Indlela yokonga emotweni? Indlela yokonga imali kwi imoto?

Kakade ke, imoto sele kudala Uyekile ukwenza i "ngokudlul" yokusebenza iphupha elo eseleyo iminyaka emininzi, njengokuba kwakunjalo ngexesha kubomi kwilizwe qumrhu. Kwi-USSR, ukuze athenge imoto, kwafuneka ukuba wonge imali ixesha elide.

Imoto - hayi ubutofotofo

Kwaye namhlanje, athenge i "ihashe intsimbi" - kumnandi, bathi, ayikho cheap. Kunjalo, amakhulu ezigidi baseRashiya kunyaka ngamnye ukufumana imoto entsha kraca. Zonke umatshini efanayo kwiimeko mihla lufumaneka. Oku kungenxa yokuba automakers bazama ukuba bavelise umfuziselo eyayiza ukwanelisa iimfuno zabantu kunye namanqanaba ahlukeneyo yengeniso. Nangona kunjalo, le meko sikude egqibeleleyo, ngoko inxalenye enkulu yabemi zethu nangoku ukuba ulondoloze imali ethile, ukuba babe ngabanini besithuthi. Kakade ke, cinga nzima malunga nendlela ukugcina emotweni, njengoko bathi, ngokukhawuleza kwaye ngaphandle kokulibazisa kwabo. Iingcebiso enikwe ngasezantsi qiniseka ukuba luncedo kwabo uphupha nizuze 'ihashe intsimbi ".

Ngoko ke, makhe sihlolisise umbuzo bobuqili njani ukugcina imoto nabani na ofuna ukuba crazy kangaka.

Ukubeka nemigomo ecacile

Ngokuqhelekileyo, kufuneka uqonde ukuba umnqweno yokuthenga imoto - kancinci. Okokuqala, kufuneka ukufumanisa ukuba kufuneka uhlobo 'ihashe yentsimbi "lophawu, iinkcukacha zalo umbala. Ukuze ubone kwangaphambili kunye isixa izibonelelo zemali ezifunekayo ukuze kuthengwe isithuthi. Khumbula, kokukhona uya kuziva ukwenza into, i ucaca ingqondo yakho iya kuvela injongo njani ukugcina imoto ngokukhawuleza kangangoko kunokwenzeka. Ukuba umnqweno wakho ukuba athenge imoto litshiswayo, ngoko qiniseka ukuba kunjalo.

Ngobuciko ukucwangcisa ibhajethi yakho

Kufuneka ufunde ukulawula uhlahlo usapho lwakho. Hlalutya iindleko zabo. Mhlawumbi imikhwa emibi? Ukuba uyatshaya, umzekelo, iingxowa-2 yecuba ngosuku, inkcitho ukusuka engange-150 ukuya-200, ngoko ke kufuneka ucinge ngendlela balahle likhoboka ugwayi. Oku kakhulu kunciphisa ixesha ekuphumezeni iinjongo zakho. Kusenokwenzeka ukuba baqhele kuphumla kunye nabasebenzi babo nabo okanye osebenza nabo ngaphezulu iglasi cognac eqolo ekupheleni kweveki. Ukusombulula ingxaki njani ukugcina imoto, hayi nokunqanda kuyo ngonaphakade, kwaye kufuneka ukusika le ndleko. Cinga ngendlela nokwandisa kunye nezinye iindleko zakhe. Ukuba ukuphatha ukwenza oku, i-free 15-20% yomvuzo wakho kubekelwa bucala ukuze athenge imoto. Kulo mzekelo kuba kuni akuyi kuba kunciphiso mali iza ezinzima kakhulu.

Ukulondolozwa kunye zemali mali

Xa ithe ke yona yabuyela ndizeka isixa esithile-mali, kukho umbuzo malunga nendawo nendlela ukugcina kubo, kakuhle, xa bathe benza inzuzo. Kakade ke, ukuba ugcine imali yakho "phantsi komqamelo", wena musa isigqibo ixesha elide ingxaki yendlela ukuqwebela umatshini wokuqala ngokukhawuleza nangendlela efanelekileyo.

Kukho ukhetho okuvula esisibambiso ebhankini, kodwa inzuzo eyinzwana kuwe musa ukukhafula, abona ukuba ukwazi ukubala - yi-10 ekhulwini ngalinye ngonyaka.

utyalo-capital

Kukho indlela engcono ngayo ngokukhawuleza isonjululwe ingxaki ngokonga imali kwi imoto. Ntoni? Imali. Ungatyala asethi zabo zemali kolu tyalo ye PAMM-akhawunti, iminyango intanethi, imali efanayo, "Forex". Zonke ezi zixhobo isiqinisekiso inokukuzisela inzuzo elungileyo kakhulu, eyona nto ibalulekileyo - kukufunda ukuzilawula.

Okwangoku, abaliqela umthombo omnye zophuculo njenge abakholosa urhwebo lwemali "Forex". Ngaphambi kokuba utyale imali yabo apha, kufuneka ukuqonda imigaqo le nto, kungenjalo uya kuphela akuyi isigqibo umbuzo indlela ngokukhawuleza engapheliyo phezu matshini, kodwa uya kulahlekelwa yonke imali wabutha.

Khumbula ukuba naluphi na utyalo-mali ibandakanya iingozi ezithile, ngoko ukuba ngokuqinileyo ufuna ukwenza oku, musa ukusebenzisa yonke imali yakho, kodwa kuphela inxalenye.

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Okwangoku, abo bantu abathi akukho xesha kufuneka imoto, umzekelo, ukuba benze ushishino, mchazele ukuba bayile ngayo ngetyala. Kakade ke, ukuba umntu akayi kuba ngokugqithiseleyo mthwalo iimeko zayo, ngoko olu kuthenga ukhetho "ihashe yentsimbi 'ukuba kuhoywa. Ukuthelekiswa linikeza evela kwiibhanki ezahlukeneyo kwaye khetha eyona iyingenelo omnye. Kuya kufuneka ukuba uqhagamshelane neziko zemali ukukhupha amaphepha eziyimfuneko kunye nezitshixo ukuya imoto kakhulu kungekudala kuba izandla zabo. Bonke. Sombulula ingxaki ngokonga imali kwi imoto, wena akusekho mfuneko. Noko ke, kunokuba ufumana enye - qho ngenyanga kuya kufuneka ixesha ukuze wenze isixa esithile mali ukuhlawula imali-mboleko, ngomdla. Yeyiphi indlela engcono uthenga imoto - kuxhomekeke kuwe.

Ngelo xesha, abasebenzi ngokwabo neebhanki, enika izimvo ekungathethwayo phezu eluncedo nengeloncedo ingxelo wekhredithi kufuneka ukuba uthathe imali lokuboleka ezimotweni, apho uza kuqalisa kuwa ngexabiso. Kungenjalo wena engozini ukuba mawuhlawule kabini ixabiso. Ukongeza koku, kuya kufuneka ukuba ahlawule inzala ngemali-mboleko, ukuba akhuphe ipolisi ye-inshorensi kunye nezinye iindleko ezongezelelweyo.

Njengokuba kunjalo kumazwe aseYurophu?

Kakade ke, baseYurophu, kwakunye baseRashiya ungathanda ukuba ukukhwela iimoto ekhululekile yaye ngokukhawuleza. Nakuba kunjalo, kuzo ezifanele ukuba nokufunyanwa kwezithuthi elungeleleneyo ngaphezu bakuthi. Abemi "Endala Yehlabathi" usoloko ingcinga bahlole izakhono zabo zemali kwaye bazimisele ukwenza kusithenga imali engaphezu imali nyanga ezisibhozo-.

Indlela ukuba umnini wesithuthi yomfundi rhoqo?

Namhlanje le imoto - kuba iphupha wokugqibela kubantu abatsha. Abafundi zeeyunivesithi ubuthongo nje kwaye ubone indlela ukubaleka imoto abathile fast and zikhululekile. Kodwa indlela ukuqwebela imoto eya umfundi nokuba kunjalo? Kakade ke, lo ke akukho msebenzi lula, njengokuba thina siyazi, kule nto hlabathi akunakwenzeka. Kodwa abantu abatsha ngokwabo ukuba ngokunzulu ukunciphisa indlela ngqongqo zonke iindleko zabo. Kwakhona, kufuneka uqale ukubeka iinjongo kunye nokumisela umhla oluthile xa ngokwenene ekufuneka zizaliswe.

Kufuneka ucinge ingqesho ngethuba lokufunda. Uya kusindisa inxalenye imivuzo yabo ekuqondeni iinjongo zayo.

isiphelo

Kakade ke, unako ndawo ukutyala imali yabo nzima, kuba besoyika ukuba balahlekelwe ngaxa linye. Kulo mzekelo, unako ukuthenga imoto, kodwa ishumi elinesihlanu kuphela kamva. Ukuba ufuna ukukhawulezisa le nkqubo, ngaphandle ubungozi kunjalo awukwazi ukukwenza. Khumbula nje ukuba nawuphi na umngcipheko kufuneka ugwetyelwe.