annuity

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Kodi chiwongoladzanja ndi chiyani?

Mabanki ndi mabanki amagwiritsa ntchito mawuwa annuity monga chizindikiro cha ngongole yoyenera ndi kuchuluka kwa chiŵerengero cha chidwi ndi kuchepetsa ndalama. Mawu awa amachokera ku Chilatini ndipo mukhoza kulingalira kuti ndi gulu liti lomwe liwu liyenera kukhala lopangidwa. Annus amatanthauza chaka mu Chilatini ndipo chaka chimagwiritsidwa ntchito kuwerengera chidwi ndi kubwezera kwa chaka. Ngati kulipira ngongole kubwezeredwa ndi kubwezeredwa kwake, ngongole yotsalira ikuchitika. Ndalama za ngongole zimagwiritsira ntchito mawu omwe amasonyeza momwe chidwi ndi kubwezera ziyenera kuwerengedwera bwino.

Ngongole kapena ngongole yofananayo yachepetsedwa pa chaka chatha ndipo pamapeto pake mumadziwa kufunika kwa mlingo wamwezi uliwonse, womwe uli ndi chidwi ndi kubwezera. Pankhani yobwezera, nkofunika kudziŵa momwe chiŵerengero chobwezera ndi chiwongoladzanja chikufalikira mofanana pa chaka chimodzi. Muyeso ya annuities, ndondomeko yokonzedweratu ndi yowerengera mitengo, zomwe zikuphatikizapo chiwongoladzanja, zotsatira. Ndalamazi sizimalipidwa ndi wobwereka pa chaka chimodzi. Misonkho ya mwezi uliwonse iyenera kukhala yovomerezeka ndipo izi chiŵerengero cha ndalama zimadaliranso ndi kuchuluka kwa ngongole. Kusintha kwa mwezi uliwonse kwa chiŵerengero ichi ndi chosatha pa kuthetseratu. Izi ndi zotsatira za kuwonongeka kwa masamu mu dongosolo la chiwombolo ndi chiwerengero chenicheni cha momwe ngongole imakhalira pa kukula kwa mgwirizano wonse. Ngati mukuganizira chaka cha chiwombolo, ndiye kuti malipiro onse amakhalabe osasunthika, mlingowo umakhala wofanana, koma chiwerengero cha chiwombolo chimasintha kwa chiwongoladzanja. Pofuna kukonza ndondomekoyi, amagwiritsira ntchito makina okhwima ngongole, omwe amasintha zigawozo ndikuwerengera chidwi ndi kubwezera, chaka ndi chaka, chaka chimodzi, mwezi ndi mwezi wonse. Kotero mukhoza kufotokoza ndendende kuchuluka kwa ndalama zomwe mumalipira pamwezi komanso momwe mumadziwira nthawi ya ngongole.

Chidwi ndi kubwezera kwa annuity

Tsopano mutha kuchita ntchito yosavuta chifukwa tsopano mukudziwa zomwe zimapangitsa kuti ngongole kapena ngongole iwonongeke. Mapulogalamu ndi chiwongoladzanja cha chiwongoladzanja zimapanga ndondomekoyi, ndipo izi zikuwonetsa kuti ndalamazo zimatha. Tiyeni titenge chitsanzo chabwino, monga kubwereketsa ngongole, zomwe zimaphatikizapo kuchuluka kwa kukula kwa ngongole ya ngongole kuchuluka kwa 1% ya ndalama zowongola ngongole ndi ndalama zowonjezera ngongole. ndi annuity kawirikawiri amagwiritsidwa ntchito pa mtundu wa ndalama za nthawi yaitali. Mu ngongole yamtundu uwu, chigawo chosinthika chingasinthidwe mosiyanasiyana, motero kusintha zochitika za annuity. Ichi ndicho chikhalidwe cha izi ngongole ndipo apa ponena za nyumba kapena ndalama, nthawi zambiri zimakhudzanso ndalama zambiri. Komabe, pa nthawi yonse ya ndalama, gawo la kubwezeredwa kwa malipiro pamwezi uliwonse ndikuwona momwe dongosolo lino likugwirira ntchito. Makamaka ngongole zomwe zinaperekedwa ku chiwongoladzanja chachikulu, kupanga chiwerengero cha ndalamayi ndi chida chofunikira kwa uphungu. Masiku ano, chiwongoladzanja chikuchepa kwambiri tsopano ndipo makamaka ndi ngongole yobwereka ndi nyumba yogula, izi ndi zabwino kwambiri pogwiritsa ntchito annuity ndi mawerengedwe ake.

Kupititsa patsogolo ndalama zachuma kudzera mu ngongole za ndalama

Ngongoleyi ndi ngongole zimakhala zothandiza kwambiri pazomwe ndalama zimagwiritsidwa ntchito komanso momwe ndalama zogulira ngongole zimakhalira. Izi zikukhudzana ndi kuchepa kwa msonkho komanso chithandizo cha msonkho cha chiwongoladzanja chokwanira pa ngongole ndi ngongole. Inu monga wobwereka nthawizonse mumapindula ndi kuwerengetsa momveka bwino ndi kolondola za annuity. Ngongoleyi imakhalanso yofunikanso, chifukwa iyi ndi njira yabwino kwambiri yopezera ngongole yabwino kwambiri ndi chaka. Amazindikiranso mofulumira pamene akuganizira kuti chaka chonse chiwerengerochi ndi chiwerengero cha ziwerengerozi, chiri ndi tanthauzo lalikulu kwambiri. Zonsezi ziri bwino mu dongosolo la chiwombolo ndipo mtundu uwu wa ngongole imakhalanso wotetezeka kwambiri. Kugwirizana kwa phindu laumwini kumaphatikizidwa mu kuwerengera ndi kufotokozera mafotokozedwe pa ngongole ya wobwereka ikhoza kupangidwanso apa.

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