UkuHlola okuPhezulu
Xa uthengisa i-CD, ibhanki ithembisa ukukuhlawula umyinge onomlinganiselo wexesha elide (eli gama liphela ubude bokuba i-CD ihlala).
Ii-CD zihlawula iirhafu eziphezulu eziphezulu kunezinga elihlawulwe kwi- akhawunti yokulondoloza ngenxa yokuba uthembisa ukugcina imali yakho ivalwe ixesha elithile. Ngokomzekelo, ibhanki inokuthi ihlawule ukuhlawula i-3% kwi-CD yonyaka owodwa, kanti i-akhawunti yokugcina ihlawula i-2.25%. Emva kokuba unyaka usuphelile (ekukhuleni), loo nto iphela-ungayithatha imali yakho, kwaye 'ayinakukuhlawula i-3%.
Kuthatha ixesha elide ukulungiselela i-CD ukuba ikhulile
Uyakukhetha ukhetha ixesha elide le-CD yakho. Xa uthenga "iCD (okanye ubeke imali kuyo), ukhetha usuku lokukhula. Ukhetho oluqhelekileyo lubandakanya:
- Iinyanga ezintathu
- Iinyanga ezintandathu
- Unyaka omnye
- Kwiinyanga ezili-18
- Minyaka emihlanu
Usuku lokuvuthwa luhlala luyinxalenye yegama leCD. Umzekelo, ukuba uthenga "iinyanga ezi-6 zeCD," iCD iya kukhula iinyanga ezintandathu emva kokuba ubeke imali yakho kule akhawunti. Kwizitatimenti zakho (kwi-intanethi okanye ephepheni), unokubona usuku othenge ngalo i-CD okanye umhla oyi-CD.
Ukuba awuqinisekanga ukuba ungakanani ixesha elide, cela nje ibhanki yakho.
Ukuhoxiswa kwangaphambili: ukuba uyayikhipha imali yakho kwi-CD ngaphambi kokukhula (eyaziwa ngokuba "ukuphula" i-CD), ibhanki yakho inokuhlawulisa isohlwayo sokuthoma. Isohlwayo sisoloko sicatshulwa njengemali eninzi yeenyanga, okanye unokuhlawula umrhumo wendleko.
Ukufumana iinkcukacha ezingakumbi, funda malunga neentlawulo zokurhoxiswa kweCD .
IiCD CD: amanye ama-CD anokuvumela ukuba uqoqe imali ngaphambi kokukhula - ngaphandle kwesigwebo. Ezi "CD" zithandwa kakhulu (kuba abantu bathanda ukuguquguquka), kodwa akukho nto enjengokutya kwamahhala. Ukuze ukwazi ukukhupha kusasa, uza kuhlawula iindleko kwifom yezantsi ye-CD - awufumani imali eninzi kwimali yakho. Amanye ama-CD akwi-liquid ayakuvumela ukutsala yonke imali yakho ngaphandle xa abanye beka imingcele. Funda ngokubanzi malunga nendlela ii-CD ezisetyenziswa ngayo .
Yintoni eyenzekayo xa i-CD iMatures
Xa i-CD yakho ikhula, unokhetho oluninzi, kwaye kulungile ukuba usebenze.
Isaziso sokukhula: ibhanki yakho okanye umanyano weentengo zemali kufuneka ukuba ukuthumele isaziso kungekudala ngaphambi kokuba i-CD yakho ikhule (jonga umgaqo-DD). Izaziso zingase zifike ngeposi okanye i-imeyile rhoqo, kuxhomekeke kwindlela obeka ngayo izinto ngebhanki yakho. Qaphela ezi zaziso, ingakumbi:
- Usuku lokukhula kweCD yakho
- Isenzo esingagqibekanga xa ungenzi nto (ngokuqhelekileyo i-CD iya kuvuselela okanye idluliselwe kwenye iCD)
- Umlinganiselo wokuhlaziya iiCDs (ukuba oku kungaboniswa, qiniseka ukuba uyifumana - ngamanye amaxesha amazinga e-rollover aphantsi)
- Usuku lokukhula lokuvuselela iiCD
- Umhla wokugqibela ukucela isenzo esahlukileyo (njengokutshintshela imali kwi-akhawunti yakho yokugcina imali)
Ukugqithisa ngaphezulu: ukuba ungenzi nto, ibhanki yakho iya kufaka imali yakho kwenye iCD kunye nobude obufana neCD ekhulile. Umzekelo, ukuba i-CD yakho yesithandathu inyanga ikhula, uya kuba nefestile yeentsuku ezili-10 emva kokukhula ukunika imiyalelo ebhanki yakho. Ukuba awuyihoyi i saziso, ibhanki yakho iya kufaka enye imali kwiinyanga ezi-6 ze-CD. Nangona kunjalo, ungeke ukwazi ukufumana umlinganiselo ofanayo owawufumana kwi-CD-bhanki yokugqibela uya kuhlawulela oko abakwenzayo njengamanje kubantu abathengi ii-CD ezinyangeni ezintandathu, ezinokuba zininzi okanye ngaphantsi kunokuba unako ngaphambili. Ngaphezu koko, ezinye iibhanki zisebenzisa ixabiso lokuhlaziywa elincinci (ukuxhamla ubuvila kunye nabantu abaxakekileyo, mhlawumbi), ngoko oku kungenakukukhetha kwakho.
Unokukhetha: into ebaluleke kakhulu ukwazi ukuba unokhetho. Unako (phakathi kwezinye iindlela):
- Vumela iCD ivuselele kwaye ithathe oko ufumanayo
- Khetha i-CD eyahlukeneyo (mhlawumbi ukukhula okuhlukileyo, okanye iCD CD)
- Hambisa imali yakho kwibhanki eyahlukileyo kwaye usebenzise ii-CD zazo endaweni yoko
- Hambisa imali kwi-akhawunti yakho yokujonga okanye yokulondoloza kwaye uyisebenzise kwenye into
Into efanelekileyo ukuyenza kukuba uhlolisise imeko yakho yezemali kunye neenjongo zakho kwaye wenze isigqibo ngokufanelekileyo. Ukufumana iinkcukacha ezongezelelweyo ekwenzeni isinqumo esiqilileyo, bona Yintoni oyenzayo ngeCD ephezulu .
Ubunzima Kangakanani Ukukhula Kwakho Okufanele Kukube
Xa uthengisa iiCD, ufanele ukhethe ukuba ixesha elide liza kuhlala liphi iCD, kwaye ungazi ukuba yintoni ukukhula ekukhethiweyo. Kwakhona, iinjongo zakho kunye nemeko yakho kukunceda ukhethe ukukhula okufanelekileyo.
Ubude buphakamileyo: ngokuqhelekileyo, ixesha elide liza neenzala eziphezulu. Ukuba ufuna ukukhulisa umvuzo wakho, i-CD yonyaka omnye ihlawulwa ngaphezu kweenyanga ezintathu zeCD.
Inzala yokutshintsha inzala: ukuvalela ixesha elide kunokwenzeka okanye mhlawumbi kungeyiyo ingcamango efanelekileyo. Ibhanki yakho ibonisa amazinga omdla kwiiCD (inxalenye) ngokusekelwe kwiimali zenzalo kwenye indawo nendlela uqoqosho lwenziwa ngayo. IiRhafu zingahamba phezulu okanye ezantsi emva kokuthenga iCD.
Ukuba ucinga ukuba amaxabiso aya kuphakama ngaphezulu, kungcono ukuba unamathele ngexesha elifutshane (okanye li-liquid) ii-CD ukuze ungavalelwa ngezinga eliphantsi. Ukuba ucinga ukuba amaxabiso aya kuwa, ukuvala ukungena kwenza kube lula. Kakade, kunzima kakhulu-okanye akunakwenzeka-ukuqikelela ixesha kunye nolawulo lwenguquko yerhafu, kodwa kuyafaneleka ukugcina engqondweni.
Umlenze wokulungelelanisa: akufanele ukhethe ukukhula okukodwa. Kubulumko ukuba usasaze imali yakho phakathi kwamanani ahlukeneyo.
- Ezinye zazo ziya kwi-CD yenyanga eyi-6 (kwaye ivuselelwe ngokusebenzisa ii-CD ezinyangeni ezintandathu ekukhuleni)
- Ezinye zazo ziya kwi-CD yonyaka owodwa
- Ezinye zazo ziya kwi-CD yeminyaka emibili
Ngaloo ndlela, unosuku lokuvuthwa oluza emva kweenyanga ezintandathu okanye njalo, ngoko uya kufumana imali. Oku kukukunceda ukuphepha ukuhlawula izigwebo, kwaye unokulawula umngcipheko wokubamba inzala engalunganga. Ukufumana ulwazi oluthe vetshe, funda malunga namaqhinga okukhwela kwiCD .