Isithakazelo izinkokhelo. Okungaguquki isithakazelo yokukhokha. inkokhelo yanyanga zonke loan

Lapho kunesidingo ukukhipha loan, into yokuqala ukuthi kuqhakambisa umthengi - isithakazelo noma izinga, ngaphezulu nje, iphesenti. Futhi lapha siphakathi babhekana nesinqumo esinzima, ngoba amabhange ngokuvamile ukunikela hhayi kuphela ehlukene zenzalo, kodwa futhi ngendlela ehlukile buyiselo.

Amanani kanye izinkokhelo - ziyini

Kunezinhlobo eziningana futhi izinhlobo amazinga uboleka, ngokuphongoza nomunye. Umuntu hhayi anikezelwe butholakala enqubweni eyinkimbinkimbi of the izikhungo zezimali kunzima ngempela ukuqonda lo mbuzo. Noma kunjalo, ngokuzimela ukubala inkokhelo loan futhi ngokweqile, bese ukhetha okufana eyamukelekayo kakhulu buyiselo akunzima kangako. Yiqiniso, amabhange eziningi zinikeza ukuthatha ngosizo wokubala loan, kodwa kumnandi kakhulu ukuhlola bebodwa.

Ukuze uqalise kuyinto ukwazi ukuthi amazinga isithakazelo awashintsheki noma zamatshe. Inketho yokuqala ekuqaleni ebekiwe inkontileka futhi akashintshi kuze kuphele isikhathi, kanti eyesibili kuhilela ukuguqula ngezikhathi inani lenzalo kuncike ezicini ezihlukahlukene.

Isithakazelo izinkokhelo kubalwa ngokuzimela uhlobo variable kunzima, ngoba kubalulekile ukuba acabangele izici eziningi kakhulu, ngakho-ke ngeke ahlale phezu amaphesenti njalo.

annuity

Ngakho wabiza esilinganayo izimali ngenyanga sivumelwano obolekisayo. Lona omunye ethandwa kakhulu izindlela usuku buyiselo - I-ababoleka abaningi, kulula ukwenza imali nyanga zonke of usayizi alinganayo. Lokhu kukuvumela ukuba uhlele ibhajethi umndeni ngokunembile, kubhekelwa loan akhawunti izimali.

Isithakazelo izinkokhelo annuity uhlobo zihlanganisa izingxenye ezimbili:

• lemali engena ukukhokha inzalo ngokwabo;
• kusho uya sokukhokha imali ebolekiwe.

Ngemva kwesikhathi esithile, isilinganiso ncenye kancane kancane kokushintsha - ingxenye isithakazelo incipha, kanye nenani ziqondiswe ukubuyiswa kwemali of uthishanhloko, kwandisa. Nokho, Lonke inani inkokhelo, uhlala ingashintshiwe.

Ngakho, izinkokhelo annuity kubangele inkudlwana ngokweqile jikelele. Lokhu kungenxa yokuthi ekuqaleni inani oyinhloko incipha kancane, futhi isithakazelo ibalwa njalo ngosuku ngaphezu esele. Ngakho-ke, i-share eyinhloko inzalo ekhokhiwe ekuqaleni. Bese kukhona sokukhokhwa uthishanhloko loan, okuyinto kwaphawuleka ngokukhethekile lapho uzama kusengaphambili.

Ngokwesibonelo ukubala

Asithathe isibonelo, ukubala nyangazonke isithakazelo ekukhokheleni loan inani ayizinkulungwane 600. Ruble iminyaka engu-3 ngesikhathi 24% ngonyaka. Okokuqala udinga ukubala intela yemali loan inyanga (n) okuyiwona yonyaka lenzalo ihlukaniswe ngenani izinyanga ngonyaka (umphumela Yiqiniso, hlukanisa imali yazo ngo-100, njengoba amaphesenti):

N = 24: 12: 100 = 0.02%

Manje sibona i Coefficient annuity (A):

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

P - Izinga% ngenyanga (e kumakhulukhulu).

N - inani lezinkathi ukuvuthwa (bangaki izinyanga udumo esithathwayo).

A = 0.02 x (1 + 0,02) 36: ((1 + 0,02) 36 - 1) = 0.02056

Ngokulandelayo, sidinga ifomula ukubala inkokhelo annuity:

M = K x A

K - inani imalimboleko.

A - annuity Coefficient.

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

Ngakho, uma ufuna ukuthatha ngesikweletu ngemibandela ezihlongozwayo, khona-ke kuyodingeka ukuthi bakhokhe izinyanga 36 kuya 12 eziyinkulungwane. 336 k.

ukubuyiswa kwemali eziphambili

Naphezu kweqiniso lokuthi kule ndaba, esimisweni ekukhokheleni loan wokuqagela ozinzile futhi olunembile ngokwemvelo, namakhasimende eziningi ungase uthande ukufeza izibopho zabo ngokushesha ngangokunokwenzeka. Kunengqondo ukuphetha ngokuthi amabhange Nokho kufanele ukwamukela senkokhelo kwanoma nesikweletu, ngoba ngale ndlela ingozi ezizenzakalelayo is kakhulu ziyancipha, practice akunjalo. Uma kwenzeka buyiselo zakuqala imalimboleko ebhange ilahlekelwa ingxenye lemali ukweletwa, ngakho-ke akuwona wonke isivumelwano sesikweletu sihlinzekela ukuthi lokhu kwenzeke, ukuze leli phuzu kufanele nixoxe ngaphambi kokusayina inkontileka.

Ukushintsha uhlelo annuity yokukhokha kudingeka azise umsebenzi lesikhungo credit nokwenza isizumbulu semali okweqa ukukhokhelwa evamile. umsebenzi ebhange ngesisekelo lesi uhlelo olusha kuyoba kuwe, kuyafaneleka ukuba acabangele - ukubala wenziwa ngendlela yokuthi encishisiwe engaguquki isithakazelo inkokhelo, futhi nenombolo yabo izohlala injalo.

Izinzuzo ukukhokhelwa impesheni

Abanye bangase bacabange ukuthi impesheni yokukhokha ukubuyiswa kwemali ngokuphelele hhayi inzuzo okwamanje, kwezinye izimo kungase kube umehluko kangcono. Ikakhulukazi uma kufanele ukhokhe inzalo emalini mortgage - izinkokhelo sasivumela isikhathi eside futhi eningi imali. Izinzuzo zisobala kulokhu:

• ukuthola imali-mboleko kungenzeka ngisho nge iholo eliphansi;
• tibalo ezincane ezinikelwa lokukhokha umthwalo e-ibhajethi umndeni;
• ngokuhamba kwesikhathi, izindleko aphezulu isikweletu wazizwa kancane ngoba emali kuzothatha imithetho umphumela.

inkokhelo umahluko

Ayikho ezingadumile kakhulu eRussia kanye ukubuyiswa kwemali uhlelo ezinjalo ngaphansi okuyinto izinkokhelo isithakazelo kancane kancane wehlise ngasekupheleni kwenkathi loan. uhlelo okunjalo kwezinkolo kubizwa ngokuthi i-umahluko futhi liqukethe izingxenye ezimbili:

• okungaguquki - lemali eya buyiselo imalimboleko;
• nokuncipha - isithakazelo loan enqwabelene ngokwemali esele eyibhalansi;

Ngenxa yokuthi inani izikweletu phindisela kwasekuqaleni, it is njalo nokuncipha, futhi ngaleyo ndlela unciphise futhi inzalo enqwabelene. Ngakho, inkokhelo yakho yanyanga zonke kwi loan ngeke zisaba nani futhi sizokuncitjhiswa kusukela inkokhelo ukuze lokukhokha.

Kungcono ukwazi ukuthi uma ukhetha nesivumelwano sokubolekwa imali kanye izinkokhelo umahluko, inani lenzalo kuyoba siphezulu futhi, ngakho-ke, kufanele uqinisekise Iholo ngenyanga eyanele sokukhokha imali ebolekiwe.

ukubala

Sichitha isikhathi esincane ukubala izinkokhelo isithakazelo umahluko. Ifomula kuhlaziywa kubo ilula ngokwanele.

P = K / N

P - lokukhokha.

K - inani loan.

N - izinyanga eziningana.

Futhi ukuze ukubala amaphesenti isicelo ifomula:

O% = x% T / 12

% - inani isithakazelo.

Mayelana - lonke izikweletu ezivelele.

D% - yaminyaka yonke senzalo.

Ukuze uthole lemali inkokhelo yokugcina, engeza konke ndawonye. Ngakho, ngokuphinda lezi izibalo kaningi ngokuthanda ungakwazi ngokwakho ukwenza isimiso isikweletu ukubuyiswa kwemali.

Kanjani ukuba wenze izinqumo ezinhle okungalungile

Ngaphambi ukuphothula oda, iyiphi ukukhetha yasebhange uphetha nesivumelwano sokubolekwa sikufanele konke okufanayo ukucacisa lezi zici ngokwakho:

1. Ukuhlolela nizithibe imali yabo nyangazonke. Lapho ukubolekisa ngemali uhlelo umahluko buyiselo yasebhange uzohlola imali yakho futhi oluhambisana inani lokukhokhela isitolimende sokuqala, futhi kungalesi sikhathi lapho icala kufike komkhulu wabo.
2. Hlela amathuba wokuhlengwa nisebancane - lapho kubalwa izinkokhelo annuity kunengqondo kuphela ukuqala isikhathi sokukhokha, ngasekupheleni inzalo ekhokhiwe kakade futhi kuyonciphisa isamba ngokweqile ngeke aphumelele. Ngakho uma uhlela sokukhokha imali ebolekiwe ngaphambi kwesikhathi - kungcono ukukhipha enkokhelweni loan ngendlela umahluko.
3. Jabulela ukukhokha imbuyiselo. Lapho obolekisayo umthengi izidingo zasekhaya ungafuna ngokushesha ngithi goodbye kuya izikweletu, kodwa umahluko mortgage isithakazelo kungenzeka unfeasible.

isiphetho

Ngakho, ake fingqa futhi. indlela umahluko imali kufanele bakhethe labo:

• Kwenza out loan isikhathi eside futhi ihlela ukuthatha isizumbulu;
• It has ukungabaza mayelana eside sezimali esethembisayo, kodwa ngesikhathi kucutshungulwa loan ngempela beqiniseka amakhono abo;
• Ufuna ukunciphisa inani ngokweqile ku loan;
• It uhlela ukukhokha izikweletu zabo ngokushesha ngangokunokwenzeka.

Okungaguquki isithakazelo yokukhokha - esingcono kakhulu:

• ababoleka abangakwazi ekuqaleni ukwenza imali eningi;
• amakhasimende ingeniso mali yakhe nyangazonke ayivumeli ukubaluleka ukwenza izinkokhelo lokuqala credit nesimiso umahluko;
• abantu asebethathe kancane futhi kancane loan;
• amakhasimende efuna uhlelo lokusetshenziswa kwemali, sithembele a inani elimisiwe ukukhokhelwa imali-mboleko.

Njengoba nje ebhange ekunika kukhethwa bahlolisise kokubili ongakhetha, ukuhlolwa nizithibe amakghono wabo. Buza abasebenzi yasebhange etholakalayo ukuchaza kuwe, indlela izobalwa izinkokhelo esizayo. Ungase futhi uzitholele kokubili ongakhetha futhi ngokucophelela sizihlole ngendlela ekhululekile ekhaya imvelo, nesisindo ngokucophelela ngobuhle nangobubi bawo. Khona-ke ungaqiniseka zempilo wezimali.