Uyini idiphozi?

Zonke amabhange asebenza ngokungenzi inzuzo, imali eyengeziwe ngabanye nezinhlangano ezingokomthetho. Kodwa indoda ukuze akhiqize eliphezulu okunamathiselwe, kufanele aqondwe ngokucacile ukuthi idiphozi enjalo futhi yiziphi izinzuzo kungasilethela.

Ngakho, i-akhawunti idiphozi ivulekile ngesicelo ikhasimende ngemibandela akhethiwe ukuze wande imali okwesikhashana khulula. Okwamanje, ngamabhange baye basungula futhi wethula izinhlobo eziningi idiphozi ukuze engcono ukuhlangabezana nezidingo labantu. Noma kunjalo, abantu namanje esabe ukunika imali yabo kwabanye abantu, wakhetha ukugcina ikhaya labo laba "ebhange." Lokhu kalula zachazwa yisigaba ezizenzakalelayo 90s, lapho inani labantu liphindeke Walahlekelwa imali yakhe futhi waphoqeleka ukuba ngokuyinhloko ukuphika ngokwakho.

Yingakho, ngaphambi ukutshala imali yakho, kuzomele uqonde ukuthi idiphozi enjalo futhi yini imibono yakhe ingaba usizo kakhulu kuwe ngqo. Yiqiniso, ezweni lanamuhla futhi sonke sibhekana crisis, kodwa sibonga ekuthuthukiseni ukuphathwa izinga ezingeni ukuthembeka ibhange liye landa kakhulu. Ngoba manje angakwazi ngesikhathi ukunikeza ukuthi kungenzeka izimo ezingezinhle futhi ukuthatha izinyathelo ukuze ukuphuma kulo bathinteka.

Ngakho, amabhange eziningi commercial, etshela ukuthi idiphozi, kuphela yisho zako, kodwa ukhohlwe ukumemezela kanye nobubi obuthile. Ezimweni eziningi, umuntu unquma ukuba sigcine ukonga nje ngenxa eziphezulu zenzalo yokuzigcina imali. Kodwa yilokho kanye-ke kufanele aqaphele, ngoba njengawo ibhange akasoze ukunikeza fabulous isithakazelo amanani. Lokhu kusho ukuthi kukhona ingozi eliphezulu non-ukubuyiswa kwemali imali yakho. Ukuthembeka nokuzinza lesikhungo credit - ke kufanele kube into yokuqala ikhasimende igxile.

Zonke izimali ezifakwa emabhange zingahlukaniswa zibe izinhlobo ezimbili eziyinhloko: okufunekayo isikhathi. Uhlobo lokuqala idiphozi utshalomali kunikeza zimali ithuba ukuthola imali yabo kwi funa. Okusho ukuthi, uma you ngokuzuma kudingeka lonke inani, ibhange alinalo ilungelo ngakuphika kule ndaba. Ngokusho ezifakwa eside, iBhange inikeza izimali isikhathi esithile, ngemva kwalokho enesibopho ukukhokha inani eligcwele singekho ngesimo inzalo idiphozi. Ubuhle ezifakwa eside ukuthi inani lenzalo kubo iphakeme kakhulu kunanoma ngokufunwa imali.

Futhi umkhuba yasebhange, kukhona ukwehlukana kabusha futhi inqe idiphozi akhawunti. Agcwalisiwe zidinga investimenti yenkathi ethile nge ukungabi nakwenzeka kwento eminye ukukhulisa inani. A idiphozi replenishable unikeza ikhasimende ithuba ukwandisa ukuvama ngenani elithandekayo idiphozi. IBhange engena isivumelwano iklayenti, esichaza ngokucacile minimum futhi maximum ibhekwa lemali, kanye eziseqhulwini ukuqaliswa yabo.

Ukuze ikhasimende lula sinikeza ebhange nge embundwini ubuncane izimali. Okungukuthi, i-akhawunti idluliswa ethile, lapho kubhekwa untouchable, kodwa uma imali etholakele okweqa lesi silinganiso, basuke akugcini Ungabese zisuswe. Lapho ukhipha izimali okweqa kumkhawulo ibhange okhokhela iphesenti ubuncane idiphozi.

Futhi khumbula ukuthi lesi idiphozi? Lena isivumelwano phakathi umbolekisi (kuleli cala umuntu wemvelo noma womthetho) kanye umboleki (ibhange) ukubeka kuqala ethile imali. Futhi uma lesi sivumelwano sisho ukuthi kuyinto inkontileka ngokusemthethweni deal. Abaningi nje kakhulu ukuvilapha ukufunda okuqukethwe, futhi lesi senzo ngamawala. Isivumelwano esibhalwe kufanele kucatjangwe ngako ngekucophelela, ngoba ngokuvamile into ebaluleke kakhulu kulotshiwe ngamagama amancane, hhayi ukuheha ukunakekelwa ikhasimende. yokuqinisekisa Esifike Ngesikhathi le dokhumenti kuyokusiza ugweme izinkinga esikhathini esizayo.