Yiziphi zifakwe ebhange? Kuyini ezifakwa replenishable?

Imali - ngempela umkhiqizo amabhange ethandwa. Nokho, e-West, isidingo esikhulu izimali lezo zibopho futhi emalini. Phendula umbuzo obalulekile ngokuba ukuqonda igama elithi "ezifakwa": iyini depositum? Lihunyushwe kwelesiHeberu elithi Latin - "entweni ekhishwe ukuze alondeke." Imali - izimali idluliselwe ezinye yasebhange ukuze alondeke, kumelwe abuyiswe ngemva kwenkathi ethile yesikhathi ngaphansi kwezimo ezithile.

izinhlobo imali

Asithathe isibonelo eduze ukubukeka ezifakwa: yini "idiphozi kulungisiwe" futhi okunamathiselwe "ngokufunwa".

1. "Kuyadingeka kakhulu" - uhlobo imali. Lokhu utshalomali, okuyinto lungatholakala ngumnikazi nganoma isiphi isikhathi lapho ulidinga. Isibonelo: ngezithukuthuku kwabasebenzi ikhadi.

2. Isikhathi imali - lezi ziyafana imali. Uyini okunamathiselwe kungaba izinhlobo eziningana, kufanele kubhekwe eceleni:

- eside - izinyanga ezingaphezu kuka-9;

- esimaphakathi imali - kusuka 3 izinyanga 9;

- short-term - kuyinto ukutshalwa kwezimali izinyanga ezintathu.

Isici esiyinhloko idiphozi a eside - ukuthi utshalomali kungenziwa kuphela etholwe emva isikhathi esithile esinqunyiwe usuphothuliwe.

Izinzuzo imali

amabhange ezahlukene ezifakwa evulekile. Kuyini okunamathiselwe siyasebenza ekukhuliseni izimali, abaningi abawazi. Kodwa kukhona labo abanesithakazelo ukwazi ukuthi kuyadingeka ezifakwa emabhange. Ingqikithi kweminikelo enjalo - ukubeka imali isikhathi isikhathi ukuze bathole imali enkudlwana ngokuhamba kwesikhathi. Khona-ke kukhona ukubekwa izimali nge kumaphesenti athile. Lawa ma-akhawunti angavulwa ukuze umuntu wemvelo futhi zomthetho. Imali emabhange abadumile lokuthi inzalo kuyo ingaphezu kwe kwamanye ama-akhawunti. Iningi amaklayenti ukuvula i-akhawunti idiphozi, ukubeka imali sabo esikhululekile isikhathi esithile ukukhiqiza inzuzo. Lunini inkontileka phakathi kwebhange iklayenti, imali kusukela akhawunti (yamanje) we depositor kufanele zifakwe ku idiphozi. Lapho leli gama yesivumelwano, imali izobuyiselwa.

Yini ukubheka lapho uvula idiphozi

Ake sithi unquma sivule i-akhawunti enjalo. Okokuqala, unqume ngokuthi ingakanani imali ungakwazi abeke. amabhange Yemfihlo kulokhu ingenye: okokufaka ngaphezulu, intando kangcono futhi isithakazelo. Njengomthetho, ukuthola amazinga best abe umbundu, isibonelo, i-akhawunti akufanele kube unaphakade ngezansi $ 1000. Ngaphambi kuvulwa idiphozi akhawunti sihlaziye hhayi kuphela zamanje engenayo / izindleko, kodwa futhi ukuhlela kubo. Kubalulekile ukuba abale zonke ukuze kwakudingeka kube ujahwe ukuhoxisa izimali zabo, ukulahlekelwa ezinye inzuzo.

Khetha lwemali

Ochwepheshe bathi kubalulekile ukugcina imali lwemali lapho sihlelwe ukwenza ukuthenga ukuze singalahlekelwa lutho exchange. Inzuzo livela ezifakwa eside. Izikhathi Delivery zingahluka kusuka 1 inyanga ukuze ngemva kweminyaka embalwa. Akubalulekile ukuba ucabangele inzalo nesidingo utshalomali njengoba ithuluzi utshalomali ebalulekile ngoba abangelutho.

inzuzo

Income kuxhomeke okunamathiselwe, nge ubude mkhulu futhi amaphesenti ngenhla. Depositor kubalulekile ukunquma esingakanani angakwazi nemali. Ukuze ukuhoxiswa ekuseni kwezimali, njengoba umthetho, kufanele ukhokhe. Nokho, unikezwa mncintiswano eqinile, amabhange ngokuvamile ukunikela ezimvunayo kumakhasimende abo.

Kukhona imali, ukuhlinzeka ngemibandela ethile, uma kunesidingo esiphuthumayo ukuhoxisa izimali kumakhasimende. Kulokhu, inzalo kungancipha, kodwa hhayi ngokuphelele kude. Phawula indlela accrual kwezinhloso zenzuzo, lokhu kwenziwa ngaphansi izikimu ezahlukene.

Savings Bank ezifakwa athandwa kakhulu phakathi kwabantu. Ikakhulukazi abantu banesithakazelo ukuze ubuyise idiphozi. Lidonsa amakhasimende bangafaka izimali ngenyanga nengcosana ukugcinelwa ukuthenga ezinkulu, ukuhamba eholidini. Ubuyise umnikelo onjalo kungaba nge-e-yasebhange, okuyinto ekahle kakhulu abanikazi bamakhadi ebhange.