Ubungakanani bemiba - Ubungakanani besayizi yomrhumo webhondi inani leebhonksi ezikhutshwe liphindwe lixabiso lobuso. Ngokomzekelo, ukuba iqumrhu likhupha izibhondi ezimbini zezigidi kunye nexabiso elingu-100 lempahla, ubungakanani bexabiso liyi $ 200 yezigidi zeedola.
Ubungakanani bokukhangela lubonisa iimfuno ezibolekayo zombutho okhupha izibophelelo , kunye neemfuno zeemarike zesibophelelo kwisivuno esamkelekileyo kumkhupheli.
Umhla wokukhutshwa komhla - Umhla wokukhutshwa ngumhla nje umhla okhutshwa ngawo umxhelo kwaye uqala ukunyusa umdla.
Usuku lokukhula - Usuku lokuvuthwa ngumhla apho umtyalo-mali angalindela ukuba inkokhelo yakhe ihlawulwe. Kuyakwazi ukuthenga nokuthengisa ibhondi kwimarike evulekileyo ngaphambi kosuku lokukhula.
Inani lokukhula - inani lemali umkhupheli uya kulihlawula umnini-bhondi ngosuku lokukhula. Oku kungathunyelwa "njengexabiso" okanye "ixabiso lomntu."
Ekubeni izibophelelwano zorhweba kwiimarike ezivulekileyo ukusuka kumhla wokukhutshwa kuze kube yilapho zikhula, ixabiso lemarike liza kuba lihlukile kunexabiso lokukhula. Nangona kunjalo, ukukhawulelana nokungagqibekanga, abatyali-mali bangalindela ukufumana ixabiso lokukhula ngexesha lokukhula okukhethiweyo, nokuba ixabiso lemarike yebhanki litshintsha ngexesha lokuphila kwalo.
Ikhuphoni - Ixabiso lekhuphoni yintlawulo yenzalo yesikhokhelo eyenziwa ngumniki-mali ngexesha lobomi bentambo. Ngokomzekelo, ukuba ukhonkco olunexabiso le-$ 10,000 lokukhula lunikeza isigqebantshintshi se-5%, umtyalo-mali unokulindela ukufumana i-$ 500 ngamnye kunyaka de i-bond bond ikhule. Igama elithi "isigqebhezana" livela kwiintsuku apho abatyali-mali beza kubamba izatifikethi zokubambisa izikhwama kunye neenkonkoni zangempela eziza kunqumla kwaye zinikezele ngenkokhelo.
Ukuvelisa Ukukhula - Njengoko ukubophelelana kwintengiso kwiimarike ezivulekileyo, isivuno sangempela utyalo-mali ufumana ukuba bathenga i-bond emva komhla wokuphuma kwayo ("isivuno sokukhula") uhlukile kunezinga lekhuphoni.
Ngokomzekelo, thatha idoli ivela kumzekelo ongentla. Inkampani ibandakanya izibophelelo zeminyaka elishumi elinama-10 000 nganye kunye nekhuphoni ye-5%. Kwiminyaka emibini elandelayo emva kokukhutshwa, amava enkampani akhuphulayo amavuzo, okongeza imali kwiimakhishithi kunye nokubonelela ngesimo esiphezulu semali. Yonke into elinganayo, izibophelelo zayo ziya kuvela kwixabiso, zithi kwi $ 10,500, kwaye isivuno siza kuwa (kuba amaxabiso kunye nezivuno zihamba ngendlela echaseneyo ). Ngelixa iqela liza kuhlala li-5%, oko kuthetha ukuba abatyali-mali baya kufumana inkokhelo efanayo ngonyaka (i-$ 500), umtyalo-mali owathenge isibophelelo emva kokuba sele esenyuka kwixabiso uya kufumana isivuno esingaphantsi kokukhula. Kule meko: isigqebhezana se-$ 500 esabelwe i-$ 10,500 yexabiso elijongene nalo, ukwenzela ukuba isivuno sokukhula ku-4.76%. Ngaloo ndlela, ikhuphoni yekhonkco kunye nesivuno sayo sangempela ayikho into efanayo. Ukuvelisa ekuvuthweni, kungekhona isigqebhezana, isivuno-mali umtyalomali uya kufumana emva kokuthenga isibophelelo.
Funda kabanzi malunga neziseko zesiseko .