Izikhangiso
Abatshalizimali abaningi bayazibuza ukuthi kungenzeka yini ukuceba ngokutshalwa kwemali enenzuzo engashintshi. Le ndlela, eyaziwa ngokuphepha nokubikezeleka kwayo, iheha labo abafuna ukuzinza kwezezimali. Kodwa ingaholela yini engcebweni? Ake sihlole lo mbuzo, sicabangele imibono yochwepheshe futhi sihlaziye amathuba akhona kulolu hlobo lokutshalwa kwemali.
Ukutshalwa kwemali enenzuzo engashintshi kunikeza inzuzo ebikezeleka, okwenza kukhange kubatshalizimali abaningi. Nokho, ukuze kufinyelelwe ezingeni elibalulekile lengcebo ngakho, kudingeka kwamukelwe amasu athile. Ochwepheshe uEduardo Alberto Edart, uMarlon Glaciano noRodrigo Simões babelana ngemininingwane ebalulekile yokuthi ungayandisa kanjani inzuzo. Ake singene ezincomweni zabo futhi siqonde okudingekayo ukuze uphumelele kulolu hlobo lokutshalwa kwemali.
Bona Okuningi: Namuhla (15) usuku lokugcina lokudluliselwa kwemali nge-DOC. Qonda
Amasu okuceba ngokutshalwa kwemali enenzuzo engashintshi
Ukuceba ngengcebo ngokutshalwa kwezimali okunenzuzo engaguquki kungenzeka, kodwa kudinga ukuzimisela kanye nohlelo lokutshalwa kwezimali oluhlelwe kahle. Ngokusho kochwepheshe, isinyathelo sokuqala ukuba nendlela eqondile yokutshala imali njalo. Ngaphezu kwalokho, kubalulekile ukuqonda ukuthi izizumbulu zemali zingasheshisa inqubo yokuceba. Ngokwesibonelo,
ukuze uthole imali engenayo yanyanga zonke engu-R$ 5.000 ngenzuzo yangempela engu-0,8% ngenyanga, kungadingeka utshale ekuqaleni cishe u-R$ 625 ayizinkulungwane. Lokhu kubonisa ukuthi, nakuba ukutshalwa kwezimali okunenzuzo engaguquki kungaba yindlela eya engcebweni, kudinga imali enkulu yokuqala noma ukuzibophezela kwesikhathi eside ekutshalweni kwezimali okuvamile.
Ukucatshangelwa okubalulekile kanye nezingozi
Lapho ukutshala imali ekutshaleni kwemali engenayo engaguquki ngenhloso yokuceba, kubalulekile ukucabangela ukutholakala kwemali kanye nenzuzo yesikhathi eside. Ukutshalwa kwezimali okunenani elikhulu kunganikeza izinzuzo ezisheshayo, kodwa kubalulekile ukunaka izimo zokutholakala kwemali, ikakhulukazi uma lokhu kutshalwa kwezimali kuyingxenye yesikhwama sezimo eziphuthumayo. Ngaphezu kwalokho, kudingeka ukuqapha mayelana nezipesheli zenzuzo ephezulu emalini engenayo engaguquki, ngoba zingafihla izingozi ezinkulu noma, kwezinye izimo, zibe ukukhwabanisa. Ukuceba kudinga indlela elinganiselayo, egxile ekuphepheni nasezinzuzweni ezingokoqobo ngokuhamba kwesikhathi.
Ukuthola imali ngemali engenayo engaguquki kuyenzeka, kodwa kudinga inhlanganisela yokuzimisela, ukutshalwa kwezimali okukhulu kanye nokulindelwe okungokoqobo. Ukubonisana nochwepheshe wezezimali kungasiza ekwakheni isu elingcono kakhulu lezinhloso zakho kanye nephrofayela yakho njengomtshali-zimali.
