Yintoni na ixabiso lemali?

Ixabiso lemali - yinto ingqiqo kwezoqoqosho, isiseko yayo ngoluvo lokuba komkhulu rhoqo ukudala ingeniso ukuya kumnini. Namhlanje, ngoko, ixabiso lemali mkhulu kakhulu kwixesha elizayo akude, ziya kuvavanywa yi-mali efanayo. "Bawo" kolu luvo nga zizakujongwa njengo uLeonardo Fibonacci, abasungula le ingqiqo emva ngo-1202. Nangona kunjalo, i ingcali yenzululwazi, owayehlala kumaXesha Aphakathi, hayi ke ithathele ingqalelo ithuba sokunciphisa eyilwayo phantsi kweempembelelo izinto zangaphandle, njengoko ekuhambeni kwexesha ukuba nokubakho kuphela iingqekembe zikhutshwa amatye anqabileyo kunye iingqekembe zobhedu iintlawulo ezincinane.

Ixesha Ixabiso lemali, yona ingqiqo angundoqo theory wezemali lixhomekeke kwizinto ezimbini eziphambili - lomngcipheko kunye nokunyuka kwamaxabiso. Kwaye ke basesichengeni kakhulu lokuhla imali yephepha, ikhondo nto leyo ebotshelelwe "troy ounce", ngokwahlukileyo ukuya ngetyala lebhanki iinowuthsi ukuba zibe nokutshintshanisa igolide. Ngoko ke, ixabiso ixesha nemali ngalo mzuzu ngumlinganiselo esetyenziswa ngezoqoqosho onke amazwe mihla, olubonwa ingakumbi kuyilo kweenkqubo ngetyala.

Nangona kunjalo, ixabiso lemali ke ibangwa ingcamango yokuba abantu ungathanda ukufumana isixa elithile khona ngoku ngaphezu kwenani elifanayo angu ihlelo kwixesha elizayo esikude. Xa abemi okanye amashishini inegalelo Bank, ngamnye kubo ufuna ukwenza imali nokufumana umvuzo ngokohlobo umdla. Ngoko ke, xa eqhuba imicimbi zemali kuyimfuneko ukuba siqwalasele ixesha into, kodwa ukuba bashwankathele amaxabiso ekuhlalutyeni transactions ixesha elide enxulumene ngamaxesha ahlukeneyo, nto nje ayilunganga.

zokuhlala

Ixabiso lemali, kwakunye neminye imiqondiso zoqoqosho, ibalwe ngokungqinelana ifomula okhethekileyo. Umzekelo, kulawulo lwemali ekuphumezeni lo msebenzi amaxabiso emali kwi maxesha ezahlukeneyo loo mali zinikwe kwixesha lokuqala. Ukuze benze oku, yonke imijelo iintlawulo kufuneka babale kwi umlinganiselo isaphulelo, nto leyo ipesenti kusetyenziswa ukubala umsinga yengeniso elizayo ixabiso elithile ixabiso. Ukongezelela kwamaxabiso, eli nani liquka izinga lokubuya ukuba umtyali-mali ufuna ukusebenzisa ukulondoloza yebhanki yakhe.

kwindlela zogcino

Kwinkalo yezemali ixabiso lemali ekufuneka ukuba ibalwe ngexesha lesivumelwano semali-mboleko okanye imali, njengoko apha emiselweyo ubungakanani izinga lenzala. Umzekelo, ukuba umtyali-mali wagqiba sityale imali idiphozithi ye $ 5000 iminyaka emihlanu kwi-12% ekupheleni kwexesha, uya kufumana i $ 8,000. Oku kuthetha ukuba ixabiso xesha imali ixesha linyuke $ 3,000. Kwaye yandisa oko kuba ekubeni le mali ngoku, umntu uyakwazi ukutyala inzuzo imali yabo, wozithimba zisebenzele ngokwabo ngenxa yokwanda imali zabo kunye nenzuzo.

Umphumo emali

Noko ke, emva kokuba inani elithile leminyaka backfilled iindleko, equka inqununu kunye inzuzo, nto leyo kulo mzekelo i $ 8000, uya kuba amandla asezantsi okuthenga ngaphezu imali efanayo imali kwiminyaka emihlanu edlulileyo. Oku kubangelwe kukuhla kwamandla emali, nto leyo eyakhokelela ekubeni uphelelo igalelo, ingeniso yokwenene uya kuba ngaphantsi kakhulu $ 3000.

Ngoko, kwi umdla ayikho kuphela ipremiyamu lomngcipheko, kodwa izinga lokwenyuka kwamaxabiso, nto leyo ibalwa kwangaphambili, kuthathelwa ingqalelo izinga lwemali ukuphelwa lixabiso. Ke kaloku, ixesha emali backfilled ixabiso akucingeleki angalinganiswa kuphela kule mali unako ukuthenga ubungakanani kwempahla njengoko phambi ekuphunyezweni idipozithi. Umzekelo, iimeko ezinjalo kaninzi zenzeka kumazwe asaphuhlayo, apho umnikelo wenziwa ayikho iidola kodwa currency yendawo ezingazinzanga.