Ukurhweba iAkhawunti encinci
Ukuthengisa i-akhawunti encinci (okanye engaphantsi kwayo) kunzima kunokuba kuthengise iakhawunti enkulu. Iingxelo ezinkulu zixhatshazwa kwiipazamo, ukungalindelekanga ukulahlekelwa imifudlana, ngamanye amaxesha nabathengisi ababi, kodwa ii-akhawunti ezincinci azikho into enjalo. Iingxelo ezinkulu zingasetyenziselwa ukuthengisa nayiphi na imarike ekhoyo, kodwa iikopi ezincinci zingasetyenziselwa ukuthengisa iimarike kunye neemfuno zamanqanaba aphantsi kunye neempawu ezincinci zeekethi . Ii-akhawunti ezinkulu zivumela ukuthengiswa kwezimo eziguquguqukayo (umzekelo, iinkontrakthi ezininzi ), ngelixa iincinci ezincinci zincinci kakhulu kwizicwangciso zolawulo lwezorhwebo abanokuzisebenzisa.
Ukongeza, ukuthengisa i-akhawunti encinci kunemiba yengqondo eyenza kube nzima nakakhulu ukuthengisa i-akhawunti kakuhle. Ngokomzekelo, xa umthengisi eyazi ukuba banokukwazi ukufumana ukurhweba omnye ngaphandle kokuba i-akhawunti ingenakubuyiselwa (kuba ayisayi kubhala umgama wayo ofunekayo), uxinzelelo lokwenza urhwebo olunenzuzo lukhulu.
Ukuba umthengisi ubamba kakuhle uxinzelelo, oku kusenokuba yingxaki. Nangona kunjalo, nabathengisi abagqwesileyo baye balahlekelwa yimisebenzi, kwaye akukho nto enokuyenza ukuze ugweme ukulahlekelwa ngumsebenzi, ngoko oku akuyona into into yokuba umthengisi unakho ukulawula, okubangela ukuba uxinzelelo lweengqondo.
Iingcebiso ngeeNgxelo ezincinci
Kuzo zonke iimeko ezingalunganga, kubonakala ngathi akunakwenzeka ukuthengisa i-akhawunti encinci ngenzuzo.
Oku akunjalo, kwaye ii-akhawunti ezincinci zithengiswa ngenzuzo ngabathengisi abaninzi (kubandakanye abahwebi abaqeqeshiweyo). Iingcebiso ezilandelayo zinikezelwa ngombono weengxelo ezingaphantsi kweengxelo, kodwa isiluleko siyasebenza nakwii-akhawunti zonke zokuthengisa (kunye neengxelo ze-$ 1,000,000).
- Urhwebo Ukusebenzisa Umlinganiselo - Ukurhweba usebenzisa umgangatho kuvumela abahwebi abancinci be-akhawunti ukuba bathengise iimarike ezingenakuzithengisa ukusebenzisa imali. Ngokomzekelo, iimpahla zorhwebo zifuna ngqo malunga ne-25% ukuya kwi-30% yexabiso lezorhwebo ngemali-mali (kuthathwa njengemfuneko yemida). Nangona kunjalo, ukurhweba isisitye esisinye kwisistim esebenzisa iimpawu okanye iimvume zemvume (zombini iimarike eziphezulu), zifuna kuphela i-15% yexabiso lezorhwebo ngemali. Qaphela ukuba umlinganiselo awufanele usetyenziswe ukwandisa ubungakanani bezorhwebo (oko kukuthi inani lezabelo), kodwa kufuneka kusetyenziswe kuphela ukunciphisa iimfuno zomda wezorhwebo.
- I-Trade Conservatively - Abahwebi abanee-akhawunti ezixhaswa ngemali bane-luxury yokwenza amashishini kunye nobungozi obuphezulu (umz. Umthengisi onama-akhawunti amancinci makabe oqaphele ngakumbi, kwaye uqinisekise ukuba umngcipheko wabo wokuvuza umlinganiselo kunye nokuphumelela kwabo kwinqanaba lokulahlekelwa libala kwaye lisetyenziswe ngokuchanekileyo.
- Ukuthobela umgaqo owodwa woMngcipheko wokuThengisa - Ukurhweba ngokuhambelana nomgaqo owodwa wemingcipheko wokunikezela umngcipheko unikeza i-akhawunti encinci kunye ne-buffer efanayo (ngokuphambene neempazamo, ilahleko ezingalindelekanga, njl.) Njenge-akhawunti enkulu. Abaninzi abahwebi bezentengiselwano bahlala kumgaqo owodwa weengcipheko kumngcipheko kungakhathaliseki ubungakanani beeakhawunti zabo zokurhweba, kuba kuyindlela efanelekileyo yokulawula ingozi.
Abanye abathengisi bathetha ngokugqithiseleyo ukuba i-akhawunti engaphantsi kwee-akhawunti zorhwebo ayikwazi ukuthengiswa ngempumelelo. Oku akunjalo. Iingxelo ezincinci zokurhweba zinokuba nzima kakhulu ukurhweba ngempumelelo, kodwa ukuba zithengiswa ngokuchanekileyo, akukho sizathu sokuba kutheni iincinci zorhwebo ezincinane zingenakunceda.
Ngokulawula uxinzelelo oludla ngokuxhomekeke kumsebenzi ongaphantsi komhlaba, ngokugxininisa ekulawuleni umngcipheko, kwaye ngokufanelekileyo ukusebenzisa izicwangciso zokulawulwa kweengozi (ngokukodwa ukulawulwa komngcipheko omnye), abathengisi be-akhawunti abancinci bangenza ubomi obuhle kwiindawo zabo zokurhweba kwaye banako ukuguqula akhawunti encinci kwiakhawunti enkulu.