Uhlela ukuvula idiphozi? Qaphela!

Isixazululo ezinengqondo ivame ukwandisa imali etholakalayo kungaba kuvulwa idiphozi ebhange. Le nqubo elula angadida kuphela kukhethwa isikhungo credit. Umncintiswano uphika amabhange ukuya zonke izinhlobo namaqhinga ekuphishekeleni amakhasimende. Ukukhangisa iziqubulo vusa izingqondo abangafaka imali emabhizinisini abo, enikeza ezimvunayo kakhulu. Zama ukuqonda nanzuzoni imali kanye nokuthi iyini imbangela izinombolo eliphezulu zenzalo, okuyinto avele iziphakamiso ebhange.

Ufaka umnikelo yemali ubulokhu ihlala ethandwa kakhulu insimbi wezimali njalo. Ezinsukwini ubudala, kuphela amabhange lokonga babekwazi ukunikeza evikelekile isitoreji idatha nokukhula imali. Kusukela ngaleso sikhathi, inani amabhange liye landa izikhathi eziningi phezu. Ukwenza Izinto Zibe Lula kusho izinqubo indawo waqinisekisa ukuthi nanoma yimiphi imibhalo eyengeziwe for kokuvula idiphozi liyadingeka. zimali Russian kwanele ukuba passport yakho, abezinye izizwe ngaphezu kwalokho ukuthi abeke ikhadi kufuduka futhi ukubhaliswa kwabantu ezweni lethu.

Ubunzima iklayenti lapho utshale imali kuphela endabeni yokukhetha ebhange futhi okuthembekile uhlobo idiphozi. High zenzalo, kuze 11.6% ngonyaka, avame ahlinzekwa, kuncike izimali zesikhathi eside. Ngakho, ukuvulwa idiphozi "FFT +" in the Bank project ngezimali kuzoletha ikhasimende inzuzo ka 11,15% ngonyaka nge yokuhlala eside ezinsukwini 549. Cishe nemibandela efanayo e Ergobanka nge okomnikelo "Amber". Le mikhiqizo ezimbili idiphozi namuhla phezulu uhlu iminikelo ngempumelelo, okuyinto isamba kongoti yasebhange.

Njengoba ingxenye enkulu yomsebenzi imali ezihlinzekwa amabhange, igxile inani lenzalo ka 9-10% ngonyaka. Ekwamukelweni abalulekile inzuzo Umelekeleli ungakwazi kuphela khuluma ngaso-investimenti e inhlangano yezimali enhloko-dolobha isikhathi eside. isiphakamiso enjalo, isibonelo, likhangisa "Ukuvula" Bank. Imali "Classic" ngoba inani lenzalo ka-10% usethe inani lemali elincane umnikelo - ruble ayizigidi ezingu 3, inkathi ukubekwa - iminyaka engu-3. Isithakazelo ingatholakala noma njalo ngenyanga, noma thina uzengeze idiphozi oyinhloko futhi wamukele ekupheleni yesivumelwano.

Nokho, ochwepheshe efanayo batusa kakhulu ukuvula idiphozi okwedlula ama-ruble ayizigidi 700 esisodwa umnikelo. seTjhorensi imikhawulo ukuthi silinganisela isinxephezelo uma ibhange ivaliwe. Lapho ekhetha yasebhange futhi ezihlukahlukene idiphozi sivumelwano, kufanele sikhumbule ukuthi ukutholakala kungaba imali enenzuzo kakhulu nge-avareji senzalo ngaphansi kwemigomo ezilandelayo:

• ithuba ukuze ubuyise idiphozi ;
• ofeleba umnikelo ukuhlinzeka ophethe "inzalo isithakazelo";
• kungenzeka ekunqanyulweni ekuqaleni yesivumelwano idiphozi nokulahlekelwa ubuncane isithakazelo.

Ekugcineni, lapho sitshala imali imali eningi isikhathi eside kungcono ukuvula ezifakwa eziningana ngohlobo oluhlukile. Ukucabangisisa ngalezi zinto kusengaphambili kuyosiza ukuqinisekisa ngempumelelo capital investment kanye nokuvikeleka.