Ifomula ngetyala zokubala: iintlobo okuhlawula amatyala

Uboleka ngexesha lethu ngokwenene into ngaphandle eziqhelekileyo kunzima ukubiza. mboleko Consumer ukwenzela ukuthenga impahla, amakhadi yemboleko, iimali-mboleko elifutshane elide iye eziqhelekileyo. Xa ujonga i-West, lonke of America uphila ngetyala, kwaye i-IMF ukuze ngokubanzi inikezela mboleko kwiimo yonke. Kodwa makhe sijonge ukuba ngamehlo izinto ezenziwayo ze-avareji ukubolekisa abathengi. Apha yeyona isisiseko - ifomula yokubala ngetyala kule mvumelwano, leyo kubaboleki ezininzi kwiimeko ezininzi musa ukunikela ingqalelo. Kwaye oku kwixesha elizayo abanokuyidlala nabo a joke ngenkohlakalo.

Ifomula yokubala intlawulo kwi-mboleko: ulwazi olusisiseko

Phambi kokuba zinike quadratic zemathematika, kufuneka achaze ngokucacileyo amagama ambalwa. Eyona nto ibalulekileyo nasiphi na isivumelwano semali-mboleko - lokuhlawula imali-mboleko, oko kukuthi, ukuhlawula imali-mboleko sokuqala ngokupheleleyo.

Kodwa nje imali, akukho iziko ebhankini okanye zemali ayinikezi. Okungenani Kufuneka kuba ukwenza intlawulo wenzala lonke ixesha-mboleko. Ngendlela, ukuba umntu akazi le ndlela yasetyenziswa kwanangayo Templars kunye Freemasons.

Kodwa loo nto bonke. Modern credit sokubala olungumgubo kuthetha kubulawe imingcipheko enxulumene ne yezinto non-intlawulo eyenziwa mboleki-mali esekwe yi kwishedyuli. Ngoko ke, ukongezelela kwisivumelwano semboleko zibandakanya iindleko ze-inshorensi, komsebenzi njalo njalo. D.

Enyanisweni, lo ubalo ifomula mboleko ngokwemiqathango intlawulo yetyala, ukuba kwenziwa alinganayo, usenokukhangeleka imali mboleko olupheleleyo bahlulwe ngenyanga, oko kukuthi, S / n, apho S - i sisixa ngetyala kwimo yalo yantlandlolo, kwaye n - nenombolo iinyanga (hayi iminyaka).

Ukuba uzoqala intlawulo yenyanga ngokusekelwe kwinani leentsuku kunyaka, ifomula ukubala mboleko kuthatha phezu look entsha. Imali mboleko lahlulwe ngenani lilonke leentsuku ngelo thuba ngokupheleleyo ukusetyenziswa kwayo, yaye emva koko liphindaphindwe ngenani leentsuku ngenyanga yangoku.

Umzekelo, ngenyanga babe 30, 31, 28 okanye 29 iintsuku. Ngako oko, le mali-mboleko yonke lahlulwe ngenani leentsuku, uze emva koko ngenyanga lwangoku liphindaphindwe ngenani leentsuku.

Njengoko ngayo lube lulutho

Ifomula yokubala inzala mboleko into efana mzekelo uchazwe apha ngasentla. Kukholelwa ukuba umboleki uhlawula inzala kuphela ukuba ixesha elimisiweyo ukusetyenziswa kwe-mboleko (usuku, iveki, inyanga, nonyaka). Ipesenti sibalwa ngokwahlukileyo. Oku kuya kuxhomekeka kwinani leentsuku emva komhla omiselweyo, okanye eliyakumiswa (kulo mzekelo, intlawulo umdla kuyafana ukuba ukuhlawula imali-mboleko).

Noko ke, xa silandela imigaqo eyamkelekileyo buyiselo enomdla lonke ixesha ukusetyenziswa mboleko, ifomula ndikhangele njenge ukwahlulwa imali mboleko ngenani lilonke leentsuku kwixesha, ilandelwe yi-phinda ngo-ngepesenti kunye nenani leentsuku apho kufuneka wenze intlawulo.

Ezinye iibhanki zinika ukwenza intlawulo kwi lokuvuthwa. Kwakhona, isixa umdla ebalwe wahlulwe ukuvuthwa ne ukulungiswa.

Ke enye le ndlela kakhulu umdla yaye etsala marketing ke accrual kwenzala kwimali yetyala. Ngoko ke, lo Ngokwefomyula yokubala mboleko (umzimba, nangona ihlawulwa off ngaphambi kwexesha) luza kuhlala lunjalo lungatshintshanga, kodwa ngokukhawuleza kunokuba uhlawule ityala eliyintloko, inzala ngaphantsi umboleki ngokungaphaya. Kulo mzekelo, ogudle-mali sisonke esihlawulwe yaye intsalela ke lahlulwe ngenani lilonke leentsuku uze liphindaphindwe ipesenti kunye nenani leentsuku ehambelana kwixesha langoku buyiselo. Kodwa apha ezinye iibhanki ukubeka izohlwayo yona. Oku kuyaqondakala, kuba ulahlekelwa ngumsebenzi.

Ifomula yokubala intlawulo annuity kwi mboleko: yintoni eyona?

mboleko Annuity zihlelwa umohluko. Kule meko, zonke iintlawulo ezinxulumene kwinqununu, ekufuneka zihlawulwe ngezavenge ezilinganayo. Thina umahluko phakathi kweentlobo ezimbini lokuvuthwa: numerando kunye postnumerando. Kwimeko yokuqala, iintlawulo inqununu zenziwa kanye ngexesha okanye ekupheleni kwexesha. Kule yesibini - ngaphambi komhla ecwangcisiweyo (njengoko xa intlawulo yokuqala).

Kwaye iintlawulo ngokwabo yolu hlobo ingalungiswa, ebotshelelwe ngeranti indexed kuthathelwa ingqalelo izinga lokwenyuka kwamaxabiso, fixed-term, vula-iphela, yosulela lilifa, njalo njalo. D. Ifomula yokubala mboleko annuity nga uboniswe kumzekelo elula.

Masithi, imali mboleko 100 lamawaka engange, yonyaka umyinge wenzala - 10%, kwaye elide mboleko - kwiinyanga ezi-6. Intlawulo yenyanga nganye iya kuba 17156,14, kodwa inzala bunciphe. Ukubala egqithisileyo lilonke kwixesha elithile, nande nje imali-mboleko ukuya inani leenyanga kunye otminusovat imali epheleleyo yemali-mboleko. Kwimeko yethu 17156.14 6-100000 * = 2936.84.

amanqaku Hidden izivumelwano zeentengo zemboleko

Kufuneka kananjalo bathi izivumelwano lingakhankanywa kunye nezinto ezinxulumene inshorensi yomngcipheko ngetyala. Kufuneka unikele ingqalelo ekhethekileyo.

Intlawulo yeMisebenzi enokwenziwa ekuqaleni, okanye ezaphukileyo phantsi ukuvuthwa, esinokubangela iindleko ezongezelelweyo xa kujongwa zesixa sentlawulo yenyanga. Kukho kwakhona zonke iintlobo yeMisebenzi kaRhulumente, umzekelo, kunikezelo eziinkozo, kunye nenkonzo ngecredit card, SMS-izaziso zemisebenzi, njalo njalo. D. Emveni kwako konke oku, nathi, kubiza imali, yaye ngenxa yesizathu esithile akukho namnye ngokwenene ukucinga ngezi ndleko.

Ukubuyisela kwamatyala

Ukuba kukho ukulibaziseka, inkqubo elungiselelwe oku: kwindawo yokuqala inzala engahlawulwanga ahlawulwa off, okwesibini - intlawulo inqununu ebesilindelwe, ngoko - izohlwayo kunye nezohlwayo. Ukuba ngoku unalo elinye ityala, oko liyavuzwa emva umdla zibuyiswe engagqibekanga - kule ithuba lokugqibela.

isiphelo

Njengoko ubona, Ngokwefomyula yokubala mboleko kuxhomekeka imeko zingatshintsha. Apha nje kuphela umbandela ibalulekileyo kukuba esebukhobokeni enjalo, nokuba kwiimeko kakhulu, akukho mfuneko ekusafuneka azinyuke. Enoba ngayo yonke enomtsalane, akukho namnye yemali akayi siphuthelwe ithuba lokuba bafumane. Ke kaloku, njengokuba umthetho, kubandakanywa iindleko ezifihlakeleyo kunye nemeko kwiimalike zemali, umntu avareji uya kulahlekelwa kuyo nayiphi na imeko.