I-SWAP sisichazi sekhontrakthi esisaziwa kancinci ziiarhente ezithile kwilizwe lemali. Ngokukodwa, ibhekisa kwisivumelwano semali phakathi kwamaqela amabini avumayo ukutshintshiselana ukuhamba kwemali ikamva ngokwendlela esungulwe kwangaphambili. Yimveliso entsonkothileyo kwaye inxenye enkulu yabasebenzisi abasebenza kwiimarike zezemali abayiqhelanga ukusebenza. Olunye lweempawu zalo ezifanelekileyo kukuba i-SWAP inokwenziwa ukutshintshiselana nokuhamba kwezinye iimali zamanye amazwe. Kule meko, kuya kufuneka uchaze ukuba zeziphi ezemali kunye nokubala kwazo okulandelayo.
Enye yezona zinto zibaluleke kakhulu kwesi sivumelwano semali kukuba kufuneka ibe nexabiso lezoqoqosho ukuqala. Yimimiselo yakho yokuyiqonda ngokuchanekileyo kuba iya kuthatha isigqibo sokungena okanye ukuphuma kuyo, ngokuxhomekeke ekubeni ukuzibophelela ngamaqela omabini yale nkqubo yemali. Ukusuka kule meko ngokubanzi, le khontrakthi ikhethekileyo sithetha ngayo ibonakaliswa njengesiseko kuba sisiphumo.
Ewe kunjalo, ngokusisiseko i-SWAP yi Isiphumo sezemali apho unaniselwano lwexesha elizayo lunxulunyaniswa nexabiso lenzala. Ngokuchanekileyo kweli candelo apho unokwenza ukuba imisebenzi ibe yinzuzo kwaye ufumane inzuzo kwi iintshukumo ezivulekileyo, nangona ngendlela entsonkothileyo ngakumbi kuneemveliso zemali zesintu. Akumangalisi ukuba ezi ntlobo zeekhontrakthi phakathi kwamaqela amabini zenzelwe iprofayile yomsebenzisi kwaye ngokuqinisekileyo ayizizo zonke ezinovakalelo kule ndlela yokusebenza.
I-SWAP: zithini iinjongo zayo?
Okokuqala, kuya kufuneka ukhumbule ukuba ezi zivumelwano zezezimali zineenjongo ezithile ezisisiseko kwaye ziya kuba zezona ziya kuchaza ngcono ukuba zisebenza njani. Ngaba uyafuna ukubazi ukuze baqonde ngcono ubume babo? Ewe, enye yazo yile kunciphisa oscillations inzala. Ukuziqhelanisa kuthetha ukuba ubeka umngcipheko omncinci wokuthatha umdla onobundlongondlongo okanye ubuncinci obubanzi ngokucacileyo. Ukusuka kule ndawo yokujonga, iyimveliso eluncedo kakhulu kwimicimbi yeshishini lakho nakwimbono yotyalo-mali.
Enye into emele i-SWAP kukuba ukusetyenziswa kwayo kunciphisa umngcipheko wekhredithi. Le yinto eyakwenzekile kuwe ngamaxesha athile kunye neendlela zokuxhasa imali osayine ukuza kuthi ga ngoku. Ewe, oku akwenzeki kuwe ngesixa semali okanye ubuncinci ngokulingana okufanayo. Kuba ikwathetha ukuba kwimisebenzi oyiphuhlisayo ukuza kuthi ga ngoku umngcipheko wemali baya kuba ngaphantsi kakhulu. Akumangalisi ukuba kunzima kakhulu ukuba ungabinayo inkxaso yemali. Ke ngoko, ixabiso elongeziweyo loko kubizwa ngokuba yi-SWAPs kukuba baya kudala ukhuseleko olukhulu kuyo yonke imisebenzi eyenziweyo.
Iiklasi zeziphumo zezemali
Ukuba ezi mveliso ezizodwa zemali zibonakaliswa ngento ethile, kungenxa yokuba zibhetyebhetye kunezinye. Kuthetha ntoni oku? Ewe, into elula njengokuba uneemodeli ezininzi onokuzisebenzisa ukusukela ngoku. Awujonganga nemodeli ye-hermetic kunye ne-homogeneous enqunyelwe kuphela kwinjongo enye. Ukuba akunjalo, ngokuchaseneyo, uya kufumana iintlobo ezininzi zeemveliso ezizodwa, njengoko uya kukwazi ukubona ngezantsi. Hayi lilize, sele izicelo ezininzi onokucinga ngayo kwasekuqaleni.
Ewe, eyona SWAP ixhaphakileyo kuzo zonke inxulumene ne inzala. Ukuya kwinqanaba lokuba amaxesha ngamaxesha xa sithetha ngale nto sithetha ngayo sibhekisa kule asethi yemali. Ukusuka kule meko ngokubanzi, akukho mathandabuzo ukuba inzalo iyatshintshiselana, ngemali enye nangemihla ekuvunyelwene ngayo ngamaqela. Lo ngumahluko ophambili ngokubhekisele kwamanye amakhonkco oza kuwabona ngezantsi. Nangona zonke zikwikhontrakthi emele oku kuvela kwimali ngeli xesha.
Ukutshintsha kwezinto
Enye imodeli efumana ukubaluleka ngakumbi nangakumbi kwaye ikwahlangabezana negama layo loqobo njengoko injalo Ukutshintsha kwezinto. Kule meko ithile, ukusebenza kwayo kuyafana noko kwinqanaba lenzala esithethe ngayo ngaphambili. Nangona ziluluhlu lwezinto ezibonisa le khontrakthi yezemali intsha. Ukuze uziqonde ngcono, siza kukuxelela ukuba olu tshintshiselwano yimali yokutshintsha kwemali esekwe kwixabiso legolide. Kuyinyani ukuba siyikhankanyile isinyithi esimthubi, kodwa isenokuba yenye into ekrwada. Umzekelo, isilivere, ioyile, iplatinam okanye nayiphi na enye iasethi yezemali yezi mpawu zikhethekileyo.
Kwelinye icala, awungekhe ulibale ukuba ii-swaps zorhwebo zilandela ubume obufanayo nakwimodeli yangaphambili. Oko kukuthi, kulawula ukuhlawula iyantlukwano kwi Ixabiso eliguqukayo (Intengiso) kunye nexabiso elimiselweyo (elisisigxina) kwisivumelwano. Lo mahluko ungacacanga owenza ukuba le mveliso yemali ingaphazanyiswa. Nangona kuyinyani kakhulu ukuba kunzima kakhulu ukusebenza nayo. Ingakumbi ukuba awunalo uqeqesho olufanelekileyo lokuqinisekisa ukusebenza ngokuchanekileyo. Kungenxa yokuba nakuphi na ukubala okungalunganga kunokwenza ukuba ulahlekelwe yimali eninzi ukusukela ngoku. Ungakulibali ukusukela ngoku ukuba awufuni kuthatha isimanga ebomini bakho.
Isalathiso sesitokhwe sitshintsha
Ewe kunjalo, sijongene nenye yezona zivumelwano zintsha kuzo zonke ngenxa yeziphumo zotyalo-mali. Kungenxa yokuba enyanisweni, ukuba ezi mveliso zintsha zibonakaliswa yinto ethile, kungenxa yokuba zikuvumela ukuba utshintshisane, ngendlela efanayo nezinye iiswitshi ezichazwe apha ngasentla, ukusebenza kwemarike yemali yokusebenza kwentengiso yemasheya. Ngale ndlela, i ukusebenza kwestokhwe ibhekisa kwizinto eziguquguqukayo ezahlukileyo kwaye zibalulekile njengesixa sezahlulo ezifunyenweyo okanye iinzuzo ezinkulu, phakathi kwezinye ezifanelekileyo.
Ngayiphi na imeko, sukucinga ukuba ujongene nemodeli yendabuko okanye engaphantsi, kuba ayisiyiyo kwaphela. Endaweni yoko, sisivumelwano esintsonkothe ngakumbi kunokuba inokudala ngaphezulu kwesinye ingxaki kuwe ukuba awuqhelanga ukusebenza nolu hlobo lweemveliso ezinemali ezintsha. Ayothusi into yokuba nakuphi na ukusilela kungabangela ukuba ushiye i-euro ezininzi endleleni ukusukela ngoku. Ngayiphi na imeko, ayifani nokuthenga kunye nokuthengisa izabelo kwimarike yemasheya. Akunanto yakwenza nayo kuba baqala kwizinto ezichasene ngokupheleleyo.
Yimveliso entsonkothileyo
Ngayiphi na imeko, sijonge kwimveliso eyahlukileyo eyahlukileyo yemali. Apho ngaphandle kwamathandabuzo ukuba kumiselwe ukwenza utyalomali olukhulu. Ukuba ungumtyali mali omncinci nophakathi, kungcono ukuba ulibale ngale modeli kuba awusoze uyiqeshe ngenxa yeempawu zayo ezizodwa. Ukusuka kolu luvo ngokubanzi, isetyenziswa kuzo zonke iimeko ngokungathi yayiyi-inshurensi ngokuchasene nokunyuka kwenqanaba lenzala. Ukuze ngale ndlela, umthengi azikhusele ngokwezezimali kutshintsho olunokwenzeka kwixesha elizayo kwaye olunokuchaphazela utyalo-mali lwakhe.
Ngale ndlela, yintoni le ikwinqanaba leziphumo zezemali ukukhusela, kodwa kufuneka uyisebenzise ngokuchanekileyo kwaye uhlala usenza imali eninzi. Ayenzelwanga iindawo ezincinci zokonga, njengoko kusenzeka kwiidipozithi zexesha elimisiweyo, amanqaku ezithembiso zebhanki kwanakwimveliso ezininzi ezisekwe kwiimarike zezabelo. Ayothusi into yokuba eyona nto iphambili kuyo isekwe kwinto yokuba ixabiso layo livela kwixabiso lenye i-asethi enokuba ziibhondi, iimali, umngcipheko wekhredithi okanye amaxabiso enzala abizwa ngokuba sisiseko. Eli lelona galelo lakhe elifanelekileyo kwicandelo lotyalo-mali.
Ulwazi oluchanekileyo lwemveliso
Okokugqibela, awungekhe ulibale ukuba amaziko emali kufuneka anike ingxelo ngokuchanekileyo ngale mveliso. Kuba ukwazisa akwanele kwaye unikezele ngeencwadana eziyimfuneko, inkonzo yequmrhu kufuneka iqhubele phambili. Ukuya kwinqanaba lokuba iyimveliso engakhathalelwanga kubo bonke abatyali mali. Hayi kangako kwaye ngenxa yesi sizathu kufuneka bakulumkise ngokucacileyo ukuze ungangeni kwimpazamo enkulu onokuzisola ngayo kwiintsuku ezimbalwa emva kokuqeshwa kwakho. Akumangalisi ukuba sithethe ngemveliso yezemali enobungozi obuninzi bokugqibela kwaye kunzima kakhulu ukukusebenzisa, nokuba kungayiphi indlela.
Kwelinye icala, inokuvelisa iingxabano zomthetho ngenxa yeendlela ezimbi zebhanki kwisicelo sayo. Ukuya kuthi ga kwinqanaba lokuba abanye babo bachaphazelekayo bacele ukungabikho kwesivumelwano ngenxa yesiphene kwimvume. Njengoko kwenzekile kule minyaka idlulileyo kwaye oko kubangele ukuba babe nobulumko ngakumbi ngexesha lokuqesha. Kungenxa yokuba ekupheleni kosuku, kuye kwaba neziphumo ezigwenxa kwimidla yaba bantu. Kungenxa yokuba yayingeyiyo imveliso yemali eyenzelwe bona. Ke ngoko, ulumkiso kufuneka lube lolona luphawu luqhelekileyo lwezenzo zakho.