Yintoni idipozithi ebhankini? Indlela ukuvula idipozithi inzuzo ebhankini

Olu hlobo luqhelekileyo mali kumazwe amaninzi ehlabathini lonke - yinto ifakwe kwibhanki, ekuthiwa ukubizwa idipozithi isigama kwezoqoqosho. Oku kukhetha kungenxa kuphuhliso ngokukhawuleza okukhawulezileyo koqoqosho kunye notyalo-mali. Yintoni idipozithi ebhankini, yaye kutheni zithandwa kangaka? Ubukho kalula ngoko nangoko kwaye le ndlela zotyalo-mali, ulondolozo kunye nokwandiswa mali umdla ngabemi abaqhelekileyo. Kodwa bambalwa abantu ngenene ukunika impendulo alupheli lo mbuzo, yintoni na imali ebhankini. Kwaye ke sisiseko nokubhala kwezoqoqosho.

Yintoni kubizwa ngokuba ifakwe kwibhanki?

Idiposithi - oku kuthunyelwa ebhankini ukuba ipesenti ethile imali efakwe. Emva kwexesha elithile imali kufuneka ibuyiselwe. Yintoni idipozithi ebhankini? Yinto imali nje. Vlad abe izibambiso, iziqendu, iintlawulo, amatye anqabileyo, kwaye real estate. Nokuba ngaphandle kolwazi oluthile kwezoqoqosho kunye utyalo-mali, kulula ukuba esweni imeko kwimarike ukuze bazazi izinto ezahlukileyo ezichaphazela imeko yemali mmandla. Ibiya kuthetha ukuba yonke into ilula: kufuneka wenze isixa efunekayo ebhankini ekhethiweyo, ulindele nje ukuba umhla ukuqokelela umdla. Abatyali, ngokuba ubukhulu becala, kufuna ukuba bazimisele yeenkonzo ezinikezelwa kubo, equka umyinge wenzala ingatshintshanga. Kuthetha ukuthini? Le ndoda ifuna ukuba abe iidipozithi zebhanki nenzuzo, oko kukuthi, ngexesha elifanelekileyo ukufumana isixa esipheleleyo, kubandakanywa inzala, esibonakala yi ngeniso. Le ndoda eziqhelekileyo ezitalatweni awunamdla imiba yezoqoqosho kunye neendlela. Kungenxa yoko le nto iidiphozithi athandwa kakhulu kwaye wanobungangamsha.

Umphumo emali

Ukuba umntu izicwangciso ukusombulula zonke iingxaki zakho zemali kunye ngoncedo umnikelo, ngoko iza kulindela ukuba ukuphoxeka. Ngokomthetho phantse yonke ibhanki inikeza umyinge wenzala ngaphantsi kancinane kune okanye ilingana kwizinga lokwenyuka kwamaxabiso. Kuthetha ukuthini? Ukuba ugqiba ekubeni ukuvula idipozithi ebhankini, ngoko yazifumana zilindile, ukuba ukunyuka kwamaxabiso "uya kudla" phantse zonke iingeniso. Ngokuqhelekileyo, le ifakwe kwibhanki nga kakhulu isantya inkqubo, kodwa ezintweni kwenkunzi esele dipozithi semxholweni. Kodwa musa ukunikezela iidiphozithi ibukele kubo. Uninzi noosomashishini elidlulileyo kunye nempumelelo kunye nabatyali-thile ubambe yinxalenye ikomkhulu labo ngohlobo iidiphozithi yebhanki. Kulo mzekelo, ukhetho olunjalo isuke yi icebo lotyalo-mali, nto leyo equka imingcipheko okulindelekileyo kunye kusenokwenzeka imbuyekezo. Njengoko iyaziwa, ifakwe kwibhanki - le yenye yeendlela ikhuselekileyo ukutyala imali.

In ezininzi kumazwe aphuhlileyo kukho imibutho ezizodwa mali, nto leyo ke guarantors ze imbuyekezo yotyalo kubaxumi xa kuthe kwakho ukusilela yebhanki. Lo mba kufuneka ingqalelo abatyali abo basandula kuqalisa. Phambi kokuba uthwale imali yakho ethile, kufuneka uqonde kakuhle ukuba imizi egcina imali, utyalo-mali, iidiphozithi, funda amanqaku umdla mveliso, ukuze aqhelane equity olucetywayo, umyinge wenzala kunye ngokwemimiselo yesibambiso. Nayiphi na ingcaciso eyongezelelweyo iya kuba luncedo ekubunjweni portfolio zakhe zotyalo-mali.

deposit Call

Kukho iindidi ezimbini yesibambiso yebhanki - needipozithi zexeshana kunye nemfuno. Umongo oku kukuba ukurhoxisa imali kwi-akhawunti kuba phantse naliphi na ixesha. Nangona kunjalo, kukho ethile ebonakalayo inkqubo enjalo - umyinge wenzala iphantsi kakhulu. Kungenxa yoko le nto kusifikeleyo oku hlobo idipozithi ayamkelwa kwaye lutho.

deposit elithi

Olu hlobo lotyalo-mali lubonakala ngokuba ephezulu inzala. Inzuzo kule meko ixhomekeke ixesha igalelo kunye nemali. Le imali ekhoyo ngakumbi ukuya ebhankini, kokukhona kuya kuba ipesenti yenzuzo. Yintoni idipozithi ebhankini ixesha elithile yaye ziziphi na bawo? A ethile ebalulekileyo kukuba ukurhoxisa imali nanini na, wena awukwazi. Yaye ngaba kunokwenzeka ukuba azalise kunye nemali efakwe. Kodwa ke ngokwalo nokubekwa zezona ngokubanzi - ukusuka kwiintsuku ezimbalwa ukuya kwiminyaka. Ukutsala abathengi iibhanki baza ukulalanisa. Eyona nto ibalulekileyo kukuba oko kuvunyelwa ukuba isixa esithile sedipozithi, kodwa umise umda ethile. Umlinganiselo wenzala iya kwahluka ngedipozithi elide, kodwa ubuchule uyitshaje.

Currency deposit nokubekwa

Namhlanje, kulula ukwenza utyalo-mali ngendlela iimali kwihlabathi eyahlukileyo kakhulu. Nakuba kunjalo, kuzo zonke mazwe, iidiphozithi ethandwa lwemali yesizwe, i-euro US dollar. iidipozithi amazwe ngokuqhelekileyo kufuneka inzala ophantsi kwaye, ngenxa yoko, imali engaphantsi. Ukuza kuthi ga ngoku, popularity ngakumbi wazuza iidipozithi multicurrency. Bona luphawulwa kuthathelwe ingqalelo ukuba imali ngasinye ngokwahlukeneyo. Ngokubanzi, ezifana iidipozithi ezo kwakheka kwi isiseko idipozithi bahlangabezane - kuthathelwa ingqalelo nonentsalela nonobuchule uyitshaje. Eyona Ukugunda kakhulu ke uguqulelo kolunye lwemali ngezinga yangoku nibonisane kwimarike ozalwa ngayo. Inzala iidipozithi kwimigangatho kunye umsebenzi ofanayo idla ezikhethiweyo ngamnye kumntu ngamnye. Oku kwenza multi-igalelo ethandwayo phakathi eyabarhwebi, abarhwebi nabathengisi kwiimarike exchange angaphandle.

Umlinganiselo wenzala kwidiphozithi ebhankini

Ukuze kwakhiwe i-investment portfolio kuyimfuneko zokuqonda iikhonsepthi esisiseko. Kukho iindidi ezimbini kwesantya senzala - ezidadayo, zalungiswa. Owokuqala ingatshintsha phantsi kweempembelelo amaziko karhulumente zemali, ezilawula imarike. Oku kwenzeka kwimeko of accounting ngenxa yezizathu ezahlukeneyo - zezoqoqosho nezopolitiko. Ireyithi esisigxina ibekwe ngqo kude ngexesha wokutyikitywa kwesivumelwano ekuqaleni kwexesha kwaye iya kuhlala injalo lonke ixesha lesiphelo. Xa lencopho ibhanki kufuneka aqinisekise ukuba loo mali ubuncinane, kodwa ngokukhethekileyo ukuqikelela inqanaba ingeniso cishe akunakwenzeka.

Kuyimfuneko ukuba ukukhankanya amagama afana "nobumba". Oku kuthetha ukuba imali ezi bhasari, uya kuthabatha ingqalelo ubungakanani yedipozithi kunye nenzala ezuzwe inxalenye ethile kwexesha. Kuyimfuneko ukuqwalasela amathuba capitalisation okucwangcisa ipotifoliyo yotyalo-mali lwabo nokubala amathuba yenzuzo.