Enye yeemveliso zokonga ngokugqwesa ziidipozithi zebhanki zexesha elide. Kodwa banxamnye nabo okwangoku inzuzo yabo ephantsi. Ngokubonelela ngenqanaba lenzala elingafane lidlule Amanqanaba angama-0,5%. Ngenxa yesigqibo semali sokwehlisa ixabiso lemali ngabasemagunyeni ekuhlaleni kwaye oko kuye kohlwaya ulondolozo lwabasebenzisi bebhanki.
Nokuba yeyiphi na, iyimveliso yezemali ekhululwe kwiikomishini nakwezinye iindleko kulawulo nakulondolozo lwayo. Eyona nto iphambili ekukhuthazeni ukuba ubhaliswe ngabasindisi abancinci nabaphakathi kwilizwe lethu. Apho kukho iintlobo ezininzi zezicwangciso zotyalo mali nyusa inzuzo yale fomathi yenzelwe ukugcinwa kwabantu. Ngolunye uncedo olongezelelekileyo kukuba iyimveliso enokuthi ikhontrakti iye kwixabiso eliphantsi ngabantu bayo.
Kwelinye icala, iidipozithi zebhanki zexesha elimiselweyo zenziwa phantsi kweefomathi ezahlukeneyo, nto leyo esiza kuyidlulisela kumfundi. Ukuze ngale ndlela, ube nokulinganisela okuphezulu minyaka le kwiakhawunti yakho yokonga. Ngexesha apho kunzima kakhulu ukufumana ukusebenza okuphantsi kakhulu kwaye uhlala ungaphantsi kokulindelwe ngabasebenzisi ngokwabo. Kwimizuzu apho iimveliso ukudibanisa nengeniso esisigxina Abanawo awona maxesha mahle. Ukuba akunjalo, ngokuchaseneyo, imeko entsonkothileyo ngabantu abathile abafuna ukufumana imbuyekezo kwimali yabo.
Iidipozithi ezingaphezulu kwe-1%
Ukufezekisa le njongo, kunyanzelekile ukuba kulungiswe imeko ebekwe ziibhanki eziphantsi kwayo unyuselo lwentengiso. Ngale ndlela, amaxesha ngamaxesha bahlala benikezela ngezi mpawu ziphakamisa inzuzo yale mveliso yebhanki ukuya kumgangatho we-3%. Nangona ngokusisigxina kufutshane kwaye kuthengiswa phakathi kwe-3 kunye ne-12 yeenyanga ubuninzi. Ngaphandle kokucinywa kwangoko ngokungafaniyo nezinye iidipozithi zexesha elimisiweyo. Kwaye ngaphandle kweekhomishini kunye nezinye iindleko kulawulo lwayo okanye kulondolozo.
Ngelixa kwelinye icala, kufanele ukuba kuqatshelwe ukuba le modeli yokonga iphuhliselwa ixabiso lemali elifunekayo kunezinye iifomathi. Ngokubanzi, ngaphezulu kwe- I-2.000 okanye i-euro ezingama-3.000 kwaye azinakuhlaziywa ngomhla wokuphelelwa. Ezi zezinye zegalelo labo elifanelekileyo kwaye zezona mpawu zikwahlula kwezinye iimveliso kwiimarike zengeniso esisigxina. Kananjalo inyani yokuba olu didi lweedipozithi zexesha aluvumeli ukwenziwa kwekhontrakthi yeemveliso ezimbini okanye ezingaphezulu kwezi mpawu ngamalungu osapho lwethu.
Isivumelwano nezinye iimveliso zebhanki
Ukunyusa inqanaba lokunyaniseka kwibhanki yethu yobomi kusoloko kunomvuzo ngohlobo lweedipozithi ezinenzuzo enkulu. Oko kukuthi, ngokusebenzisa Ukuqesha imali yotyalo-mali, izicwangciso zepenshini okanye iiakhawunti ezihlawula kakhulu Iidiphozithi zinokubhaliswa ngenzala ephezulu kunangaphambili. Ukuza kuthi ga kwinqanaba lokuba unokufikelela kwi-5% ngeyona ndlela intle. Kananjalo ngezibonelelo zentengiso ezijolise ekuvuzeni abathengi bayo.
Ngelixa kwelinye icala, ukwamkelwa kwesi sicwangciso kulondolozo losapho kukhokelela kumathuba okukhetha phakathi kweemodeli ezahlukeneyo ngokusekwe kwiimali zabo ababhalisileyo, imiqathango yesigxina okanye ifomathi yabo. Ngeentlobo ngeentlobo zeemodeli ezihlengahlengiswe kwiimfuno zokwenyani zabathengi okanye zabasebenzisi. Ukuze ngale ndlela, bakwimeko engcono yokunyusa umda wobuthathaka obuthathaka ezi mveliso zebhanki zinazo ngeli xesha. Nangona kule meko abanakurhoxiswa kwangaphambili.
Qhagamshela kwii-equities
Ezona fomathi zinoburharha zezi zibonelela ngowona mvuzo mhle okwangoku kwaye zinokufikelela kwi inzala yonyaka kunye ne-5%. Kodwa kule meko, asisayi kubakho esinye isisombululo ngaphandle kokudibanisa ezi dipozithi zebhanki kunye neeasethi zemali zezemali. Umzekelo, umzekelo, izabelo zeenkampani ezithengisa esidlangalaleni. Kodwa ukugcina ubucukubhede obuthile kwaye kufuneka uyazi ngaphambi kokurhuma ukuze ngale ndlela ungafumani isimanga ngexesha lokusisigxina.
Olu didi lweedipozithi zebhanki zexesha elisisigxina lubonakaliswa yinto yokuba inzuzo enokuthi iveliswe kwizikhundla zayo iphunyezwe kuphela ukuba icandelo eliqhagamshelene nemarike yemasheya lihlangabezana neenjongo ezincinci. Isimo esingasoloko siyinyani kuzo zonke iimeko. Ukuba akunjalo, ngokuchaseneyo, ngamanye amaxesha kunzima kakhulu ukufikelela kwezi njongo zotyalo-mali. Ngayiphi na imeko, kwaye kwimeko yokwaphula le mfuno, ihlala ikho kwaye kuzo zonke iimeko kukho ezinzileyo kunye nenzuzo eqinisekisiweyo ephakathi kwe-0,25% kunye ne-0,75% kwaye ihlawulwa ekukhuleni. Nokuba kwenzeka ntoni kwiimarike zezabelo.
Yandiselwa kwezinye iiasethi zemali
Esi sicwangciso kwiidipozithi zebhanki asisebenzi kuphela ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, inwenwela nakwezinye iiasethi zemali, nakwezinye iimodeli. Injalo imeko yemathiriyeli ekrwada, isinyithi esixabisekileyo okanye nokuba yeyona nto iphambili kuyo, isalathiso sesalathiso semvumelwano yemboleko mali yempahla I-Euribor. Nangona kwezi meko, isithembiso asixinene njengakwimakethi yesitokhwe. Nangona isekwe ngaphezulu kwayo nayiphi na into kwinkqubo yeenjongo kwaye ingeyiyo eyokwenyani, yindlela ezenziwa ngayo ezi dipozithi zikhethekileyo ukuba abathengi babhalise ukusuka ngoku ukuya phambili.
Kuya kugxininiswa kwakhona ukuba ezi mveliso zifuna ixesha elingakumbi lokuqina apho isicwangciso-qhinga sabo sinokuphuhliswa ukufezekisa inzuzo ephezulu. Phakathi kwe-2 kunye ne-4 iminyaka apho imali iya kubanjwa kwaye ngenxa yoko ibe nomngcipheko omkhulu kuqoqosho lwasekhaya ngenxa yeendleko ekuya kufuneka kujongwane nazo kwiinyanga ezizayo. Ngokunjalo, azinakuhlaziywa ekukhuleni, njengoko kuhlala kunjalo kwiidipozithi zemveli ezithe zasungulwa ngamaziko emboleko. Ngayiphi na imeko, lukhetho olutsha lokuba abatyali zimali abanesimo sokuzikhusela okanye sokugcina banokuzifumana kwiinyanga ezizayo.
Uxoxisane nebhanki
Ngayiphi na imeko, kuhlala kukho isixhobo sokuthetha-thethana ngenzuzo yerhafu kunye neziko lezemali ngokwalo. Nangona esi sicwangciso kuphela igcinelwe abona basebenzisi bebhanki babalaseleyo: sikhundla esomeleleyo kwiakhawunti yokonga kwaye ngaphandle kokugcina isikhundla sokutsala imali kubudlelwane babo nequmrhu. Ukuze ngale ndlela, baphucule umda wokungenelela kwezi mveliso zezezimali ngesishumi sepesenti. Ukuza kuthi ga kwinqanaba lokuba banokubhaliselwa kumlinganiso weemfuno zethu kwaye ngaphandle kwesidingo sokuya kulo naluphi na uhlobo lwentengiso yokwazisa ngabakhupheli bezi mveliso zilungiselelwe ukonga umntu ngamnye.
Kule meko ngokubanzi, kufanele kuqatshelwe ukuba ngale ndlela kwiidipozithi zebhanki, isixa sobhaliso, ixesha okanye ixesha lokurhuma, kunye neemeko zesivumelwano zinokukhethwa. Oko kukuthi, iya kulungelelaniswa ngakumbi kunoko sikudingayo ngamaxesha onke. Ngelixa kwelinye icala, banethuba lokwenyani lokuba banokuhlaziywa xa begqityiwe, nokuba zikhona ezinye iimeko kubhaliso olwahlukileyo kule langoku. Njengoko iyimveliso enobuntu bayo kwaye ke ngoko yahlukile kwiifomathi eziqhelekileyo.
Ngamazinga enzala kwi-0%
Njengoko sele ubonile, unokhetho olwenziweyo ukuze ekugqibeleni ibhalansi yeakhawunti yakho yokonga ikhule unyaka nonyaka ngaphandle komzamo owenzayo. Nangona usazi ukuba uza koyisa 3% amanqanaba kwinzuzoUbunyani boku kunyanzelwa kuya kuba ngumsebenzi onzima kakhulu kwimidla yakho. Apho kwiimeko ezininzi kuyakuxhomekeka kwindlela oyinikayo ngalo mzuzu kwisicwangciso sotyalo-mali kwaye phantsi kweempawu ezichazwe kakuhle kunikezelo lwangoku olwenziwe ngamaziko emboleko.
Hayi ngokwahluka kakhulu kwiifomathi, kodwa ubuncinci ngokwaneleyo ukuphucula umda wokulamla wedipozithi yebhanki yexesha elimiselweyo. Kwaye ukuphela kosuku enye yeenjongo zakho ezikhawulezileyo kwimizuzu embalwa xa ixabiso lemali likwimeko engathandekiyo kwaye lingathandekiyo kakhulu ekungeneni kolu hlobo lweemveliso zebhanki. Kwinto enokuthi ithathelwe ingqalelo njengenye yeentshukumo ekufuneka uzingenise kweli xesha lifanelekileyo kubudlelwane bakho nehlabathi lemali.