Umehluko phakathi kokudlulisa nokudlulisa Imininingwane!

Kuso sonke lesi sihloko sizozama ukuxazulula konke ukungabaza kwakho mayelana umehluko phakathi kokudlulisa nokudlulisa, siyazi ukuthi la magama amabili kwesinye isikhathi angabangela ukudideka, ngakho-ke sizozama ukukusiza ukuthi uwahlukanise futhi wazi incazelo yawo ngayinye. Ake siqale.

umehluko-phakathi-nokudlulisa-nokudlulisa

Kukhona ukungabaza okuningi mayelana nomehluko phakathi kokudlulisa nokudlulisa, sethemba ukuthi lesi sihloko sizokusiza ukuxazulula konke nokuthi uzokwazi ukwazi ukuthi ungakwenza kanjani ukuthengiselana ngendlela efanele.

Umehluko phakathi kokudlulisa nokudlulisa

Lapho sibona la magama amabili okokuqala, ukusabela kwethu okungokwemvelo kungaba ukucabanga ukuthi kokubili kubhekisela emicabangweni efana kakhulu, kukhona ngisho nabantu abacabanga ukuthi bangase babe bomcondvofana, kodwa ake sikutshele ukuthi imiqondo ehlukene, ukuthi kufanele wazi ukuthi ungahlukanisa kanjani ukugwema ukukwazi ukwenza iphutha nokwenza ukuthengiselana okungalungile.

Siyazi ukuthi inqubo ehlanganisa ukuthumela imali isuka endaweni eyodwa iye kwenye iyinqubo evamile yazo zonke izinhlangano zamabhange kithina njengabasebenzisi, kuthathwa njengomsebenzi esiwenza ngo-90% uma singena kwinkundla yewebhu yasebhange noma lapho ukuya kumtsheleli webhange. Kodwa kufanele sazi ukuthi kuye ngomsebenzi esinquma ukuwenza, lokhu kungase kube nemiphumela ethile ehlukile.

Manje yimuphi umehluko ophawuleka kakhulu? Hhayi-ke, kulula, ukudluliselwa kumahhala ngokuphelele, kuyilapho, ukudluliselwa, amabhange noma izinhlangano zezezimali zikhokhisa amakhomishini ahlukahlukene kuye ngenani okwenziwa ngalo ukuthengiselana, ibhange okuqondiswe kulo noma ngisho nendawo yezwe. imali iqondiswe.

Umehluko phakathi kokudlulisa nokudluliswa okwengeziwe

Omunye umehluko omkhulu ukuthi ukudluliselwa, okubuye kwaziwe ngokuthi "ukudluliselwa kwangaphakathi", kungenziwa kuphela ebhange elifanayo, okungukuthi, kuhlanganisa izinqubo zangaphakathi kuphela, okungukuthi, uma ungakwazi ukwenza lokhu kuthengiselana kwakho kokubili. ama-akhawunti akho futhi abe ebhange elifanayo noma kwabanye abasebenzisi abanama-akhawunti ebhange elifanayo, ayikho imingcele enjalo.

Ngaphezu kwalokho, singafaka ukuthi lezi zinqubo ziyazenzakalela futhi ngaphandle kokukhokhwa kwamakhomishini, njengoba imali ingeke ithuthele kwezinye izindawo, amabhange awavamisile ukukhokhisa lolu hlobo lwesenzo ngisho noma wenzela ama-akhawunti akho noma ezinye izinto. amaklayenti, njengalokhu sishilo ekuqaleni.

Kodwa-ke, kunezikhathi ezithile lapho ukuqoqwa kwamakhomishana kusebenza khona, cishe njalo lapho ukudluliselwa kwenziwa kusuka ku-akhawunti yomthetho kuya kwenye i-akhawunti yezomthetho yehhovisi elihlukile, kulokhu uma inani elincane liqoqwa, okuzoba khona. ebekwe ngokusekelwe ezimisweni zangaphakathi zamabhange, zona zizohlukaniswa ngokusekelwe enanini elidlulisiwe kanye nomuntu okwenziwa kuye umsebenzi.

Ngakho-ke, kuyiphuzu okufanele ulicabangele lapho udlulisela imali, uma kwenzeka unemali eyanele noma ufuna ukuthumela yonke imali onayo ku-akhawunti, kufanele ukhumbule njalo ukuthi awazi ukuthi bazokhokhisa amakhomishini, ngakho-ke kuhlala kuhle ukuthi ube nemali eningi noma kancane ukuze ikusize ngalokho.

Lokhu kuphambene nokudluliswa kwemali, okuhlanganisa ukwenza ukuthengiselana ngama-akhawunti amanye amabhange, ngakho-ke, azohlala ekhiqiza amakhomishana okwenza umsebenzi, futhi lapha siqala ukubona umehluko ngegama esilichaza ngenhla, futhi lokhu sisebenza kunoma iyiphi i-akhawunti evela kwelinye ibhange kungakhathaliseki ukuthi ngeyomnikazi ofanayo noma ngeyomunye umuntu noma ihhovisi.

Lingaba yimalini lelo phesenti?

Kuyinto engase ikubambe, ngoba impendulo iwukuthi izoncika ngokuphelele enanini ukudluliselwa kwemali okwenziwa ngalo, ibhange lapho kukhishwa khona, lelo elithola imali nokuthi bobabili balusingatha kanjani lolu hlobo lomsebenzi. , indawo yendawo lapho yenziwa khona nalapho yamukelwa khona, ingaba nomthelela endleleni okwenziwa ngayo imisebenzi, kungakhathaliseki ukuthi isuka kuhlelo lokusebenza lweselula noma isuka kuwebhusayithi ngokuqondile. Konke lokhu kungaba nomthelela ukuze bakukhokhise inani eliphezulu noma eliphansi lekhomishini ngokwenza umsebenzi.

Mhlawumbe ungase uzibuze, kungani amabhange ekhokhisa lawa makhomishini? Yebo, kungenxa yeqiniso elilula ukuthi kubabiza imali ukwenza umsebenzi, futhi kufanele babe nokusekelwa okuthile uma kwenzeka kudingekile ukubuyisela imali edlulisiwe ngesizathu esithile, okungukuthi, lezi zimali. azikhushulelwa phezulu, zonke zilawulwa ngokufanelekile emithethweni yentela yasebhange.

Lo mthetho yiwona ovumela umsebenzisi webhange ukuthi akwazi ukuzikhethela uma efuna ukukhokhelwa kwekhomishini yenziwe nguwe njengekhasimende elidlulisa imali noma eliyitholayo, noma ungathatha inkokhelo yalokhu. ingxenye, okusho ingxenye ngayinye, zonke izici ongazikhetha.

Ngaphezu kwalokho, kufanele uqaphele ukuthi inani eliphakeme olidluliselayo, liphakamisa amakhomishini, ngakho-ke, kufanele wazi ukuthi awukwazi ukuthembela emalini eyanele yokuthengiselana, kufanele uhlale une-slack ehambisanayo, ukuze ngale ndlela. ukuhlinzwa kungaba yimpumelelo.

Eminyakeni embalwa edlule isici esasinethonya elinamandla sasiyindawo lapho isikhungo sezimali sasikhona, uma sisendaweni efanayo noma ngaphandle, lokhu kwaba nomthelela omkhulu ekuqoqweni kwamakhomishana, noma kunjalo, lokhu kuyisici eminyakeni embalwa edlule. yayibumbene futhi namuhla akulona iphuzu eliwujuqu. Ngaphandle uma kuwumsebenzi webhange elingaphandle kwezwe, kulesi simo ikhomishini ehambisana nayo ingase ithinteke.

umehluko-phakathi-nokudlulisa-nokudlulisa

Omunye umehluko omkhulu phakathi kokudlulisa nokudlulisa ukuthi amakhomishini awakhokhiswa ngokudluliswa kwemali, kodwa esikhundleni salokho okudluliswayo kunamanani ekhomishini amakwe ngokusekelwe endleleni okwenziwa ngayo kanye namanani okusingathwa.

Umehluko omkhulu phakathi kokudlulisa nokudlulisa

Umehluko omkhulu uhlobene namaphuzu amane asemqoka, okuyilawa: izinhlangano ezingase zibambe iqhaza ekuqhubeni umsebenzi, ukuqoqwa kwamakhomishini, ukushesha kwenqubo kanye nethuba lokuba nemali engenayo yemali. Sizothuthukisa iphuzu ngalinye kulawa kakhudlwana ukuze ungabi nokungabaza:

Amabhizinisi okungenzeka ayabandakanyeka

Esimeni sokudluliswa kwemali, yinhlangano yezezimali efanayo kuphela ehilelekile ukuze ikwazi ukwenza umsebenzi, kungaba okomnikazi ofanayo noma omunye.

Endabeni yokudluliswa kwemali, ezinye izinhlangano zamabhange ziyabandakanyeka ukuze zenze umsebenzi, futhi ngendlela efanayo, kumnikazi ofanayo noma omunye.

Ukuqoqwa kwamakhomishini

Endabeni yokudluliselwa, akusho ukukhokhwa kwamakhomishini yiklayenti. Ngaphandle uma sikhuluma ngokusebenza kwezinkampani ezinkulu ezinamanani amakhulu, kulokhu kufanele unake ngokukhethekile.

Endabeni yokudluliswa kwemali, ikhiqiza inkokhelo yekhomishini esungulwe ibhange ngokuya ngezici ezihlukene ezifana nalezi: inkokhiso yenani lomsebenzi, indawo yendawo ukusuka lapho ukusebenza kwenziwa khona kuya lapho ithunyelwa khona , imodi noma ifomu lapho umsebenzi owenziwe khona kanye nezici zokulawula njengebhizinisi lasebhange.

Ukushesha

Endabeni yokudlulisa, njengoba sikhuluma ngama-akhawunti asebhange elifanayo, kuthiwa imisebenzi yenziwa ngokushesha noma ngokuphazima kweso.

Uma sikhuluma ngokudluliswa kwemali, lezi zinqubo zokudlulisa imali azenziwa ngaso leso sikhathi, ngakho-ke kuhle ukuthi uzibhalele ngokwakho ngokusekelwe ebhange lakho ukuze wazi izikhathi zokuthengiselana, cishe njalo zithatha amahora angama-24 ukuze imali ibonakale. .

Amathuba emali engenayo

Ukuze le nketho esimweni ukudluliselwa akakwamukeli lokhu kungenzeka. Esimeni sokudluliswa kwemali, ungafaka imali ofuna ukuyihambisa ngokheshi. Ukuthatha imali ezotholwa ehhovisi lebhokisi, futhi lokhu kuzobonakala emahoreni angama-24 kuya kwangu-48 ngemva kokwenza lo msebenzi.

Izinhlobo zokudluliswa

Manje ake sikhulume ngento engase ikuthande kakhulu futhi ibalulekile kuwe, yiziphi izinhlobo zokudlulisa esingazenza? Ikakhulukazi sinezinhlobo eziyisi-6 zokudlulisa esingazenza, esizokhuluma ngazo kancane ngezansi:

  • Okazwelonke: Okokuqala, sinalolu hlobo lokudluliswa kwemali okuhlanganisa konke okwenziwa ngaphakathi ezweni, konke lokho okubhekwa njengokukazwelonke.
  • Okwamazwe ngamazwe: Yilawo enziwe asuka ezweni lakini aya kunoma yiliphi elinye izwe.
  • Lezi ze-European Economic Area: Lezi yizo ezingenziwa ngaphakathi noma ngaphandle kwalokho okwaziwa nge-European Economic Area, okufanele ukwazi ngalolu hlobo lokuthengiselana ukuthi njengoba lusuka endaweni yokusebenza kwebhange, kunamakhomishini okushintshaniswa kwemali kanye indawo, ngaphezu kweqiniso lokuthi ukuthengiselana kungathatha izinsuku ezimbalwa ukuthi kusebenze.
  • Ibhange laseSpain: Kubandakanya konke ukudluliselwa okwenziwa yile nhlangano yasebhange, iqiniso elithakazelisayo ukuthi livumela ukwamukela cishe ngokushesha, ngakho-ke kungaqinisekiswa ukuthi uma imali idingeka ngokushesha, izotholakala. Lokhu kusebenza njengebhuloho phakathi kwezinhlangano zamabhange ezihilelekile, ngakho-ke uma ukusebenza kwenziwa kusetshenziswa lo mzila, kuzoba nokwanda okukhulu, ngoba kufanele kudlule ezindaweni eziningana ukuze kwenziwe ngendlela egculisayo.
  • Abangebona abahlali: Lolu uhlobo lokudlulisa olungenziwa futhi, njengoba amakhomishini ahlukene angakhokhiswa abahlali nabangewona abahlali, yilokhu okwaziwa ngebhange laseSpain ngokuthi "ama-euro angewona abahlali", ngakho Kufanele unake ngokukhethekile lokhu.
  • Ama-oda okukhokha phesheya: Lolu hlobo lokudluliswa kwezimali lubonakale ngenxa yobuningi babantu bakwamanye amazwe abangena kuleli, abokufika befuna ezinye izindlela zokuthumela imali emindenini yabo, kwenze amabhange abheka ezinye izindlela zokuqhuba lezi zinqubo kulaba bantu.

Yiqiniso, ukwenza lo msebenzi kusho amaphuzu athile okufanele acatshangelwe, njengokuthi: ukuze kwenziwe lo msebenzi, abantu abathumela imali kufanele babonise wonke amadokhumenti adingekayo ukuze bahlonzwe, ngaphezu kokuhlolwa kwesimo sabo sokuthuthela kwelinye izwe. , futhi Kubaluleke kakhulu ukuthi ibhange okufanele lidluliselwe kulo imali kufanele lihileleke nebhange elisuka kulo, ngaphezu kweqiniso lokuthi konke ukuthengiselana kufanele kugadwe ngokufanele imithetho kazwelonke neyamazwe ngamazwe.

Leli phuzu lokugcina ukugwema ukuthi imali edlulisiwe inomsuka wobugebengu noma yonke le nqubo inikezwa ukwenza imali ngokungemthetho, noma ukufihla izenzo zobugebengu, ngenxa yaleso sizathu, amabhange acela ulwazi oluthile mayelana nemvelaphi yemali futhi lowo muntu uthunyelwa kuwena.

Kungase kukuthakasele ukwazi ukuthi i-crowdfunding isebenza kanjani, Kungakho sikumema ukuthi uqhubeke ufunda lesi sihloko esikushiya kusixhumanisi esedlule, ngale ndlela uzokwazi ukwazi zonke izindlela zalo, izici nokunye okuningi. Ukuba nalo lonke lolu lwazi kungaba usizo kakhulu njengoba asazi ukuthi kunini lapho ubhekene nesimo esinzima futhi ukuvula umkhankaso womnikelo kungase kube ukuphela kwenketho yethu.

umehluko-phakathi-nokudlulisa-nokudlulisa

Kunezinhlobo ezahlukene zokudlulisa, kubalulekile ukuthi uzazi zonke ngale ndlela uzokwazi ukuthi yimuphi umsebenzi owenzayo ngesikhathi esithile. Lokhu kubalulekile ukuze wazi umehluko phakathi kokudlulisa nokudlulisa

Sikhuluma ngamakhomishini

Manje kungase kuthakazelise noma kudinge ukuthi wazi mayelana nokuqoqwa kwamakhomishini lapho wenza ukudluliselwa, ngoba lokhu kungumehluko phakathi kokudluliselwa nokudluliselwa, ngenxa yalokho sizozama ukuthuthukisa kancane kancane ipharamitha ngayinye ecatshangelwayo. :

Okwenziwayo mathupha

Lokhu kufaka phakathi zonke lezo ezenziwe ngqo emahhovisi amathikithi ebhange noma emagatsheni, cishe njalo lapho imisebenzi yenziwa ngale ndlela, ikhomishini ingu-0,20% yenani eliphelele lokuthengiselana. Kodwa-ke, uma kwenzeka inani okwenziwa ngalo umsebenzi lisho ukuthi i-0,20% ingaphansi kwama-euro angu-2, le mali izokhokhiswa. Ngakho-ke, singasho ukuthi ekusebenzeni okungaphansi kwama-euro angu-2.000, ama-euro angu-2 azokhokhiswa futhi amakhulu kuzoba ngu-0,20%.

Okwenziwayo ngamafayela

Ifayela laziwa njengohlelo lokusebenza olwenza izinqubo ngokuzenzakalelayo nebhange noma i-cashier, ngale ndlela, lisebenzisana ukuze zonke izinqubo zebhange zenziwe ngokushesha futhi kalula kakhulu. Lokhu kuwusizo kakhulu ikakhulukazi ezinkampanini, ezenza izinkokhelo zanyanga zonke kubahlinzeki noma zenze ukukhokha, ngale ndlela, zingasheshisa inqubo, ngakho-ke, kunconywa kakhulu uma lokhu kuyindaba yakho.

Ukuze kwenziwe lolu hlobo lokusebenza, ibhange licela ulwazi oluthile olufana negama eliphelele lomuntu ohlomulayo, inombolo ye-akhawunti yakhe, umqondo wokwenza ukuthengiselana kanye nenani elizongeniswa, bese kwenziwa uhlelo olufanele futhi kulokhu. ngendlela akumele ukhathazeke ngayo ngalokhu futhi, njengoba isistimu izenzela ngokwayo.

Nakuba lokhu kuzoncika ebhange lapho wenza khona lolu hlobo lokuthengiselana, ezikhathini eziningi ikhomishini iba ngu-0,10%. Kodwa-ke, njengasesikhathini esidlule, inani eliphansi kakhulu okufanele lidonswe ekusebenzeni ngakunye yi-euro eyi-1, ngakho-ke, kuyo yonke leyo misebenzi engaphansi kwama-euro ayi-1000, ikhomishini ye-euro eyi-1 izokhokhiswa futhi ezimweni eziphakeme uma izokhanselwa. inani elihambisanayo elingu-0,10%.

Ukuthengiselana kwe-inthanethi

Lokhu kungabangelwa izinketho ezintathu, indlela elula yokwenza ukudluliselwa, ngaphezu kokusetshenziswa kakhulu, hhayi nje ngenxa yokuthi inqubo ingaba wusizo kangakanani, ishesha futhi iphephile kangakanani, kodwa futhi ngoba inezindleko zekhomishana ezihleliwe ze-0,10 % kungakhathalekile inani lemali okwenziwa ngalo umsebenzi.

Ngokuvamile, wonke amabhange anamaphesenti afanayo okusebenza, kulezi singafaka: BBVA, Bankinter, Cajas Rurales, Deutsche Bank, Barklay, La Caixa, Bancaja, phakathi kwabanye.

Kubalulekile ukuthi wazi ukuthi okuhlukile kungahlala kukhona futhi kukhona ezinye izimo lapho ungasebenzisa khona iqiniso lokunciphisa inani lamakhomishini noma ngisho nokungakhokhi lutho, lokhu kuzoxhomeka kumqondo wokusebenza, iklayenti, phakathi kwabanye. . . Kungakho kungase kubaluleke ukuthi uhlole nebhange lakho uma kungenzeka ukuthi uyiklayenti lakho uthole okunye kwalokhu okuhlukile.

Sithemba ukuthi ngalesi sihloko sikusizile ukwazi wonke umehluko phakathi kokudlulisa nokudlulisa, noma kunjalo, ukuze uthole ulwazi olwengeziwe sikushiyela ividiyo elandelayo kuyo uzothola amaphuzu engeziwe okungenzeka asizange sibe nethuba lokwabelana nawe. , yingakho sikumema ukuthi uthatha amaminithi ambalwa futhi ungakubona ngeso lengqondo.


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