Ungayikhetha kanjani idiphozi yasebhange

khetha idiphozi yasebhange

Sifika nini khetha idiphozi yasebhange, senza umehluko phakathi kokuhola imali enkulu noma engaphansi ngokuya ngenzalo.

Mhlawumbe lapho uthi nhlá Imali yasebhange ayibonakali iyimikhiqizo eyinkimbinkimbi futhi ukholwa ukuthi noma iyiphi idiphozi ingakunika izinzuzo, kepha uma ungazi ukuthi ungayikhetha kanjani futhi wazi izici ezahlukahlukene ezikhona ukuze uthole okuningi, njenge inzuzo ngezitolimende ngikunikeze noma amakhomishini abakukhokhisa wona, izinkokhelo zingabiza kakhulu ngokuhamba kwesikhathi.

Lokho okubizwa nge-fixed term deposit

Imali yesikhathi Ukufakwa kwemali ebhange kulungele abantu abalondolozayo Abafuni ukubeka engcupheni imali yabo nganoma yikuphi ukutshalwa kwezimali. Lolu hlobo lwediphozi luqukethe ukufaka inani lemali X ebhizinisini nohlobo oluthile lwecebo ukuze ngokuhamba kwesikhathi, lelo nani elibekwe ebhizinisini elishiwoyo litholakale kanye nenzalo.

Akuwona lawa madiphozi kuphela akhona, ngoba futhi singajabulela izinzuzo ze imali ehlanganisiwe noma imali ekhonjisiwe kepha lokhu kuphelele kancane futhi akuthandwa kangako.

Ziyini izinzuzo zamadiphozithi asebhange

Yini imali yasebhange ekhona

  • Imali yasebhange yesikhathi esinqunyelwe ingu ixhaswe futhi iqinisekisiwe ngesikhwama sesiqinisekiso sediphozi. Lesi sikhwama sihlanganisa ama-euro angama-100.000 kumnikazi ngamunye.
  • Kukunika ithuba lokuthi phinda u-100% lokutshalwa kwemali ekuvuthweni.
  • Ine- inzuzo engaguquki kusengaphambiliLokhu kusitshela ukuthi kusukela ekuqaleni sesivele sazi ukuthi yini esizoyizuza lapho sibuyisa imali yethu.
  • Inezinzuzo eziningi (yize lokhu futhi kuncike ebhizinisini nakwidiphozi) ngakho-ke ungathola imikhiqizo enenzuzo enkulu ngokukhansela kusenesikhathi noma inhlawulo esilinganisweni senzalo.

Yini okufanele uyicabangele lapho ukhetha uhlobo lwediphozi

Ukuze ukwazi ukukhetha uhlobo lwediphozi kufanele ucabangele izinto eziningana esizozichaza ngezansi:

imali yasebhange

Kufanele wazi uhlobo lwediphozi

Lokhu kusuka emathangini angashadile kuya kumathangi aphindwe kabili okuyizinto eziyinkimbinkimbi kakhulu. Imali efakiwe ihluke kakhulu komunye nomunye, ngakho-ke ukukala amadiphozithi ahlukene kufanele wazi kahle zonke izici ezinomthelela kuwo. Enye yamadiphozithi alula kakhulu ebhange yilezo ezenzelwe isikhathi esinqunyiwe ngoba asisoze sahluleka ngazo. Lezi zinhlobo zamadiphozi zinikezwa uhlobo lwenzuzo olungafani, ngoba aluxhomekile kunoma iyiphi into yangaphandle.

Inzuzo yamadiphozithi

Ukuzuza kungenye yezinto zokuqala ezibukwa cishe yiwo wonke umuntu lapho ekhetha idiphozi eyodwa noma enye. Kodwa-ke, kufanele wazi ukuthi ungayichaza kanjani kahle.

Iningi lezinto zikunikeza izinzuzo eziphakathi kuka-4% ezinyangeni eziyi-12 noma u-5% ezinyangeni eziyi-18. Kulezi zimo, iningi labantu belizokhetha inketho yesibili ngoba linikeza i-% ephezulu, kepha inketho engcono kakhulu ngeyokuqala ngoba inika umholo ophakeme ngesikhathi esincane.

Ukuze sazi ngokuqinisekile ukuthi iyiphi esizoyikhetha, kufanele sibheke i-Annual Equivalent Rate noma i-APR. Uma siphinde sibheke ukunikezwa okubili kwangaphambilini, owokuqala uzoba ne-APR ka-4 bese kuthi owesibili, osinika i-% ephezulu, abe ne-APR ka-3,3 ngonyaka.

Imibandela yediphozi

Ngezikhathi zokugcina, kufanele njalo khetha izikhathi zokugcina ngokucophelela lokho kuzokhokhwa ngokwezidingo zethu (kulokhu kumele sibheke ukuthi sizoyisebenzisa yini leyo mali esikhathini esifushane). Kumele futhi ubheke ukuthi kuyini ukuvela kwemakethe (ngoba kufanele ubone ukuthi imali izinzile esikhathini eside noma cha) bese ubona imbuyiselo esiyinikwa yidiphozi uqobo.

Imali yesikweletu

Imali efakwa ebhange

Lokhu kusitshela nge ukutholakala kwemali esingaba nazo futhi sakha esinye sezici ezibaluleke kakhulu uma kuziwa ekukhetheni uhlobo lwediphozi. Lapha, singathola izinketho eziningana, enye yazo ifayela le- imali engenayo inhlawulo okwenzeka ngemuva kokukhanselwa kwangaphambi kwesikhathi, okusho ukuthi, amadiphozithi anikezwayo kepha akunikeza ithuba lokuthola imali yakho nganoma yisiphi isikhathi bese ufaka inhlawulo yenzalo, okuthi noma bezama ukusebenzisa inzalo ephansi, babize uhlobo oluthile lwenzalo. Lolu hlobo lwediphozi luthandwa kakhulu.

Ekugcineni, kukhona amadiphozi angawavumeli ukuthi akhanselwe ngaphambi kwesikhathi lawo madiphozi abesetshenziswa kakhulu esikhathini esedlule, kepha kulezi zinsuku amabhizinisi ayekile ukuwasebenzisa.

Ukuhlala ngentshisekelo

Kulokhu, abantu abazongena kwinkokhelo yediphozi bangacabanga ukuthi akuyona into engahambelani kangako kanti akunjalo. Kufanele ubone kahle ukuthi iyiphi indlela okufanele wabelane ngayo njalo ngenyanga, ngekota, ngonyaka noma ekuvuthweni. Ngaphezu kwalokho, kufanele ubuze ukuthi kuzoba yini ukwahluka kuleyo idiphozi ngokuya nge-APR nembuyiselo yangempela.

Hlala wazi ukuthi ukusheshe kukhokhelwe inzalo, kulapho i-APR izokwenyuka. Inketho enhle kakhulu lapho i-TIN ne-APR zifana.

Inani lediphozi elincane

Kulokhu, kufanele ubheke ukuthi iyiphi inani eliphansi ngoba uma kwenzeka ucela imali ethe xaxa kunaleyo esifuna ukuyitshala, sekuyisikhathi sokubheka enye idiphozi.

Ukuxhumanisa imali

ungakhetha kanjani idiphozi

Yize iningi le- amabhange anikela ngezinzuzo ezinkulu maqondana nobudlelwano nabo, okusho ukuthi, ukudonswa kwemali eholwayo ngqo noma ukuthola umshwalense othile. Kungenzeka ukuthi lapho uthi nhlá, sibalekela njalo ekuhlanganisweni kwamabhange noma kwinkontileka yomshuwalense, ngoba imvamisa kuba isikhathi eside, kepha uma kukhulunywa ngokuhlala nokubona njengabachwepheshe Iyini inzuzo esinikeza yona ngempelaPhakathi kwezipho nezaphulelo, kunenzuzo enkulu ukwenza lokho kunokuthola elinye ibhange elingasiceli lolo hlobo lokwethembeka.

Amakhomishini akwi-akhawunti yamanje axhunyiwe

Lapho sizokwenza inkontileka yediphozithi yasebhange, sidinga ukuvula i-akhawunti yasebhange engaba namanani aphezulu wenzalo, yize into ejwayelekile kungaba ukuthi lolu hlobo lwe-akhawunti lungabi namakhomishini, kepha imvamisa luza namakhomishini afihlekile ,, okuyinto ethathwa yibhange laseSpain njengomkhuba wobuhle obenziwa yizinhlangano, eziphendula imikhiqizo emihle ibe yimikhiqizo ethandekayo.

Uma kwenzeka sivula indawo yokugcina impahla phesheya

Ngonyaka odlule, inzuzo yamadiphozithi enikezwe ngamabhange aseSpain iphansi kakhulu, okwenze abantu abaningi bafuna ukutshala imali kumadiphozithi aphesheya. Ngaphezu kwalokho, ikwazile ukufinyelela ku-5% kutshalomali lomhlaba.

Ngabe ingavulelwa idiphozi yasebhange kumuntu ongahlali?

Emabhange amaningi, abantu abazofaka idiphozi yasebhange bacelwa umazisi lapho kungabonakala khona ukuthi umuntu uhlala ezweni futhi unomazisi weposi.

Ngubani onakekela imali yakho kumadiphozithi asebhange

Kulolu hlobo lwamacala, akudingekile kuphela ukubona ukuthi yini i- isikhwama sokuqinisekisa ngaphakathi ezweni, kepha siyisekela imali yethu ngaphandle kwaso.
Ezimweni eziningi, noma ngabe i-akhawunti ivuliwe ezweni, ayimbozwa yimali yalelo zwe.

Ibiza malini idiphozi phakathi kwamazwe

Amabhange amaningi anakekela konke ngezindleko ezengeziwe zama-euro angama-30, yize lokhu kuncike kakhulu ebhange.

ESpain: Ukuthola ukuthi iziphi izintela eziseSpain nokuthi yiziphi izivumelwano ezenziwa nezimali zakwamanye amazwe nezwe, kufanele uye ngqo ebhange lakho ukuze uchwepheshe akwazi ukukululeka ngalelo bhange. Kodwa-ke, umthetho ubeka ukuthi:

Abantu abafuna ukukhetha idiphozi yasebhange, ngoba ngonyaka odlule kumele bakhokhe u-20% womholo wabo epulazini. Kodwa-ke, kuya ngezwe ofuna ukuvula kulo imali noma ukuthumela imali yediphozithi, lokhu kuyashintsha. Amazwe anjengeJalimane, iCyprus noma i-Andorra akhokhisa u-0% nezinye izindawo ezifana neSwitzerland zikhokhisa ama-35% kepha zinikeza izinzuzo eziningi.

Uma sifuna ukutshala imali kusuka eSpain kuya e-United States, lokhu kuzothatha u-15% wengqikithi, kepha uma imali ingaze ishiye iSpain kuzofanele sikhokhe u-5% kuphela.

Ngamafuphi

Siyethemba ukuthi sizocacisa ukungabaza kwakho maqondana nakho konke okuphathelene nakho Imali yasebhange.

Ubungabona kanjani, kuningi izinhlobo zamadiphozithi asebhange okufanele aguqulelwe kulokho okufunayo. Ukwazi imininingwane yamadiphozithi kuzokwenza ukuthi uthathe isinqumo esihle kakhulu futhi ngaphezu kwakho konke, ungathatheki yilokho ekuqaleni okubonakala kuyindlela engcono kakhulu kepha kungenjalo. Ngaphezu kwalokho, manje uyazi ukuthi ungafaka imali phesheya kwemali futhi yini ikhomishini ezokhokhiswa ngale nqubo.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.