Kanjani ukubala inzalo loan

Abantu abaningi kuyaye kamuva baphendukele udumo, ngoba kuba lula kakhulu ukuboleka imali ngenzalo, ubuza isamba esikhulu nabangane nabantu obajwayele ezikweletini. Ekuphileni kwethu, ngezinye izikhathi izinto zenzeke, ulungiselela ukuthi kusengaphambili kunzima, futhi washiyela izinto "ilanga lina" imali akwanele. Ukuba ufunde horror izindaba nasemaphephandabeni, lapho amabhange isikweleti rob ifulethi, imoto kanye ihembe, abantu abaningi zama ukulungiselela kusengaphambili lohambo ebhange. Ngemva kokufunda yonke imininingwane imalimboleko ebhange, ungazama ngokwakho ukuze uphendule lo mbuzo "kanjani ukubala inzalo loan," futhi ukuthola usayizi overpayments esizayo.

Cishe zonke amabhange manje ukukhipha ukubolekisa lapho izinkokhelo ngenyanga annuity, okungukuthi, ishejuli yenkokhelo ayishintshi lemali. Noma yikuphi ukukhokha siqukethe uthishanhloko kanye nesithakazelo imalimboleko (uma azikho izimali ezengeziwe nyangazonke). Ekuqaleni inkokhelo inani izinkokhelo zenyanga amaphesenti ephakeme ka, bese-ke kancane kancane lehla, futhi ukukhokhelwa uthishanhloko, ngokulandelana, iyakhula. Ngezinye izikhathi ukusebenzisa izinkokhelo umahluko kanye kubhadalwa kwemali yemphesheni lapho inani izinkokhelo zenyanga kancane kancane. Ngakho, indlela ukubala amaphesenti.

Kanjani ukubala inzalo loan.

Ngamunye annuity inkokhelo iyadingeka ukuze babe annuity isici, bonke eminye loan imingcele encike kuyo. Ifomula elandelayo isetshenziselwa ukubala Coefficient:

AK = KP * (1 + CP) N / ((1 + CP) N-1)
AK - annuity Coefficient;
KP - Izinga lenzalo

N - inkathi enkokhelweni loan e izinyanga

KP isici noma senzalo ingabalwa by ifomula:

KP = SS / 1200 lapho PS - lena yonyaka lenzalo ibhange ikhangiswe.

Manje-ke kulula ukubala inani ukuthi uzodinga ukukhokhela ibhange nyanga zonke.

Nyanga zonke yokukhokha = Annuity isici * I isamba semalimboleko.

Manje ake ukubala isamba ezikweletini, okungukuthi, inani ukuthi kuyodingeka bakhokhe ibhange lonke elithi loan.

Izindleko egcwele elithi loan izinyanga = * inkokhelo yanyanga zonke kwi loan.

Manje, uma siye wazibuza ukuthi ukubala inzalo loan, ukubala inani ngokweqile ku yemali ebolekwayo:

Ukukhokha okweqile ku loan = izinkokhelo Ubude ku loan - Inani imalimboleko

Manje wena kalula ukuhlela ibhajethi yakho nomkhaya kanye nezindleko imalimboleko, ngoba une manje akuyona imfihlo, indlela ukubala amaphesenti.

I isilinganiso senzalo esisebenzayo.

Ngithanda ukubalula iphuzu esisodwa esibalulekile. Kufanele kube sobala kulokho ayecabanga ngabo lapho engabaza bazama ukuqonda ukuthi ukubala inzalo loan. Ngaphezu yonyaka lenzalo ebhange ungakwazi amemezele isilinganiso senzalo esisebenzayo. Lokhu kulinganisela kuhlanganisa zonke ezinye overpayments ku loan plus yonyaka lenzalo. Lokhu kulinganisela lisondele kakhulu ngokoqobo ngaphandle evamile yonyaka lenzalo ku loan.

Manje amagama ambalwa mayelana iphesenti yonyaka. Kunezinto ezifana isithakazelo lecondzile nemisho lemagalagala. isithakazelo Compound ibalwa njalo ngosuku ngaphezu inani ukongezwa kanye ukubala esidlule. isithakazelo Simple ibalwa kwinani yasekuqaleni. Ngakho isithakazelo yonyaka - isithakazelo kwakwakhe, futhi kuyinto engenakwenzeka ukuba abale, uma sithatha imali yokuqala imalimboleko. Kungani singavele? Inzalo enqwabelene ngenyanga esele esikweletini esiyinhloko, hhayi lonke inani, futhi ibalwa ngokuvumelana nesimiso of zimali.

Unganqikazi ukucela nesimiso yokukhokha isampula ebhange bese uqhathanisa isamba ngokweqile kulowo waphenduka wena. Futhi ungakhohlwa ukubala inani lemali imali ngaphandle kwenzalo ukuze ungeze ku zonke izamba ikhomishini futhi umshwalense okuyinto ibhange ngokuqinisekile uthathele nawe.