Amabhange e-Ukraine: ezifakwa (ezifakwa)

Ububanzi amasevisi ebhenki is kahle e-Ukraine. It imelelwa inqwaba izikhungo ezahlukene zezimali. Emakethe kukhona kokubili ezizimele, izinhlangano amancane, futhi yasebhange imidondoshiya ngamazwe.

On Inqubomgomo kwezimali, okuyinto zifeza kuleli zwe, kuthonywa izici eziningi: ukuthuthukiswa emakethe, ezingeni lokuzivivinya ikhasimende, isimo sezomnotho ezweni, inqubomgomo zokulawula ye-National Bank of Ukraine (NBU) futhi-ke, ingxenye zezombusazwe.

Ngokulandelayo, sizogxila idiphozi izipesheli ezenza amabhange ezahlukene e-Ukraine.

Imali - indlela imali

Naphezu kuqhathaniswa okusezingeni eliphezulu zenzalo ukuthi amabhange unikele phezu imali, imali yangempela abakuvumeli. Isimo engazinzile kwezomnotho, olubonakaliswa ekuphumeni wenzuzo ukwehla kwamandla kazwelonke, kuba nomthelela ongemuhle ku imali yabantu abasemazingeni aphansi.

Ngisho imali in inani 20% ngonyaka ayikuvumeli imali yangempela, okuyinto ezizothinta iklayenti inhlalakahle. Ngakho-ke ezifakwa anjalo amabhange Ukrainian kunalokho ngokuthi njalo lilondolozwe dolobha value. Phela, ikuvumela ukuba ugcine imali umthelela emali kanye nezinye izinkinga zomnotho ezingezinhle.

Imali ezitholakala ngabanye

Njengoba kushiwo ngaphambili, amabhange e-Ukraine, lapho imali ngeke kuchazwe lapha ngentasi, kukhona letingemasayizi lahlukene. Kuphinde kube nomthelela sipho sabo ku imali. Ngokwesibonelo, izikhungo ezincane zezimali unesithakazelo edonsa ezandayo lemali futhi bazimisele ukukhokha ku ezifakwa ngokulandelana sezingeni elikhulu ukwedlula amabhange letindzala.

Phakathi naleso sikhathi, amaqembu zezimali zomhlaba ukusebenzisa idumela layo futhi waba nokwethenjelwa, ukunikela amakhasimende ayo ezifakwa nge ongaphakeme zenzalo.

amabhange Ukrainian, imali zazo ezidumile, bazimisele ukukhokha ngendlela ehlukile ngoba uhlobo oluthile idiphozi. Ukuze uqonde lokhu ake sihlaziye izinhlobo imali ngokuhambisana nenqubo elandelayo:

• lemali lwe-akhawunti;

• wokuphuthuma;
• kungenzeka replenishment noma ukuhoxiswa olungaphelele ilungelo;
• indlela yokukhokha nesithakazelo;
• Uhlelo ngemikhakha ethile yezakhamuzi;
• izipesheli ngabanye.

Ngokuvamile, amabhange ukunikela ukuvula idiphozi kwelinye futhi ezintathu zezimali: UAH, USD, EUR.

Ngokushesha Kuyaphawuleka ukuthi kule minyaka emibili, kukhona ephansi kakhulu zenzalo kuka kazwelonke lwemali imali. Futhi ngokuvamile atholakala umehluko phakathi premium ezifakwa lwemali kazwelonke nezinye amanothi asebhange ezikhathini ezingaphezu kwezingu-3.

ubuqiniso

Ngokwe-term imali emabhange Ukrainian sehlukaniswe eside funa. Lesi sakamuva ngokuvamile efana njalo ukuhlolwa akhawunti, kodwa isithakazelo esele imali.

Isithakazelo amazinga ezifakwa emabhange Ukrainian lolu hlobo sibuthaka kakhulu futhi ezingeni ka 3-7 per cent, uma i-akhawunti sivuliwe ku UAH. Ngo izimali zakwamanye amazwe iziphakamiso ezinjalo okunzima ukubathola, ngenxa yokuthi awayona lidumile amakhasimende. Isizathu esiyinhloko lesi simo kungenziwa ngokuthi imali iphansi nokubekwa imali - mayelana 1-2% ngonyaka ezihlinzekwa amabhange e-Ukraine.

Imali kukhona ukususwa ezahlukene futhi kungenzeka noma umthamo wemvula. Njengoba inkinga gcwalisa.

Bank sikhathazeka kakhulu yokuthi amakhasimende evulekile idiphozi akhawunti for the eside ngaphandle kokuba nokwenzeka ukususwa ngokubheja isizumbulu semali. Ngaphansi kwezimo ezinjalo-ke uyakwazi ukusizakala imali supply ngendlela nenzuzo kakhulu.

Kulesi siphakamiso nezinye izikhungo zezimali eyavezwa ezifakwa ezifana: 18-24% e yendawo.

I-oda ezidlula esingaphansi izinzuzo amabhange Ukrainian ukunikeza amakhasimende ukuvula i-akhawunti benethuba replenishment: mayelana 15-18% ngonyaka.

umehluko Nombono Ongathí Sina inzalo enqwabelene ku ezifakwa nge ofeleba emakethe ngaphandle kwalo ulahlekile. Ikhono ukwandisa emzimbeni idiphozi, kanye nokudluliswa intshisekelo ngenyanga kwi-akhawunti yekhadi ayatholakala cishe zonke izinhlobo imali. Ngakho ungakwazi kuphela ukhethe lokhu kuphela njengoba indlela yokwenza amasevisi asebhange sikuvumela amakhasimende.

Ayitholakali kuwo wonke

Kukhona futhi imali, okuyinto zingafakwa ngaphansi kwemibandela ethile. Ngokwesibonelo, imali le impesheni. Abakwazi ikhishwe kuphela uma uma iklayenti kuziwa isitifiketi impesheni.

iziphakamiso Okufanayo khona ngoba kwezinye izigaba zezakhamizi: amatilosi, abafundi nokunye ..

Ukuze bathi lezo ziphakamiso zihluke ngokuphelele olimini standard, akunakwenzeka. Kodwa ngokuvamile ezimweni ezinjalo, ukutholakala izinzuzo ezithile kanye amabhonasi. Ngokwesibonelo, impesheni ufuna ukubeka idiphozi. It is ngokuzenzakalelayo utshelwa ukuvula ikhadi yempesheni, lapho uyakwamukeliswa njengoba inzalo imali, futhi yokucwila kwezimpesheni zabo. Kusukela lelo lungiselelo kuyazuzisa amabhange, zilungele ukukhokha okuthe xaxa. Inani ibhonasi kuya deposit izinga ongafinyelela 12% kwegciwane.

iziphakamiso ezenziwe

Uma VIP-iklayenti, ningaqiniseka ukuthi izimo umuntu ku imali. Uma udinga impendulo yombuzo yalokho imali emabhange Ukraine enenzuzo kakhulu ke bayomfuna ukuba lezo ziphakamiso.

Ukuphuthuma ezifakwa abanjalo bangabaphostoli sifushane, ngokuvamile kuze kube izinsuku zekhalenda 31, kodwa izinga wesilisa uyajabula. Kungase idlule base ngumuntu amaphuzu ambalwa.

E-Ukraine, iningi amabhange nikulungele izipesheli efana amaklayenti abo lapho ukubeka inani okulingana nemali yendawo kuya kwezingu-20. Dollars. USA noma ngaphezulu.

Isimo namuhla

Namuhla singenza olandelayo idiphozi izilinganiso amabhange Ukrainian, esekelwe supply samanje yisikhungo sezinhlangano eziphambili zezezimali ku ezifakwa:

1. "Leposi" (Fidobank) - 29%.

2. "Yanyanga zonke" (Ibhange "Thembela") - 26%.

3. "Ithemu Plus" (Privatbank) - 24%.

4. "Classic esiphuthumayo" (Ukrsotsbank) - 20,75%.

5. "Unyaka omusha" (Ukreximbank) - 20,16%.

It kuyabonakala ukuthi izikhungo ezincane zezimali ukunikela siphezulu zenzalo ku imali. On the amabhange ngesandla esisodwa e-Ukraine, imali zazo engenhla, kwamlethela amakhasimende amaningi kangaka.

Ngakolunye uhlangothi, kungase ukukhuluma yokuntuleka enamandla imali ubhale izinkinga ezihilelekile. Kulokhu, ibhange ongasebenza noma ku umkhawulo inzuzo noma ukulahlekelwa, okuyinto indlela emfushane eya ezikweletini.