Inzala Elula: Ukujonga kunye nokubala

Inzala Elula Yenza Njani Imali Yakho

Inzala elula ngenye yeengcamango ezibalulekileyo zokufunda iimali. Ezinye izibalo zibandakanyeka kodwa azinzima, kwaye ababalawuli banokukwenza umsebenzi ukuba ukhetha. Ngokuqonda indlela umdla osebenza ngayo , unokwenza izigqibo ezingcono zezezimali.

Inkcazo elula

Inzala elula yimali oya kuhlawulwa ngemboleko okanye ngeniso oyifumanayo kwiifomethi.

• Xa uboleka imali , kufuneka ubuyisele imali oyiboleke kwaye wenze iintlawulo ezongezelelweyo.

• Xa uboleka imali (okanye ubeka imali kwiakhawunti ezithwele inzala njenge-akhawunti yokulondoloza ), ufumana imali engenayo ukuze wenze imali yakho ifumaneke kwabanye abantu.

Inzala kukuba imali eyongezelelweyo- imali eyongezelelweyo oyihlawulayo okanye uyifumana-kwaye ibalwa ngokusekelwe kwisixa semali sokuqala (esaziwa ngokuthi "inqununu").

Igama elithi "elula" lithetha ukuba usebenza ngendlela elula yokubala umdla. Emva kokuba uqonda indlela yokubala inzala elula , unako ukuqhubela kwezinye iintlobo, njengentengo yepesenti ye-anny ( APY ), izinga lepesenti yonyaka ( APR ), kunye nomdla wendima .

Inomdla Yomdla

Ukubala inzala elula, sebenzisa le fomula:

I = P x r x t

Inkcazo: Inzala elula (I) ibalwa ngokuphindaphinda iNqununu (p) amaxesha ama-Rate (r) ngamaxesha amaxesha exesha (t).

Umzekelo: Utyalomali i-$ 100 (inqununu) kwizinga eli-5% ngonyaka wonyaka ongu-1. Ukubalwa kwesithakazelo esilula kukuba:

1. P x r x t = I
2. $ 100 x 5% x 1 ngonyaka = $ 5
3. $ 100 x .05 x 1 ngonyaka = $ 5

Qaphela ukuba inzala (5%) ibhaliwe njenge-decimal (.05). Ukuze wenze izibalo zakho, uya kufuneka uguqule iipesenti kwii-decimals . Indlela elula yokukhumbula indlela ukucinga ngayo igama elithi "ipesenti" njenge "nge-100." Emva koko unako ukuguqula ipesenti kwisimo sawo sokugqibela ngokuhlukanisa ngama-100.

Umzekelo:

5 ihlulwe yi- 100 = .05

Qaphela ukuba ayikho i-5% eyahlula i-100, i-5. kuphela:

5/100 = .05

Izibalo: Ukuba awufuni ukwenza ezi zibalo ngokwakho, ungasebenzisa i-calculator, ispredishithi, okanye wenze i-Google izibalo kuwe. Mane uthayiphe ifomula kwibhokisi lokutshitshisa, buyela emuva, kwaye uza kubona iziphumo. Ngokomzekelo, uphando lwe "5/100" luya kwenza loo msebenzi mnye (impendulo kufuneka ibe .05).

Iminyaka emininzi: Ukuba inzala elula iya kubalwa ngaphezu kwe-1 iminyaka, kubala umvuzo wenzalo usebenzisa inqununu ukususela kunyaka wokuqala. Ngamanye amagama, unganyusa inqununu nganye kunyaka, ngaphandle kokuba utshintshele ukuvelisa inzala esikhundleni senzala elula.

Ukunqongophala kweNzala

Inzala elula yindlela ebalulekileyo yokujonga umdla. Ehlabathini lenene, umdla wakho-nokuba uyayikhokha okanye uyayifumana-idla ngokubalwa usebenzisa iindlela ezahlukeneyo. Nangona kunjalo, inzala esilulayo isiqalo esihle (kunye nesakhiwo esibalulekileyo sakhiwo), kwaye sinokukunika ingcamango jikelele malunga nokuba umbolekisi uza kuba yindleko okanye yintoni inzala-mali iya kubuya.

Njengoko ixesha elibandakanyekayo likhula ixesha elide (ukuba unxulumene neminyaka engama-30 yemali yokubolekwa kwemali endaweni yebhanki yebhanki yeminyaka eli-1, umzekelo), izibalo zenzalo elula zichanekileyo kunokuba zisetyenziswe ngendlela echanekileyo-usebenzisa ukuhlanganiswa, umzekelo.

Kwakunjalo "ukuxubusha kwamaxesha amaninzi." Umzekelo, xa uboleka ngekhadi lesikweletu, unokuqikelela ukuba unomdla onjani owuhlawulayo usebenzisa inzala elula.

Nangona kunjalo, amaninzi amakhadi eemboleko akhankanya umyinge wepesenti wonyaka ( APR ), kodwa inzala ihlawulwa imihla ngemihla. Ngenxa yoko, uya kuhlawulwa kakhulu kunokuba unokucinga ukuba usebenzisa i-calculation interest interest. Ukuchazwa ngokuchanekileyo kwezibalo zekhadi lesikweletu, bona ukuba iintlawulo zakho kunye neerhafu zenzalo zithintela njani ibhalansi lakho .

Into ephambili yokugcina engqondweni kukuba umdla ongenamdla awuyi kuthatha ingqalelo. Ukuhlanganiswa yinkqubo ephindaphindayo yokufumana (okanye ukuhlawula) inzala, ukongeza ukuba inzala kwibhalansi yakho enqununu, kwaye ufumana inzala eninzi kwinqanaba elilandelayo ngenxa yoluhlu olongezelelweyo.

Amanyathelo alandelayo

Ngoku ukuba uyayazi indlela umdla onomdla osebenza ngayo, unokwakheka kwiintlobo ezithandekayo.

Uninzi lwabo luyintlukwano yenzalo elula, okanye iphindaphinda amaxesha amaninzi kubomi bemboleko.

Qala ngokuzifundela nge- APY , echaza ukuhlanganiswa.

Unokubona nokuba unomdla onjani owuhlawulayo xa uboleka imali. Ukuqalisa amanye amanani kwi-matyala akho kunokukukhuthaza ukuba uboleke ngaphantsi kwaye ubuyisele imali ngokukhawuleza.

• Bona indlela yokusebenzisa iipredishithi (njenge-Excel okanye i-Google AmaSpredishithi) ukubala imali.
• Funda kabanzi malunga nokuhlawula ityala ekuqaleni .