Capitalization kufarira sendarama Zvakanyanya Kunaka Panguva Yepamuviri nzira kuunganidza mari

Munyika yanhasi, vanhu vari kuramba uchikurukura zvemari masangano akadai mabhanga. Dzimwe totaura nevatengi chikwereti kana kuti kubhadhara paruzhinji mabasa, asi kakawanda zviri kuda kuvhura zita ravo rubatso. To musi, bhengi dhipoziti ndechimwe chezvinhu dzakakurumbira nzira kuponesa nechokwadi kutsiga kuwedzera mari pakati vanhu. Pashure pezvose, haagoni yakavanda, kuti tose tiri rinosundwa simba kuda mari uye kuwedzera nhamba yavo chikwama yedu. Ichi ndicho chikonzero chikuru kuti rudo vanhu kuti dhipoziti zvigadzirwa.

Atarisana kokutanga ne ndandanda "refu" kuti bhangi deposits zvinogona kuva Avhiringidzika uye vanobatwa nokukundwazve nazvo, kuti ndicho chakanakisisa chaizvo. Asi nokufamba kwenguva, unotanga kunzwisisa zvinoreva "capitalization kufarira" mashoko akanaka, uye kuti ndiye nezvechisarudzo yakanakisisa rinyatsomubatsira mari. Ngatitorei vanyatsoona pfungwa iyi.

Capitalization zvinhu - zvemari mubereko kuti dhipoziti chitsama neumwe periodicity zvinoratidzwa chibvumirano, zvokuti chitsama dhipoziti pakazopera izwi rokuti zvikuru "kukura." Zvichitaurwa zviri nyore - ndiwo yechimbadzo kubva muzana kuti nemauto zvemari anonzi "remubatanidzwa mubereko."

Pakutanga, zvinoratidzika kuti pave capitalization kufarira kunotoita mari. Kutaura zvazviri, mhedziso iyi ephemeral, nekuti kakawanda chete anoshanda panyaya zvakaenzana wepagore kufarira prices. Chokwadi, pamwedzi capitalization ichifarirwa unokubvumira kuwana mari yakakwirira zvichienzaniswa nedzimwe mhando zvakafanana dhipoziti mubereko rates, asi pasina capitalization, uye achaponesa mari tichiregeredza okutsiva dzakava kufarira. Uye zviri kwazvo zvakanaka mutengi, uye saka zvikuru.

Capital Mipiro vava kupa nhivi dzose, pasina chaakasiya nekuti pfungwa iyi ndiyo inonyanya kufarirwa pakati vanhu. Maererano nenhamba, vanomwe kubva gumi mubhangi zvigadzirwa - kusvikira capitalization, kusiyana chete pakati pavo - kakawanda kuti kukarukureta. More yakakurumbira pamwedzi capitalization mhindu, uyewo Quarterly. capitalization Makambani vanofarira hapana zvishoma pane vanhu. Pashure pezvose, kana paine mari vakasununguka dzaivapo, wadii mari mubhangi uye kuwana zvimwe mari iri "upfumi" achauya pedyo.

Pakutanga, zvose zvakanakira vakadaro dhipoziti zvigadzirwa sokuti pachena, kunyanya zvibereko nenguva zvakafanana mari uye mwero. Asi usakanganwa kuti zvakanakira nekuipira vaviri, akatsunga tichienzanisa analogues. Kakawanda, rubatso ane capitalization yevanhu mubereko dererei pane kuti dzimwe nguva, unoisa nekodzero dzakafanana kumwe inivhesitimendi. Kureva, zvose nguva unogona kusarudza kufarira prices kuitira kuti "kunyatsoshanda" pamusoro dhipoziti pamwe capitalization uye pasina, achava mumwe chete.

Capitalization kufarira achapa mutengi kufadza kwemari, kana ukasarudza pakati mipiro panguva pamwero chete. Chete muchiitiko ichi zvahuchaunza unequivocal purofiti kubudikidza paavhareji 0.5-0.8% pagore. Kuti, refu deposits kuwedzera mukana mukomboni mubereko.

Nokusarudza rubatso chigadzirwa anofanira kuswedera nokuchenjera, kunyanya kana uwandu mari vakadzikama. Ndicho chimwe chinhu kuti muzana kashoma kuti $ 10, asi zvikuru mumwe kana 1000. Iyi musiyano chinokosha, uye haadi kuti kurasikirwa. Saka rangarira, vamwe inokosha nyore mitemo kuti vanofanira kutungamirirwa pakusarudza mhando dhipoziti.

Capitalization zvinhu zvinoshanda zana muzana, kana kuti mwero zvinoenderana nezvimwe zvigadzirwa, pasina akakura mubereko. Saka, kudzidza zvigadzirwa, teererai paMhedziso kukosha kubva muzana, uye capitalization. Uye usakanganwa pamusoro izwi iri dhipoziti uye kakawanda mhindu, nekuda izvi zvinhu, chokupedzisira mari hakubvi mudukusa pamusoro bheji.

Uye chimwe chinhu, chikuru zvakaipira deposits pamwe remubatanidzwa kufarira kusavapo zvinobvira mangwanani kugumiswa. Ndiko kuda mberi nguva kudzokera mari yako, pauwandu hweavo zvose zviri kushandurirwa pa mwero dhipoziti "riri kudiwa". Uye ichi ndicho chokwadi sendi!

Achitendeukira kubhangi kekutanga kuona Zvakanyanya Kunaka Panguva Yepamuviri dhipoziti, unogona kukumbira mudonzvo kuverenga zvibereko kupfuura kufarira kusarudza mipiro. Kazhinji, chisarudzo ichi vanofanira kutungamirirwa zvinangwa zvavo pachavo, kureva, kana paine chinangwa kuunganidza mari - mubereko capitalization zvinonyatsoenderana iwe zvakakwana!