Babu shakka, ɗayan mawuyacin al'amura da zamu iya magance su shine kuɗi, kuma wannan shine lokacin da zamu isa magana game da kudaden ruwa, sharuɗɗan biyan kuɗi, babba, fa'ida, rarar kuɗi ko sauƙi mai sauƙi, lokacin haɓaka, da sauran sharuɗɗa; Ba abin mamaki bane cewa yana da matukar wahala a garemu mu fahimci yadda kuɗi zasu nuna hali yayin lokacin lamuni, kazalika da adadin da za mu biya tunda kowannensu ya yi daidai.
Don yin wannan tsari sauƙin Bankin Spain ta kirkiro na'urar kwaikwayo wacce da ita zamu iya baiwa kanmu cikakkiyar masaniya game da yadda wani tsari zai kasance, ya zama bashi ne, na'urar kwaikwayo ta Bankin Spain, jingina, da sauran hanyoyin da ake dasu. Amma gaskiya ne cewa azaman na'urar kwaikwayo bazai iya zama abin dogaro kwata-kwata ba, amma idan ya bamu kyakkyawar masaniya game da halayen da kuɗi zai kasance, bari mu ga yadda za ayi amfani da wannan na'urar ta kwalliya.
Abu na farko da yakamata mu bayyana shine na'urar kwaikwayo; ta ma'anar kwaikwaiyo tsari ne wanda manufar sa shine kokarin haifar da wani tsari, kasancewar zai iya haifar da abubuwan da zasu iya faruwa a rayuwa ta zahiri. A cikin shari'ar bankin Spain na'urar kwaikwayo, an tsara shi ne don ba mu damar ganin yadda kuɗin ruwa zai kasance, kuma mafi mahimmanci, wanda shine ganin yadda wannan zai shafi aljihun mu ta hanyar shafi jimillar biya da biyan kuɗi a kowane lokaci.
A wannan yanayin, kwaikwayo na Spain Yana yi mana hidima galibi ga batutuwa biyu, na farko shine na'urar kwaikwayo ta banki; na biyu kwaikwayo ne na lamuni. Dukansu an tsara su ne don a matsayin masu amfani zamu iya yanke shawara mafi kyau game da motsi da muke yi. Amma bari mu bincika kowane ɗayan waɗannan masu kwatancen biyu da kuma irin shawarwarin da zasu iya taimaka mana.
Bankunan ajiya
Amma ga na'urar kwaikwayo ta farko, wanda shine na ajiyar banki; na'urar kwaikwayo ce da ke taimaka mana nazarin halayen babban birninmu; wato a ce, yana ba mu damar lissafin adadin da ribar bankin za ta yi daidai da shi, yana mai nuni ga babban sha'awa. Wannan zai bamu damar yanke hukunci kan ko hakan ne kyakkyawan ra'ayi ne don adana kuɗinmu "saka hannun jari" a cikin asusun bankinmuIdan har yawan kudin da maslaha ba ta gamsar da mu ba, za mu iya yin la'akari game da yiwuwar samun tsarin saka hannun jari wanda muke samun ƙarin riba don kuɗinmu.
Bayyana ma'ana, yana da mahimmanci a yi la'akari da cewa banki ɗaya zai iya ba mu wasu zaɓuɓɓuka don saka hannun jari. Adana kudinmu a banki, da karbar babbar riba amintaccen saka jari ne, ma'ana, ba za a taba samun asarar asarar kudinmu ba, amma za a ci gaba da samun riba. A gefe guda, daban-daban irin zuba jari cewa bankuna na iya ba mu suna da maki biyu waɗanda dole ne mu fayyace, haɗari da ƙimar riba. Duk lambobin biyu zasu bamu damar yanke shawara mafi kyau gwargwadon bukatunmu da dandanon mu.
TA
Wani daga cikin bayanan da wannan na'urar kwaikwayo zata bamu damar bincika shine APR, ko kwatankwacin shekara-shekara. Wannan ƙimar tana matsayin abin dubawa don gano aikin shekara-shekara ko farashin samfurin kuɗi, a wannan yanayin asusun bankinmu. Abu mafi ban sha'awa game da wannan ƙimar shi ne cewa baya la'akari da jimlar lokacin da za a saka kuɗinmu a cikin asusun da aka faɗi. Saboda wannan yana yiwuwa mu ga sakamakon kuɗi a ƙarshen shekara.
Don ba mu kyakkyawan fahimtar abin da ya ƙunsa APRDole ne a fayyace cewa na'urar kwaikwayo ta dogara ne akan ƙimar fa'ida ta ɗan takara, tare da amfani da kuɗaɗe ko ƙimar da babban asusu kuma yayi la'akari da kwamitocin da dole ne a rufe su; sauran bayanan da take amfani dasu sune biyan kudi da kudaden shiga da aka yiwa kayan aikin. Idan aka ba duk waɗannan bayanan za mu iya kammala wannan APR Zai ba mu ra'ayin adadin kuɗin da za mu samu daga banki don kuɗinmu gaba ɗaya, tunda an yi la’akari da duka kuɗin shiga da fitar kuɗi. Don haka zamu iya samun ra'ayin yawan kuɗin da za'ayi amfani dasu a cikin ajiyarmu a cikin shekara guda.
Daya daga cikin fa'idodi na APR, shine cewa yana kwatankwacin dukkan ƙimar fa'idodi na ayyuka da yawa waɗanda zasu iya ma sami cikakken lokacin haɗuwa. Sabili da haka, idan asusun bankinmu ya kasance tare da wasu kayan aikin saka hannun jari, za mu iya samun damar sanin halayyar asusunmu gaba ɗaya, ba tare da buƙatar yin nazarin lissafin kowane ɗayan ayyukan hada-hadar kuɗi ba.
Bayanin da ke ciyar da na'urar kwaikwayo
Kamar yadda muka riga muka binciki wannan na'urar kwaikwayo, tana da amfani kuma tana da fa'idodi da yawa don nazarin halin asusun mu na banki, amma yanzu zamu bincika menene bayanin da dole ne mu shigar dasu don samun ƙarin sakamako na ainihi daga na'urar kwaikwayo.
Abu na farko da zamu shiga shine kudin amfani cewa muna son na'urar kwaikwayo ta bincika; Wannan bayanan suna da mahimmanci saboda dangane da wannan bayanin, na'urar kwaikwayo zata sanya lissafin abubuwa daban daban wadanda zasu kawo shi kusa da wani sakamako mafi inganci, don haka bayanin karshe ya zama abin dogaro.
Abu na biyu dole ne mu zama bayyane game da shi don ciyar da na'urar kwaikwayo hanya madaidaiciya Waɗannan su ne sharuɗɗan da muke so da kuma lokutan biyan kuɗi; Duk waɗannan bayanan suna da mahimmanci cewa muna da su kafin amfani da wannan na'urar kwaikwayo, saboda ta wannan hanyar sakamakon zai zama mafi kusanci.
Nasiha mai amfani shine bayanin da na'urar kwaikwayo take buƙata, muna da a kowane fanni fiye da zaɓi ɗaya; Wannan zai taimaka mana muyi nazarin yanayin daban-daban wanda zamu iya zaɓar mafi kyau ko wanda ya dace da bukatunmu.
Kayan kwaikwayo na rance
Kayan kwaikwayo na aro Tsari ne da zai bamu damar samun damar sanin halayyar abubuwanda zamu biya domin samun damar biyan rancen da bukatun. Wannan na'urar kwaikwayo tana da matukar amfani saboda hakan zai bamu damar sanin yadda kudinmu zai kasance a cikin dogon lokaci, hakan zai bamu damar lura da adadin da zamu biya a matsayin wani bangare na haraji kuma mu hango idan akwai yiwuwar canza a cikin kudaden da za mu rufe.
Lokacin da wannan na'urar kwaikwayo ta bamu sakamako, yana da mahimmanci muyi nazarin idan zamu sami damar biyan kuɗin da rancen ya samar; ta yadda ba za mu ci bashi tare da adadin da ba za mu iya rufewa ba. Wani batun kuma da ya kamata mu bayyana a fili shi ne cewa dole ne mu bincika farashin da fa'idodin rancen da aka ce, a wata ma'anar, dole ne mu tambayi kanmu: Shin ya dace mu ci bashi kuma mu biya riba don samun rancen?
Kodayake wannan na'urar kwaikwayo za ta ba mu sakamako, mai amfani ne yake yanke shawarar ƙarshe, don haka za mu ɗan bincika zurfin bayanin da na'urar kwaikwayo ta samar da yadda mai amfani zai fassara shi da kuma bincika shi.
Wannan na'urar kwaikwayo zata bamu kudin farko wanda zamu biya sakamakon bashi, ana kirga shi a kudin ruwa da kuma lokacinsa. Don haka don samun sakamako mafi daidaituwa, yana da mahimmanci mu sami bayyanannen bayani wanda zai ciyar da na'urar kwaikwayo.
Wani daga cikin fa'idodi na wannan na'urar kwaikwayo shine cewa tana da damar dubawa a cikin lissafin ta idan akwai wani bambanci a cikin yanayin lamunin; don samun samfuran amortization a matsayin sakamako na ƙarshe. Ta wannan hanyar, adadin ƙarshe da za a biya zai kasance a bayyane sosai da yadda aka raba shi zuwa lokacin lokacin da aka amince da shi a cikin rancen.
Dalilin wannan bayanin shine don samun damar yanke hukunci mafi kyau, a garesu ya zama dole muyi la'akari da kashi na farko da na'urar kwaikwayo zata jefa mu; yi mana tambayoyi kamar zan iya biya? Shin ba zai tsoma baki tare da wasu bashin ba? Idan wani abu da ba zato ba tsammani ya faru, shin ina da ikon biyan kuɗin da abin da ba zato ba tsammani? Ba tare da wata shakka ba, tambayar kanmu waɗannan tambayoyin zai ba mu cikakkiyar fahimta game da ko ya kamata mu yarda da samun lamuni ko a'a.
Wani batun kuma da zamu tantance shine tebur amortization, wanda ya hada da biyan kudi na lokaci-lokaci da za mu yi wa banki. Tare da wannan bayanin a hannu, dole ne mu tambayi kanmu, shin za mu sami damar kowane wata don ɗaukar kuɗin? Shin akwai wani abin da muke da kuɗin da aka ba mu? Yin tunani a kan wannan al'amarin zai ba mu cikakken ra'ayi game da wanne ne mafi kyawun zaɓi.
ƙarshe
Ba tare da shakka ba masu kamanceceniya Suna da babban taimako don samun damar yanke shawara mafi kyau game da kuɗi, kuma na'urar kwaikwayo ta Bankin Spain ba kawai tana ba mu bayanan da suka dace don gudanar da bincikenmu ba, amma har ilayau yana da abokantaka, tunda yana yiwuwa mu sami waɗannan simulators daga wayar hannu ba tare da la'akari da ko ya kasance iOS, ko wayar hannu ta Android ba. Duk bayanai da kayan aiki suna a hannun mu a yau, yanzu ya zama batun amfani da su da kuma sanin yadda ake amfani da su zuwa ga fa'idar mu.