Kanjani ukubala inzalo elula?

Amaphesenti - ingxenye wokuhamba inombolo. Ukusebenzisa it, ungakwazi ukubala inani bonke osayizi. Isithakazelo Simple - lena lemali ukuthi kukhona ekupheleni kwesikhathi enkokhelo ukuhlinzekwa imalimboleko yokuqala. Ubizwa kuvame kakhulu ukuba kusetshenziswe sokubalwa lemali ekhishwe ukutshalwa Accreted noma sokubolekwayo. Bank imali kufanele "ukusebenza" futhi ulethe imali yomuntu obolekisayo. Lapho likhipha isithakazelo loan kubonakala - lokhu izindleko ibalwa izibalo ukuba wathola elungiselelweni imalimboleko. Uma engenayo abangu kuphela esikhishwe lemali, ibizwa ngokuthi elula iphesenti. Bala kungaba, nge izinkomba ezintathu:

1. Inani Ngaboleka imali noma etshaliwe.
2. Izinga lenzalo yemali mboleko - izinga okudingekayo ukuze ukubala inani isithakazelo. Kuyinto Isivumelwano phakathi umbolekisi kanye umboleki. Lubonakaliswa njengoba amaphesenti ngesimo amafraktjhini abavamile noma ledesimali.
3. Isikhathi esibekiwe - yinkathi kumelwe abuyisele.

Kukhula isikhathi loan unikezwa, aba maningi isithakazelo yomuntu obolekisayo. isikhawu emgomeni isikhathi kwemali avame unyaka wekhalenda. Ngakho-ke, i-akhawunti elula zenzuzo ngemva kwalesi sikhathi emalini wathola kanye, kuye ngokuthi inani lenzalo.

Leli cebo izitshela ukuthi base lapho kukhona icala, kuyoba zinjalo. Ake udumo kuthathwe (noma utshalomali) kuyoba ulingana P, inani lenzalo - r. Cash esikweletini ezithathwe nesimo isithakazelo elula, uma inhlokodolobha umbolekisi kwandisa unyaka inani IzA. Futhi emva kweminyaka n ke uzokwazi ukuthola inani Sn: Sn = P + IzA + ... + IzA = P (1 + NR).

Ngamanye amazwi, uma uthatha ebhange imali in inani ruble ayizigidi 10 ngoba amaphesenti elula, isibonelo 10% ke ekupheleni konyaka ukuthi bakhokhe ama-ruble ayizigidi 11.

Sn = 10000 + 10000 x 10% = 11000 deda.

Eminyakeni emibili kamuva, leli nani ama-ruble ayizigidi ezingu-12, futhi ngemva kweminyaka emithathu - ruble ayizigidi 13.

Njengoba ifomula yakhiwa eziguquguqukayo ezine, kungenzeka ukuxazulula izinhlobo ezine izinkinga. Okokuqala - lena ukuzimisela ngqo inani enqwabelene futhi ezintathu reverse ibhizinisi: inani lotshalo mali, lenzalo nesikhathi loan. Lokhu kubalwa ilungile uma isikhathi ngesikweletu elilingana unyaka. Khona-ke, kule formula kusho ukuthi isilinganiso senzalo ilingana:

r = S / P - 1 / n.

Uma sifuna ukuba abale ezinyangeni isithakazelo elula, ifomula kuyodingeka ukubukeka. Ake sithi isikhawu unikezwa izinyanga 3, bese r = S / P - 1:

R3 / 12 = P + IzA / (12 x 3).

Bala iphesenti lemali isikhathi esithile ilula, kusetshenziswa indlela ezithakazelisayo elula. Ukuze kube lula kathisha uguqule izinga ledesimali. Ngenxa yaleso inani layo lihlukaniswe by 100 (r / 100).

I izinkontileka yasebhange eshiwo senzalo, okuyinto lihlelwe isikhathi unyaka owodwa. Nayo ungakwazi ukunquma inani engenayo. Uma leli nani ihlukaniswe ngenani lezinsuku ngonyaka, kungenzeka ukunquma inani isithakazelo ngosuku. Inani inzalo nsuku zonke iphindwe kwesikhathi edingekayo, ukusinika imali leyo nkathi ezimali.

Ngokwesibonelo, inani kokuqala credit S - ruble ayizigidi 200 .. Isilinganiso senzalo - 14.5%. Isikhathi sokukhokha selunenyanga (noma izinsuku ezingu-31). Inhloso: Ukuze abale lemali edingekile ukuze kukhokhelwe isikweletu. isixazululo:

200 x 14.5 / 100 x 31/365 = 2,463 ayizinkulungwane. Deda.