Iinkonzo kunye neNgxaki yee-akhawunti ze-CD zeFlexible
IiCD zeAliphu zijongana neengxaki ezingentla, kodwa njengazo zonke, zineziphumo kunye neengxaki zabo.
Yiyiphi iCD CD?
I-CD yombane i-CD evumela ukuba uthabathe imali yakho ngaphambi kokuba i-CD ikhule ngaphandle kokuhlawula izigwebo zangaphambili .
Maxa wambi baziwa ngokuba "bengenazo ingozi" okanye "ii-CD", kuxhomekeke apho uhlala khona ebhanki.
Ngee-CD eziqhelekileyo, ibhanki yakho iya kuhlawulisa iirhafu xa uqhuba imali yakho ekuqaleni. Ngamanye amaxesha uya kuhlawula ngaphezu kokuba ufumene inzala - ngoko uya kugqiba ngaphantsi kokuqala kwakho (baya kutsala kwi-investor oyinqobo). Ngokomzekelo, ukuba uthenge i-CD yenyanga eyi-12, unokufuneka uhlawule inzala engama-6 ukuba uhoxise ngaphambi komhla wokukhula. Ukuba unayo i-CD kuphela kwiinyanga ezintathu, loo ntlawulo yeenyanga ezintandathu iya kuba neendleko ezingaphezu kwezinto ozifumene.
IiCD zamaxwebhu ahlukeneyo. Ukucinga ukuba ulandele yonke imithetho yasebhanki (jonga ngezantsi), unokwenza ukukhutshwa kwexesha lokuthoma. Ziindaba ezilungileyo ukuba ufuna imali ekuqaleni.
Tradeoffs
Akukho nto efana nesidlo sakusihlwa samahhala, ngoko yintoni indleko yokusebenzisa i-CD yombane? Ngokuqhelekileyo, ezi CD zihlawula inzala encinane kunama-CD aqhelekileyo-kwaye inengqondo kuba unenkululeko yokukhupha imali yakho.
Uya kufumana ngaphantsi kokulondolozwa kwakho kunye ne-CD yombane, kodwa umngcipheko wakho uphantsi. Oku kwenza kube lula ukuzinikela kwi-CD xa amaxabiso enzala aphantsi (kodwa kulindeleke ukuba avuke ngosuku olungaziwa kwixesha elizayo). Unokuhlala kunye nengxowa engxamisekileyo yesikhwama sokulondolozwa ukuba uyazi ukuba unayo imali yokugcina imali ekhoyo kumaCD angenayo.
Ngaba ixabiso eliphantsi lifanelekile? Kuxhomekeke kwimeko yakho, kunjalo. Kukho ezinye iindlela.
Ba sebenza njani
Ukufumana imali kwi-CD yombane akulula nje ngokuba kubiza ibhanki naliphi na ixesha uziva ngathi (kodwa akude kude). Zonke iibhanki kunye nemanyano yemali-mboleko iyahluke, ngoko kuya kufuneka uhlaziye umgaqo-nkqubo kwiziko lakho lezezimali ngaphambi kokuba uthenge i-CD.
Uninzi kangakanani: ezinye iibhanki zikuvumela ukuba uthathe i-100% yebhanki yakho ye-akhawunti kwi-CDs yamanzi, ngelixa abanye befuna ukuba ugcine ipesenti ethile ye-deposit yakho yokuqala kwi-akhawunti. Abanye bafuna ukuba ugcine inani elincinci leedola kwi-akhawunti ukukhusela izigwebo.
Imiba yexesha: kwiindawo ezininzi zeebhanki, kufuneka ulinde okungenani iveki emva kokuba uvula i-CD yakho yelwelo ukukrazula imali-ke ungatyala imali oya kuyidinga ngokukhawuleza. Emva koko, ezinye iibhanki zivumela ukurhoxiswa kwe-penalty-free ngenyanga okanye ngeveki, ngelixa abanye bavumela ukuhoxiswa kwesinye isohlwayo esikhatywayo kwixesha le-CD yakho.
Ukuhlawula isigwebo: ukuba awukwazi ukuhlangabezana neendlela zokurhoxiswa kwe-penalty kwi-CD yakho yombane, usenakho ukhetho lokuba "uphule" i-CD yakho kwaye uhlawule izigwebo. Oku kuya kuba yintlungu kuba ufumana inzala encinane kwaye kufuneka uhlawule iimrhumo, kodwa kunokufuneka kwiimeko ezingxamisekileyo.
Iindlela ezingezinye kwiiCD zoLimo
Ngaphambi kokuba usebenzise i-CD yombane, hlalutya zonke iinketho. Fumana isisombululo sokudala esifana nobomi bakho kunye nobuntu bakho bemali. Imizekelo embalwa ingezantsi.
Inkxaso engxamisekileyo yesikhwama: gcina ingxowa-mali engxamisekileyo eyaneleyo ukugubungela ubuninzi bee-curveballs zobomi, kwaye ubeke yonke "imali ekhuselekileyo" kwiiCD eziqhelekileyo. Ukuba kuvela ukuba udinga ngaphezu kokuba unayo kwingxowa-mali engxamisekileyo, qhubeka phambili kwaye uphule i-CD (kwaye uhlawule izigwebo). Oku akuyiyo into oceba ukuyenza, kwaye akufuneki ukuba kwenzeke ngokukhawuleza ukukhupha ibhanki.
Iimodeli zeCD: isicwangciso sokumakanisa siqinisekisa ukuba usoloko ufumana i-CD ekhulela ukukhula ngexesha elizayo (kwiinyanga ezintathu ukuya ezintandathu). Ukuba awuyi kuyidinga imali ngokukhawuleza , ezo ziqhamo eziqhelekileyo zinokukunceda ufikelele kwiindawo ezinqabileyo. Ngaphezulu, ukuba ixabiso lentengo liphakama, uya kuqhubeka uvuselela kwizinga eliphezulu.
Iimali zeemarike zemali: ukuba ngokwenene awufuni ukuvala imali yakho, jonga kwi-akhawunti yemarike yemarike njengenye indlela kumaCD e-liquid. Bakhokhela phantse ii CD, kodwa unako ukubhala iisesheke ezimbalwa kwaye uhambise imali ngeenxa zonke (nangona iimali zeemarike zemali nazo zinemiqathango - khangela kwibhanki yakho).