Kodi chidwi ndi chiyani?

Chiwongola dzanja ndi mtengo wogwiritsa ntchito ndalama za munthu wina. Mukabwereka ndalama mumalipira chiwongola dzanja. Mukabwereketsa ndalama mumapeza chiwongola dzanja. Chiwongola dzanja ndi mtengo wakubwereka ndalama komanso phindu lomwe amapeza kwa omwe amasungitsa ndalama Kusunga akaunti.

Kuwerengedwa ngati kuchuluka kwa ngongole kapena ndalama zosungitsa, chiwongola dzanja chimaperekedwa kwa wobwereketsa ndi wobwereketsa pakakhala ngongole kapena bungwe lazachuma kwa wosungitsa ndalama pa akaunti yosungira.

Pano, muphunzira zambiri za chiwongoladzanja, kuphatikizapo chomwe chiri komanso momwe mungawerengere kuchuluka kwa ndalama zomwe mumapeza kapena ngongole kutengera ngati mukubwereketsa kapena kubwereka ndalama. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

???? Tanthauzo la chidwi

Chiwongola dzanja chimatanthawuza mfundo ziwiri zogwirizana koma zosiyana kwambiri: kaya ndalama zomwe wobwereka amapereka kubanki pa mtengo wangongole, kapena ndalama zomwe mwini akaunti amalandira ngati akufuna kusiya ndalama.

Imawerengeredwa ngati gawo la ndalama zonse zangongole (kapena kusungitsa), zomwe zimaperekedwa nthawi ndi nthawi kwa wobwereketsa kuti akhale ndi mwayi wogwiritsa ntchito ndalama zake. Ndalamazo zimatchulidwa ngati mtengo wapachaka, koma chiwongoladzanja chikhoza kuwerengedwa kwa nthawi yaitali kapena yochepa kuposa chaka chimodzi.

Nkhani yoti muwerenge: Chilichonse chomwe muyenera kudziwa zokhudza akaunti ya msika wa ndalama

Zoona zake, chiwongola dzanja ndi ndalama zowonjezera zomwe ziyenera kubwezeredwa pamwamba pa ngongole yoyamba kapena ndalama zosungitsa. Kuti tifotokoze mwanjira ina, taganizirani funso ili: zimatengera chiyani kubwereka ndalama? Yankho: ndalama zambiri.

???? Kodi chiwongola dzanja chimagwira ntchito bwanji?

Pali mitundu iwiri ya chidwi: chidwi chosavuta komanso chiwongola dzanja chophatikizana.

chidwi chosavuta

Chiwongola dzanja chosavuta, kapena chiwongola dzanja chokhazikika, chimawerengedwa ngati chiwongola dzanja chachikulu cha depositi kapena ngongole. Ziribe kanthu kuti wobwereka amapita nthawi yaitali bwanji osabweza ngongole kapena mwini akaunti amasunga ndalama kubanki, chiwongoladzanja chidzawerengedwa nthawi zonse kuchokera pamtengo woyambirira.

Pobwereka: ukabwereka ndalama, uyenera kubweza zomwe wabwereka. Komanso, kuti ulipire wobwereketsayo chifukwa cha ngozi yakubwereketsa, uyenera kubweza zambiri kuposa zomwe unabwereka.

Tengani chitsanzo ichi. Tiyerekeze kuti mwabwereka $1000 kubanki. Ngati ngongole yanu ikupanga chiwongola dzanja chapachaka cha 10% kubanki, mudzabweza $1000 kuphatikiza chiwongola dzanja cha 10% ($100). Chifukwa chake $1 ndi ndalama zomwe mudzabwezere pakatha chaka chimodzi.

Zindikirani: Chiwongola dzanja chonse chikhoza kukhala chokwera kapena chocheperapo ngati mutabwereka ndalama kwa nthawi yayitali kapena yochepa.

Mukabwereketsa: Ngati muli ndi ndalama zowonjezera, mukhoza kubwereketsa nokha kapena kuika ndalamazo mu akaunti yosungiramo ndalama, kulola banki kubwereketsa kapena kuyika ndalamazo. Kumbali ina, mukuyembekezera kupeza chiwongola dzanja. Ngati simupambana kalikonse, mungayesedwe kuwononga ndalama m'malo mwake, popeza palibe phindu lodikirira.

Mwachitsanzo, ngati muika $1 mu akaunti yosungira yomwe imapereka chiwongoladzanja cha 000% pachaka, mudzalandira chiwongoladzanja cha $2, chomwe chidzakupatsani $20 pakatha chaka chimodzi.

Apanso, chiwongola dzanja chomwe mumapeza chingakhale chokwera kapena chotsika ngati chiwongola dzanja chikusintha. Pazonse, zomwe mumapeza kapena kulipira zimadalira:

• Chiwongola dzanja
• Kuchuluka kwa ngongole
• Zimatenga nthawi yayitali bwanji kubweza

Chidwi Chophatikiza

Ndi chiwongola dzanja chophatikizika, chiwongola dzanja chopezeka chimawonjezedwa kumalipiro oyambira. Ganizirani ngati chidwi pa chidwi. Njira yowerengera chiwongola dzanja ndi: A = P(1+r/n)^(nt), kumene A ndi mtengo wamtsogolo wa ngongole kapena ndalama, kuphatikiza chiwongola dzanja; P ndiye ndalama zazikulu zogulira; r ndi chiwongola dzanja chapachaka (decimal); n ndi kuchuluka kwa nthawi zomwe chiwongola dzanja chimawonjezeredwa chaka chilichonse; Ndipo t ndi nthawi yangongole. Mwachiwonekere, Albert Einstein moseketsa amatchedwa compative interest mphamvu yamphamvu kwambiri m'chilengedwe chonse.

Tengani chitsanzo ichi

Muli ndi $5 mu akaunti yanu yosungira yomwe imalandira chiwongola dzanja chapachaka cha 000%. Kuphatikizidwa pamwezi, mtengo wa ndalamazi pambuyo pa zaka 5 ukhoza kuwerengedwa motere: P = 10, r = 5, n = 000, t = 0,05. Tili ndi A = 12 (10 + 5 / 000 ) ^ (1 (0,05) )). Zotsalira za akaunti pambuyo pa zaka 12 zitha kukhala $12.

???? Zomwe zimalimbikitsa chiwongola dzanja chamsika

Monga katundu ndi ntchito, chiwongoladzanja chimadalira pa lamulo la kaperekedwe ndi zofuna. Mwanjira ina, imakhazikitsidwa ndi msika. Motero, chiwongoladzanjachi chikatsika, m'pamenenso chiwongoladzanja chikukwera.

Mosiyana ndi zimenezi, kuchulukira kwake, kumachepetsa kufunika kwa ndalama zimenezi. Komabe, pankhani yopereka, mgwirizano ndi chiwongoladzanja umakhala wachindunji chifukwa ukakhala wapamwamba, umakhala wofunitsitsa kubwereketsa ndalama, komanso kutsika kwa chiwongola dzanja, m'pamenenso umafuna kubwereketsa ndalama zochepa.

Kupeza mfundo yofanana ndi mgwirizano wa mitundu iwiriyi kumakhazikitsa mtengo wa chiwongoladzanja. Ngakhale kuti msika si chizindikiro chokha cha mtengo wake, palinso zofunikira zina. Zosintha izi ndi:

• Chiwongola dzanja chenicheni cha ngongole za boma.
• Kukwera kwa mitengo kukuyembekezeka.
• Mtengo wa Liquidity.
• Chiwopsezo cha chiwongola dzanja cha kukhwima kulikonse.
• Malipiro owopsa a ngongole ya woperekayo.

Komanso, banki yayikulu ya dzikolo imayika chiwongola dzanja chomwe chimakhudza zonse zomwe tafotokozazi. Ulamuliro wake umalola kugwiritsa ntchito mfundo zowonjezera kapena zoletsa zachuma pochepetsa kapena kukulitsa.

Mitundu ya zokonda

Nawa mitundu ina ya chiwongola dzanja yomwe munthu angakhale nayo:

• Chiwongola dzanja cha wobwereketsa: mtengo woperekedwa ndi munthu kapena bungwe langongole pandalama zomwe amabwereketsa
• Le Chiwongola dzanja chokhazikika. Amagwiritsidwa ntchito panthawi yobwezera ngongole, mtengo wake umakhazikitsidwa panthawi yomaliza ngongoleyo.
• Chiwongola dzanja choyandama. Ndi yomwe imalipidwa panthawi ya ngongole ndipo imasiyana malinga ndi chiwongoladzanja
• le Chiwongola dzanja pa madipoziti. Mtengo womwe kampani yobwereketsa imayenera kulipira ndalama zomwe imalandira ngati ngongole kapena kusungitsa
• Chiwongola dzanja chikabwezedwa: chiwongoladzanja chogwiritsidwa ntchito pa ndalama zomwe zatsala

???? Kodi chiwongola dzanja chamtundu wanji?

Chiwongola dzanja chimagwiritsidwa ntchito m'njira zosiyanasiyana, kwa nthawi zosiyanasiyana. Chifukwa chake ndikofunikira kuti mudziwe mtundu wanji yomwe mukukulipiritsa. Komanso ngati chiwongoladzanja chidzaperekedwa kumayambiriro kapena kumapeto kwa ngongole. Chiwongola dzanja chomwe chimagwiritsidwa ntchito kwambiri ndi chiwongola dzanja chodziwika bwino komanso chiwongola dzanja chapachaka kapena zofanana.

Chiwongoladzanja mwadzina

Mtengo uwu ndi chiwongola dzanja chosavuta. Zimafanana ndi chiwerengero chomwe chidzawonjezedwe ku likulu loyamba monga malipiro a nthawi inayake, zomwe siziyenera kukhala chaka chimodzi.

Chiwongola dzanja cha 10% chophatikizidwa theka-pachaka chimatanthauza kuti miyezi isanu ndi umodzi iliyonse chiwongoladzanja chimalipidwa pa 5%. Ngati chiwongoladzanja chodziwika ndi 12% ndipo chikuphatikizidwa miyezi iwiri iliyonse, izi zikutanthauza kuti miyezi iwiri iliyonse chiwongoladzanja chidzakhazikitsidwa pa 2%.

Chiwongola dzanja chodziwika bwino chimakhala chokwera kwambiri ndi nthawi ya ngongole: 12% pachaka, zomwe ndi 6% theka-pachaka, kapena 2% miyezi iwiri iliyonse, kapena 1% pamwezi.

Kawirikawiri, mabanki amatiuza chiwongoladzanja cha mwezi uliwonse pamene amatipatsa ngongole. Amachita izi ndi cholinga choti tikuganiza kuti amatilipiritsa ndalama zochepa kwambiri chifukwa cha ngongole yomwe amatipatsa.

Chiwongola dzanja chapachaka chogwira ntchito

Imatchedwanso chiwongola dzanja chofanana pachaka, ndi chiwongola dzanja chophatikizana. Zimaphatikizapo chiwongoladzanja chodziwika, ndalama za banki ndi malipiro, komanso nthawi ya ntchito.

Mtengo umenewu ukufanana ndi chipukuta misozi chonse chimene bungwe lazachuma limalandira chifukwa chotibwereka ndalama. Monga chiwongola dzanja chodziwika bwino, chiwongola dzanja chapachaka chimadalira nthawi yomwe chiwongola dzanjacho chimalipidwa. Onani nkhaniyi kuti mudziwe momwe mungachepetsere ndalama zamabanki anu.

Ndikofunikira kwambiri kuti mufunse bungwe lanu lazachuma ngati pali zilango zolipiriratu ngati mwaganiza zopanga ndalama zazikulu kuti muchepetse chiwongola dzanja chobwera ndi ngongoleyo.

Zomwe muyenera kukumbukira ndikuti mchitidwe wokonda chidwi umangochitika mu dongosolo lazachuma lachikale. Mu dongosolo lazachuma lachisilamue, mchitidwe umenewu ndi woletsedwa ndipo umatengedwa ngati riba. Koma riba ndi Haram. ndi ndalama zachisilamu, mutha kupindula ndi ngongole zopanda chiwongola dzanja.

Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule.