Isivumelwano ebhange: incazelo, izinzuzo, zokulawula nohlaka olubhekele

Idiphozithi - enye yezindlela ezivamile futhi owaziwa ukutshala izimali zabo. Naphezu izindlela eziningi ezahlukene ukuthi zisebenze nokulingana (utshalomali, uthumele ukuthemba ukuphathwa, iqhaza exchange stock), ukufaka imali ebhange sivumelwano - a inzuzo, ephephile futhi enokwethenjelwa izindlela buthelela imithombo yezimali.

Yini ebangela ukuthandwa imali? Ake uqale nge yokuthi inkontileka ka ebhange - siyindlela ngokuphelele ephephile imali imali, njengoba ngokuvumelana neziqondiso zamanje, imali iningi insured, ngakho uma isikhungo sezezimali kuyoba ezikweletini, ngeke ulahlekelwe imali yakho (ngokungafani mutual funds abaningi, lapho umshwalense utshalomali, njengoba umthetho, ingabi khona). Ngaphezu kwalokho, umnikelo kungenzeka yemikhiqizo ongaphakeme incephezeliswa yibhange senzalo, uma kuqhathaniswa nabangu-exchange Ukuhweba utshalomali siyindlela eziqinile buthelela dolobha.

Izinhlobonhlobo iminikelo, emigqeni ahlukahlukene ezimele cishe njalo yasebhange manje ikuvumela ukuba ukhethe enenzuzo kakhulu futhi ekhangayo idiphozi ikhasimende ngalinye. I izici ezibaluleke kakhulu imali zihlanganisa izinto ezilandelayo:

• kungenzeka ukususwa esinqunyiwe kanye umthamo wemvula;
• ukungasathandi ngoba befuna imbuyiselo ekuqaleni we idiphozi;
• ngendlela futhi isikhathi Isithakazelo;
• prolongation othomathikhi;
• I minimum futhi esiphezulu deposit lemali.

Ukuze udale idiphozi phakathi isikhungo sezezimali kanye depositor liyadingeka usayine inkontileka ka ebhange. Umqondo kuhilela ukwamukela imali ebhange isamba esithile semali, bese ubuyela emva isikhathi esithile esinqunyiwe ngaphambi lemali adlulisiwe, kanye nenzalo idiphozi. Isihloko, elawula kwezinkambiso yesivumelwano idiphozi - inani lemali okuyinto idluliselwe idiphozi.

Inkontileka ka ebhange unika ukutshala kwesokudla ukuletha nezicelo ngokumelene ebhange elihlobene ne ukubuya lemali idiphozi futhi inzalo enqwabelene ku idiphozi. Kulokhu, noma yimiphi imisebenzi zimali lapho phambi isikhungo sezezimali, okungukuthi, Kuleli phephandaba sisungula kuphela isibopho esiphathelene ne-yasebhange depositor. Kuyaphawuleka ukuthi ibhange ayinakho amalungelo ngaphansi esimisweni esifanayo idiphozi kokufaka abanikeli obehlukene izimo ukungalingani engawamukeli imali umnikelo lohlelo, uma wonke nendlela yokufaneleka ifinyelelwe. sivumelwano Idiphozithi ngokomthetho kulawulwa ekhona zokulawula nohlaka olubhekele.

Vula iminikelo akuzona abantu kuphela, kodwa futhi izinhlangano. Ngaphambi ukudluliswa imali idiphozi kubalulekile ukuze wenze isiqiniseko sokuthi i-isikhungo akhethiwe zezimali inelayisense ukunikeza ilungelo lokuthatha ezifakwa izimali. Le mfuneko kulawulwa the Civil Code of Russia (Article 835).

Isivumelwano ebhaliwe ebhange Kumelwe zidalwe phezu ngesicelo okuxhunyanwa izimali. Kulokhu, kunezinhlobo ezimbili eziyinhloko imali "ngokufunwa" neziphuthumayo. Kungakhathaliseki uhlobo idiphozi futhi uhlelo idiphozi yasebhange kumele ubuyisele inkokhelo egcwele idiphozi ebukhoneni isicelo kusukela depositor. Okunye izenzakalo ezingase olunikezwa inkontileka idiphozi, Nokho, noma kunjalo, incazelo imithetho yokwenza imali yomnikelo kungaba akuphikisani umthetho ezikhona.

Ukuphetha, kuvulwa idiphozi kufanele kuhambisane yokubhalisa yisivumelwano esibhalwe phansi. Izivumelwano ezinjengalezi zingase ethulwa yamapasi noma isitifiketi noma ezinye idokhumenti ebhange elawula imithetho izimali ukubeka ku idiphozi futhi ihambisana umthetho.