chiwongola dzanja mwadzina

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Kodi chiwerengero cha chiwongoladzanja chotchulidwapo ndi chiyani?

Der chiwongola dzanja mwadzina ndi mtundu wa ndalama chidwi. Mtundu umenewu uli ndi chiwongoladzanja chovomerezeka, chomwe chimabwera chifukwa cha ngongole kapena zomwe mumalandira chifukwa cha ndalama. Sichiphatikizapo ndalama zina zowonjezera monga ndalama zothandizira. Nthawi ya chaka chimodzi amagwiritsidwa ntchito pa chiwongoladzanja cha chiwongoladzanja. Chidule cha "pa" chimayimira "pachaka" ndipo chimachokera ku Latin "perno".

Chitsanzo: Chiwerengero chophweka chowerengera

Tangoganizani, osakongola banki ndalama za EUR 10.000 kwa mlingo mwadzina chidwi 4%. Choncho, muyenera kulipira chidwi cha 400 Euro pachaka. Ndalamayi sichikuphimba ndalama zina zomwe zingakukhudzeni.

Kusiyanitsa pakati pa chiwongoladzanja chabwino ndi chokhudzidwa chiwongoladzanja

Chiwongoladzanja chomwe chimatchulidwa chikhoza kukhala chosiyana ndi chiwongoladzanja cha chiwongoladzanja. Chiwongoladzanja cha chiwongoladzanja, chomwe chimapangidwa ndi chiwongoladzanja chomwe chimatchulidwa kuti ndi chiwongoladzanja ndi magawo ena, chimaikidwa ngati chiwongoladzanja chogwira ntchito.

Malingana ndi momwe chiwerengero cha chiwongoladzanja chikugwirizanirana, chiwongoladzanja cha chiwongoladzanja chikhoza kukhala ndi zosiyana zowonjezera zina. Chikhalidwe cha kubwezeredwa komwe anavomerezana ndi malipiro a chidwi chimathandizanso.

Ndalama zothandizira ngongole zikhoza kulipira ndalama zawo zogulira. Ndalama zothandizira izi zikuphatikizidwanso mu chiwongoladzanja cha chiwongola dzanja. Pankhaniyi, chiwongoladzanja cha chiwongoladzanja chikukwera pamwamba pa chiwerengero cha chiwongoladzanja.

Mukamabwereka ndalama, musamangoganizira za chiwongoladzanja chokha. Chonde ganiziraninso za chiwongoladzanja cha chiwongoladzanja m'malo. Izi ziyeneranso kutchulidwa.

Chitsanzo: Lingalirani ndalama zothandizira

Taganizirani chitsanzo kuyambira pachiyambi. Mumabwereka 10.000 Euro ndipo mumavomereza pa chiwongoladzanja chokha cha 4%. Malinga ndi izi zowerengeka, mukulipira chaka chonse 400 Euro - koma chiwerengero cha chiwongoladzanja chikukhudzidwa. Kawirikawiri ndalama zowonjezera zimawonjezeredwa.

Tangoganizani kuti banki yanu ikukutsutsani mtengo wa 100 Euro yogula ndalama pachaka. Mu chitsanzo chowerengera, simukulipira 400 Euro pachaka, koma 500 Euro. 500 Euro ya 10.000 Euro ndi 5%. Ngati palibe malipiro ena enieni kapena osalongosoka omwe akuwonjezeredwa, mudzalipiritsa chiwongoladzanja chaka chilichonse cha chiwongoladzanja cha 5%, ngakhale kuti chiwerengero cha chiwongoladzanja chikanakhala 4%.

Kusiyanitsa pakati pa chiwerengero ndi chiwongoladzanja chenicheni chokhudzidwa

Chidwi chenicheni chimadalanso ndi chiwerengero cha chiwongoladzanja. Kuti mudziwe mlingo weniweni wa chiwongoladzanja, muyenera kuphatikizapo kuchuluka kwa chiwombankhanga. Chiwongoladzanja chenicheni chikhoza kutanthawuza ku mitengo yamtengo wapatali yakale (ex post) kapena chiwongoladzanja chomwe chidzachitike (ex ante).

Cholinga chenicheni cha chiwongoladzanja chikhoza kukhala choipa ngati mtengo wa inflation uli pamwamba pa chiwerengero cha chiwongoladzanja.

Chitsanzo: Kuyeza mwamsanga za chiwongoladzanja chenicheni cha chiwongoladzanja

Tangoganizani kuti mwagulitsa ndalama zanu ndi banki ndipo munavomereza pa chiwongoladzanja chokha cha 5%. Ngati chiwerengero cha inflation ndi 2%, zotsatira zotsatirazi zowonjezera:

5 - 2 = 3.

Muchitsanzo ichi, chiwongoladzanja chenicheni chiri pafupifupi 3%. The mawerengedwe lenileni la mlingo weniweni chidwi ndi zinthu zambiri zovuta - koma mawerengedwe izi akhakula nthawi zambiri amalola lingaliro yankhaza, ndi mmene mkulu kapena ayi pa mlingo weniweni chidwi.

Chiwerengero cha chiwongoladzanja chosasintha

Chiwerengero cha chiwongoladzanja chikhoza kukhala chiwerengero chokhazikika kapena kusintha kosinthika. Chiwongoladzanja chokhudzidwa ndi chiwongoladzanja chikukhudzidwa ndi chiwongoladzanja chosiyana, mwachitsanzo, pa mtengo wamsika wamsika. Mosiyana ndi izi, chiwerengero chokhazikika cha chiwongoladzanja chikufotokozedwa ndi nambala yeniyeni.

Komabe, chiwongoladzanja chokhazikika chikhoza kusintha. Komabe, kusintha kumeneku kwavomerezedwa. Mwachitsanzo, ndizotheka kuti chiwongoladzanja chaka choyamba ndi 4%, m'chaka chachiwiri 4,5% ndipo m'chaka chachitatu 5%. Mgwirizano woterewu umayikidwanso mu mgwirizano wolembedwa.

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