Ukuba ubeka eceleni ixabiso elincinci nganye ngenyanga, emva kweeminyaka kuza kudlulela ngaphambi kokuba uthenge ikhaya. Kodwa ukuba utyalo-mali ukugcina imali, kuya kukhawuleza. Ukuthenga indlu yakho - kuba baninzi kuthi le nto iyona nto ingxamisekileyo. Kodwa ixabiso lepropati kwikomkhulu, nakwezinye iidolophu, sele lifikelele phezulu kwizulu kwaye, ngokucacileyo, ayifuni ukuhla nabo. Abantu abaninzi bayabuza "indlela yokuqokelela kwixesha lethu kwindlu" nangomvuzo wama-ruble angama-30-40 amawaka ayabonakala engenakwenzeka. Kwaye kwanemali encinci - kwaye akukho nto yokuthetha. Enyanisweni, enikezelwe ukuba ukuqokelelwa kwemali, izixhobo zendabuko ezifana nokugcina imali ekhaya phantsi kweemathile zisetyenziswa. Kodwa ukuba, ngokomzekelo, "kubandakanyeka" iimali ezidibeneyo (uxanduva lwemali) okanye iibhankithi zebhanki ezinenzuzo, umfanekiso uphenduka.
Ngoko, ungumphathi ophakathi. Ufumana ama-ruble amawaka angama-42 ngenyanga, kwiminyaka yamuva iqokelele ixabiso elincinci, zithetha i-ruble eziyi-50 zamawaka. Kwimiba emngciphekweni okwaneleyo kwiminyaka emine, le mali ingaguqulelwa ibe yimali eninzi kunye nenani elimnandi lamazero. Into ephambili kukuba kuthathe isinyathelo sokuqala. Ukuqhubeka kuya kuba lula.
Ngubani ongathathi ingozi ...
Ungathumela imali yakho yokugcina imali, kunye nesiqingatha semali yakho ngenyanga nganye, kwi-fund ye-investment unit. Kungcono ukhethe "umyinge", obonisa ingeniso engaphantsi okanye engaphantsi, kodwa ayikho phakathi kweenkokheli zokukhula (oku kudla emva kwexesha elide liba ngaphandle). Isivuno sesingeniso saloo mali-mali kwiminyaka yamuva nje malunga nama-37% ngonyaka. Ngenxa yesi sicwangciso, inkunzi kwiminyaka emine iya kuba yizigidi ezi-2 ezingama-258 zama-ruble (jonga i-plate). Ngaloo mali usenokucinga ngokuthenga indlu yakho.
Ngokubanzi, umphumo ofanayo unokufezekiswa kunye notyalo-mali kwi-index index (egameni layo, mhlawumbi, liya kubandakanya inqaku elithi "I-Index ye-MICEX"). Nangona kunjalo, utyalo-mali lunxulumene nemingcipheko enkulu, oko kukuthi, amathuba okuba aya kuba ngaphantsi kocwangciso olukhulayo. Kodwa unako ukufikelela kumda we-ruble wezigidi ezi-2 kwiminyaka emihlanu, kwaye uhlehlise i-ruble eziliwaka ezili-10 kuphela.
Imboleko ngaphandle kobukhoboka.
Amava abonisa ukuba yi-ruble ezili-10 ngenyanga - yile mali ngokumisa apho uya kuziva uncinci. Ngokuqinisekileyo, ngexesha elifutshane ukuphindaphinda lingaba necebo elifanelekileyo. Ngendlela yokudala endala (imali-ekugciniseni impahla), wena ungasindisa ngokukhululeka kwintlawulo yokuqala. Nangona utyalo-mali lwama-10 000 we-ruble kwi-shishini elincinci (kubomzekelo, idiphozithi yasebhankini ngezinga le-interest rates eli-12%) emva kweminyaka emibini, i-capital-capital iya kukwazi ukwenza ii-ruble ezingama-260 zamawaka. Ukuqokelela iibhiliyoni ezi-2 ze-ruble ngale ndlela kuya kuthatha iminyaka engaphezu kwe-11.
Ukuthenga indlu yokuhlala, kufuneka ugxile ekuqokeleleni isitolimende sokuqala. Ukuba ngaba i-20% yeendleko zendlu, masithi, kubalulekile ukuqokelela ii-ruble ezingama-400 zamawaka. Ukuqokelela kwesi sixa ngenqanaba eliphantsi lomngcipheko kuya kuthatha iminyaka emithathu.
Olunye ucebisi lwemali luncedo lubalulekile ukwazi ukuba unquma ukuthatha imali. Umzekelo, emva kokuhlawula umdla kunye neendleko eziyimfuneko kwiholo lakho kuya kuba nemali ethile. Inokutshalwa imali, yithi, kwiimali zokutshala imali kunye nomngcipheko ophakathi. Ngomyinge ophakathi kwe-20% kwiminyaka emibini, unokufumana imali efanelekileyo ukubuyisela kwangaphambili inxalenye yemboleko kunye nokukhawuleza ukuphuma kwi-bondage yasebhanki.
Ndichitha ixesha elingakanani?
Ukuqokelela kubaluleke kakhulu ukucwangcisa imali yakho ngokufanelekileyo, ubuncinane kwinqanaba lokulawula indleko. Ngokomzekelo, ekupheleni konyaka odlulileyo intombazana encinci esebenza kwinkampani enkulu eNtshona yabuza ingcali ukuba icebise. Wafumana ii-ruble eziyi-80 ngenyanga. Ukuthenga indlu kumadlelo, wayengenayo iiruble ezigidi ezili-1.3. Intombazana yayinesiqiniseko sokuthi akayi kukwazi ukuyigcina esi sixa. Ngaphezulu kweminyaka emithathu edlulileyo, wakwazi ukuhambisa i-ruble ezingama-200 kuphela. Kwaye kwenzeka ukuba yonke ingxaki iyichitha. Emva kokubala iindleko eziyimfuneko (ukutya, iimpahla, ukuqesha indawo yokuhlala, njl.), Bafumanisa ukuba konke oku kubiza malunga ne-ruble ezingama-45 ngeenyanga. Eminye - inkunkuma yodwa, apho iyakwazi ukunqanda khona. Kwaye kwathiwa ukuba ugcina i-ruble ezingama-35 iinyanga nganye, ii-420 zamawaka ziya kubuthela iminyaka. Emibini emibini uya kufumana i-ruble eziyi-840 kunye nama-ruble amawaka amabini ama-200. iiruble ezilondoloziweyo ezikhoyo. Ingqikithi ukuthenga indlu yokuhlala i-ruble yezigidi eziyi-1.3 kufuneka ixuble ii-ruble ezingama-260 zamawaka, ezingenzima kunzima ukuziqokelela. Ngokomgaqo, banokuboleka. Ngaloo ndlela, unako ukusindisa indawo enjalo kwiminyaka emibili neenyanga ezisibhozo. Ukuba ugcina imali kwi-akhawunti yebhanki yepositi, unokufikelela kwiinjongo ezintathu kwinyanga ngaphambili.
I-arithmetic elula
Unyaka | Isixa sokuqala, gubha. | Inkokhelo yenyanga, gubha. | Impumelelo | Isiphumo, gubha. |
2008 | 50,000 | 21,000x12 | 37% | 402,000 |
2009 | 21,000x12 | 37% | 854 000 | |
2010 | 21,000x12 | 37% | 1 506 000 | |
2011 | 21,000x12 | 37% | 2 258 000 |
Ukuba umnqweno wokuthenga indlu ikhulu, ngokuqinisekileyo kuyimfuneko ukwandisa uhlahlo lwabiwo-mali. Yintoni oyifunayo ukwenza oku?
1. Ukunika iindleko ngeentlobo (iimveliso, iintlawulo ezinyanzelekileyo, iimpahla, ukuqeqeshwa komntwana, njl) kunye namanqaku.
2. Ukuchonga ezo ndleko ezinokuncitshiswa (ukuthenga iimveliso ngobuninzi okanye ukuya kwiholidi ngexesha "elifile").
3. Gwema iindleko ezingenangqiqo kunye nezingenakulungiswa (umzekelo, ukuthengwa rhoqo kwezinto zokugqoka).
4. Qinisekisa inani elifanelekileyo lotyalo-mali lenyanga, ngokusekelwe kumyinge we ngeniso nenkcitho.
Nangona kunjalo, umntu kufuneka aqonde ukuba kunzima ukukhuphela ngokukhawuleza kwihostela. Oku kunokwenzeka, kodwa kuthatha umgudu omkhulu. Kwaye kufuna amanye amaxhoba. Kodwa akudingeki ukuba utyalo yonke imali onayo kwi-PIFs. Kufuneka uhambe ngemali kwidiphozithi yebhanki ukuze ukwazi ukuwahoxisa xa kukho iindleko ezingalindelekanga. Kuya kunceda uzive ukhululekile. Kodwa iingcebiso eziphambili: ungagcini yonke imali phantsi komtatha. Bavumele basebenzele. Yaye iphupha lakho.