Njengenkunzi wenzala njengoko ndlela kangangoko ukuqokelela imali

Kwihlabathi lanamhlanje, abantu ngakumbi xa oqhagamshelwano namaziko ezemali afana neebhanki. Ngamanye amaxesha kuziwa yomboleki yeentengo zemboleko okanye ukuhlawula iinkonzo zoluntu, kodwa ngakumbi ngumnqweno ukuvula igama zabo idiphozithi. Ukuza kuthi ga ngoku, imali ebhankini yenye yeendlela ezininzi idumile ukugcina nokuqinisekisa uzinzo ukwanda kwemali phakathi kwabantu. Ngapha koko, ayikwazi kufihlwa, ukuba sonke eziqhutywa amandla nothando imali kunye nokwandisa inani labo kwiwalethi yethu. Esi sizathu siphambili uthando kwabemi iimveliso imali.

Ejongene okokuqala kunye kuluhlu "elide" of needipozithi zebhanki inokuba Edidekile yaye kwakuzo, ukuba ngokwenene engcono. Kodwa ngokuhamba kwexesha, uqala ukuqonda intsingiselo 'capitalisation of interest "ngamabinzana ezintle, kwaye yeyona ndlela ifanelekileyo ukufumana isixa kakhulu imali. Makhe sihlolisise lo mbono.

Capitalisation of interest - onomdla engazibaleli mali sedipozithi kunye periodicity ethile kuboniswe kule mvumelwano, kangangokuba imali yedipozithi ekupheleni kwekota kakhulu 'ikhula. " Ngamafutshane nje - ukuba ke inzala kwipesenti ukuba icandelo mali lubizwa ngokuba "compound interest."

Ekuqaleni, kubonakala ukuba negalelo capitalisation umdla kuzisa ingeniso engakumbi. Enyanisweni, lo sigqibo zexeshana, ngenxa yokuba ngokuqhelekileyo isebenza kuphela kwimeko iirhafu ngokulinganayo yonyaka inzala. Kakade ke, zophuculo ngenyanga umdla ikuvumela ukuba ufumane ingeniso eliphezulu xa kuthelekiswa nezinye iintlobo kwenzala dipozithi efanayo, kodwa ngaphandle yophuculo kwaye wonge imali ngokuncama lokubalwa nenzala efunyenweyo. Kwaye kulungile kakhulu ngumsebenzisi, yaye ke ngoko kangaka.

iminikelo Capital ngoku linika zonke iibhanki, ngaphandle kokukhetha, kuba olu khetho ithandwa kakhulu phakathi kwabantu. Ngokutsho manani, zosixhenxe ezilishumi iimveliso idiphozithi - ukuya capitalisation, kuphela umahluko phakathi kwabo - nezihlandlo ukubala. capitalisation Okuninzi ethandwayo ngenyanga umdla, ngokunjalo ngekota. Iinkampani capitalisation akukho ngaphantsi banomdla ngaphezu kwabantu. Ngapha koko, ukuba kukho imali simahla kwegazi, kutheni imali ebhankini uze ukufumana isixa esithile semali lowo kwi "kuqoqosho" aya kuza lokuposa.

Ekuqaleni, zonke iingenelo iimveliso kwedipozithi kubacacele, ingakumbi imveliso kwi elifanayo zotyalo-mali kunye nezinga. Kodwa musa ukulibala ukuba izinto eziluncedo nezingeloncedo bobabini, kumiselwa kuthelekiswa analogue. Amaxesha amaninzi, idipozithi kunye umyinge capitalisation umdla lingaphantsi kwe ukuba kwezinye iimeko, asibeke endaweni namalungelo afanayo olunye uhlobo lotyalo-mali. Oko kukuthi, kwiimeko zombini ungakhetha kwenzala ukwenzela ukuba "ukusebenza" yedipozithi kunye capitalisation nangaphandle, uya kuba njalo.

Capitalisation of interest uza kunika umthengi ingeniso eliphezulu, ukuba ukhethe phakathi iminikelo ngezinga elifanayo. Kuphela kule meko iya kuzisa iinzuzo engagungqiyo ngomyinge 0.5-0.8% ngonyaka ngamnye. Oko kukuthi, iidipozithi ixesha elide ukwandisa ukugqithisela compound umdla.

Ngokukhetha imveliso idipozithi kufuneka wasondela ngobulumko, ingakumbi ukuba semali ephucukileyo. Yinto enye into ukufumana ekhulwini ngaphantsi okuba $ 10, kodwa akulula ukuba 1000. Le umahluko omkhulu, yaye akafuni ukuphulukana. Ngoko ke khumbula, eminye imithetho elula esisiseko ekufuneka kukhokelwa ngokukhetha uhlobo dipozithi.

Capitalisation of interest iya kusebenza ikhulu ekhulwini, ukuba isantya engqinelana kunye nezinye iimveliso, ngaphandle compound inzala. Ngoko ke, ukufunda iimveliso, ahlawule ingqalelo ixabiso elililo ipesenti, kunye ukwenziwa nkulu. Kwaye musa ukulibala malunga ixesha yedipozithi kunye nezihlandlo umdla, ngenxa yezi zinto, ingeniso lokugqibela kuxhomekeke kungekhona ubuncinane ubhejo.

Kwaye enye into, elibi engundoqo iidipozithi kunye compound umdla nokungabikho ithuba lokuyeka kwexesha. Loo nto ufuna ngaphambi ixesha lokuba abuyele imali yakho, bonke pesenti eziguqulelwe ngomlinganiselo idiphozithi "kwimfuno". Kwaye oku enyanisweni idenariyo!

Ukhankanye ukuba ibhanki okokuqala ukufumanisa imali kangangoko, ungacela abasebenzi ukubala eziyimveliso ozithandayo kakhulu iinketho iminikelo. Ngokubanzi, kufuneka le ukhetho sikhokelwa iinjongo zabo, oko kukuthi, ukuba kukho injongo ukuqokelela imali - inzala capitalisation lungena you ngokupheleleyo!