Ukuvuselelwa kwezikweleti
Kancane kancane, izinkampani ezinkulu zamazwe ngamazwe bezilokhu zisebenzisa imakethe yezindlu ezibolekisayo emazweni lapho amabhange amancane ayelawula khona. Omunye wemikhiqizo ekhanga kakhulu kulawa mabhange omhlaba ukuxhasa ngezimali (ukucabanga ngesiNgisi) yemali mboleko; Ake sibone ukuthi yini abayifunayo nokuthi yiziphi izinzuzo ezikhona.
1. Bafuna ukuhlanza iphothifoliyo yamakhasimende
Lokhu kwenzeka kaningi ngoba lapho ibhange lithola iphothifoliyo yemalimboleko, liyithatha "njengoba injalo," okusho ukuthi ezinye izimalimboleko zisesimweni esiyinkimbinkimbi noma zinezibambiso zebhange lomhlaba elibheka ubungozi obukhulu. Ngakho-ke ukunikela ngezezimali kabusha isu lokuhlanza iphothifoliyo yamakhasimende, ukuvuselela idatha (okungeyona emazweni ahlelekile kakhulu okuyisiphithiphithi) kanye nokuphakamisa inani lamakhasimende angaba khona maqondana neminye imikhiqizo enikezwa yibhange.
2. Balance amazinga esikweletu emalini yamazwe omhlaba.
Le yinkemba esika nhlangothi zombili, kepha imvamisa izuzisa obolekayo, othanda ukuba namazinga enzalo aphezulu ngoba abalwa ngemali yendawo futhi ngokuvamile aphezulu kakhulu ngenxa yokungaqiniseki ukwehla kwamandla emali. Njengoba iphinde yafakwa ezingeni lenzalo ngemali eqinile, kungaba yiDollar noma i-Euro, kusobala ukuthi inzalo iphansi futhi labo abahlaziya esikhathini eside bayabona ukuthi bazokhokha kancane; yize inani elikhulu lenzalo selikhokhiwe.
3.Hlaziya kabusha iziqinisekiso zokubambisa ngempahla.
Uma kwenzeka Inethiwekhi yemalimboleko, baphikelela kakhulu ekuvuselelweni kwemalimboleko, kungaba lawa okukhokhelwa kabusha imali noma okwempahla ebanjisiwe yesibambiso esifanayo, kubhekwa ukuthi impahla ayizange yehle futhi kungenzeka ukuthi ibuyise inzuzo yayo yemali. Lokhu kuvumela ukuthi banikeze amaklayenti izindlela ezingaphezu kweyodwa zokuxhaswa kabusha kwemali.
Amasu akhe abaluleke kakhulu yilawa:
- Ukuxhasa ngezimali kabusha (ukucabanga ngesiNgisi) ngaphansi kwezimo ezilula
Ekuqondeni ukuthi sekuvele kune-appraisal yangaphambili, imvume yemalimboleko nezindleko zokuvala, lesi sikhungo siqinisekisa ukuthi konke kwenziwa lula. Kuhle lokho.
- Inketho yokukhokha imali ngaphambi kwesikhathi
Lokhu okunye kugcinwa, ukugqugquzela abantu ukuthi bonge imali enhle, kunikeze inani lemali nokunciphisa inzalo. Isibonelo abasibonisayo ukuthi uma ubolekwe u- $ 200,000 bese kuthi u- $ 2,000 akhokhelwe uthishanhloko, ungaqinisekisa ukonga u- $ 63 ngenyanga, $ 760 ngonyaka kanye ne- $ 22,000 isiyonke ngenzalo engakhokhiwe. Lokhu kusho ukuthi cishe u-1/2% kuzinga lenzalo, kusobala, ngoba iminyaka yokuqala kulapho kukhokhwa inzalo ethe xaxa, futhi lapho kuncishiswa ijika indawo enkulu icatshangelwa kunokuyinciphisa phakathi noma ekugcineni.
- Ukuhlanganisa Izikweletu
Lo mkhiqizo we-Loan Network uwunikeza njengenye indlela, kulabo abanezikweletu ezihlukile ezinkcenkceshelweyo ezinjengamakhadi wesikweletu, imali mboleko yomuntu siqu, izikweletu zemalimboleko nokunye okungabekwa ndawonye kwimalimboleko eyodwa ngaphandle kokukhokha izikhungo ezahlukene zezezimali.
