Iindlela ezi-6 ezilula zokufumana iNzala eDityanisiweyo yonke imihla kwiMali yakho

Ungathanda njani ukutyala imali yakho kwaye uyiyeke ikhule ingenamda kwi-2024?

Kuvakala ngathi licebo, akunjalo?

Kule nqaku, ndiza kukubonisa iindlela ezi-6 ezilula zokufumana inzala yemihla ngemihla kwimali yakho.

Yicinge njengokuvumela imali yakho ukuba isebenzele wena ngelixa uvuna izibonelelo.

Ukuba awusazi, inzala edibeneyo yimfihlo 'isosi' esisityebi nge-1% yokuhambisa ukuphindaphinda ixabiso labo.

Kwenzeka njani oko?

Ewe, inzala edibeneyo ngumdla kwidiphozithi okanye kwimali mboleko.

Ngokungafaniyo nenzala elula, inzala edibeneyo ibalwa ngokusekelwe kwinzala eqokelelweyo kunye nenqununu yokuqala.

Cinga nje ngokuba 'ngumdla wenzala kunye nomdla wotyalo mali oluyintloko.'

Uyawubona umfanekiso omkhulu ngoku?

Leyo yimfihlo oyifunayo ukuze ukhulise imali yakho kwinqanaba elikhawulezayo kunenzala elula ethathela ingqalelo kuphela isixa sokuqala esisisiseko.

Umzekelo:

Yithi une-KES 10,000 kwiakhawunti yokonga efumana inzala ye-5% ngonyaka.

Kunyaka omnye, ungafumana i-KES 500, ikunike i-KES 10,500 iyonke.

Kwiminyaka emibini, uya kuba ufumene i-5% kwimali eseleyo ye-KES 10,500 ikunika i-KES 11,025.

Kwenzeka ntoni ukuba uyishiya iminyaka eli-10 kwinqanaba elifanayo lenzala?

Uya kugqiba nge-KES 16,470.09. Oko kukukhula okungenani kwe-6K kwiminyaka eyi-10!

Uyabona amandla omlingo wenzala edibeneyo?

Ngoku, kuthekani ukuba yayihlanganiswe yonke imihla?

Nazi ezinye zeendlela onokufumana ngazo inzala yemihla ngemihla ngo-2024.

• Isatifikethi sedipozithi

Yintoni isatifiketi sedipozithi?

Eyaziwa njenge CD, isatifikethi sedipozithi luhlobo olukhethekileyo lweakhawunti yokonga.

Ufaka imali yakho kule akhawunti yokonga kwaye uthembise (uyavuma) ukuba awuyi kurhola imali ngexesha elithile.

Nje ukuba kudlule elo xesha, uyayibuyisa imali yakho kunye nayo yonke inzala ethe yafunyanwa ngelo xesha.

Ungaqalisa njani ngesatifikethi sotyalo-mali lwediphozithi.

Unokucinga ngokuthatha eli thuba lotyalo-mali ukuba unemali ongayifuniyo kwiminyaka ethile ezayo.

Mhlawumbi ufuna ukonga ukuthenga imoto, ikhaya elitsha, okanye iholide leyo.

Kwimeko enjalo, ungangcono ukuhlala kude nemarike yemasheya okanye iibhondi kuba ungaphulukana nemali ngelo xesha.

Okanye mhlawumbi ufuna isahlulo semali esixholwe kude ngokukhuselekileyo kwi-env yokulondolozaironIngqondo kude nobuyatha kunye nokungazinzi kwintengiso yemasheya, emva koko isatifikethi sedipozithi lukhetho lwakho.

Ukuqala, phantse yonke ibhanki kunye nomanyano wamatyala zibonelela ngeli thuba lotyalo-mali.

Ngokunjalo, unokuthatha uhambo ukuya kwisebe lebhanki elikufutshane kwaye ucele ukujonga imiqathango yonikezelo.

• Inzala ephezulu yokonga iiakhawunti.

Ekwaziwa ngokuba akhawunti inzala ephezulu, olu luhlobo lwe-akhawunti yediphozithi onokuyifumana kwi-intanethi nakwisebe lebhanki lendawo yakho.

Ngokungafaniyo neeakhawunti zokonga eziqhelekileyo, iiakhawunti zokonga inzala ephezulu zihlala ziza nenqanaba lenzala elinomtsalane kunye nembuyekezo engcono.

Ke yintoni ekubambisayo?

Ewe, ukuze ufumane umvuzo omkhulu, kufuneka ugcine iakhawunti yakho yokonga kwaye ujonge iiakhawunti kumaziko ahlukeneyo.

Ukuba uqhele ukusebenzisa zombini iiakhawunti kwibhanki enye, oku kuya kuziva kunzima ekuqaleni.

Kodwa enkosi kubukho botshintsho lwe-elektroniki phakathi kweebhanki, unokuhambisa ngokulula nangokukhawuleza imali yakho esuka kwibhanki A iye kwibhanki B.

Ukuba ucinga ngale ndlela ilula yokufumana inzala yemihla ngemihla, nazi ezinye iingcebiso zokufumana enye:

• Umyinge wenzala -Iirhafu ozinikiweyo zikumgangatho okanye zilungiselelwe iinjongo zokukhuthaza? Kuya kufuneka uyiqonde kuba eyokugqibela iya kufumaneka kangangexesha elithile.
• Yimalini efunekayo ukuvula iakhawunti enjalo? Ngaba ukhululekile ngayo?
• Ubuncinci bebhalansi efunekayo
• Ngaba kukho naziphi na iifizi zokuqhuba iakhawunti? Unokuyiphepha njani? Umzekelo, ukugcina ibhalansi yeakhawunti yakho ingaphezulu komqobo.

2. Iibhondi

Le yenye yeendlela ezilungileyo nezilula zokufumana inzala edityanisiweyo yonke imihla.

Luhlobo lwesixhobo somvuzo osisigxina esimele imali-mboleko eyenziwe kumntu obolekayo (ubukhulu becala urhulumente okanye inkampani).

Yicinge njenge-IOU phakathi komboleki (wena) kunye nomboleki (urhulumente). Ibandakanya iinkcukacha ezibalulekileyo zemali mboleko kunye neentlawulo.

Ngamabhondi, uvuma ngokulula ukunika imali yakho kumboleki ixesha elithile. Kwaye xa elo xesha liphelile, ufumana ixabiso lebhondi emva.

Ukongeza, ufumana isigqebhezana (inzala ovumelana ngayo) ngonyaka.

Nazi ezinye iintlobo zeebhondi:

• Iibhondi zikarhulumente - olu luhlobo lwebhondi ekhutshwe ngu UNondyebo kaRhulumente waseKenya. Ke, kukho iindidi ezintathu apha, 'iMithetho eYilwayo', ekhutshwa nguNondyebo kwaye ithatha unyaka okanye ngaphantsi ukuvuthwa. Kwaye kukho 'amanqaku.' Oku kuthatha nantoni na phakathi kweminyaka eyi-1 ukuya kweli-10 ukuba ivuthwe. Ekugqibeleni, kukho ezo bhondi ezinexesha elingaphezu kwe-10 leminyaka eli-10 lokuvuthwa, elibizwa ngokuba 'yibhondi.'
• Iibhondi ezihlanganisiweyo. Ikhutshwe ziinkampani endaweni yokuboleka imali ebhankini.
• Iibhondi zearhente -Ikhutshwe ngamaziko amanyeneyo karhulumente
• Iibhondi zikamasipala -Ikhutshwe ngoomasipala namaphondo.

Ukongeza, ungabona iibhondi zamanye amazwe zinikezelwa ngurhulumente.

3. Izitokhwe

Izitokhwe luhlobo lotyalo-mali apho abantu abaqhelekileyo bafumana ukuthatha inxaxheba kubunini beenkampani ezinempumelelo kwihlabathi.

Xa uthenga amasheya, oko kuthetha ukuba ngoku unesabelo saloo nkampani.

Kwicala le-flip, izitokhwe yindlela yokuba iinkampani zonyuse imali yokuqhuba iiprojekthi, ukukhuthaza ukukhula, kunye nokunika amandla amanye amanyathelo.

Ngoku, ukuba ungumnini wenkampani, unelungelo kwinxalenye yeasethi kunye nomvuzo.

Oku kumiselwa linani lezabelo onazo xa kuthelekiswa nezabelo ezikhoyo ezingekahlawulwa.

Umzekelo:

Ukuba inkampani i-XYZ inezabelo ze-stock ezingama-2,000 kwaye uthenga izabelo ezingama-200, ngoku unelungelo lebango kwi-10% yengeniso yenkampani kunye nempahla.

Kananjalo, ukuba nesheya yenye yeendlela ezilula zokufumana inzala yemihla ngemihla.

Kuthetha ukuba xa inkampani ibhengeza inzuzo, ufumana isabelo sakho ngendlela yezabelo.

Ngoku, okukhona usabelana ngezabelo, kokukhona inyusa imali oyifumanayo.

4. Icandelo lezemali

Ukhuseleko lukaNondyebo lubandakanya ukhetho lotyalo-mali njengamatyala, amanqaku kunye neebond.

Ke, xa uthenga ukhuseleko lukaNondyebo kaRhulumente waseKenya, uboleka imali yakho kurhulumente omkhulu, othi naye athembise ukuyibuyisela kunye nenzala emva kwexesha elithile.

Olu khuseleko lukaNondyebo yile nto siyigubungeleyo kwiibhondi. Kwaye bonke beza namaxesha ahlukeneyo okukhula.

Ke ngokuxhomekeke kwiinjongo zakho, ungaya nakweyiphi na.

Umzekelo:

Ukuba ufuna ukukhwela umlingo wenzala ixesha elide, jonga 'iibhondi.' Bathatha ubuncinci iminyaka eyi-10 ukukhula, ke oko kukunika isivuno esikhulu.

5. IINKCUKACHA

Ikwaziwa ngokuba ziiTrasti zoTyalo-mali lweReal Estate, iiREIT lithuba elikhethekileyo lotyalo-mali kuye nabani na ofuna ukutyala imali kwiipropati ezingenamali yaneleyo okanye ongafuniyo ukuba nezindlu.

Eli thuba likuvumela ukuba unyuse ingeniso yokuthengisa izindlu nomhlaba ngokuthatha inxaxheba kubunini.

Ke kwenzeka ntoni ukuba uthenge izabelo kwisitokhwe senkampani engumnini kwaye esebenza iipropathi ezivelisa umvuzo.

Oku kuthetha ukuba uzakufumana izabelo ngeeasethi zenkampani kunye nengeniso.

I-REIT yenye yeendlela ezilula zokufumana inzala yemihla ngemihla kuba awunakukhathazeka ngokulawula iipropathi.

6. Amakhaya aqeshisayo

Kodwa ukuba ufuna ukuthatha inxaxheba ngokupheleleyo ekusebenziseni iipropathi zokwenza ingeniso, kuya kufuneka uthathele ingqalelo amakhaya erenti.

Apha, unokuthenga indlu kwaye uyiqeshise kwimarike. Ngale ndlela, iya kuba ikufumana umvuzo ngenyanga.

Enye indlela kukuba uqale ekuqaleni ngokwakha izindlu ezirentwayo.

Imfihlelo kukujolisa kwiindawo ezikhulayo kufutshane neekhampasi. Yakha iiyunithi zosapho olunye okanye iisetting zeebhedi kwaye usete umrhumo ofikelelekayo wokurenta.

Qiniseka ukuba iipropathi zakho zinokhuseleko olwaneleyo kunye nonikezelo lwamanzi rhoqo.

Ukuvala

Inzala edibeneyo yindlela eqinisekileyo yomlilo imali yakho mayikusebenzele.

Cinga ngezi zimvo ukuqala ukwenza imali ngelixa ulele.