Uyini ofeleba yesibambiso kanye ofeleba nasithakazelo idiphozi?

Izinto zesimanje uhlelo yasebhange siqukethe amabhange amaningi. Amabhange ngaphezu esikhwameni salo ukusebenza kanye izimali ephakanyiswe, okungukuthi, bangakunaki imali. Ezikhona may khulula imithombo, kokubili izinhlangano ngokomzimba futhi esemthethweni, kodwa Luhambo ohlongozwayo umsebenzi futhi zenzalo encike ngqo kwi izindlela-yasebhange nemadlana. izinhlobo eziningi imali, kodwa kuzuzisa kakhulu iklayenti ubhekwa utshalomali lapho kukhona ofeleba nasithakazelo idiphozi. Ukukhetha uhlobo olufanele idiphozi, kudingeka siqonde ngokucacile lokho imali idiphozi kanye ofeleba nasithakazelo idiphozi. I imali idiphozi - lokhu kuwukwanda senani elingamathalenta inzalo enqwabelene. Ngokuvamile lapho wenza umnikelo akhawunti ehlukile idiphozi, okuyinto kunakwe futhi, isamba. Kuye ngokuthi izimo ngokufakwa deposit, isithakazelo angase akhokhiswe ekupheleni kwaleli gama nyangazonke, ngonyangantathu noma ngisho nakanye nje ngonyaka. Lapho enqwabelene isithakazelo imali idiphozi niyozenezelelwa lemali idiphozi, okuyinto ekupheleni kokubusa kwakhe ngeke zifakwe ku-akhawunti yamanje depositor sika. Isithakazelo ofeleba ngesikhathi idiphozi kubalwa isikhathi ngasinye kusekelwe lemali input kokuqala, ngakho musa ukwandisa nge sikhathi. Endabeni nokubekwa kwezimali kanjalo ithuba njengoba ofeleba nasithakazelo idiphozi icala isithakazelo hhayi nje ukungezwa lemali idiphozi, futhi abambe iqhaza ukubala ozayo. Ngakho, lapho kubalwa ngayinye elandelayo deposit lemali kukhuphuke ngo inani inzalo enqwabelene. Ngenxa yalokho, isithakazelo ibalwa njalo ngosuku ngaphezu isithakazelo, okwandisa kakhulu izinga iphumelela idiphozi. Yimali kwezinhloso zenzuzo ku idiphozi sibonga lesi sici futhi okungukuthi zimenyezelwe yibo bonke amabhange, okuyinto efanayo. uhlobo idiphozi.

Buhle umnikelo ngesithakazelo ofeleba - eliphakeme amazinga okuphila uma kuqhathaniswa ne iminikelo okhokhela gqwa isithakazelo. ukubekwa okunjalo semali esikhona amakhasimende inzuzo akhethiwe ngubani bengazimisele noma bengakwazi ukuthatha intshisekelo ngenyanga.

isithakazelo Lonyaka amanani ezifakwa ngesithakazelo ofeleba ngokuvamile ngaphansana ku ezifakwa ngesithakazelo ekhokhwa ekuvuthweni, kodwa ephakeme kunaleyo ku ezifakwa nge zenkathi eminikelo. Isizathu salokhu - ukuzethemba ebhange okwenza izimali kuyoba Sihlome ngesikhali olushiwo lemali inkontileka yesikhathi.

Ithemu deposit ukubekwa kuya ofeleba kwezinhloso zenzuzo iyashiyana ebhange, kodwa ngokuvamile isukela ngonyaka 1. Indawo idiphozi elifushane isikhathi okungukuthi zingenzeki ngoba ofeleba nesithakazelo kungaba kubi cishe alibonakali. Okuwukuphela ngaphandle - iminikelo nenani elikhulu kakhulu.

Ngokuvamile imali isithakazelo ngenxa Bank wasebenzisa isofthiwe senzeka ngokuzenzakalela, ngakho ukuqinisekisa ukubala ngokunemba akwenzi mqondo. Kodwa, uma uthanda, zingenziwa, kufanele kuthathe kuphela ku-akhawunti ukuthi accrual kwezinhloso zenzuzo okwenzeka nge ngosuku olulandela usuku idiphozi. Uma wayefisa, ungenza ngisho imali yayo. Ukuze wenze lokhu, ke ibekwe idiphozi benethuba replenishment kanye izinkokhelo inzalo ngenkathi. Enqwabelene futhi wakhokhela lemali kwezinhloso zenzuzo iklayenti ingakwazi ukwenza kokubili idiphozi umthamo wemvula, okuholela cishe uthole ofeleba efanayo isithakazelo.

Ngaphezu imali idiphozi futhi isithakazelo, kukhona into okuthiwa ofeleba mncane. Iphanorama iminikelo ke akuhlangene ne ethinta inhliziyo kakhulu imali amafemu kanye nezinkampani. ofeleba Izacile noma alanele kusho ukuthi inkampani uye waba ngokuyinhloko ngezithukuthuku izimali siqu, futhi ngezithukuthuku waboleka noma leveraged.