Misonkho ya thumba la ndalama

Misonkho ya thumba la ndalama  Tikudziwa kuti lero tikupeza zosintha zosiyanasiyana pazogulitsa zamabanki monga madipoziti. Ichi ndichifukwa chake osunga ndalama tsopano adadzipereka kuyang'anira ndalama zawo poziika ndalama zogulira.

Ndalama zogulira

Kodi mumadabwa kuti ndalama zogwirizana ndi ziti? Ndiwo magulu a zachuma kapena zotetezedwa momwe munthu amasankha kuyikapo ndalama. Pali oyang'anira, omwe adadzipereka kutolera maudindo omwe akaphatikizidwa adzakhala ndalama. Kenako, tifotokoza mitundu ingapo ya ndalama zomwe zilipo.

Misonkho

Tiyenera kukumbukira kuti munthu amene akutenga nawo mbali mu Thumba la ndalama sililipira msonkho mpaka zomwe zimachitika obwezera yazogawana. Mwachidule, sitipereka ndalama mwandalama mpaka bungweli litakwaniritsidwa.

Zosiyana magawo azandalama amatenga gawo lazachuma poganizira za phindu kapena kutayika kwachuma pazopeza zomwe apeza. Munjira zachuma, phindu ndi kutayika kwakulu ndizosiyana mu Mtengo wa ndalama za okhometsa msonkho. Phindu kapena kutayika kwakulu kudzatsimikiziridwa ndi kusiyana pakati pamtengo wobwereza ndi kuwomboledwa kwa magawo.

Misonkho ya thumba la ndalama

Phindu lalikulu pamisonkho yothandizana ndikuti sikofunikira kulipira misonkho ya katundu, osachepera mpaka Kupeza ndalama kumakhala kovomerezeka komanso kothandiza.

Pazinthu zothandiza, titha kupeza phindu la malowo pogwiritsa ntchito zosavuta; Timachotsa mtengo wopeza kuchokera pamtengo wosamutsira. Kuchulukitsa kumapangidwa ndi mtengo wogulitsa kupatula ndalama zomwe amapereka ndi misonkho yomwe ikugulitsidwa. Komanso, phindu Zimapangidwa ndi mtengo wogula kuphatikiza ndalama ndi misonkho yomwe idagulidwapo.

Kukonzanso misonkho mu 2015

Bungwe la misonkho lakhazikitsa Malire a 400,000 euros, momwe kuwonjezeredwa konse kwa ndalama zomwe zimapezedwa kumaganiziridwa kuyambira chaka cha 2015 motsatizana mpaka ma 400,000 euros omwe adagwirizana pamalirowo atsirizidwa, izi m'malo mozigwiritsa ntchito payokha pantchito iliyonse yomwe yachitika.

Pali misonkho ndi phindu pazolengeza za Ndalama za 2016, zomwe zingakuthandizeni ngati mukukayikira Phunziro la Zopeza ndipo mudzatha kuwunika zina mwazofunikira kwambiri pamisonkho.

Ngati munaganizapo zopanga ndalama kuti muthandizire pamisonkho yanu yothandizana, tikukuwuzani pansipa.

Kodi ndingagwiritse ntchito chuma chiti?

Pali zosiyana mitundu ya katundu momwe mungagwiritsire ntchito ndalama zanu kuti mupange phindu. Tiona zinthu zitatu zofunika kwambiri:

Misonkho ya thumba la ndalama

• Zogawana (ndalama)

Zogawana ndi ziphaso za umwini. Ngati mugula gawo, zikutanthauza kuti muli ndi gawo pakampani kapena kampani, kapena zomwe zimakupatsani ufulu wazinthu zina pakampaniyo. Mtengo wamasheya ukakwera, kampani ikhoza kusankha kulipira omwe akugawana nawo.

Komabe, ngati ndalama zasowa, ndiye kuti sipadzakhala zolipira kwa omwe akugawana nawo ndipo mtengo wamagawo ungatsike. Mtengo wa masheya umadalira pazoperekera ndi kufunikira, zomwe zimakhudzidwa ndi phindu, komanso chiyembekezo chakampani.

• Zogulitsa (ndalama zokhazikika)

Ndi bond, mumapereka ndalama ku kampani yomwe imakubwezerani chiwongola dzanja ndikulipira ndalama zomwe mudabwereka. Kusiyanitsa pakati pa ma bond ndi masheya ndikuti ma bond samakupatsani gawo pakampani.

Zolembazo zitha kuperekedwa ndi kampani, ndi oyang'anira zigawo komanso maboma monga maboma, kapena boma. Zitha kukhala zazifupi kapena zazitali ndikulipira chiwongola dzanja chambiri kapena chotsika, kutengera kulimba mtima kwa wobwereketsa komanso chiwongola dzanja chachikulu m'misika yayikulu.

Mabanki amapereka kukhazikika kwamitengo kuposa masheya, ngakhale mtengo wawo ukhoza kukwera kapena kutsika kutengera kusintha kwa chiwongola dzanja kapena kubweza kwa ngongole. Amalangizidwa kwa osunga ndalama omwe akufuna kulandira ndalama zokhazikika.

• Nyumba ndi zomangidwa

Malo ndi nyumba zimayang'ana kugulitsa malo kapena nyumba. Ngati mukugula nyumba kuti mugwiritse ntchito ndalama, cholinga chodziwika ndi kubwereka malo kuti mupeze ndalama zobwereka. Nthawi zambiri renti imadalira malo, cholinga ndi momwe nyumbayo ilili.
Pali mitundu ina yazinthu zomwe mungagwiritse ntchito ndalama zanu, koma zitatuzi ndizofunikira kwambiri kwa osunga ndalama. Katundu wamkuluyu ali ndi mwayi komanso zoopsa zosiyanasiyana.

Kodi ndalama zothandizana zimagwira ntchito bwanji?

Mfundo yake ndiyosavuta; gulu lalikulu la osunga ndalama limagwiritsa ntchito ndalama zawo kuti azigwiritse ntchito pazinthu zosiyanasiyana monga ndalama zogulitsa, masheya, pakati pa ena. Izi ndalama zogulitsa zimayendetsedwa ndi makampani akatswiri oyang'anira, pomwe amayang'aniridwa ndi oyang'anira maboma. Posinthanitsa ndi ndalama zawo, amalonda amalandila chuma chamakampani oyang'anira. Otsatsa ndalama amasankha pamitundu ingapo yothandizirana

Misonkho ya thumba la ndalama

Zolinga zanu pazogulitsa ziyenera kukhala ofotokozedwa pamndandanda wa thumba kotero kuti, pamodzi ndi chuma, thumba limaloledwa kupatula.

Kodi mungadziwe bwanji phindu la ndalama?

Zosavuta; the mtengo wamagawo osungira ndalama imakhazikitsidwa tsiku lililonse logulitsa. Izi zimachitika powonjezera mtengo wazinthu zonse zomwe zilipo ndikuchotsa mitengo yokhudzana ndi kasamalidwe ndi kasamalidwe ka thumba lazachuma. Kenako, phindu lomwe limatsatiralo limagawika ndi kuchuluka kwa mayunitsi azandalama kapena magawo, omwe amadziwika kuti mtengo wamshewu kapena mtengo wagawo.

Ngati zomwe mukufuna ndikugula mayunitsi a thumba lazachuma, mutha kutero tsiku lililonse lamalonda lotchedwa "perekani mtengo", Zomwe ndizofanana ndi chuma chonse, koma nthawi zambiri chimakhala ndi chiwongola dzanja.
Ngati mukufuna kugulitsa mayunitsi a thumba lanu lazachuma, mutha kutero patsiku lililonse lamalonda kwa achipembedzo "Mtengo wowombola". Mtengo uwu nthawi zambiri umakhala wofanana ndi mtengo wamtengo wapatali. Komanso nthawi zina, zitha kuphatikizira kuchotsera pang'ono pamtengo wathunthu wazachuma.

Ubwino wa ndalama zogulira

  • Njira yosavuta yopangira ndalama zosiyanasiyana.
  • Yoyang'aniridwa ndi katswiri wazachuma.
  • Amalola kuti azimayi azitha kutenga nawo mbali pazinthu zosiyanasiyana.

Kuyika nthano

  • Kuyika ndalama kumatenga nthawi yayitali; Lero, mayiko azachuma amapezeka mosavuta kwa aliyense. Mothandizidwa ndiukadaulo, zidziwitso zimafalikira pafupifupi nthawi yomweyo, zomwe zimathandiza ndalama kuti zidziwe zatsopano msanga pakakhala zosintha. Kuyika ndalama sikutenga nthawi, ngati muli anzeru zidzakhala zosavuta kudziwa kuti ndi chidziwitso chiti chomwe chingakhale chothandiza kwa inu ndipo mudzatha kuyika ndalama mwachangu komanso mosavuta.
  • Kuyika ndalama pamsika wamsika kuli ngati kutchova juga; Ndalama zopambana sizili ngati masewera amwayi. Kuyika ndalama kumaphatikizapo kulinganiza zoopsa komanso kubweza komwe ndalama zina zimatha kubwera. Ngati muli ndi luso lokhala ndi ndalama zambiri, mutha kudziwiratu zotsatira zake, kutengera momwe zinthu zilili, machitidwe ake, ndi malamulo operekera ndi kufunikira.
  • Kulipira katswiri kuli bwino kuposa kupanga zisankho zanu pazachuma; Anthu ambiri amalipira ndalama zambiri kuti ndalama zawo ziziyang'aniridwa ndi katswiri wazachuma. Vuto lalikulu ndiloti si akatswiri onse azachuma omwe amachita bwino pantchito yawo, kwinaku akulipilidwa chifukwa cha kuyesetsa kwawo.

Muli ndi chida champhamvu kwambiri chomwe chilipo: intaneti. Tsopano ndikosavuta kuti mudziphunzitse nokha mothandizidwa ndi intaneti kuti musamalire ndalama mwanjira yabwinoko, ngakhale yabwinoko kuposa yaukadaulo.

  • Kudziyesa nokha kumaonjezera ngozi; Izi zitha kukhala zowona, ngati mulibe maphunziro oyenera kuti mupeze ndalama nokha. Kuti muchepetse zoopsa ndi mwayi, muyenera kupanga ndikupanga dongosolo la ndalama. Mukaphunzitsidwa bwino, osunga ndalama amatha kuchepetsa zoopsa poteteza ndalama zawo.
  • Kuyika ndalama ndikosavuta monga kudziwa masheya oti mugule, zachidziwikire ndikofunikira kudziwa kuti ndi masheya ati oti mugule, koma sizokhazo zomwe muyenera kuyika bwino. Chofunikanso kwambiri ndikudziwa nthawi yogulitsa masheya.
    Kuyika ndalama kumafunikira luntha ndi maphunziro, koma kumbukirani kuti kukhala Investor sikutanthauza luso.

Pomaliza

Monga mukuwonera, fayilo ya ndalama zothandizirana ndizokhazikika pamalingaliro oyambira ndipo amapereka mwayi wosavuta komanso waluso pamitundu yosiyanasiyana yazinthu.

Mwambiri, mutha kuyika ndalama ku gulani masheya, ma bond, malo ndi nyumba, kapena zinthu zina kuchokera kwa broker wabanki, woyang'anira katundu kapena wogulitsa nyumba. Muthanso kugula m'njira zina, kudzera mu thumba la ndalama, yomwe ndi njira yodziwika bwino yomwe amagulitsa masiku ano.

Tikukumana ndi kusintha kwa misonkho, komwe kumatipangitsa kukayikira momwe ndalama zimaperekedwera, zomwe zimapangidwa kudzera mu ndalama zandalama mu lipoti la ndalama. Ndikukhulupirira kuti nkhaniyi yakuthandizani kumvetsetsa zambiri za izi misonkho yazandalama.


Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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