Ukutshala imali ngegolide

Kwiminyaka emininzi yobukho benkqubela yabantu, iinqwelo ezixabisekileyo ziye zahlala zingundoqo kunye nokuqinisekisa ukuzinza. Utyalo-mali kwigolide luyi-guarantor yezokhuseleko kunye nokunyuswa kwenkunzi.

Ukutshala imali kwiitye ezixabisekileyo

Makhe sibone ukuba inzuzo njani ukutshala imali kwigolide kule mihla, xa i-marhwebo yemali kwelizwe lethu nakwihlabathi lizinzile.

Ukutshala imali kwiimveliso ngokubanzi kwaye ngokukodwa kwigolide, kunjalo, kunenzuzo. Okokuqala, ukuguqulwa kwexabiso laso kuncinci, kuthelekiswa nezinye izinto zokutshala: i-currency, i-oli, i-securities, njl.

Kwangexesha elide, igolide yanda ngokunyuka kwixabiso. Nangona kunjalo, emva kokuba umthetho kaDodd-Frank wamukelwa eUnited States ehlobo le-2010, imeko yatshintsha. Namhlanje, ukufunyanwa kweensimbi ezixabisekileyo kuzuzisa kuphela ukugcinwa kwengxowa-mali, kungekhona ngenzuzo.

Ukutshala imali kwiimali zegolide

Namhlanje iibhanki zikhuthaza ngokuthe ngqo ukuthengiswa kweemali zegolide. Ezi ngqekembe zithatha inxaxheba kwimali yokubuyisela imali, ziyafumaneka kwaye zigcinwe kuma-capsules avulekileyo, akukhuthazwa ukuba zikhishwe kuzo. IGolide yintsimbi epholileyo, kwaye nayiphi na, nangona i-scratch ephezulu kakhulu inokuchaphazela kakhulu ixabiso leemali xa kuthengiswa.

Utyalo-mali kwizinyithi kunye neengqekembe ezivela kuzo zicwangciswe ngokufanelekileyo ngexesha lokuzinza kwimarike, ukususela ngexesha leengxaki, igolide ngokuqhelekileyo inenzuzo yokuthengisa kunokufumana. Kodwa nakhu oku kufanelekile ukuba uqaphele ukuba ukutshala imali kwigolide yonke impahla yayo ayinangqiqo.

Utyalo-mali kwiibhola zegolide

Enye yeendlela ezilula kakhulu kunye neenzuzo zokutshala imali kwiintsimbi ezixabisekileyo kukuthenga iigolide zegolide. Xa ukhetha ibhanki apho uceba ukuthenga ingots, qiniseka ukuba ayithengisi kuphela, kodwa ibuye ithenge ixabiso lentsimbi. Ngaphandle koko, uya kunyanzeliswa ukuba wenze iindleko ezongezelelweyo xa uhambisa iintothi kumbutho ozithengayo, kunye nokuhlolwa kobuqiniso kunye nomgangatho wensimbi eyigugu.

Uninzi lweebhanki namhlanje linikezela ngokutyalomali kwiitye ezixabisekileyo ngokuvula i-akhawunti yensimbi engenziwanga. Kule meko, ngokuthenga igolide, isilivere, i-platinum, njl njl, isitye esinqabileyo, ufumana isivumelwano sokuvula i-akhawunti. Ngaloo ndlela, unako ukuphepha iindleko ezongezelelweyo xa ugcina, uthutha kwaye uthengisa izinto zakho. Kodwa kuyafaneleka ukuba sicinge ukuba lolu hlobo lotyalo-mali aluhambelwanga kwi-inshurensi, ngoko ke kukufanelekile ukuhamba ngokukhawuleza kwimeko yokujonga ukuthembeka kwebhanki oceba ukuyisebenzisa.

Nangona awukho mvelaphi ekuxhaseni imali kunye nemali yokubuyisela, ngaphambi kokuba utyalomle kwigolide nesiliva, qi niseka ukuba uzibonele ngeemeko kwiimarike nakwihlabathi, kunye nezibikezelo zexesha elizayo.