UmthethoState kanye nomthetho

Ikontraga ithemba ukuphathwa kwempahla. ukuphathwa Asset - kuba ...

ukuphathwa Asset - kuba umsebenzi lwefa ukulahlwa. Zinikeza zimali nge professional abahlanganyeli emakethe. Injongo eyinhloko kulesi simo izenzo njengoba isizinda inzuzo esiphezulu engozini ethile. Esesizokuhlola okushiwo ukuphathwa ithemba.

amafa

Njengoba umusa iningi lezinto ezisohlwini the Civil Code. Art. 128 iqukethe uhlu izimpahla ezifana. fa ukuphathwa izinto - Ngokuyinhloko ezezimali nomnotho. Zimali nayo inganikeza esitokisini, ingcebo nokunye. Ukuze zihlanganisa amafa njengempahla yawo kuphela futhi ngakwesokudla (imisebenzi yobuciko kanye nezincwadi ezinezihloko lo igama lenkampani kanye nokunye.). Emkhakheni okukhulunywa akubandakanyi izinzuzo angaphatheki.

Izici

ukuphathwa Asset - kuba kuthengiselana ezihilela ukuhlinzekwa kwempahla ngokomthetho. Uma, njengoba injena, isibonelo, inkampani, ke ugcine kuso njengenkolo esemthethweni ahlukene kuyinto cishe ayinakwenzeka. Lokhu kungenxa yokuthi inkampani ukuphathwa kwempahla noma enye inhlangano obonwa umuntu obhekene uyibhala ahlukene. Ngokwe ezibonakalayo ezenziwa ngokungakhathali ukugcina amarekhodi. Ngakho sokwenza imisebenzi kubalwa i-akhawunti yasebhange ehlukile. Ukuhlinzekwa ukuphathwa kwempahla ka empahla, amalungelo akhethekile izinhlangano ezingenzi nzuzo kumele kube ovelele kwabo izingozi ezivela nxazonke ukudluliswa sivumelwano yokunivumela. Kulo mBhalo, kuthengiselana senziwa ngenjongo zimali abazisebenzako.

ngabodwa izinto

Umthetho, ngaphandle kwalapho kunezimo ezingavamile, ayinikeli ukuvinjelwa ngqo phezu ukudluliselwa izinto, libhekene izici ejwayelekile. Phakathi naleso sikhathi, isakhiwo yesivumelwano, ikakhulukazi ukuxhumana izifundo, uhlu izimpahla abonisa ukuthi kuthengiselana kungenziwa uzibophezele kuphela ngokumelene izinto ezithile ngabanye. amafa ezingokoqobo kuyakuba abahlukaniswe nanoma yibuphi nezinye izimpahla okuqondene umnikazi wakhe kanye nemeneja. Kule ndaba, ngisho izinto achazwa ngezici ejwayelekile (isib nelineni i isisindo inheritable), ayengakwenza ngezinga elithile qiniseko ukuthola ngabanye.

izikhungo zezimali

Njengoba ojwayelekile, ithemba izimali azivumelekile. Nokho, lo mthetho sihlinzekela okuhlukile. Ngakho, ngokwale ndlela Art. 5 zoMthetho Federal "Ngo amabhange 'credit isakhiwo - esemthethweni ilayisensi ukuqhuba imisebenzi efanele, esikhishwa Central Bank - angase aqhube zokuhlala kanye nezinye zokukhokhelwa, bangena esivumelwaneni kwempahla ithemba ukuphathwa nekhasimende izimali. I wokugcina Kulokhu zingakhiqiza inhlangano, futhi isakhamuzi. Izakhiwo ezingenziwanga bakubuyisele futhi kungase kube ukuphathwa kwempahla abafanelekile. Ukuze afeze imisebenzi efanele kufanele unelayisensi, ehlinzekwe ngokuhambisana Art. 7 soMthetho ka 03/02/1996, le

impahla kaMasipala kanye federal

Ukudluliswa impahla abaphathi ithemba has ngokucacile ayo, okumele sicabange ngayo lapho senza ukuthengiselana. Ngakho, ngokwesibonelo, ukuze afeze imisebenzi ethile professional abahlanganyeli emakethe kungase olunikezwa bobabili ezizimele kanye nesimo noma impahla kamasipala. Nokho, izimpahla eziphathekayo, okuyinto yayikade olunikezwa ibhizinisi ebumbeneko noma isikhungo, futhi kumele anganikwa isimo sabo zomthetho ngaphambi kokuba idluliselwe ukuphathwa ithemba. Lokhu kungenxa yokuthi kwimihlomulo anikezwa ndaba, futhi asetshenziswa imodi elinganiselwe. Ukunikeza ingcebo professional abahlanganyeli emakethe ngabe zikwenza ukuba kusebenze ibhizinisi, ejensi ebumbeneko kamasipala noma isimo ongakhetha zayo ezingokomthetho.

izikhonzi

Njengoba kubahlanganyeli kuthengiselana kungaba:

  1. Umsunguli ukuphathwa ithemba.
  2. Yomhlomuli.
  3. Ukuphatha.

Amalungu ezimbili zokuqala ziyafana (okuvame nokwenzekayo emsebenzini). Isiphathi uba umuntu azimele, futhi asishayisani nge umzuzi noma umsunguli, njengoba imisebenzi yabo ayiyinto engahambelani. Uma lo msebenzi wenziwa ngezizathu elicacisiwe umthetho, bangase babe ngabantu ngokomzwelo okungokwemvelo, abangafuni ukwenza ibhizinisi noma inhlangano engenzi inzuzo (ngaphandle izikhungo).

umehluko wemisindo nemiqondo yamagama

ukuphathwa Asset - kuba kuthengiselana yokuzithandela. Injongo tesifundvo obangela nokuchithwa kwezimpahla Kwenziwa kuphela kwemvume yakhe. ukwethembana ukuphathwa isampuli ungase uhlanganise kokubili reimbursable futhi abasebukhosini-free isisekelo sokuba nobuhlobo. Isinqumo lokunikeza ingcebo kuthatha umnikazi wabo. Nguye oba umtshali wemali uyobe futhi efanele, umsunguli ukuphathwa.

inhlokodolobha Ukunikeza

ukuphathwa imali discretionary kuhilela kuphela ukulondolozwa hhayi, kodwa futhi amanyathelo. Ezezimali anikezwe isikhathi esithile. Ukuze ukuthengiselana umphathi sikhwama zezimali ngokuvamile elithola iholo. Kuyaphawuleka ukuthi eminye imisebenzi enjalo abacebile kuphela waphetha kuze kube muva nje. Namuhla, kunamabandla izinhlangano ukuthi ukuthatha esikhwameni inani $ 1 million. Okwamanje, Nokho, eziningi izinkampani elingase kudlule capital ezincane. Empeleni, inani obuncane ayizinkulungwane 200. Ruble. Uma zimali has, isibonelo, ayizinkulungwane 50, usengawenza ukudlulisa ukuba ukuphathwa. Okunjalo nengcosana ehlangana zibe amachibi. Ilawula uqhuba ukusebenza efanayo nge izindlela eyodwa zimali. Kodwa in the sakamuva uyakucabangela izifiso ngabanye amaklayenti. Umthetho futhi ivumela ukuphathwa amasheya ithemba enhloko-dolobha.

Imibandela

Njengomthetho, isivumelwano ithemba ukuphathwa kuyinto unyaka owodwa. Ngokusho kochwepheshe, imali isikhathi esifitjhani okungalungile. Phakathi naleso sikhathi, izinkampani abasebenza namuhla abangakwazi ukuthatha izimpahla izinyanga ezingu-6. Isivumelwano ukuphathwa ngokuvamile inikeza yokususa impahla engokoqobo ngaphambi kokuphela isikhathi esithile, kanye prolongation okuzenzakalelayo (isandiso) sivumelwano.

Izinzuzo nezingozi nebubi

Uma eqhathaniswa idiphozi e trust yasebhange kubhekwe oholela kangcono. Nokho, kukhona njalo ingozi angawutholi inzuzo. Noma umphathi yangasese noma inkampani ayikwazi ukuqinisekisa iholo isilungisiwe. Ngo umkhuba kungase kwenzeke ukuthi zimali ngeke kuphela engasebenzi kodwa futhi ulahlekelwe-dolobha yawo. Nokho, kuyodingeka ukhokhe imali ukulawula inkontileka.

NeKwakha mutual funds

ukuphathwa Asset has a lot ukwenzani mutual funds. Ochwepheshe batusa okwengeziwe ukuhlola le misebenzi. Kulesi futhi kwelinye icala, umsebenzi ukulawula ukulondoloza futhi ukwandisa dolobha yilowo otshale izimali. Nokho, izinkampani service ube isiqondiso ezingokomthetho ezihlukile. Ngo ukuphathwa kwempahla avunyelwe ukusetshenziswa ongakhetha, ikusasa nezinye okunye, mutual funds azitholakali. Endabeni falling emakethe umhlanganyeli abangochwepheshe kungase ukuthengisa kwezezimali. Kepha kukhawulwe ezenzweni zayo. Ngokwesibonelo, umphathi kungenzeka ukudlala ku ukwehlisa emakethe, abese ephetha "kuthengiselana iDemo". Lokhu kungenxa yokuthi wayevunyelwa ukuba ubambe amasheya kanye uyasho. Imithetho ukuhlinzeka izinkampani nge ilungelo impahla ithemba, ivikela zimali abazimele. Njengoba omunye izindlela wenza owenqabela yokwamukela noma yimuphi loans.

Ukuphumelela and indlela ngamunye

Inzuzo undoubted ka ukuphathwa kwempahla ukuthi kungenzeka ukuhoxisa izimali ngosuku kokuthola nezidingo ikhasimende. Lapho PIFah operation ezifana Kwenziwa izinsuku ezintathu. Ngesikhathi esifanayo ngalesi sikhathi nezimo zezimakethe zingashintsha kakhulu ngendlela engakhi futhi ngendlela eyakhayo. Uma ukuphathwa kwempahla umhlanganyeli professional usebenza ngamunye onamafa iklayenti yomuntu engokwezimali. Ngisho uma sebehlanganisa, abatshalizimali kuwo ngaphansi kakhulu kunezinye-mutual funds.

ukuphathwa kwefa

Luhilela ekuqinisekiseni ukubuya phezulu utshalomali. Ukuze uqaphe iklayenti amafa nomdayisi izenzo. Izimali zimali endlini ukuhlanzwa kanye izibambiso - esenana depositary. Umsebenti broker sika is accounting ukuhanjiswa kwemali kanye iklayenti share kubala Ukugodla yentela ngemali engenayo. Lapho ekhetha inkampani kufanele inake isikhathi womsebenzi walo emakethe, kanye nenani base ikhasimende. Ngakho, ububanzi nobukhulu eside broker usebenza, ayanda linokwethenjelwa.

esibalulekile

Lapho ukudluliswa kwempahla iklayenti umphatheli ufuna iziqinisekiso inzuzo izimali zabo. Nokho, ngokuhambisana umthetho kahulumeni elawula inzuzo ukwabelana, professional abahlanganyeli emakethe asivunyelwe ukunikeza lolu hlobo isiqinisekiso. Kanye nalezi amazinga kuvunyelwe ukushicilelwa umphatheli isivuno zomlando etholwe izinkathi odlule kubo.

yemizi njengempahla

Ingqikithi ukuphathwa ithemba kulokhu ukuqinisekisa ukuthi umnikazi, ngubani, isibonelo, ufuna nginikeze emagcekeni noma isakhiwo ukuze iqashwe, zonke ukunakekelwa is elivulela realtor. Ekuphetheni evamile sivumelwano Agency uba nomlomo. umsebenzi wayo ukuba baseshe kuphela umqashi. ukuphathwa Asset kuhilela ukunwetshwa abalulekile imisebenzi Realtor. uhlu yabo kuzoncika izidingo kanye amathuba yomnikazi. Le nhlangano hhayi kuphela ngifuna umqashi, kodwa kubuye kutfutfukise futhi esayina isivumelwano naye, uthola imali ukusetshenziswa into, uqaphe Ukwenza nokukhokhwa izikweletu, ukuqaliswa izibopho eyisakhamuzi nokunye.

isiphetho

Trust ukuphathwa manje esiyingxenye uhlu izinkonzo ezenziwa yenombolo yezinhlangano yasebhange. Ngokuvamile, lezi imisebenzi ukusithatha enkampanini enkulu yezimali. Ngesikhathi esifanayo, ngokusho kwabanye ochwepheshe, kungcono ukuthemba ukuphathwa kwempahla yabo emabhange. Lokhu kungenxa aphansi, uma kuqhathaniswa ibhizinisi Brokerage, izindleko amasevisi. Iqiniso lokuthi isakhiwo yasebhange asikho isidingo ziqasha abasebenzi ezengeziwe, okuyinto osezoba trustee. Vele ungeze le misebenzi ophethe abasebenzi yokusebenza. Asset Management namuhla ijabulela ithandwa enkulu. Kuyindlela yokwenziwa imali. Nokho, okubaluleke kakhulu kudinga umuntu ukutshalwa ezithile zezimali. Izinkampani ezihlinzeka umsebenzi anikele ezihlukahlukene okukhethwa kukho amanyathelo zimali. Ngokungangabazeki, konke okwenziwayo khona Nokho, ingozi, futhi imali kungaba ngempela eliphezulu. Ukuphathwa kwefa - indlela elula ukwandisa capital yakho. Kulokhu, zimali akubalwa baqonde yonke butholakala enqubweni eyinkimbinkimbi yokuthela lo msebenzi.

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