Apho ukutyala imali kwi lobunzima: neendlela ezingcono kunye okuyingozi

Utyalo i isiqinisekiso lozinzo zemali, intlalo-ntle yomntu mihla. Imali kufuneka ungenise ingeniso. Kodwa ngaba ukuqinisekisa ukuba xa lizwe busezingxakini? Apho ukutyala imali ingxaki?

yotyalo-mali

Ngokutsho indlela yokuzalisa imali, kukho iindidi ezintathu zabantu: babebambelele, "extremals" kunye umnqamlezo phakathi kwezi ntlobo zimbini. Kwaye xa sithetha ingxaki apho imeko zelizwe zoqoqosho iyahlozinga enze naluphi na uqikelelo engasetyenziswa nkqu iingcali-abahlalutyi, ngoko ke kungcono ukuba ukulandela umzekelo babebambelele nokutyala imali kuphela kwimithombo ethembekileyo. Ngoko ke, sijonga oko ingqalelo utyalomali ethembekileyo apho ukutyala imali enengxaki?

"Amaxabiso ongunaPhakade '

Kufuneka kusoloko kubekwa kwi "amaxabiso engunaphakade", nangokwemimiselo eziphathekayo wokwenene estate kunye negolide. Yiyo lo mhlaba uya kusoloko kwixabiso, iyawa amaxabiso kolu didi lotyalo ayinamsebenzi. Indlu, umzekelo, imali ngohlobo rent. Kodwa igolide zingathengwa nje kuphela ngohlobo izacholo, kodwa akhawunti zesinyithi ezingabiwanga kwimigangatho. Kwimeko yokugqibela, ingeniso eyenziwe ngokwandisa inani legolide kwimarike iintsimbi. Loo umnikelo kuthathwa ukuba enye ethembekileyo ngakumbi "imidlalo 'imali eninzi kwaye sifanelekile kakuhle imiqathango ntlekele.

deposit

Apho ukutyala imali lobunzima, endaweni yesibini? akhawunti Bank, iidiphozithi ekuthiwa, usindisa ze wonge imali. Ukuba uvula idiphozithi ngaphandle ithuba ukurhoxisa imali kwisithuba sonyaka okanye iminyaka emibini, ngoko phinda imali yakho kwi-6% ngonyaka, kwaye i-Savings Bank of Russia - nge-8.5%. Kukho, Kakade, iingcebiso kunye 13-14%. Nganye into ekufaneleke ukuba siyicinge: sinikele ingqalelo imihla esikiweyo, ubuchule uyitshaje, imiqathango yedipozithi kunye neziphumo ukuba ngebhaqo sithulwe imali ngaphambi kwexesha.

Kodwa uphakamisa omnye umbuzo, imali kuyo ukuvula i-akhawunti? Dollar, Euro, imali engange - basoloko ukutshintsha ixabiso labo. Ngaphandle kwento yokuba lobunzima kwi US kukhokelele owaziwayo ukunyuka euro kunye ukwehla dollar, ukuba imali engange angafanele ukuguqulela yonke imali yabo kwi lwemali yaseYurophu. Iingcali Sicebisa ngokugcina imali ebhankini kuzo zonke ezi zezimali, ukuze unciphise ilahleko (malunga Win, wolahlekwa ndaweni ithile, yaye ekugqibeleni imali liyalondolozwa kwaye liphindaphindwe umyinge wenzala ngamnye ngonyaka). Olu khetho elula kunaleyo azame ukubala inzuzo: ukuthatha kwi kwamaxabiso ingqalelo, lixabiso kunye namazinga enzala iidipozithi engange (6%), iirandi US (2%), i-Euro (3%).

Nika ebhankini ukuze ukutshintshela kwi-akhawunti yokonga zakho iintlawulo zenyanga (imivuzo, izibonelelo, imihlala-phantsi), ngokuzenzekela isixa esithile kwi -akhawunti Escrow kwi mali ka-10% yengeniso. imali ntiyiso kakhulu ukuze kuvulwe i-akhawunti, nangona iibhanki bazimisele ukuvula phezulu kuwe iindleko 1000 engange., ke ngoko kunyaka efunde bit.

imali Mutual

Apho ukutyala imali lobunzima, ngokukhawuleza abatyali "oqeqeshiweyo", baqhele ukutyala kwiiprojekthi zoshishino ethembisa ekuphuhliseni iinkalo zobomi kazwelonke (co-ulwakhiwo). Ukususela kwicala weza mali efanayo - abatyali mali mali ngokubanzi. Kwaye kunye nophuhliso kule fomu lotyalo-mali, iingcali ezininzi ukanti abahlalutyi baqalisa ukucinga ukuba ugcine imali ifakwa, becacisa oko malunga efanayo mali ukuthembeka. Nangona kunjalo, imali kwiingxowa mutual unyusa enkulu, kodwa kwangaxeshanye yindlela zomngcipheko kutyalo-mali, ingakumbi xa kukho ingxaki, xa zonke iimali stock ungatyeki kulo ixabiso, yaye akukho namnye unako ngokuchanileyo ukuqikelela xa iza kuqalisa ukukhula kwakhona. Kodwa ... iinkonzo Internet ezininzi kwi-web sayithi iibhanki zinceda ukubala imingcipheko ukuba iibhanki efanayo zinika iinkonzo nabaphathi babo ukulawula utyalo-mali lwakho kwi trust. Igalelo zisezantsi mali mutual-15 amawaka. Thambisani. Oku kuthetha ukuba, ukuba ufuna zingenziwa zibekho le ndlela imali kubo bonke Russian.

izibambiso

Indlela eyahlukileyo ngokupheleleyo lotyalo - ezi securities (iziqinisekiso amatyala exchange). Ethengelwe imali zokugcina. Ukuba zingasetyenziswa nezibophelelo mali-mboleko. Kodwa ukuba ufuna apho ukutyala imali eninzi, ukuba ukulahlekelwa ngabo - oku yeyona ndlela ilungileyo. Uya kudinga uncedo ingcali ethembekileyo emarikeni lwako, ukuze ufumanise ukuba yeenowuthsi okanye izatifikethi ngoku "kwixabiso".

Apha kokuba siphendule lo mbuzo, apho ukutyala imali kwi lobunzima: kwizinto eziya kusoloko ixabiso kwimigangatho ethembekileyo iidipozithi phantsi ingeniso rhoqo-6% ngo-mali efanayo nezibambiso. Khetha into nisondelelane ...