Izibhengezo
IMega-Sena yenye ye zelona zidumileyo eBrazil, kwaye ibhaso layo linokuguqula ubomi bakhe nawuphi na umntu. Kutshanje, imali eqokelelweyo ifikelele kwi-R$ 37 yezigidi ezichukumisayo.
Kodwa, eyona nto abantu abaninzi bafuna ukuyazi yile: ingaba le mali ingangenisa malini ukuba ibekwe kwi-akhawunti yokonga?
Izibhengezo
Amandla eNzuzo yeAkhawunti yokuGcina
I-akhawunti yokonga lolona tyalo-mali lwesintu nolufikeleleka lula eBrazil. Nangona ingelulo olona tyalo-mali lunenzuzo enkulu, ukhuseleko nokulula kwayo kusaqhubeka kutsala abatyali-mali abaninzi, ngakumbi abo baphumelela amabhaso amakhulu elothari nabakhetha ukuphepha imingcipheko.
Okwangoku, i-akhawunti yokonga ivelisa malunga ne-0,5% ngenyanga kunye neTaxa Referencial (TR). Kwimeko yezoqoqosho yangoku, i-TR ikwiqanda, nto leyo eyenza ukubala kube lula. Ngoko ke, sinokuqwalasela inzuzo yenyanga eyi-0,5%.
Ukubalwa kweNzuzo yeNyanga
Ukuqonda ifuthe lenzuzo kwi-akhawunti yokonga, masibale ukuba i-R$ 37 yezigidi zingangenisa malini ngenyanga enye.
Okokuqala, siphindaphinda imali ephambili ngenqanaba lenzuzo yenyanga:
[ Rendimento \, Mensal = R\$ 37.000.000 \times 0,005 ]
[ Rendimento \, Mensal = R\$ 185.000 ]
Oku kuthetha ukuba, ekupheleni kwenyanga, ibhaso le-R$ 37 yezigidi elifakwe kwiakhawunti yokonga beliza kuvelisa ingeniso ye-R$ 185 lamawaka.
Iyonke yoNyaka
Nangona ingeniso yenyanga sele ibonakala inomtsalane kakhulu, impembelelo iba nkulu ngakumbi xa siqwalasela iyonke eqokelelwe kunyaka wonke. Ukubala ingeniso yonyaka, kufuneka siphindaphinde ingeniso yenyanga ngo-12.
[ Ingeniso \, Yonyaka = R\$ 185.000 \times 12 ]
[ Ingeniso \, Yonyaka = R\$ 2.220.000 ]
Ngoko ke, kwisithuba sonyaka, idiphozithi ye-R$ 37 yezigidi kwiakhawunti yokonga ibiza kuvelisa i-R$ 2,22 yezigidi, nto leyo eyaneleyo ukubonelela ngengeniso ekhululekileyo kakhulu.
Mega-Sena: Uthelekiso nezinye iiMali-mali
Nangona ingeniso yeakhawunti yokonga iqinisekisiwe kwaye ingenabungozi bubalulekileyo, iphantsi xa ithelekiswa nezinye iintlobo zotyalo-mali.
Umzekelo, utyalo-mali kwiibhondi zeTesouro Direto, kwii-CDBs (Izatifikethi zeDiphozithi yeBhanki), okanye nakwiingxowa-mali zotyalo-mali, ngokubanzi lubonelela ngembuyekezo ephezulu, nangona luhamba nemingcipheko emikhulu.
Iakhawunti yokonga xa ithelekiswa ne-Inflation
Enye ingongoma ebalulekileyo ekufuneka iqwalaselwe yi ukunyuka kwamaxabiso. Ukuba i-inflation yonyaka idlula ingeniso yeakhawunti yokonga, iya kunciphisa amandla okuthenga kwengeniso.
Kwiminyaka yakutshanje, ukunyuka kwamaxabiso eBrazil kuye kwahluka, kodwa kukho amaxesha apho kudlula inzuzo yogcino-mali, nto leyo enokubangela ilahleko yokwenene yamandla okuthenga.
Izibhengezo
Mega-Sena: ugcino-mali
Ukufaka ibhaso le-R$ 37 yezigidi le-Mega-Sena kugcino-mali lukhetho olukhuselekileyo nolusebenzayo, ngakumbi kwabo bangafuni ukukhathazeka ngemingcipheko okanye ubunzima bolunye utyalo-mali.
Nangona kunjalo, kubalulekile ukuvavanya imeko yezoqoqosho nokuthathela ingqalelo ezinye iindlela zotyalo-mali ezinokunika izivuno eziphezulu, zigcine kwaye mhlawumbi zandise amandla okuthenga ekuhambeni kwexesha.
Nokuba sithini na isigqibo, kubalulekile ukufumana isikhokelo esihle sezemali. Ngale ndlela, uqinisekisa ukuba le mali iya kulawulwa kakuhle kwaye ibe negalelo kwikamva lezemali eliqinileyo nelinoxolo.
Umfanekiso: Ukuveliswa kwakhona/I-Intanethi.
