Ziziphi iintlawulo zemali xa uhlawula imali mboleko?

Ngokuphathelele ekuthandweni kwemali-mboleko, sonke thina, abemi abaqhelekileyo abangenanto enxulumene neebhanki, baye baba njengeengcali ezintle ekujonganeni neentlobo kunye nemeko yemboleko.

Amabhanki anikezela ngamanani ahlukeneyo anomdla kunye nemigangatho, kunye neemeko ezahlukahlukeneyo: kunye okanye ngaphandle kokuhlawula, kunye okanye ngaphandle kokubambiswa kwepropati - sonke siyaziqhelanisa ngokucophelela, senze ukhetho ngokuphathelele omnye okanye omnye umkhiqizo webhanki. Kodwa kukho enye inqaku elincinci abantu abayithobelayo - ezi ziintlobo zeentlawulo xa uhlawula ityala. Inani lemali yentlawulo yenyanga lixhomekeke kule parameter, eyona nto ibalulekileyo, kuba kuya kufuneka inqunywe kwiholo lethu ngexesha lokusebenzisana nebhanki.

Kufanelekile ukwazi ukuba kukho ukhetho: i-annuity okanye iintlawulo ezahlukeneyo. Kodwa ngaba bahlala benikwa ilungelo lokukhetha? Akunjalo rhoqo, kuba ibhanki inenzuzo ngakumbi kunezo ntlawulo, phantsi koko umbolekayo unyanzelekile ukuba ahlawule ngaphezulu, oko kukuthi, iintlawulo zemali. Siyavuma, ngokungathandabuzeki, ngenxa yokuba kaninzi asiqondi ukuba ziphi iintlawulo zemali. Ukuba ngokweemeko zemboleko ezinikezelwa yibhanki kuboniswe ukuba kukho ithuba lokukhetha uhlobo lwenkokhelo, ngoko ayiyi kuba yinto engafanelekanga ukusebenzisa leli thuba kwaye ucinge ngento enenenzuzo ngakumbi kwaye ilula ngakumbi.

Iintlawulo ze-Annuity ziyiyo apho imali yakho yokubolekisa ngemali mboleko iya kuba yinto efanayo xa ukhula. Ngeentlawulo ezahlukileyo, inani liya kuncitshiswa ngenyanga.

Makhe sibone ukuba yeyiphi iintlawulo zentlawulo, kwaye kutheni iibhanki zihlala zizinikela? Njengawo nawuphi na uhlobo lokuhlawulwa kwemboleko, le nto iqulethwe ngamacandelo amabini: ityala eliyinhloko kunye nenzala efunyenwe kwimali yayo kwimali echazwe ngokwemvumelwano yesivumelwano somboleko. Ngoko, ngokubunjwa kweentlawulo zakho zokuqala, isixa sematyala sinxalenye encinci yesamba esiyintloko, kamva sanda. Oku kuphakamisa ukuba inani lematyala liyancipha kakhulu, lincinci, kwaye inzala ityala. Ngenxa yoko, kwenzeka njalo ukuba umntu obolekayo, engazi ukuba yeyiphi iintlawulo zentlawulo, kwaye enqwenela ukubuyisela imali mboleko phambi kweshedyuli , ngokuzenzekelayo uzifumanisa ukuba ezinyangeni eziliqela, kunye neminyaka, unikeza ibhanki imali epheleleyo ngenyanga, kwaye inani lemali liye lahla . Kuyabonakala ukuba oku kunenzuzo ebhankini kwaye ayizuzisi kumbolekayo yonke into - uhlawula umdla ngokungathi kusengaphambili, kwaye ukuba unquma ukubuyisela imali mboleko phambi kweshedyuli, uzama ukugcina, awuyi kufumana nantoni na - inzala-mboleko yokusebenzisa umboleko sele ikhokhwe.

Iintlawulo zemali ezininzi ngokuzinza kwazo. Ngosizo lwabo kulula ukucwangcisa uhlahlo lwabiwo-mali, ukwazi kakuhle ukuba yimalini yemali oyakufuneka uyihlawule ngenyanga. Yiyiphi iintlawulo zentlawulo.

Njengoko kucacile kulo mbandela, iintlawulo ezahlukileyo zilula kakhulu ukuzibala, kodwa zonyusa kakhulu. Kuzo, inxalenye yetyala eliyinhloko lihanjiswa ngokukhawuleza kwixesha elipheleleyo le mboleko, kwaye inzala efunyenwe kwinqanaba liyancishiswa ngenyanga ngenxa yokuhla kwetyala. Iintlawulo zokuqala zingaba ngumthwalo omkhulu kuhlahlo lwabiwo-mali, kodwa kwixesha elizayo imali iya kuyancipha kwaye ikuvumele ukuba ubuyisele imali mboleko ngaphambi kwexesha.