Emakhulwini amaningi eminyaka yokuba khona kwentuthuko yabantu, izinsimbi eziyigugu ziye zahlala zingumgcini omkhulu kanye nesiqiniseko sokuzinza. Ukutshala izimali ngegolide kwakuyi-guarantor yokuphepha nokukhushulwa kwenhloko.
Ukutshala izimali ngamatshe ayigugu
Ake sibone ukuthi inzuzo kanjani ukutshala imali ngegolide kulezi zinsuku, lapho imakethe yezimali ezweni lethu nasezweni lingenakwenzeka kangaka.
Ukutshala izimali ezinkambeni ngokujwayelekile ikakhulukazi egolide kunezinzuzo zayo. Okokuqala, ukuguquguquka kokubaluleka kwayo kuncane kakhulu, kuqhathaniswa nezinye izinto zokutshalwa kwezimali: imali, amafutha, ukuphepha, njll.
Sekuyisikhathi eside igolide landa ngokubaluleka. Nokho, ngemva kokuba umthetho kaDodd-Frank wamukelwa e-United States ehlobo ka-2010, isimo sashintsha. Namuhla, ukutholakala kwezinsimbi eziyigugu kuzuzisa kuphela ukulondolozwa kwezimali, hhayi imali engenayo.
Ukutshala imali ngemali yegolide
Namuhla amabhange akhuthaza ngokuthe xaxa ukuthengiswa kwemali yegolide. Izinhlamvu zemali ezinjalo azibandakanyi ngemali yokuthenga imali, ziqoqwa futhi ziyagcinwa kuma-capsules obala, akukhuthazwa ukuba zikhishwe kuzo. Igolide iyinsimbi esithambile, futhi noma yikuphi, ngisho nokuqala okuncane kakhulu kungathinta kakhulu inani lenhlamvu lapho kuthengiswa.
Ukutshala izimali ezinsimbi nezinhlamvu ezivela kuzo kuhlelwe kahle ngesikhathi sokuzinza emakethe, kusukela ngesikhathi sezinkinga, igolide ngokuvamile lizuzisa ukuthengisa kunokuthola. Kodwa nakhu kuyadingeka ukuthi ukutshala izimali ngegolide yonke impahla yayo akunangqondo.
Ukutshalwa kwezimali kugalaji yegolide
Enye yezinketho ezilula kakhulu nezinzuzo zokutshala imali ngempahla eyigugu ukuthenga imigoqo yegolide. Lapho ukhetha ibhange ohlela ukuthenga ingots, qiniseka ukuthi akugcini nje ukuthengisa, kodwa futhi uthenga insimbi eyigugu. Uma kungenjalo, uzophoqeleka ukuba uthole izindleko ezengeziwe uma udlulisela ama-ingots enhlanganweni ewathenga, kanye nokuhlola ubuqiniso nekhwalithi yensimbi eyigugu.
Amabhange amaningi namuhla anikezela nokutshala izimali eziyigugu ngokuvula i-akhawunti yensimbi engenziwanga.
Ngisho noma ungazi ukuthi uthola imali nokubuyisela imali, ngaphambi kokuba utshale imali yegolide nesiliva, qiniseka ukuthi uzijwayele isimo esimakethe nasemhlabeni, kanye nokubikezela isikhathi esilandelayo.