Ngabe idiphozi yasebhange ingakhanselwa?

khansela Enye yezinkinga ezinkulu ezithintekayo ekutholeni imali ebhange iqiniso lokuthi iminikelo yemali ingatholwa uma seyenziwe ngokusemthethweni. Yilokho okubizwa ngokuthi ukukhanselwa kokuqala futhi okungasetshenziswa kukho ukuhlenga okuncane noma okuphelele. Lesi simo singakhula ngenxa yokushoda kwemali kubanikazi bayo ezimweni ezithile ezingase zivele. Phakathi kwalezo ezivelela ubukhona besikweletu kubantu besithathu, izibopho zentela noma esinye isidingo sokubalwa kwemali emakhaya. Ngokwezinga lapho kudingeka khona ukuthi usebenzise imali kusuka kuma-term deposits.

Imali efakwa esikhathini inezikhathi zokugcinwa okufanele zigcinwe ngokucophelela. Zingaba izinyanga eziyi-6, 12, 24 noma ngaphezulu. Kodwa kwenzekani uma esikhathini sokusimama amaklayenti adinga ukusebenzisa lezi zimali? Okokuqala, ngeke kube khona okunye ongakwenza ngaphandle kokuhlaziya ukuthi ngabe usenkontileka yini lokhu kuphuma kwemali kuvunyelwe. Ngoba kuzo zonke izimo isimo esifanayo asihlali sigcwaliseka. Ukufika ezingeni lokuthi kungadala ukungaqiniseki okungaphezu kokukodwa mayelana nokuthi yini okufanele uyenze njengomfakisimali oyikho.

Kulesi simo esivamile, okuvame kakhulu ukuthi awukwazi ukuhlenga, noma kancane noma ngokuphelele, futhi kuze kuphele isikhathi. Iqiniso elingadala inkinga engaphezu kweyodwa kubasebenzisi bebhange futhi okungenzeka ukuthi kwenzeke kuwe ngesikhathi esithile empilweni yakho. Noma kunjalo, kule ndatshana sizochaza konke izimo ezingase zivele ukuze usisombulule kahle lesi simo. Akunandaba noma ngabe kufanele uthole ikhomishini noma inhlawulo yalesi sehlakalo. Ngoba kuzobaluleke kakhulu kwizintshisekelo zakho kusuka manje.

Amakhomishini kumadiphozithi

amakhomishana Imvamisa, ama-term deposits aphethe ikhomishini yokukhansela kusenesikhathi futhi inani laso livame ibanga eliphakathi kuka-1% no-3% kuzintshisekelo zalo mkhiqizo obalulekile webhange. Yebo, ingxenye enhle yale mikhiqizo yezezimali ifaka inhlawulo yalezi zici uma uhlobo oluthile lwe khulula ngeminikelo yemali. Kungaba ingxenye noma okuphambene ngokuphelele nenani elitshaliwe. Kodwa-ke, kufanele kuvezwe ukuthi kuyizinga lenzalo etholwe yintela hhayi kunhlokodolobha otshaliwe. Umehluko omkhulu okufanele uwuthathe uma uzobhekana nalesi simo.

Ngakolunye uhlangothi, kubaluleke kakhulu ukwazi ukuthi lezi zinhlawulo kufanele zifakwe enkontilekeni yalo mkhiqizo. Ngoba ukube bekungenjalo, amabhange abengeke akukhokhise noma yiluphi uhlobo lwekhomishini ngoba ubungayifuna khona manjalo ngokubuya kwayo okulandelayo njengoba kubhekwa njenge isigatshana esihlukumezayo. Ngokuvamile, ama-term deposits afaka ikhomishini yalezi zici ukuze ube nemali ebekiwe kuze kufike umzuzu oqondile wokuphelelwa yisikhathi. Lapho uzothola khona iminikelo yakho yezezimali kanye nezintshisekelo ezihambisanayo.

Amasu wokungakhokhi amakhomishini

Noma kunjalo, futhi ukuzama ukuzungeza lezi zindleko ezincane ezinamadiphozithi asebhange, unayo enye indlela engakusiza ukuthi uqukathe le ndleko. Enye yazo iqukethe imali ekhishelwayo mfushane ngokuya ngobude bendawo yokuhlala. Lokho wukuthi, ezinyangeni ezi-1, ezi-2 noma ezi-3 ukuze ube sezimeni ezingcono ekuthengisweni kwe-akhawunti yakho yokuhlola. Akumangazi-ke ukuthi kulezi zikhathi kunzima kakhulu ukuthi ube nokuphuthuma okuholela ekutheni ukhiphe inhloko-dolobha yakho. Ukubhekana nezikhathi zokugcina ezimfishane ngaso sonke isikhathi kuyisixazululo esisebenza kahle kakhulu sokugwema ukuwela kulesi sehlakalo esingakudalela inkinga engaphezu kweyodwa kusukela manje.

Enye yezindlela onazo zokugwema lesi simo ngokuyisisekelo ibandakanya ukungatshali imali yakho yonke oyongile. Uma kungenjalo, kunalokho, kuzokwanela lokho Hlela kuphela ingxenye yabo. Ngale ndlela, ngokuqinisekile ngeke usebenzise i-deposit yakho uma ungenayo ibhalansi enhle ku-akhawunti yakho yokonga. Ngale ndlela, kufanele ucabange ukuthi izindleko ezingalindelekile zihlala zivela minyaka yonke. Isibonelo, isikole sezingane, ukukhokhwa kukadokotela wamazinyo noma ngisho nesikweletu esingalindelekile phambi kwabantu besithathu. Ukuthi kungadala inkinga enkulu kuma-akhawunti akho.

Imali efakwa ngomusa: akukho ukuhlengwa

izipho Imali yesikhathi imakethwa ngaphansi kwamamodeli ahlukile kanti amanye awo awavumeli ukukhanselwa ngaphambi kwesikhathi. Yilokhu okwenzekayo ngokufakwa kwemali ngendlela yokuthi akuvunyelwe ngaphansi kwanoma yiziphi izimo ukuthi ungakwazi ukukhipha imali kusenesikhathi. Kufanele ukhumbule ukuthi lesi sigaba se-impositions sibonakala ngokuyisisekelo ngoba asinikezi abanikazi baso imali yemali, njengoba ngakolunye uhlangothi kujwayelekile. Uma kungenjalo, kunalokho, isijeziso sabo senziwa ngezipho eziyela ngasocansini.

Yebo, uma unenkontileka ngomunye wale mikhiqizo yasebhange, ngeke ube nenye into ngaphandle kokuthi ulinde ukuphela kwayo ukuze ube nayo yonke imali oyongile. Azikuvumeli ukuthi wenze noma yikuphi ukuhlengwa, noma okuyingxenye noma okuphelele, ngoba izipho abazinikeza ngesikhathi esifanele ubhalisela umkhiqizo. Lokho wukuthi, ekuqaleni hhayi ekuvuthweni, njengoba kunjalo ngengxenye enhle yesibambiso sesikhathi. Ngaphezu kwalokho, okunye kokuphazamiseka kwayo ukuthi lesi sigaba semikhiqizo sinesikhathi eside sokugcinwa kuneminye imikhiqizo. Ziphakathi kwezinyanga eziyi-12 nezingu-36 lapho ungenakwenza lutho ngokuphelele uma udinga imali. Kuyinto elula ukuthi ungayikhohlwa ukugwema esinye isimo esingemnandi.

Vuselela izintshisekelo

Esinye sezimo ezingakhiqizwa ngalezi zikhathi ukuthi uphambi kwediphozithi, okuthi empeleni, ingacabangi ngamakhomishini noma izinhlawulo zalo mqondo. Kepha lapho ungeke ube nenye indlela ngaphandle kokuphinda uxoxe ngezintshisekelo zakho uma usikhansela kusenesikhathi. Kuze kube seqophelweni lokuthi izimo ezintsha ngeke zisizakale njengezintshisekelo zakho njengakuqala. Ngoba empeleni, inani lenzalo abakunikeza yona lingehliswa kuze kufike kwengxenye ngenxa yalesi sidingo sakho. Kuze kube seqophelweni, ukuthi ngandlela thile, uzobe ubhekene nomkhiqizo wezezimali ohlukile kunalowo owawunenkontileka ngawo ekuqaleni.

Ngakolunye uhlangothi, kuyalulekwa futhi ukuthi uhlaziye ukuthi ngabe lolu hlobo lokumiswa lukulungele yini ukuthi uqashe noma mhlawumbe aluthandi izintshisekelo zakho njengesilondolozi esincane. Ngalo mqondo, akukho kungabaza ukuthi kuzosho ukwehla maqondana nenzuzo umsebenzisi angayithola. Olunye uhlobo lwamadiphozithi olungafaki amakhomishini kuzoba lawo anamagama amafushane, angafika ezinyangeni ezi-3 okungenzeka angakhonjelwa ekukhishweni kwemali ngabanikazi bawo. Kokunye konke, okokukhuthaza noma kwe- kuxhunyaniswe nezinye izimpahla zezimali izoqhubeka ngaphandle kokukwazi ukwenza lo msebenzi wezimali.

Ingabe kulula noma cha ukubaqasha?

idiphozi Kunoma ikuphi, iklayenti kufanele lihlaziye ukuthi kulula yini ukubhalisela ukufakwa ngaphansi kwalawa makhomishini. Njengoba inzuzo emaphakathi yale mikhiqizo yezezimali njengamanje ingu-0,12%. Njengomphumela wesinqumo se-European Central Bank (ECB) to yehlisa intengo yemali futhi lokho sekuholele ekutheni inzalo ngalesi sikhathi ibe ngu-0%. Lokho ukusho ukuthi, emlandweni ophansi, isici esilimaza ngempela inkontileka yanoma yiluphi uhlobo lwama-deposit ebhange. Ukulimaza amanye amamodeli wokutshala imali, njengezimali zokutshala imali ezingaletha inzuzo enkulu ekulondolozeni, yize kungenakuqinisekiswa nganoma yisiphi isikhathi.

Manje lapho udinga ukwenza ukutakula kuzoba isikhathi sokuhlaziya ukuthi injani imali oyibeke ngokusemthethweni futhi waqokomisa ngayo uma kunenzuzo ukwenza lesi senzo. Ngoba ungathola ukuthi inzalo ezongena kwi-akhawunti yakho yokonga izoba incane. Kufana nokubuza ukuthi kufanele yini ukufaka imali isikhathi eside kumkhiqizo webhange walezi zici. Ngoba ekugcineni kosuku ngeke kube yisinqumo esihle sokuvikela izimpahla zakho. Akumangalisi ukuthi kuzoba nama-euro ambalwa kakhulu azoya kubhalansi ye-akhawunti yakho yokuhlola.

Ngokwalo mbono, ama-akhawunti akhokha kakhulu angaba yisixazululo esingcono sezintshisekelo zakho. Ngoba ngaphandle kokwenza ngcono ukusebenza, uzohlala unemali ephelele kunani onalo. Ngaphandle kwanoma yiluphi uhlobo lwamakhomishini noma izindleko ekuphathweni noma ekugcineni. Ngale ndlela, ngeke ube nezinkinga ezifakwa yimadiphozi okwamanje. Ngoba inzuzo yayo ephansi ihlanganiswa neqiniso lokuthi ngumkhiqizo ovele kancane kakhulu eminyakeni yamuva. Kufika eqophelweni lokuthi abatshalizimali baphendukela kwamanye amamodeli wokonga aguquguqukayo ngenani lenzalo ethe xaxa. Imelwe yizinhlobo ezithile zama-akhawunti nezimali zokutshala imali ezisuselwa kumholo ohleliwe


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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.