Izibonelelo zeMasipala: iNgeniso ngokumalunga noMthetho onyanzelekileyo

Ukwazi ukungafani phakathi kweeNqununu ezimbini zeeMali zeMasipala

Ngenxa yokuba yindlela yokwenza iidolophu, iinqanaba, kunye neendlela zokwakha iindlela, izikolo, izibhedlele, ii-airports, izixhobo zokuthuthwa kwamanzi, iindlela zamanzi kunye nokunye okuninzi, i - market bond free bond market. Nangona kunjalo, xa ukhangela uluhlu lweentengiso kunye nolwazi lwabo, kubonakala ngokukhawuleza ukuba akukho onke amabhondi kamasipala adalwe ngokulinganayo. Ngokuqhelekileyo, kukho iindidi ezimbini zamabhondi kamasipala: owokuqala ayaziwa njengezibophelelo eziqhelekileyo okanye iibhondi ze-GO, ezimfutshane; okwesibini ayaziwa njengezibophelelo zeRevenue.

Iimbopheleleko eziqhelekileyo kunye neentlawulo zeeRevenue zihluke omnye komnye ngokuba zinemithombo ehlukeneyo yokuhamba kwemali eya kuba nexanduva lokubuyisela abatyala-mali ababonelela ngenkunzi ukuba bakhuphe iibhondi. Ukukunceda ukuhlukanisa nokuqonda izibophelelo ze-GO kunye nezibophelelo zentlawulo, ndiza kuchaza ukungqinelana okukhulu apha ngezantsi, kunye nokuchaza ukuba yeyiphi na le mibini ikhethiweyo ngokuzikhethela. Oku kunokukunceda ukwazi ukuba uluphi uhlobo lwee-securities ozifakayo kwipotfoliyo yakho kwaye, ndiyathemba, kukuvumela ukuba ulale ubusuku ngobuncinane ngokuqonda ukuba ungubani.

Isibophelelo esiqhelekileyo kwiimali zeeMasipala

Ubanzi obubanzi, kwaye kaninzi lukhuselekile, uhlobo lwamaqhina kamasipala luyaziwa njengezibophelelo eziqhelekileyo. Ezi zixhaswa lukholo olupheleleyo kunye nekhredithi yomniki-mali, kubandakanywa namandla omasipala ukuba athabathe abemi bawo. Ukususela kwiidolophu ezincinci phakathi kwelizwe ukuya kwiindawo ezinzulu ezifana neCalifornia, izibophezelo zikamasipala ziyahlukahluka ngamandla ngokusekelwe kubemi, ukuhlaliswa kwabantu, kunye nokwahlukana koqoqosho lwabantu abemi kunye nokusebenza kwintsimi, kunye namanqanaba amatyala kunye nemibono yebhajethi. lombutho karhulumente okhupha izibophelelo.

Abahlalutyi abaninzi bezocalo-mali bahlula iimbopheleleko eziqhelekileyo zoomasipala kwiibhondi ezimbini:

• Iibhondi zeMiqathango yoLuntu oluMiqathango ongenamkhawulo: Ezi zibophelelo zikamasipala ziyaxhaswa ngamandla onke athathweyo. Iyakwazi ukusebenzisa iirhafu zepropati, iintlawulo zentengiso, irhafu ekhethekileyo kunye neminye imithombo yengeniso yokubuyisela izibophelelo, kunye nenzala efunekayo kubatyalomali.

• Iimali zezibophelelo eziMiqathango eziThatywayo eziNcinci: Ezi zibophelelo zikamasipala ziyaxhaswa ngamandla athile athathaka. Ngokomzekelo, idolophu inokudlula ibhondi yokwakha ibhulodi kwaye iyavumelana nokunyuka kwe-1 ¢ yentlawulo yokuthengisa kuyo yonke i-1.00 yezigidi eziveliswe kwimida yemida iminyaka emihlanu ukuhlawula ityala.

Kunyaka yonke edlulileyo, izibophelelo zomthetho kamasipala ziphakathi kwezona zibophelelo ezikhuselekileyo ezikhutshwe kwihlabathi. Igalelo elikhulu kulo khuseleko kukuba ininzi yale ntlobo yeebhondi yenziwa kuphela xa abahlawuli berhafu bevota kwiingxaki zobundlobongela. Oko kuthetha ukuba abantu bendawo bazinikele kwiinkcitho, kwaye zihlala zikhona izinto ezingaphezulu kwezinto ezaneleyo okanye amandla atyala abakhelwe ngolwimi lokuvota ukuhlawula abo batyalo-mali ababonelela ngemali.

Iimali zeeMali zikaMasipala

Ubhonkco bentlawulo ekhishwe ngumasipala yinto exhaswa ngumjelo othile weengeniso. Umzekelo:

• Isixeko singakha i-stadium okanye isikhungo sendibano kwaye kufuneka ihlawulwe iindleko zokusetyenziswa xa ibhalwa kwiikonsathi ezinkulu, iintlanganiso, okanye imicimbi yezemidlalo, kunye neentlawulo ezixhasa izibophelelo.
• Umasipala unako ukwakha isikhumulo seenqwelomoya kwaye uhlawule iimali kwiinqwelo-moya eziseqhankqalazweni, kwiivenkile ezikwindawo yokugcina, amagaraji okupaka abagibeli abasebenzisa ukupaka iimoto zabo, kunye nemirhumo esetyenziselwa ithikithi nganye yendiza ethengwa ngabathengi.

• Isithili sinokwakha isibhedlele, esiya kusebenzisa imali ngemisebenzi rhoqo, eqhubekayo yokuhlawula iibhondi.
• Izibhonkco zokuthuthwa kwamanzi zikhutshwa ngabomasipala ukwakha imigangatho yamanzi kunye nezibonelelo zonyango lokuthuthwa kwamanzi. Iibhondi zibuyiselwa imali yokusetyenziswa kunye nemirhumo yokuhlola.

Yiyiphi Eyilungileyo - Imimiselo Yomgaqo-siseko kaMasipala okanye iMali yeMali kaMasipala?

Njengoko impendulo ngezona zinto ezininzi ebomini, kuxhomekeke kwiinkcukacha zenkxaso-mboleko kamasipala oqwalasela ukuthenga okanye ukuthengisa, kunye nexabiso othe wangena kuyo. Nangona kunjalo, njengomgaqo oqhelekileyo, zonke izinto ezilinganayo, izibophelelo eziqhelekileyo zoomasipala zikamasipala zikhuselekileyo kwaye zingenakwenzeka ukuba zingagqibekanga kunezibophelelo zikamasipala. Isizathu, esele uqikelele kuso, kukuba umasipala unomthombo obanzi wemithombo yenkxaso yemali apho unokuyidibanisa xa ufumene engenakho ukwenza iintlawulo zenzalo okanye ukubuyisela imali eyayibolekwa ngayo xa ibhajethi ifikelelwe ngenxa usuku lokukhula.

Nangona kunjalo, ungathembeli kulo mgaqo kuba akusoloko uqinisile.

Ngaphandle kwalokhu, ungakulibali ukuba ukunyuka kwamaxabiso kungabakho utshaba olukhulu lwepotythifoli yakho kamasipala kunye nokuba unokufuna ukusebenzisa isicwangciso sekhontrakthi sakwa-likamasipala ukuba ukhathazekile ngekamva leenzala.

Khumbula ukuba xa ufakwa kwi -potifoliyo yokutshala imali egciniweyo eneempahla, i-real estate kunye nezinye izinto ezivelisa imali, izibophelelo zikamasipala zingaba ngumthombo omhle wokufumana umhlalaphantsi.