chomangira

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Kodi Ndizofunika Ziti?

Ndi chomangira monga momwe zilili ndi Pfandbrief kapena pepala lachigwirizano, ndilo chigwirizano chokhazikika (chomangira, bond). Mabanki amatchedwanso zomangira. Iwo ali oyenerera ndalama pa nthawi yaitali. Monga lamulo, mgwirizano ndi ngongole yokhazikika. Izi kawirikawiri zimatengedwa ndi mayiko kapena mabungwe pogwiritsa ntchito malonda. Ngongole yonseyi imagawidwa ngongole zingapo pokhapokha ngati pali mgwirizano. Ndalama zonsezi zimagawanika kukhala madandaulo a 100, 500, 1000, 5000 ndi 10.000 Euro. Popeza zomangira zimakhala zotetezedwa muzitifiketi, zimakhala zotetezedwa. Popeza zikalatazo zimatchulidwa kuti ndi zowonjezera, mungathe kudzinenera zokhazokha za okhoma ngati eni ake otetezedwa.

Mawu oti "udindo" amatanthauzanso ku mgwirizano wa ngongole pakati pa maphwando awiri. Wokongolayo ndi wogulitsa mgwirizano. Wopereka ngongole amagwiritsa ntchito ngongoleyo kuti adzalandire ngongole. Inu monga akugulitsa ndalama mumabwereketsa wofalitsayo mwa kupeza ndalamazo ndi mwini wake. Mtengo umene mumagula mgwirizanowo ndi wofanana ndi mtengo sankakhala, zomwe wogulitsa amalandira. Pokhapokha ngati ngongole ikubwezeredwa mokwanira, woperekayo ayenera kulipira. Chiwongoladzanja cha chiwongoladzanja chidzakakamizika pa nkhani ya mgwirizano. Panthawi imodzimodziyo, zakhala zikuwonekeratu kuti ndi nthawi yochuluka bwanji yomwe idzabwezeredwa pa nthawi yobwezera ngongoleyo ndi nthawi yochuluka bwanji isanafike ngongoleyo ikubwezeredwa. Mabungwe osungira ndalama, mwachitsanzo, mgwirizano wotulutsidwa ndi Confederation, ndi opindulitsa kwa onse awiri.

Zina zowonjezera

Mabanki akuyeneranso kutchulidwa, komanso makampani oyendetsa katundu, mabanki a boma ndi mabanki apadera, osakhala mabungwe akuluakulu ndi maboma. Ngongole ya ngongole imathandizidwa ndi Pfandbriefe. Ngongole za boma la boma ndi ngongole yomwe imaperekedwa ndi mabungwe ogulitsa ngongole ndi mabungwe owonetsera ngongole kumabungwe osiyanasiyana a boma, maboma, mayiko ndi boma la boma pofuna kukonzanso ngongole. Zolumikizo zina zimaphatikizapo zotetezera ngongole za "dzanja la anthu". Maunyolowa amakhala ndi mapepala ndi positi, ma municipalities, boma ndi federal bonds.

Chiwerengero cha mabungwe

Mgwirizano ukhoza kugawanidwa molingana ndi zofunikira zosiyanasiyana. Izi ndi izi:

- Kutenga
- Chiwongoladzanja
- Kubwezeredwa
- Runtime
- ndalama za mgwirizano
- Dziko lochokera pachiwonetserochi

Dziko lochokera kwa wogulitsa: Malingana ndi dziko lomwe linachokera, mgwirizano ukhoza kukhala wachilendo kapena wachibale.

Mtengo wa mgwirizano: Mukhoza kugula mabungwe mu euro, zonse monga ndalama zogwirizanitsa komanso monga mgwirizano wa pakhomo.

Nthawi: Mabungwe amaperekedwa kwa inu monga ndalama zazing'ono komanso za nthawi yayitali. Kukula kwa ubale wamakono pakali pano pakati pa 8 ndi zaka 15. M'mbuyomu, mgwirizano wa zaka 50 kapena maunyolo osatha unagulitsanso malonda.

Kubwezeredwa: Palinso mitundu yosiyana ya kubwezera maunyolo: mungathe kupanga chisankho chanu pakati pa mgwirizano wosatha ndi chiwombolo. Ndalama zimalipiridwa mwina ndi malipiro amodzi pamapeto a nthawi kapena kudzera mu malipiro a msonkho.

Chiwongoladzanja: Palinso kusiyana kwa mitengo ya chiwongoladzanja (9%, 6% ndi theka)

Chiwongoladzanja: Chigwirizano chingakhale chosakhudzidwa, choyandama kapena chosungirako chiwongoladzanja.

Misonkho: Ndalama zanu mu mgwirizano ukhoza kukhala opanda msonkho, msonkho wopanda msonkho kapena msonkho.

Ndalama za ndalama: mabungwe amapezeka mu euro ndi ndalama zakunja.

Dziko lochokera ku exhibitor: Malingana ndi kuti ndalama zomwe zimagwiritsidwa ntchito zikugwiritsidwa ntchito ku Germany kapena kunja, mgwirizano umasankhidwa kukhala mgwirizano wamtundu komanso wachilendo.

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