Bala ukuthi udinga ukulondoloza malini ngenyanga ukufinyelela inhloso yakho yezimali. Kuhlanganisa inzalo, isikhathi, nomudwebo wokukhula kwezinsizwa.
147,05 €
Ukonga Okudingekayo Ngenyanga
60
Izinkokhelo Zenyanga
5 years
September 2031
Usuku Lomgomo
8.822,74 €
Izinzuzo Eziphelele
1.177,26 €
Inzalo Eholiwe
10.000,00 €
Isamba Esiholwayo
Kubuyekezwe kokugcina:
Isibali Senhloso Yokonga
Inhloso yokonga iyinani elithile lemali ofuna ukuqoqa ngosuku olukhethiwe — noma ngabe yisikhwama sezimo eziphuthumayo, iholide, imoto, noma inkokhelo ephansi. Isibali sisebenzisa ifomu lemali ye-PMT (Inkokhelo) esezingeni, izinzwa ukonga kwakho kwamanje kanye nezinga lenzalo.
Ngokubhinqa kwenyanga, izinga laminyaka yonke lehlukaniswa ngo-12. Ukonga €200/inyanga ku-4% iminyaka eli-10 kuletha cishe €29,400 ezinzuweni, kodwa ibhalansi yokugcina ifinyelela cishe €36,800. Inzalo yengeza ngaphezu kwe-€7,400 — ngaphandle kwanoma yiziphi izimo ezengeziwe.
Izinga Lenzalo
Izinga elifanele lincike ukuthi ugcina kuphi ukonga kwakho. Yizihloso zesikhathi esifushane (kuze kube iminyaka emi-2), sebenzisa i-conservative 2–3%. Yizihloso zezikhathi ezinde (iminyaka emi-5+) nezokufondelwa, ungasebenzisa i-5–7%.
Amazinga okukhombisa a-2025: i-akhawunti yokonga ebhange 1.5–3.5%, i-money market fund 3–4%, izibopho zikahulumeni 3–5%, i-index funds 5–8% (isilinganiso sezikhathi, ingozi ephakeme).
Isikhwama Sezimo Eziphuthumayo
Abaceleli bezimali bakhuthaza ukwakha isikhwama sezimo eziphuthumayo sezinyanga ezi-3–6 zezindleko ngaphambi kokulandela noma yikuphi enye inhloso yokonga. Ikusivikela ezindlekweni ezingalindelekile ngaphandle kokudinga ukuphula ukonga isikhathi eside.
Setha inhloso ku-3× izindleko zakho zenyanga, isikhathi kuya ezinyangeni eziyi-12, ubheke izinzuzo zenyanga ezidingekayo. Isu elisebenzayo kakhulu wumyalo wokuma usetiwe usuku ngemuva kosuku lwamaholo — "zikhokhelele kuqala."
Amasu Awusizo
Umthetho we-50-30-20
50% ngezidingo, 30% izidingo, 20% yokonga. Uma umnikelo odingekayo udlula u-20%, nwebisa isikhathi noma wehlise umgomo.
Yenza ngokuzenzakalelayo
Setha i-oda elimile losuku lwangemva kosuku lokuhola — ngaphambi kokuba ube nethuba lokusebenzisa imali.
Ama-akhawunti ahlukene ngomgomo ngamunye
Gcina ama-akhawunti ahlukene ngemigomo ehlukene (isikhwama sezimo eziphuthumayo, iholide, imoto). Kulula ukulandelela ukuqhubeka.
Khulisa kancane kancane
Konke ukukhuphuka kwemali engenayo → khulisa ukonga ngokulinganayo. Ngisho no-€20/ngenyanga ngaphezulu kunomthelela omkhulu wesikhathi eside.
Faka kabusha izimbuyiselo
Ungayikhiphi inzalo — yitshale kabusha. Lawa amandla enzalo ehlanganisiwe.
Buyekeza njalo ezinyangeni eziyisi-6
Hlola imigomo yakho kabili ngonyaka. Lungisa amanani uma izimo zakho zishintshile.
Sisebenzisa indlela ejwayelekile ye-Present Value of Annuity (PMT). Izinsizwa zakho zanamuhla zikhula ngezinga elizinzile lentengo, bese inzuzo yenyanga edingekayo enza umehluko osasele ukufinyelela inhloso yakho ngesikhathi esimisiwe.
Sebenzisa izinga lentengo ngomnyaka elihlatshaniswa yi-akhawunti yakho yokonga, isifondale sezimali, noma i-akhawunti yokufondelwa. Ngo-2024–2025, ama-akhawunti okonga aseYurophu anikeza i-2–4% ngomnyaka. Uma ufondelwa ezimweni zezimpawu, isitimela esiqinile ngama-5–7% ngomnyaka.
Yebo. Uma ubeka izinga lentengo ku-0%, isibali sihlukanisa nje inani elisasele (inhloso ehle izinsizwa zanamuhla) ngenombolo yezinyanga. Lokhu kusebenziseka ezinhloso ezifushane zokonga ngaphandle kwentengo.
Uma izinsizwa zakho zanamuhla, nentengo ebhinqiwe, sezidlula inhloso yakho ngaphambi kwesikhathi esimisiwe, inzuzo edingekayo yenyanga ikhombisa i-€0. Izinsizwa zakho zizokhula ukuhlangana nenhloso ngazo ngokwazo.
Inzalo ebhinqiwe isho ukuthi inzalo yakho iholela inzalo. Isikhathi sakho eside nenzinga ephezulu, kakhulu lo mthelela. Inhloso ye-€10,000 ngaphezulu kweminyaka emi-5 ku-4% idinga ngama-€150/inyanga; inhloso efanayo ngaphezulu kweminyaka eli-10 idinga kuphela ngama-€68/inyanga.