Inzala mboleko: ukuba imali ngayo ayikho ngokwalo?

Abantu abaninzi bayoyika ukuthatha ngetyala ngenxa amazinga aphakamileyo umdla. Nakuba kunjalo, kufanele kuqatshelwe ukuba ngaphandle ulwazi lestokhwe kule ndawo, nkqu mboleko esezantsi-umdla kunokukhokelela kwiilahleko ezinzulu.

Okokuqala, makhe sijonge ngexesha elinye, oko ke umdla accrual. It isigqibo sokwabela ezimbini ezingundoqo: a umgangatho (classical) kunye annuity. Zombini ziquka umzimba mboleko kunye umdla ngokwabo.

Xa scheme ibhanile nenzala efumanekileyo intsalela usoloko kwi-mboleko. Enyanisweni, ngexesha elifanayo sinciphile kwaye inzala-mboleko, nomzimba wakhe.

Njengoko lodweliso ngonyaka, mncinane inzima ngakumbi kunesiqhelo. Kulo mzekelo, umboleki uhlawula imali ngenyanga flat. Kodwa, inyaniso kukuba kwixesha lokuqala isiqingatha uninzi yale mali sinxulumene umdla, yaye ekugqibeleni - umzimba-mboleko.

Yeyiphi kwezi zicwangciso kukulungele? Makhe siqwalasele nabo practice. Kwaye ke bemfuno yokuqala, kubalulekile ukunikela ingqalelo lowo amathuba kwemali ekuqaleni. Umzekelo, kule nyanga kufuneka uhlawule $ 800 ($ 500 - umzimba, yaye $ 300 - inzala ngemali-mboleko). Xa kuziwa kwi inkqubo eqhelekileyo, ngoko, ukwenza i akhawunti ayikho $ 800, yaye $ 900 ngenyanga ezayo uza kuhlawula $ 100 ngaphantsi. Ndinawo umnqweno namandla, unako ngaphambili kakhulu ukuba ukuyibuyisa le mali uyibolekiweyo.

Ukuba ukhetha njalo ngonyaka, i akunakho ukuyibuyisa le ngaphambi amboleke shedyuli ikwafumaneka nayo ngoku. Noko ke, oko kuya kukunceda balahle ngemfuneko ahlawule inzala. Ngapha koko, ubuninzi babo ukuba kufuneka uhlawule oko kwiinyanga zokuqala ezimbalwa. Plus, usenokuba neengxaki ezinxulumene yokuba iibhanka akonwabanga ngokukhethekileyo kumbumbi necebo ukuguqulwa.

Ingongoma elilandelayo apho kufuneka sinikele ingqalelo ukufunda umdla kwi-mboleko kunye inzuzo yalo msebenzi. Musa ukubala kwi into yokuba iibhanki ezifundisa amazinga aphezulu phantse musa ukuthatha imali yenkonzo. Amaxesha amaninzi, ubukho thumo ezahlukeneyo baya kwazi emva kokugqitywa mvumelwano. Kakade ke, ukuba phambi kokuba ubhaliso ubuza umbuzo ngqo ngale abasebenzi, wena ufumane impendulo enyanisekileyo. Noko ke, bakholisa ukuba baqwalasele kwizinto eziluncedo yonikezelo nokukhethwa ingqalelo amaphutha ayo. Kuquka evela ikhomishini. Ukusuka lo mbono kukulungele kanye nje ukuhlawula imali enkulu ngexesha elinye-, kunokuba avumele ibhanki iminyaka emininzi ukuba ndaxhwitha nomdla wakho wenkonzo.

Kwakhona, qiniseka ukuba ufunda ngexesha elinye, kuba kufuneka benze elide kangakanani iintlawulo zenyanga. Umzekelo, ukuba ixesha ubabalo ukulungiselela iimeko ibhanki kaThixo iintsuku ezingama-45, oku akusoloko kuthetha ukuba unako ukwenza intlawulo elandelayo zingadlulanga iintsuku ezingama-45 emva kokuba ezidlulileyo. Kusenokwenzeka ukuba wayecinga imfuneko ukwenza intlawulo phambi we-15 nyanga nganye. Ke akuyi into, i-1 st okanye 31 th uthathe imali-mboleko - de-15 kufuneka wenze intlawulo.

Ziqapheleni! Accrual kwenzala kwi mboleko izisa ingeniso ibhanki yakhe. Kungenxa yoko le nto intlawulo yeendleko umdla kuba kwindawo yokuqala. Oko kukuthi, ukuba awunayo imali eyaneleyo ukuze enze intlawulo epheleleyo yenyanga, inzala iya kuhlawulwa-mboleko yokuqala, yaye yonke imali aye ukwehla emzimbeni. Yiloo nto ke, umzimba 'bambelela' ngokwaseburhulumenteni enye, kwaye ibhanki iya kuqhubeka ityala kuye isohlwayo kunye nezohlwayo.

Fundisisa imiqathango yesivumelwano semali-mboleko, kwaye ke uya kukwazi nokuthintela iindleko ezingeyomfuneko nexhala!