Iincwadi ezixabisekileyo

Ngokuqinisekileyo amaxesha ngamaxesha ukhe weva ngeebhili zikaNondyebo, okanye iiBond Treasury (okanye iibhondi zikarhulumente). Kodwa ngaba uyazi ngokwenene ukuba ziyintoni? Kwaye yintoni onokutyala imali kuyo ukuze ufumane umdla kuyo?

Emva koko siza kuthetha yonke into oyifunayo kufuneka uyazi ngeebhili zikaNondyebo, Ukusuka kubani iarhente ebanikelayo kwinto eyiyo, umahluko kwiibhondi zikarhulumente kunye nendlela yokuzithenga.

Yintoni uNondyebo kaRhulumente?

Ngaphambi kokwazi ukuba zeziphi na iibhilikhwe zikaNondyebo, kuya kufuneka wazi ukuba leliphi na iqumrhu elibakhuphayo. Sithetha ngayo Ubutyebi boluntu. Eneneni, eli gama asilolakhe, kodwa isishunqulelo. Kwaye sibhekisa kwi UNobhala Jikelele kaNondyebo noMgaqo-nkqubo wezeMali, isihlomelo soMphathiswa Wezoqoqosho Noshishino.

Wenza ntoni uNondyebo kaRhulumente? Lijongene nokuxhasa iiprojekthi zotyalo-mali kwilizwe lonke. Yinto ebaluleke kakhulu, kuba into eyifunayo kukufumana imali kwaye, ngenxa yoku, kufuneka ikhuphe ityala loluntu. Yiyo le nto eyenza amatyala eNondyebo kunye neebhondi zikarhulumente.

Zithini iindleko zemali?

Amatyala kaNondyebo yinto esele isebenza eSpain ixesha elide. Ngapha koko, kuyaziwa ukuba zenziwa ngoJuni 1987, xa iMarike yetyala laLuntu kwiiNkcazo yaqala. Ngelo xesha, iibhili zikaNondyebo zavela njenge Ixabiso lomvuzo elizinzileyo elalisetyenziswa kwixesha elifutshane nelalimelwe kuphela ngokungeniswa kweencwadi. Ngamanye amagama, lukhuseleko lwetyala likawonkewonke olukhutshwa ngesaphulelo kwaye linokukhula kwexesha elifutshane. Ezi zisetyenziselwa ukuxhasa ngemali uRhulumente kunye nomtyali mali, oko kukuthi, umntu othenga loo matyala, into ayifunayo kukufumana inzala esisigxina akuba ekhulile (engenzi ngaphezulu kweenyanga ezili-18, nangona okuqhelekileyo kuxhomekeke Iinyanga ezili-12).

El Injongo yemithetho eyilwayo kaNondyebo kukufumana inkxaso-mali yexesha elifutshane kwaye oku kokona kubiza kancinane. Ke ngoko, oko ukufumeneyo akuphezulu kakhulu.

Elona xabiso lincinci leebhili zikaNondyebo zii-euro ezingama-1000 kwaye, nangona kuyinto eqhelekileyo ukuba zikhutshwe kwifandesi nakwisaphulelo, okanye ngentlawulo, inyani kukuba ukufunyanwa, nangona kuqhelekile ukuba kwenzeke ngesixa esincinci kunexabiso layo, ngamanye amaxesha linokunikwa ngexabiso eliphezulu.

Ukongeza, kuya kufuneka uyazi ukuba ezi mbuyekezo zixolelwe kwirhafu yengeniso yakho kunye nerhafu yombutho.

IiBhili zikaNondyebo vs iiBond zeBond

Baninzi abacinga ukuba iiBhili zikaNondyebo kunye neeBond zikaNondyebo ziyafana. Kodwa ngokwenene akunjalo; Zizinto ezimbini ezahlukeneyo.

Nangona besikhe sachaza amatyala kaNondyebo kuwe ngaphambili, kwimeko yeebond ikwanokhuseleko, kuphela, ngokungafaniyo namatyala exeshana, anethuba eliphakathi kweminyaka emithathu ukuya kwemihlanu.

Ngamanye amagama, yintoni eyahlula iibhili zikaNondyebo kunye neebhondi zikaNondyebo zezi:

• Ixesha lotyalo mali: Ngelixa oonobumba ikota ikwi-3, 6, 9 okanye i-12 yexesha; Kwimeko yeebhondi, utyalomali luphezulu, kwiminyaka emi-2-3 kunye nesi-5.
• Ifomula yesaphulelo: Esi sigama sibhekisa kwindlela yokukhutshwa kweebhili zikaNondyebo. Kwaye, okwenziweyo kukubafumana ngexabiso eliphantsi kunexabiso elifunyanwa ngumtyalomali bakube bebuyisiwe. Ngokuchasene noko, ngeebhondi, inzala ifunyanwa rhoqo ngekota, ngokusesikweni ngonyaka okanye ngonyaka.

Iimpawu zeMithetho eYilwayo kaNondyebo

Nje ukuba ube unoluvo oluncinci malunga nokuba zeziphi na iibhili zikaNondyebo, kubalulekile ukuba wazi ukuba zeziphi iimpawu ezichazayo phambi kokuba uziphose. Kwaye, enye yeempawu zokuqala zezi asethi zemali zikarhulumente zikwi inqanaba lomngcipheko. Akunakuphepheka ukuba nomngcipheko ngalo lonke ixesha uthengisa ibhegi. Nangona kunjalo, kwimeko yeebhili-mali zikaNondyebo, kufuneka kuthiwe banomngcipheko ophantsi, ngakumbi ukuba uthelekisa nezinye iiasethi. Oku akuthethi ukuba kulula ukurhweba kwaye unokufumana iziphumo, kodwa kwimeko yelahleko, ukuba nje awutyali kakhulu, ilahleko isenokungabi phezulu nakwezinye iimeko.

Gcina ukhumbula ukuba eyakho Inqanaba lokufumana inzuzo isezantsi kakhulu, ke awuyi kuba sisityebi kunye nabo. Nangona kunjalo, inyani yokuba yexeshana (ukuphelelwa lixesha) iyanceda ukunqanda ukuba imali ityalwe ngaphandle kokukwazi ukuphuma.

Kuya kufuneka uyazi ukuba, ngaphandle, Ixabiso eliqhelekileyo lebhili ye-Nondyebo yi-1000 euro. Kwaye ezi zihloko ziya kuhlala zifunyanwa ngaphantsi kwexabiso elibizwa ngegama, oko kukuthi, ziya kubiza ixabiso elingaphantsi kwelo lixabisekileyo. Nje ukuba yonke into igqityiwe (oko kukuthi, ifikelela ekuvuthweni), umahluko phakathi kwexabiso elithe lafunyanwa kunye nexabiso lebhili leyo yinto ebizwa ngokuba ngumdla ekusebenzeni. Umzekelo, cinga ukuba ixabiso olithenga ngalo ngama-500; ixabiso layo ngegama liza kuba yi-1000, ke inzala iya kuba ngama-euro angama-500. Ewe akunjalo ngenene njengoko inzuzo kunye nezinye izinto zidlala.

Ungazithenga njani

Ukuba emva kwayo yonke into oyifundileyo, uthathela ingqalelo ukuba iiBhili zikaNondyebo lukhetho lwakho, emva koko uyenze into elandelayo kufuneka uyazi yindlela onokuzithenga ngayo.

Kwaye ngoku zimbini kuphela iindlela onokuzenza:

• Ngeziko lemali. Kule meko, awuthengi, kodwa unika elo ziko igunya lamagqwetha ukuze, egameni lakho, liye kwimarike ephambili okanye yesibini kwaye lifumane iiBhili zikaNondyebo. Akukho nto igwenxa kule nto, ngokungathi unike omnye umntu amandla okwenza into oza kuxhamla kuyo. Ukongeza, kufuneka kukhunjulwe ukuba sithetha ngenxalenye yengxowa ethi, ngamanye amaxesha, ibhetele ishiye iingcali.
• NgeBhanki yaseSpain. Ngokukodwa, yintoni esetyenzisiweyo yiakhawunti ethe ngqo kunye neBhanki, ukuze ukwazi ukuthenga ngaphandle kwabalamli. Ungayenza nakwi-Intanethi.