi kwaye yenza umphumo onomdla wokwakha ii-asethi. Ukutshona ematyaleni okunengqiqo kuhlala kulicebo eliphumelelayo kumaxesha okunyuka kwamaxabiso.

✔️ Igolide, ukhuseleko olusebenzayo kwiingxaki

Igolide kudala ithathwa njengendawo yokusabela yemali kunye nokhuseleko olusebenzayo kwiingxaki zoqoqosho, ngakumbi ukunyuka kwamaxabiso. Ngexesha lokunyuka kwamaxabiso, ixabiso leemali lithanda ukuhla, nto leyo enokutshabalalisa amandla okuthenga abatyali-mali. Nangona kunjalo, igolide ngokubanzi igcina ixabiso layo langaphakathi ekuhambeni kwexesha, iyenza ibe yi-asethi enomtsalane yokukhusela ubutyebi.

Esona sizathu siphambili esibangela ukuba igolide ikwazi ukumelana nokunyuka kwamaxabiso nexabiso lentengo yinto ebambekayo nelinganiselweyo. Ngokungafaniyo neemali ze-fiat, ezinokuprintwa ngobuninzi obungenamkhawulo ngabasemagunyeni bezemali, igolide yintsimbi enqabileyo engenakuphinda iphinde yenziwe ngobuninzi. Ukunqongophala kwayo kunye nemfuno eqhubekayo iyenza i-asethi ebonakalayo egcina ixabiso layo ngemijikelezo yezoqoqosho.

Ukongeza, igolide isoloko ibonwa njengohlobo lwemali yehlabathi, okuthetha ukuba igcina ixabiso layo kwihlabathi liphela. Abatyali-mali basoloko befuna ukwaba inxalenye yepotfoliyo yabo kwigolide njengeqhinga lolwahlulo, ukubonelela ngokhuseleko olunokubakho ekunyukeni kwamaxabiso kunye nokuguquguquka kweemarike zemali. Ngamaxesha okungaqiniseki kwezoqoqosho, igolide idla ngokusebenza njengendawo ekhuselekileyo, itsala abatyali-mali abafuna ukugcina ubutyebi babo.

✔️ Hlala utyalomali ixesha elide

Kwimeko yokunyuka kwamaxabiso, impazamo iya kuba kukunkwantya nokuthengisa zonke izinto oziphetheyo. Ngokuchaseneyo noko, kuyacetyiswa ukuba uhlale utyaliwe kwixesha elide ukuze uthathe ithuba lokubuyela kwimeko yentengiso.

Owona mgibe kukushiya utyalo-mali lwakho ngexesha elibi kakhulu, phantsi kweempembelelo zeemvakalelo. Gcina izinto zakho zexabiso, imeko iya kuzinza ekugqibeleni. Ngezi zisombululo zihlengahlengisiweyo, uya kukwazi ukutyhubela eli xesha leziphithiphithi ngokuzolileyo. Ubutyebi bakho buya kuphuma buhlanganisiwe.

🥀 Khusela izinto zam xa uqhawula umtshato

Kwenzeka ntoni ilifa lam xa kuqhawulwe umtshato ? Uqhawulo-mtshato luhlala lukhathaza ngokweemvakalelo. Kodwa inokuba nezinto ezintsonkothileyo kunye neziphumo zemali ngokuxhomekeke kulawulo lomtshato.

Ke uya kuxhotyiswa ngcono ukuze ukwazi ukujongana ngokuzolileyo nolu bunzima nalo bubuthathaka kumgangatho wezinto eziphathekayo.

✔️Ulwahlulo lwezindlu nezindlu emva koqhawulo-mtshato

Kwimeko yoqhawulo-mtshato, umbuzo wokuqala udla ngokuchaphazela ikamva lekhaya lentsapho kunye nezinye izindlu eziqhelekileyo. Enyanisweni, yonke into ixhomekeke kulawulo lomtshato olukhethiweyo ngexesha lomtshato.

Kulawulo loluntu, ipropati ethengiweyo ngexesha lomtshato ithathwa ngokusemthethweni njengempahla eqhelekileyo yesi sibini, isiqingatha somlingane ngamnye.

Ngoko kwimeko yoqhawulo-mtshato phantsi kolu lawulo, i-real estate efunyenwe ngokudibeneyo ngexesha lomanyano yahlulwe ngezabelo ezilinganayo ngokungqongqo. Ngamnye owayesakuba ngumlingane ufumana ama-50% ixabiso lepropati (ii) ezichaphazelekayo.

Ngokuchasene noko, ekwahluleni ulawulo lwepropathi, akukho kwahlulo lwenzeka kwimeko yoqhawulo-mtshato. Iqabane ngalinye lihlala linguye yedwa umnini wezindlu ezifunyenwe ngaphambi nangexesha lomtshato.

Ke, ukuba ikhaya lentsapho lathengwa ngomnye wabatshati ngaphambi komtshato, le mpahla ibuyela kuye ngokupheleleyo xa kuqhawulwe umtshato. Akukho mahluko phakathi kwempahla yangaphambi nasemva komanyano.

✔️ Ukwabelana ngolondolozo kunye notyalo-mali lwemali

Ngaphaya kwezindlu nomhlaba, uqhawulo-mtshato lukwaphakamisa umbuzo wokwabelana ngemali eyongiweyo ebekwe kwiiakhawunti zebhanki kwakunye notyalo-mali olwahlukahlukeneyo njengeinshorensi yobomi. Kwaye kwakhona, yonke into ixhomekeke kulawulo lokuqala lomtshato.

Kwimeko yobudlelane bepropathi, iimali ezifakwe kwiiakhawunti ezidityanelweyo kunye neekhontrakthi ze-inshorensi yobomi ezithatyathwe egameni lamalungu amabini esi sibini. ithathwa njengelifa eliqhelekileyo.

Ngaloo ndlela, kwimeko yoqhawulo-mtshato, iibhalansi zeeakhawunti zebhanki ezidityanisiweyo zabelwa ngokweenxalenye ezilinganayo ngokungqongqo, kungakhathaliseki ukuba liliphi iqabane eneneni elinegalelo kwezi akhawunti. Wonke umntu ufumana i-50% yemali ekhoyo.

Phantsi kolawulo lokwahlulwa kwepropathi, indawo yokwabelana malunga nokonga kunye notyalo-mali: iqabane ngalinye lihlala linguye yedwa umnini-akhawunti webhanki kunye nezivumelwano abanazo, nokuba zasekwa ngaphambi okanye ngexesha lomtshato.

Wonke umntu ke ngoko ugcina lonke ugcino lwakhe, iibhalansi zeeakhawunti zabo, iikontraki zabo zeinshurensi yobomi, iPEA yabo, utyalo-mali lwayo lwemarike yemasheya... Il akukho mahluko phakathi kwee-asethi ngaphambi nasemva komtshato.

✔️ Umbuzo onzima wokwabelana ngepenshini emva koqhawulo-mtshato

Uqhawulo-mtshato lukwanazo neziphumo ezibi kwipenshini nakwimali yomhlalaphantsi yabo bebesakuba ngamaqabane omtshato. Imithetho intsonkothile kakhulu, kodwa kubalulekile ukuba uyazi kakuhle ukukhusela umdla wakho.

Phantsi kweemeko ezithile, iqabane langaphambili lisenokuba nelungelo lokufumana inxalenye yepenshini yomhlalaphantsi yeqabane lakhe langaphambili ukuba ukwimeko enkenenkene yemali. Akucwangciswanga : Iikhrayitheriya ezininzi kufuneka zifezekiswe kwaye zicelwe ngokucacileyo.

Ukuze ukwazi ukufumana inxalenye yepenshini yowayesakuba liqabane lakho, kufuneka uhlangabezane nazo zonke ezi meko zilandelayo:

• Nditshate for at ngaphantsi kweminyaka emi-2 ngaphambi koqhawulo-mtshato;
• Ukungaphinde utshate emva koqhawulo-mtshato;
• Yiba ubuncinane Ubuncinci beminyaka engama-62 okanye engama-60 ubudala kwimeko yokungakwazi ukusebenza;
• Lungiselela izixhobo zobuqu ngaphantsi kwesilingi ibekwe kwi-21 € ngonyaka. Le siling iyandiswa kwimeko yabantwana abaxhomekeke kubo.

Ukuba yonke le miqathango ifezekisiwe, ungenza isicelo sesabelo sexhoba ngexesha lobomi bowayesakuba liqabane lakho. Emva kokufa kwakhe, uya kuba nako ukwenza ibango lepenshoni yalowo usindayo kubahlolo nabahlolokazi.

✔️ Indima ebalulekileyo yenzuzo yembuyekezo

Ngexesha loqhawulo-mtshato, abagwebi banokugqiba ekubeni banike isibonelelo sembuyekezo komnye wamaqabane angaphambili, ukubuyisela ukungalingani okugqithisileyo kwiimeko zokuhlala emva kokuqhawula umtshato.

Le mbuyekezo inikezelwa yijaji kwiqabane elithathwa njengelona libuthathaka ngokwezimali emva koqhawulo-mtshato, ukuphepha ukungakhuseleki okugqithisileyo. Imiqathango yokufunyanwa yile:

• Uqhawulo-mtshato oluvakaliswe ngokwasemthethweni (ngoko ke lungaquki uqhawulo-mtshato ngemvumelwano);
• Umahluko obonakalayo kumgangatho wokuphila emva koqhawulo-mtshato;
• Amandla okunikela kwelinye iqabane lokuwuxhasa ngemali.

Ayingomrhumo ozenzekelayo: kufuneka ibango elicacileyo lifakwe kwijaji yenkundla yosapho.

✔️ I-Alimony yabantwana besi sibini

Ukongezelela kwisibonelelo sembuyekezo, uqhawulo-mtshato lukwabandakanya ukuhlawulwa kwesondlo somntwana ukuze kulungiselelwe iimfuno zabantwana, kungakhathaliseki ukuba luluphi na ulawulo lomtshato.

Le mbopheleleko iqhubeka logama umntwana esemncinane ayizimele ngokupheleleyo. Isixa-mali sisetwa ngokwemithombo yomzali ngamnye kunye neemfuno zomntwana. Kunokwenzeka ukubonelela ngentlawulo ngqo phakathi kwabazali okanye inkxaso ye-CAF, ngakumbi ukuba umboleki akahlawuli.

Iindleko ezikhethekileyo (iindleko zonyango, izifundo...) zabelwe ngokomlinganiselo womvuzo womzali ngamnye. Apha kwakhona, xa kukho imeko yongquzulwano, ijaji iya kuthatha isigqibo ngokusekelwe kwiminqweno yomntwana kunye nomgangatho wangaphambili wokuphila wekhaya.

✔️ Yongeza irhafu yobutyebi bakho emva koqhawulo-mtshato

Uqhawulo-mtshato ngamanye amaxesha lukhokelela ekutshintshelweni kwempahla ukusuka kwelinye iqabane ukuya kwelinye njengenxalenye yolwahlulo. Ngokwembono yerhafu, kuyenzeka ukuba uphucule olu dluliselo. Ukuba umhlaba odityanisiweyo ugqithiselwa njengenxalenye yoqhawulo-mtshato, iqabane ngalinye liya kuxhamla ekutsalweni kwerhafu ngexesha lobunini besabelo salo.

Inzuzo engafanelekanga ukuba ingahoywa xa kuthengiswe ngokutsha ipropati emva koqhawulo-mtshato, ngakumbi ukuba yayo ixabiso linyuke kakhulu.

Ukuba uqhawulo-mtshato lubandakanya ukuthengwa kwakhona kwezibambiso zemali ezibanjwe ngokudibeneyo, kunokwenzeka ukusasaza inzuzo yakho yenkunzi erhafiswayo kwiminyaka emininzi. Ngokwenyani, inzuzo eyinkunzi efunyenwe ngexesha lokudluliselwa kwezibambiso kumntu owayesakuba ngumlingane iye yamiswa ngeenjongo zerhafu. Iyakurhafiswa kuphela kunyaka apho imali irhoxisiwe.

Olu buchule lwenza ukuba kube lula ukunciphisa inani lokuba ingxelo minyaka le. Kufuneka kufundwe kwimeko nganye ngokuxhomekeke kwiimali ezibandakanyekayo.

✔️ Yongeza ibhajethi yakho emva koqhawulo-mtshato

Emva kokuba uqhawulo-mtshato lugqityiwe kwaye impahla yahluliwe, kubalulekile ukuhlengahlengisa uhlahlo lwabiwo-mali lwakho lobuqu ukugcina umgangatho wakho wokuphila. Emva kweminyaka sihlala kunye, uqhawulo-mtshato ngokuzenzekelayo luthetha ukuhla komvuzo. Kuya kufuneka uhlengahlengise indlela ophila ngayo ukuze ungamangaliswa:

• Ukunciphisa iindleko ezithile ezithintelweyo (indlu, imoto, imirhumo, njl.)
• Fumana ingeniso eyongezelelweyo ukuba kunokwenzeka
• Ngena kwimali oyongileyo ngendlela elinganiselweyo

Ukuqikelela izinto eziphambili zenkcitho eziza kuhlaziywa. Kwaye fumana uncedo kumcebisi wezezimali ukuba kuyimfuneko. Ukuba uqhawulo-mtshato lukunike inkunzi kwintengiso yepropati edibeneyo, yityale ngobulumko. Thanda utyalo-mali olulumkileyo, olufumaneka nanini na ukongeza umvuzo wakho.

🥀 Iimpazamo zolawulo lwe-asethi ekufuneka uziphephe

Ukuphucula ulawulo lobutyebi bomntu ngumntu umthambo onzima. Phakathi kotyalo-mali oluninzi olunokwenzeka, ukuguquka kweemarike kunye nerhafu enzima, akusoloko kulula ukwenza ukhetho olufanelekileyo. Nangona kunjalo, ezinye iimpazamo zolawulo lobutyebi ziza rhoqo kwaye zichaphazela ukusebenza okanye zonyusa umngcipheko wepotfoliyo yakho.

✔️ Ukugxila kakhulu kwimbuyekezo yexesha elifutshane

Xa umntu enomdla kutyalo-mali, imbuyekezo ebonisiweyo ngokuqinisekileyo ngumgaqo obalulekileyo. Nangona kunjalo, impazamo eqhelekileyo kukugxila kuphela ekusebenzeni kwangoko okanye kwiminyaka eyi-1-2.

Nangona kunjalo, ukukhulisa i-asethi yakho kwixesha elide, kungcono kakhulu ukugxila kwi ingeniso kwi-5, i-10 okanye i-20 iminyaka. Utyalo-mali olunembuyekezo encomekayo yokuqala nalo lusoloko lunomngcipheko kwixesha elide. Zibabeka emngciphekweni omkhulu welahleko yemali xa kukho ukuhla kweemarike.

Ngoko ke kuyimfuneko ukwamkela umbono wexesha elide kunye nokuthanda ii-asethi ezizinzileyo, nokuba inzuzo yabo yokuqala iphantsi. Into ephambili kukujolisa ibhalansi engcono kakhulu phakathi kokubuya kunye nomngcipheko ekuhambeni kwexesha.

✔️ Jonga kuphela isivuno esipheleleyo ngaphandle kokuthathela ingqalelo imirhumo

Isivuno okanye umsebenzi wonyaka obekwe phambili kunxibelelwano uchaza isivuno esipheleleyo, phambi kweentlawulo naphambi kweerhafu.

Nangona kunjalo, ukuqikelela ngokuchanekileyo inzuzo yokwenyani yotyalo-mali, kubalulekile ukuqwalasela imbuyekezo eshiyekileyo, emva kokutsalwa kwazo zonke iindleko ezinxulumene nolu tyalo-mali. Ezi ntlawulo zinga isityalo ukusuka kwi-1 ukuya kwi-4% imbuyekezo ngonyaka ngamnye kuxhomekeke kutyalo-mali.

Oku kubandakanya imirhumo yolawulo yonyaka yengxowa-mali yotyalo-mali, imirhumo yokungena okanye ye-arbitrage ye-inshorensi yobomi, imirhumo yokuthengiselana ipropati yerenti...

Ezi ndleko ziphindaphindiweyo zidla inxalenye ebalulekileyo yokusebenza. Ngoko ke kunyanzelekile ukuba uzithathele ingqalelo kucazululo lwakho lothelekiso lotyalo-mali olwahlukeneyo oluqwalaselwayo.

✔️ Ukubeka onke amaqanda akho kwingobozi enye ngenxa yokungabikho kweyantlukwano

Lo ngumgaqo osisiseko kulawulo lobutyebi: ukwahluka kotyalo-mali sisiseko sokwandisa imbuyekezo/isibini esisemngciphekweni. Ngokujolisa lonke utyalo-mali lwakho kwiklasi enye ye-asethi (izabelo, iibhondi, izindlu, njl.njl.), uzibeka esichengeni somngcipheko owongezelelekileyo kwimeko yokusebenza kakubi kwale marike.

Ngokwahlukileyo, ngokunonophela ukusasaza iimpahla zakho kakuhle kwiintlobo ezahlukeneyo zotyalo-mali ezinonxibelelwano oluncinci phakathi kwazo, umngcipheko jikelele uncitshiswe kakhulu.

Ke, ukubamba izabelo, iimali zezindlu nezindlu, i-inshurensi yobomi edityaniswe neyunithi, iimveliso zenzala, kunye nemali eziinkozo zibalulekile ekwahlukaneni kwemingcipheko kunye nembuyekezo.

✔️ Ungahoyi iindleko eziphindaphindiweyo ezichaphazela ingeniso

Njengoko kukhankanyiwe ngasentla, iindleko ezenziwe lutyalo-mali (imirhumo yolawulo, imali yokungena, imali yolamlo, imali yentengiselwano...) ukunciphisa imbuyekezo yabo yomnatha kwi-saver ngesixa esifanayo.

Nangona kunjalo, ezi ndleko zihlala zingahoywa okanye zijongelwa phantsi ngabantu xa besenza izigqibo zotyalo-mali. Bagxininisa kwimbuyekezo enkulu okanye kwintsebenzo yangaphambili, efihla le mpembelelo yentlawulo.

Nangona kunjalo, kwixesha elide, ezi ndleko ziphindaphindiweyo zinokunciphisa kakhulu inzuzo yotyalo-mali. Ngoko ke kubalulekile ukudibanisa ngokupheleleyo lo mlinganiso kucazululo lokuthelekisa imbuyekezo/isibini somngcipheko. Ukwandisa ilifa layo, jonga ngeliso elibukhali kwiindleko ibaluleke njengokwenziwa komsebenzi.

Ke, ii-ETF zexabiso eliphantsi ziya kuba nengeniso eninzi kakhulu kunexabiso eliphezulu leequity fund, nokuba umsebenzi wazo uphelele. ziyafana phambi kweendleko.

✔️ Ukubeka ukubaluleka kakhulu ekusebenzeni kwangaphambili

"Ukusebenza kwangaphambili akuqinisekisi ukusebenza kwexesha elizayo“. Eli binzana lesithethe kumaxwebhu oshishino liqulethe inyaniso enkulu.

Kulawulo lobutyebi, kuyahenda ukubeka phambili utyalo-mali olubonisa eyona mbuyekezo ilungileyo wachitha ngaphezu kweminyaka emi-5 okanye eli-10. Abo baye baqhuba kakuhle kwixa elidluleyo babonakala ngabona basenokuqhubeka nomfutho wabo.

Nangona kunjalo, iimarike zezimali zihlala ziguquka kwaye iimeko eziguqukayo zenza naluphi na uqikelelo oluyingozi. Ngubani owayeza kuba nayo waqikelelwa kwiminyaka eyi-10 eyadlulayo ukuwa iibhondi okanye i-real estate boom?

Kunokuba uthembele kuphela kwirekhodi ekhohlisayo, kungcono ukufunda iziseko kunye namathemba ekamva otyalo-mali nzulu ngakumbi ngaphambi kokuba uthathe isigqibo sokutyala imali. Ukuqina kwayo kunye nokubanakho kwayo kwixesha elizayo kuthatha indawo yokuqala ngaphezu komsebenzi wayo osele uphunyeziwe.

✔️ Yenza izigqibo eziqhutywa ziimvakalelo

Utyalo-mali lwe-asethi lufuna imbono kunye nengqiqo ukwenza izigqibo ezifanelekileyo. Ngelishwa, iimvakalelo zinokudlala amaqhinga amabi kumntu ngamnye. Kuya kufuneka ke ube ne ubukrelekrele émotionnelle eqinileyo.

Ngokomzekelo, abanye bahendelwa ukuba bathengise lonke utyalo-mali lwabo ngoloyiko ngexesha lokuwa kwemarike yemasheya enobundlobongela. Ngokuchaseneyo, abanye bakhokelelwa kutyalo-mali olugqithisileyo kwii-asethi eziqikelelwayo zikhwela iqamza, ngenxa yokoyika ukuphoswa lithuba.

Ukwenza izigqibo ngokweemvakalelo ebusweni bokungaguquguquki kweemarike kudla ngokukhokelela iimpazamo ezinkulu. Kungcono kakhulu ukugcina ukuzola kunye nokuqonda kuzo zonke iimeko.

✔️ Ukurhweba kakhulu ngaphandle kwesicwangciso sexesha elide

Abanye abantu abakhotyokiswe ziimarike bagqibela ngokuphindaphinda umva naphambili phakathi kotyalo-mali ngendlela engekho ngqiqweni kunye neemvakalelo.

Nangona kunjalo, oku kungazinzi kubangela iindleko eziphezulu zentengiselwano ezichaphazela kakhulu imbuyekezo. Ngaphezu koko, oku "urhwebo” isinyanzelo siyenziwa ixesha elininzi ngaphandle kobuchule bexesha elide lobutyebi.

Ngokuchasene noko, ulwabiwo lwe-asethi lulungile xa luchazwa ngokufanelekileyo ngokweenjongo zalo, emva koko luhlengahlengiswe ngokuthe ngcembe ngokotshintsho kwiimarike nakwimeko yazo.

✔️ Ayithatheli ngqalelo impembelelo yokunyuka kwamaxabiso

Ukunyuka kwamaxabiso, nokuba kuphakathi, kuyatya minyaka le encinci yexabiso le-asethi yakho ongayityalwanga. Kwixesha elide, impembelelo yayo ikude kakhulu.

Masithathe umzekelo : kunye kuphela 2% yokunyuka kwamaxabiso ngonyaka, €100 ibekwe kwi-akhawunti yakho yangoku iya kuphulukana 000% yexabiso layo ekuthengeni amandla phezu malunga ne-10 kunye.

Kubalulekile ke ngoko ukuba uhlale ubala ifuthe lokunyuka kwamaxabiso kuxatyiso lotyalo-mali lwakho. Iindidi ezithile zee-asethi zenza kube lula ukukhusela ekunyukeni kwamaxabiso.

✔️ Ukungahoyi unyuso lwerhafu

Nokuba kukho imbuyekezo yesambuku elinganayo, irhafu esetyenziswa kutyalo-mali ezimbini inokwahluka kakhulu kwaye ibe nefuthe kwimbuyekezo yesambuku efunyenweyo.

Yazi indlela yokwandisa ukurhafiswa kwempahla yakho ngokusebenzisa iimvulophu ezizinikeleyo (IPEA, i-inshurensi yobomi...) ngoko ke kubalulekile. Oku kunokukufumana amanqaku amaninzi embuyekezo ngonyaka ngamnye ngeerhafu kunye igalelo lezentlalo elincitshisiweyo.

Indlela yobutyebi ethathela ingqalelo ubunzulu berhafu iba yimfuneko ngaphaya kwesixa esithile se-asethi. Iingcebiso zobungcali zihlala ziyimfuneko.