Ukuqonda iziBondla eziCallable

Ubungozi kunye nemivuzo yeebhondi ezinokuhlawulelwa kwangaphambili

Ukuba uke wakha umboleko okanye imboleko yemoto , mhlawumbi unakho ukhetho lokuhlawula umboleko kwangaphambili.

Ukuboleka imali, kukho iintlobo ezikhethekileyo zokuhlawula imali mboleko kwangaphambili. Kodwa kumntu onetyala ngemali, ukuhlawulwa kwangethuba akukona kakhulu.

Kwihlabathi leebhondi, i-equation iyafana.

Ukuhlawulwa kwangaphambili kulungile kumniki-mboleko (umbolekisi), kodwa akunjalo kakhulu kumthengi womthengi (umenzi wemboleko).

Ukuva uFowuni

Xa uthenge isibophelelo uvalela imali yakho ngokutshintshisa inani lokubuyisela. Ukuba, ngokomzekelo, uthenge i-nice, ekhuselekileyo, iminyaka-15, isibophelelo se-Aaa-rated corporation ehlawula i-4%, ngoko ulindele ukuqokelela i-4% kwiminyaka eli-15 elandelayo.

Ininzi yexesha, iqumrhu elithengisa ubophelelo livumelekile ukuhlawula ukuba 4% kwiminyaka eli-15 elandelayo. Kodwa ngamanye amaxesha umnini-mthengisi unelungelo lokutshintsha ingqondo yakhe kwaye "ukubiza" ukugqithiswa kwangaphambili - ukuhlawula inqununu nokuphelisa umboleko ngaphambi kokuba ukhule.

Izibophelelo ezinjalo zibhekiswa ngokuthi "zithobekile." Ziqhelekileyo kwiimarike zenkampani kwaye ziqhelekileyo kwiimarike ezibopheleleyo.

Ubungozi beBlan Calbleble

Ekuboneni kokuqala, ukuthenga isibophelelo esithembekileyo asibonakali naluphi na umthwalo kunokuthenga enye intambo. Kodwa kukho izizathu zokulumkela.

• Okokuqala , ukubophelela kubangele umtyalo-mali ukuba " ahlawule ingozi ."

  Abaxhasi bavame ukubiza iibhondi xa amazinga omdla ewa. Oku kungaba yintlekele kumtyalo-mali ocinga ukuba uvalelwe ngenqanaba lomdla kunye nenqanaba lokhuseleko.

  Makhe sibone kwakhona kulo hlobo oluhle, olukhuselekileyo lwe-Aaa-valuated bond bond, ehlawula i-4% ngonyaka. Cinga ukuba i-Federal Reserve Bank iqalisa ukunciphisa inzala. Ngokukhawuleza, isantya seminyaka elishumi elinama-15, isibophelelo esibanjwe yi-Aaa-rateed falls to 2%. Umnikezeli webhondi yakho ubheka kwiimarike kwaye unquma ukuba unomdla ongcono kakhulu wokuhlawula ezo zibophelelo ezidala kunye nokuboleka kwakhona kwi-2%.

  Wena umtyalomali uza kubuyisa inqununu yokuqala ye-bond-$ 1,000. Kodwa awuyi kukwazi ukubuyisela kwakhona inqununu kwaye ufanise ukubuyela kwakho. Ngoku kuya kufuneka ukuba uthenge isibophelelo esincinane ukuba ufumane ukubuyela kwe-4% okanye ukuthenga esinye isibophelelo esikhankanywe nge-Aaa kwaye wamkele ukubuyela kwe-2%.

• Okwesibini , iimarike zebhanki zabasebenzi ziyazi ukuba enye yeephoso eziqhelekileyo abavumi-mali abenzayo kukuba bathenge isibophelelo esinokuthotyelwa kwimarike yesibini, okanye ngaphezulu kwemarike, njengoko iirhafu ziwela kwaye "njengomhla wokubiza" - umhla apho umnikezeli unelungelo lokubuyisela kwakhona ukubophelelana.

  Kuloo meko, umtyalo-mali unokuhlawula imali engama-$ 1,000, ahlawule ikhomishoni, aze afumane ngokukhawuleza ukuba loo mboleko iyabizwa. Uya kuphinda abuyele i-$ 1,000 yakhe, kodwa uya kuhlawula ityala ngaphandle kwetyala.

Ngaba ufanele uthenge isibophelelo esinokuthotywa?

Ukuthenga nayiphi na imali yotyalo-mali kufuna ukuba ulinganise ukubuyiswa okusemandleni okujongene nobungozi.

Kwaye inyaniso kukuba ukuba abatyali-mali basingeniso bangenele, ukuxhamla izibophelelo kunokuba nzima kakhulu ukucinga. Ngokomzekelo, amaxabiso amabhondi athobileyo kwimarike yesibini ahamba ngokungafaniyo nakwexabiso lamanye amabhondi. Xa ixabiso lesigqithiso liyawa, amaninzi exabiso lesondlo liphakama. Kodwa iintengo ezinxulumene nezibophelelo ziyawa xa amaxabiso awela-into ebizwa ngokuthi "ukunyaniseka kwexabiso."

Kodwa nangona kunjalo, izibophelelo ezinokuzithengisa zibonelela ngezinto ezinomdla kubalimi abanamava .

Ukuba ucinga ngokubambisana, uya kufuna ukujonga izinto ezimbini ezibalulekileyo.

1. Yintoni okulindele ukuba yenzeke kwiirhafu zemali phakathi kosuku kunye nomhla wokufowunelwa? Ukuba ucinga ukuba izabelo ziya kuvuka okanye zihlale zizinzileyo, akudingeki ukuba uxhalabele ngokubambisana.
2. Kodwa ukuba ucinga ukuba amaxabiso awela, uya kufuna ukuhlawulwa ngenxa yengozi eyongezelelweyo kwisibophelelo esinokuthotywa. Ngoko sithenga ngeenxa zonke.

   Izibophelelo ezikhawulezayo zihlawula umlinganiselo wenzalo ephakamileyo kakhulu ukuhlawula umngcipheko owongeziweyo. Ezinye izibophelelo ezinamathelwano nazo ziza kubakho ixabiso eliphakamileyo xa libizwa, oko kukuthi, umtyalo-mali unokubuyisela i-$ 1,050 kuneengxowa-mali eziyi-1 000 ukuba ubophelelo lubizwa.

   Ngoko qiniseka ukuba ubophelo oluthengayo lunikeza umvuzo owanelisayo ukufihla ingozi eyongezelelweyo.