Chii chinonzi kufarira?

Mbereko imari yekushandisa mari yemumwe munhu. Paunokwereta mari, unobhadhara mubereko. Paunokweretesa mari, unowana mhindu. Mubereko ndiwo mutengo wekukwereta mari uye purofiti inowanikwa kune vanoisa mari mukati Kuchengeta account.

Yakaverengerwa sechikamu chechikwereti chechikwereti kana dhipoziti chiyero, mubereko unobhadharwa kune mukweretesi nemukwereti kana paine chikwereti kana nesangano rezvemari kudhipoziti kana iri savings account.

Pano, iwe uchadzidza zvakawanda pamusoro pechibereko, kusanganisira kuti chii uye kuti ungaverenga sei mari yaunowana kana chikwereti zvichienderana nekuti uri kukweretesa kana kukwereta mari. Asi usati watanga, heino premium yekudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

???? Tsanangudzo yekufarira

Mbereko inoreva pfungwa mbiri dzine hukama asi dzakanyatsosiyana: ingava mari inobhadharwa nemukwereti kubhangi pamutengo wechikwereti, kana mari inotambirwa neaneakaundi nokuda kwekusiya mari kumashure.

Inoverengwa sechikamu chemari yechikwereti (kana dhipoziti), nguva nenguva inobhadharwa kune mukweretesi kuti awane rombo rekushandisa mari yake. Mari yacho inowanzotaurwa seyero yegore, asi mhindu inogona kuverengerwa kwenguva yakareba kana pfupi kupfuura gore rimwe.

Nyaya yekuverenga: Zvese zvaunoda kuti uzive nezve mari yemusika account

Muchokwadi, mubereko imari yakawedzerwa inofanirwa kubhadharwa pamusoro pechikwereti chepakutanga kana dhipoziti chiyero. Kuti uzviise neimwe nzira, funga mubvunzo uyu: chii chinotora kukwereta mari? Mhinduro: mari yakawanda.

???? Mbereko inoshanda sei?

Kune mhando mbiri dzechido chekufarira: yakareruka kufarira uye yakabatana.

nyore kufarira

Mbereko yakapfava, kana kuti flat rate interest, inoverengerwa sechikamu chemari yedhipoziti kana chikwereti. Hazvinei kuti mukwereti anoenda kwenguva yakareba sei asina kubhadhara chikwereti kana kuti ane akaundi achichengeta mari mubhangi, mubereko uchagara uchiverengwa kubva pamari yokutanga.

Pakukwereta: kana wakwereta mari, uchafanira kudzorera chaunokwereta. Zvakare, kutsiva mukweretesi nezvenjodzi yekukukweretesa, unofanirwa kubhadhara kupfuura iwe wakwereta.

Tora muenzaniso uyu. Ngatitii wakwereta $1000 kubhangi. Kana chikwereti chako chikaburitsa mubereko wepagore wegumi muzana kubhangi, unozodzorera madhora zana pamwe negumi muzana mubereko ($10). Saka $1000 ndiyo mari yauchafanirwa kudzosera mushure megore rimwe.

Cherechedza: Mari yese yemubereko inogona kunge yakakwira kana kuderera kana ukakwereta mari kwenguva yakareba kana pfupi.

Paunokwereta: Kana uine mari yakawedzerwa iripo, unogona kuzvikweretesa iwe pachako kana kuisa mari yacho muakaunti yekuchengetedza, uchibvumira bhangi kuti rikweretese kana kuisa mari yacho. Mukudzoka, unotarisira kuwana mhindu. Kana iwe usingahwine chero chinhu, ungaedzwa kushandisa mari panzvimbo, sezvo pane betsero shoma mukumirira.

Semuenzaniso, kana ukaisa $1 muakaundi yekuchengetedza inobhadhara 000% mubereko pagore, iwe uchawana $2 mubereko, izvo zvinokupa $20 mushure megore rimwe.

Zvekare, mubereko waunowana unogona kunge wakakwira kana kuderera kana mubereko wachinja. Pakazara, zvaunowana kana kubhadhara zvinoenderana ne:

• Chibereko
• Huwandu hwechikwereti
• Zvinotora nguva yakareba sei kubhadhara

Compound Interest

Nechimbadzo chakakoniwa, mhindu yakawedzerwa inowedzerwa pasara huru. Funga nezvayo sechimbadzo pamubereko. Formula yekuverenga mubereko wakasanganiswa ndeiyi: A = P(1+r/n)^(nt), apo A kukosha kweramangwana rechikwereti kana mari, kusanganisira mubereko; P ndiyo yakakosha mari yekudyara; r mubereko wegore negore (decimal); n ndiyo nhamba yenguva dzemhindu inosanganiswa gore rega rega; Uye t ndiyo nguva yechikwereti. Sezviri pachena, Albert Einstein zvinosetsa zvinodaidzwa kuti compound interest simba rine simba guru pane zvose zviri muchadenga.

Tora muenzaniso uyu

Iwe une $5 muakaundi yako yekuchengetedza iyo inowana mubereko wepagore we000%. Yakasanganiswa pamwedzi, kukosha kwekudyara uku mushure memakore gumi kunogona kuverengerwa sezvinotevera: P = 5, r = 10, n = 5, t = 000. Tine A = 0,05 (12 + 10 / 5) ^ (000 (1) )). Mari yeakaundi mushure memakore gumi ingangoita $0,05.

???? Zvinhu zviri kupesvedzera mubereko wemusika

Kufanana nezvinhu nemasevhisi, mubereko unoenderana nemutemo wekupa uye kudiwa. Mune mamwe mazwi, inosimbiswa nemusika. Saka, kuderera kwemhindu iyi, ndiko kuwedzera kudiwa kwezviwanikwa zvemari.

Sezvineiwo, iyo yakakwirira, inodzikira kudiwa kwezviwanikwa zvemari izvi. Zvisinei, kana iri nyaya yekupa, hukama nemhindu yakananga nokuti iyo yakakwirira, hukuru hukuru hwekukweretesa mari, uye kuderedza mubereko, iwe unoda kukweretesa mari shoma.

Kuwana poindi yekuenzana nekubatana kwezviviri izvi kunosimbisa kukosha kwechibereko. Kunyange zvazvo misika isiri iyo chete inoratidza kukosha kwayo, kune zvimwe zvakakosha zvakasiyana-siyana zvakare. Izvi zvakasiyana-siyana ndezvi:

• Mubereko chaiwo wechikwereti cheruzhinji.
• Inflation inotarisirwa.
• Iyo liquidity premium.
• Mubereko njodzi yekukura kwega kwega.
• Mubhadharo wengozi yeanopa chikwereti.

Zvakare, bhanga repakati renyika rinoisa mubereko unobata zvese zvataurwa pamusoro apa. Kudzora kwayo kunoibvumira kushandisa ekuwedzera kana kudzora marongero ehupfumi nekudzikisa kana kuwedzera.

Mhando dzezvido

Heano mamwe maitiro emitengo yemhindu iyo munhu angave nayo:

• Mubereko wemubereko: mutengo unobhadhariswa nemunhu kana kiredhiti institution pamari yavanokweretesa
• Le Fixed interest rate. Inoshandiswa panguva yekubhadhara chikwereti, kukosha kwayo kunogadziriswa panguva yekupera kwechikwereti.
• Inoyangarara mubereko. Ndiyo inobhadharwa panguva yechikwereti uye inosiyana zvichienderana nereferensi yemubereko
• le Chibereko chemari pamadhipoziti. Mutengo uyo kambani yechikwereti inofanirwa kubhadhara pamari yainogamuchira sechikwereti kana dhipoziti
• Mubereko kana ukarambwa: mubereko wakaiswa pamari yakafanira

???? Ndedzipi mhando dzemibairo?

Mari yemhindu inoshandiswa nenzira dzakasiyana, kwenguva dzakasiyana. Saka zvakakosha kuti uzive kuti rudzii rwemari yauri kubhadhariswa. Zvakare kana mubereko uchizobhadharwa pakutanga kana pakupera kwechikwereti. Mari dzemhindu dzinonyanya kushandiswa imari yemubereko yezita uye mubereko wepagore unoshanda kana zvakaenzana.

Nominal interest rate

Chiyero ichi chimbadzo chiri nyore. Inopindirana neperesenti iyo ichawedzerwa kune yekutanga capital semuripo kune imwe nguva yenguva, iyo haifanirwe kunge iri gore rimwe.

Mubereko wezita we10% wakabatanidzwa semi-pagore zvinoreva kuti mwedzi mitanhatu yega yega mhindu inobhadharwa pa5%. Kana iyo mhindu yezita iri 12% uye ichiwedzerwa mwedzi miviri yega yega, izvi zvinoreva kuti mwedzi miviri yega yega mhindu inogadziriswa pa2%.

Mubairo wezita wakakwira nenhamba nenguva yechikwereti: 12% pagore, iyo yakaenzana ne6% semi-pagore, kana 2% mwedzi miviri yega yega, kana 1% pamwedzi.

Kazhinji, mabhanga anotiudza iyo yezita yemubereko yepamwedzi painotipa zvikwereti. Vanoita izvi vaine chinangwa chatinofunga kuti vanotibhadharisa mari shoma pachikwereti chavanotipa.

Chibereko chegore negore chinoshanda

Inonziwo yakaenzana mubereko wepagore, mubereko wakasanganiswa. Inosanganisira mubereko wezita, mubhadharo webhangi uye mubhadharo, pamwe chete nenguva yekushanda.

Mari iyi inoenderana nemuripo wakazara unotambirwa nesangano rezvemari nekuti watikweretesa mari. Kufanana nemubereko wezita, mubereko wepagore unoshanda unoenderana nenguva iyo mhindu inobhadharwa. Tarisa chinyorwa ichi kuti uzive nzira yekudzikisa mari yako yebhangi.

Izvo zvakakosha kuti ubvunze yako yezvemari kana paine zvirango zvekubhadhara kare kana ukafunga kuita mari yekubhadhara kuti uderedze chimbadzo chinokonzerwa nechikwereti.

Zvaunoda kuchengeta mupfungwa ndezvokuti tsika yekufarira inongoitwa mu classical financial system. In iyo Islamic financial systeme, tsika iyi inorambidzwa uye inonzi riba. Asi ribha iHaramu. nemari yeIslam, unogona kubatsirwa nezvikwereti zvisina mubereko.

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge.