Ulwazi olubalulekileyo malunga namazinga okubuyela kwiibhondi ezinokubakho
Ukuzibophelela kwiNxeba
Ukuqonda isivuno sokubiza (okanye i-YTC), kuyimfuneko ukuba uqale uqonde ukuba yintoni isibophelelo esinokuthoba . Isibophelelo esinokuthi sinokuthi umnikeli-ngokuqhelekileyo umbutho okanye umasipala - unokukhulula okanye "ukubiza." Ngamanye amagama, banokuwuhlawula ngaphambi kokuba kufike umhla wokukhula komtshato.
Ezinye izibophelelo ezinokuthi ziyakuthiwa ngaliphi na ixesha. Abanye bangakwazi ukukhululwa kuphela emva kwexesha elithile. Ngokomzekelo, isibophelelo seminyaka engama-30 sinokubakhoka emva kweminyaka eyi-10.
Izibophelelo ezinokuthi zithwala izivuno eziphezulu kunezibophelelo ezingenakudityaniswa ngenxa yokuba isibophezelo singabizwa ukuba sishiye kumtyalomali ukuba isantya senzalo siwa. Inzuzo kumniki-mvume kukuba unokukwazi ukuhlaziya umxhesho ngezinga eliphantsi xa amazinga omdla ehla. Ukungahambi kakuhle kwimbono yomthengi kukuba ngenxa yokuba ubophelelo luyakuthiwa xa ama-interest interest rates aphantsi, umtyalo-mali unokubuyisela imali kuphela kwizinga elincinci lenzalo.
I-bond's-to-call yesibhambathiso ngumvuno oqikelelweyo utyalomali ufumana ukuba ubophezelo lubizwa ngokuba ngumnikeli phambi kokukhula kwakhe. Ngamanye amazwi, umniki-mali uhlawula ibhondi kumhla wokuqala wokufowunelwa okanye ngomhla ozayo emva komhla wokubophelela.
Umtyalo-mali ufuna ukugweba ubophelelo olusekelwe kwisivuno sawo ukubiza xa kunokwenzeka ukuba kubizwe ngaphandle kunokuvelisa ukukhula ngokomoya ngenxa yokuba akunakwenzeka ukuqhubela phambili ukuthengisa kuze kufike ukukhula.
Umbuzo uwukuthi, uyazi njani ukuba isivuno sinjani ukusetyenziswa?
Ukuzibophelela kokubi
Ulawulo lwesigwityi xa uhlalutya ibhondi kuhlala kusetyenziswa isivuno esisezantsi kunazo zonke.
Esi sibalo saziwa ngokuba "isivuno esibi kakhulu." Oku kuholele kumbuzo olandelayo. Ungayichazela njani into ephantsi, ukuvelisa ukukhula, okanye uvumele ukubiza?
Ukuba ibhondi ...
- Ukukhawuleza
- Ukurhweba kwi- premium ukuya kwixabiso layo (ixabiso layo li-$ 105 kodwa ixabiso layo liyi $ 100) kwaye
- I-isivuno-to-call ingaphantsi kwesivuno sokukhula
... ke uvumele ukubiza umnqweno ofanelekileyo ukuwusebenzisa. Masithi ibhondi ikhula iminyaka eyi-10 kwaye isivuno sayo ekuvuthweni singama-3.75 ekhulwini. Ibhondi inesibonelelo sofowuni esivumela umthumeli ukuba abize ubophelelo kwiminyaka emihlanu. Xa kubalwa ukukhula komxhesho kumhla wokufowunela, isivuno sinama-3.65 ekhulwini. Kule meko, i-3.65 pesenti yintengo-mbi kakhulu kwaye ngaba abatyala imali kufuneka bayisebenzise. Ngakolunye uhlangothi, ukuba isivuno sokukhula sasingaphantsi kwezi zibini, oko bekuya kuba ngumvuno.
Ukuqulunqa ukubuyiswa kwezoTyalo-mali
Okubaluleke kakhulu xa uqhathanisa izibophelelo ezinokubakho ukubuyiswa kobuchule xa ubizwa. Ukuqulunqa ukuba ukubuyiswa kuhle kakhulu kwenziwe ngekhamera yezimali okanye nayiphi na ininzi yezixhobo zokubala kwi-intanethi. Uya kufuneka ufake iinguqu ezithile kwi-calculator, eziya kuthi zivelise ukubuyela kwangempela kwi-mali. Nasi umzekelo:
- Ubungakanani buso: $ 10,000
- Isiqingatha sonyaka wekhuphoni : iipesenti ezi-7
- Iminyaka yokubiza: Iintlanu
- Iintlawulo zekhuphoni / unyaka: ezimbini
- I-premium yefowuni : ama-102 ekhulwini
- Intengo yebhondi yangoku: i-$ 9,000
I-calculator ye-yield-call-call iya kukhupha isiphumo emva kokuba la manani axhunyiwe. Kulo mzekelo, ukuboleka kwesibophelelo ukubiza umnxeba ngu-9.9, yinto ebuyisela ngayo ngokutsha utyalomali ukuba ibhondi ibizwa ngomhla wokuqala okhoyo.
Qaphela ukuba umtyalo-mali ufumana i-premium ngaphezu kwe-coupon rate-kule ngxaki, ama-102 ekhulwini -kuba ukubizwa kuthiwa. Oku kudla ngokuba yintsebenziswano yeebhondi ezinokuthi zenzeke ngakumbi kubatyalomali.