- Inzalo isebenza njengethuluzi elikabili: imbuyiselo yomlondolozi kanye nezindleko zezimali zomboleki.
- Kunezinhlobo eziyisisekelo njengenzalo elula kanye nenzalo ehlanganisiwe, ezihlukile endleleni inzuzo etholakala ngayo emalini.
- Imithethonqubo yezomthetho kanye nemikhawulo ephezulu ebekwa yizinhlangano ezisemthethweni ivikela abasebenzisi ekusetshenzisweni kabi kwemali mboleko.
- Izinguquko emazingeni enzalo zithinta ngqo amandla okuthenga kanye nezinqumo zokusebenzisa imindeni.
Uma sikhuluma ngezezimali, kuvamile kakhulu ukuhlangana nodonga lwamagama asetshenziswayo obuchwepheshe. Cishe uke wezwa igama elithi " inzalo" izikhathi eziyinkulungwane ezindabeni noma uma uvakashela ibhange, kodwa ngezinye izikhathi kubonakala sengathi bakhuluma isiShayina. Empeleni, kumane kuyintengo yemali; okungukuthi, ukuthi kubiza malini ukuboleka noma ukuthi uthola malini ngokuboleka imali yakho esikhungweni sezezimali.
Ukuqonda ukuthi la mazinga enzalo asebenza kanjani kubalulekile ukuze ugweme ukuqolwa ngemali mboleko futhi usebenzise kahle imali oyilondolozile. Kusukela emalini yakho yokuboleka indlu kuya emalini encane yokuboleka imoto, umthelela esabelomali somndeni wakho mkhulu futhi ungashintsha ngokuphelele amandla akho okusebenzisa imali kuye ngokuthi amazinga enzalo ayakhuphuka noma ayawa.
Izinhlangothi ezimbili zenzalo: Ukonga kanye Nezikweletu
Ukuze ukuqonde kahle, kufanele ubone inzalo njengohlamvu lwemali olunezinhlangothi ezimbili. Ngakolunye uhlangothi, sinombono womtshali-zimali noma womgcini-mali. Lapha, inzalo yinkomba elinganisa inzuzo . Uma unquma ukushiya imali yakho ku- akhawunti yokonga noma esikhungweni sezezimali , ibhange likukhokhela inani lokuba nalezo zimali ezitholakalayo, okwenza imali yakho ikhule ngokuhamba kwesikhathi.
Ngaphakathi kwezwe lokonga, kunezindlela ezimbili eziyinhloko zokubala imbuyiselo. Okokuqala, kukhona inzalo elula , ebalwa kuphela enanini lokuqala elitshaliwe, ngaphandle kwenzalo eyengeziwe ekhiqizwayo. Bese kuba khona inzalo ehlanganisiwe , lapho kwenzeka khona umlingo wangempela wezezimali, njengoba inzalo ingezwa ku-principal yokuqala, futhi inzalo entsha ibalwa kuleyo mali enkulu.
Kodwa-ke, olunye uhlangothi lwemali yizindleko zesikweletu. Uma kunguwe oboleka imali, izinga lenzalo liba yintengo oyikhokhela insizakalo yokuthola imali yomunye umuntu. Empeleni, yizindleko zesikweletu. Uma uboleka, isibonelo, ama-euro ayi-100 ngenzalo engu-5%, ekugcineni kuzodingeka ukhokhe ama-euro ayi-105; lawo ma-euro ayi-5 engeziwe yizindleko zemali mboleko.
Uhlaka lwezomthetho kanye nesithakazelo kwezomthetho
Akuyona yonke into eyimakethe ekhululekile; kunemithetho evimbela izinto ukuthi zingalawuleki. Kukhona lokho esikubiza ngokuthi inzalo esemthethweni , esebenza njengenetha lokuphepha. Isetshenziswa kakhulu njengesinxephezelo somonakalo lapho othile ehluleka ukukhokha isikweletu futhi izinga lenzalo elithile lingavunyelwananga ngaso enkontilekeni. ESpain, leli zinga libekwe minyaka yonke yi- General State Budget Law kusukela ngasekupheleni kwawo-80.
Kwezinye izimo, njengasemithethweni yaseChile, kunemikhawulo eqinile. Lapho, kusungulwa izinga lenzalo elivamile eliphakeme , umkhawulo wokuthi izimali mboleko azikwazi ukudlula. Lo mkhawulo ubuyekezwa njalo ngenyanga yiKhomishini Yemakethe Yezezimali, futhi noma ubani ophula le mithetho ubhekene nezijeziso zomthetho ezibalulekile.
Umthelela emnothweni nasempilweni yansuku zonke
Lokho amabhange amakhulu anqumayo akuhlali ngemuva kweminyango evaliwe; kuthinta ngqo isikhwama sakho semali. Lapho amazinga enzalo enyuka, izinkokhelo zenyanga zendlu kanye namakhadi esikweletu zivame ukwanda, okushiya imindeni ingenayo imali eningi yokusebenzisa kwezinye izinto futhi kunciphisa amandla ayo okuthenga. Lokhu kuyingxenye yokuhlaziywa okubanzi kwezomnotho jikelele kokwehla kwamandla emali kanye nokusetshenziswa kwemali kwabathengi.
Ngakolunye uhlangothi, uma amazinga enzalo ephansi, isimo siba nethemba elikhulu ngokusetshenziswa kwemali ngabathengi. Abantu bazizwa beshukumiseleka kakhulu ukuthatha imali mboleko yokuthenga izinto ezinkulu , njengokuthuthukisa imoto yabo noma ukuthenga indlu, njengoba izindleko zezimali zingabizi kakhulu futhi zingenzima kangako.
- Kubalulekile ukuya njalo ku- izikhungo zezimali ezigunyaziwe kanye nezisemthethweni ukuze kugwenywe izingozi zohlelo olungakahleleki.
- Ababolekisi abangakahleleki bavame ukukhokhisa amanani aphezulu kakhulu kunamabhange, okubeka izimali zakho engcupheni. impilo yezezimali yemindeni.
- Kubalulekile ukufunda izinkontileka ngokucophelela, njengoba izinhlangano zikhululekile ukunquma inani, kodwa kumele hlonipha ngokuphelele lokho okusayiniwe.
Kubalulekile ukukhumbula ukuthi zonke izimali ezitshaliwe zinezingozi nokuthi ukuhlukahluka akusona isiqinisekiso sokulahlekelwa. Ngakho-ke, ngaphambi kokwenza izinqumo ngokusekelwe emazingeni enzalo, kungcono ukubonisana nochwepheshe abangochwepheshe bezentela, ezokubalwa kwezimali, noma izeluleko zomthetho ukuze ugweme ukuphambuka.
Ukucaca ngendlela imali ehamba ngayo nokuthi amazinga enzalo ayithinta kanjani kuvumela izinqumo ezihlakaniphile, ukugwema ukuboleka ngokweqile kanye nokusebenzisa amathuba okukhula kwemali ngokulondoloza amasu nokukhetha imikhiqizo yezezimali esobala nelawulwayo.
