Izinkokhelo umahluko izinzuzo zabo.

Igama elithi "mortgage" ezinsukwini yethu ajwayelekile kuwo wonke umuntu. Othile lapho ngcono izindlu, abangane kothile noma izihlobo ube indawo futhi manje ukukhokha ezishisiwe ezinkulu njalo ngenyanga.

Uma uhlela ukuthenga impahla kanye lolu hlobo loan, cishe ngaphambi kwesikhathi isinqumo okuyinto, noma izinkokhelo annuity ukuba umahluko pay.

Ake sicabangele lokho izinkokhelo, iziphi futhi yiziphi izinzuzo.

inkokhelo umahluko - uhlobo lokukhokha loan, lapho ingxenye enkulu yomsebenzi isikweletu esikhokhwa alinganayo, futhi isithakazelo kuyoba okhokhwayo okusele.

Annuity izinkokhelo - okufanayo uhlobo lokukhokha loan lapho kokubili oyinhloko yokuthakaselwayo esikhokhwa alinganayo.

Yiziphi izinzuzo elilodwa phezu nezinye izinkokhelo ngokombono we ongelutho?

Esimweni sokuqala inzalo ibalwa ingxenye esele, futhi njengoba lehla-ke amacala ngokuhamba kwesikhathi ngeke sincipha isibalo sawo. Kuye isikhathi, inani izinkokhelo zenyanga kungancipha kabili njengoba kuqhathaniswa yasekuqaleni.

A plus ocacile ukuthi ngokuhamba kwesikhathi, izinkokhelo ziyancipha. Mortgage ukuthatha iminyaka 10-25, futhi phakathi nalesi sikhathi inhlalakahle umndeni kungalululaza kakhulu ukuxoshwa omunye abashadayo, nokugula okuthatha isikhathi eside, ukubukeka ingane ekuqaleni bengahlosile. Ngenxa yalezi nezinye izizathu, umndeni kuyoba nzima kakhulu ngokwezimali ukunikeza isizumbulu njalo ngenyanga. ukunciphisa njalo izinkokhelo, okunikeza izinkokhelo umahluko, kuyoba usizo olukhulu.

Yiqiniso, zikhona kusimo abalulekile. Njengoba inani izikweletu nentshisekelo kungaphezulu azizange zishintshe, futhi, akazange kukhanselwe, lokhu kuncipha izinkokhelo sekwephuzile kufinyelelwa ngenxa ukwandisa kwasekuqaleni. Ukuqhathanisa kubhadalwa kwemali yemphesheni umahluko, kungashiwo ukuthi izinkokhelo umahluko Eminyakeni yokuqala kuyoba okuningi ephakeme. Akuwona wonke umkhaya onamandla okukhokhela izindleko ezinkulu ngokwezimali. Ngakho, amabhange amancane okuthi ukunikeza "elihle" abatshelekayo nale yokukhokhelana. Ngakolunye uhlangothi, uma sicabanga ukuthi lonke inani ukuthi lo muntu obolekayo uyonika ibhange, kanye nenzalo - okuthile nalo izinkokhelo umahluko ngokuvamile ezincane.

Ngo-annuity zako - izinkokhelo zenyanga musa ziyashintsha ngokuhamba kwesikhathi ukuze ukwazi ukuhlela isabelomali sakho ukuza iminyaka eminingi. Ngaphezu kwalokho, inkokhelo yokuqala akusilo eliphezulu kangaka.

Kodwa ngakolunye uhlangothi, uma ukunotha umndeni uguqulwe ube mubi kakhulu, isikweletu kuyodingeka bakhokhe kunzima kakhulu.

Enye kusimo okuphawulekayo ukuthi ngale ndlela mortgage akuyona inzuzo ukuvala ekuseni. Cha, okuzuzisayo noma kunjalo. Kodwa iqiniso liwukuthi ukuthi ekuqaleni (eminyakeni yokuqala), iningi izinkokhelo bakha inzalo loan. Ngokuhamba kwesikhathi, omningi walo izikweletu futhi isithakazelo ahambelana, futhi eminyakeni yamuva nje, lo muntu obolekayo okhokhela ingxenye enkulu lesi sikwelede. Lokho kusho ukuthi, ngokuvala bengatshelekwa ekuseni, umndeni uzokhokha hhayi kuphela wonke izikweletu, kodwa futhi ingxenye enkulu isithakazelo.

Uma phambi usalindeni mortgages, izinkokhelo umahluko ingabalwa kanje:

(Loan Inani * ngokuba nyangazonke senzalo * sikhathi (ngo-izinyanga) ngoba elikhiphe credit +1) / 2 = izinkokhelo intshisekelo ngenyanga.

Isikweletu / isikhathi elikhiphe credit (e izinyanga) = ukubaluleka uthishanhloko, okumele ikhokhwe nyangazonke.

Nokho, ngesandla ukubala imali nyanga zonke akudingekile. amabhange Iningi emakhasini azo yokubala inthanethi ezikuvumela oyi-ukubala annuity nezinkokhelo umahluko. Kwanele ukhethe eside loan, inani inkokhelo phansi, lenzalo. Mortgage wokubala sinquma inani ngokweqile uqobo futhi imali nyangazonke.