Iidipozithi imfuno: izinto eziluncedo, ezingeloncedo, bokuqonda design

Emva kokufumana isixa esikhulu semali emva intengiso izinto ziyaziswa (umzekelo, imoto okanye indlu), umthengisi ubotshiwe ukhathazeke ngokhuseleko imali. Iingcali ezininzi Siyaleza ukutyala imali kwimeko ukuba basebenze (kwaye oku kwenza ngokwenene ingqiqo). Kodwa kukho amaxesha xa uyithengisa imoto (indlu, Cottage), umntu uceba ukuthenga kungekudala omnye, ngoko ngayo nayiphi "umsebenzi" imali inokuba akukho mbuzo.

Kwelinye icala, xa zikhangela lokuthenga emitsha Kungathatha ixesha elide, apho imali kufuneka zigcinwe kwindawo ethile.

Enye Ukrainian lunee ntlobo ezininzi impumelelo kwezi meko ithathwa idipozithi imfuno.

Uyakwazi ngokuqinisekileyo ukuqesha i ukhuseleko ibhokisi idipozithi kwaye ugcine imali apho, kodwa kulo mzekelo, irenti kuya kufuneka ukuba uhlawule.

Kwimeko efanayo, xa uvula ukufakwa kwemali, phezu koko, ibhanki iya kuhlawula inzala abagcinisa.

Kakade ke, ukuba uvule idiphozithi kwimfuno, ngamazinga aphezulu nzala ulindele musa ukuba (kwimigangatho ezininzi musa ukudlula-1% yereyithi kwi iidipozithi ezinjalo), kodwa kukho izenzo ezinjalo ukuba ukwenza imali, yaye ukuba bangakhathazeki malunga nokhuseleko imali .

Inzuzo ephambili idiphozithi imfuno kukukwazi ukurhoxisa imali nangaliphi na ixesha ngaphandle ezongezelelweyo izivumelwano, izivumelwano kunye namanye amaphepha. Eyona nto ibalulekileyo - kwi-ofisi ibhokisi yaba isixa esichanekileyo lwemali efunekayo (ukulungiselela le njongo, kucetyiswa ukuba ukubhukisha in advance). Kakade ke, kukho nezinye iinkqubo imali phantsi apho umthengi unelungelo ngokuyinxenye ukukhupha imali kwi-akhawunti ngaphandle waphelisa isivumelwano, kodwa noko kufuna iinzame okongezelekileyo umxhasi, kwaye sonke isixa wokuphakamisa ngokuqhelekileyo akukho ngempumelelo kunye nabo.

Ukongeza nokurhoxa ezimkhuthuka, efuna iidipozithi namanje okuhle kuba ivula libe ixesha elingenammiselo (isivumelwano sisebenza kude kube lelo xesha umxhasi uyalivala). Nawuphi deposit binzana kukhutshwa kuphela ixesha elibekiweyo, emva kokuba apho kunokwenzeka khona ukuba auto-ukuhlaziya, kodwa akakwazi kuhlala ngonaphakade - ekuhambeni kwexesha ziyayeka igalelo longirovatsya. Ngokubanzi, izigulana kuya kufuneka ukuba babeke iliso ubume dipozithi yakho, nto leyo akusoloko elula, xa kukho imfuneko yoko needipozithi ezingawadingiyo.

Ngokumalunga igalelo kubakho iingxaki, vula i inkqubo "kwimfuno", engundoqo - ke amazinga enzala asezantsi. Xa siqwalasela zonke iidipozithi imali kuzo zonke iibhanki, le iidiphozithi imfuno kunokuthathwa sisichazela non-inzala, ngoko izinga ziyakungahoywa. Noko ke, kule imeko ukungaqiniseki ngezimali, sifuna idiphozithi - oku kanye le nto uyifunayo. Ukuba emva kwexesha elithile esenza ukuba imali kwixesha elizayo akusayi kuba yimfuneko, kunokwenzeka ukuba lokuhlaziya idipozithi elide ukuze uzuze inzala ngakumbi.

Kubonakala ukuba uhlobo "kwimfuno" idiphozithi - eli lithuba elihle ukushiya imali yabo okwethutyana ebhankini ukwenzela ukuba igcinwe ngokunqatyisiweyo, ngoxa ekuhlawuleni nayiphi na irenti okanye ukulahlekelwa iikhomishini kwi wemvula okanye ukususwa. Kodwa rhoqo ukugcina imali yabo ngedipozithi onjalo kuyimfuneko - kukho iindlela inzuzo engaphaya.