Ngabe ama-deposit wesikhathi eside afana nani?

Imali yesikhathi eside, ngenxa yezici zayo ezikhethekile, yenziwa kakhulu njengomkhiqizo wokonga kunokutshala imali. Ngenxa yezici ezimbili ezichazwe kahle kakhulu, lapho enye yazo ingukuhlala unomphela esikhathini sayo futhi ngakolunye uhlangothi kuzodingeka ube yisikhathi eside akukho mali nangaphandle kokwenza ukutakulwa kwanoma yiluphi uhlobo. Ziwumkhiqizo wempilo yonke, uhlobo abazali bethu noma ogogo nomkhulu abaluqashile nolungakaze lwenze uguquko eminyakeni edlule. Ngokwalokhu kubuka, abakunikeli izimanga eziningi ngokwenziwa kwalo ngokusemthethweni.

Kepha kunento eyodwa ebahlukanisa namanye amafomethi okutshala imali futhi ukuthi ingozi ekusebenzeni kwabo ayiziro. Lesi ngesinye sezizathu zokuthi kungani abasebenzisi abalondolozayo bakhetha lesi sigaba samamodeli okonga ngasese. Ngenzuzo encane, yize iphakeme ngandlela thile kunamafomethi anemigomo emifushane yokuba ngunaphakade noma ngemiklamo emisha ngokwengeziwe. Bakhona ekunikezelweni kwazo zonke izinhlangano zamabhange futhi ngeke ube nenkinga yokuzibeka ngokusemthethweni kusukela manje kuqhubeke.

Imibandela yokuhlala unomphela kwalezi zimali ezifakwa ebhange ibanga eliphakathi kweminyaka emi-3 nengu-6 cishe. Lapho ongeke ukwazi ukufeza ukuhlenga, kungakhethi noma kuphelele. Ngaphandle kokuthi, kwezinye izimo, uthatha ikhomishini ngokukhanselwa kwayo kokuqala okuvame ukukhuphukela ku-0,3% wenani elifakiwe. Kepha lokho ezimweni eziningi kuzoba ukusebenza okungeke kube nenzuzo ukukwenza. Ngenkathi ngakolunye uhlangothi, lokhu kungumkhiqizo ongahlanganisi amakhomishini nezinye izindleko ekuphathweni noma ekugcinweni kwawo ngakho-ke ngeke ukubize imali. Enye into ehluke kakhulu inzuzo leyo mikhiqizo yokonga ezokunikeza yona.

Umholo othuthukisiwe

Ozokuzuza ngokuqasha kwabo ukuthi ukhuphule umholo wabo, yize kuphela ngamaphesenti ambalwa eshumini uma kuqhathaniswa namanye amafomethi kumadiphozi wethemu. Kuze kube seqophelweni lokuthi kuzofanele uhlolisise ukuthi kufanelekile yini ukubhalisela kubo isikhathi sokuhlala unwebe njengakulezi zimo. Lesi sinqumo sizoncika ngokuyisisekelo ku Iphrofayili oyethulayo njengesilondolozi kanye nebhalansi ezosala ku-akhawunti yakho yokonga. Ukubhekana nezidingo zemali ozoba nazo kusukela manje kuqhubeke.

Enye yezici ezifanele kakhulu ukuthi ngumkhiqizo olula kakhulu wasebhange ukwenza inkontileka nokuthi ayidingi ulwazi lwezezimali ezibaluleke ngokukhethekile. Akumangalisi ukuthi imishini yakhona kulula kakhulu ukuyifunda nokuyisebenzisa. Ngaphandle kokuba nolunye uhlobo lwezixhumanisi nezinye izimpahla zezezimali. Ngokwalokhu kubuka, ukumiswa kwesikhathi eside ngeke kuhilele izinkinga futhi ngeke ube nezimanga lapho uhlala khona. Akuwona amamodeli anobuthi futhi angaqashwa yibo bonke abasebenzisi. Ngaphandle kwezinye izinhlobo zokucatshangelwa kwezobuchwepheshe.

Kufanele babhalise nini?

Lokhu kusebenza kunconywa kakhulu uma unemali ongazi ukuthi wenzeni ngayo futhi noma kunjalo ngeke uyisebenzisele ukusebenza ezimakethe zezimali. Uma ukwazi ukubekezelela isikhathi eside kangako kungaba yithuba lokuthi imali ifakwe iminyaka eminingi. Kepha hhayi ngenzuzo eheha ukunakwa ngoba lokhu akunjalo. Uma ufuna ibuyela ekongeni Okuphakeme kuzoba ngcono ukuthi uye kweminye imikhiqizo yezezimali, noma ungashiyanga izimakethe zemiholo ezihleliwe. Okungenani zizokusiza ukukhulisa umkhawulo wenzuzo kusukela manje kuqhubeke. Ngembuyiselo engaphezulu kuka-0,70% ngesikhathi intengo yemali ingu-0%. Okusho ukuthi, ngaphandle kwenani.

Izikhathi zamanje lapho inqubomgomo yezimali idlula khona endaweni ye-euro akuzona ezifanele kunazo zonke ukuqondisa ukonga kumadiphozi wesikhathi eside. Ukusebenza kwakhe kuye kwehla unyaka nonyaka kusukela lapho Inkinga yezomnotho izophela ngo-2010. Ngemiphumela yokugcina sonke esiyazi ngenxa yamasu enziwe yi-European Central Bank (ECB). Lokho wukuthi, yisikhathi esihle sokutshala imali, kepha hhayi okonga. Ukufika ezingeni lokuthi izimbuyiselo ezingezinhle zenzeka ezinyangeni ezedlule futhi ezilimaza imali yasebhange yesikhathi eside.

Ngenzalo encane

Emashumini ambalwa edlule, ngalolu hlobo lwemikhiqizo yokonga, inzalo esondele ku-4% ibingatholakala. Kepha izinto zishintshile eminyakeni yamuva nje futhi manje akusenakwenzeka ukuthola imida ebanzi yokulamula. Uma kungenjalo, ngokuphambene nalokho, izinzuzo zonyaka ngeke zanele futhi kunoma yisiphi isimo kuyadumaza ngezintshisekelo zabalondolozi abancane nabaphakathi. Ngaphezu kwalokho, awukwazi ukuwaxhumanisa nalawa masu ahlinzeka ngemikhawulo yesikhathi esifushane. Lapho lesi silinganiso singakhushulwa ngamaphesenti ambalwa eshumini.

Ngenkathi ngakolunye uhlangothi, imali yesikhathi eside ingakhokhi ukwenyuka kwamanani atholakala unyaka nonyaka. Kepha kunalokho okuphambene, njengoba sibona kulezi zinyanga. Ngenkokhelo ejwayelekile kwenziwa ekuvuthweni, yize amanye amamodeli ebeka izinto unyaka nonyaka ukuhlinzeka ngemali ethe xaxa ku-akhawunti yokonga yabanikazi balo mkhiqizo wezezimali. Ukuba cishe ezinye zezimpawu zayo eziyinhloko zobunikazi nokuthi kufanele uzihlole ukuze ubone ukuthi kuyakunxephezela yini noma cha ukwenza lo msebenzi nebhange lakho elijwayelekile. Kunoma ikuphi, kuzoba yisinqumo sakho.

Imali yesikhathi eside: izici

Lesi sigaba semikhiqizo yokonga singenziwa inkontileka yesikhathi esiphakathi kweminyaka emi-3 nengu-6, lapho kungakhethwa khona imali enenzalo ekhulayo, ehlelekile noma ebhekiswe enkombeni yesitoko, ngemali encane phakathi kwama-2.000 no-5.000 ama-euro, iphakeme kunaleyo eminye imikhiqizo yediphozi ngamatemu aphansi. Ngezindleko, kufanele ube nemali engenakunyakaziswa isikhathi eside futhi unamathuba amancane okuyihlenga. Ubhekene nesidingo sokubhekana nezindleko ezingalindelekile, izikweletu kubantu besithathu noma ukumane ukhokhe izikweletu ezinkulu zasekhaya.

Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi ifomula evame kakhulu ukumaketha lolu hlobo lwemikhiqizo yezezimali ukusebenzisa izintshisekelo ezikhulayo, lapho imigomo iseyinde inzuzo iba nhle kakhulu, yize ngamaphesenti angashayi kakhulu kubabhalisi bezintshisekelo , cishe u-1%. Futhi ukuthi ezimeni zokuphromotha kungakhuphuka kokunye okweshumi okuthe xaxa. Kepha noma kunjalo, ngaphandle kwenzuzo ekhangayo kakhulu.

Dala isikhwama sokonga esizinzile

Ezinye izinto ezizocatshangelwa lapho kuqashwa ukuthi imali yesikhathi eside ayifaki ukukhushulwa noma ukunikezwa okwamukelekile okugxila kakhulu kubasebenzisi basebhange, noma okungenani ngamandla afanayo njengakwamanye amafomethi. Yize ngokuphambene nalokho, ezimweni eziningi ingqikithi yenhlokodolobha ebekiwe iqinisekisiwe, okuyi-plus plus yezokuphepha kulezi zikhathi ezineziyaluyalu. Kungaba enye yezindlela onazo uma lokho okufunayo ngaphezu kokunye ukucatshangelwa kungukulondolozwa kwemali yakho eyigugu noma eyomndeni. Kulula kanjalo futhi ngalo mqondo ngeke uyenze inkinga impilo yakho.

Ngakolunye uhlangothi, ukubekwa kwesikhathi eside kungaba yisinqumo esibi uma izimakethe zezimali zikhuphuka noma zisesimweni esiphansi. isigaba esandayo. Kuze kube seqophelweni lokuthi uzolahlekelwa yimali kulezi zikhundla. Ngoba ayisoze yeqa amandla okuthenga entengo amakwe ku-inflation. Lokho wukuthi, ngeke kube umsebenzi onenzuzo wokuvikela izintshisekelo zakho. Uma kungenjalo, kunalokho, kuzoba yindlela yendabuko yokwakha isikhwama sokonga esizinzile kodwa esanele esikhathini esimaphakathi nesikhathi eside. Okungukuthi, ngemuva kwakho konke, inhloso yayo enkulu.

Ama-Akhawunti Wediphozi Avikelekile

Lolu hlobo lwemikhiqizo yezezimali luhlukaniswa ngokuyisisekelo ngoba lungabhaliswa kusuka kunani elincane lenyanga elingabizi kakhulu emindenini, cishe ama-euro angama-50 cishe futhi, lapho kwenziwa inhlokodolobha ephakathi noma yesikhathi eside evumela umnikazi wayo ukuthi aqongelele imali ikusasa kanye nenzalo eliyenzayo. Kunoma ikuphi, kungenye indlela entsha evuleleke kumaphrofayili wabasindisi abazivikela kakhulu noma abalondolozayo ukuze bathole imbuyiselo encane emalini yabo.

Kuyinhlanganisela, ngakho-ke, phakathi kwe-akhawunti nediphozi ngomqondo wendabuko, yingakho igama layo, elinobuncane besikhathi seminyaka okungenani emihlanu, noma ngabe nganoma yisiphi isizathu umnikazi edinga ukuba nemali etshaliwe, angakwazi ukwenza ukuhlengwa okuphelele noma okuyingxenye ngemuva kwezinyanga eziyisithupha kusukela ekuqashweni. Futhi kunesiqinisekiso sokuthi uzolulama njalo, okungenani, u-100% wemali enikelwe kutshalo-mali olwenziwe, okunezela ukuphepha kanye nokusebenza kwakho.


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.