WEBVTT FILE

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Kia Ora[salom] va Yangi Zelansiyaning
Rezerv Bankiga xush kelibsiz

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Kia Ora [salom]! Murakkab foiz stavkasi
to'g'risidagi Yangi Zelansiyaning

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Rezerv Banki podcastiga xush kelibsiz.

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Murakkab foiz stavkasi juda
kuchli moliyaviy tushuncha,

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lekin uning qanday amal qilishini
hamma ham tushunmaydi.

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Sodda qilib aytganda,

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u foiz ustiga foiz olishingizni bildiradi.

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Qyidagi misolga qaraylik:

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Jak va Kiri «qora kunga»
pul jamg'armoqchi.

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Ular pulni
birinchi uylari uchun,

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chet elda ekzotik ta'til uchun yoki

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nafaqalari uchun jamg'arishlari mumkin.

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Kiri – rejalashtiruvchi,

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u yilida 5% to'laydigan
jamg‘arma hisob raqamiga

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1000 dollar qo'yishga
qaror qiladi.

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Kirining jamg'arma hisobida
bo'ladigan o'zgarishlarni qarab chiqaylik.

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Birinchi yil Kirining 1000 dollarlik jamg'armasi
foiz hisobidan 50 dollarga ko'payadi.

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Demak, yilning oxirigacha unda
1050 dollar bo'ladi.

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Kiri ikkinchi yilda ham foiz oladi,

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lekin endi u hisobida
1050 dollar bilan boshlaydi,

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ya'ni u to'liq 1050 dollardan
foiz oladi.

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Ya'ni, boshlang'ich foiz qo'shiladi

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va u ikkinchi yilda
52.50 dollar ishlaydi.

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Boshida murakkab foiz stavkasining manfaati

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uncha katta ko'rinmasligi mumkin,



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ammo vaqt o'tishi bilan bu katta
o'zgarishga olib kelishini ko'rasiz.

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Kiri pulini har yili
hisob raqamida qoldiradi

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va u foiz ishlashni davom etadi.



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Qirq yildan keyin
jamg‘arma hisob raqamida

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7000 dollardan ko'p miqdor bo'ladi

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va uning katta qismi foiz ustiga
foiz hisobidan ko'paygan bo'ladi.

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Jak Kiridek rejalashtirmaydi

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va unda boshqacha fikrlar bor.

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U Kiridek yilida 5 foiz to'laydigan

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hisob raqamiga 1000 dollar
qo'yish bilan boshlaydi.

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Ammo Kiridan farqli o'laroq, Jak
har yili ishlagan foizini sarflaydi.

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Qirq yildan so'ng Jakning jamg‘arma hisob
raqamida hali ham o'sha 1000 dollar bo'ladi.

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Uning boshlang'ich depositi vaqt
davomida foiz ishlagan,

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biroq Kiridan farqli o'laroq,

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u har yili foiz ustiga foiz
yig'ilishidan manfaat ko'rmagan.

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Mana shu murakkab foiz stavkasining
manfaati bo'ladi –

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foizni qanchalik uzoq sarflamasangiz,

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manfaatingiz shuncha ko'payadi.

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Vaqt o'tishi bilan
manfaatlaringiz tezroq oshadi.

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Albatta, agar Kiri bilan Jak
hisob raqamlariga

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doimiy ravishda ko'proq
pul qo'yishsa,

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yanada kattaroq miqdordan murakkab
foiz stavkasi hisoblanadi.

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Unutmang, murakkab foiz stavkasi
qarzlarga ham tegishli

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va albatta yaxshi tomonlama emas.

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Qarzning foizini qancha
uzoq to'lamasangiz,

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shuncha ko'p foiz yig'iladi
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va qarzingizning yuki oshib boradi.



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Yana bir takrorlaylik:

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murakkab foiz stavkasi jamg'armangizga
super zaryadga o'xshaydi,

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chunki u nafaqat siz deposit
qilgan miqdorga,

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balki foizingiz ustiga ham
foiz hisoblaydi.

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Qanchalik uzoq vaqt davomida jamg'arsangiz,

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murakkab foiz stavkasidan
shunchalik ko'p manfaat olasiz.