Ukuba uthenge isitokhwe waza wathengisa nge-plus encinci, musa ukukhawuleza ujabule. Oku kudityaniswa komthengisi kwitheminali kunokuba nguthabatha kwiwalethi yakho. Xa uthengisa kwi-stock (kunye nayiphi na enye) imarike, kufuneka uhlale ukhumbula malunga neekhomishini kunye neendleko eziphezulu zokuthengiselana. Ukutyhubela iminyaka, kunokubonakala ngathi ukurhweba kwakho kunenzuzo, kodwa iakhawunti ikhula kancinci kunokuba bekulindelwe. Masiqonde ukuba kutheni le nto isenzeka. Ukuba uthatha amaxwebhu eTinkoff Investments API, unokufumanisa ukuba umthengisi (nawuphi na) uneentlobo ezingama-64 zokusebenza ngemali yakho. Ngelo xesha, isiqingatha sazo malunga nokubamba iikhomishini kunye neerhafu, kwaye ezinye zimalunga nokuhamba kweemali.
Iintlobo zokusebenza
| inani | Inkcazo |
|---|---|
| 0 | Uhlobo lomsebenzi aluchazwanga. |
| 1 | Ukuzaliswa kwakhona kwe-akhawunti ye-brokerage. |
| 2 | Ukubamba irhafu yomvuzo wakho kwiikhuphoni. |
| 3 | Ukurhoxiswa kweBhanki eyiCentral. |
| 4 | Ingeniso evela kwintengiselwano ye-REPO ngobusuku. |
| 5 | Ukubamba irhafu. |
| 6 | Ukukhululwa ngokupheleleyo kwiibhondi. |
| 7 | Ukuthengiswa kwezibambiso ezivela kwikhadi. |
| 8 | Ukubamba irhafu kwizabelo. |
| 9 | Ukutsalwa kwemali. |
| 10 | Ukukhululwa ngokuyinxenye kwiibhondi. |
| Shumi elinanye | Uhlengahlengiso lwerhafu. |
| 12 | Ukubamba ikhomishini yokusevisa i-akhawunti yomrhwebi. |
| 13 | Ukubamba irhafu ngenxa yenzuzo yezinto eziphathekayo. |
| 14 | Ukubamba ikhomishini kwisithuba esingafihlwanga. |
| 15 | Ukuthenga iBhanki eyiCentral. |
| 16 | Ukuthenga iBhanki eyiCentral ngekhadi. |
| 17 | Ukudluliselwa kwezibambiso ukusuka kwenye indawo yokugcina imali. |
| 18 | Intengiso ngenxa yeMargin-call. |
| 19 | Ukubamba imirhumo yentengiselwano. |
| 20 | Thenga njengesiphumo seMargin-call. |
| 21 | Intlawulo yesahlulo. |
| 22 | Ukuthengiswa kwezibambiso. |
| 23 | Intlawulo yekhuphoni. |
| 24 | Ukubamba iKhomishini yoMrhumo weMpumelelo. |
| 25 | Ukudluliselwa kwengeniso yesahlulo. |
| 26 | Ukubalwa komda wotshintsho. |
| 27 | Ukucinywa komda wotshintsho. |
| 28 | Ukuthenga ngexesha lokuphelelwa kwekhontrakthi yexesha elizayo. |
| 29 | Продажа в рамках экспирации фьючерсного контракта. |
| 30 | Комиссия за управление по счёту автоследования. |
| 31 | Комиссия за результат по счёту автоследования. |
| 32 | Удержание налога по ставке 15%. |
| 33 | Удержание налога по купонам по ставке 15%. |
| 34 | Удержание налога по дивидендам по ставке 15%. |
| 35 | Удержание налога за материальную выгоду по ставке 15%. |
| 36 | Корректировка налога по ставке 15%. |
| 37 | Удержание налога за возмещение по сделкам РЕПО по ставке 15%. |
| 38 | Удержание налога за возмещение по сделкам РЕПО. |
| 39 | Удержание налога по сделкам РЕПО. |
| 40 | Возврат налога по сделкам РЕПО. |
| 41 | Удержание налога по сделкам РЕПО по ставке 15%. |
| 42 | Возврат налога по сделкам РЕПО по ставке 15%. |
| 43 | Выплата дивидендов на карту. |
| 44 | Корректировка налога по купонам. |
| 45 | Комиссия за валютный остаток. |
| 46 | Комиссия за вывод валюты с брокерского счета. |
| 47 | Гербовый сбор. |
| 50 | SWIFT-перевод |
| 51 | SWIFT-перевод |
| 53 | Перевод на карту |
| 54 | Перевод с карты |
| 55 | Umrhumo wokurhoxisa |
| 56 | Ukucinywa kwentlawulo yenkonzo yamaBhunga |
| 57 | Ukudluliselwa kwezibambiso ukusuka kwi-IIS ukuya kwi-akhawunti ye-Brokerage |
| 58 | Ukudluliselwa kwezibambiso ukusuka kwi-akhawunti yomrhwebi ukuya kwenye |
| 59 | Ukutsalwa kwemali kwiakhawunti |
| 60 | Ukuzaliswa kwakhona kwemali evela kwiakhawunti |
| 61 | Ukutshintshana kokubekwa ebusuku |
| 62 | Ukucinywa kweKhomishini |
| 63 | Ingeniso evela ngobusuku |
| 64 | Ukuphelelwa lixesha |
Yandisa itafile
Ngaba uqhelene nawo onke la magama? Ngaba uyazi ukuba kukho “umsebenzi wesitampu”, nini kwaye zingakanani iirhafu ezibanjiweyo kuwe? Kwaye ukuba xa ukhupha imali ngaphambi kokuphela konyaka-mali, urhafiswa kuzo zonke iingeniso ngaphandle kokuthathela ingqalelo ilahleko? Ukuba awuyazi le nto, ngokuqinisekileyo kuya kufuneka uyiqonde yonke into.
Kwinqaku uya kufunda iziseko zendlela yokubona iziphumo zangempela ze-akhawunti kunye nazo zonke iinkcukacha zayo yonke imisebenzi.
Iindlela ezintathu zokujongana nohlalutyo
- I-Intuitive kwi-intanethi
- Incwadi emva kwenyani
- Ngokuzenzekelayo
Inengqondo
Ukuba uthengisa ujonge kuphela kwi-terminal ye-brokerage, ke iinkcukacha ezininzi ziya kubaleka emehlweni akho. Okokuqala, akukho nzuzo kubathengisi ukuba babhengeze ukuba yimalini na ikhomishini oya kuyihlawula kwintengiselwano ethile. Ngokomzekelo, kwi-terminal ye-Finam akukho nto malunga nekhomishini xa usenza ukuthengiselana. Kwi-terminal yaseTinkoff, kude kube kutshanje, nakwixesha elizayo, babhala ubungakanani bekhomishini ngaphambi kokuthenga. Kodwa xa ndilungiselela inqaku, ndafumanisa ukuba baqala ukulifihla emva kweendlela ezilungelelanisiweyo.
Ezi nuances zichazwe kakuhle apha: Yintoni Tinkoff Investments ayithethi.
Umzobo 1. Ukuthenga izitokhwe (ngasekhohlo) kunye nexesha elizayo (ekunene).
Jonga izikrini ezimbini zezixhobo zokuthenga (Umfanekiso 1). Kwiyokuqala, ubona inani lentengiselwano kunye nekhomishini. Kweyesibini, ubona amanqaku athile kwaye awuyiboni ikhomishini. Okwesibini, xa uthenge isitokhwe, sele ubomvu. Kuya kuba kuchanekile ukubhala kwi-terminal ukuba inzuzo yakho yokusebenza ayingo-zero, kodwa ngoko nangoko thabatha ezimbini. Siyaqonda kwiminwe. Kwimeko yokuqala (usengumfanekiso ofanayo 1) kwi-positive kunye nomoya omhle , uthenge amaqashiso angama-150 . Isitokhwe senyuka i-50 kopecks, malunga ne -0.25% . Uyabona kwi-deal +750 ruble . Ngokukhawuleza imozulu yajika yaba mbi, amafu aqina , kwaye wagqiba ekubeni uthengise yonke into. Abanye banokucinga ukuba banama -ruble angama-750umvuzo. Abanye bacinga ukuba bano-zero, kuba kususwa ikomishini. Kodwa zonke azilunganga. Impendulo echanekileyo kukuba xa uvala isikhundla, kuya kubakho ilahleko ye-ruble ye-1000 ( ingeniso, thabatha ikhomishini yokuthenga, susa ikhomishini yokuthengisa ). Ngoku makhe sijonge kwiscreenshot ekunene, inika umdla ngakumbi apho. Kulo mzekelo, ikhomishini yokuthengwa kwezinto ezininzi ngama-ruble angama-400. Ngokufanelekileyo, xa uthenga amaqashiso amathathu, unokuthabatha i-ruble ye-1200. Kwaye intengiso iya kuhlawula malunga ngokufanayo. Lilonke, uthabathe ii-ruble ezingama-2400, nangona ikhosi ingekashukumi.
Ukuze uphule kulo rhwebo, ixabiso leqashiso elinye kufuneka linyuke ngama-ruble angama-800. Ipesenti enye. Ifanelekile. Oko kukuthi, ngokunyuka kwe-1%, inzuzo yakho ayikho + 1% , kodwa ZERO !
Umzekelo, ngokuqinisekileyo, uphantse ube yinto yokwenziwa, kuba intlawulo ebiza kakhulu ithathwa – umtyali-mali. Sigcina kwintlawulo yenyanga, sifumana iikomishoni zehashe zokurhweba. Khawucinge nje ngemeko, umisa kwisikhululo sepetroli kunye nemeko yokuba ukuba awuthengi inja eshushu kunye neti kubo, ngoko uhlawula ngokuphindwe kashumi ngepetroli. Ungawahlawula amaxabiso e-x10 ilitha yepetroli, okanye ungathenga ihot dog uze uyigcwalise ngexabiso elifanelekileyo? Yiyo loo nto, yonke into kufuneka iqwalaselwe kwaye ithelekiswe. Kwaye umtyalo-mali we-novice akayithathi le miba kumanani amancinci: ngandlela-thile ayinandaba, i-ruble apho, i-ruble apha. Siphila ngolo hlobo. Indlela yokwenza isigqibo? Ngaba ubala ngesandla, okanye usebenzise i-robot yokurhweba eya kubala inzuzo yepotfoliyo kwaye ithengise ngenzuzo ekubalwe ngaphambili okanye ukuyeka.
Incwadi emva kwenyani
Masiqhubele phambili, sele uthengisa ixesha kwaye ufuna ukwazi inzuzo yokwenyani yorhwebo lwakho, kwaye hayi la manani kwi-terminal. Ngoku kuya kuba nzima ngakumbi, kodwa kunomvuzo ngakumbi. Kukho iindlela ezintathu zokulandelela imbali yakho yentengiselwano ngesandla
- Kwitheminali yomthengisi. Siyichitha kwangoko olu khetho kumxholo wolwazi oluphantsi.
- Ukurekhoda urhwebo lwakho kwi-Excel. Le yeyabo banexesha elininzi lasimahla okanye benze enye yokuthenga-intengiso ngeveki.
- Ukukhuphela iingxelo kunye nokuxuba ngesandla (okanye usebenzisa iinkonzo).
Kukho iindidi ezintandathu zeengxelo ezikhoyo ukuze zikhutshelwe kwi-Tinkoff Investments
- ingxelo yerhafu
- Ingxelo ye-Broker
- Ingxelo yokugcina
- Ulwazi malunga nexabiso le-asethi
- Isiqinisekiso sengeniso ngaphandle kweRussian Federation
- IFomu yeRhafu 1042-S (Isatifikethi esiqinisekisa ukuhlawulwa kwezahlulo kunye namakhuphoni kwizibambiso zeenkampani zase-US, kunye nesixa serhafu ehlawulweyo)
Kwaye zonke zinee-nuances zazo. Kwaye awukwazi ukufumana isiteyitimenti soluhlu lomhla olufunayo ngexesha elinye. Ngokomzekelo, ukufumana ingxelo ye-brokerage ngonyaka, kufuneka ukhuphe iingxelo ezili-12 ngenyanga nganye, uze uzihlanganise.
Ungandiphakeli nje isonka, ndiyeke ndihlele ezi tafile, akunjalo? Kuyonwabisa ngakumbi ukurhweba ngokucofa amaqhosha amabini kwitheminali. Kwelinye icala, iinkonzo ezibonelela ngokucingelwa ukuba ziyazenzekela zihlala ziqala ngento yokuba uzikhuphele ngokwakho ezi ngxelo kwaye uzilayishe ngesandla nazo. I-automation egqwesileyo, ndifuna ukukuxelela. Kwaye ngoku sihamba kakuhle kwindlela ezenzekelayo yokubala ezi ngxelo. Ngethamsanqa, abathengisi abakhuphisanayo bane-API efanelekileyo kunye nezinto ezahlukeneyo ezilungileyo kule nto.
Ngokuzenzekelayo
Siza kuhlalutya sisebenzisa umzekelo wotyalo-mali lwe-Tinkoff kunye ne-API yabo. Kukho iintlobo ezintathu zezicelo zokufumana iingxelo:
Ezokuqala zimbini zichaneke kakhulu, kuzo ikhomishini ehlawulwayo ide yaphulwa kubani (ikhomishini yomthengisi, ukutshintshiselana kunye neziko lokucoca). Idatha kwezi ngxelo zakhiwe emva kokuba zicutshungulwe ngabo bonke abaxhasi kwimodi ye-T-3. Kodwa ngelixa zipholile kakhulu kwaye zichanekile, okwangoku ziyacotha kwaye ziyingxaki. Ngaphandle kokungena kwiinkcukacha, ndiya kushiya amakhonkco kuphela. Ngamafutshane, ingxelo yokuqala ye-bug yayisekuqaleni kukaJanuwari, kodwa iyaqhubeka ingasebenzi https://github.com/Tinkoff/investAPI/issues/341 https://github.com/Tinkoff/investAPI/issues/367 https://github.com/Tinkoff/investAPI/issues/367 https: //github.com/Tinkoff/investAPI/issues/370 Kodwa asibabambeli inzondo ngale nto, kuba siyaqonda ukuba umntu onesiqingatha usebenzisa le misebenzi, ngandlela thile bayasebenza. Kwangaxeshanye, ngoku kukho amatyala abaluleke kakhulu malunga nezohlwayo njalo njalo. Ngoko ke, siphendukela kukhetho lwesithathu. Isicelo semisebenzi ye-GetOperationsByCursor . Le ndlela ayiyona ichanekileyo, iinkcukacha zokuthengiselana zingatshintsha ngaphambi kokuba zigqitywe kwingxelo ye-brokerage. Kodwa le ndlela ikhawuleza kangangoko kunokwenzeka kwiinjongo zokuqonda ngokubanzi. Ndiyisebenzisile ukudala inkonzo yokubala ukuhamba kwemali kwi-akhawunti ye-brokerage.
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Статья познавательная особенно на примере банка Тиньков, спасибо!