Phakathi kwezixhobo ezahlukeneyo ezivela kwimali sifumana ukhetho lwezezimali. Izinketho zezivumelwano ezithengiswa phakathi kwabathengi kunye nabathengisi. Banika abanini bazo ithuba (kodwa hayi isibophelelo) sokuthenga okanye ukuthengisa ukhuseleko ngexabiso elimiselweyo kwixa elizayo. Ukukwazi ukusebenzisa le khontrakthi kunye nelungelo akukho simahla, kuba ukuba bekunjalo, bekuya kubakho ithuba lokuphumelela okanye ukungaphumeleli. Ukuze uthenge le khontrakthi, kufuneka uhlawule oko kubizwa ngokuba yi "premium" kumthengisi. Ngokuchasene noko, ukuba ungumthengisi, uba ngumamkeli wale ntlawulo.
Kuba uKhetho lwezeMali lufuna ulwazi olukhulu lwezoqoqosho nezemali, ayisiyonto ilula ukuyiqonda. Ukuza kuthi ga ngoku, eli nqaku limiselwe ukuba lichaze indlela ye ukuba basebenza njani kwaye kuthetha ntoni ukuba ngumthengi okanye umthengisi weFowuni okanye uPhu. Kwakhona imingcipheko eyahlukeneyo ebandakanyekileyo kwaye zeziphi izibonelelo eziziswa yile ndlela ukutyala imali. Ndiyathemba ukuba uyifumana iluncedo!
Yintoni uKhetho lwezeMali?
Ukhetho lwezemali sisivumelwano esisekwe phakathi kwamaqela amabini (umthengi kunye nomthengisi) enika umthengi wesivumelwano / ukhetho ilungelo, kodwa hayi isibophelelo, sokuthenga (ukuba uthathe umnxeba) okanye athengise (ukuba uthathe Beka) kwixabiso elichazwe kwangaphambili le-asethi. Kwelinye icala, umthengisi wesivumelwano / ukhetho unembopheleleko yokuthengisa okanye yokuthenga Ngexabiso ekuvunyelwene ngalo nanini na umthengi ethanda.
Zisetyenziswa ngokubanzi njengezicwangciso zokubiyela, ukusukela oko basebenza njengoluhlobo "lweinshurensi". Ukuba abatyali mali bakholelwa ukuba kunokubakho iintshukumo ngequbuliso kwintengiso, ukubakho kokuthenga ukhetho lwezemali kulapho. Kwakhona njengethuba lokufumana inzuzo ngokuhamba ngequbuliso kuba ilahleko zilinganiselwe kwaye iinzuzo azinamda (ndiza kuthetha ngale nto kamva).
Ukusebenzisa eli lungelo, umthengi uhlala ehlawula umthengisi ipremiyamu. Umthengisi wokhetho lwezemali uhlala efumana ipremiyamu ehlawulwe ngumthengi. Ukusuka apha, ngamanye amagama, ikhontrakthi isekiwe. Ithetha ntoni le khontrakthi kwiqela ngalinye? Ukwenza oku, makhe sibone ukuba zeziphi iindidi ezimbini zokhetho lwezezimali ezikhoyo, umnxeba kunye nokubeka, kwaye kuthetha ntoni ukuba ngumthengi okanye umthengisi kwimeko nganye.
Yintoni ukhetho lokufowuna?
Umnxeba usenokubizwa Inketho yokuthenga. Sisivumelwano ukuba ikuvumela ukuba uthenge i-asethi kwixa elizayo ngexabiso esele lisetelwe. Olu khetho lwezezimali lunokuba nezitokhwe, ii-indices, izinto zorhwebo, ingeniso esisigxina ... Kukho iintlobo ezahlukeneyo. Ukufana nokwahluka phakathi kweMinxeba kunye nokuBeka ukhetho kuxhomekeke ekubeni iiFowuni ziza kuba ngamalungelo okuthenga kunye namalungelo okuthengisa. Akukho sibophelelo sokuthenga ekuvuthweni (ngaphandle komthengisi). Kodwa ukuqonda ngcono indlela, makhe sibone ukuba kuthetha ntoni ukusebenza nabo.
Thenga umnxeba
Kukhetho lokufowuna umthengi unokukhetha ixabiso angathanda ukuthenga ngalo kwixa elizayo. Ngokucacileyo, sonke singathanda ukuhlawula okungaphantsi okungcono. Ngenxa yoko, kukho ipremiyamu (ixabiso elifanele ikhontrakthi). Ukuba ixabiso ofuna ukulithenga lingaphantsi kwexabiso langoku lokudweliswa, ipremiyamu iya kubiza. Kwaye amaxabiso asezantsi, ixabiso leprimiyamu libiza kakhulu (ngesiqhelo ngokulinganayo). Ke ngoko, amaxabiso ahlala ebekiwe (kwaye yeyona nto iqhelekileyo) asondele kakhulu okanye ngaphezulu kwexabiso elidwelisiweyo. Ukuya kude, kokukhona kuya kuba nzima ukufikelela kwisicatshulwa, kwaye ngenxa yoko, ixabiso eliphantsi liya kuba lixabiso eliphantsi.
- Umzekelo wokuqala kwimeko yokulahleka. Masicinge ukuba sifuna ukuthenga ukhetho kwinkampani X ethengisa nge $ 20. Sifuna ukuthenga ukhetho lwefowuni oluphela kwinyanga enye kwaye sithathe isigqibo sokukhetha i-50 kwaye sihlawule i-premium ye- $ 21. Emva kwale nyanga isitokhwe siye sehla kakhulu kwaye sikwi- $ 1. Kule meko sigqibe ekubeni singathengi nge-15 yeedola (kuba nathi asizizo izidenge). Ilahleko? Ipremiyamu esiyibhatalayo, $ 1. (Iikhontrakthi zihlala zizabelo ezili-100, ke ipremiyamu iyi- $ 1 kwisabelo ngasinye kwisivumelwano. Ukuba kukho i-100, ilahleko ingangama-100 eedola)
- Umzekelo wesibini kwimeko yokuphumelela. Sithenga umnxeba wethu nge $ 1 kwinkampani X. Njengangaphambili, idweliswe kwi $ 20 kwaye siyithengile sinelungelo lokuzithenga ukuba sifuna $ 50 (kuyafana). Siyabona ukuba inkampani iyaqhubeka nokunyuka kumaxabiso, ekugqibeleni ekukhuleni ikwi- $ 21. Senza ntoni? Ilungelo lokuthenga i- $ 24 lisetyenzisiwe kwaye kuba intengiso ikwi- $ 20, sifumana i-21 yeedola kwisabelo ngasinye esithengiweyo. Ewe ayisiyo inzuzo yokugqibela, ipremiyamu ebihlawulwe yayiyi- $ 24, ke baya kufumana i-20 ecocekileyo ngesabelo ngasinye. Kule meko ingeniso ayinamkhawulo.
Thengisa umnxeba
Ukuba ngumthengisi weFowuni kunye nokubeka kuthetha umngcipheko ophakamileyo kakhulu. Apha Ilahleko azikhawulelwanga, kodwa zingenamda. Ngokuchasene nomthengi, inzuzo incinci, kuba oko kuzuziweyo yipremiyamu.
Ukuba ngumthengisi kuthetha ukuba ngumamkeli wepremiyamu, kwaye unembopheleleko yokuthengisa nanini na xa umthengi eyifuna okanye imfanele. Ukuba umnxeba uthengisiwe, imeko efanelekileyo iya kuba kukuba ixabiso le-asethi lilingana okanye lingaphantsi kwexabiso elithengiselwe iPut (kwaye ugcine ipremiyamu epheleleyo). Eyona meko imbi kakhulu kukuba i-asethi inyuke kakhulu, kungoko inyukayo, kulapho umthengi kuya kufuneka ahlawulwe.
Yintoni ukhetho lokubeka?
I-Put nayo inokubizwa Beka ukhetho. Sisivumelwano ukuba ikuvumela ukuba uthengise i-asethi kwixa elizayo ngexabiso esele lisetiwe. Ezi asethi zinokufana neefowuni, okt isitokhwe, iimveliso, ii-indices ... Kukho iindidi ezifanayo.
Ngokungafaniyo neefowuni, Beka iikhontrakthi zokhetho zibonisa ixabiso elinokuthengiswa ngexabiso kwixa elizayo. Kule meko, i-premium yokuhlawula, ephezulu iya kuba njengoko sikhetha ixabiso eliphezulu elizayo. Ngokuchasene noko, ipremiyamu iya kuncipha njengoko ixabiso eliboniswe kwiPu lisezantsi. Okokugqibela, ngasemva kweenketho zeFowuni, unelungelo lokuthengisa (kodwa hayi uxanduva) ukuba ungumthengi. Ukuba ungumthengisi wesivumelwano se-Put, kukho uxanduva. Ukuyiqonda ngcono, masibone umohluko phakathi kokuba ngumthengi okanye ukuthengisa ukhetho lwe-Put ngokwezimali.
Thenga i-Put
Masicinge ukuba sijamelene nemeko apho sijonga ukuba intengiso inokuhla kakhulu. Sithathe isigqibo sokuthenga ukhetho kwi-Ibex-35. Ibex ikumanqaku ayi-8150, kwaye namhlanje, kungoMvulo, sithathe isigqibo sokuthenga i-Put ukhetho ngokuphela kweveki enelungelo lokuthengisa nge-8100 ehlawula ipremiyamu ye- € 60.
Ngaba kunokwenzeka iimeko ezimbini, Ukuphelelwa lixesha ixabiso lingaphezulu kwe-8100 okanye ngaphantsi.
- Ukuba ixabiso lingaphezulu kwe-8100. Asilisebenzisi ilungelo lokuthengisa, kuba ngaphezulu kufuneka sithengise ngexabiso eliphantsi kunentengiso ngelo xesha. Siphulukana nepremiyamu, i- € 60 kwaye yile nto. Oko Yeyona ilahleko iphezulu apho siziveza khona.
- Ukuba ixabiso lingaphantsi kwe-8100. Kwimeko apho, sikhetha ukusebenzisa ilungelo lokuthengisa nge-8100. Inzuzo ngumahluko phakathi kwe-8100 kunye nexabiso le-Ibex. Ukuba ixabiso li-7850 € 250 lifunyenwe. Ukucoceka yi- € 190, kuba ixabiso leprimiyamu li-60. Ukuba ngumthengi wePut kukhokelela Ingeniso ayinakuba nomda njengoko amaxabiso ehla yee-asethi ezingaphantsi.
Thengisa i-Put
Ukuba ngumthengisi wokhetho olubekiweyo kuthetha ukufumana i-premium ngaphambili. Ukuba ngumthengisi, unembopheleleko yokuthengisa ngexabiso ekuvunyelwene ngalo ukuba umthengi unqwenela njalo ukukhula.
Ukuba ixabiso le-asethi lenyuke ngaphezulu kunelo livela kwisivumelwano, akukho ngxaki, akukho mntu ufuna ukusebenzisa ilungelo lokuthengisa ngexabiso eliphantsi xa i-asethi ibiza kakhulu. Nangona kunjalo, ukuba ixabiso le-asethi liwile kakhulu, umthengi unokusebenzisa ilungelo lakhe lokuthengisa ngexabiso eliphezulu. Kuya kufuneka ukhumbule imeko yangaphambili. Ukuba i-Put ye-Ibex-35 ibithengisiwe nge-8100 kwaye ivala iveki nge-7850, kuya kufuneka kuhlawulwe i-250 euros. Ingozi apha kukuba i-Ibex (okanye nokuba yeyiphi na) inokuwa kakhulu, kunjalo ilahleko yoMthengisi wePuti (njengomthengisi weFowuni) ayinamkhawulo.
Kuthekani ukuba ufuna ukuthengisa izinto onokukhetha kuzo ngaphambi kokuphelelwa lixesha?
Ukuba ufuna ukuthengisa ngaphambi kokuphela, ipremiyamu ngoku othengisela yona iya kuzuzwa ikhontrakthi yokhetho lwezemali ebesiyithengile. Ukuba ithengiswa ngexabiso eliphezulu (ipremiyamu), iya kuphumelela, kwaye ukuba iphantsi, iya kulahleka.
Iipremiyamu ziya kuguquka de kuphele ikhontrakthi, iya kuxhomekeka kwizinto ezimbini:
- Njengokukhula kusondela, iipremiyamu ziya kuhla ngexabiso. Kungenxa yokuba i-asethi ayinakufane ifumane ukuhla kwexabiso elibukhali. Ukukhula kweentsuku ezi-2 akufani nokukhula kweenyanga ezininzi.
- Njengoko ixabiso lihamba liphezulu kwaye liphantsi, iipremiyamu ziya kunyuka okanye zehle ngokwexabiso. Oku kuyakuxhomekeka ekubeni ngaba ngumnxeba okanye ukhetho lokubeka. Kwimeko yokufowuna, njengoko ixabiso leasethi linyuka, iya kuba njalo nepremiyamu. Kwimeko ka-Put, njengoko ixabiso le-asethi liwa, i-premium iya kunyuka. Kwaye ngokuchaseneyo kokubini, iipremiyamu ziya kwehla kwiifowuni njengoko ixabiso le-asethi lisiwa, okanye kwimeko ka-Put ipremiyamu iya kuwa njengoko ixabiso le-asethi linyuka.
Ayizizo zonke iarhente okanye amaziko akuvumela ukuba usebenze ngeendlela zokhetho ngendlela efanayo rhoqo. Konke kuxhomekeke kubalingani abanabo, indlela abasebenza ngayo kunye neeasethi ezimelwe kukhetho. Ngokufanayo, i-asethi nganye imelwe kwisivumelwano ngokwahlukileyo. Ayingawo onke amanqaku ezicatshulwa anexabiso elifanayo, inqaku elithile lixabisa kakhulu kwaye abanye abancinci kakhulu. Qinisekisa ukuba uyazi kakuhle isixa kunye neemeko otyala imali kuzo!