Ukufumana iiRhafu ezingcono zeCD
Izinto ezibini ezibalulekileyo
Kukho izinto ezimbini ezibalulekileyo ezichaphazela amaxabiso e-bhanki yebhanki. Bazi:
- Ubude bexesha de i-CD ikhula, kwaye
- Umgangatho wenqanaba langoku
Ubude bexesha: kungekudala uza kubopha imali yakho, iphakamileyo izinga lakho liya kuba.
Hlola ngeenxa zonke, uya kufumana ukuba amaxabiso akhula njengoko ubude bexesha landa (umzekelo, i-CD yinyanga eyi-18 iya kuhlawula ngaphezu kwe-CD yenyanga eyi-6). Oku kungenxa yokuba sele uzinikezele ukushiya imali yakho kwidiphozithi, uguquko oluthe xaxa ibhanki inemali yakho. Bazimisele ukuhlawula ixabiso elingcono kuba bangasebenzisa imali yeenjongo ezahlukeneyo (kwaye mhlawumbi banokufumana ngaphezulu). Ewe, kukho ukungaqhelekanga kumgaqo kule mihla engaqinisekanga.
IiRhafu kwizoqoqosho: Iirhafu zamanqanaba ezikhoyo zibalulekile. Oko kukuthi, ukuba amaxabiso ngokubanzi ayenzeka ukuba aphakamileyo (okanye aphakame), amaxabiso e-bhanki yebhanki aya kuba phezulu (okanye aphakame). Amanqanaba aphezulu asebenzisanga kuma-CD kuphela-asebenza kwiimali-mboleko ezenziwa yibhanki ngemali yakho. Baya kuhlawulisa ababolekayo ngezinga eliphezulu, kwaye banakho ukukwazi ukugqithisa ngaphezulu.
Amabhanki ayazi ukuba uninzi lokukhetha.
Ukuba amaxabiso ngokubanzi aphezulu, umntu uya kukulungele ukuhlawula isantya esiphezulu kwi-CD deposits (kuba banokufumana okungaphezulu kokuthi ngokutyalomali okanye ukuboleka imali). Ngenxa yoko, unokulindela ukubona ama-CD amazinga ahamba ngaphezulu okanye ngaphantsi kwamanye amaxabiso.
Ezinye Izinto
Ezinye izinto zingathintela amanani e-CD yasebhanki.
Ngokomzekelo, unokufumana ukuba ibhanki izama ukuphumeza ibhishini elifutshane elifutshane ngokunikela amazinga aphezulu. Bayazi ukuba kukho abantu ngaphandle apho bathengela amaxabiso amaninzi e-CD, kwaye banethemba lokuba xa befumana umthengi emnyango umthengi uya kuhlala (kunye nokuzisa izinto ezingaphezulu).
Enye into yenzelwe inzuzo. Unokufumana ukuba iiyunivesithi zeekhredithi zinamazinga aphezulu kunamaxabiso e-CD yasebhanki. Ngenxa yokuba imibutho yamatyala ayiyenzi inzuzo , inokukwazi ukunikezela ngokuncinci kumalungu kwiindleko eziphezulu (iibhanki zinokufuneka zabelane ngeenzuzo zabo kunye nabatyalomali okanye zihlawule irhafu kubo).
Ukufumana iiRhafu zeBhanki ze-Best Bank
Nazi iziphakamiso ezimbalwa ezifuneka kukunceda ufumane iibhanki zeBhanki ezifanelekileyo zebhanki ezikhoyo: Okokuqala, sithenga ngeenxa zonke. Qala ngokutshekisha iphephandaba lakho, i-imeyile, kunye nemibhobho kumaziko angingqi. Hlola i-DepositAccounts.com kwiintetho zengingqi, kwaye ubone i- CD ye-Interest Rate Scorecard ukuze siqonde ukuba yeyiphi iindawo zokukhuphisana.
Enye ingcamango kukujonga nayiphi na imibutho yeentengo zemali ukuba ube nolwalamano. Buza malunga naliphi na i "specials" ezayo. Ngokuqhelekileyo uza kufumana enkulu into.
Sebenzisa ezi zinto zibini zikhankanywe ngasentla ngenzuzo yakho; ukuba ngaba awuyi kuyayidinga imali ixesha elide, ulifake ixesha elide (ngaphakathi kwesizathu - isantya se-CD yebhanki sinokuthi okanye akuyi kuba yinto ekhethekileyo xa ixesha lakho liphezulu ngaphezu kweminyaka emihlanu okanye njalo).
Kwakhona, bonani ukuba zithini iirhafu zemali. Ukuba ucinga ukuba baya kunyuka, unokuzuza ngokusebenzisa ixesha elifutshane kuba amanani e-CD yasebhanki aya kuba yinto ekhangayo kwixesha elizayo. Ngokuqinisekileyo, kunzima ukuqikelela iirhafu zemali kunye neemarike-ngoko ungazitshimi ukuzama ukuchitha ixesha elifanelekileyo.
- Ukufumana iinkcukacha malunga nendlela yokusetha izinto, khangela iiCape Investing Strategies
Ekugqibeleni, thengela ngobuninzi. Ukuba ufuna ukufumana amaxabiso angcono, ngamanye amaxesha kufuneka uhlangabezane nemilinganiselo ethile. Ukuba unempahla yakho isasazeka kumaziko ahlukeneyo, usenokuthi ulahlekelwe "kumaxabiso athengiweyo kumthengi". Fumana ukuba kukho nayiphi na inzuzo yokudibanisa ifa lakho kwiziko elinikeziweyo.
Ukufunda ngakumbi malunga nokufumana amaxabiso angcono ama-CD, khangela iphepha le- CD Basics .