Ukuthengiswa kwemali kwiBhanki
Ngokuqhelekileyo, abathengi abanemali emikhulu bayagxothwa kuhlawulelo oluchanekileyo (kunye nezinye iintlobo zeemveliso).
Abaxhasi abanakho ukuhlaziywa ngamaxabiso atholakalayo kwiziqinisekiso zediphozithi (iiCD) , okanye i-ejenti kwibhankini inokuthanda ngokukodwa ukuhlawula.
Oku akusiyo "imali yokufumana ingeniso yokuphila" imali ehlawulwa kuyo yonke imihla yobomi bakho, nangona unako ukuguqula umrhumo wemali xa ufuna. Kunoko, ezi zifana neakhawunti zotyotyalo-mali ozenzayo kwaye (ethemba) zifumana ngaphezulu kwimali yakho.
Ngamanye amaxesha i-annuity iyona nto umthengi ayifunayo. Nangona kunjalo, kukho amabali amaninzi malunga nabathengi abahamba bephuma ebhankini kunye nemveliso abayidingiyo.
Ngaba unyaka unyaka?
Masicacise ngokucacileyo ukuba ama- annuities awayimbi . Banikezela iimpawu kunye nokuqinisekisa ukuba awukwazi ukufumana kwenye imveliso. Nangona kunjalo, ukuxhatshazwa kwenzelwe ukuphathwa kakubi ngabanye kuba bahlawula iikomishoni eziphezulu.
Izibonelelo kwiBhanki
Kwixesha elidlulileyo, ukusabela okuqhelekileyo ukusuka kwibhankini kwakukunikezela ukuhlawula kumthengi owayefuna ngaphezu kwe-akhawunti yokugcina i-vanilla.
Amabhanki afumana iilayisenisi ze-inshorensi zabasebenzi abakhethiweyo ukuze bakwazi ukunikela ngale mveliso, kwaye umqeshwa uyavuzwa ngothumo okanye kwiprogram yokukhuthaza ibhanki. Enye ilungiselelo elongezelelweyo lingaba nokuba namaqela anesithathu azimeleyo anikela ngemveliso ebhanki ayinikeliyo (njengendlela yokunikela ngokubanzi kubathengi).
Ngokuthengisa i-annuity, ibhanki iyakwazi ukugcina ubudlelwane kunye nomthengi kwaye ivelise enye ingeniso. Nangona kunjalo, kuthekani ukuba umthengi wayefuna into ngaphandle kwenyanga leyo? Kwangexesha elide, i-annuities yayingumtsalane othandekayo kwingxowankulu yebhanki yeminye iminikelo. Ngaphandle kwelayisenisi ye-inshurensi, ibhanki inokubonelela ngeendlela ezininzi ezahlukeneyo.
Ezinye iibhanki zidibanisa nabathengi ngokukhawuleza ukuba banikele ngemali ehlawulwayo. Abaxhasi abanemali emikhulu yemali bafumana iifowuni kunye neefowuni ezibazisa ukuba ibhanki ingaphezulu nje kokulondoloza kunye neeCD.
Imibuzo Yokubuza
Ukuba umntu osebhankini lakho uncoma ukuba usebenzise i-annuity, uphando ngeenjongo zabo. Eminye imibuzo ekufuneka uyibuze ingaba:
- Kutheni ndifanele ndisebenzise le ntlawulo?
- Ziyintoni umahluko phakathi kokusebenzisa le mali kunye nokusebenzisa iiCD (okanye i- akhawunti yemarike yemali , okanye ukugcina imali okanye nayiphi na into)
- Ingaba imali yam ivalwe (ixesha elide, kwaye yintoni iindleko zokunikezela ukukhupha kwangaphambili)?
- Ziziphi iimali kunye neendleko ndihlawulela le mveliso, kwaye ngaba zikhona ezinye izakhiwo zemali?
- Ixesha elide lihlawula umlinganiselo wenzalo oboniswe kwiintengiso zakho (unyaka wokuqala kuphela, okanye ngonaphakade)?
- Yintoni eyenzekayo xa ndiphuma kwaye ndihambe-ndingakanani na ukuba ndiwugcine?
- Ngaba wena kunye / okanye ibhanki uya kufumana ikhomishini ukuba ndiyisebenzise i-annuity?
- Ngaba unayo ubuchule, ilayisenisi, kunye / okanye igunya lokundinika into ngaphandle kwenyanga ?
Le mibuzo kufuneka ikuncede ukuba uqondwe ngcono ukuba ngubani na ojongene naye kwaye ukuba bayayithanda into enomdla. Ukuthembela umntu onemali yakho kufuna ukuba ukwazi ukuba ungena ntoni, kwaye le mibuzo ingentla inokukunceda wenze okungenani inkqubela phambili ekujoliswe kuyo.
Igosa elithembekileyo liya kuphendula le mibuzo ngombandela wendlela. Bamele bavume ukuba banokuthi bahlasele, kwaye baqhubeke nokubonelela ngombono olinganiselayo wezorhwebo phakathi kweemali kunye nezinye iimveliso.
Sebenzisa umqondo wakho oqhelekileyo ukugqiba ukuba ngaba ufumana "uncedo" okanye i-pitch pitch. Yonke into idinga ukucaciswa ngokwemiqathango onokuyiqonda . Khumbula ukuba akukho nto igqibeleleyo, ngoko uya kufuna ukuva malunga nokushiya okanye ukuhlawula ngaphambi kokuba uqhubeke phambili.
Ukuba kuzwakala kuntle ukuba kube yinyani, mhlawumbi.