Yintoni yahlukile umnikelo idipozithi, noko imele

Uluntu ayinikiwe ukugcina yaye inokuqokelelana imali, yaye olu phawu luye lwaziwa ixesha elide. Inkqubo lwemali olukhula ngokukhawuleza kwaye usinike ekuchithekeni ukudalwa inkqubo iibhanki. La maziko ukunika abantu ithuba nje ukulondoloza imali yabo, kodwa ukwandisa kubo. Oku kungenziwa ngokusebenzisa eyongiweyo kunye needipozithi. Abaninzi ukuchonga izinto ezinjalo, kodwa ukuba enze ngoko, kulungile. Kweli nqaku siza kuthetha ntoni na yahlukile umnikelo idipozithi.

Yintoni na igalelo

Phantsi igalelo ubandakanya ukutshintshelwa abantu okanye imibutho, iziko cash logcino ukwenzela ukuba igcinwe ngokunqatyisiweyo. Ibhanki, nayo, unyanzelekile ukuba ahlawule umxhasi wakhe isixa esithile kule dipozithi.

Ipesenti esifakwa phantsi isivumelwano, ungafumana zonke ngaxeshanye ngokucelwa mhlawumbi ukurhoxisa ngenyanga.

Yintoni na idiphozithi

Iidipozithi kuthiwa imali nje kuphela kodwa izibambiso ezathi zadluliselwa ngumbutho ukubhankisha ukusetyenziswa okwexeshana ukuba ingeniso kunye nokubonelela ukhuseleko irobust ezongeziweyo.

Oko ukongeza igalelo lemali ukuze eza kunikezelwa phantsi idiphozithi;

• zemali, amatye anqabileyo, bonds kunye nempahla;
• iminikelo ukuba abasemagunyeni yolawulo okanye eyenkundla;
• i elinguvimba ekuthiwa-okanye, ubeke nje, iibhokisi idiphozithi ;
• igalelo igunya amasiko imisebenzi kunye irhafu.

Kuyinto elula kakhulu, ekubeni abaninzi ngeenjongo zokonga imali yabo yokuthenga iimpahla. Ngelishwa, kwihlabathi lanamhlanje ukhohlakele, yaye ngokufuthi ngakumbi sisiva ngalo ubusela, ngoko ke kungcono ukuba ukuphathisa izinto zabo zebhanki.

Yintoni yahlukile umnikelo idipozithi

Le mbono "igalelo" libhekisela ebantwini, ngoxa idipozithi isetyenziswa ikakhulu kumashishini, amaziko kunye iziseko. Nguwo lowo wokuqala, umahluko phakathi idiphozithi evela idipozithi.

yokuqhelaniswa ongqongqo iidipozithi ukuya kwisifundo esithile neeyantlukwano zazo ezinxulumene ngqo uMthetho "On Ibhanki Banking Umsebenzi".

Vula dipozithi nga kuphela abhaliswe ngokusemthethweni ebhankini, nto leyo esisebenza phezu ngokusemthethweni ngokupheleleyo. A ingxaki eyahlukileyo ngokupheleleyo igalelo enokuthi kuvulwa naliphi na iziko okanye umbutho, kungakhathaliseki nokuba ibhanki okanye hayi. Le yenye into ephendula umbuzo malunga umahluko phakathi igalelo ukusuka idipozithi.

Ukongezelela, abantu bangenza idipozithi kuphela ngemali kodwa ngokohlobo ubucwebe kakhulu ngakumbi. Igalelo ayikwazi kuthiwa, njengoko unako khona kuphela ngohlobo lwemali nzima. Nguwo lo ke umahluko phakathi igalelo yedipozithi kunye, mhlawumbi, umahluko ibalulekileyo phakathi kwabo.

Omnye umahluko siyifumana yokuba idipozithi yinkonzo ixesha, umnikelo lingalungiswa ixesha elide de ubizwa ngokuba.

Konke oku kungentla kwaye iya kuba impendulo yombuzo yomahluko phakathi idiphozithi womnikelo.

Izinto eziluncedo yesibambiso

Sowufundile okuninzi malunga yintoni idipozithi yahlukile umnikelo, iinzuzo zezi zinto zimbini, kakhulu, zibaluleke kakhulu.

Inzuzo ephambili idiphozithi ukuqinisekisa ukhuseleko imali yakho kwamaxabiso. Kutheni ukugcina imali kolu luhlu kwebhedi kwaye bukela njengoko "ukunciphisa ubunzima"? Ubusela, kakhulu, iye, ngelishwa, banawo, yaye asifanele silibale ngayo. Amaziko zemali ziya ukukhusela imali yakho ekuhlaseleni ezinokwenzeka. Idiposithi - inshorensi yakho.

Igalelo izibophelele ukonga imali, yaye ngaloo ndlela izisa ingeniso kumniniyo. Ukuze abe nomtsalane ngakumbi abaxumi, iibhanki ziziqhube iimeko nomtsalane ngakumbi, kodwa kufuneka ukhumbule ukuba iidiphozithi kunokuba elide elifutshane kunye zombini kota. Bazise imbuyekezo ngezantsi idiphozithi. Ukuba ufuna ukwandisa kakhulu izimali zabo, ingqalelo ekhethekileyo kufuneka ihlawulwe kwi izinga lenzala.

Eli nqaku liphendula imibuzo emininzi. Ngoku uyazi yintoni umahluko igalelo idipozithi. Umahluko phakathi la magama, kodwa njengoko unako ukubona, encinane. Zinelungelo injongo efanayo - ukugcinwa ekongeni mali yoluntu ingeniso kuhlawulwa, enyanisweni, kuba ithemba labo ebhankini. Kufuneka kuqatshelwe ukuba igama elithi "idiphozithi" kulo mkhuba logcino ibanzi kakhulu elithi "igalelo". Olu lwazi ukunceda sikhethe okulungileyo kwaye ugcine imali yabo nangokuyinzuzo epheleleyo ngokwabo.