Yintoni Umntu Omele Ayazi Xa Uthenga Igolide?

Ukuthenga igolide kukuthengwa kwintengo yexabiso ngegrama enye yezinto zegolide kwi-profit benefit. Yintoni oyifunayo ukuba uyazi malunga nabo bantu abakhetha igolide njengethuluzi lokutyalomali? Yimiphi imithetho yokuthengwa kwempahla yegolide?

Ngokuqinisekileyo, ukusebenza okunzulu njengokuthenga igolide kunokwenzeka kuphela ukuba kukho incwadi yozisi.

Ukuthengisa umntu wegolide unokukwazi ukufumana ibhanki-oku kuyona ndlela ekhethekileyo, kuba ukuthenga iigolide zebhanki, kunciphisa umngcipheko wokukhwabanisa phantse. Uluhlu lweebhanki ezibonelela ngeenkonzo ezinjalo azikakhulu kakhulu (Sberbank, Absolut Bank, Uniastrum Bank, Nomos-Bank), ngoko ke kuyimfuneko ukuzimela ngokuzimeleyo iinkcukacha zokufumana igolide (iimali-mali zentengo-mali) kuyo nayiphi na ibhanki. Into ebaluleke kakhulu kukuqwalasela iingongoma ezibini: ngaba kukho ibhanki ekuthengeni i-ingot okanye imali eyathengwa ngumntu, kwaye yintoni ebaluleke kakhulu ukusasazeka, okukuthi umahluko phakathi kokuthengisa nokuthenga igolide.

Ezinye iinkalo zendlela yokuthengisa igolide kwiibhanki zamazwe ase-CIS zingahluka. Umgaqo wezomthetho unyanzelekile xa uthenga igolide. Kufuneka ihlonishwe ngolo hlobo lokuthenga nokuthengisa. Zonke iinkalo zomthetho ziyafumaneka kwixwebhu lomthetho olufanelekileyo, elivunyiwe ngokuhambelana nesisombululo sikaRhulumente waseRussia Federation. Esi sigqibo sichaza ngokucacileyo ukuba ukuthengisa (ukuthengwa) kwe-bullion yegolide kungenziwa kuphela ebusweni bomntu otyalo-mali kwigolide. Ngaphambi kokuthengwa, iinkqubo zokulinganisa ziyimfuneko, eziye zenzelwe ukukhuphela ngaphandle naziphi na iingcamango nokungaqondi. Ukulinganisa kwenziwa ngokuchaneka kwe-0.01 g. Ibhanki inyanzelekile ukukhupha kumaphepha omntu avela kumvelisi oqinisekisa imvelaphi yeengots, kunye negolide equlethwe kuyo. Inkqubo yokuthenga iigolide zegolide, ngaphezu koko, kubandakanya ukulungiswa kwamaxwebhu emali, okufuneka ibonise intengo yegolide ye-ingot, isisindo, inani kunye nokuhlanzeka.

Ukuba umntu unquma ukuboleka igolide ngenjongo yotyalo-mali, ngoko kufuneka ahlawule ukuba uluhlobo luni lweembonakalo ezinemigoqo yegolide, iimali zexabiso okanye izinto zokugqoka. Emva koko, kuyinqweneleka ukuthenga umkhiqizo ophezulu, kuba kuya kuba nenzuzo kwaye kulula ukuyithengisa kwikamva. Ukuba i-ingot ayinayo i-burrs, i-inclusions yangaphandle, imirhumo, i-abrasions, kwaye ihlotshiswe ngamaxwebhu acocekileyo kunye apheleleyo asemenzi, oko kukuthi, kukho izizathu zonke zokukholelwa ukuba le mveliso ifanelekileyo.

Umbuso owanelisayo uthathwa njenge ingot, indawo equlethwe ngeentente kunye neenqatha, iziqwenga kunye nezikrakra (ezingathinteli ubunzima), amaxwebhu ovelisi ahlanjululwe okanye ahlanganiswe ngamacangci athinta ukufunda okubhaliweyo. Kule meko, umntu unelungelo lokungafuni ukuthenga igolide. Ukuba umntu unquma ukuvula i-akhawunti ebhankini, ibhankithi yebhanki kwigolide, i-palladium okanye isilivere, oku kuya kwenziwa ngokukhululeka.