Ibhange obuhle ngokubhekela izintshisekelo zengane ku ezifakwa

Noma ubani ihlela ukutshala imali yabo, kubalulekile ukwazi ukuthi iyiphi ebhange kangcono lokhu. Ngaleso sikhathi samanje ensimini ka Russia usebenza lenqwaba yisikhungo sezinhlangano eziphambili zezezimali ezinikeza izakhamuzi ezihlukahlukene idiphozi izinhlelo. Uma abangafaka imali emabhizinisini abo bakholelwa ukuthi ibhange ezinhle - lena lapho isithakazelo kakhulu imali, ochwepheshe batusa ukuba asondele ndaba eyinkimbinkimbi. Izinga eliphezulu akuqinisekisi ukuthi iklayenti izozuza ku izimali zabo. Kuwufanele benaka idumela asebhange, kanye nemibandela ngokubambisana.

Indlela ukucacisa inzuzo idiphozi

abakhangisi banamuhla zisebenzisa izitatimende eqinile amaphromoshini, ngakho-ke ungakwazi ukubona ividiyo ngokuvamile kakhulu isiphakamiso ukutshala imali at high kakhulu zenzalo. Kodwa musa asheshise ukubeka imali yabo ebhange lokuqala, okuyinto wathembisa u-16% wemali engenayo ngonyaka we idiphozi. Eqinisweni, kungase zibukeke ezahlukene, isibonelo:

• Sidinga ukutshala eziyizigidi ezimbalwa eminyakeni embalwa;
• Izinga 16% isebenza izinyanga 3 lokuqala kuphela;
• Ukunikeza kuyatholakala amakhasimende ezinkampani kuphela.

Okubaluleke ngendlela efanayo, yini ukuphuthuma idiphozi. Njengomthetho, kubhejwa engcono ziyasebenza ezifakwa isikhathi eside. Noma yimuphi yasebhange ezinhle has ukubukwa of imali emabhange, futhi kunenzuzo ukubamba imali amakhasimende isikhathi esijana ukuze uwafake kwegazi futhi kuzongisiza lokhu. Ngenxa yalokho, yesikhathi esifushane idiphozi amazinga ngaphansi kukhanga kunanoma ezifakwa iminyaka eminingi. Ochwepheshe bathi ukhetho kangcono inzuzo - ukutshala imali engu 1.

ofeleba eminikelo

Enye ibhonasi nice ubani onezinto imali imali emabhange - a ofeleba wekota noma nyangazonke (unezela inqubo isamba iminikelo enqwabelene zenzuzo nesikhathi sangaphambilini). Ngenxa yalesi ikhasimende ithola ongakhetha ngenzuzo nakakhulu, ngoba isithakazelo ibalwa njalo ngosuku ngaphezu yonke imali ababeyitholile idiphozi, okuyinto njalo ziyanda. Lokhu umnikelo ukubeka esizayo akusona ezibucayi, ngoba uma uvula i-akhawunti izinyanga ezingu-12 ukuze kwandiswe imali lemali idiphozi impela kancane. Nokho, lapho wenza ngezithukuthuku ruble abangaba yizigidi ezingu-2-3 kanye eside 24 izinyanga sibonga le ndlela, ungathola izinzuzo ezinhle.

Ukusebenza kwezinhlaka idiphozi

Ukubukeza iziphakamiso kanye nokukhetha izikhungo zezimali lapho ibhange ezinhle zenzalo yokuzigcina imali, sinake ukuthi kungenzeka namakhadi emali ukuthengiselana. Khetha uhlelo udinga ukuhlangabezana nezifiso zabo siqu. Uma ikhasimende ufuna ukuba bonge imali, udinga uhlelo nge ikhono ashona, futhi uma kunesidingo esikhathini esizayo esiseduze ukuba imali abanye izindleko zomuntu siqu, kungcono ukuba uvule idiphozi benethuba imali ebhange olungaphelele imali kusuka akhawunti. Imigomo kuthengiselana kumele uzifunde ngokucophelela. Njengomthetho, sokuhoxiswa izimali kwamabhange kakhulu ziyancipha amanani.

izinhlobo imali

ochwepheshe lwezezimali ukholelwa ukuthi ukusebenza idiphozi ngokuqondile okuhlobene inani lenzalo. Okwamanje, umkhiqizo ethandwa kakhulu kuyinto idiphozi term. Basuke evamile ihlukaniswe:

• umklamo;
• isitoreji;
• ukonga.

Iphesenti elikhulu namuhla, ungathola ku izinhlelo ukonga. Iqiniso lokuthi iminikelo enjalo asikwazi agcwaliswa futhi ukuze abenze iyiphi imisebenzi izindleko, futhi igama elithi ngaleyo ndlela ngaso sonke isikhathi esibalulekile. Noma yimuphi inhlangano yezimali kuyazuzisa ezifakwa ezinjalo, ngakho amanani kubo ezikhanga kakhulu, futhi iklayenti ithola inzalo kuphela uma uvala i-akhawunti.

Savings izinhlelo nomsebenzi ezibanzi. Ngokusho kwakhe ikhasimende ungakwazi ukuthola inzalo njalo ngenyanga, kukhona ofeleba akhawunti futhi inikeza replenishment njalo. inketho okunjalo kuyazuzisa ikakhulu kulabo uhlela wonge imali. Nokho, iphesenti lo mnikelo zizoba ngaphansi. I-akhawunti yamanje uzobangenisa inzuzo okungenani ngenxa izinga liphansi kakhulu. Kulokhu, iklayenti izimpahla iyatholakala futhi kokuthola ukusebenza idiphozi.

Amaphromoshini nokunikezwa ezithile zonyaka

Njengomthetho, amazinga elihle kunawo ku ezifakwa okunikelwe amaklayenti ngaphambi ngamaholide, ngesikhathi kuvulwa osizayo nezinye izikhundla. Kukhona futhi izipesheli ezithile zonyaka lapho udinga ukuvula idiphozi kuze kube ngosuku oluthile. Izenzo ezinjalo ziyadingeka ukuze izikhungo zezimali ukuheha kanti nabantu abahlosiwe. Njengomthetho, yiliphi ibhangi ezinhle inikeza izinhlelo ezikhethekile izimo ezikahle kakhulu amakhasimende.

Imali ku currency angaphandle

Ungavula idiphozi, hhayi kuphela e-currency kazwelonke emabhange isiRashiya, kodwa futhi yimuphi omunye. Futhi iziphakamiso ayigcini zamadola noma euro, ungakhetha i-akhawunti yakho ngisho kopondo British kanye yuan of China. Le ndlela libhekene ongaphakeme utshalomali uyabuya. umnikelo okunjalo kuyazuzisa ukuvula kulabo ukuhlela ukuchitha imali yabo esikhathini esizayo, ngaphandle kokuguquka ruble. Uma kungenjalo, ungalahlekelwa imali eningi in exchange of zezimali.

nokwethenjelwa yasebhange

ERussia kukhona lenqwaba izikhungo zezimali ukuthi izakhamuzi nge ithuba ukuvula idiphozi noma eminye imikhiqizo. Lapho ekhetha okuyinto ibhange kungcono ukuthatha imali-mboleko noma ukuvula idiphozi, kubalulekile ukuba unake okukhethekile kwesithunzi nokuhlonipheka kwakhe. Njengomthetho, izithembiso loudest ukunikeza ncamashi labo izikhungo abazikhundla emakethe iyaxokozela kakhulu. Ukuganukeja zimali - enye yezindlela ukuba ixazulule izinkinga zabo siqu.

Ibhange omuhle ungethele athembisa neqhaza ngesilinganiso 15% ngonyaka, njengoba kukhona oda ezithile intengo futhi ulinganisele ayikwazi ziyahlukahluka ezingaphezu kuka ku ezahlukene 0.5-2%. Ngaphambi kokuthi uthemba imali yakho enkampanini yezimali, kubalulekile ukuhlola ukuthi linokwethenjelwa.

Kuhle amadili amabhange Isithakazelo

Uma ikhasimende ekhetha kuphi izimali onesibalo, kufanele ucabangele le mibuzo elandelayo:

1. "Rentier". Lesi siphakamiso kusukela "Credit Europe Bank" nge inani lemali elincane ku-akhawunti ruble 100 000. Izinga 10,75% ngonyaka.
2. "Sunny". "Tempbank" inikeza izakhamuzi ukuvula idiphozi ruble ayizigidi 50 ngesilinganiso 10.7%.
3. "Central". Lolu hlelo isiphakamiso "Tsentrkombanka". Inani eliphansi akhawunti - ayizinkulungwane 10, inzuzo - 11.5% ngonyaka.
4. "Ukuzinza" ka "Vneshfinbanka". Uhlelo kungavula okomnikelo ruble ayizigidi 5 ngesilinganiso esimisiwe 11% ngonyaka.