Indlela ukubala inzala kwimali mboleko

Abantu abaninzi baya kungekudala ukuya ngetyala, kuba kulula ukuboleka imali ngenxa yenzala, ucela imali elininzi nabahlobo kunye abazana usematyaleni. Ebomini bethu, ngamanye amaxesha izinto ziyenzeka, ukulungiselela ukuba kwangaphambili kunzima, kwaye zithunyelwa imali "mini ngemvula" akwanelanga. Ukuba ufunde amabali kukududuzela kumaphephandaba, xa iibhanki ukuba ityala rob indawo yokuhlala, imoto kunye ihempe, abantu abaninzi bazama ukulungiselela kwangaphambili ukuba uhambo ukuya elunxwemeni. Emva kokufunda zonke iinkcukacha-mboleko ebhankini, uyakwazi wena uzame ukuphendula umbuzo othi "ukubala indlela inzala ngemali-mboleko," uze ufumanise ubungakanani ezigqithisileyo elizayo.

Phantse zonke iibhanki ngoku akhuphe mboleko apho iintlawulo ngenyanga na ngonyaka, oko kukuthi, ishedyuli sentlawulo ayitshintshi imali. Nayiphi na intlawulo yenziwa inqununu kunye nomdla kwi-mboleko (ukuba akukho ntlawulo zongezelelweyo ngenyanga). Ekuqaleni zentlawulo-mali iintlawulo zenyanga ekhulwini ephakamileyo, yaye emva koko ngokuthe ngcembe unciphisa, kunye nentlawulo inqununu, ngokulandelelana, ukunyuka. isicelo Ngamanye amaxesha iintlawulo enomahluko kunye neentlawulo annuity xa imali iintlawulo zenyanga ebegqwese lifinyele. Ngoko ke, indlela ukubala ngokweepesenti.

Indlela ukubala inzala kwimali-mboleko.

Nganye annuity intlawulo kufuneka ukuba babe yinto ngonyaka, zonke iparameters ezinye mboleko zixhomekeke kuyo. Le fomyula ilandelayo isetyenziselwa ukubala inani elikhoyo:

AK = P. * (1 + CP) N / ((1 + CP) N-1)
AK - annuity lomlingani;
P. - izinga lenzala

N - ixesha lokuhlawula imali-mboleko kwiinyanga

P. factor okanye izinga lenzala na kubalwa ifomula:

P. = SS / 1200 apho PS - oku ngonyaka umyinge wenzala ukuba ibhanki zipapashwe.

Ngoku kulula ukubala isixa kuya kufuneka ukuba uhlawule ibhanki nyanga zonke.

intlawulo yenyanga = Annuity factor * Le mali-mboleko.

Ngoku makhe ukubala isamba ematyaleni, oko kukuthi, imali kuya kufuneka uhlawule ibhanki ukuze lonke ixesha mboleko.

Iindleko ezipheleleyo yekota mboleko kwiinyanga = * intlawulo yenyanga kwi-mboleko.

Ngoku, xa wazibuza ukuba ukubala indlela inzala ngemali-mboleko, ukubala ubungakanani egqithisileyo ngemali-mboleko:

Egqithisileyo kwi mboleko = Itotali iintlawulo kwi-mboleko - Isixa-mboleko

Ngoku ngokulula ukucwangcisa ibhajethi yakho usapho kunye nenkcitho ye-mboleko, ekubeni ngoku akukho mfihlakalo, ukuze ubale njani ngokweepesenti.

I esebenzayo wenzala.

Ndingathanda ukukhankanya ingongoma enye ebalulekileyo. Kufuneka sicacise oko onazo engqondweni xa uzama ukuqonda ukuba ukubala njani inzala kwimali-mboleko. Ukongeza yonyaka umyinge wenzala ebhankini uyakwazi kubhengeza olusebenzayo izinga lenzala. Le rate kuquka zonke ezinye iintlawulo ezigqithisileyo phezu mboleko kunye zonyaka izinga lenzala. Le rate lisondele kakhulu yokwenene ngaphezu eziqhelekileyo zonyaka umyinge wenzala kwi-mboleko.

Ngoku amagama ambalwa malunga ipesenti ngonyaka. Kukho izinto ezifana umdla ezilula nezixandileyo. inzala ephindeneyo ihlawuliswa kuyo yonke imali ukwandiswa ngetyala kunye ukubala elidlulileyo. Simple inzala ibalwa kwisixa yokuqala. Ngoko ke inzala ngonyaka - yi umdla compound, kwaye akunakwenzeka ukuba ukubala, ukuba singathatha mali yokuqala ye-mboleko. Kutheni singenako? Inzala ethe nyanga nganye ukuze intsalela yetyala inqununu, kwaye sonke isixa esifunekayo, kwaye ebalwa ngokomgaqo siseko annuities.

Musa ukuthandabuza ukuba ukucela ukuba ishedyuli sentlawulo bank isampula uze uthelekise isixa overpayment ukuya lowo wajika wena. Kwaye musa ukulibala ukuba mazibale imali mboleko iyonke ukongeza kuzo zonke izixa yeMisebenzi kunye inshorensi leyo ngokuqinisekileyo uya kuthabatha ibhanki kunye nawe.