Inzala Yezenzo Zemivuzo Yemihla ngemihla
Kukho iindlela ezininzi ezahlukahlukeneyo zokubala umdla, kwaye ezinye iindlela zinenzuzo kubaboleki. Isigqibo sokuhlawula umyinge kuxhomekeke kwinto oyifumanayo, kwaye isigqibo sokufumana inzala kuxhomekeke kwezinye iindlela ezikhoyo zokufumana imali.
Yintoni Inomdla?
Inzala ibalwa njengepesenti yemali-mboleko (okanye idiphozithi), ihlawulwe kumbolekisi ngokukhawuleza ngelungelo lokusebenzisa imali yabo. Isixa sicatshulwa njengesantya sonyaka, kodwa inzala ingabalwa ngezikhathi ezinde okanye ezimfutshane kunonyaka owodwa.
Inzala iyimali eyongezelelweyo ekufuneka ibuyiselwe - ngaphezu kwe-balance balance loan okanye idiphozithi. Ukuyibeka ngenye indlela, cinga ngombuzo: Kuthatha ukuthini ukuboleka imali? Impendulo: Imali engaphezulu.
Xa uboleka: Ukuboleka imali, kufuneka uhlawule oko ubolekayo. Ukongezelela, ukuhlawulela umboleki-mngcipheko wokuboleka imali (kunye nokungakwazi kwabo ukusebenzisa nayiphi na indawo xa usebenzisa yona), kufuneka uhlawule ngaphezu kokuboleka .
Xa ubolekisa: Ukuba unemali eyongezelelweyo, unokuziboleka wena okanye ubeke imali kwi-akhawunti yokulondoloza (ngokuvumela ukuba ibhanki ibolekise okanye ityala imali).
Ukutshintshiselana, uya kulindela ukufumana inzala. Ukuba awuyi kuzuza nantoni na, unokuzama ukuchitha imali endaweni yoko, kuba kunenzuzo encinane yokulinda (ngaphandle kokulondoloza iindleko zexesha elizayo).
Uhlawula phi okanye ufumana inzala? Kuxhomekeke kwi:
- Inzala yomyinge
- Isixa semboleko
- Kuthatha ixesha elingakanani ukubuyisela
Inani eliphakamileyo okanye umvuzo-mboleko wexesha elide kumboleki ohlawula ngaphezulu.
Umzekelo: Isantya somyinge we-5 ekhulwini ngonyaka kunye nemali eyi-$ 100 yeziphumo kwimali yentlawulo ye-$ 5 ngonyaka ukucinga ukuba usebenzisa inzala elula . Ukubona ukubalwa, sebenzisa i-spreadsheet ye-Google ispredishithi kunye nalo mzekelo. Sitshintshe le miba emithathu echazwe ngasentla ukuze ubone indlela iindleko zomdla ezitshintsha ngayo.
Uninzi lweebhanki kunye nabanikezeli bamakhadi abemboleko bekhredithi abasebenzisi umdla olula Endaweni yoko, inzala iyanomdla, kubangele inzala eninzi ekhula ngokukhawuleza (jonga ngezantsi).
Ukufumana umdla
Ufumana inzala xa uboleka imali okanye ubeka imali kwi-akhawunti ebhankini ethwele inzala njenge -akhawunti yokulondoloza okanye isitifiketi se-deposit (CD) . Amabhanki akwenza imali kuwe: Basebenzisa imali yakho ukunikezela ngemali mboleko kwabanye abathengi kwaye benze ezinye iimali-mali, kwaye badlulisela inxalenye yale ntlawulo kuwe ngenjongo yomdla.
Ngexesha, ( nganye inyanga okanye kwikota, umzekelo) ibhanki ihlawula inzala kwimali yakho yokugcina. Uza kubona ukuthengwa kwentlawulo yenzalo, kwaye uya kuphawula ukuba ibhalansi yakho yekhawunti iyanda. Unokuchitha loo mali okanye uyigcine kwi-akhawunti ukuze iqhubeke ifumana inzala. Ukulondolozwa kwakho kunokwakha ngokukhawuleza xa ushiya inzala yakho kwi-akhawunti yakho - uza kufumana inzala kwidiphozithi yakho yasekuqaleni kunye nenzala eyongeziweyo kwi-akhawunti yakho .
Ukufumana inzala ngaphezulu kwenzalo oyifumene ngaphambili eyaziwa ngokuba yinzala .
Umzekelo: Ubeka i-$ 1,000 kwi-akhawunti yokulondoloza ehlawula ixabiso lentengo ye-5. Ngomdla olula, uza kufumana i-$ 50 ngaphaya komnyaka owodwa. Ukubala:
- Yandisa i-$ 1,000 ekulondolozeni ngamanqaku amahlanu ekhulwini.
- $ 1,000 x .05 = $ 50 kwimbuyekezo (jonga indlela yokuguqula ipesenti kunye neziqu ).
- Ibhalansi yeAkhawunti emva konyaka omnye = $ 1,050.
Nangona kunjalo, iibhanki ezininzi zibala inzala yakho inzuzo yonke imihla - kungekhona nje emva konyaka omnye. Oku kusebenza ngenxa yakho ngenxa yokuba uyisebenzisa ngokuxhamla. Ukucinga ukuba iibhanki zakho zibandakanya inzala yemihla ngemihla:
- Ibhalansi yakho ye-akhawunti iya kuba yi-$ 1,051.16 emva komnyaka omnye.
- Ukuveliswa kwepesenti yakho yonyaka (APY) kuya kuba ngu-5.12 ekhulwini.
- Uza kufumana i $ 51.16 ngemali ngonyaka.
Ukwahluka kunokubonakala kubancinci, kodwa sithetha kuphela nge $ 1000 yokuqala (okokuqala kukuqala, kodwa kuya kuthatha imali eninzi ukufikelela kwiinjongo ezininzi zezemali).
Ngama-$ 1,000, uza kufumana enye into. Ngethuba lexesha (kwaye njengoko ubeka ngaphezulu), inkqubo iya kuqhubeka nekhephu kwiimali ezinkulu nakakhulu. Ukuba ushiya i-akhawunti yedwa, uza kufumana i-$ 53.78 ngonyaka olandelayo (xa uthelekiswa no-51.16 ngonyaka wokuqala).
Jonga ispredishithi seSpredishithi zeGoogle kulo mzekelo. Yenza ikopi yespredishithi kwaye wenze utshintsho ukuze ufunde kabanzi malunga nomdla wekhampani.
Inzala
Xa uboleka imali, kufuneka uhlawule umdla. Kodwa oko kusenokuba kuyabonakala - akusoloko kukho umthengi-ntengiso okanye ibhajethi ehlukeneyo yeendleko zenzalo.
Inkokhelo yefakelo: Ngokubolekwa ngemali efana nekhaya eliqhelekileyo, i-auto, kunye neengxowa-mali zabafundi, iindleko zenzalo zibhaka kwintlawulo yakho yenyanga . Ngenyanga nganye, inxalenye yentlawulo yakho iya ekunciphiseni ityala lakho, kodwa enye inxalenye yindleko yakho yenzalo. Ngaloo mboleko, uhlawula ityala lakho ngexesha elithile (iminyaka eyi-15 yemali mboleko okanye umbolekiso wemali yeminyaka emi-5, umzekelo). Ukuqonda ukuba le mboleko isebenza njani, funda malunga nokuhlawulwa kwemali mboleko .
Inkokhelo evuselelayo: Ezinye iimali-mboleko ziyimali-mboleko eguqukayo, oku kuthetha ukuba unokuboleka enye inyanga emva kwenyanga kwaye wenze iintlawulo zesikhashana kwi-matyala. Ngokomzekelo, amakhadi ekweretyana anokuvumela ukuba uchithe ngokuphindaphindiweyo xa uhlala phantsi kwe-credit limit limit. Inzala yokubala iyahluka, kodwa akunzima kakhulu ukufumanisa indlela inzala ityala ngayo kunye neentlawulo zakho zokusebenza .
Iindleko ezongeziweyo: Iingxowa zivame ukucatshulwa ngezinga lepesenti ngonyaka (APR). Le nani inokuxelela ukuba uhlawula phi unyaka kwaye ungabandakanya iindleko ezongezelelweyo ngaphezulu nangaphezulu kweendleko zenzalo. Intlawulo yakho yenzalo ecacileyo ngumdla "inqanaba" (kungekhona i-APR). Ngeemali-mboleko, uhlawula iindleko zokuvala okanye iindleko zezemali, ezithengi ngeendleko ezivela kwimali yakho mboleko kunye nenzala yakho.