Yiziphi izici zokuhweba esizithola zinzima kakhulu futhi ngani?
Njengoba abathengisi abaningi beqala ukuzivumelanisa nomsebenzi wabo omusha wokuhweba bazohlangana nezithiyo eziningi ohambweni lwabo olubheke “ekukhanyiselweni komhwebi”. Izithiyo eziningi ababhekana nazo zibekwa lapho zodwa; ukuhaha nokwesaba ukuba yizinto ezimbili ezisobala kakhulu. Kepha kukhona uhlu lwezinye izithiyo abadayisi abasha abazobhekana nazo futhi badinga ukuzinqoba ukuze bathuthuke. Ukuphelelwa yisineke kokuphishekela umsebenzi wabo omusha ongawuthola kungadala izici ezonakalisayo ezingalimaza kakhulu inqubekela phambili yabathengisi, eboshwe ngengozi eyeqile le cocktail eyingozi ingalehlisa abadayisi nama-akhawunti ngesikhathi sokurekhoda. Izici eziningi zokuhweba esikuthola zinzima zingalungiswa kalula ngezikhumbuzi namacebo ngabeluleki, noma kunjalo, ezinye azilula kangako ukuzinqoba…
Ukuhaha
Ukucindezela ukuhaha njengoba abathengisi kungabonakala kunzima, ikakhulukazi uma abathengisi bezicelo zasendle abaningi bezobona bephoqelelwa kubo ngezikhangiso, noma ezinkundleni zokuhweba, lapho abathengisi ngabanye bezoziqhayisa ngokuthi "kubuya amaphesenti ayishumi ngosuku". Isizathu esenza ukuthi abathengisi bangene kulo mkhakha ukwenza imali. Akukho ukucubungula noma ukuhlangana okudingekayo; abadayisi bafuna ukuthatha imali eningi ngangokunokwenzeka emakethe ngangokunokwenzeka. Abazimisele ukushintsha umhlaba, noma “ukwenza okuhle”, bakulo ngenxa yezizathu 'zobugovu' ngokuphelele. Kepha ukuhaha okungalawulwa okungalawulwa kungaba yisici esonakalisayo ngokumangalisayo kumhwebi. Indlela elula yokuvimbela ukuhaha ukubeka imigomo enengqondo futhi ebaluleke kakhulu ongayifinyelela.
Mhlawumbe ukukhula kwe-akhawunti okungu-100% (okungafakwanga) ngonyaka kufanele kusethwe njengokuqondiwe okungafinyeleleka kumthengisi futhi umhwebi kufanele adabule inqubo 'emuva' ukuze afike kuleso sibalo sokukhula esingu-100%. Isibonelo, abathengisi bangaba ne-akhawunti ye- € 5,000, ngenhloso yokuyiphinda kabili. Ngakho-ke ukukhula kwe-100% ngonyaka kufinyelela ekukhuleni okungu-8% ngenyanga, cishe ukukhula okungu-2% ngesonto. Lapho abathengisi bekhipha imali ebuyiswayo kusuka ngonyaka kuya enyangeni kuya kusonto lonke bangathuthukisa umbono ongcono wokutholakala. Futhi ukukhula kwe-akhawunti okungu-100% akuyona nje into ebhekiwe engafinyeleleka ekukhuleni okungaba ngu-2% ngesonto, kepha kuyimbuyiselo engabeka abathengisi abazuza leli zinga phambili kakhulu kuningi lontanga yabo abalahlekelwa yimali ngokungaguquguquki.
Fear
Yini esiyesabayo lapho sihweba? Ukwesaba noma ukulahlekelwa yimali, ukwesaba ukulahlekelwa ubuso, ukwesaba ukwenza izinqumo ezingalungile, ukwesaba ukufaka umzamo omkhulu ukuze ibhizinisi lethu lihluleke ekugcineni? Ake sibheke lezi zodwa futhi sizame ukuqeda iningi lalawa maxhala. Okunye kokuzivocavoca ukuze unqobe lokhu kwesaba ukuhlukanisa futhi ubhekane nakho ngqo.
Kunesiqiniseko esisodwa ngokuphelele ekuhwebeni; sizolahlekelwa yimali njengabahwebi. Ezigabeni zethu zentuthuko, ngenkathi lonke ulwazi lokuhweba lusha kithi, lokhu kungalimaza njengoba kungukuhlangenwe nakho okusha ngokuphelele kithi. Kungenzeka ukuthi silahlekelwe yimali ngaphambi kokugembula ngomphumela womjaho wamahhashi, amaphuzu omdlalo webhola, lapho sivakashele izivakashi ekhasino, kepha asikaze sibeke imali engcupheni yemali ukuze sibone leyo mali khula. Ukwesaba ukulahlekelwa yimali, lapho abathengisi beqala uhambo lwabo, kungaholela ohlotsheni 'lokukhubazeka kwabadayisi' okuthinta kakhulu intuthuko yethu. Kepha abukho ubuso obulahlekile ekuhwebeni, nguwe kuphela nomthengisi wakho. Imiphumela yakho ingeyakho uqobo njengoba ufuna ibe njalo.
Ngokuqondene nokwenza izinqumo ezingalungile lokho futhi kuyingxenye engenakugwemeka yenkinga yomthengisi. Abahwebi benza izinqumo ezingalungile, ngaso sonke isikhathi. Uma siqinisile ngamaphesenti angamashumi ayisihlanu esikhathi esibe esehlukile, abathengisi kufanele bamukele ukuthi ukwenza iphutha kumane kuyingxenye yentengo yokwenza ibhizinisi kuleli bhizinisi.
ukungabi nasineke
Ayikho indlela esingashesha ngayo noma seqe izingxenye ezithile zentuthuko yethu yomhwebi futhi wonke umhwebi ngamunye uzoba nesilinganiso sesikhathi esihlukile abafunda ngaso. Njengasempilweni abadayisi abathile bangaba ngabafundi abasheshayo, abanye bangahamba kancane. Kepha okuqinisekile ukuthi abathengisi abaningi bazodinga ukuhlupheka futhi bakhuthazelele okuhlangenwe nakho okuthile ukuze babe umhwebi owazi kahle futhi onekhono.
Abahwebi kungenzeka babonile izinkombandlela nezeluleko kumawebhusayithi ahlukahlukene nezithangami eziphakamisa ukuthi kungathatha iminyaka emine ukuze babe nekhono futhi babe nenzuzo, abanye bazosho isigamu saleso sikhathi, njengokuhlangenwe nakho komuntu siqu okukhulu akunakwenzeka ukubeka isilinganiso sokuthi kuzoba isikhathi esingakanani thatha abadayisi ukuze babe nenzuzo. Nalapha futhi mhlawumbe kufanele sisondele ekuphelelwe yisineke ngakolunye uhlangothi bese sinquma (uma sesizinikele ngokuphelele ekuhwebeni) ukuthi sizohlala nayo isikhathi eside njengoba kuthatha. Kungaba unyaka, emibili, mhlawumbe kuze kufike kwemihlanu, kodwa lokho esingeke sikwenze ukunamathisela isikali sesikhathi. Asikwazi ukusheshisa lokhu okuhlangenwe nakho komuntu siqu, futhi iningi labadayisi abaphumelelayo lizohlala libhekisela ekulinganisweni, mhlawumbe bazokhipha ukuthi "kuthathe cishe. Iminyaka engu-4 yokuba nekhono futhi ibe nenzuzo ”. Ngeke basho; Iminyaka emi-2 izinyanga ezinhlanu neviki elilodwa.
Risk
Kungani kuthatha isikhathi eside ukuthi abathengisi bakwamukele lokho, ukuze baphumelele, ukuphathwa kwemali kubalulekile? Ngaphandle kokungabaza enye yezinto abathengisi abakuthola kunzima kakhulu ukuzitholela ikhanda labo kuyingozi. Futhi kuzovela ukuthi, noma kunjalo abathengisi abaningi batshelwa kanjani ukuthi kufanele babe sengcupheni engaphezulu kwe-X kuphela ye-akhawunti yabo, iseluleko asinakwa. Singayibeka kanjani ngamafuphi; Ngabe ufuna ukuba nosuku olubi impela bese ubheka i-akhawunti yakho bese ubona ukuthi ulahlekelwe yibhalansi ye-akhawunti engamaphesenti amabili kuphela, futhi ngosuku oluhle lokuhweba izinsuku ezimbili zilandelana ngemuva kwalokho ungazithola u-2% ulungile, noma ufuna wenze ukulahleka okukhulu kangangokuba i-akhawunti yakho ingathatha amasonto, noma izinyanga ukubuyisa?
Sibhale izinto ezine zokuhweba abathengisi abaningi abakuthola kunzima ukuzijwayeza: ukuhaha, ukwesaba, ukubekezela kanye nobungozi. Abafundi bazokwazi ukuthi intambo ihamba ngezici ezine ezihlukene; konke kuhlangene futhi kuhlobene ngandlela-thile. Umlayezo jikelele okulesi sihloko ungowokulawula; lawula ukuhaha, ukwesaba, ukubekezela kanye nobungozi futhi uzinikeze ithuba elihle kakhulu lokuphumelela.
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