Apho ukutyala imali encinane imali nendlela ukuzuza koku?

Ukuze uqiniseke ukuzimela zabo zemali, kufuneka babekele bucala imali encinane imali, oko kukuthi, ngosuku olunethayo. Le ukhetho Kungaba kuhle ukuba benze utyalo-mali, njengoko imali akayi nje kulala kwindawo ethile kwi emvulophini edroweni. Baya kuqalisa umsebenzi kumnini wayo. Kodwa lo mbuzo: "ukutyala Apho imali encinane imali?" Ngapha koko, imirhumo ngokuqhelekileyo kakhulu umxhelo. Kodwa utyalo ezincinane kwakhona ethandwayo, ngaphezu utyalo ezinkulu kanye.

deposit

Mhlawumbi eyona ndlela eyayithandwa yokwenza imali "umsebenzi" ezi iidipozithi. Ngokwenene, eli indlela kufunyaniswe ukuba kuthathwa ukuba uthembeke kanye neriskovannym. Ukuba kukho umbuzo malunga nalapho ukutyala imali encinane imali, ukhetho zokudipositha utyalo qatha engqondweni yinto yokuqala. Ukusuka kwiyantlukwano kwezindululo iqhutywe ebhankini, amehlo uyachithachitha. Kokuba kutshajwe iidipozithi, kwakunye nezo ukuba kwandiswe ngethuba lekota yedipozithi. Inzala ibalwa mhlawumbi ngenyanga okanye ngekota. Okanye angafumaneka ngumnini-akhawunti kuphela ekupheleni kwethuba apho dipozithi zadalwa. Phela, kufanele kuqatshelwe ukuba inzala kakhulu nangokuhloniphekileyo. yebhanki nganye unikeza ngokwayo, kodwa xa iyonke, i-avareji yeepesenti ezingama yi-11% ngonyaka. Ngoko ke, ukuba igalelo kuya kufikelela ku-100 lamawaka engange, ekupheleni womntu uya ngakumbi top 11 000. noko ukwanda elungileyo. Enyanisweni, iibhanki abaninzi imali izixa ezincinane - umzekelo eliwaka engange. Kakade ke, simele siqonde ukuba abaninzi abayi kuba nako ukufumana imali enjalo, kodwa kukho uqalisa ukusebenza lo mzekeliso Russian odumileyo - engcono kancinane nto.

ukuthembeka

Kakade ke, ukucinga malunga nalapho ukutyala imali encinane imali, abantu into yokuqala ukuthathela ingqalelo imiba efana ukuthembeka ibhanki. Ngako oko, ucinga iinketho eziliqela, sikhetha okuhle. Namhlanje kukho inani elikhulu imibutho ezinjalo, nangenxa kukhuphiswano eziphakamileyo, badla ukubamba iindidi sokunyuswa ukuba atsale abathengi. Noko ke, ukuthembeka kulo mzekelo - ngaphezu kwayo yonke enye into. Ngoko ke, ngaphambi kokuba ugqibe apho ukutyala imali encinane imali, kufuneka wazi ukuba ibhanki elungileyo kufuneka ube neminyaka emibini ubuncinane yaye iwonga esemthethweni. I eziphezulu ezintlanu iibhanki ezininzi Ndakholosa lizwe ziquka Sberbank, "VTB", "Gazprombank", "Bank Agricultural" yaye "Alfa-Bank".

"VTB" - iqabane mali ethembekileyo

Abantu abaninzi khetha enye yezi ndlela, bezibuza apho ukutyala imali encinane imali. "VTB" - ibhanki ukuba kufanele kuqatshelwe ingqalelo ekhethekileyo. Lo mbutho enoluhlu olubanzi kakhulu lweenkonzo malunga notyalomali. Kwaye oku kusebenza kuzo zombini lwemali kunye nemarike stock. Oku kunye izibambiso imicimbi, kwaye intengiselwano kunye iinketho kunye bazisebenzise, kwakunye nokubonelela ngokwazi ukufikelela norhwebo, kuthengwe yezabelo mali macala kunye nokuthengiswa yabo, kwakunye nokunye okuninzi. I-Bank usebenzisa izixhobo esiqinisekisiweyo nolusebenzayo kwaye unika inqubo engcono yolawulo lwe-asethi zayo. Uluhlu lweenkonzo ayipheli. "VTB" Kwakhona ukwenza iinkonzo labarhwebi, ukudala iimeko ezizodwa iinkonzo zayo kwaye ibanika kunye nokufikelela Forex ukurhweba imigaqo kuFeliks.

Securities and amatye anqabileyo

Asingabo bonke abantu ingcamango lokuvula i-akhawunti yebhanki uyibeke imali kuyo. Kwaye ukuba nifuna ezinye iinketho. A enye olungileyo ukutyala amatye anqabileyo. Hi ndlela leyi, abanye bade imali eziinkozo. Kodwa khetho pretty yingozi, njengoko ikhosi ezinxulumene kunye nesinyithi, kunokuba ezingazinzanga. Kwaye ngaphezulu. Amagugu kuyimfuneko ukuqinisekisa iimeko ezifanelekileyo, ngoko bangalahlekelwa kwekhono zabo. Ukongeza, le mali lwexesha elide. Kodwa ke, nangona kunjalo, iye yaba nempumelelo kunye nenzuzo. Akumangalisi iibhanki ezininzi kukho ekuthiwa-akhawunti metal - iintsimbi ezithengiweyo agcinwe khona. Kodwa izibambiso thile ngokwahlukileyo. Ukwenza igalelo nempumelelo, kuyimfuneko ukwazi ezichaphazela baviswa imixokelelwane kunye nezabelo. Ukuze wenze oku, kukho uthethwano. Kubalulekile ukuphawula ukuba izabelo zixabisa kakhulu kancinane (nokuba imali engange omnye), kwaye imali eninzi kakhulu (kuba amanye amaphepha ifuna amashumi amawaka eerandi).

utyalo-mali lwangoku

Ezi ziquka PAMM-akhawunti. Baye wabonakala akunjalo kudala eRashiya, kuphela nje kwiminyaka embalwa eyadlulayo. Nangona kunjalo, imali anokuzuzwa kule hlobo lotyalo umxhelo. Abantu abaninzi bamangalisiwe malunga nalapho ukutyala imali encinane imali kwi-Internet, weza ngenxa yalo. Umgaqo kukuba iimali-akhawunti jikelele abekwe abaxhasi beposi abucala kwaye ulawula imali specialist efanelekileyo (umrhwebi). Ekugqibeleni, ingeniso, kwaye yahlulwe phakathi kwabo bantu abaye esityalwe PAMM-akhawunti. iingenelo ezininzi. Okokuqala, imali phantsi kolawulo. Okwesibini, zingakotshwa ngokukhawuleza ukurhoxisa. Okwesithathu, unako ukulandela umsebenzi yomphathi. Kwaye okona kubalulekileyo - ungenza igalelo ezincinane, inzuzo, kuba nabani na uzame ngokwakho kweli shishini.

Iminikelo ngemizi

Umbuzo apho ukutyala imali encinane imali ngo-2014, akusekho ezifanelekileyo, njengoko bengena, 2015. ixesha esitsha ukuze bacinge ngekamva kwaye isigqibo sokuba zeziphi iminikelo ziya kuba luncedo ngakumbi ukuba nenze kulo nyaka. Ndimele ndithi ukuba abantu kwindawo enye ukuya utyalo-mali ezithile, kodwa abanye abantu - hayi. Apho ukutyala imali encinane imali Penza, umzekelo? I-real estate! It is a idolophu encinane, kodwa mvanje uye wakha ngenkuthalo. Icebo bekuya kuba ukuthenga isakhiwo kunye wayiqwenga. Okanye uzame ukutyala kuzo kwishishini. Ngokubanzi, indlela ukutyala, nangona ezindilisekileyo kakhulu, inani elikhulu. Eyona nto ibalulekileyo kukuba ukhethe ifanelekileyo ukhetho kunye pre-siqhelane yonke imigaqo.