Yenza iSicwangciso kwaye Yenzeke
Unayo ifowuni emifutshane yexesha - rhoqo rhoqo iintsuku ezili-10 okanye njalo-ukugqiba ukuba wenze ntoni kwaye unikeze imiyalelo kwibhanki yakho. Ukungenzi nto ngokuqhelekileyo kuthetha ukuba iCD iya kuvuselela: uya kuqalisa enye i-CD ngekota elifanayo ngaphambili. Kodwa oko akusoloko kuyona nto ingcono kakhulu, kwaye ihlale ilungileyo ukukhetha okwenzekayo kwimali yakho kunokuvumela ukuba ibhanki iyenzele yona.
Ixesha lokuhlola
Xa i-CD yakho ifanelekile, thatha ithuba lokuvavanya iinjongo zakho zemali kunye nesimo sakho sezimali sangoku. Izinto zihamba njani? Ngaba ufuna ukugcina imali kwiCD, okanye ngaba kungcono ukubeka imali kwenye indawo? Xa uqobo uthenge i-CD, mhlawumbi iyenze ingqiqo, kodwa iminyaka emininzi isenokudlulela ukususela ngaloo ndlela-kwaye ezininzi zinokutshintsha kuloo mali. Ukuba ugqiba ukubeka imali kwenye i-CD (okanye vumela ukuba ibhanki yakho iyenzele yona), qiniseka ukuba isigqibo esicacileyo - kungekhona okukhethiweyo.
Ukuphonononga iimali zakho kukukunceda ukuphepha ukuphatha i-CD yakho njengemali oyifumene kwi-jeans endala. Uzama ukukhawuleza ngemali "efunyenweyo", kodwa unokwenene ufuna ukugcina loo mali. Khumbula ukuba kutheni uthenge i-CD kwindawo yokuqala. Mhlawumbi kwakungenxa yokuhlawula , imoto yakho elandelayo, okanye umnatha wokhuseleko kwimimangalo yobomi .
Akudingeki wenze isigqibo ngokukhawuleza.
Ukuba ufuna ixesha lokuvavanya, thumela imali kwi- akhawunti yokulondoloza okwesikhashana. Musa nje ukulibala malunga nalo.
Ukuyigcina ikhuselekile
Ukuba unquma ukuba ufuna ukugcina loo mali iphephile (ngamanye amagama, uyavuya xa unomdla omncinci kwi -akhawunti yasebhanki ye-insured ), khangela zonke iinketho.
Thengeza ngeenxa zonke: ibhanki yakho yangoku inamaxabiso ama-CD xa uthenge i-CD yakho, kodwa ezinye iibhanki zinokukhuphisana ngakumbi ngoku. Jonga ukuba ungayifumana kangakanani ngokuguqula iibhanki , kodwa ungagxumi umkhumbi ngaphandle kokuba uyayifumana ngokwenene (ukubala ubuninzi beedola ngonyaka uya kuzuza ). Qinisekisa ukuba ufaka iimanyano zetyala kwi-search yakho. Ukutshintshwa kweebhanki kuthatha ixesha kunye namandla , kwaye imali yakho ayinakufumana nayiphi na umdla xa ihamba phakathi kweebhanki, ngoko ngamanye amaxesha ukutshintsha akufaneleki.
Yiya Imali yakho ivalwe ixesha elide, kwaye ngoku ikhululekile. Ukuba uthanda ukuba uvakalelwa njani, qwalasela ukusebenzisa i-CD ekhutshulwayo evumela ukurhoxiswa kwe-penalty (ngaphezulu okanye ngaphantsi) nayiphi na ixesha. I-tradeoff kukuba uya kufumana inzala engaphantsi, kodwa loo nto ingaba yintengo ozimisele ukuyihlawulisa ukuba uyayifuna imfuneko yobutyebi.
Iimali zeemarike zemali: ii-CD zihlawula ngaphezu kwe-akhawunti yokulondoloza, kodwa ahlale ehlawula ngaphezulu. Ukuba uthanda ingcamango yokuguquguquka, jonga kwi- akhawunti yemarike yemali , edla ngokuhlawula phantse ii-CDs-kodwa ikuvumele ukuba ufinyelele imali yakho. Iimali zeemarike zemali azikho njengamanzi njengengxelo yokujonga i-akhawunti, kodwa imali iyafumaneka "kwiinqununu."
Yenza isicwangciso: cwangcisa indlela ofuna ukutshala ngayo imali yakho. Ngaba ufuna ukuyibeka yonke kwiCD eyodwa, okanye ngaba uya kuthanda ukufumana enye imali yakho ikhula rhoqo emva kweenyanga ezintandathu okanye kunjalo?
Ikhefu leCD lingenza ukuba kwenzeke kuwe. Ukuba ucinga ukuba inzala yenzalo iya kuphakama okanye iyawa (okanye ukuba ucinga ukuba uya kuyidinga imali ngexesha elithile), uya kufuna ukukhetha ukukhula kwakho ngokucophelela.
Ukuhlawula amatyala
Enye inketho kukusebenzisa imali ukuhlawula iimali-mboleko. Khangela indlela ohlawula ngayo inzala xa kuthelekiswa nomdla oya kufumana kwenye iCD. Ukuba unesibhanki esinetyhefu njengetyala lekhadi lekhredithi eliphezulu, ungase ulungele ukucima ityala (kunye nokusika loo mioto).
Ngaphambi kokuba uthathe le ndlela, qiniseka ukuba unokuyenza ngaphandle kwemali. Le mali evela kwi-CD yakho inika ukhuseleko, kwaye ungayisebenzisa ukwenza iintlawulo eziphambili kwizinto eziphambili (njengemali yakho yokubolekwa kwemali, izindleko zemizi, nezindleko zonyango). Ukuphosa konke kwityala lakho kuthetha ukuba uya kuba nokunciphisa ukubuyela kwakhona - kodwa unokuthi ulahlekelwe neentlawulo ezimbalwa zenyanga, ezinokukunceda ukonge imali yakho kwakhona.
Kukulungele ukufumana imali engxamisekileyo ngemali. Ukuba ufuna ukunciphisa amatyala akho, le nto ingcinga. Zigqibo nje ukuba zininzi (ukuba zikhona) ukugcina ukugcinwa kuyo nayiphi na into emangalisa.
Ixesha elide loTyalomali
Ukuba unemali eninzi ekhoyo kwaye akukho netyala, unokufuna ukusebenzisa iintlobo ezahlukeneyo zotyalo-mali kwiinjongo zexesha elide (njengomhlalaphantsi).