Kudalirika ndi chomangira zokolola

Msungidwe yodalirika mu msika, woimira sheya zimaikizidwa m'ndende. Malinga ndi mtundu wa ndalama mukhoza kubwerera kuposa madipoziti banki.

Nsinga zambiri kukopedwa pa kuchotsera, ndipo chomangira chiwombolo abwera pa mtengo mwadzina. Kusiyana chifukwa Mzimuyo zokolola kumangidwa ndi ndalama Investor.

Ndalama ku nsinga ofanana ndi gawo banki, milandu onse, ndalama uli padera pa mtengo ena chidwi ndi kwa nthawi mwasankha. Koma pa nkhani ya chuma, pali ubwino.

Choyamba, zokolola pa nkhani makampani ubale ndi apamwamba. Kachiwiri, ndalama akhoza anatola popanda kutaya chidwi accrued. Kumangidwa, mosiyana ndi ndalama ku banki n'kukagulitsa popanda imfa ya chidwi, ngati oyambirira pafupi ndalama ku banki, chidwi palibe malipiro.

Msika ubale kwenikweni anafuna ndalama ndiwofatsa. kusinthasintha mu mtengo wa msinga ndi paltry poyerekeza ndi kusintha mu mtengo katundu. Pankhani ya mgwirizano ndalama chachikulu ndi chidwi kapena coupon malipiro. Komanso pa kusintha ndalama zotsatira mtengo msika kumangigwa.

The zokolola za mtundu uwu wa ubale imasiyana malingana kudalirika kwawo. Kupezeka pa msika opambana Investor mwayi kusankha kuphatikiza bwino za chiopsezo ndi kubwerera. Pali nsinga za makampani odalirika lalikulu zambiri ndi malipiro otsika chidwi, komanso nsinga zosapatsa thanzi ndi makampani ang'onoang'ono ndi chiopsezo zina, koma mkulu chiwongola dzanja. Special chomangira zokolola kupereka makampani angoyamba kutapa ake sheya pa msika.

mbali chosiyana kumangigwa

Nsinga - ndi sheya. Kugula iwo, Investor ndi ngongole ya issuer, nkhani nsinga, omwe amaonedwa sheya ngongole. Malinga ndi malamulo, kampani opereka ayenera kulipira wogwira nsinga yake mwadzina kumapeto kwa chithandizo, komanso ndalama kuchokera chidwi pa mtengo nkhope ya ogwirizana. Choncho, pali alipire wa ogwirizana.

The Investor ali ndi ufulu kugulitsa nsinga oyambirira, kapena kudikira mpaka pamapeto a nthawi makope sheya. Pambuyo imeneyi idzabwedwa mphotho. Mankhwalawa mwachizolowezi nyengo ubale ndi zaka zitatu mpaka zisanu. Mtengo mwadzina ndi ndalama ndi kunditumiza ku nkhani Investor a.

Pali njira zambiri kugula maunyolo komanso m'matangadza. Mukhoza kugwiritsa ntchito Intaneti. Muwone kuti zonse zazikulu kuwombola deta kwa nsinga ntchito malo malonda wapadera yotulutsa Kuwulutsa ndi mlandu kumangidwa kwa opereka zochuluka zonse. Kuti akwanitse kugula kumangidwa kudzera wogula ndi zitha kuitana muyenera kuutaya.

Pamene pakuika m'ndende ayenera kulabadira mfundo zingapo kiyi. Monga kukhwima, ngongole quality, kuphatikizapo chuma, udindo msonkho, zikhalidwe za mtengo oyambirira chiwombolo, zipatso, chiwongola dzanja. Popeza ankaphunzira zinthu izi, ndi Investor akhoza kuwunika ngongoleyo, ndipo paokha kusankha digiri zimene ya ndalama m'ndende mogwirizana ndi zolinga zake.

Malinga ndi kukhwima kwa nsinga kugwera mu magulu atatu.

Woyamba zikuphatikizapo nsinga yochepa ndi maturities wa zaka zisanu. Gulu lachiwiri kumangidwa sing'anga-akuti ndi kukhwima kwa zaka zisanu khumi. Gulu lachitatu tichipeza sheya yaitali ndi maturities wa zaka zoposa khumi.

Kumbukirani kuti msinga osiyana ndi osiyana ngongole khalidwe.

Ambiri, chuma m'ndende ndi ndalama yodalirika mu msika wogulitsa ndi akulimbikitsidwa amene amafuna kusunga likulu ndi kupeza ndalama pamwamba banki.