Ibhange lifaka imali. Amakhokheji ebhange ngabanye

Kungakhathaliseki ukuthi siyayithanda noma cha, izinsizakalo zebhange zizungezile wonke umuntu. Izibalo, izinkokhelo, izinkokhelo, ukudluliselwa nokunye okuningi manje kwenziwa yizikhungo zebhange.

Kodwa ngesikhathi esifanayo, amabhange ngokuyinhloko ahlotshaniswa neminye imikhiqizo yezimali. Ama-deposit kanye nokuboleka imali yizinsizakalo zebhange ezinesabelo esikhulu nesidingo esikhulu. Ngamunye wethu okungenani kanye empilweni yami wacabanga ngokuvula i-akhawunti yakhe yokulondoloza noma ukuthenga izimpahla ngesikweletu.

Uma unomthamo wemali ehlelekile futhi ufuna ukuthi angabeki nje ekhaya ngaphansi komcamelo, kodwa ukulethe imali engenayo, khona-ke uzobe ucabanga ukuthi ungakwenza kanjani.

Futhi, uma unezinga eliphansi lemali engenayo, awukwazi ukulondoloza kokuthenga okubizayo, uzocabangela ukuthi ungayithola kanjani imali edingekayo.

Amabhange azosiza ukulondoloza imali

Isixazululo kokubili amacala okuqala nesesibili singaba yimali ehlukahlukene yasebhange.

Ngemuva kobunzima bezezimali emhlabeni wonke, abaningi abethembi amabhange, bakholelwa ukuthi bazokhohliswa. Futhi lokhu akumangazi - ngempela ngaleso sikhathi kwakukhona amacala amakhulu ekuqashweni kwezikhungo zezezimali, ukungabuyiselwa kwemali yezimali kanye nezinye izenzakalo ezingathandeki ezikhawulelwe noma zaphule amalungelo amaklayenti.

Ama-deposit asevikelekile

Kusukela ngaleso sikhathi, idiphozi yasebhange iye yaba yingozi kakhulu. Ezingeni lesishayamthetho, izidingo kanye nokulawulwa kweBhange Elikhulu lezikhungo zebhange zanda kakhulu. Ngaphezu kwalokho, kukhona ukuqapha okuqhubekayo kokunikezwa kwemali kuzo zonke izikweletu ezikhishwe ngamabhange, ngakho-ke akukho simo esinjalo esibekwe ngesikhathi senkinga, lapho izikweleta zingabuyiswanga futhi, ngakho-ke, kwakungekho imali yokukhokha imali ngokukhokhwa kwamakhasimende.

Idiphozi ayikwazi ukutholwa

Kuyadingeka ngokushesha ukukhipha inkolelo yokuthi amabhange asebhange azokwenza kube lula ukuthola imali enhle kubanikazi babo. Izindleko zanamuhla zenzalo ekudonsheni akuzona ezingeni ukuze zize empeleni zenze imali ngemali yazo. Lokhu kungenzeka kuphela uma inani lediphozi likhulu ngempela - kodwa le ndlela ayifanele wonke umuntu, ngisho nalabo abanenzuzo ejwayelekile, abavami ukuba nethuba lokuqongelela inani elanele lemali.

Ezimweni zanamuhla, idiphozi yasebhange, kunalokho, indlela yokulondoloza imali eqoqiwe endaweni ephephile, kanye nendlela enhle yokubhekana nokuncipha kwenani lemali ngenxa yokukhuphuka kwemali. Akufanele uthembele okwengeziwe.

Izinhlobo zamadiphozi

Idiphozidi yokufaka imali emabhange inikelwa ezinhlobonhlobo ezahlukene ezahlukene. Kuzo zonke izimali zebhange zibizwa ngendlela yazo, kodwa ngokwemigomo eyisisekelo bonke bangahlanganiswa zibe yizinhlobo ezingu-5-6.

Kukhona kokubili izinhlinzeko zezinkampani zomthetho, kanye nokubeka abantu ngabanye. Izinkampani nezinkampani zinezidingo eziphakeme, futhi amanani entengo aphansi ngokwe-oda lokuphakama, ngenxa yokuthi amanani afakwe kakhulu kaningi ezingeni lika-ruble ayizigidi eziyi-1, futhi isikhathi sezinkokhelo ezinjalo cishe zingekho kwezinyanga ezintathu.

Amasheya asebhange aphuthumayo, isithakazelo esiphezulu phakathi kwazo zonke ezinye izinhlobo, yizona ezithandwa kakhulu. Ukunakwa okuvela kumakhasimende akumangazi, ngoba wonke umuntu ufuna ukuthola imali eningi ngangokunokwenzeka. Ngezinye izikhathi isithakazelo esikhulu singashintsha ikhanda lomuntu, futhi umuntu ulahlekelwa ukuqapha.

Uma uhlela ukuthi yiliphi ibhange elizofaka idiphozi yakho, ungakhohlwa ukuthi kunezikhungo ezinjalo ezingahle zilahleke kusasa. Ngokuvamile izikhungo zezezimali lapho izinto zingahambi kahle amakhasimende anezinga elikhulu lesithakazelo kumadiphozi ahluke ngamazinga amaningana kusukela ekuhlinzekeni kwamakethe okujwayelekile. Ukukhetha indlela engcono kakhulu yokubeka imali yakho, buza ukuthi yiliphi imali ebolekwa yibhange.

Izindleko eziphakeme eziphezulu kwidiphozi zingabonisa isimo esibi sezezimali

Isibonelo, uma isikhungo sinikeza isithakazelo se-30% kumadiphozi futhi ngesikhathi esifanayo ngaphansi kwemigomo yezinhlelo zezikweletu kuthatha u-35% njengekhomishini, khona-ke kukhona ithuba lokucabanga ngalo. Phela, la 5% empeleni ingeniso yebhange. I-gap encane kangako, ibhange elingaphansi lithola, ngakho-ke kungenzeka ukuthi ukuzinza kwezimali kungaphansi.

Akufanelekile ukusabela njengeqhawe le-cartoon, uMonty, kusukela ku-Chip car noDale, ozwa iphunga leshizi, waphonsa zonke izindaba zakhe futhi wawela emthonjeni wakhe.

Qhathanisa okunikezwayo okuhlukile kumakethe, thola isilinganiso bese uzama ukuziqonda ukuthi kungani ibhange elilodwa linikeza u-20%, kanti elinye - 30%. Isibonelo, ungagxila kwidiphozi kwidiphozithi yeSberbank, enikezela ngo-10% ngonyaka.

Ithemithi ebeka emabhange ingaba nelungelo lokugcwalisa, futhi ngaphandle kwalokhu kungenzeka.

Ngokuvamile, ukufaka imali ngaphandle kokulungiswa ukubalwa kubalwa ukuba khona kwemali eningi kumklayenti, ukuze ubeke njalo ku-akhawunti futhi ujabulele inkokhelo yenyanga noma yesikhathi esisodwa senzuzo. Muva nje, sekuyisimo esivamile sokuvula i-akhawunti yekhadi lapho ibhange lenza ukukhokha inzalo, okuzuzisa ebhange futhi elula kumnikazi we-akhawunti ye-deposit uma izindleko zokusebenzisa ikhadi elinjalo ziyizinga eliphansi noma likhulu kakhulu uma kuqhathaniswa nemali ekhokhelwa idiphozi.

Ungakwazi ukuqoqa for iphupho

Ama-deposit angahle agcwaliswe athandwa nalabo amakhasimende abangeke bakwazi ukusuka ngokushesha kusuka kubhajethi yabo imali enkulu yezimali ezingekho. Lokhu kungachazwa ngeqiniso lokuthi bayasiza ekuqoqeni ukuthengwa okuthengayo, ithikithi lezokuvakasha noma okunye okubizayo. Vumelanisa ukuthi ama-ruble angu-100-500 angahlehliswa njalo ngenyanga, alahle ikhofi eyedlulele, afune ukuhamba, ahambe ngetekisi. Ngesikhathi esifanayo ukuhlehlisa ngale ndlela phakathi nonyaka ungakwazi ukuqoqa inani elimnandi lokuchitha esitolo.

Ilungele ngokuphelele labo abaye bafuna ukuhamba uhambo olude, kodwa bebengakwazi ukulinda. Njengoba kuneminikelo enjalo, kuba lula ukuqaphela izinhlelo ezinjalo kubantu abanoba yingxenye yezinga elingenayo.

Ama-deposit angaba ngezimali ezehlukene

Kumele kuqashelwe ukuthi amasheya angeke abekwe kuphela ngemali kazwelonke. Ngokuvamile, ukufaka ama-ruble kunenani eliphakeme kakhulu lesithakazelo, njengoba kunenzuzo kakhulu ebhange ukusebenzisana neyunithi yezimali yaseRussia Federation, ukukhipha imali mboleko kuyo.

Izindleko zenzalo ezifakwe emaDola ase-US nase-euro ziphansi kakhulu kunezo ezivuliwe ngamaRubles aseRussia. Kuyasiza kakhulu ukuthenga amabhange aseBhange Elikhulu, bese uyithengisa emahhovisi abo okushintshanisa.

Amathiphu wokukhetha ibhange

Uma sicabanga ukuthi amazinga ezithakazelo ezivumelwaneni zediphozi zohlobo olufanayo kumabhange ahlukene afana okufanayo, khona-ke umbuzo obaluleke kunawo wonke uhlala mayelana nokuqinisekisa ukukhokhelwa kwezimali.

Futhi umbuso awukwazi njalo ukuthonya ibhange. Isivimbelo esibaluleke kunazo zonke sokuvikela ukukhwabanisa ngumuntu ngokwakhe. Ungathembeli imali yakho kulawo maziko ezezimali ezingekho ekuzwa. Amabhange, owodwa ngonyaka noma amabili, futhi, akakholelwa ngokukhethekile. Phakathi nalesi sikhathi kunzima ukuqonda ukuthi ngabe bahola inqubomgomo ephumelelayo noma maduzane "kuqhuma", isikhathi esithile kumele sidlule. Kulo magazini, akufanele ugijime.

Kunezinsizakalo zomshuwalense zokufaka imali ongayisebenzisa uma ufuna ukuthola izimali zakho.

Uma ufuna ukufezekisa ukuqinisekiswa okungaba ngu-100% ukuthi uzobuyisela imali emuva, bese uvele uhlukanise imali ofuna ukuyifaka ebhange elilodwa zibe izingxenye eziningana futhi uvule ama-deposit akhawunti ngamanani amancane, kodwa kumabhange amaningana. Lesi sixazululo siqinisekisa ukuthi imali yakho iyabuyiselwa imali, ngisho noma ibhange elilodwa lishayeka.

Futhi khumbula ukuthi lokho okunikezwayo okuhluke kakhulu ezimweni ezimakethe ezivamile endaweni elingayo, ngokuyinhloko ukugubha noma ukugembula kwanoma yiliphi ibhange, nokutshala imali yakho kuyo kungaphephile kakhulu.