Imali yangempela sabantu kanye nenqubomgomo yomphakathi we isiqondiso emakethe umthengi

Ngokwenkolelo ekhona, ukuhlola indima engenayo yemali kwetinhlavu emakethe ukusetshenziswa kuyadingeka hhayi nje ngobe kutawutfutfukisa yokulinganisa yaphela hlangana nenyanga ka nokungena kwemali kanye inzuzo okudayisa, siphawula ngokuya inzuzo waqaphela ukuthi umbukiso emakethe futhi phezu yemali engenayo inkomba amathuba ukuthuthukiswa emakethe umthengi, kodwa futhi kanjani imali yangempela uhambisane ukukhula futhi imiqulu ukukhiqizwa futhi umkhiqizo.

engenayo alahlwayo Real kuhlobene yini kuphela ububanzi kokusebenza kwabo, kodwa kuqala nokusemqoka kwenkululeko lasungulwa. I share lomcoka ukubaluleka imali engenayo ihlanganisa inkokhelo, esiyingxenye sesisonke engenayo yonyaka, esimelela at izindleko zomsebenzi njengesizathu esinomthelela zokukhiqiza. Ngakho-ke, ukukhula inkokhelo futhi, ngenxa yalokho, imali yangempela, okufanele kuhambisane uphakamise izwi ukukhiqizwa.

Ukuze ukufunda lesi Ubuhlobo - izinguquko ivolumu ye ezidayiswayo kanye nenani imali engenayo, ungasebenzisa ifomula owaziwa ezihlongozwayo kunoma iyiphi amabhuku okufunda ngesikhathi ezomnotho. Ngokusho kwakhe, kunengqondo ukuphetha ngokuthi ukusebenza ngempumelelo kazwelonke ukukhula okukhipha kwezomnotho kufanele outpace ukukhula imali futhi okuwukuphela kwendlela ukuthonya imali yangempela. Nokho, lokhu njalo sebenzisa ngaso sonke isikhathi kuxhomeke isu umbuso ngokuya ihogela ukulungiswa wemakethe umthengi

Uma isilinganiso ingaphansi kwe-unit kusengaphambili, ubunjalo ukubonakaliswa yayo emakethe umthengi kungenziwa bahlulelwe isimo has a inqubomgomo "imali kuyabiza" lapho okukhiphayo kuboshelwe intengo yezinto ezibaluleke kakhulu ukukhiqizwa (izisebenzi). Uma-ke mkhulu kwelilodwa ke isimo has a inqubomgomo "imali ezishibhile", zihlose kakhulu inkanuko ukusetshenziswa. Futhi kungenziwa abhekwa uma kunomthelela nalomsebenzi emakethe umthengi yasekhaya: ukukhula zokukhiqiza kanye yokuthengisa ezidayiswayo yasekhaya, ukunciphisa yokusungula.

Uma inqubomgomo "imali kuyabiza" kwenziwa ezweni noma isifunda ukuze usimamise umnotho futhi ekunqandeni izinga lokwehla kwamandla emali, it is Yiqiniso, kwanciphisela imali yangempela kwabahlala kuwo kuthakazelise. Njengomthetho, somgomo wokusetshenziswa kwezilimi eziningi kuhambisana ayibikwa yokusungula nomsebenzi eliphansi emakethe umthengi. Asekelwe lokhu umbuso ukuze bazogcwalisa emakethe umthengi futhi ukuvimbela ngaphambi ukukhula imali ngaphandle ukwanda okuhambisanayo izinga lokukhiqiza, okuyinto nakanjani yayiyoba kuvuse wenzuzo, kwakuzokwenza futhi kuholele yokuthi imali yangempela banyukubala.

Lapho izinga lokukhula imali cishe ahambisana nokukhula ekukhiqizeni futhi umkhiqizo, okuyinto ngokuvamile yenza emakethe esifundeni sika azinzile, kodwa lokhu akulona ngempela olinganiselayo by ohambelana nenani isiphakamiso funa ngobukhulu, kusukela ukubaluleka ezikhona e ukuhweba iimfesi liphuma ngokucijile, njengoba izimpilo emakethe ku "eceleni" isimo, okwandisa umsebenzi umthengi. Ngokwesibonelo, esimweni esinjalo ezingase ziphakame uma lapho izwe noma isifunda, inqubomgomo "imali ezishibhile" ngendlela yokuthi akunakubangelwa yokuthi ngonyaka odlule khudlwana ukukhiqizwa ezidayiswayo, kodwa hhayi yonke impahla ekhiqizwa kwathengiswa. Ngakho-ke, zishesha ngaphezu kokusabela kwezizwe ukukhula imali uma kuqhathaniswa nokukhula ukukhiqizwa kwezimpahla okuhloswe ngaso inkanuko ukusetshenziswa futhi, ngenxa yalokho, ukunciphisa ukubaluleka ezikhona.

Isimo nzile emakethe umthengi njalo libhekene okungaka ukwanda kwemali engenayo, inzuzo kanye ukukhiqizwa kwezimpahla, njengoba nokwenza kwezimpahla esifundeni litfuba lekubuka nethonya elingaka isimo yi yokusungula ekusakazeni. Ngakho, nokumadanisa izibalo etholwe Coefficient kusengaphambili enenani yokusungula e ukuhweba iimfesi, kungenzeka ukulinganisa umphumela inchubomgomo yembuso emkhakheni umthethonqubo emakethe ngokusebenzisa indlela kumiswa futhi ukugcwaliseka imali sabantu sika.