Indlela ukuthenga amasheya "Ukulondoloza"? Kungenteka yini?

Phakathi nesibalo esikhulu izibambiso okwamanje ahlinzekwa emakethe yamasheya, yebo, isenzo "Savings Bank" angabhekwa ezikhanga kakhulu futhi ethembisa ngokuya inzuzo yabo futhi bandise Yiqiniso ukukhula. Ebona lesi sidingo, abaningi uyazibuza kanjani ukuthenga amasheya "Ukulondoloza".

Kungani "Ukulondoloza"?

Yiqiniso, kwenziwa abazothenga izibambiso ngenhla usuqiniseka ukuthi ukwenza utshalomali kwesokudla igazi labo azi ukuthi bazakuza, uzothola ithuluzi eliphumelelayo kokuqhuba ukuhweba imisebenzi.

Namkha kunjalo, njengawo nezinye izinhlangano zezimali, "Savings Bank" engasiqinisekisa ephelele ukuthi izinga isibopho uhlale njalo okusezingeni eliphezulu, ngoba kukhona ukuncika phezu eziyimbangela ku uwoyela negesi wemboni. Nokho, amaRashiya akazange adele ukulinga be nesithakazelo kanjani ukuthenga ukwabelana "Ukulondoloza". Futhi zonke ngoba izimo lokunamathelisa komnotho Russian kuya "uwoyela inaliti" ejensi ubonisa izibalo okuhle ngendlela engakholeki. Njengoba isibonelo, isimo esibucayi isimo ngo-2008, lapho kwakukhona nciphisa izibambiso, futhi nje konyaka isenzo "Savings Bank" kwaqala ukuvela e intengo, zalotshwa sonke isikhathi highs.

Yiqiniso, lezi zici ezingenhla eziyinkokhelo zihlanganisa umfutho ukuze lokho ukuze uqale ukuba abe nesithakazelo kanjani ukuthenga amasheya "Ukulondoloza". Nokho, akufanele sikhohlwe ukuthi ukuthengiselana ezimakethe zamasheya - ke njalo kunengozi ukuthi ngaphansi kwanoma yiziphi izimo, ukulungisiswa.

Ngakho, siphendukela ukucabangela esisebenzayo sendlela ukuthenga amasheya "Ukulondoloza".

Izici yokufuna izibambiso

Namuhla "sberbankovskie" amasheya ahlinzekwa ukudayiswa ngezindlela ezimbili: kukhona izibambiso elula ayethanda. Kulokhu, amasheya lokuqala ithengiswe ngentengo ephakeme. Yabo yesibili inzuzo amanga neqiniso ukuthi Sinike ilungelo ivoti.

Lapho angathengwa

Abantu abaningi bayazibuza mayelana lapho ukuthenga amasheya "Savings Bank" Russia. Njengoba omunye ongakhetha ukwazi ukunikeza exchange dolobha isitokwe.

Uma uke ngokuqinile wanquma ukuthenga amasheya "Savings Bank" (lapho ukuthenga kubo, ke awazi), kungase kube ukuhlakanipha ukuba OTC ezimakethe. Abanye abantu bakhetha ukubhekana ngqo umkhiphi noma yizinkampani ezizimele.

Nokho share abahwebi sengonyama kanye zimali ukuyisebenzisa ezimakethe zamasheya ngoba ubanikeza isiqinisekiso yokuvikela enkohlisweni nokutshontshwa kangcono imigomo kunalawo anikezwa "Sberbank".

Labo abafuna ukuthenga amasheya ka "Savings Bank" futhi hlangana nabo ozokwenza lokho ngaso sonke isikhathi, indawo ungcono ezimakethe zamasheya, akunakwenzeka ukuncoma. Nokho, lokhu akusho ukuthi kufanele singasinaki ezinye izinketho ezisekelweni ukutshala imali yabo izibambiso "Savings Bank". Izinzuzo Stock Exchange - okungukuthi okhangayo zamanani inqubomgomo kanye elilungile lobulukhuni nobungozi.

Nalapha futhi, uma nje waqala ukubhekana ibhizinisi oshiwo ngenhla njalo, umbuzo malini ukuthenga izibambiso, ukubaluleka uthishanhloko ngeke babe. Kungani? Yebo, ngoba uthuthukisa kuphela emakethe, ukuthuthukisa isu yabo futhi kumelwe sinqume ukuthi singakanani imali ukutshala ngeke sibe ngumthwalo kuwe.

Uma uhlose ukuba uthole ngokudayisa a handsome inzuzo, umbuzo bangaki izibambiso Uthenga kanti ngezikulu ukubaluleka. Kungenye into ukuthenga ukwabelana kweshumi, futhi ngemva kwesikhashana zabo ezibizayo ukuthengisa "kancane" ocebile a. Enye into, uma ziya ukuthengiswa "sberbankovskih" izibambiso okuzuza abalulekile inzuzo utshalomali. Ukuthatha ku izinga lokwehla kwamandla emali akhawunti nezinye izici ezilimazayo, imali kuzozwakala endabeni yokufuna iphakethe omningi amaphepha.

Thenga ukwabelana "Ukulondoloza" emakethe yamasheya - lena umsebenzi nsuku zonke zimali abenza ukuthengiselana yentengiso asethi uchwepheshe isisekelo. Bakwazi ngobuciko sihlanganise abadayisi utshalomali, futhi umphumela waba ukuthi imali eyiphinda zabo kabili. Nokho, lokhu akusho ukuthi Wabasaqalayo abakwazi impumelelo efanayo emkhakheni ngenhla. Into esemqoka - ukunquma ngamasu inzuzo.

ngabasebenzi

Abaningi baseRussia unesithakazelo okungaka umbuzo kungaba Kungenzeka ukuthenga ukwabelana "Ukulondoloza" isimiso, njengoba indlela yokuthola ukufinyelela yokuhweba ye-stock exchange.

Kumele kuqashelwe ukuthi le njongo kukhona Institute of amasevisi Brokerage. Ngubani broker futhi wenzani? Le nhlangano, ogxile ilayisensi lokufeza ezithile amasevisi, isiqondiso kanye nenani okuyinto ngokuvamile kunqunywa ngamunye. Indlela ukukhetha broker okunokwethenjelwa? Okokuqala unaka bangaki amaklayenti awusebenzelayo nezimali ngawo yobuningi bomsebenzi.

Cabanga futhi ukusebenza isikhathi esingakanani inhlangano ezimakethe zamasheya bese lokho negunya lakhe technical support. Njengoba nomdayisi okunokwethenjelwa batusa "RosEvroBank", "Troika lengxoxo" noma "Finam".

On the esisebenzayo ukugcwaliseka ukuthenga amasheya

Inqubo langempela kokuthenga amasheya "Ukulondoloza" ilula ngokwanele. Okokuqala, ozichazayo ukukhethwa broker, bese ungenwa nabo amasevisi, bese uvula i-akhawunti Brokerage. Khona-ke ungenza imali futhi afeze ukuthengiselana ezimakethe zamasheya.

Hlahluba okuzayo

Yiqiniso, stock market "ukuphila" ngokusho ezithile imithetho ukuthi ukucacisa kwaneliswe isidingo, ngakho-ke, ukuze azi okungenani cishe kwempahla Yiqiniso Kusengenzeka. Kufanele futhi ukuthi ukuze kutholakale ukuthi bavuke noma bawe intengo izibambiso, kufanele uhlole ezicini eziningana. Lokhu ochwepheshe bazibandakanye ngesisekelo idatha yomsebenzi osizayo kanye cwaningo ayisisekelo.

Abahlaziyi axutshwa

Njengoba yokuqagela ngokuqondene izibambiso "Savings Bank", kukhona uchwepheshe umbono diverge. Omunye abahlaziyi bakholelwa ukuthi izingozi ezihambisana ukuhweba ukuthengiselana ngamasheya mkhulu kakhulu, futhi intengo banayo okwavunyelwana ekukhuleni kwayo esiphezulu. Kulokhu, inani izikweletu sekwephuzile ukuthi ubhekene nenkinga yezimali kwandisa amalungiselelo ukunciphisa ukulahlekelwa kwezimali. Lezi zici, ngokombono wabo, ngomqondo ongathandeki ngokuya elikhangayo lesikhungo credit.

Enye ingxenye ochwepheshe sithambekele kulokhu kucabanga ukuthi ukuhweba Amasheya "Savings Bank" kungaletha impela inzuzo handsome. Bayaqiniseka ukuthi bangathembela kwalabo abaye bakhetha yokutshala imali isikhathi eside isikhathi iminyaka efinyelela kwemithathu. Ochwepheshe ukugcizelela ukuthi "sberbankovskie" izibambiso emakethe namanje phansi, ngoba intengo yamasheya kungazange kufinyelele ilitshe ruble 170, okusho ukuthi namuhla - a utshalomali inzuzo.

Ngandlela-thile, kodwa olunembile izibikezelo nendlela behave izibambiso "Savings Bank" esikhathini esizayo, akekho anikeze is hhayi ixazululwe.

Indlela ukuthenga amasheya "Ukulondoloza" kusukela umkhiphi uqobo

Abantu abaningi bayazibuza kanjani ukuthenga amasheya ngokusebenzisa "Savings Bank" futhi kungenzeka? Yebo, noma kanjani, kukhona ithuba. Ngingayithola kanjani ukuthenga amasheya "Savings Bank" ngenhla indlela? Kulula kabi. Uze uMnyango nesakhiwo zezimali kanye esikweletu bangena esivumelwaneni naye amasevisi Brokerage. Lokhu yasebhange cishe eyishumi nanhlanu edlule a egcwele futhi esisemthethweni ilungu isitokwe Ukuhwebelana. Inkontileka amasevisi Brokerage enikeziwe into ikhasimende noma ngasiphi isikhathi ukuthola noma bachithe ukuvikeleka kwamasheya isakhiwo sezimali ngenhla ngaphansi kwazo. Ubheke uchwepheshe nomdayisi futhi intando eMpumalanga ungakuthola kanjani ukwakheka investimenti kwaba inzuzo.

isiphetho

Ngithanda ukugcizelela waphinda ukuthi ukwenza ukuhweba kwemisebenzi izibambiso "Savings Bank" - lokhu okungukuthi impela okuyingozi uhlobo lwebhizinisi.

Yiqiniso, isakhiwo sezimali ngenhla has ngezinga eliphezulu of ukuzinza nokwethembeka. Nokho, akufanele sikhohlwe ukuthi ezingeni inzuzo lamasheya yayo futhi ehla enyuka.

Kubalulekile ukufunda indlela ukuqapha imakethe Dynamics futhi njalo sihlaziye isimo uhlelo yasebhange ezweni lethu, okuyinto evame kakhulu ukushintshwa. Ngaphezu kwalokho, "Savings Bank" njalo iphendula ukwehla of the ruble nokuhlale unyathela amabhuleki, izinqubo sokukhula komnotho. It kufanele kube impoqo acabangele iqiniso lokuthi "emaphakathi yasebhange" ehlelekile "ukuhlanzeka" uhlelo, sokwesulwa amalayisense alithembekile credit izikhungo, okuyinto ngokuvamile ungahambisani umthetho. Yingakho, ngaphambi kokuba wenze investimenti, ahlole ngokucophelela zonke "kochwepheshe" futhi "nebubi."