I-capitalisation yedipozithi - oko kunika mali?

Xa ufunda le uluhlu lweemveliso imali eyenziwa ziibhanki, ibinzana oqhelekileyo "capitalisation kuloo dipozithi yakho." Yintoni na, yaye yintoni iingenelo sisithembiso abagcinisa, kufuneka wazi wonke ngubani na oza kungena kwimvumelwano mnikelo ebhankini.

Inkqubo zokwabiwa ingeniso umdla ekunokuthi kusekelwe phezu yokubala elula okanye ezintsonkothileyo. Simple inzala ibalwa phinda isixa sedipozithi ngomlinganiselo ukubuya. Balani le nombolo 100, uyakwazi ukubona ingeniso, nto leyo eveliswa yi idipozithi elula.

umdla ephindeneyo ibalwa ngokwahlukileyo. nenzala yayo kangangexesha elithile plus kwi idipozithi engundoqo kunye ubunkene isekelwe phezu kwenani le dipozithi. Ngoko ke, izitena ngu ngezitena imali "sikhule." Le nkqubo ukubiza inzala kwimali "isixa kunye nenzala" lo capitalisation yedipozithi. Ukuba amenzele-mali - okwekat 'emhlophe ehlungwini. Zenzele imali kuthelekiswa imali elula kunokuba kubaluleka kakhulu, kuxhomekeke indlela namatyeli zophuculo.

Ukuba sibe nomdla luya kuqhubeka ngaxeshanye, ekupheleni kwesivumelwano ehlawulwa ngaphambili, ngoko kuya kuba ngaphantsi wowulungela-mali ngaphezu ingeniso umdla yenyanga. Ukusebenzisa i iidipozithi calculator online kunye capitalisation, nto leyo elakhelwe inkonzo phantse nayiphi na ibhanki, ungabona ipatheni: i ezincinci ixesha inzala, kungona eziphumo zokuphela konyaka. Eyona ndlela ilungileyo inokuba ukuqwalasela capitalisation of interest kanye ngenyanga.

Ukuhlalutya iimeko parameters igalelo ezahlukeneyo, unako ukubona ipateni zilandelayo: iidipozithi kunye eyinkunzi ngenxa ukuba ireyithi asezantsi ukubuya. amaziko abolekisa baye kwi iqhinga kancinane - bangathanda ukuba achaze indlela kuyingenelo ubukhulu iminikelo. Ukuba oku kubangelwa ukuhla kwenzala nge pesenti 0.5-1 amanqaku, bathi cwaka.

Omnye umba angabaluleka ukuba ngumnikeli. Indibaniselwano kakhulu iimeko kunye parameters sedipozithi - sishiya kunye nezinto gcwalisa. Kuyinto ukuxhomekeka sicacisa: kokuba ikhono ukwandisa isixa-mali, ukuze kwandiswe ukusebenza umtyali inzala elinelweyo kuye. Ngoko ke, unokuqiniseka ukuba kumgangatho ophezulu yengeniso idiphozithi enjalo. Hayi indima lokugqibela, Kakade ke, udlala izibonelelo imali elide ebhankini kwi umdla.

Ngenxa yoko, emva kokuqwalasela umbuzo okusinceda ngayo igalelo capitalisation, oko bekuya kuzisa inzuzo ngokucacileyo kunjalo ukuba zaphulaphula loo lokukhetha uhlobo dipozithi. Eyona ndlela ilungileyo le mali kuba ukubala ngqo tivi ukuhlawulwa, eya kuba nako ukwenza umsebenzi yibhanki umxhasi zobuqu kwiziko lamatyala. Emva koko, ngokususela kumanani ethile ungenza ukhetho lokugqibela. Ukuyifundisisa kakuhle yonke imiqathango yesivumelwano, ukuchaneka nokufika ngexesha xa kubalwa inzala - isiqinisekiso sokuba umtyali-mali kuya kukunceda.