Isivuno sekhuphoni sebhondi yingeniso eqinisekisiweyo yomtyali-mali, ohlawulwa kumnikazo ngenqanaba elinye elixabisekileyo. Iboniswa ngepesenti ngonyaka.
Isivuno sekhuphoni: Imizekelo yokubala
Thatha i-not yenkampani ethile enexabiso le-ruble eyi-1000. Ngokutsho kwayo, umkhuthazi uzinikela ukuhlawula i-rulle e-100 ngonyaka. Ke, ingeniso yekhuphoni yi-ruble e-100 eyahlula-hlula yi-ruble eyi-1000 kwaye iphindaphindwe nge-100% ilingana ne-10% ngonyaka.Ikhuphoni inokuchazwa kwangoko njengepesenti. Ukuziqhelanisa, oku kuyenzeka rhoqo. Kwelinye icala, iintlawulo kwezinye iimeko zenziwa ziwedwa, kodwa kabini ngonyaka. Ke ukusuka kwisivuno sekhuphoni kunokugqitywa kwicala elahlukileyo, ubungakanani bentlawulo nganye yepesenti.
Umzekelo, i-Bond inikwe ngehlelo le-ruble eyi-1000 ngesivuno sekhuphoni seepesenti ezili-10 ngonyaka. Iintlawulo zenziwa kabini ngonyaka. Emva koko i-rable i-ruble ephindaphindwe nge-10% kwaye yahlulwe yaya ezimbini ezilingana neepesenti ezingama-50 qho kwiinyanga ezintandathu.Umahluko wesigqebhezana kunye nesivuno sangoku
Isivuno sekhuphoni sebhondi kufuneka sahluleke kwinzuzo yangoku. Inyani yile yokuba ibhondi ayize ithengiswe kumqolo-ixabiso laso limisela imarike. Ngenxa yoko, isivuno sangoku sisikhombisi senjongo: ngokuchasene nesigqebhezana, kubalwa kwisiseko seendleko zangoku zephepha elixabisekileyo.
Masithi izinga lenzala lokwenyani elizweni lingaphantsi kwe-10% yengeniso yekhuphoni yonyaka kwinye ilungelo lokuphuma. Ke ibhondi iya kubiza kakhulu ukusuka kwasekuqaleni kunexabiso layo.
Masithi ukucaciswa, ii-ruble ezili-1050. Emva koko isivuno sangoku siya kuba yi-ruble e-100 ruble eyahlulwe yi-ruble eyi-1050 kwaye iphindaphindwe nge-100% ilingana ne-4,76 pesenti. Nangona kwangaxeshanye, isivuno sekhuphoni esisesikweni sahlala sifana, njengoko kubonisiwe kumaxwebhu ephepheni elixabisekileyo.
Ukhetho olunokubakho olunokwenzeka. Masithi iqhina likhutshwa ngesivuno seepesenti ezi-3 kuphela ngonyaka kunye nehlelo kwi-ruble enye ye-ruble enye. Emva koko isivuno sekhuphoni siya kuhlala silingana ne-3%, kodwa imakethi, kunjalo, ayizukupheliswa yimeko enjalo kwaye iya kufuna imali engaphezulu. Ngenxa yoko, ibhondi iya kuxolelwa umzekelo, i-ruble ezingama-600. Ke isivuno sayo sangoku siya kuba yi-rubles rubons eyahlulahlula iikowuti ze-ruble ezingama-600 kwaye ziphindaphindwe ngeepesenti ezi-100 zilingana neepesenti ezi-5 ngonyaka.Ewe kunjalo, imeko enjalo enesaphulelo esikhulu, isaphulelo xa sithenga, inokwenzeka kuphela xa iphepha elixabisekileyo likhutshelwe ixesha elide, kuba kungenjalo umtyali-mali angapheliyo kuphela Intlawulo yekhuphoni, kodwa iyonke ithile!
Izibonelelo ezigqityiweyo nezigqibelele zobunini bebhondi zikumntu ukubuyela kwintlawulelo. Kuphela, ngokwahlukileyo kwi-coupon ibuyiselweyo, ithatha ingqalelo yonke: omabini umahluko phakathi kwexabiso lokuthenga kunye nehlelo kunye neentlawulo zexesha.