Nenzala. lokuhlawulwa kwenzala Fixed. imali-mboleko yenyanga

Xa kukho imfuneko yokuba akhuphe mboleko, into yokuqala utsalela ingqalelo umsebenzisi - ukuba umyinge wenzala okanye, ngendlela elula, ipesenteji. Kwaye apha badla senze ukhetho olunzima, ngenxa yokuba iibhanki kaninzi zinika kuphela kwenzala ezahlukeneyo, kodwa ngendlela eyahlukileyo buyiselo.

Rates kunye neentlawulo - nto bayiyo

Kukho iindidi eziliqela kunye neentlobo rates uboleka, kwahluka kakhulu enye kwenye. Umntu ongafanelekanga azinikele nezo amaziko zemali kunzima kakhulu ukuqonda lo mbuzo. Kunjalo, ngokuzimeleyo ukubala intlawulo mboleko kunye overpayment, uze ukhethe uhlobo kakhulu eyamkelekileyo buyiselo ayikho nzima kangaka. Kakade ke, iibhanki ezininzi zifundisa ukuba ukuthatha uncedo wokubala mboleko, kodwa kubaluleke ngakumbi umdla ukuhlola ngokwabo.

Ukuze uqalise kukuba ukwazi ukuba amazinga enzala ezincanyathiselwe okanye umahluko. Le ukhetho lokuqala ekuqaleni kuchaziwe kwisivumelwano yaye akatshintshi de ekupheleni kwexesha layo, kwaye eyesibini lubandakanya utshintsho ngamaxesha athile xa umyinge wenzala kuxhomekeka imiba eyahlukeneyo.

Iintlawulo Inzala ibalwa ngokuzimeleyo uhlobo bume kunzima, ekubeni kuyimfuneko ukuthathela ingqalelo imiba emininzi kakhulu, ngoko ke uya kuhlala phezu ipesenti rhoqo.

annuity

Ngoko wabiza imali efanayo sentlawulo yenyanga ukuba isivumelwano yokubolekisa. Le yenye yezona idumile iindlela umhla imbuyiselo - ngenxa kubaboleki ezininzi, kulula ukwenza iintlawulo zenyanga ezilinganayo. Oku kukuvumela ukuba ucwangcise imali yentsapho ngokuchanekileyo, kuthathelwa ingqalelo iintlawulo mboleko akhawunti.

Iintlawulo Inzala uhlobo annuity ziquka amacandelo amabini:

• imali engena intlawulo umdla ngokwabo;
• kuthetha ukuya ukuyibuyisa le mali uyibolekiweyo.

Emva kwexesha elithile, umlinganiselo kula macandelo kuxhaphaka itshintsha - icandelo umdla liyancipha, kwaye isixa ngqo imbuyiselo lwenqununu, kwandisa. Imali iyonke sentlawulo, Noko ke, kuhlala ingatshintshanga.

Ngoko ke, iintlawulo annuity kubangela egqithisileyo lilikhulu kancinci jikelele. Oku kungenxa yokuba ekuqaleni isixa inqununu kunciphisa kancinane, kunye nenzala ihlawuliswa kuyo yonke imali eseleyo. Ngoko ke, isabelo ephambili umdla ihlawulwe ekuqaleni. Kwaye ke kukho intlawulo yenqununu-mboleko, nto leyo oqaphelekayo ingakumbi xa uzama yombane.

Umzekelo yokubala

Mandithathe kaThixo umzekelo, ukubala iintlawulo inzala rhoqo ngenyanga kwi-mboleko kwi-mali ka-600 lamawaka. Engange iminyaka emi-3 kwi-24% ngonyaka. Okokuqala kufuneka ukubala umyinge wenzala kwi-mboleko ngenyanga (n) apho yonyaka umyinge wenzala lahlulwe ngenani lenyanga enyakeni (isiphumo, kakade, sahlule ngo-100, njengepesenti):

N = 24: 12: 100 = 0.02%

Ngoku ukubala i lomlingani annuity (A):

A = P x (1 + n) N: ((n + 1) N-1)

P - rate% ngenyanga nganye (xa hundredths).

N - inani lamathuba lokuvuthwa (zingaphi iinyanga ngetyala sithathwa).

A = 0,02 x (1 + 0,02) 36: ((1 + 0,02) 36 - 1) = 0.02056

Okulandelayo, sidinga Ngokwefomyula yokubala intlawulo annuity:

M = K x A

K - isixa-mboleko.

A - annuity ingumlingani.

M = 600,000 x 0.02056 = 12,336 engange.

Ngoko ke, ukuba ufuna ukuthatha ngetyala kwiimeko ecetywayo, ngoko ke kuya kufuneka ukuba uhlawule iinyanga-36 ukuya ku-12 amawaka. 336 p.

kwemali advanced

Nangona yokuba kulo mzekelo, ishedyuli iintlawulo kwi-mboleko uzinzile nezichanekileyo exelwe kwindalo, kunye abathengi abaninzi ufuna ukufeza izibophelelo zabo ngokukhawuleza kangangoko kunokwenzeka. Ibiya kuthetha ukuba amaziko zebhanki kufuneka kunjalo Samkela intlawulo ngaphambi ityala, kuba ngale ndlela umngcipheko elingagqibekanga yehla kakhulu,, xa kusenziwa njalo. Kwimeko intlawulo yokuqala ye-mboleko ebhankini ithe inxalenye imali etyalwa, ngoko yonke isivumelwano sentengo ubonelela oku kwenzeke, ukuze le ngongoma kufuneka uxoxe phambi kokusayina isivumelwano.

Ukutshintsha isicwangciso sentlawulo annuity kufuneka ukuba amazise umqeshwa kwiziko lamatyala nokwenza isixa semali ngaphezu intlawulo eqhelekileyo. umqeshwa yebhanki ngenxa yale shedyuli omtsha iza kuba kuwe, kubalulekile ukuba uthathe ingqalelo - ukubala lwenziwa ngendlela yokuba inciphise ezisisigxina umdla intlawulo, kunye nenani labo iya kuhlala injalo.

Inzuzo zentlawulo annuity

Bambi bacinga ukuba intlawulo intlawulo annuity neze inzuzo kodwa, kwezinye iimeko mhlawumbi umehluko ngcono. Ingakumbi xa kufuneka ukuba uhlawule inzala mortgage - iintlawulo kakuhle ixesha elide kunye eninzi imali. Izinto eziluncedo zisekuhleni kulo mzekelo:

• ufumane mboleko kunokwenzeka nkqu lunomvuzo omncinane;
• nangemali ezincinane ezinikelwe intlawulo ukunciphisa umthwalo imali yentsapho;
• ekuhambeni kwexesha, iindleko eziphezulu-mboleko ziviwa ngaphantsi ngenxa yokuba ukunyuka kwamaxabiso kuya kuthatha imithetho isiphumo.

intlawulo ngokwahlukeneyo

Akukho kancane eRashiya loo scheme lokuhlawula phantsi apho iintlawulo umdla ngokuthe ukunciphisa ekuyeni ekupheleni kwexesha mboleko. Loo nkqubo ibizwa ngokuba enomahluko yaye liquka iinxalenye ezimbini:

• fixed - mali ukuya ukuhlawula imali-mboleko;
• siyehla - inzala mboleko ethe eseleyo;

Ngenxa yokuba isixa-mali setyala kubuyekezwa kwindawo yokuqala, oku rhoqo iyaphela, yaye ngaloo ndlela zinciphe kunye nenzala. Ngoko ke, intlawulo yakho yenyanga kwi-mboleko iza kuba saba imali esisigxina yaye iya kuncitshiswa ukususela yentlawulo intlawulo.

Kubangel 'umdla ukwazi ukuba xa ukhetha isivumelwano semali-mboleko kunye neentlawulo ngokwahlukeneyo, izinga lenzala iya kuba kakhulu ephakamileyo, ngoko ke, kufuneka uqinisekise ingeniso yenyanga eyaneleyo ukuyibuyisa le mali uyibolekiweyo.

ukubala

Sichitha ixesha elincinane ukubala iintlawulo umdla ngokwahlukeneyo. Ifomula yokubala ngabo elula ngokwaneleyo.

P = K / N

P - intlawulo.

K - le mali-mboleko.

N - inani leenyanga.

Kwaye ukuze ubale ipesenti ukusebenzisa ifomula:

O% = x% T / 12

% - isixa umdla.

Malunga - eseleyo emva kokuhlawulwa kwamatyala.

D% - ngonyaka izinga lenzala.

Ukuze ufumane imali yentlawulo lokugqibela, dibanisa bonke kunye. Ngenxa yoko, ngokuphinda ezi zibalo amaxesha amaninzi kangangoko unako wena wenze ucwangciso nokuhlawulwa kwamatyala.

Njani ukuba ukwenza ukhetho engalunganga

Phambi kokuba ugqibezele lo umyalelo, yeyiphi ukukhetha ibhanki ukuba enze isivumelwano semali-mboleko exabisa zonke enye ekucaciseni le miba ngokwakho:

1. A sijongisise ngengqondo yengeniso yabo yenyanga. Xa ukubolekisa ngemali inkqubo enomahluko lebhanki lokuhlawula liya kuhlalutya ingeniso yakho, ekwafanekisa le zesixa sentlawulo yokuqala, kwaye kule meko komkhulu.
2. Cwangcisa amathuba ngentlawulelo ngaphambi - xa kubalwa iintlawulo annuity iyavakala kuphela ekuqaleni ixesha lokuhlawula, ekuyeni ekupheleni umdla esele ihlawulwe kwaye kuya kunciphisa umyinge elipheleleyo egqithisileyo ayiyi kuphumelela. Ngoko ke ukuba ngaba uceba ukuba uhlawule imali ngaphambi kwexesha - kungcono akhuphe intlawulo mboleko kunye ngendlela enomahluko.
3. Nandipha lula buyiselo. Xa lokubolekisa umthengi iimfuno zasekhaya uya ufuna kuthi ndlela-ntle ityala ngokukhawuleza, kodwa umdla mortgage ngokwahlukeneyo inokuba akuwenzi.

isiphelo

Ngoko ke, masikhe zishwankathela kwakhona. ndlela enomahluko eqhuba ngayo kuzo ukubuyisela kufuneka akhethe abo:

• Lenza lingaboleka imali kuba lifuna ixesha elide kwaye uceba ukuthatha isixa esikhulu;
• It uthandabuzayo malunga ixesha elide imeko ezinzileyo yezemali, kodwa ngexesha kuqhutywe mboleko kakhulu uqinisekile amakhono abo;
• Ufuna ukunciphisa isixa egqithisileyo kwi-mboleko;
• It uceba ukuhlawula ityala ngokukhawuleza kangangoko kunokwenzeka.

intlawulo umdla Fixed - ukukhetha ilungileyo:

• kubaboleki ezingakwaziyo ekuqaleni ukwenza izityhwentywe zemali;
• abathengi umvuzo wenyanga awuvumeli ixabiso ukwenza intlawulo yokuqala for credit kunye ishedyuli enomahluko;
• abantu abaye bathatha mboleko kancinci ngokufutshane;
• abathengi efuna ukucwangcisa i mali, sithembele isixa esiqingqiweyo sentlawulo mboleko.

Kamsinya nje ikunika ukhetho elunxwemeni ukuhlola zombini iinketho, sijongisise ngengqondo ephaphileyo ukuyenza ngenyameko. Buza abasebenzi bank efumaneka ukucacisa kuni, iya kubalwa ngayo iintlawulo elizayo. Unako kwakhona uprinte zombini iinketho kwaye ngenyameko sizihlole kwindawo ikhaya ekhululekile, bahlaziye elungileyo nengalunganga koko. Ngoko unokuqiniseka impilo yayo zemali.