Olu didi lweemveliso zokonga, iidipozithi zexesha elide, zinokufumana ikhontrakthi ixesha eliphakathi kwesi-3 kunye neminyaka emi-6, apho iidipozithi ezinomdla okhulayo zinokukhethwa, zilungelelaniswe okanye zidityaniswe kwisalathiso sesitokhwe. Banethuba lokuba banenani eliphantsi kakhulu elifikelelekayo kuyo nayiphi na iprofayili yomtyalomali, phantsi kwoluhlu oluya ukusuka kwi-1.000 ukuya kwi-5.000 euro malunga. Kwaye nakweyiphi na imeko, iphezulu kunaleyo ibonelelwa ngokuhlala ixesha elifutshane.
Kule meko ngokubanzi, imida yokulamla inokuphuculwa kule klasi yeemveliso zokonga. Hayi ngendlela ebaluleke kakhulu, kodwa ubuncinci ngokwandisa le mida kwi izishumi ezimbalwa zepesenti malunga nezindululo zabo zokuqala. Ngokuhlawulwa okuzinzileyo kwaye kuqinisekisiwe minyaka le. Ngaphandle kwezinye izinto zobuchwephesha ezihambelana nezi mveliso zebhanki.
Ngayiphi na imeko, kwiidipozithi zexesha elide awuyi kubona unyuselo okanye ukwamkela izithembiso njengoko kusenzeka kwiidipozithi zexesha elifutshane. Nangona ezona ndaba zimnandi kwizinto onomdla kuzo ngamaxesha onke Uya kuqinisekisa i-capital of the deposit. Njengomnye umahluko ophambili ngokubhekisele kwiimodeli ezivela kwizabelo. Ngale ndlela, uya kuba kwimeko engcono yokucwangcisa iiakhawunti zakho ukusukela ngoku. Ukuba, kwelinye icala, ilula kakhulu kwaye kulula ukuba uqeshe imveliso.
Iidipozithi ezinde: inzala esezantsi
Iziphumo eziphambili zokuhla kwenqanaba lenzala yayikukuhla okuphawuleka kwinzuzo yezi mveliso. Ngeli xesha, inzuzo yayo ihamba kuluhlu oluya ukusuka kwi-0,50% ukuya kwi-0,90% malunga. Kodwa ngesidingo sokuba nemali ingahambelani kangangeenyanga ezininzi, kwaye mhlawumbi nangaphezulu kokukuthwala ukugcina ityala elifanelekileyo kwiakhawunti yakho yokonga. Ukubuya, bayakuqinisekisa ukuba iyonke imali efakiweyo, nokuba kwenzeka ntoni kwiimarike zezemali. Le yinto eya kukunika uxolo lwengqondo ngakumbi ukucwangcisa ukonga kwakho kwangaphambili.
Kwelinye icala, olu didi lweemveliso zebhanki lubonakaliswa yinto yokuba abavumeli ukuvuselelwa okuzenzekelayo. Ukuba akunjalo, ngokuchaseneyo, ziyaphela xa iphelelwa lixesha. Nangona kunjalo igalelo labo elikhulu kukuba abavelisi naluphi na uhlobo lweekhomishini okanye ezinye iindleko kulawulo lwabo okanye kulondolozo. Njengolunye lweempawu zalo zokuchonga ezichaphazelekayo ngokubhekisele kwezinye iimodeli zokonga ezineempawu ezifanayo. Apho zibandakanywa ngaphakathi kwiidipozithi ezikhulayo, kunye nezo zaziwa njengeedipozithi ezilungelelanisiweyo. Njengezicwangciso zokuphucula kancinci inzala eveliswa zizinto ezikhutshwa zezi mveliso.
Kwindlela yokwandisa inzala
Uninzi lwezindululo zexesha elide zisekwe ekunikezeleni ngenzala ekhulayo njengenkuthazo yabasindisa inzala. Imodeli yokonga ihlala inexesha eliqhelekileyo leminyaka emi-3 kunye nenqanaba elonyukayo lenzala, apho ingumnini ngokwakhe okhetha ukuhlawulwa kwerhafu yakhe. Ukwazi ukuba ngekota, ngekota, ngonyaka okanye emva kokuvuthwa. Igalelo lokuqala elincinci kwezi mveliso linyanzelisa ngakumbi, ukuqala nge-4.000 euro. Imali etyalomaliweyo kunye nenqanaba lenzala nazo ziqinisekisiwe kwikota yonke, zisaziwa kwangaphambili kwaye ukurhoxiswa kwangoko kunokwenzeka. Ngoncedo olukhulu lokuba ezi modeli zinokungena kwiifomathi ezikwi-Intanethi.
Iidipozithi zezi mpawu amaziko ezemali aphuhlisayo avumela ukuvandlakanywa okuqhubekayo kotyalo-mali. Ukuphucula inzuzo unyaka nonyaka Kude kube uyokufikelela kwimithambo yakhe yokugqibela nalapho anikela khona owona mvuzo mhle. Ngale ndlela, iidipozithi ezandayo pvumela ithuba lokuba iTyala imali oyigcinileyo ngokwemigangatho eyahlukeneyo, ngesiqhelo iphakathi kweminyaka emi-3 nesi-5, kuxhomekeke kwiimfuno zomthengi ngamnye Kwimeko apho ukurhoxiswa kwangethuba kwenzeka, ireyithi yokutyunjwa yonyaka iya kuncitshiswa ngeshumi leepesenti ezimbalwa kwaye emva koko isenokungabi yinzuzo kwimidla yabalondolozi abancinci nabaphakathi.
Iidipozithi ezakhiweyo
Amanye amaziko ezezimali akhethe ukunika abathengi bawo ezinye iimveliso ezingaqhelekanga, kwiimeko ezininzi ngeediphozithi ezilungelelanisiweyo. Le modeli ngokubekwa kwezi mpawu iqokelela ukusebenza isekwe kwindaleko yesalathiso, icandelo okanye ibhasikithi esitokisini apho le rhafu yekota ikhethekileyo kubhekiswa kuyo. Ngeempawu ezifanayo kwiimodeli zotyalo-mali lwangaphambili kwaye zinokubhaliswa kwimirhumo ye-monterias ye-5.000 yeeros Ngaphandle kwalo naliphi na ixesha ukuhlawula nawuphi na uJanuwari ngokweekhomishini, izohlwayo okanye ezinye iindleko ezivela kulawulo lwayo.
Uncedo olukhulu, ke, kule modeli kwiidipozithi zebhanki kukuba kuya kuba nakho ukuphucula imida yokulamla. Nangona kufanele ukuba icaciswe ukuba lo mahluko uza kuba ngowothusayo ngakumbi. Ukuba akunjalo, ngokuchaseneyo, baya kudlula amanqanaba athobekileyo, kunye nokonyuka kwee-euro ezimbalwa kwiakhawunti yokonga ukuphela konyaka. Kwelinye icala, ukubuya okuqinisekisiweyo kuncinci kakhulu, malunga ne-2% okanye i-3% ngokugqwesileyo. Ukuzibuza ukuba kufanelekile na ukushiya imali oyigcinileyo ingenakunyanzeliswa ixesha elide njengoko kusenzeka kwiidipozithi ezilungelelanisiweyo.
Iimpawu zale dipozithi
Njengazo zonke iimveliso zezezimali, olu didi lweedipozithi luthotho lwezibonelelo kunye nezinto ezingalunganga ekufuneka uzazi ngaphambi kokuqesha. Kungenxa yokuba kumgaqo, ezi dipozithi zebhanki azilunganga okanye zimbi kunezinye. Bahlukile nje kwaye le yeyona nto iphambili kubo ukuba babesemthethweni ngokususela ngoku.
Phakathi kwezibonelelo ezichaphazelekayo zezi sikubhengeza ngezantsi:
- Bahlala benikela nge umdla okhulayo, ukuze ixesha lokuhlala libe lide, umvuzo ongcono wokugqibela baya kuba nawo.
- Bahlala beqinisekisa i Yonke imali eyinkunzi ebekiweyo Kwaye ngekhe ulahlekelwe yimali, njengoko kunokwenzeka nakwimveliso yeemarike zezabelo.
- Kukho izicwangciso ezahlukeneyo zoshishino ukuphucula imida yabo yokungenelela ngokusekwe kwiprofayili eboniswe ngumtyali mali ngamnye omncinci nophakathi.
- Kanjalo Azithengiswa kakhuluEndaweni yoko, zizindululo ezithile eziqaliswa ziibhanki ngenjongo yokutsala imali kubathengi bazo.
Ukungancedi kwezi zinto zibekekileyo
Njengoko kungenakuba kuncinci, iidipozithi zezi mpawu zikwazisa uthotho lwezinto ezingalunganga ekufuneka uzithathele ingqalelo ukuze ungathathi nakuphi na ukumangaliswa okungalunganga kwezi zihlandlo zichanekileyo. Apho, ayisiyiyo kuphela inzuzo yayo engenayo, kodwa ezinye izinto zangaphandle kwaye ezingabalulekanga kuhlalutyo lwayo. Njengoku kulandelayo esikhombise apha ngezantsi.
- Alithandabuzeki elokuba ucinga njalo Unemali engenakuhamba ixesha elide. Nangona ungalibali ukuba kwezinye iimeko bayakuvumela ukuba uhlangule ngokungagungqiyo kwaye ugcine ixesha, ngamanye amaxesha ngaphandle kwezohlwayo.
- Ubuncinci benkunzi ukuyirhumela iphezulu kunezinye iimodeli kwezi mpawu. Rhoqo bafuna igalelo elincinci kwi-8.000 euro ukuya phambili.
- Inzuzo abayinikelayo ayinamtsalane kangako ngokwaneleyo ukugcina iminyaka emininzi. Ngale ndlela, kunokubakho imveliso yokonga enenzuzo ngalo mzuzu, nangona mhlawumbi ngaphandle kokuqinisekisa ukubuya okuncinci.
- Yimveliso eyenzelwe iprofayili yesaver echazwe kakuhle: Umxhasi olondolozayo apho ukhuseleko lwekhapitali yakho lukhona ngaphezu kwako konke.
- Unako uphulukane namathuba okwenyani ukuphucula iiasethi zakho ngezinye iimveliso ezinokuthi zibe nenzuzo enkulu. Nangona ngexabiso lokuthatha umngcipheko omkhulu ekusebenzeni.
- Okokugqibela, enye yeengxaki eziziswa zezi mveliso zebhanki yile aziguquki kakhulu kwaye kubabiza kakhulu ukuvuselela ubume babo kule minyaka idlulileyo. Ewe, ukwahluka kwayo kunqabile, unyaka nonyaka.
Akhawunti yeDiphozithi ekhuselekileyo
Enye yeefom zedipozithi yebhanki yexesha elimiselweyo ezingaziwa ngabatyali mali abancinci nabaphakathi. Ngokwenxalenye, ngenxa yeempawu ezizodwa zale fomathi intsha yokwenza ukonga kwakho kunenzuzo kule minyaka imbalwa izayo. Ayothusi into yokuba le mveliso yemali yahluke ngokusisiseko kuba inokubhaliswa ukusuka kwimali encinci efikelelekayo ngenyanga yamakhaya, malunga nama-euro angama-50 malunga. Ukuze ibhegi yokonga ezinzileyo yenzelwe ixesha eliphakathi nelide.
Yindibaniselwano enomdla phakathi kweakhawunti kunye nediphozithi ngokwendlela yemveli yelizwi. Apho, abanini kufuneka benze intlawulelo epheleleyo okanye eyinxalenye emva kweenyanga ezintandathu kuqeshiso. Ikwanesiqinisekiso sokuba uya kuhlala ufumana, ubuncinci, yonke imali banegalelo kutyalo-mali olwenziwe. Nangona kunjalo, kule minyaka idlulileyo ubukho bale mveliso yokonga kwizibonelelo ezenziwa ngamaziko emali aqheleki kakhulu. Ukusuka kule ndawo yokujonga, uya kuba nengxaki enkulu yokubabhalisa ukususela ngoku.