Inzala yemali yintlawulo yomboleko

Xa umntu engenayo imali eyaneleyo yokufumana enkulu, unyango, uqeqesho, ukhangele ithuba lokuboleka le mali. Ukuze umbolekisi abe nomnqweno wokunika oku okanye loo mali ngokusetyenziswa kwexeshana, ngaphezu kokuzithemba kwi-solvency yabaxhasi bakhe, ufuna iimbuyekezo.

Isizathu esisisiseko

Inzala - le yintlawulo leyo umnini-mali oyimfuneko yokuyisebenzisa. Olu hlobo lwezoqoqosho lubonakala kwimveliso yexabiso ngemveliso yobudlelwane beentengo ezikhulayo. Ubukhulu bomdla yiyona ngongoma yokulingana ephakama phakathi kokunikezelwa kunye neemfuno. Ukuhamba kweemali ezibolekelelwe kukuvela kumntu (okanye intlangano) eyakhupha imali mboleko kumbolekayo. Ukuhlawulwa komdla kukunye. Ngaloo ndlela umjikelo wexabiso ugqityiwe.

Indlela yokubala

Ngoko, inzala yomboleko inqaku lokulingana phakathi kokunikezelwa kwemali kunye nemfuno yabo. Isilinganiso sawo sibalwa ngokusebenzisa le fomyula elandelayo:

I-Stavka = GD / S * 100%, apho iStvka inzala yenzalo, i-GD iyinzuzo yonyaka yomnini-mali (umboleki), S ingumniniso wentengo ehlawulwayo.

Inzala yomboleko yinto umboleki obeka ngayo ingqalelo okokuqala xa ebhalisa imali mboleko. Kukho amaxabiso okwenene kunye namanani. Eyokuqala kubo iqwalasela utshintsho kumgangatho wokunyuka kwamaxabiso. Okwesibini ayikho, kuba ibonakalisa umlinganiselo okhoyo phakathi kwexabiso elibuyiselwe ngumboleki kunye nemali yemali efunyenweyo. Le yimali ehlawulwa kwiyunithi yemboleko kwithuba elithile. Kubalulekile ukuba uqaphele ukuba izinga langempela liyisiseko sokwenza izigqibo malunga notyalo-mali.

Yintoni echaphazela inani lokubheja?

Inzala yenzalo (uqoqosho), kuxhomekeka kwizinto eziliqela:

- Ukusuka kwimingcipheko eyahlukeneyo. Esi sibonakaliso sesimo semarike. Zikuphelelweni kwezivumelwano nabathengisi, kwimveliso yemveliso emitsha njalo njalo. Umngcipheko womboleki ngumngcipheko wokungahlawulwanga kwemali. Okuphakamileyo kukuba, enkulu ipesenteji.

- Ukongezelela, inzala mboleko yintengo exhomekeke kwikota le mboleko. Ukuba lincinci, umbolekisi unamathuba amaninzi angaphoswanga ukuba asebenzise imali ayinikezela ukusetyenziswa kwexeshana. Kule meko, ipesenti iya kuba sezantsi. Ngethuba lokunyuka, ixabiso layo landa. Oku kwenzekayo kungekhona kuphela ngenxa yamanani amaninzi alahlekileyo, kodwa nangenxa yengozi ephezulu yokungabikho kwemali.

- Inqanaba lomdla-mboleko kuxhomekeke ekufumaneni imboleko. Isibambiso siyipropati okanye amaxabiso anikwa ngumbolekeki ngexesha lokubonga. Ukuba akayi kukhwelisa ityala lakhe, umboleki-mali angayilahla into ekhonjisiweyo. Oku kunciphisa umngcipheko wakhe ngokunciphisa ipesenteji.

- Ukususela kubukhulu bemboleko. Umyinge womyinge omkhulu kumboleko omncinci. Iindleko zolawulo azixhomekeke kubukhulu bemboleko. Ngoko ke, ngomboleko omncinci, izinga liya kuba phezulu.

- Ukususela kwerhafu yengeniso (inzala). Ezinye iimboleko zihlawulwa. Ubukhulu beerhafu zabo zibandakanyiwe mboleko.

- Kusuka kumncintiswano. Ngamazinga ayo okukhula aphantsi, ngoku kukodwa oku kubonakala ngokukonyuka kwinani leebhanki.

Ingagqitywa ukuba izinga le-interest interest rate (value) lixabiso liye lahluka ngexesha kwaye kuxhomekeka kwiimeko ezahlukeneyo.