Kuyini izimali

Ukufakwa kwezimali ngokubambisana kwe-deposit kungukubamba kwesithakazelo semali eyasungulwa ekuqaleni, ngokuqoqwa kwayo okuqhubekayo kanye nokwenyuka kwesithakazelo esilandelayo kulo lonke inani elitholiwe. Ngesinye isikhathi inqubo enjalo ibizwa ngokuthi inzalo ehlanganisiwe.

Ake sibheke ngokucophelela umbuzo wokuthi yiziphi izimali eziyinhloko. Le ndlela isetshenziselwa izakhiwo zebhange ezinhlobonhlobo zediphozi, kanye nenani lemikhiqizo yemboleko. Njengezici zezimali eziyinhloko kungenzeka ukuthi kunikezwe inzuzo ekhulayo ngaleyo ndlela. Ngokuvamile, inzalo ngale ndlela ithengiswa njalo ngenyanga noma ngekota, kepha izikhathi zingahluka. La maphuzu kufanele acatshangelwe lapho evula i-akhawunti, okungukuthi, lapho unquma ukuthi ufuna ukubeka ibhange lakho ngokulondoloza imali yakho. Esikhathini esivumelwaneni kulokhu, ubukhulu besilinganiso sesithakazelo, isikhathi sokukhula kanye nemigomo yokufaka imali, kufaka phakathi. Inzalo itholakala kuphela ngenani lezinsuku izimali ezazikhona e-akhawuntini yasebhange, kanye nemibandela yokukhokha inzalo yesikhashana kwidiphozi ngokusebenzisa ukunikezwa kwemali ekhona kakade ku-akhawunti.

Mayelana nalokho okuyinhloko, usuvele ufunde, manje singakusho mayelana nesikhathi. Ngokuvamile ziyizinkathi zesikhathi lapho inzalo isetshenziselwa khona izimali ezitshaliwe zokulondolozwa, ngokungeziwe kwesithakazelo esengeziwe. Amabhange abeka isikhathi sokubheka izimali ngokwawo, acabangela inqubomgomo eyamukelwe yokuqhuba ukuthengiselana nama-akhawunti amaklayenti.

Kubalulekile ukuthi uqaphele ukuthi kunezinhlobo ezahlukene zemigomo kanye nezinkathi zokwenza imali ezithakazelisayo. Okokuqala, sikhuluma ngesikhala sesikhathi esisodwa sentshisekelo. Kulesi simo, isithakazelo sitholakala ekupheleni kwesikhathi sokutshala izimali, ngaphezu kwalokho, kunikezwa ithuba lokunwebisa idiphozi kanye nezindleko ezengeziwe zenzalo. Uma sikhuluma ngemali yonyaka yentshisekelo, ngokuvamile kuvame ukukhuluma ngediphozi ezenzelwe iminyaka emibili noma ngaphezulu. Futhi inzalo ibalwa ekupheleni kwenkathi ngayinye. Ukusetshenziswa kwezimali kungenziwa ngisho nsuku zonke.

Usuvele uqonde ukuthi yikuphi imali eyinhloko yomnikelo, ihlala manje ukukhetha eyodwa noma enye uhlobo, ngokuthembela esikhathini sokutshala izimali. Kuvela ukuthi uma umnikazi wemali eqiniseka ngokugcwele ukuthi ngeke adinge izimali isikhathi eside, angazikhethela umnikelo ngemali yaminyaka yonke. Endabeni uma kungekho okuqinisekako okunjalo, kufanelekile ukukhetha ukufaka imali ngezikhathi zemali enkulu kakhulu.

Uma ngombuzo ukuthi yikuphi imali, konke kucacile, ke ake sichaze imithetho eyisisekelo okufanele siyazi uma ubhekene nediphozi yasebhange ngesici esifanayo. Uma ufunda iziphakamiso zamabhange kufanele uqaphele ukubiza imali, ngoba lezo zindleko zizuzisa kakhulu ngenani lentsha elingaphansi kunelabo abanamaphesenti ekuqaleni. Kodwa-ke, kuwubuwula ukukholelwa ukuthi inzalo ehlanganisiwe ihlale inenzuzo njalo. Kungase kubonakale ukuthi idiphozi nge-capitalism izokhipha imali encane, konke kuxhomeke kumgomo webhange kanye nemikhiqizo enikeziwe. Kumele kuqashelwe ukuthi izinga lokugcina ediphisini lingase liphakeme kakhulu uma inzalo ekhokhwayo ikhokhwa ekupheleni kwethemu, hhayi ngesicelo sekhasimende. Kwezinye iziphakamiso, izinga lediphozi lingase lithembele ekubambeni kwenzalo nesindlela sokukhokha. Amabhange amaningi aseRussia nakwamanye amazwe asekuyisikhathi eside ehlinzeka ngemali yokufaka imali, ngakho-ke akufanele kube nezinkinga ngokukhetha inhlangano efanele.

Manje uyazi ukuthi yimali eyinhloko nokuthi yiziphi izinzuzo ezinikezayo.