Uyini Inani lemali?

Inani lemali - kuba umqondo kwezomnotho, ngesisekelo okuyinto egomela ukuthi inhlokodolobha kumele njalo imali kumnikazi. Namuhla, Ngakho-ke, inani imali kuningi kunokomuntu nasesikhathini esikude esizayo sizohlolwa ngumhloli esilinganayo. "Baba" leli qiniso kungaba kubhekwe ngokuthi uLeonardo Fibonacci, wasungula umqondo emuva 1202. Nokho, isazi sesayensi, owayehlala Ephakathi, okwamanje acabangele ukuthi kungenzeka ukungakhuli izikweletu ngaphansi kwethonya izici zangaphandle, njengoba ngokuhamba kwesikhathi kuqukethwe zemali kuphela bephume amatshe ayigugu kanye zemali zethusi ababezithola phansi benze izinkokhelo amancane.

Isikhathi Inani lemali, okuyinto iqiniso eliyisisekelo inkolelo-mbono yokuziphendukela ezezimali kuxhomeke ezicini ezimbili eziyinhloko - ingozi futhi ukwehla kwamandla emali. Futhi abasengcupheni kakhulu ukwehla kwentengo imali yephepha, inkambo engasekelwa uboshelwe "troy ounce", ngokungafani kuya Ikhredithi yasebhange amanothi ezoshintshwaniswa igolide. Ngakho-ke, inani nesikhathi imali okwamanje isilinganiso esetshenziswa zezomnotho yazo zonke kwamazwe anamuhla, okuyinto kubonakala ngokukhethekile endleleni design wesikweletu izinhlelo.

Nokho, inani lemali kubangelwa phezu kwesisekelo sokuthi abantu ungathanda ukuthola ethile manje kuka inani elifanayo izikweletu we ihlelo nasesikhathini esikude esizayo. Lapho izakhamuzi noma amabhizinisi kunomthelela Bank, ngamunye wabo ufuna ukwenza imali futhi imali engenayo ngesimo isithakazelo. Ngakho-ke, lapho ukwenza imisebenzi yezimali kubalulekile ukucabangela isikhathi isici, kodwa ukuba afingqe yamanani ukuhlaziywa eside ukuthengiselana eziphathelene izinkathi ezahlukene, kumane nje ayilungile.

nemizana

Inani lemali, kanye nezinye izinkomba zomnotho, ibalwe ifomula ekhethekile. Ngokwesibonelo, ngokwedlulele ekuphathweni kwezimali kanjalo ekuqaliseni umsebenzi amanani yemali e ezahlukene isikhathi ozimele izamba ezinje zinikwa lokuqala konyaka. Ukuze wenze lokhu, wonke imifudlana izinkokhelo kudingeka ukubala on rate isaphulelo, okuyinto iphesenti esetshenziswa ukubala ukusakaza engenayo esizayo kunani athile Inani lamanje. Ngaphezu kwamandla emali, lesi sibalo sihlanganisa ngesilinganiso ukubuya ukuthi umtshali wemali uyobe ufuna ukusebenzisa imali yakhe yasebhange.

uhlelo yasebhange

Esikhathini sphere zezimali ukubaluleka imali iyadingeka ibalwe ngesikhathi esivumelwaneni sokubolekwa kwemali noma idiphozi sivumelwano, njengoba lapha ebekiwe Usayizi inani lenzalo. Ngokwesibonelo, uma umtshali wemali uyobe banquma ukutshala imali ku idiphozi $ 5000 iminyaka emihlanu 12% ekupheleni kwesikhathi, uzakukwamukela $ 8,000. Lokhu kusho ukuthi ukubaluleka isikhathi imali kwesikhathi kukhuphuke ngo $ 3,000. Futhi kwandisa ngoba oluphethe lezi zimali manje, umuntu uyakwazi ngokunenzuzo ukutshala imali yabo, ukubenza ukusebenza bona ngenxa okwandisa imali yabo siqu kanye inzuzo.

Umthelela emali

Nokho, ngemva kwenani elithile iminyaka backfilled izindleko, ehlanganisa uthishanhloko kanye inzuzo, okuyinto kule isibonelo $ 8000, batawuba nemandla aphansi ukuthenga kuka inani elifanayo lemali eminyakeni emihlanu edlule. Lokhu kungenxa kwamandla emali, okwaholela ukwehla yomnikelo, imali yangempela buzoba buncane kakhulu kuka $ 3000.

Ngakho-ke, isithakazelo amanga hhayi kuphela premium ingozi, kodwa izinga kwamandla emali, ebalwa kusengaphambili, ikhumbula ngesilinganiso lwemali ukwehla. Futhi esikhathini ayehle kakhulu amandla emali backfilled ukubaluleka ezingalindelekile kungenziwa kuphela ukalwe njengoba kulolu lemali ungakwazi ukuthenga ubuningi efanayo izimpahla ngaphambi kokwenziwa idiphozi. Ngokwesibonelo, ezimweni ezinjalo ngokuvamile iyokwenzeka emazweni asathuthuka, lapho umnikelo owenziwa hhayi zamadola kodwa i yendawo engazinzile.