Mene ne capitalization na ajiya da kuma capitalization ban sha'awa a kan ajiya?

A zamani banki tsarin kunshi yawa bankuna. Banks a Bugu da kari zuwa da kansa kudi aiki da kyau kamar yadda kudi tashe, wato, a kudi na adibas. Hannu iya yantar da albarkatun, duka biyu jiki da kuma doka abokai, amma janye na samarwa aiki da kuma amfani rates ne kai tsaye dogara a kan hanyar-banki karin kudi. Mutane da yawa irin adibas, amma mafi amfani ga abokin ciniki aka dauke su zuba jari a cikinsa akwai capitalization ban sha'awa a kan ajiya. Akwai hanyoyi da dama irin ajiya, kana bukatar ka fahimci abin da capitalization na ajiya da kuma capitalization ban sha'awa a kan ajiya. A capitalization na ajiya - wannan shi ne wani karuwa a cikin adadin da adadin accrued amfani. Yawanci a lokacin da ka yi wani taimako ne mai raba ajiya lissafi, wanda aka ɗauke shi zuwa lissafi kuma, da Miliyan Xari. Dangane da yanayin sakawa na ajiya, amfani iya cajin a karshen ajalin, wata-wata, na kwata ko ma sau daya a shekara. Lokacin da accrued amfani capitalization na ajiya za a kara to ajiya adadin, wanda shi ne a karshen wa'adinsa za a lasafta da depositor ta yanzu lissafi. Interest capitalization a ajiya ana lasafta kowane lokaci bisa farko shigar da adadin, kuma kada Ka ƙãrã tare da lokaci. A cikin hali na jeri na kudi da irin wannan damar a matsayin capitalization ban sha'awa a kan ajiya cajin amfani ba kawai a kara wa ajiya adadin, kuma shiga cikin na gaba lissãfi. Saboda haka, a lokacin da kirga kowane daga cikin na gaba ajiya adadin ya karu da yawan accrued amfani. A sakamakon haka, sha'awa da aka caje a kan amfani, wanda ƙwarai qara tasiri kudi a kan ajiya. Capitalization ban sha'awa a kan ajiya godiya ga wannan alama da kuma aka yi talla da duk bankuna, wanda da irin wannan irin ajiya.

A amfani da taimako tare da amfani capitalization - wani mataki na samun kudin shiga idan aka kwatanta da gudunmawar cewa yana biya lokaci-lokaci amfani. Irin wannan jeri na samuwa kudi riba zabi abokan ciniki da suka mãsu ƙyãma, ko iya daukar amfani a kowane wata.

Shekara-shekara amfani rates a kan adibas tare da amfani capitalization yawanci ƙananan fiye da a kan adibas tare da amfani a biya a balaga, amma ya fi a kan adibas da lokaci-lokaci biya na gudunmawar. Dalilin wannan - bankin ta amince da cewa, sanya da kudi zai kasance a cikin zubar da aka kayyade a cikin kwangila adadin lokaci.

Term na ajiya jeri zuwa capitalization ban sha'awa bambanta dangane da banki, amma yawanci Range daga 1 shekara. Masauki ajiya ga wani guntu lokaci ne impractical saboda capitalization ban sha'awa zai zama marar ƙarfi, kuma kusan undetectable. The kawai togiya - gudunmawar da manya-manyan adadin.

Kullum capitalization ban sha'awa saboda da bankin amfani da software faruwa ta atomatik, don haka don tabbatar da daidaitar lissafi bai sa hankali. Amma shi ne, idan so, za a iya sanya, shi ya kamata kawai la'akari da cewa accrual ban sha'awa da ke faruwa tare da rana wadannan ranar ajiya. Idan so, za ka iya ko yin capitalization da kansa. Don yin wannan, shi matabbaci a ajiya tare da yiwuwar ƙari kuma lokaci-lokaci amfani biya. Accrued kuma ya biya adadin amfani da abokin ciniki iya da kansa sa duka biyu ajiya ƙari, sakamakon a kusan samun wannan capitalization ban sha'awa.

Bugu da kari ga capitalization na ajiya da kuma amfani, akwai kuma irin wannan abu a matsayin na bakin ciki capitalization. A Sphere irin gudunmawar da shi yana da kõme ba yi da taba more babban birnin kasar kamfanonin da kamfanonin. Thin ko kasa capitalization ya nuna cewa kamfanin ya kasance sun fi mayar a kudi na nasu kudi, da kuma a kudi na aro ko leveraged.