Ziziphi iimali zetyala?

Kwabaninzi abasomashishini, ukugcinwa kwetyala ityala elihle kakhulu ukukhangela imali efunekayo ekuphuhliseni ishishini. Le ndlela yokuboleka imali iqhutyelwa ngamandla kwihlabathi lanamhlanje, kuba inenzuzo ngokubambiseneyo kubathathi-nxaxheba kwintengiso.

Ukuqwalasela isixhobo esinjalo semali kwifom yaso jikelele, kunokwenzeka ukubonisa iintlobo ezibini eziphambili: ityala kunye nokulingana kwemali. Ukhuseleko lwelo hlobo lokuqala, eqinisweni, luhlobo lweentengo zemboleko. Okokuthi, utyalomali ufumana uxwebhu olumnika ilungelo emva kwexesha elimisiweyo lokufuna ukubuyiswa kwemali etyalomali eqwalaselwe umdla. Uhlobo lolwabiwo- mali luyimpembelelo kwi-capital capital ye-ishishini okanye inhlangano. Kule meko, i-deposit ingathembela kwingeniso ezinzile, eya kuhluka ngokuxhomekeka kwimiqulu yenzuzo kunye nenani labelo. Ngandlela-thile, utyalomali uba ngumnini-mnikazi wenkampani.

Kwimarike yemasheya yelizwe lethu, ngokuqinisekileyo ukugcinwa kweematyala njengemibhonkco kunye neebhanki zithengiswa. Ukongezelela koko, iibhondi zikaRhulumente kunye nezixhobo zomthetho ezizimeleyo zinokukhupha izibophelelo. Kakade ke, uqinisekiso lwekarhulumente lufunwa kakhulu, kuba zibhekwa njengezona zithembekileyo. Ukuba sithetha ngexesha elide, iibhondi zixesha elide, oko kukuthi, zisasazwa ngomnyaka omnye okanye ngaphezulu.

Njengomthetho, ekupheleni kwexesha eliqinisekileyo, iimali zetyala zibuyiselwa kumniki-mveliso, oza kubuya uhlawule ixabiso lokuqulunqwa kwexwebhu , kunye nexabiso elingaphezu kwexabiso elimiselweyo njengentlawulo yemali yokusetyenziswa kwemboleko. Emva kokubala kokugqibela, ubudlelwane beentengo zemboleko phakathi komniki-mali kunye nomfaki-zimali bupheliswa, kuba ukunyanzelwana kwamalungu onke kuzaliseke ngokupheleleyo. Ukongezelela, kunokwenzeka ukukhupha iziqinisekiso zetyala ngexabiso lokunciphisa elikhuphayo neligxininisiweyo, elimele umrhumo ohlawulwe kumtyalomali ukusetyenziswa kwe-capital capital. Ireyithi echanekileyo ithetha ukuba emva kwexesha elithile i-deposit izakufumana isixa esinqunyiwe. Kwaye kunye nesantya sokupakisha, ipesenteji isetyenziswe ixesha elifutshane (umzekelo, inyanga ezintathu okanye ezintandathu ezintandathu), emva koko ziphinde zenziwe kwakhona.

Ukubambisa amatyala kubhekwe ngendlela eqhelekileyo yokuboleka izibonelelo, kuba iyakususa isidingo sokufaka izicelo kwiziko lemali-mboleko kwaye wenze imali mboleko. Oku kuyinyani ngokukodwa kwiinkampani ezisele zibolekwe kwibhanki, kunye nabasomashishini abaselula. Utyalo-mali olo hlobo lutyalo-mali aluzuzisa, kuba unelungelo lokukhetha iimeko ezilungileyo kakhulu kuye, engathembeli kuphela kwizinga lesenzalo kunye nekota, kodwa kunye nenqanaba lokuthengiswa kwemali, inzuzo kunye nenqanaba lokungcipheka, elingenakwenziwa xa uvula i-akhawunti ye-deposit. Ngaphezu koko, abatyali-mali abaninzi abanamathemba kwinkqubo yebhanki yanamhlanje, bakholelwa ukuba ayithembekanga ngokwaneleyo. Kule meko, batyala imali ekhululekile kwiibhanki zorhulumente, kuba ezi ziqinisekiso kakhulu, ngokuba u-guarantor nguwo uqobo.