ekibalirizi ky’ebbanja

Laga omuwendo n’ekiseera ky’ebbanja, amagoba n’ekika ky’okusasula.
Omubalirizi w’ebitabo ajja kubala omuwendo gw’ensimbi ezisasulwa, ebbanja n’omuwendo gw’ebbanja.

Abantu beeyongera okukozesa empeereza y’okuwola okugula ebintu ebinene. Bbanka n’ebibiina ebitali bya bbanka biwa looni ku bukwakkulizo obw’enjawulo. Bw’oba weewola ssente ennene okugeza okugula omuzigo, emmotoka, looni okuzimba ennyumba oba okukulaakulanya bizinensi yo, kikulu okumanya nti looni eno ejja kuba mu buyinza bwo. Okukakasa mu kulonda pulogulaamu y’okuwola ssente entongole, tukuwa amagezi okozese ekyuma kyaffe ekibalirira looni. Yingiza mu bifo ebituufu omuwendo gw’ebbanja, ekiseera ky’okusasula looni mu myezi n’amagoba, era olage ekika ky’okusasula - annuity oba differentiated, era osobola okuzuula ekitundu ki eky’okusasula looni ekigenda okusasula ebbanja, era ekitundu ki ekigenda okusasula amagoba ku looni, bbalansi ebbanja lyayo okusinziira ku myezi, ssente ezisukkiridde, buli mwezi n’ekisanja kyonna eky’ebbanja, n’amagoba amatuufu ku looni.

Ensasula ey’enjawulo

Nga tulina enkola ey’enjawulo ey’okusasula looni, omuwendo gw’ebbanja gugabanyizibwamu emigabo egyenkanankana. Emigabo gino gye gikola ekitundu ekinene ku ssente ezisasulwa buli mwezi. Ebisigadde amagoba ku bbalansi y’ebbanja eritasasuddwa. Bwe kityo, omwezi ku mwezi, omuwendo gw’ensimbi ezisasulwa gukendeera.
Enkola eno ey’okusasula looni erina ebizibu.
Ekikulu kiri nti looni erimu enkola eno ey’okusasula amabanja kizibu okugifuna.
Bbanka erina okubala ssente ezisinga obunene ze yeewola okusinziira ku oba oyo eyeewoze asobola okusasula ebitundu ebisooka. Kino kitegeeza nti okusobola okufuna looni ng’eyo, olina okuba n’ensimbi ennyingi ennyo. Mu mbeera ezimu, omusingo, okwenyigira kw’abawanika oba abeewola awamu kiyinza okuyamba.
Ekirala ekizibu kiri nti ekitundu ekisooka eky’ekiseera ky’okusasula kizibu nnyo naddala eri eyeewoze. Bwe tuba twogera ku looni ennene, kino kiyinza okufuuka omugugu omuzito eri oyo eyeewoze. Naye mu biseera eby’omu maaso, obuzibu buno buyinza okufuuka empisa ennungi. Ebbeeyi y’ebintu n’amagoba okukendeera bifuula okusasula obutazitowa nnyo.

Okusasula ssente za buli mwaka

Nga tulina enkola ya annuity ey’okusasula ebbanja ku looni, si muwendo gwa bbanja gwokka gwe gugabanyizibwamu ebitundu ebyenkanankana, wabula n’amagoba ku lyo mu kiseera kyonna eky’ebbanja. Bwe kityo, eyeewoze asasula ebitundu ebyenkanankana mu kiseera kyonna eky’okusasula. Leero, enkola eno ey’okusasula ekozesebwa bbanka z’ebyobusuubuzi ezisinga obungi. Ekikulu ekizibu ekiri mu kusasula buli mwaka kwe kuba nti omuwendo gw’okusasula okusukkiridde ku looni gujja kuba mungi okusinga ku nkola ey’enjawulo. Okugatta ku ekyo, enkola y’okusasula ssente buli mwaka ekitwala nti mu kitundu ekisooka eky’ekisanja ky’ebbanja osinga kusasula magoba ku looni. Omuwendo omukulu ogw’ebbanja ery’ekiseera kino kumpi tegukwatibwako.

Mu bufunzi

Bw’oba oyagala okwewola ssente ennyingi ate nga toteekateeka kuzisasula nga bukyali, looni eriko enkola y’okusasula buli mwaka ejja kukukwatako.
Mu mbeera endala naddala bwe kituuka ku kuwola ssente okumala ebbanga eddene, kirungi okulonda bbanka ewola ssente ezisasulwa mu ngeri ey’enjawulo.