Nabani na onokuboleka imali kunye nentlawulo yomdla, kodwa ngokuqhelekileyo ibhanki. Basebenzisa iipasipoti kwi-savings okanye ukujonga i-akhawunti ukuxhasa imali mboleko. Bahlawula irhafu yemali ukukhuthaza abantu ukuba benze iifomethi.
Amabhanki atyala ababoleki imali encinci yenzalo kunokuba bahlawula iifowuni ukuze bazuze. Ngelo xesha, iibhanki zincintisana ngokubambisana kunye nababoleki. Ukhuphiswano olusiphumo lugcina intsingiselo yemali kuyo yonke iibhanki kwindawo elula.
Iimali zenzalo zisebenza njani
Ibhanki isebenza ngenani lentengo kwisabelo esingakhokhelwa semali mboleko yakho okanye ibhalansi yekhadi lesikweletu . Kubalulekile ukwazi ukuba yintoni umlinganiselo wakho wenzala. Yona yodwa indlela yokukwazi ukuba ingaba yongeza kangakanani ityala lakho elivelele . Kufuneka uhlawule ubuncinane umdla inyanga nganye. Ukuba akunjalo, ityala lakho eligqityiweyo liya kwanda nangona uhlawula iintlawulo.
Nangona amazinga enzala ayancintisana kakhulu, awanjalo. Ibhanki iya kuhlawulisa ixabiso lentengo ephakamileyo xa icinga ukuba kunethuba elincinane ityala liya kuhlawulwa. Ngenxa yoko, iibhanki ziya kuhlala zibeka isamba semali ephakamileyo kwimali-mboleko ehamba phambili, njengamakhadi esikweleti.
Ezi ntlobo zemali-mboleko zibiza kakhulu ukulawula. Iibhanki zihlawulisa amazinga aphezulu kubantu abakujonga njengengozi. Kubalulekile ukwazi ukuba yeyiphi imilinganiselo yakho yekhredithi kunye nendlela yokuphucula ngayo. Ukuphakamisa amanqaku akho, ixabiso eliphantsi liza kufuneka lihlawule.
Amabhanki ahlawula iirhafu ezichanekileyo okanye amazinga atshintsha
Kuxhomekeke ekubeni imboleko iyimali-mboleko, ikhadi lekhredithi okanye ibhaso engakhokhelwa. Ixabiso langempela lemali linqunywe ngumbali weNondyebo we-10 okanye ngexabiso lemali elondliwe .
Iirhafu ezifihliweyo zihlala zifana kunye nobomi bomboleko. Iintlawulo zakho zokuqala zibandakanya inzala yentlawulo. Njengoko ixesha liqhubeka, uhlawula ipesenteji ephakamileyo nephakamileyo yetyala le nqununu. Ukuba wenza inkokhelo eyongezelelweyo, konke kuya kwinqununu. Unokuhlawula ityala ngokukhawuleza ngaloo ndlela. Imithwalo- mboleko yesigqithiso yesiganeko isingeniso -mboleko.
Iirhafu eziguquguqukayo zitshintsha ngezinga lokuqala. Xa izinga liphakama, kuya kuba njalo intlawulo mboleko yakho. Ngaloo mboleko, kufuneka ubeke ingqalelo kwizinga lokubaluleka, elisekelwe kwizinga lemali elondliwe. Ukuba wenza iintlawulo ezongezelelweyo, kuya kubuyela ekuhlawuleleni inqununu.
Qonda u-APR
I-APR imele ipesenteji yonyaka . Ikuvumela ukuba uthelekise iindleko zeendlela ezahlukeneyo zokuboleka. I-APR iquka nayiphi na irhafu ebhanki ingahlawula. Ezi ntlawulo zexesha elilodwa zibizwa ngokuba "ngamaphuzu" kuba ibhanki ibabala njengepesenti yepesenti. I-APR ingakunceda uqhathanise umboleko owenzela kuphela intlawulo yenzalo kumntu ohlawula inzala engaphantsi kunye namanqaku.
Iimali zenzalo zikhupha ukukhula koqoqosho
Ibhanki yeli lizwe libeka ixabiso lentengo. EUnited States, isantya semali esondliwe yile nqanaba elikhokelayo. Yiyiphi iibhanki ezihlawulana ngomvuzo wokulala ebusuku. I- Federal Reserve idinga ibhanki ukuba igcine iipesenti ezili-10 zeentlawulo zonke kwiindawo ezigcinwe ngobusuku bonke. Ngaphandle koko, babeza kuboleka nganye ipenki enye. Oku kwakungavumelekanga ngokwaneleyo kwesikhokhelo sokutsala kweentsuku ezilandelayo. Isantya semali esondayo sichaphazela ukubonelelwa kwemali yesizwe kwaye ngoko ke impilo yezoqoqosho.
Amanani omdla enza iimali-mboleko ezibiza kakhulu. Xa inani lamanani liphezulu, abantu abambalwa kunye namashishini anakho ukuboleka. Oku kunciphisa inani lemali-mboleko efumanekayo ukuxhasa imali yokuthenga, ukunciphisa umfuno wabathengi. Ngelo xesha, likhuthaza abantu abaninzi ukuba basindise kuba bafumana ngaphezulu kwizinga lokugcina imali .
Amaxabiso amanqanaba aphezulu ayanciphisa umthamo- mali okhoyo ukuze ukwandise amashishini, ukuphazamisa ukunikezelwa. Oku kuncitshiswa kohlengahlengiso kuthoba uqoqosho.
Iirhafu zenzalo ephantsi zinempembelelo eyahlukileyo kwezoqoqosho. Imilinganiselo ephantsi yokuboleka imali inefuthe elifanayo njengamaxabiso aphantsi kwezindlu, ukukhuthaza imfuno yokuthengisa impahla. Izindleko zokulondoloza ziyawa. Xa abasindisi befumana ukuba banomdla omncinci kwiimali zabo, banokugqiba ukuchitha ngaphezulu. Basenokufaka imali yabo ibe yingozi kakhulu, kodwa inenzuzo kakhulu, utyalo-mali. Oko kuqhuba amanani esitokisi . Iirhafu zenzalo eziphantsi zenza iimali-mboleko zoshishino zifikeleleke. Oko kukukhuthaza ukunyuka kwamashishini kunye nemisebenzi emitsha.
Ukuba banikezela ngeenzuzo ezininzi, kutheni ungeke ugcine amazinga amanqanaba onke phantsi? Ngokona nxalenye, urhulumente kunye neFed bakhetha ixabiso lentengo ephantsi. Kodwa ixabiso lentengo elincinci lingabangela ukunyuka kwamaxabiso . Ukuba kukho ubuninzi bexabiso, ngoko kufuneka ifune ukuphuma kunye nokunyuka kwamaxabiso. Le yinto enye yezimbangela ezibini zokunyuka kwamaxabiso .