Yiyiphi intsingiselo yeNzala echaza kwiBhanki
Ngokuxhomekeka kwimeko, inzala ingacatshulwa ize ibalwe ngeendlela ezahlukeneyo.
Xa ufaka imali kwi-akhawunti yebhanki okanye i-akhawunti efanayo, uboleka imali leyo ebhanki kwaye ufumana inzala.
Xa uboleka imali , uhlawula inzala ngokutshintshela ukusebenzisa imali yomnye umntu .
Iyini Inzala Yomdla Oyifumanayo?
Xa ubeka imali ebhankini, unokufumana inzala kuloo mali - ingakumbi ukuba uyifake kwi-akhawunti yokugcina okanye izitifiketi zediphozi (iiCD) . Nangona kunjalo, iingxelo ezivumela ukuchitha imali yansuku zonke, ezifana nokujonga i-akhawunti, ngokuqhelekileyo azihlawuli umdla (ngaphandle kokuba zithengisa i- akhawunti ).
Ibhanki ithatha imali oyifakayo kwaye uyayisebenzisa ukuze ufumane imali engaphezulu. Ibhanki iya kutyalwa imali ngokuboleka abanye abathengi (ukubonelela ngemali mboleko okanye amakhadi esikwereti, umzekelo) okanye utyalomali ngezinye iindlela .
I-APY: inzala oyifumana kwi-bhanki okanye kwimanyano yekhredithi icatshulwe njengesivuno sepesenti ngonyaka (APY) . Ngokomzekelo, i-akhawunti yokulondoloza inokuhlawula i-2% APY. I-APY isetyenziswa ngokuqhelekileyo kuba kuthatha ingqalelo kwi-akhawunti. Umyinge wenzalo owufumanayo uhlala uhla ngaphantsi kwe-APY ecatshulweyo, kodwa emva kokuxubusha (ukufumana umdla ngaphezu komdla owawuthola ngaphambili ) unokufumana i-APY epheleleyo.
Ukuba ushiya imali yakho engakhange uyenze, kufuneka ufumane inzuzo elinganayo ne-APY ngaphezu konyaka owodwa. Ngenxa yokuba izinga liyingephesenti, unako ukubala ukuba ungaphi iirandi oza kuzuza ngaphandle kokuba ubeka imali engakanani. Kukho iindlela ezininzi zokubala umvuzo wemali , kuquka iipredishithi, i-calculators online, kunye nama-equation ngesandla.
Yiyiphi Intlawulo yeMali oyihlawulayo?
Xa uboleka imali, ababolekisi bafuna ukuba uyihlawule ngomngcipheko wabo-abazi ukuba uya kubuyisela imali mboleko, ngoko bafuna umvuzo.
APR: Izinga lomhlala-mboleko kwiimali mboleko zabathengi zicatshulwe ngephesenti yonyaka (APR) . Leyo nani inokuxelela ukuba unokulindela kangakanani ukuhlawulela unyaka ngamnye usebenzisa imali, kwaye iquka iintlawulo ezingaphezulu nangaphezulu kweendleko zenzalo. Ngenxa yoko, i-APR ingenakulungeleka (ukuba awuyi kugcina imali mboleko ngokude ukulindele, umzekelo). Ukubala okuhlambulukileyo ukuba uhlawula iindleko zenzalo kuphela, kubala iindleko zenzalo ezilula endaweni yoko.
Xa uhlawula umdla, imali ihambe kakuhle. Kungenzeka ukuba ulahle iindleko zentshisekelo (njengendleko yoshishino, okanye njengenxalenye yendlu oyenayo ), kodwa oko kuya kuhlanganisa kuphela inxalenye yeendleko zakho zonke.
Ixabiso eliphantsi lingcono: ngokuqhelekileyo lilungele ukuhlawula umyinge kwizinga eliphantsi kunokwenzeka. Nangona kunjalo, kunokukho imeko xa ukhetha (okanye umele ukwamkele) umboleko ophezulu wezinga lomyinge - ingakumbi ngemali mboleko emfutshane . Xa kuthelekiswa namazinga, jonga ngokukhawuleza kuzo zonke iindleko ezibandakanyekayo. Ababolekisi bangasebenzisa izinto ukwenza ukuba kubonakale ngathi uhlawula ngaphantsi kwakho (ngokucaphula inzala ephantsi okanye ukuhlawulwa kwenyanga, kodwa ukuhlawula intengo yemoto, umzekelo).
Njalo ugijime iinombolo ngokwakho uze uqhathanise ongakhetha phambi kokuba uzinikele.
Ipesenteji
Ingaba usebenzisa i-APR, i-APY, okanye enye indlela yokucaphula inzala, amaxabiso acatshulwe njengepesenti. Oko kuthetha ukuba kulula ukubala intlawulo yemali okanye iindleko. Igama leepesenti lithetha "ngekhulu." Ngenxa yoko, unokulinganisela inzala kuwo wonke ama-dollar ayibolekayo okanye uyifake.
Ngokomzekelo, cinga ukuba ibhanki yakho ihlawula i-2% ye-APY kwindleko yakho. Kuzo zonke i $ 100 ozifakayo, ungalindela ukufumana i-$ 2 ngaphezu kwexesha lonyaka. Faka enye indlela, uza kufumana iidola ezimbini kwiidola ezilikhulu.
Kutheni iRhafu yeNtengo ishintsha?
IiRhafu zitshintsha ngexesha, zihamba ziphezulu okanye ziphantsi-ngamanye amaxesha ngokumangalisayo. Imiba embalwa echaphazela amazinga omyinge:
- Imiqathango yezoqoqosho - xa uqoqosho luzinzileyo, amaxabiso athambe ukunyuka (kungekudala okanye kamva)
- Umngcipheko weBhorensi - ababoleki abaneenqaku eliphezulu zemali-mboleko bavame ukuba namazinga aphantsi
- Iimpawu zokubolekisa - ababolekisi bavavanya yonke imimiselo yomboleko ukucacisa amaxabiso, kunye nemali-mboleko emfutshane-mboleko okanye iitalente eziqinisekisiwe ngokubambisa zihlala ziphantsi
- Isifiso sokwenza imali-mboleko okanye ukuqokelela i-deposits-ababolekisi baya kunciphisa amaxabiso ukuba bazimisele ukubolekisa, kwaye iibhanki ziya kuphakamisa iirhafu ukuba zizama ukutsala imali embi kwiziko
Ngaba ingaba isilinganiselo sakho siya kutshintsha kuxhomekeke kuhlobo lwe-akhawunti oyisebenzisayo.
- Ukugcina imali, ukuhlola, kunye nemali yemarike yemali inokutshintshwa ngokubanzi nayiphi na ixesha, kodwa utshintsho luvame ukufika kwi "chunks" (ngokuchasene noshintsho yonke imihla)
- Imilinganiselo yokubolekisa inokutshintsha xa unesilinganiselo esingafaniyo (okanye uhlawulelo lwemali), kodwa amazinga omboleko omyinge angaguqukanga
- Amaxabiso eCD ayitshintshi de i-CD ikhula , kodwa ezinye iiCD zilungelelanisa iirhafu ngexesha
Ixabiso lokubuyiswa: ngaphandle kwezinga elilinganayo lemali, ezinye iimali-mali zinomlinganiselo wokubuyisela (ukuba abalahlekelwa yimali). Ireyithi yokubuyiswa iyahluke kwinqanaba lentlalo ecatshulwayo kuba akukho nto ingaqinisekanga ukuba uya kufumana izinga lokubuyisela. Amanqanaba omdla, nangona angatshintsha, angabalwa ngokugqithiseleyo de kube utshintsho olupapashwe lwenzeka.