Kodi njira yotsika mtengo kwambiri yopezera ndalama zogulira galimoto ndi iti?
Mukapanga chisankho chachikulu chogula galimoto yatsopano, pali njira zambiri zomwe mungaganizire. Mwachiwonekere, muyenera kuganizira mtundu wa galimoto yomwe mukufuna komanso mitengo yomwe ikugwirizana ndi bajeti yanu. Kulipirira galimoto ndi udindo waukulu. Pakati pa malipiro, inshuwalansi, malipiro anu a mwezi uliwonse, ndi kukonza zomwe mwakonzekera, ndalama zambiri zimapita ku umwini wa galimoto. Anthu ambiri amayesa kusunga ndalama kulikonse kumene angathe, ndipo kusankha wobwereketsa ndi gawo lalikulu la izo. Anthu ambiri amatenga ngongole kubanki, wobwereketsa, kapena amagwiritsa ntchito njira zopezera ndalama zamalonda. Ndiye ndi iti yomwe ili yotsika mtengo?
Yankho losavuta: zimatengera. Pali zinthu zambiri zomwe zimayang'anira momwe obwereketsa amatsika mtengo kapena okwera mtengo.
Mabanki nthawi zambiri amakhala obwereketsa otsika mtengo kwambiri. Mabanki ambiri, makamaka mabungwe a ngongole, amapereka chiwongola dzanja chochepera 10% pa ngongole zawo.
Nthawi zambiri, chiwongola dzanja cha ogulitsa chimakhala chokwera kuposa chiwongola dzanja chakubanki chifukwa ndi mkhalapakati. Amalipiritsa chiwongola dzanja chilichonse chomwe mabanki amawapatsa. Monga lamulo, kuchuluka kwapakati kumakhala pafupifupi 2.5%. Ndalama zomwe wogulitsa angawonjezere chiwongoladzanja zimayendetsedwa ndi boma.
Koma ochita malonda amapanga malonda abwino nthawi ndi nthawi. Ogulitsa ambiri ali ndi zopereka zapadera pomwe amapereka 0% kwa nthawi inayake. Kulipira kopanda chiwongoladzanja kumatanthauza malipiro otsika mtengo a galimoto kwa nthawi yodziwika. Simungapambane izi! Mabanki ndi obwereketsa ena sangathe kukupatsani chiwongola dzanja chochepa chotere chifukwa sangapange ndalama mwanjira imeneyo. Ogulitsa akupindula kale kukugulitsani galimoto, kotero kuti chiwongola dzanja cha zero ndichowalimbikitsa kuti akubweretsereni kwa wogulitsa.
Chiwongola dzanja cha ogulitsa chingathenso kukambitsirana. Ngakhale chiwongola dzanja pa ogulitsa ndi banki zimatengera kuchuluka kwangongole, wogulitsa amakhala ndi mwayi pamtengo womwe amakulipiritsani chifukwa chakusamutsa. Ngati akupatsani chiwongola dzanja chomwe simuchikonda, mutha kuthamangitsa kuti mutulukemo. Ndalama za chiwongoladzanja za banki zakhazikitsidwa ndipo sizingaletsedwe kutero.
Ngakhale kuti ogulitsa ndi malo ogulitsa amodzi, zomwe zimapangitsa kuti zikhale zosavuta kupeza ngongole ndi galimoto nthawi imodzi, mabanki ambiri ndi mabungwe a ngongole amakulolani kuti mulembetse ngongole pa intaneti mumphindi.
Bank Rate imasindikiza zomwe zikuchitika kwa miyezi itatu pa chiwongola dzanja chagalimoto. Izi zikuthandizani kudziwa ngati mtengo womwe mukukulipiritsa uli wokwanira.
Kupezeka kwa nthawi yayitali kumadalira chiwongoladzanja chomwe mumapeza komanso nthawi yayitali bwanji. Mukapeza bwino ngongole yanu, m'pamenenso mungakhale ndi mwayi wopeza chiwongola dzanja chabwino. Kulipira kwagalimoto kumatha kukhala zaka 3 mpaka 7 kwambiri, kotero kuti chiwongola dzanja chochepa ndichofunika kwambiri pakulipira pang'ono galimoto pakapita nthawi. Tengani nthawi yanu ndikuchita kafukufuku wanu musanadumphire kaye pazandalama zamagalimoto. Yang'anirani zotsatsa kuchokera kwa ogulitsa komanso banki yanu. Kusunga nthawi yoyenera kugula kungapangitse kusunga ndalama m'kupita kwanthawi.
