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Ndezvipi Zvikwereti?

Na chisungo sezvinoitika munyaya yePfandbrief kana bhizinesi pepaji, inofanirwa kushandiswa-chekuchengetedzwa kwezvikwereti (bond, bond). Zvikwereti zvinonziwo zvisungo. Ivo vakakodzera kubhadhara kwenguva yakareba. Sezvo mutemo, chisungo chikwereti chinotarisirwa. Izvi zvinowanzotorwa nehurumende kana zvikwata kuburikidza nematengo ekugovana. Chikwereti chose chakakonzerwa kuva zvikwereti zvishoma zvezvikamu mune zvebhandi. Zvose zvinoparadzaniswa zvikwereti zvizere zve 100, 500, 1000, 5000 uye 10.000 Euro. Sezvo zvisungo zvakachengetedzwa muzvikwangwani, ndezvivimbiso. Sezvo zvinyorwa izvi zvinonzi zvakachengetedzwa zvekutakura, iwe unogona kungozvitsvaga zvaunopomerwa kune vanokwereta sevatenzi vezvivimbiso izvi.

Izwi rokuti "kusungirwa" rinoreva zvakare ukama hwechikwereti pakati pemapoka maviri. Anokwereta ndiye mutengesi wezvisungo. Mupi wechibvumirano anoshandisa chikwereti kuti awane chikwereti. Imi semarikwereti muchikwereta muparidzi kuburikidza nekuwana mari yechikwereti uye ndiye mubhadhadzi wake. Mutengo waunotenga bhandi wakaenzana nemutengo nokukwereta, iyo mutengesi anogamuchira. Chero bedzi chikwereti hachibhadharwe zvizere, uyo anopa chikwereti anofanira kubhadhara chikwereti kwauri. A inotarisirwa chikwata chekuda ichave yakasunga pane nyaya yezvisungo. Panguva imwecheteyo, yatotanga kujekesa kuti nguva yakawanda ichashandiswa pakubhadhara uye nguva yakareba ichapfuura sei kubhadhara kuripo kwemari yekukwereta. Fixed-income bonds, somuenzaniso zvisungo zvakabudiswa neChédederation, zvinobatsira kumativi maviri.

Zvimwe zvikwereti zvezvisungo

Bonds munokosha nezvenyu kunze Makambani makuru uye inoti uye chikepe chikwereti mabhanga, ruzhinji chikwereti masangano uye pasiri mogeji mabhanga. Mari yekubhadhara chikwereti inobhadharwa nePfandbriefe. In matunhu neminisiparati zvisungo pane zvikwereti zviri wakabudiswa private chikwereti nemabhengi paruzhinji chikwereti nemabhangi kuti siyana neruzhinji makambani, makanzuru, inoti uye yeUnited hurumende kuti refinance kwezvikwereti. Zvimwe zvibatanidza zvinosanganisira zvikwereti zvekwereti zve "ruoko rwevanhu". Izvo zvisungo zvine mapepa uye zviteshi zvezvitima, masisita, nyika uye federal bonds.

Urongwa hwezvisungo

Chisungo chinogona kugoverwa maererano nenzira dzakasiyana-siyana. Izvi ndezvi:

- Mutero
- Chido chekufarira
- Kubhadhara
- Runtime
- mari yezvisungo
- Nyika inobva kumuratidzi

Nyika yakabva kune uyo anopa chikwereti: Maererano nenyika inotangira, bvumirano inogona kuva yekunze kana yeimba yehukama.

Mari yechibvumirano: Unogona kutengesa zvisungo muuro, zvose sekusungwa kwemari uye sezvisungo zvepamba.

Nguva: Zvikwereti zvinopiwa kwauri sezvikamu zvenguva pfupi uye kwenguva refu. Ivhareji yekukura kwezvisungo ikozvino pakati pe8 nemakore 15. Munguva yakapfuura, zvisungo nemakore 50 kana zvisungo zvekusingaperi zvakatengeswawo pane kugoverana.

Kubhadhara: Kunewo marudzi akasiyana ekubhadhara kwezvisungo: iwe unogona kuita sarudzo yako pakati pezvisungo zvekusingaperi nekusunungura zvisungo. Anosungirwa kubhadharwa pamwe chete nebhadharo rimwe chete pamagumo emhedheni kana kuti kuburikidza nekubhadharwa kwekamuri.

Chido chekufarira: Kunewo maonero akasiyana-siyana muhuwandu hwechikwata chechibereko (mapfumbamwe-muzana, matanhatu-nehafu yehafu uye vamwe)

Chido chekuda: Bhizimusi inogona kunge isingabatsiri, inotenderera kana kuti yakasimbiswa-inotora chivigiro.

Mutero: Kuiswa kwako mubhadharo kunogona kubhadhara mutero-kusingabhadharwi, mutero-usingabhadharwi kana kusabhadhara mutero.

Mvumo mari: zvisungo zviripo muuro uye mune mari dzedzimwe nyika.

Nyika inobva kumudzidzisi: Zvichienderana nekuti mupi wezvisungo ndeye domiciled kana kune imwe nyika, zvisungo zvinosanganiswa kuva hutano hwemhuri uye kunze kwenyika.

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