Ngaba idipozithi yebhanki ingarhoxiswa?

rhoxisa Enye yeengxaki ezinkulu ezibandakanyekileyo ekuqeshweni kwedipozithi yebhanki kukuba igalelo lemali linokuphinda lifumaneke xa sele limiselwe ngokusemthethweni. Oko kubizwa ngokuba kukurhoxiswa kwangoko kwaye kunokusetyenziswa ukuhlangulwa ngokungagungqiyo okanye ngokupheleleyo. Le meko inokukhula ngenxa yokunqongophala kwemali kubanini bayo kwiimeko ezithile ezinokuvela. Phakathi kwezo zibonakalisa ubukho bamatyala kubantu besithathu, izibophelelo zerhafu okanye nayiphi na enye imfuneko yokunikwa kwengxelo kwimizi. Ukufikelela kwinqanaba apho kufuneka ubhenele kwimali kwiidipozithi zekota.

Ixesha ledipozithi linamaxesha okugcina ekufuneka egcinwe kakuhle. Bangaba ziinyanga ezi-6, 12, 24 okanye nangaphezulu. Kodwa kwenzeka ntoni ukuba kwixesha lesigxina abathengi kufuneka basebenzise ezi mali? Ewe, kwindawo yokuqala, akusayi kubakho khetho ngaphandle kokuhlalutya ukuba ngaba kwisivumelwano ukuphuma kwemali kuvunyelwe. Kungenxa yokuba kuzo zonke iimeko imeko efanayo ihlala izalisekiswa. Ukuya kwinqanaba lokuba inokudala ukungaqiniseki okungaphezulu kwesinye malunga nento ekufuneka uyenzile njengomfaki-mali.

Kule meko ngokubanzi, eyona ixhaphakileyo kukuba awukwazi ukwenza nayiphi na intlawulelo, nokuba inxenye okanye iyonke, kwaye ide iphelelwe. Inyani enokuvelisa ngaphezulu kwesinye ingxaki kubasebenzisi bebhanki kwaye inokuba yenzekile kuwe ngaxa lithile ebomini bakho. Ngapha koko, kweli nqaku siza kuchaza zonke iimeko ezinokuthi zenzeke ukuze ukwazi ukusombulula ngokuchanekileyo le meko. Nokuba uyayifumana okanye hayi kufuneka uyifumene ikhomishini okanye isohlwayo sesi sehlo. Kuba iya kubaluleka kakhulu kwimidla yakho yobuqu ukusukela ngoku.

IiKhomishini kwiidiphozithi

iikhomishini Ngokwesiqhelo, iidipozithi zexesha zithwala ikhomishini yokurhoxisa kwangoko kwaye isixa sayo sihlala siqhelekileyo Uluhlu oluphakathi kwe-1% kunye ne-3% kwimidla yale mveliso ibalulekileyo yebhanki. Ewe, indawo elungileyo kwezi mveliso zezezimali zibandakanya isohlwayo sezi mpawu ukuba luhlobo oluthile ukuhlangula kwiminikelo yemali. Inxalenye okanye iyonke ngokuchaseneyo nemali etyalwe. Nangona kunjalo, kufanelekile ukuba kuboniswe ukuba ngumyinge wenzala eqokelelwe yirhafu hayi kwi-capital capital. Umahluko omkhulu ekufuneka ucinge ukuba uza kudlula kule meko.

Kwelinye icala, kubaluleke kakhulu ukwazi ukuba ezi ntlobo zezohlwayo kufuneka zibandakanywe kwisivumelwano sale mveliso. Kungenxa yokuba ukuba bekungenjalo, iibhanki bezingenakukuhlawulisa naluphi na uhlobo lwekhomishini kuba unokuyibanga kwangoko kunye nokubuya kwayo okulandelayo njengoko ithathwa njenge Igatya elixhaphazayo. Ngokubanzi, iidipozithi zexesha zibandakanya ikhomishini yezi mpawu ukuze ube nemali ebekiweyo kude kube lixesha elifanelekileyo lokuphelelwa kwayo. Apho uyakufumana khona igalelo lakho lezemali kunye nezinto zabo ezichaphazelekayo.

Amaqhinga okungahlawuli iikhomishini

Ngayiphi na imeko, kwaye ukuzama ukukwazi ukuthintela ezi nkcitho zincinci zibekwe zibhanki, unayo enye indlela enokukunceda ukuba ubenayo le ndleko. Enye yazo iquka iidipozithi zokurhuma mfutshane ngokwexesha lokuhlala. Oko kukuthi, 1, 2 okanye iinyanga ezi-3 ukuze ube kwimeko engcono kwi-akhawunti yakho yokujonga. Ayothusi into yokuba kula maxesha kunzima ngakumbi kuwe ukuba ube nongxamiseko olukhokelela ekubeni ukhuphe imali eyinkunzi. Ukujongana nemihla emifutshane kuhlala isisombululo esisebenzayo sokuphepha ukuwela kwesi sehlo esinokudala ngaphezulu kwengxaki enye kuwe ukusukela ngoku.

Enye yeendlela onazo zokuphepha le meko ngokusisiseko ibandakanya ukungatyali yonke imali yakho oyigcinileyo. Ukuba akunjalo, ngokuchaseneyo, kuya kuba ngokwaneleyo Ukumisela kuphela inxalenye yabo. Ngale ndlela, ngokuqinisekileyo awuzukusebenzisa idipozithi yakho xa ungenayo imali eseleyo kwi-akhawunti yakho yokonga. Ngale ndlela, kuya kufuneka ucinge ukuba iindleko ezingalindelekanga zihlala zivela minyaka le. Umzekelo, isikolo sabantwana, ukuhlawulwa kwamazinyo okanye nokuba ityala elingalindelekanga phambi kwabantu besithathu. Ukuya kwinqanaba lokuba inokudala ingxaki enkulu kwiiakhawunti zakho.

Iidipozithi zohlobo oluthile: akukho kuhlawulelwa

izipho Ukufakwa kwexesha kuthengiswa phantsi kweemodeli ezahlukeneyo kwaye ezinye zazo azikuvumeli ukurhoxiswa kwangoko. Yiyo le into eyenzekayo ngedipozithi ngohlobo lokuba akuvumelekanga phantsi kwazo naziphi na iimeko ukuba ungarhola imali kwangethuba. Kuya kufuneka ukhumbule ukuba olu didi lweemposiso lubonakaliswa ngokusisiseko kuba alubaniki abanini bazo imali yemali, njengokuba kwelinye icala kuqhelekile. Ukuba akunjalo, ngokuchaseneyo, impindezelo yabo ibonakaliswe ngezipho ezithile.

Ewe, ukuba unekhontrakthi enye yezi mveliso zebhanki, awuzukukhetha kodwa ukulinda ukuphela kwayo ukuze ube nayo yonke imali oyigcinileyo. Abakuvumeli ukuba wenze nayiphi na intlawulelo, nokuba yeyiphi na okanye iyonke, kuba izipho abazibonelela ngalo mzuzu ubhalisela imveliso. Oko kukuthi, ekuqaleni kwaye kungavuthwa, njengoko kunjalo nenxalenye elungileyo yexesha eligcinwe. Ukongeza, enye yeengxaki zayo kukuba olu didi lweemveliso zinexesha elide lokuzigcina kunezinye iimveliso. Ziphakathi kweenyanga ezili-12 ukuya kwezingama-36 apho ungenakwenza nto kwaphela ukuba ufuna imali. Kukulungele ukuba ungakulibali ukuthintela imeko engathandekiyo.

Phinda uqalise umdla

Enye yeemeko ezinokuthi ziveliswe ngala maxesha kukuba uphambi kwediphozithi, ethi, ngokungathi kunjalo, ingacingi ngeekhomishini okanye izohlwayo zalo mxholo. Kodwa apho ungayi kukhetha ndawo ngaphandle kokuphinda uxoxe ngemidla yakho ukuba uyirhoxisile kwangoko. Ukuza kuthi ga ngoku iimeko ezintsha azisayi kuba luncedo kwimidla yakho ethile njengangaphambili. Kuba, enyanisweni, inqanaba lenzala abakunika lona linokuncitshiswa ukuya kuthi ga kwisiqingatha ngenxa yesi sidingo sakho. Ukuya kwinqanaba, ukuba ngandlela thile, uya kujongana nemveliso eyahlukileyo yemali kunaleyo ubuyenze kwisivumelwano ekuqaleni.

Kwelinye icala, kuyacetyiswa ukuba uhlalutye ukuba ngaba olu hlobo lokumiselwa lukulungele ukuba uqeshe okanye mhlawumbi aluthandeki kwimidla yakho njengomgcini osincinci omncinci. Ngale ndlela, akukho mathandabuzo oku kuya kuthetha ukwehla ngokubhekisele kwinzuzo anokuyifumana umsebenzisi. Olunye udidi lweedipozithi ezingayi kubandakanya iikhomishini iya kuba lelo linamaxesha amafutshane, ukuya kuthi ga kwiinyanga ezi-3, ezingenakuxhomekeka ekurhoxisweni kwemali ngabanini bazo. Eminye, intengiso okanye idityaniswe nezinye ii-asethi eziyimali baya kuqhubeka ngaphandle kokukwazi ukwenza lo msebenzi wezemali.

Ngaba kufanelekile okanye cha ukubaqesha?

idiphozithi Ngayiphi na imeko, umthengi kufuneka ahlalutye ukuba kufanelekile na ukuba abhalise ukufakwa phantsi kwezi khomishini. Ukusukela ekubeni i-avareji yenzuzo yezi mveliso zemali okwangoku ingu-0,12%. Ngenxa yesigqibo se-European Central Bank (ECB) ukuya yehlisa ixabiso lemali kwaye oko kuye kwabangela umdla ngeli xesha ukuba yi-0%. Oko kukuthi, kwimbali esezantsi, into eyenzakalisa ngokwenene ikhontrakthi yalo naluphi na uhlobo lwedipozithi yebhanki. Ukonakalisa ezinye iimodeli zotyalo-mali, ezinje ngeemali zotyalo-mali ezinokuthi zenze imbuyekezo enkulu kulondolozo, nangona ngaphandle kokuqinisekisa ngalo naliphi na ixesha.

Ngoku xa ufuna ukwenza uhlangulo iya kuba lixesha lokuhlalutya ukuba injani na idipozithi oyenzileyo ngokusemthethweni ukuba kunenzuzo ukwenza oku. Kuba unokufumanisa ukuba inzala eya kuthi ihambe kwiakhawunti yakho yokonga ayiyi kuba ncinane. Kufana nokubuza ukuba kufanelekile na ukufaka imali ixesha elide kwimveliso yebhanki yezi mpawu. Kuba ekupheleni kosuku ayinakuba sesona sigqibo silungileyo sokukhusela iiasethi zakho. Ayothusi into yokuba kuya kubakho ii-euro ezimbalwa kakhulu eziza kuya kwi-akhawunti yakho yokujonga.

Ukusuka kolu luvo, iiakhawunti ezihlawula kakhulu zinokuba sisisombululo esingcono kwimidla yakho. Kungenxa yokuba ngaphandle kokuphucula ukusebenza, uya kuhlala unemali epheleleyo kwimali onayo. Ngaphandle kwalo naluphi na uhlobo lweekhomishini okanye inkcitho kulawulo okanye kulondolozo. Ngale ndlela, awuyi kuba neengxaki ezibangelwa ziidipozithi ngalo mzuzu. Kungenxa yokuba inzuzo yayo ephantsi idityaniswe nenyani yokuba iyimveliso eguquke kancinci kule minyaka idlulileyo. Ukuza kuthi ga kwinqanaba lokuba abatyali zimali baguqukela kwezinye iimodeli zokonga eziguquguqukayo ngenqanaba lesisa elinomdla. Imelwe ziindidi ezithile zeakhawunti kunye neengxowa mali zotyalo-mali ngokusekwe kwingeniso esisigxina.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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