Engenayo Okuzisholo - Iyini? Izinga ngokulinganisa of ukubuya

engenayo Okuzisholo - kubalulekile sokubalwa esisetshenziselwa imigomo luyingxenye zezimali, ngenkathi ngeke ibhaliswe: ezingeni amanani wenzuzo amandla okuthenga lemali.

Izindlela sokunquma ukungalingani zezimali

Abantu khona ngaphakathi umphakathi, kufanele amazinga ehlukene engenayo, ngakho-ke, anesikhundla ahlukile. engenayo Okuzisholo - lokhu kuyinto inani eliphelele lezimali.

Ukuze sithole kahle ukuthi imali eyiphinda anikezwa, sebenzisa eyodwa yezindlela ezilandelayo:

• amasu Statistical ukunquma ukubaluleka isilinganiso.
• Ukwakheka amaqembu, kuye ngobukhulu besikhumba saleso engenayo kanye ukuqhathanisa amanani kusho lezi zimo.
• Lorenz ijika, ukwakhiwa okuvumela ukucacisa ubukhulu bale nekungalingani emmangweni ngokusebenzisa ezuziwe (kuyanyuka) nomphumela.

engenayo Okuzisholo futhi yangempela

engenayo Okuzisholo - kuba yonke imali izimali umuntu lithole phakathi nenkathi ethile yesikhathi.

Umqondo imali yangempela ihilela Ubala izimpahla kanye namasevisi, okwagcina ayenamandla okukwenza umthengi. Akukhona inani eliphelele, futhi ushintsho ngesikhathi okuzisholo (real) amazinga okuphila ngokusebenzisa intengo Inkomba. Yingakho base esibekiwe eqala ngengozi zalezi zinhlobo engenayo, bese wenza ukubala izinguquko intengo phezu kwesikhathi, futhi umphumela waba umehluko phakathi engenayo okuzisholo futhi ngempela esikhathini samanje.

Ingqikithi imali okuzisholo

Ngokuvamile, imali okuzisholo - inani iholo ukuthi umuntu lithole noma wathola phakathi nesikhathi sokuphila kwawo. Kungaphinde kufake zonke izinhlobo izinto ezibonakalayo kanye namasevisi uthenge noma ezikhiqizwa phakathi nenkathi yesikhathi efanayo.

Ukubaluleka enzuzweni kungenziwa kulinganiselwa njengoba umsebenzi umsebenzi futhi ezingeni ukusetshenziswa. engenayo Real yinani:

• we imali abayithole ngokuthengisa ibhizinisi;
• kwabasebenzi;
• ka scholarship izinkokhelo;
• izinzuzo zomphakathi;
• impesheni;
• ka izinzuzo etholakele kwamatayitela;
• yezinye engenile, ezifana kusukela ukudayiswa ingcebo noma umhlaba.

Kususelwa izinga lenzuzo, singaxoxa yini inhlalakahle zonke izakhamuzi futhi wabahlulela ngezinga elingakanani kungaba ukuhlangabezana uhla eligcwele izidingo zabo ezingokomoya nezingokwenyama. On the Inani engenayo bathonywe izinto ezifana: inkokhelo, imali izibopho, lizinga amanani emakethe futhi ukubaluleka nokuligcwalisile.

ku imithombo

engenayo Okuzisholo wakhula? Noma kungenzeka, ikakhulukazi uma kukhona ukuguquguquka umthombo. Ngokwesibonelo, kukhuphuke inkokhelo, inzuzo kusukela eliyifa izibambiso noma lemali yokukhokha amafa yaqashiswa. Kodwa kwakhiwa imali ikakhulukazi okuzisholo is ngenxa izinkokhelo uhulumeni. Lezi zimali zisetshenziselwa ukumboza izidingo zenhlalo: yokufunda, lezempilo nezinzuzo eziningi ezihlukahlukene.

engenayo Okuzisholo luyisisusa omkhulu sokuthuthukisa umphakathi. Ngokwesibonelo, amaholo ehloniphekile kunomphumela omuhle ukukhuthala, umthwalo nesiyalo ukusebenza. Uma wombuso aid ngokungenangqondo ophezulu, kungaholela nomphumela ohlukile - abantu uzoshesha baphelelwe isithakazelo imisebenzi yabo.

Credit futhi uhlelo yemali

Njengengxenye ubudlelwane yemali ukuthola iholo okuzisholo sabantu zihlukaniswe ngale ndlela:

• inkokhelo, esebenza njengoba isisekelo yiluphi uhlelo uhulumeni;
• inzuzo kusukela ekukhuleni kwamatayitela;
• imali ebolekiswayo ebhange okudingekayo ukuze kwakhiwe indlu;
• Loan Party, aphethwe emphakathini umthengi;
• ambikele ilotho;
• izinhlawulo abahlukahlukene noma umsebenzi;
• khona izimali etholakalayo okwesikhashana, kwakheka ngenxa yokufuna izimpahla ngesikweletu;
• Okunye imali etholakale ngokudayiswa kwempahla siqu ngezinhlamvu ezihlelwa ngesandla.

Ngaphezu kwalokho, e-imali okuzisholo kuhlanganisa ezifana yokukhokha saziso intela. Okungukuthi, kulezi izinkokhelo iwumthombo kumiswa izisetshenziswa ezingeziwe kanye nokwabiwa dolobha.

Izinto imali

Income sabantu - lena imali futhi imithombo hlobo wathola isikhathi esithile. Eyokuqala ihlanganisa imali wezimali: engenayo usomabhizinisi, umsebenzi namaholo, izinzuzo, impesheni, imifundaze, isithakazelo, izinzuzo, qasha, futhi leyo mali ukudayiswa izibambiso, ingcebo noma imikhiqizo yezolimo, njll inhlolovo isabelomali Umkhaya olwenziwa izibalo isimo musa acabangele umnikelo yokwanda ibhange imali.

Income e uhlobo - kukhona imikhiqizo ezindaweni ezifana yekhaya, efana nezolimo, nemfuyo kanye nezinkukhu ukulima. Ngaphezu kwalokho, lapha kungafaka noma yimaphi ama imikhiqizo, izinsizakalo, noma ezinye izinto ezibonisa umusa (PC., Kg ngehora) etholwe infield noma engadini iziza, ipulazi ngabanye. Lesi sigaba sihlanganisa izipho samozagotovki bemvelo, zenzelwe ukusetshenziswa siqu (ifomu-non-lezimpahla).

izinga lokwehla kwamandla emali

Ngenhla zambozwa ngokuningiliziwe welithi "imali yangempela bokuzisholo." Izinga lokwehla kwamandla emali kungaba ngokuphawulekayo lungisa izinga inzuzo, ngoba, uma sikubeka kalula, imali okungenanzuzo. Lokhu kwenzeka ngenxa ukukhula ngokumelene isizinda Iholo elingakanani yangaphambilini ye amanani. Izinga lokwehla kwamandla emali - akuyona gxuma encane amanani, futhi isimo ziningi futhi zaba nzima, kulawulwa isimo ngokusebenzisa amathuluzi ehlukene kwezomnotho.

Umphumela ezimbi kakhulu kwamandla emali - silingana ukuhanjiswa imali nengcebo. Kulesi simo, ukwehla kwamandla wokuthenga imali ngenxa umonakalo wonke umphakathi.

Ukwehla imali yangempela kunjalo uma ukukhula imali okuzisholo ngezansi izinga lokwehla kwamandla emali. Ngenxa yalokho, noma ubani angaba ahlupheke: umuntu ethola iholo fixed (abasebenzi isimo, osethathe umhlalaphansi), umnikazi idiphozi ukonga, kanye yomuntu obolekisayo.

Kuyinto sesimweni kunenzuzo:

• usomabhizinisi, intengo imikhiqizo siphelile bukhula ngokushesha kuka izinto ezidingekayo ekukhiqizeni yayo;
• okweletayo;
• State, ukukhokhela izibopho zabo imali ezishibhile.

Ngakho, amandla emali "intela" kwakufanele 'akhokhe "abamukeli amanani fixed, futhi" nemixhaso "uzothola labo imali imali eyiphinda avuke ngokushesha kunokuba kwamandla emali. Umphumela - engenayo nengcebo kuthiwa isakazwe.

Inqubo sokubalwa imali yangempela

Cishe wonke umuntu uyazi ukuthi ngaphansi inzuzo yangempela siqondwa njengoba engenayo lokususa kwamandla emali. Ekunyuseni amanani senzeka maqondana neminye imikhiqizo, izimpahla kanye nezinsizakalo. Izibalo zibonisa ukuthi kule minyaka engu-15 edlule kuye kwaba khona ukwanda 5-ngeshumi amanani. Lokhu kungachazwa nge isibonelo esilula: imali naso sonke lesi sikhathi isilele ngaphansi kumatilasi, ngaphambi kokuba uthenge amahabhula ama-5, kodwa manje eyodwa kuphela.

Ukuze alondoloze amandla wokuthenga we abantu bavame ukutshala imali yabo ngendlela instrument yezimali - idiphozi, lwemali, ingcebo. Okuningi eziphambili bakhangwa amasheya, amabhondi namatshe ayigugu.

Izinga ngokulinganisa of ukubuya lokususa izinga lokwehla kwamandla emali kukhona isivuno yangempela. Inani layo kungaba okuhle nokubi.

Mayelana ukubaluleka yizibopho isigqebhezana engenayo

Intengo bamanje we isibopho - iyona olulindelekile kwemali maqondana wamanje nkathi. Isakhiwo kwemali siqukethe izingxenye ezimbili: okuzisholo isigqebhezane ubuso ukubaluleka izibopho.

Izindleko incike kwalezi zimo ezilandelayo:

1. Ukucutshungulwa kwemali ngokomongo izinkathi lapho isithakazelo isigqebhezana uzokhokhelwa, okuyinto iyashintshashintsha kuye ngokuthi yini izimo eziye zenzeka phakathi udaba isibopho.
2. emakethe ukubuyiselwa Usayizi uyabucabangela ingozi ehambisana nalolu hlobo utshalomali. Ubukhulu yemikhiqizo kudingeka ingase yehluke kuye ngesistimu kwesikhathi ukusebenza.
3. isibopho ngamunye unesikhathi lesichubekako okuvela edinga yokukhansela yayo.

Bond: Intengo kanye izici ezithinta ke

On ukubaluleka kwesibopho kungenziwa bathonywe izinto ezihlukahlukene, okuyilezi:

• Izinga lenzalo yemali mboleko,
• ukuthandwa futhi lithembekile umkhiphi;
• isikhathi ekuvuthweni;
• ukuzungeza isikhathi.

Yiqiniso, ukubaluleka izibopho kangakanani, kuthonywa kakhulu ukukhwezwa nge izinga ukukhululwa inzalo kwencazelo okuyinto yena, lokhu kuthonywa kwenani eliyimali isibopho kanye isivuno. Uma umtshali wemali uyobe has ukutshalwa izindlela ezezimali, kanye nezinye izimo bayalingana, ukukhetha ziyowa umusa sibuyela eliphakeme. Ngokwesibonelo, uma inani yemikhiqizo isigqebhezana of 12% ngonyaka futhi inguqulo ehlukile investimenti uyakwazi ukuhlinzeka imali efanayo, isibopho kumele lithengiswe ngentengo bokuzisholo.