Ewe kunjalo, ukuxhasa ngemali urhwebo lwe-elektroniki kufuna amajelo ongengawo awabantu abathile. Ngothotho lweemveliso okanye imigca yetyala ethathela ingqalelo iimfuno zakho. Apho enye yezona zinto zibalulekileyo yi utywala ukwenza iziseko zophuhliso okanye ukuphuhlisa kancinci kancinci kunye nokujongana nokhuphiswano kwicandelo ledijithali.
Ngaphakathi kwezi ntambo zekhredithi kukho iimveliso ezikhethekileyo njengokufaka izinto kwaye kwindawo encinci yokuqeshisa kunokuba ngeli xesha. Ukugubungela inxalenye elungileyo yeenjongo ezigcinwe kwi-Intanethi okanye kumashishini anazo. Ngokusebenzisa i- umgangatho wenzala ezinokuba luncedo ngakumbi kwimidla yakho. Umahluko wezishumi ezimbalwa zepesenti ngokubhekisele kwisibonelelo esinikezelwa ngamashishini emali kubantu abathile.
Kwelinye icala, ayinakulityalwa ukuba iimfuno ezifunwa lolu didi lweenkampani zahlukile kwezo zamashishini emveli okanye aqhelekileyo. Ngokufuna inkcitho eyahlukileyo kwezi kwaye ke ngoko unyango olwahlukileyo ngamaziko emali. Esi sesinye sezizathu zokuba kutheni siza kuzisa iklasi yokuxhasa ngemali urhwebo lwe-elektroniki ukusukela ngoku. Zininzi kwaye zahlukahlukene, njengoko uza kubona kweli nqaku.
Iindidi zenkxaso-mali: ukuhanjiswa kwezinto
Yimveliso eyenzelwe nawuphi na usomashishini okanye ingcali kwaye, ngakumbi, iinkampani ezincinci neziphakathi ezinokuthi, ngale fomyula,ukunciphisa umthwalo womsebenzi yesebe lezolawulo, ikhuphe ubalo-mali olwenziwe yintengiso kunye nokuqokelelwa kwayo. Kanye nokuqhubela phambili ngomhla wokuhlawulwa kwee-invoyisi, konke oku kuyayiphucula inzuzo, amandla ekhredithi kunye nokusombulula imali kwinkampani.
Phakathi kwezibonelelo zokufumana ikhontrakthi ngale mveliso, kukufumana ulwazi oluthe rhoqo, oluhlaziyiweyo lwabantu abanamatyala, ukunciphisa umthwalo wezolawulo okanye ukwenza lula ukubalwa kweakhawunti yabathengi, phakathi kwabanye. Kwelinye icala, akukho profayile ichaziweyo yeenkampani ezisebenzisa le mveliso yemali, endaweni yoko umda ubonelelwa yimveliso ethengisiweyo kunye neemeko zokuhlawula.
Ngokoluvo lweSpanish Association Ukujolisa "Akukho profayile ichaziweyo yeenkampani zabasebenzisi zale mveliso, endaweni yoko ukucanda kunikezelwa yimveliso ethengisiweyo kunye neemeko zokuhlawula. Ngamanye amagama, zonke iinkampani zinokuba ngabasebenzisi bencwadi, bathengise kwimarike yasekhaya okanye bathumele ngaphandle ”.
Ukurenta ngokuguquguquka okukhulu
Ixesha lokurenta liyafana ukurenta kwepropathi ixesha elide, kule meko yesithuthi, nokuba yenziwe njani, imodeli okanye icandelo. Ngokuqeshisa, inkampani (inkampani yokuqeshisa) ithenga isithuthi esitsha, ngokokuthanda kunye neemfuno zomthengi okanye somqeshi, kwaye siyenze ifumaneke kubo.
Nangona ayisiyomveliso enxulunyaniswe ngokusondeleyo kwiminqweno yevenkile ye-intanethi okanye yorhwebo, inokuba luncedo olukhulu ngexesha elithile kubomi benkampani. Phakathi kwezona zinto ziluncedo kakhulu kukuba irente inokwenziwa ngabo bonke abantu bendalo nabasemthethweni ngaphandle kwesithintelo kwaye ibonisa inkonzo ebanzi egubungela yonke imiba enxulumene nokusetyenziswa kwepropathi echaphazelekayo.
Yindlela ekhethekileyo yokuxhasa ngemali enokunceda kwimidla yabanini bevenkile ye-Intanethi okanye kwezorhwebo ngaxa lithile okanye kwelinye. Kungenxa yokuba ibonelela ngenzala yokhuphiswano ngakumbi kunamanye amakhredithi agunyazisiweyo lolu didi lukhethekileyo lweenkampani. Ngokuhlawula amatyala okubonakaliswa kukuguquguquka okukhulu kwaye okuhlengahlengisiweyo kwiimfuno zeenkampani zedijithali.
Isaphulelo kurhwebo kunye nenkqubela phambili
Yinkonzo leyo qhubela phambili imali ukuhlawula amatyala (amatyala, amanqaku ezithembiso kunye neerisithi) kunye neekhredithi zorhwebo, kwi-Intanethi kunye nomngcipheko oxabisekileyo. Oko kukuthi, balindele imali oyifunayo emva kokutsala inzala yekota kunye neendleko ezihambelanayo. Okwangoku, xa kufika ukukhula, amaziko emboleko aphethe ulawulo lolawulo.
Enye yeemveliso ezifumaneka ezivenkileni okanye kumashishini akwi-Intanethi zizinto ezibizwa ngokuba ziirisithi. Apho ukuba ingqokelela yeerisithi ingumsebenzi oqhubekayo kwishishini lakho, amaziko amatyala aphetheyo ekunikezeleni eyona ndlela yokulawula ngenkonzo ye-Intanethi yeenkampani. Ye-Chlela iintlawulo zakho ngokulula ngokusebenzisa isoftware, kunye nokungenisa ngaphakathi iintlawulo zakho ukuba sele unazo kwifomathi esemgangathweni ye-AEB.
Unako kwakhona rukulandelela imbuyekezo; Olu lwazi luthunyelwa kuwe yonke imihla. Banikezela ngeenguqulelo kunye nejeneretha zokuthumela kunye neefomathi eziqhelekileyo kwimeko apho inkampani yakho ingasebenzi kunye neefayile ezithile.
Ukuhlanganiswa komngcipheko kwimisebenzi
Ukutsalwa kwimakethi kuhlala kubeka umngcipheko kwabo bahluphekayo kwaye ukuba uthe wachaphazeleka kobo bungozi awusoze uzole. Ke ungaqhubeka nge Inkxaso mali Ngendlela enobungozi obuncinci, sibonisa ukuba phantse kuzo zonke iibhanki kukho iimveliso zekhathalogu ezahlukileyo, kuxhomekeka kudidi lwabathengi, ezinje ngexabiso lenzala, elikhusela ngokuchasene nomyinge wenzala ngeendlela ezimbini.
UKUKHETHWA KWEXESHA LENZALA (CAP) yabantu bendalo nabasemthethweni. Ikhusela ngokuchasene nokunyuka kwenqanaba lenzala ngaphezulu komgangatho ophakamileyo osetiweyo ekuqaleni kwexesha elichaziweyo, endaweni yokuhlawulela ipremiyamu. Ngexesha ngalinye, ukuba inzala ingaphezulu kwelo nqanaba liphezulu, ibhanki iyakubuyekeza ngokwahluka.
ULAWULO LWEZIMALI LOKUTSHINTSHANA KWEZIMALI (SWAP) kumaziko athile asemthethweni. Imalunga nokutshintshiselana ngenqanaba lenzala eliguqukayo (njenge-Euribor) ngenqanaba elimiselweyo. Ngexesha ngalinye, ukuba ireyithi emiselweyo iphezulu kunezinga eliguqukayo, umthengi uhlawula umohluko. Ngaphandle koko, yibhanki eyihlawulayo. Kwimeko yokucinywa kwangethuba, imveliso iya kurhoxiswa kwimarike kwaye inokukhokelela kwiindawo zokuhlala ezimbi zebhanki okanye zomthengi.
Kwaye zikunika ntoni ezi zigqumathelo?
- Uyazigquma ngokubhekisele kwimingcipheko ebusweni bokunyuka okuphuculweyo
- Ungazi kwangaphambili iindleko zezemali
- Uyazikhusela ekuguqukeni kweemarike
Imigca yezemali ye-ICO
Xa usenza ishishini lakho kwi-Intanethi, zininzi izinto ekufuneka uziqwalasele ukuze zisebenze ngendlela olindele ngayo. Ke ngoko, ukujongana nolu tyalo-mali lukhulu, Imali-mboleko ye-ICO. Umgca wezemali onokuthi ukhulise ishishini lakho ngokutyala imali kuzo zombini iiprojekthi kunye nokuphucula, ngaphakathi nangaphandle kweSpain.
- Kwabazimeleyo kunye nakwiinkampani zabo nabuphi na ubungakanani
- Ukuxhasa ngemali utyalo-mali kunye neemfuno zokuhlawula amatyala
- Imali mboleko kunye nokuqeshisa
- Ngeemeko eziguquguqukayo zemali
- Iimeko eziluncedo ezihlengahlengisiweyo kwiprojekthi yotyalo-mali
- Ukuya kuthi ga kwi-12,5 yezigidi ze-euro ngomthengi ngamnye ukuya kuthi ga kwi-100% yeprojekthi yotyalo-mali
Iikhredithi kwifomathi ekwi-intanethi
Olona loncedo lwabo lubalaseleyo kwiinkampani ezikwi-Intanethi zilele kwinto yokuba banikwa ngokukhawuleza kunemali mboleko yesiNtu, ngaphandle kwesidingo sokwenza naluphi na uhlobo lwamaphepha, nangona isibonelelo sabo sixhomekeke umda owenziwe kwangaphambili kumthengi ngamnye kwaye, ezahlukileyo ngenxa yokuba iimali ezibolekiweyo ziphantsi kunezinye iindlela zetyala, ngaphandle kokuba amanye amaziko emali ayibonisayo iphakamisa eli xabiso ukuya kwii-euro ezingama-60.000.
Bahlala befaka inzala eyahlukileyo phakathi kwe-7% kunye ne-10%, kunye nexesha lokuhlawula elingafane lidlule kwiminyaka emihlanu kwaye, ekufuneka kongezwe kuyo iikhomishini ezinokubakho zokufunda, ukuhlawula amatyala ngokuyinxenye okanye ukurhoxisa okunokumela phakathi kwe-1% kunye ne-3% eyongezelelweyo kwinto ekufuneka ihlawulwe kwimveliso ekuvunyelwene ngayo. Nangona kusiba lula ukuwafumana phakathi kwesibonelelo esenziwe ngamaziko ezezimali kumaxesha akutshanje, kufuneka kukhunjulwe ukuba ukwenziwa kwekhontrakthi akuthethi naluphi na uhlobo lwesaphulelo kwiqondo lenzala elisebenza ngokubhekisele kwiikhredithi ezibhalisiweyo. Ukusuka kwezinye iindlela zemveli.
Ngamafutshane, iivenkile ezikwi-Intanethi okanye amashishini anesibonelelo semali esahlukileyo esilungiselelwe iimfuno zabo zokwenyani. Ukusuka apho ungahlawula khona ukuthengwa kwezixhobo zekhompyuter, ukufikelela kubuchwephesha bolwazi lwamva nje kunye nolutsha okanye ukomeleza inkonzo yabathengi, phakathi kwezona mfuno zibalulekileyo ngalo mzuzu kanye. Ngenkqubo enokwenziwa kwibhanki yakho yesiqhelo okanye ngokunikezelwa kunye nokunyuselwa ebekwenziwe ngala maziko emali. Ukuze abo bajongene neenkampani zedijithali bakwimeko engcono yokukhuphisana nezinye iinkampani ezineempawu ezifanayo. Ukugcina ityala kwiakhawunti yokonga ukusukela ngoku.