Idiphozi yaseBhange. Yini engiyidingayo uma ngivula i-akhawunti?

Namuhla, ukuthandwa kwamabhange e-bank izikhathi eziningana ngaphansi kwezikhathi zaseSoviet. Izakhamuzi eziningi ze-USSR zinezincwadi zokulondolozwa, lapho ngazo zonke izinkokhelo zibeka imali emotweni, ngokubambisana, ingubo, ifenisha, umshado noma nje "usuku oluluhlaza". Esikhathini sethu, idiphozi yasebhange isetshenziswa kakhulu ngabantu abaneminyaka ephakathi nendawo asebekhulile (kusukela ku-45 nangaphezulu). Abantu abasha bakhetha amakhadi asebhange ukugcina izimali. Lokhu kungaphezulu kweselula kunomnikelo ebhange, ngoba imali iseduze. Futhi banda imali yabo, batsha imali imali ngemali yomphakathi, ingcebo noma ibhizinisi.

Kodwa ngezinye izikhathi kunezimo ekuphileni lapho kubalulekile ukuvula idiphozi yasebhange ukuze ugcine imali, isibonelo, eholidini noma ekufundeni ingane. Noma mhlawumbe udinga ukulondoloza imali eningi okwesikhashana, kodwa hhayi ekhaya (ukuze isandla singathathi). Ngaphambi kokuba uye ebhange, kuzomele uziphendule eminye imibuzo bese unquma ukuthi imali yakho ibhitshi kakhulu.

1. Okokuqala, yiqiniso, sikhetha ibhange, kodwa hhayi ngobukhulu besilinganiso senzalo esithembisa ukukhangisa, kodwa ngokuthembeka nokuzinza. Buza umxhumanisi uma ibhange lihlanganyela ohlelweni lomshuwalense wombuso. Ngokusho kwalolu hlelo, ama-ruble angafika ku-700,000 ahlinzekwa yi-state. Izinhlangano zemikweletu ezingabazeki ezikhona ngaphandle kwesikhathi sonyaka, kodwa zithembisa izithakazelo eziphezulu, zithole. Khumbula mayelana noshizi mahhala ku-tracktrap.
2. Hlela ukuthi uzoyiphishekela yini injongo: kuphela ukulondoloza noma ukulondoloza nokuphindaphinda. Yini ebaluleke kakhulu kuwe: ukuthola imali ngenzuzo yesithakazelo noma ukufihla imali kuwe? Idiphozi yasebhange ihlukaniswe yaba izinhlobo ezimbili: ngokufunwa futhi okuphuthumayo. Isicelo sokufaka idiphozi engatholakala nganoma isiphi isikhathi. Idiphozithi yegama ivuliwe isikhathi esithile. Uma isikhathi eside, isikhathi esingaphezulu uyothola. Ukuvala idiphozi ngaphambi kwesimiso, ulahlekelwa ithuba lokuthola inzalo. Kodwa usathola imali yakho. Ukufunwa kwezindleko kunezindleko ezincane. Amabhange amaningi afana nalawa ma-deposit kanye nama- akhawunti wekhadi lesebhange .

3. Kumele uthathe isinqumo sokuthi uzogcwalisa noma uhoxise izimali, mhlawumbe uzokwenza kokubili. Ukukwazi ukwenza izenzo ezinjalo kuxhomeke kwisilinganiso senzalo. Uma kungenakuqhathaniswa ne-deposit yasebhange, imali ephezulu ehola ngayo. Amanye amabhange anikezela imali lapho kungenzeka khona ukubeka umkhawulo ongenamkhawulo, okungukuthi, ukusebenzisa imali kuze kube sezingeni elithile elingenakulinganiswa.
4. I-Capitalization. Leli gama lisho ukuthi isithakazelo sitholakala ngenzalo, okungukuthi, uma uvula idiphozithi yonyaka, khona-ke imali yokuqala yenyanga ngayinye ihlongozwa ngaphansi kwemigomo yediphozi. Ngakho-ke, kwikota yokuqala, inzalo izokwengezwa ebhalansi yediphozi yakho, nasemigodini yesibili kanye nelandelayo, inzalo izokongezwa kwinani lediphozi kanye nenzalo ebalwe ngaphambilini. Lokhu akukona okuningi, kodwa kunenzuzo kakhulu kuneziphophozi, imali engenayo engayithola kuphela ekupheleni kwethemu.
5. Inzalo yesithakazelo. Kwabanye, lokhu kungukungqubuzana okuyinhloko. Kodwa ungakhohliswa ukukhangisa okukhulu ngo-15%, kodwa thola izimo ze-deposit kuqala. Ibhange elihle kakhulu livuleka isikhathi eside nesamba esincane semillion eziningana.

Yonke le mibandela kufanele ibhaliswe kwisivumelwano sediphozi, esenziwe ebhange. Funda ngokucophelela idokhumenti yokuba khona kwamakomidi ahlukahlukene. Ezinye izikhungo zezikweletu ezinikezwa nge-intanethi ye-intanethi zifaka imali nge-intanethi ngokudlulisa izimali ezivela ekhadini lebhange.

Ukwazi zonke lezi zingu-nuances, ungakhetha okungcono kakhulu kwebhange lakho.