Ii-CD zininzi ukutshala imali ukuba ufuna ukugcina imali iphephile. Iifom zinokuba yi- FDIC insured (apho kufaneleke), kwaye unokufumana inzala engaphezulu kunokuba uza kufumana kwi-akhawunti yokulondoloza .
Kodwa ii-CD zenzelwe ukuba zityalo-mali zangexesha elide. Ngokungafani ne- akhawunti yakho yokutshekisha , evumela ukuthengiselana ezininzi (idiphozi kunye / okanye ukurhoxisa) ngalunye suku, iiCD zibhekisele ukuba zishiywe yedwa.
IShedyuli yeShedyuli yeShedyuli
Ukuba ukhupha kusasa, iibhanki ziyakuhlawula ihlawulo enokubakho inzala onokuyifumana xa ubambe iCD ukukhula. Unokuyibona icatshulwa ngokuthi "iintsuku ezingama-90 zentshisekelo" zokukhutshwa kwangaphambili. Akukho myalelo wesigwebo esiphezulu, ke qiniseka ukuba ufunde ukushicilelwa okulungileyo. Ishedyuli sohlwayo isampula sinokubonakala ngathi:
- Ii-CD zeenyanga ezili-11 okanye iifutshane zihlawulise iinyanga ezintathu
- Iinyanga ezingama-12 ukuya kwezi-59 ze-CD zihlawula inzala yeenyanga ezintandathu
- Inyanga engama-60 okanye iiCD ezininzi zihlawula inzala yeenyanga ezili-12
Kwakhona, iibhanki zibeka imigaqo-nkqubo yazo, ezinokuthi zingaphinde zithethelele. Hlola ngebhanki yakho ngaphambi kokuba uthenge i-CD - kwaye ngokuqinisekileyo ngaphambi kokuphuma kwangoko.
Ukuhamba Ngaphandle
Ukongezelela ekulahlekelweni ngemali onokuyifumana, unako ukulahlekelwa yimali kwaye uhambe ungaphantsi kokufakwa kwiCD.
Umzekelo, i-CD yenyanga eyi-12 kulula ukuyicinga ukuba uphuma emva kweenyanga ezili-11. Mhlawumbi uhamba kunye nangaphezulu kokuqala kokufaka kwi-CD (kungabi nakubungakanani, kodwa ubuncinane ufumene into). Kodwa kuthekani ukuba uphuma emva kweenyanga ezimbini? Awunakuthola inzala enyangeni ezintandathu kwaye awuyi kuze - kodwa ibhanki iya kusathabatha loo mali.
Ukuze wenze njalo, baya "hlasela inqununu" okanye bathathe idiphozi yakho yokuqala.
Indlela yokuphepha i-CD yezohlwayo
Ukuba ngokuqinisekileyo kufuneka uhlawule ngokukhawuleza, khangela ukuba kukho indlela yokudibanisa nayiphi na isohlwayo. Okokuqala, akuze kube buhlungu ukubuza. Ukuba usesikhungweni esinobungane okanye kumanyano omncinci wekredithi , abasebenzi banokukukhupha isigwebo. Ukuba akunjalo, bonke abakwaziyo kukuthi "akukho". Uzakufuna ukwenza oku kumntu-okanye (okanye mhlawumbi phezu kwefowuni) ukuba uya kucela ukuxoshwa - inkqubo enokuzenzekelayo ayiyi kukukwenza.
Kwakhona, unako ukufumana imvume yokufa, ukukhubazeka, umhlalaphantsi kunye nezinye iziganeko zobomi. Le yilapho ibalulekile (kwakhona kwakhona) ukuthetha ngokuthe ngqo nommeli kwaye ufumane ukuba unako ukufumana imvume yokukhutshwa.
Ukukhusela izigwebo kwixesha elizayo (ngaphandle kokuqikelela ikusasa), unokuzama ukusebenzisa iindlela ezinokuguquguquka. Ii-CD azikho izinto ezimbi - ufumana ngaphezulu ngokuthembisa ukushiya imali yakho yedwa - kodwa kunokukho iindlela ezingcono xa uqhubeka uhlawula ijehlwayo.
- IiCD ezixilisayo zifana neCDs eziqhelekileyo, kodwa ziyakuvumela ukuba udonse imali ngokukhawuleza. Ngamanye amaxesha umda weendlela zokuqala kunye nokuba zininzi, kodwa zifanelekile ukuvavanya.
- I-CD yokuLungisa isicwangciso apho uhlala uqokelele i-CD ngokukhawuleza, kukunika ithuba lokuthatha imali engenaso isohlwayo. Ngokomzekelo, unakho u-CD oqolileyo rhoqo emva kweenyanga ezintathu ukuya ezintandathu, ukunika okukhethwa kukho .
- Iimali zeemarike zemali zihlawula ngaphezu kwee-akhawunti zokulondoloza, kodwa ngokubanzi azikho ii CD. Inzuzo kukuba unako ukuchitha imali ngokukhawuleza kwi-akhawunti usebenzisa ikhadi lokukhwabanisa okanye i-checkbook.
- Amakhadi esikwereti yindlela ebiza kakhulu yokuboleka, kodwa ukuba ufuna imali ngokukhawuleza kwaye i-CD yakho iya kukhula ngokukhawuleza ingaba yindleko encinci ukubeka iindleko zongxamiseko kwikhadi (kwaye uyihlawule ngokukhawuleza xa i-CD ikhula). Ngokuqinisekileyo, ingcinga engcono kakhulu kukugcina i-fund ekhuselekileyo .
Isizathu Sokubangela Izohlwayo ze-CD
Ibhanki ilindele ukuba ugcine imali yakho imali-mali kwisithuba esincinci (njengeenyanga ezi-6, unyaka okanye iminyaka emi-5). Ebuyisela, ibhanki ikulungele ukukunika izinga eliphezulu. Ibhanki inenzuzo ngokuqinisekileyo malunga nokuba ungasebenzisa ixesha elingakanani imali yakho, kwaye awunayo iindleko zokuthengisana rhoqo ngaloo mali.
Kutheni ukuba i-bhanki ayinakukunika isantya esiphezulu kwaye unokuvumela ukuba usebenzise imali xa uvakalelwa ngathi?
Ngenxa yokuba ibhanki iyenzile ukuzinikela ngemali. Ibhanki inika imali kwabanye abathengi kwaye ithenga iimali-mali ezinokukhula ezinjengeCD.
Ukuba ufuna imali yakho kusasa, ibhanki inokufuneka ihlawule "isohlwayo" kwenye indawo. Ukufumana iinkcukacha ezingaphezulu, jonga ukuba iibhanki zenza imali ngemali yakho.