Ndalama yamtengo wapatali ya ngongole ya malire yomwe imagwirizana ndi mtengo wa zothandizira zikuluzikulu imayikidwa ndi Federal Reserve Board.
Aliyense wolimba ali ndi ufulu wogwiritsira ntchito ndondomeko zowonjezera zambiri zogulitsa ngongole kuposa momwe akuyankhira ndi Ndalama.
Gawo la malonda a malonda omwe saliperekedwa ndi ngongole ya malire akhoza kulipidwa mwa ndalama kapena posungira komabe ndalama zina monga chogulitsa. Ngati chinsinsi chikuikidwa ngati cholowa, mtengo wawo uyenera kukhala osachepera kawiri kuchuluka kwa ndalama zomwe zikufunikanso. "Kuitana kwapakati" kumachitika ngati kugwa kwa mtengo wa chigulitsiro, mwina mabungwe ogulitsidwa ndi ngongole ya malire, kapena zobisika zotumizidwa monga chikole. Kuitana kwapakati kumafuna kuti wobwereketsa atumize ndalama zambiri monga mawonekedwe a ndalama kapena zobisika. Malamulo ozungulira malire akhoza kukhala ovuta kumvetsa. Kwa zitsanzo, onaninso zokambirana za Margin 101.
- Zomwe zingatheke: Kugwiritsa ntchito phindu pogula malonda pamphepete kungathandize kwambiri kuti wogulitsa ndalama apindule. Mwachitsanzo, kulipira madola 10,000 pamtengo wokhudzana ndi chitetezo choposa $ 20,000 kumapindula phindu la 100%, msonkho wokhazikika, msonkho, ndi msonkho. Kugula chitetezo chomwecho ndi 50% pansi pa ndalama ($ 5,000) ndi 50% omwe amapeza ngongole ya ndalama ($ 5,000) angapereke phindu la 200% (pambuyo polipira ndalama zokwana madola 5,000), misonkho yokha, msonkho, msonkho ndi chidwi pa ngongole.
- Pansi Pangozi: Kugwiritsa ntchito kudula njira ziwiri. Ngati mtengo wa chitetezo mu chitsanzo chathu unachoka pa $ 10,000 mpaka $ 5,000, kasitomala wa ndalama angapangitse 50% kutaya. Komabe, kasitomala amene adagula chitetezo pamtunda wa 50 peresenti amatha kutaya kwathunthu 100%. Zonse za $ 5,000 za mtengo wotsalawu wa chitetezo ziyenera kupita kulipira ngongole ya malire, ndipo $ 5,000 kuika pansi mu ndalama zikanatayika kwathunthu.
- Kuwongolera Otsatira: Chifukwa cha zoopsa zomwe, makasitomala ayenera kuyang'anitsitsa kwambiri kuti awapatse mwayi wolowera. Momwemo, ma Dipatimenti omvera amafunikira mapepala apadera ndikudziwitsidwa kuti ndalama zapadera zimaperekedwa kwa makasitomala omwe amadziwa bwino kuopsa kwake, komanso omwe ali ndi ndalama zowonjezera zotayika.
- Ndalama Zogulitsa Ngongole: Mapepala ofotokozera kuti atsegule akaunti ya m'mphepete mwachidziwitso amadziwika ndi chilankhulo chimene wofuna chithandizo amalola kuti alimbitse ngongoleyo, mosamala komanso popanda malipiro kwa chithandizo. Onani nkhani zathu pa ngongole ya katundu ndi SEC Rule 15c3-3 kuti mudziwe zambiri.
Komanso monga: ngongole yobwereketsa
Chitsanzo chogwiritsa ntchito mawu otere: Ndinagula magawo 100 a IBM pamtunda, ndi ngongole ku bizinesi yanga.