Umnikelo - kuyinto ... Imali emabhange. Inzalo ezifakwa

Imali ebhange - lena enye yalezi zimoto utshalomali, okuyinto kubhekwa kulula kakhulu ukufinyelela kuwo futhi ephephile ngisho nabantu abangamazi yonke imininingwane zokuphatha nokusebenzisa izimali kanjalo yasebhange. Nayo ungakwazi hhayi kuphela imali yakho okwesikhathi izinga lokwehla kwamandla emali njalo, kodwa futhi ukwandisa kubo.

Hola imali emabhange empeleni uvumele kancane, kodwa ngokuya imali emuva, zingabantu enokwethenjelwa kakhulu. Ngaphezu kwalokho, ukwethembeka lufakazelwa khona izinhlelo zikahulumeni ezikhethekile ukuthi sizokwenza ukuba ukuthathelwa umshuwalense iminikelo uma kwenzeka i-amabhange ezishile-out. Lokhu kwenza kube nendlela sasivumela uphephile ukutshala izimali khulula.

izinhlobo imali

Ngokusho indlela nokuphathwa kwezimali ezifakwa ningabaleli ezintathu izinhlobo:

• zakudala okuyinto kuvimbela ngokuphelele depositor, isb noma ubuyise noma imali-akhawunti idiphozi, ngeke;
• umnikelo, okuvumela zimali ubuyise ke;
• idiphozi, futhi enikeza ithuba lokwenza iminikelo eyengeziwe futhi ngokwengxenye imali.

Imali emabhange Kungenzeka anamagama ahlukene, kodwa zihlukaniswe izinhlobo ezintathu:

• eside;
• ukonga;
• funa.

idiphozi term

Ithemu idiphozi njengoba kusobala igama, ikhishwa isikhathi esithile. Kumele kukhunjulwe ukuthi esikhathini esincane ke angavulwa okuyiwona, kuyinto izinsuku ezingamashumi amathathu, esiphezulu - eminyakeni embalwa.

Ithemu ezifakwa abantu babe zenyathi zabo:

• ezifakwa lapho izinkokhelo isithakazelo zenzeka njalo ngenyanga;
• lokukhokha ekupheleni nenkathi yenkontileka.

Njengoba ojwayelekile, ukwenza zenyathi lokugcina idiphozi term kungaba kuneyokuqala.

idiphozi ukonga

Savings idiphozi - idiphozi lapho ungaqhubeka neqhaza ku-akhawunti. Ithemu yesivumelwano ngokuvamile izinyanga ezingaphezu kweziyisithupha. Inzalo ibalwa njalo ngosuku esasele phezu akhawunti idiphozi nsukuzonke, ukuthola isithakazelo imali zimali can ekupheleni ethemini ubuncane elicacisiwe inkontileka.

ukulethwa jikelele

funa ezifakwa kwenza nomnikazi wakho ngokukhululekile ukuphatha izimali ku-akhawunti. Isithakazelo ngokufunwa ezifakwa ngokuvamile encane - akuvamile idlule 1% ngonyaka. Ezinye ezifakwa yalolu hlobo kungenziwa ngokuzenzakalelayo yagingqika ebhange, kodwa ngemibandela ezingenawo la mathuba.

Ngayiphi lwemali ukwenza idiphozi?

Noma yimuphi ezifakwa emabhange Russian abantu luvula kokubili ruble futhi izimali zakwamanye amazwe. Ngaphezu kwalokho, kukhona multi-yabo zilwane.

Multicurrency umnikelo - iyona nokubekwa kwezimali e ezahlukene lwemali amayunithi ku-akhawunti eyodwa idiphozi ezahlukene amaphesenti. Banking ochwepheshe batusa ukuvula lolu hlobo, njengoba uma kwenzeka isimo force majeure, zimali unethuba uwine okungenani omunye zezimali.

Elinye iphuzu okumele kunakwe lapho uvula idiphozi - wukuthi ku currency angaphandle ezifakwa senzalo ingaphansi kuqhathaniswa akhawunti ruble.

Indlela ukukhetha idiphozi enenzuzo kakhulu?

Yini okufanele banake, ekucubunguleni iminikelo? Yiqiniso, lizinga zenzalo. Ithola Inani engenayo ukuthi zimali uzothola i bephumelele ebhange imali yabo iyasebenza.

Izinga lenzalo yemali mboleko incike nemingcele ezilandelayo esivela idiphozi:

• amanani;
• inkathi ukubekwa;
• zilwane.

Kuwufanele Ekugcizeleleni ukuthi amalunga eziphezulu zenzalo yokuzigcina ezifakwa abangazange okwamanje kukhuluma ukuthembeka ebhange.

Njengomthetho, sisayinwe phakathi kwebhange depositor akuvumeli inkontileka ngowokuqala unilaterally ukushintsha inani lenzalo, ngaphandle ezimweni ezithile (lokhu kusebenza ezifakwa ngesithakazelo ofeleba kanye prolongation).

Accrual inzalo ezifakwa

Ukubalwa inzalo ezifakwa kungenzeka kanje:

1. Lapho kwesikhathi idiphozi, basuke unikelwa lemali kokuqala.
2. Izinkokhelo ezenziwa njalo, ezifana nyangazonke noma emva kwezinyanga ezintathu.
3. Nge ofeleba kwezinhloso zenzuzo ku idiphozi. Le ndlela kuhilela sinezela kwesamba semali umnikelo ngesimo isithakazelo isikhathi esithile, futhi esikhathini esilandelayo, bayothambekela niyozenezelelwa kwaleyo enivumelene ngayo. Amaholo kumele sikhokhwe nyangazonke, ngonyangantathu, minyaka yonke noma ekupheleni nenkathi yenkontileka. For imali nge ofeleba, ngokuvamile inani lenzalo ingaphansi, kodwa engenayo kungasilethela kakhudlwana.

isandiso

Prolongation yesibambiso - kuba isandiso yesivumelwano yasebhange kuvulwa idiphozi emva kuphele isikhathi, nokwenza umnikelo okusha eside entsha ngaphandle kwemvume depositor. Uma isivumelwano idiphozi alinikezi isandiso, lonke inani (uthishanhloko kanye nesithakazelo) ngeke badluliselwe akhawunti iklayenti futhi isithakazelo ngeke zisaba ezicela. Ukuze uqalise kabusha ukukhokhiswa isidingo uxhumane yasebhange ukuvula i-akhawunti entsha ukonga.

Udinga ukuba banake khona neqiniso lokuthi akuyona yonke imihlobo imali ukuhlinzekela prolongation. Ukuze usebenzise le sevisi, sento sakhe ukuba kufakwe esivumelwaneni idiphozi.

Empeleni, uma wenza idiphozi kusukela iklayenti zidinga kokwethula passport we isakhamuzi Russian Federation. Uma umuntu efuna ukuvula i-akhawunti idiphozi nesihlobo esiseduze, ibhange kuzodinga ukukhiqiza imibhalo yakhe noma amakhophi aqinisekisiwe ngumuntu ummeli olungisa izivumelwano.

Idiphozithi Insurance Agency

DIA kwamiswa ngenhloso yentuthuko e Russian umshwalense idiphozi uhlelo. Uqinisekisa zimali ukubuya kwezimali kuma-akhawunti abo idiphozi uma ibhange liwa.

Kule minyaka edlule, lesi simiso kuye ngokuphindaphindiwe wabonisa umsebenzi zalo ezinhle, futhi ngaleyo ndlela kwandisa elikhangayo imali for the izakhamuzi Russian.

isiphetho

Uma ungabeka eceleni ezinye nyangazonke, nakuba inani elincane cash khulula futhi ufuna ukuzilondoloza kwabanye ngezinjongo, okomnikelo ibhange kulesi simo kungaba indlela enhle.

Kuyacaca ukuthi le ndlela kwezimali utshalomali ngeke ngilethe le ukuphila ntofontofo inzalo, kodwa ukuxazulula izinkinga ezithile, yena ngokuqinisekile kuyozisiza esikhathini esizayo. Ngaphezu kwalokho, ukubeka imali ebhange, awukwazi ukhathazeka ngokuphepha kwabo, futhi ukucabangela wathola ozofika izinga lokwehla kwamandla emali njalo liphuma.