Annuity - iintlawulo, siyazibona yonke

Namhlanje, abantu abaninzi baqhelene iintlawulo annuity ngenxa ukusasazeka ngokubanzi le ndlela okuhlawula izibophelelo ngetyala. Nangona kunjalo, i-annuity - ayikho kuphela kwikota ebhankini. Ifumaneka kwiindawo ezahlukeneyo - ukusuka inshorensi ukuya pension, nto leyo esetyenziselwa ukubonisa iintlawulo rhoqo / iinzuzo. Ekuqaleni eli gama kuthetha periodicity ngonyaka (ukusuka Latin "annuus" - "unyaka"). Nangona kunjalo, xa kukho ingcaciso yanamhlanje imida ecacileyo yakuhlamba kwaye annuity - kukho naziphi na iintlawulo rhoqo ngokulinganayo (yonke imihla, qho ngenyanga, ngekota, njl ...). Ezona mpawu ezimbini eziphambili olu hlobo lwentlawulo - ziyanda kwaye ukungaguquleki imali ihlawulwe.

Noko ke, asingabo bonke amacandelo e-annuity njalo. Thabatha umzekelo isivumelwano esigqitywe mbutho zebhanki. Ngoko, xa sukuba usenza mboleko umboleki unyanzelekile ukuba ahlawule oyibolekileyo rhoqo (idla ngenyanga) isixa esithile semali (iintlawulo annuity) ngenxa ukuhlawula imali-mboleko. Ngaphezu koko, eli xabiso kuquka njengenxalenye inqununu mboleko kunye nomdla ukusetyenziswa kwayo. Ukuba ziyaguquka ngokuhamba kwexesha. Ekuqaleni (de lwaphakathi enyakeni ka-mboleko) isixa-inzala ehlawulwa sidlula isixa-mali buyiselo oyintloko, kwaye emva koko (emva kokuba phakathi kwexesha-mboleko), le meko litshintsha ngendlela emangalisayo, yaye inkoliso annuity sele ityala yomboleki.

Njani kule meko, kukho ukubalwa annuity? Ukuze ufumane ingcaciso eqondakalayo izakunika umzekelo. Masithi utyikitye isivumelwano semali-mboleko ukuya la magama alandelayo: kwisithuba ngetyala - nyaka (ukusuka 28 Novemba 2013 ukuya kwi-28 Novemba 2014); umyinge wenzala - 20% ngonyaka; imali mboleko (inqununu) - 150 amawaka engange. Thina abanomdla ixabiso iintlawulo zenyanga (annuity), kunye egqithisileyo kwi-mboleko (ixabiso mali waboleka). Intlawulo eya kwenziwa ngoDisemba 28 (yaye nyanga nganye ezilandelayo), kubalwa ngokususela ifomula:

PA _post = R * (1 - (1 ^{+ i) - n) / i} , apho

PA _post - mali-mboleko (okanye lincitshiswe ixabiso enenzuzo 150 m p ..);

R - intlawulo yenyanga;

i - ngenyanga umyinge wenzala (20% / 12 = 1.67);

n - inani lamathuba evuma (iinyanga ezili-12).

Ngenxa yoko, R (okanye annuity) - le ubungakanani kulingana:

PA _post * i / (1 - (1 + i) ^{- n)} = ¹⁵⁰⁰⁰⁰ * ^0,0167 / (1 - ^{(1 + 0.0167) -12) =} 13898 engange.

Ngoku kulula ukumisela indlela ziya kuba nezicelo kwi-mboleko kunye nemigomo nemibandela:

13898 * 12 - 150000 = 16776.

Ixabiso kuya kufuneka ukuhlawulela imali ebhankini. Ukusebenzisa ifomula ku Excel, ungakha igama ithegi, nto leyo eza ipeyintwe kwaye amacandelo intlawulo annuity (inzala kunye inxalenye ebolekiweyo ukuba uza kuhlawula malini ngenyanga nganye), sikhumbula ukuba ziyashiyana. Bala ukuba ayikho nzima, nje ngenyanga kufuneka acuthe ityala eliyintloko ngexabiso esele ihlawulwe kwaye liphindaphindwe izinga lenzala (kuyaziwa, ihlawuliswa kuyo yonke imali eseleyo).

Kakade ke, indlela annuity kuzisa iingenelo elibalulekileyo ebhankini, kuba mboleki yokuqala byi becala inzala, uze kuphela aqalise intlawulo yenqununu. Kwaye umxhasi ukuhlawula imali ixesha elide, kokukhona imali kwiziko lamatyala. Kungenxa yoko le nto iibhanka zingekho wayeyoliswa kakhulu, xa imali seyibuyisiwe phambi ishedyuli (de kutshanje, kulo mzekelo, badla ukuhlawulisa imali, nto leyo ke ibhangayo ngumthetho).

Olu phawu iintlawulo annuity (components utshintsho) ziqhelekile ukuba mboleko. Ngokuqhelekileyo ngonyaka - yinto nje isixa esiqingqiweyo, apho iintlawulo ziya kwenziwa ngamathuba axeliweyo. Umzekelo kwayo kwezinye iindawo: irente, iirenti, inkamnkam, iminikelo uphelelo regulyanye intlawulo kwinkampani ye-inshorensi ukuba policyholders okanye, icala, iziqendu, intlawulo yonyaka, njalo-njalo ..