Uqikelelo, Ukubala, kunye nokuthelekisa no-APR
Yintoni i-APY?
I-APY yinani elikuxelela ukuba uzakufumana phi inzala kunye nomdla wenkomfa ngaphezu kwonyaka omnye. Ingxelo yemali oyifumanayo kwi-deposit yakho yasekuqaleni, kunye nomdla owufumanayo ngaphezulu kweminye yemithwalo yemali.
I-APY ephezulu ilungile xa uvavanya i-akhawunti yakho yokugcina. Xa unomdla ohlawulayo, i-APY ephantsi ihamba phambili.
Xa ubeka imali kwi-akhawunti yokulondoloza, imarike yemali, okanye isitifiketi se-deposit (CD) , ufumana inzala. I-APY inokukubonisa ngokukodwa indlela enomdla oyifumana ngayo. Ngolu lwazi, unokugqiba isigqibo sokuba yeyiphi ibhanki ibhetele , kwaye ingaba ufuna ukutshixa imali yakho kwii-CD kwizinga eliphezulu.
Yintoni eyenza i-APY iyingqayizivele?
I-APY iluncedo kuba kuthatha ukuxubusha kwi-akhawunti-"inzala yenzalo" elula ayinayo. Ukuqineka kwenzeka xa ufumana inzala kwimdla owawuyifumene ngaphambili , oko kuthetha ukuba uzuza ngaphezu kwezinga lentengo ecatshulwa.
Umzekelo: Ubeka i-$ 1,000 kwi-akhawunti yokulondoloza ehlawula i-5 yepesenti yemali yonyaka. Ekupheleni konyaka, uya kuba ne-$ 1,050 (ekubanjeni ibhanki yakho ihlawula inzala kuphela kanye ngonyaka). Nangona kunjalo, ibhanki yakho ingabalwa kwaye ihlawule umrhumo wenyanga.
Kwimeko apho, uya kugqiba unyaka nge $ 1,051.16, kwaye ubuya kufumana i-APY engaphezulu kwama-5 ekhulwini. Ukwahlukana kunokubonakala kubancinci, kodwa kwiminyaka emininzi (okanye kunye neentlawulo ezinkulu), umlinganiselo uyabonakala.
Inkokhelo enye yonyaka: Ukuba ibhanki yakho ibalwa kwaye ihlawula inzala kuphela kuphela ekupheleni konyaka, ibhanki ingongeza i-$ 50 kwi-akhawunti yakho.
Ukuqulunqa ngenyanga: Ukuba inzala ibalwa kwaye ihlawulwa ngenyanga, ufumana amancinci amancinane ngenyanga. Kwitheyibhile engezantsi, phawula indlela umvuzo owenyuka ngayo nyanga zonke.
Yenza i-APY akhawunti kwezo zibalo eziqhelekileyo zokubala, ngoko kuchaneke ngakumbi kunomdla "umyinge." Ngethamsanqa, uhlala ukhangele i-APY ecatshulwe kwiibhanki-ngoko akudingeki wenze izibalo ngokwakho. Kodwa unako ukubala u-APY ngokwakho, kwaye siza kubhalela oku ngezantsi.
| Ikhefu | U kuzuza | Ukulingana |
| 1 | $ 4.17 | $ 1,004.17 |
| 2 | $ 4.18 | $ 1,008.35 |
| 3 | $ 4.20 | $ 1,012.55 |
| 4 | $ 4.22 | $ 1,016.77 |
| 5 | $ 4.24 | $ 1,021.01 |
| 6 | $ 4.25 | $ 1,025.26 |
| 7 | $ 4.27 | $ 1,029.53 |
| 8 | $ 4.29 | $ 1,033.82 |
| 9 | $ 4.31 | $ 1,038.13 |
| 10 | $ 4.33 | $ 1,042.46 |
| 11 | $ 4.34 | $ 1,046.80 |
| 12 | $ 4.36 | $ 1,051.16 |
APR ne APY
Intlawulo yepesenti yonyaka (APR) iyafana ne-APY, kodwa ayithathi ingqalelo.
I-APY ichanekile ngakumbi kune-APR kwezinye iimeko kuba ikuxelela ukuba imali-mboleko ixabisa ngokwenene njengendleko yenzalo. Kodwa xa uboleka imali, ubona kuphela i-APR. Enyanisweni, unakho ukuhlawula i-APY-ehlala iphakame kakhulu ngeentlobo ezithile zemboleko.
Imali-mboleko yemakhadi yemboleko ngumzekelo omhle wokubaluleka kokuqonda u-APR kunye ne-APY.
Ukuba unokulinganisela, uhlawula i-APY ephezulu kune-APR ecatshunwe. Ngoba? Iintlawulo zenzalo zongezwa kwi-balance yakho inyanga nganye, kwaye kwinyanga elandelayo, kufuneka uhlawule umdla ngaphezu kwaloo mdla. Oku kufana nokufumana inzala ngaphezulu kwenzalo oyenayo kwi-akhawunti yokulondoloza .
Ukwahlukana kungenokuba kubalulekile, kodwa kukho umehluko. Imali mboleko yakho enkulu kunye nexesha elide ulibolekayo, umkhulu lowo umehluko uba.
Ngomyinge we-mortgage ophantsi , i-APR ichanile ngakumbi kuba awufaki iirhafu zenzalo kwaye ukwandisa imali yokuboleka imali. Ingakumbi, ii-APR zeendleko zokuvala , ezingenakukunyanzelwa. Nangona kunjalo, ezinye iimali-mboleko ezilinganiselweyo zikhula ngokwenene (ukuba awuyi kuhlawula iindleko zenzalo njengoko zihambelana). Ukufumana ulwazi oluninzi, funda ngeentlobo ezahlukeneyo ze-APR .
Indlela yokubala i-APY
Ukubala i-APY yotyalo-mali ingaba ngumngeni. Kodwa ama-spreadsheets afana ne-Excel okanye i-Google AmaSpredishithi enza kube lula. Sebenzisa le spreadsheet (esele ikhona imizekelo engentla izaliswe) okanye landela inkqubo engezantsi.
- Yakha i-spreadsheet entsha.
- Faka inani lomdla kwi-cell A1 (amazinga omdla kufuneka ahambe kwifomati yedatha ).
- Faka ubungakanani bendiza kwisiselwana B1 (sebenzisa i-12 ngenyanga, enye ngonyaka, njl.).
- Namathisela le fomula elandelayo kunye nayiphi enye iseli: = AMANDLA ((1+ (A1 / B1)), B1) -1
Ngokomzekelo, ukuba isantya sonyaka sichazwe ngama-5 ekhulwini, udidi ".05" kwiseli A1. Emva koko, ukuhlanganiswa kwenyanga, faka "12" kwiseli B1. Qaphela ukuba kwimihla ngemihla ungayisebenzisa i-365 okanye i-360 kuxhomekeke kwibhanki yakho okanye umboleki.
Kulo mzekelo ngasentla, uya kufumana ukuba i-APY i-5.116 yeepesenti. Ngamanye amagama, inani le-interest rate ye-5 kunye neziphumo eziqhotyoshelweyo zenyanga kwi-APY ye-5.116 iphesenti. Zama ukutshintsha i-frequency compounding, kwaye uya kufumana ingcamango yokuba i-APY ishintsha njani. Ngokomzekelo, unokubonisa ukuhlanganiswa kwekota ngekota (ezine ngonyaka) okanye inkokhelo enye enyakeni-leyo ibangela kuphela kwi-5% ye-APY.
APY Formula
Ukuba uthanda ukwenza izibalo ngendlela endala, nantsi indlela yokubala i-APY:
I-APY = (1 + r / n) n- 1 apho ireyenti yenzalo yonyaka echaziweyo kunye n iyinani lamaxesha amaninzi ngonyaka.
Abantu bezeMali baya kuqonda oku njengokubalwa kweNqanaba lokuSebenza (EAR) eliphumelelayo.
Indlela yokufumana i-Best APY
I-APY iphezulu nangamaxesha amaninzi ahlanganiswayo. Ukuba ugcina imali kwi-akhawunti yebhanki , fumana ukuba kaninzi kangakanani imali. Yonke imihla okanye ngekota iyadlula kangcono kunokuqulunqwa kwonyaka-kodwa khangela i-APY nganye kwinketho ukuze uqiniseke.
Ungaphakamisa "i-APY yakho siqu". Khangela yonke i -asethi yakho njengenxalenye yomfanekiso omkhulu.
Ngamanye amagama, ungacingi ngotyalo-mali olulodwa lwe- CD njengoko luhluke kwi- akhawunti yakho yokujonga- bonke basebenzisana kunye neenjongo zakho, kwaye kufuneka babekwe ngokufanelekileyo. Cinga ngokwakho njengeGosa eliPhezulu lezeMali lawe, Inc.
Ukupompoza i-APY yakho yoqobo, fumana iindlela zokuqinisekisa ukuba imali yakho ihlanganiswa rhoqo ngangokunokwenzeka. Ukuba ii-CD ezimbini zihlawula inzala efanayo, khetha ityala elihlawulela inzala rhoqo kwaye i-APY ephezulu. Iintlawulo zakho zomdla ziya kuhlaziywa ngokuzenzekelayo-ngokuphindaphindiweyo, ngcono-kwaye uya kuqala ukufumana inzala eninzi kuloo ntlawulo.