Iyiphi indima yokukhokhelwa kwamasiko edlala ekulawuleni imakethe yezimpahla?

Izinkokhelo zamasiko ziyingxenye enkulu yemali engenayo yengxenye yesabelomali kahulumeni. Bakha amaphesenti angaba ngu-30 azo zonke amarisidi. Umthetho waseRussia usungula indlela ethile yokubala izinkokhelo ezinjalo kanye nenqubo yokukhokha kwabo.

Yimiphi imisebenzi yamasiko?

Izinkokhelo, eziphakama lapho umngcele wombuso uwela ngeyodwa noma enye impahla, kuthiwa amasiko. Ziyi-regulator enkulu yezohwebo zezohwebo. Ithuluzi elinjalo livuselela ubuhlobo bezohwebo zangaphandle futhi luhlobo lokunciphisa izindleko zokukhiqiza endaweni yokuncintisana.

Izinkokhelo zamasiko zingaba umthelela ekwenzeni inqubomgomo ethile yomnotho kahulumeni. Imali isebenza kokubili kokuthengiswa kwezimpahla (ukungenisa ngaphakathi) nokuthengiswa kwemikhiqizo (ukuthumela ngaphandle). Ake sicabangele iqembu ngalinye ngokwehlukana.

Indima nenhloso yokungenisa imisebenzi

Ukuze silondoloze ibhalansi elithile le-Solvency yabantu, kanye nokulawula inani lezimpahla ezingenisiwe, umbuso unqume imisebenzi yokungenisa. Akunzima ukuqagela ukuthi ukukhokhelwa kwamakhokhelo amasiko kukwandisa izindleko zokugcina zokukhiqiza. Kodwa leli qiniso alilona libi njalo.

Ngenxa yokwanda kwentengo yezimpahla ezingenisiwe, kukhona ukukhuthazwa kwemakethe yasekhaya kanye nomkhiqizi wasekhaya. Ukuncintisana kwamabhizinisi kunyuke kakhulu. Futhi ngenxa yalokho, umthengi uthola izimpahla eziphezulu zezokukhiqiza kwakhe ngentengo engabizi. Yilokho kanye umgomo ophishelwa abacwaningi ekwenzeni lezo zinkokhelo. Ngamanye amazwi, imisebenzi yokungenisa ezweni ivikela imakethe yasekhaya futhi igcwalise umnotho wezwe.

Kungani ngidinga umsebenzi wokuthekelisa?

Izinhlobo zokukhokhwa kwamasiko, ezikhokhwayo lapho kuthengisa izimpahla ngaphandle komngcele wombuso, zibizwa ngokuthi imisebenzi yokuthumela impahla. Emnothweni wezwe izinyathelo ezinjalo azithandwa kakhulu. Ngokuyinhloko, ukuqoqwa kwezinkokhelo zokuthekelisa kwenziwa yizinhlangano ezilawula imithombo ethile. Ngosizo lentela enjalo, ivolumu yokuthengisa ilingana. Ngaphezu kwalokho, into efana nephutha ayifakiwe.

Ngezinye izikhathi amanani omhlaba womkhiqizo othize abe ngcono nakakhulu kunezifuywayo, nabakhiqizi, ukuze bathole inzuzo enkulu kakhulu, zama ukuthekelisa imikhiqizo yabo ngamanani angenamkhawulo. Izinkokhelo zamasiko nezintela kulokhu zidlala indima yokulawula.

Amanani okukhokha amasiko avelaphi?

Impahla ehambisana nemikhakha yemikhiqizo ibhalwe ohlwini oluhlelekile. Inhlobo ngayinye inekhodi yayo yohlobo lwegama lomsebenzisi kanye nomyinganiso wemali yomngcele ohambelana. Kusukela lapho izimpahla zifikile, izinga lokuqoqwa kweqoqo lishintsha.

Isibonelo, kuye ngokuthi ukuhwebelana nokuhwebelana kwezombangazwe phakathi kwamazwe, izinkokhelo zamasiko zingase zikhetheke noma zivelele. Uma imvelaphi yezimpahla ingacacisiwe, intela ikhokhwa ngenani eliphindwe kabili. Futhi emazweni angathuthuki, imali yamasiko ingahle ingekho. Izinhlobo ezinjalo zokukhokha zibizwa ngokuthi zikhetha.

Izimali ezikhethekile nezonyaka

Eziningana zezimpahla zokuthekelisa zinomlingiswa wonyaka. Kulezi zinhlobo zemikhiqizo, izinkokhelo zamasiko ezikhethekile zihloswe. Ukusebenza kwabo kunqunywe ezinyangeni eziyisithupha. Inkathi enjalo iyathakazelisa kakhulu kubanikezeli bemikhiqizo yezolimo, ngoba inani eliyisisekelo kulo mzuzu alisebenzi. Isilinganiso esinjalo sibuye sigcine. Kuyasiza ukugcina ibhalansi emakethe yasekhaya. Izinhlobo zokukhokhwa kwamasiko, enezimo ezikhethekile, zihlukaniswe ngamaqembu amathathu:

• Izintela zokulahla. Zisetshenziselwa ukuvimbela ukungenisa kwezimpahla ngamanani aphansi kakhulu. Indlela enjalo ivame ukusetshenziswa ngamazwe ukuthuthukisa imikhiqizo yawo kumakethe angaphandle, kanye nezinhloso zokukhangisa.
• Izinhlobo ezikhethekile zokukhokha amasiko. Yenzelwe uma kwenzeka usongo kubakhiqizi basekhaya ngokuphathelene nempahla enkulu yezimpahla ezingenisiwe. Lezo zigwebo zingabuyekezwa njengempendulo yezenzo ezibandlulula ezinye izinhlangano.
• Izinkokhelo zamasiko ezikhokhelwa. Kusebenza esimweni lapho izimali ezixhaswayo zisebenziswa ekukhiqizeni imikhiqizo.

Ubani ongenakho ukukhokha imali?

Izimpahla ezisizayo noma ezingakhokhelwa zikhululekile ngokuphelele ekukhokhweni kwemingcele. Imikhiqizo enjalo ingangeniswa ngokusebenzisa ubudlelwane obuphakathi. Futhi, imishini namadivayisi we-servicemen, izincwadi zesayensi nezincwadi zezincwadi ezinenani elithile lomlando, imali yaseRussia neyangaphandle, ayikhokhelwe izinkokhelo. Zonke lezi zinzuzo zenziwe ngumthetho futhi zine uhlu olulinganiselwe.