Iintlawulo Annuity, yintoni na le uhlobo lwentlawulo mboleko?

Asinguye wonke umntu uyazi malunga ingqiqo hlobo iintlawulo annuity. Ukuba olu hlobo lwentlawulo, kufuneka ndivile kwabaninzi. Kodwa yintoni umphumo elinako iindleko kwemali waboleka ukusuka kwiziko zemali, eyaziwa ukuba bonke. Xa umntu ethatha-mboleko, oko utsalela ingqalelo umdla. Abantu bakholelwa ezincinane izinga, esi sipho ngcono. Ngoko, cinga ngazo abo bantu abaqhelekileyo abayaziyo kancinci ngemali. Zihlawula kwakhona ingqalelo kwimali-mboleko kunye kwethuba layo. Kakade ke, iimpawu ezibalulekileyo. Kodwa kukho sisalathisi esibalulekileyo, zange uve zonke kuyo.

Iintlobo kwentlawulo for credit

Eziqulunqwe obolekayo siyazi ukuba simele sijonge kweli candelo njenge uhlobo lwentlawulo. Nguye lowo nempembelelo enkulu kwiindleko-mboleko. Ngamanye amaxesha kukho intlawulo eziliqela. Zahlula kunye annuity iintlawulo. Yintoni na? Kodwa nantsi eyona nyaniso.

iintlawulo ngokwahlukeneyo

Uhlobo lokuqala elaziwa kakhulu. Iintlawulo phantsi ezimisa intlawulo ezahlukeneyo yenyanga, leyo kunciphisa kwexesha. Onke amatyala lahlulwe ngenani leenyanga yemali-mboleko, intlawulo kufuneka yenziwe kwizabelo ngokulinganayo. Inzala ethe kwimali, isixa iintlawulo ngenyanga ziza kuncitshiswa.

iintlawulo annuity

Ngoku makhe sikhangele iintlawulo annuity - yintoni na le uhlobo lwentlawulo, asingabo bonke abathengi baqonde iibhanki. Xa ubajongile, kuyabonakala ukuba kube lula ngakumbi. Yintoni ingongoma wabo? Le mali-mboleko kufuneka ibe seyibuyisiwe qho ngenyanga ukuze mali mnye, kodwa ukubala akulula kangako. Abaninzi elothusayo into enjalo njengoko iintlawulo zomnyaka. Yintoni na le hlobo lwentlawulo, kulula ukuqonda, ukuqonda indlela ukubala. Inzala kufuneka zibalwe ngokutsha kuthathelwa ingqalelo intsalela mali waboleka, ukuba kuyehla, kodwa umyinge engundoqo kwangaxeshanye ozikhulela kule nyanga. Ekuqaleni, mna ahlawule inzala, kuvela ukuba iibhanki ityala ingeniso kwasekuqaleni. Xa sithelekisa data iintlawulo ngokwahlukeneyo, ngoko singatsho ubungakanani annuity lingaphantsi kwe ngenyanga yokuqala. Kwafa phakathi kwexesha ukuba zimalunga nokuba, uze ukunciphisa ixabiso lemali yokuqala neyesibini akayi kutshintsha.

njani na ukubala iintlawulo annuity

Banks ukubala inkqubo calculator ezikhethekileyo. Ngaphandle kokuya kwi nezo kwimathematika, sinako uqaphele, adunyiswe xa loo intlawulo ezibiza kakhulu, njengoko okuseleyo ityala lifinyele kancinci. Okukhona ubomi mboleko kunye nexabiso layo, kokukhona egqithisileyo. indlela lokuhlawula ayibalulekanga xa beekhredithi ixesha elifutshane.

Nantsi ke indlela yokuhlawula annuity:

intlawulo yenyanga = KA * SK, apho KA - annuity factor, SK - le mali-mboleko.

KA = (pr * (1 + pr) ⁿ⁾ / ((1 + pr) ⁿ -1), apho pr - na umyinge wenzala (zenyanga), n - amaxesha intlawulo Loan.

Umzekelo, ukuba umyinge we-12% ngonyaka ngamnye, kufuneka ibe 12% lahlulwe ngeenyanga ezili-12 ukuze kubalwe pr.

bendlela Annuity:

- ukwenyuka kwamaxabiso ngetyala;

- akunakwenzeka ukuba babale intlawulo yenyanga uhlawule ekuqaleni,

- ngamanye amaxesha akavumelekanga ukucima ngaphambi amboleke kwishedyuli.

Kwizazi Annuity:

iintlawulo Annuity kwi mboleko azikho nje nobubi, babe iingenelo eziliqela.

- Akuyomfuneko ukuba ukhankanye isixa sentlawulo ngenyanga nganye, okona kubaluleke kakhulu, ukucima ityala ngexesha.

- Intlawulo yokuqala encinane, it ikuvumela ukuba ukuthatha ngetyala kubantu ephantsi imivuzo.

- iintlawulo zenyanga asezantsi ngcono ukuba imali yentsapho. Ngokufuthi zikhethwe xa mboleko.

- Ngenxa yokwenyuka kwamaxabiso, udibaniso alubonakali eninzi ngoko olu hlobo lwentlawulo.

Zonke kubalwa ngononophelo kwaye zihlalutywe ngokuthatha imali-mboleko, ngoko ukuba babe ukothuswa ngale ndlela!