Capitalization chidwi monga momwe kwambiri mulingo woyenera kudziunjikira ndalama

Masiku ano, anthu ayamba anakumana ndi mabungwe a zachuma monga mabanki. Nthawi zina amabwera kwa ogula ngongole kapena kulipira mtchalitchi, koma nthawi zambiri ndi kufuna kutsegula dzina lawo gawo. Pakali pano, banki gawo ndi imodzi mwa njira wotchuka kupulumutsa ndi kuonetsetsa mtendere wa kuwonjezeka kwa ndalama anthu ena. Ndipotu, sangakhale obisika, kuti tonse lotengeka ndi mphamvu ya chikondi cha ndalama ndi kuonjezera chiwerengero chawo mu chikwama athu. Ichi ndi chifukwa chachikulu chikondi cha anthu kwa mankhwala gawo.

Anakumana koyamba ndi "nthawi" mndandanda wa madipoziti banki akhoza pang'ono kusokonezedwa ndi akodwa, kuti alidi bwino. Koma pa nthawi, inu kumvetsa tanthauzo la "capitalization chidwi" mawu okongola, ndipo ndi njira yabwino kuti kuchuluka ndalama zambiri. Tiyeni tione pa lingaliro ili.

Capitalization chidwi - ndi kaŵelengedwe chidwi ndi kuchuluka gawo ndi periodicity ena anasonyeza mu mgwirizano, ndi chifukwa kuti kuchuluka kwa gawo pakutha akuti alinso "kukula." Mwachidule - ndi chidwi pa anthu kuti gawo ndalama amatchedwa "pawiri chidwi."

Koyamba, zikuoneka kuti amathandiza kuti capitalization chidwi amabweretsa ndalama zambiri. Ndipotu mfundo imeneyi ndi ephemeral, chifukwa kawirikawiri kokha ntchito pa nkhani ya mitengo ofanana chidwi pachaka. Kumene, mwezi capitalization chidwi amalola kuti ndalama apamwamba poyerekeza ndi zina mitengo gawo ofanana chidwi, koma popanda capitalization, ndi kusunga ndalama likuvutika aweruze accrued chidwi. Ndipo ndi zabwino kwambiri kuti ogula, choncho kwambiri.

zopereka Capital tsopano akupereka mabanki zonse, popanda yekha, chifukwa njirayi ndi otchuka pakati pa anthu. Malinga ndi kafukufuku, kasanu ndi khumi katundu gawo - kuti capitalization, ndi kusiyana kokha pakati pawo - pafupipafupi mawerengedwe. More otchuka mwezi capitalization chidwi, komanso miyezi itatu iliyonse. capitalization makampani ndi chidwi zosachepera anthu. Ndipotu, ngati pali ufulu ndalama mu makope, bwanji ndalama kubanki kenako wina kuchuluka kwa ndalama zimene zili mu "chuma" adzabwera imathandiza.

Poyamba, ubwino onse mankhwala ngati gawo ngati zoonekeratu, makamaka zokolola pa yofanana ndalama ndi mlingo. Koma musaiwale kuti ubwino ndi kuipa kwa onse, anatsimikiza poyerekeza ndi analogues. Nthawi zambiri, gawo ndi mlingo capitalization chidwi ndi poyerekeza kuti zina, ananena mu ufulu yomweyi monga mtundu wina wa ndalama. Ndiko milandu onse mukhoza kusankha chiwongola dzanja kuti "dzuwa" wa gawo ndi capitalization ndi kunja adzakhala yemweyo.

Capitalization chidwi adzapereka makasitomala ndalama pazipita, ngati inu kusankha pakati pa zopereka pa mlingo chomwecho. Only mu nkhani iyi lidzabweretsa phindu mosapita m'mbali mwa avareji 0.5-0.8% pa chaka. Kuti, madipoziti yaitali kuwonjezera mwayi chidwi pawiri.

Mwa kusankha gawo mankhwala ayenera kulankhula mwanzeru, makamaka ngati kuchuluka kwa ndalama bwino. Ndi chinthu chimodzi kuti peresenti zokayikitsa $ 10, koma pagona ngati ndi 1000. Izi ndi kusiyana kwambiri, ndipo safuna kutaya. Kotero, kumbukirani, malamulo zofunika osavuta kuti ayenera kutsogoleredwa posankha mtundu wa gawo.

Capitalization chidwi ntchito kwathunthu, ngati mlingo zikugwilizana ndi mankhwala ena, popanda chiwongoladzanja pawiri. Choncho, kuphunzira zinthu, kulabadira ubwino Mtheradi wa anthu, ndi capitalization. Ndipo musaiwale za mawu a gawo ndi pafupipafupi chidwi, chifukwa cha zinthu izi, ndalama komaliza kumadalira osati osachepera pa ndalama pa.

Ndipo chinthu chimodzi zambiri, ndi mwayi waukulu madipoziti ndi chidwi pawiri ndi pakalibe n'zotheka kuchotsa oyambirira. Kuti ali ndikufuna pasadakhale kubwerera ndalama yanu, chiwerengero onse omwe anamasuliridwa pa mlingo wa gawo "pa kufunika". Ndipo izi ndi zoona khobidi!

Kutembenukira ku banki kwa nthawi yoyamba kudziwa gawo mulingo woyenera, inu mukhoza kupempha ndodo kuwerengera zokolola za zopereka options ambiri amakonda. Ambiri, zosangalatsa ayenera kutsatira zolinga zawo, ndiye, ngati pali cholinga cha kupeza ndalama - chidwi capitalization Akukukhalani mwangwiro!