Imininingwane engaphezulu mayelana nabaguquli bemali abakwi-inthanethi namanani wamabhange okuthengisa
Cishe uvame ukudideka ukuthi kungani amanani owathola emabhange endawo noma abashintshi bemali ehlukile kunamazinga owathola kubaguquli bemali online. Kepha bamba amahhashi akho kuqala. Ngaphambi kokushaya amanani ashicilelwe kuma-dailies ezezimali ebusweni bababhange abathengisa nabashintshi bemali noma ngaphambi kokuthi uqale ucabange ukuthi badonsa ngokushesha okukhulu kuwe, udinga ukuqonda umehluko phakathi kwamanani e-interbank namazinga asebhange okudayisa.
Izilinganiso ze-Interbank yizilinganiso lapho abaguquleli bemali abaku-inthanethi basekela khona izibalo zabo futhi ekugcineni ukuguqulwa kwabo. Lawa amanani afanayo ashicilelwe kuma-dailies wakho wezezimali. Izilinganiso ze-interbank yizilinganiso lapho amabhange amakhulu athenga futhi athengise izimali ngokumelene nomunye. Kepha ngicela ungathathi ukuthi ukuthengiselana okuncane kokushintshaniswa kwemali ngakunye phakathi kwamabhange kungama- $ 1 million noma ngaphezulu. Lawa ngamanani anelungelo eligcinelwe amaklayenti amakhulu kuphela nokuthengiselana okukhulu. Amabhange okuthengisa kanye nabashintshi bemali babandakanyeka kuphela ekusebenzisaneni kwemali okuthengiswayo inani ngalinye alikho noma kuphi eduze kokuthengiselana kwamabhange.
Ngokwemvelo, kuzoba nomehluko ophawulekayo phakathi kwalokhu okubili kepha akusho ukuthi osomabhange abathengisayo noma oshintsha imali udonsa kuwe ngokushesha. Amanani okuthengisa angahluka ngezindawo. Usebenzisa isiguquli semali esiku-inthanethi nje ukukunikeza inani lepaki lebhola lokuthi imali yakho ibiza malini ngokuya ngenye imali. Ngokuya ngalezi zibalo, ongakwenza ukuthenga kuqala ngamanani amahle kakhulu futhi ubhekane kuphela nalokho okungakunika ukuguqulwa okusondele kakhulu kulokho okutholayo kumguquli wakho wemali oku-inthanethi.
Abashintshi bemali yokuthengisa bavamise ukukhokhisa noma yikuphi kusuka ku-1% kuya ku-10% kusuka kumazinga e-interbank. Izinkampani zamakhadi esikweletu ngokuvamile zibeka imali ekhokhelwa cishe engu-3% enguqulweni ngayinye. Uma usebenzisa imishini ye-ATM ekuguqulweni, okusho ukuthi uyahoxa kwi-akhawunti yakho yasekhaya kumshini wamazwe omhlaba we-ATM, ngokujwayelekile uzokhokhiswa imali engu-2% ye-premium kanye nemali yokuthengiselana. Abashintshi bemali abathengisayo babiza imali ekhokhwayo evela kunoma yikuphi kusuka ku-5% kuya ku-10% ngaphezu kwamanani ebhange. Ungathola amanani angcono kubathengisi bezimakethe ezimnyama kepha ukuthengiselana kuvame ukubhekwa njengokungekho emthethweni kwamanye amazwe. Uma usohambweni lwakwelinye izwe, ungasebenzisa amanani angenhla njengephuzu lakho lezinkomba ukuze ungakhohliswa abashintshi bemali abangathembekile.
Kumele futhi uqonde ukuthi uzohlala ucashunwa amanani amabili - isilinganiso sokuthenga nesilinganiso sokuthengisa. Uma ushintshanisa imali yakho ngemali yendawo, bazobala ukuguqulwa ngokuya ngamanani abo okuthenga. Lapho uthenga imali kubo, bazokhipha isibalo sabo besebenzisa amanani abo okuthengisa acashuniwe. Ukungezwani okuningi nabashintshi bemali kubangelwa ukungazi umehluko phakathi kwamanani okuthenga nokuthengisa. Kukhona abashintshi bemali abasebenzisa ibanga lamaphoyinti aphakathi nendawo phakathi kwamanani okuthenga nokuthengisa phakathi kwamabhange. Balinganisela cishe amanani ozowathola kubashintshi bemali abathengisa.
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