Indlela ukubala ngetyala: uceba iindleko.

Ipesenti neemveliso zeentengo kunye neenkonzo uyakhula kunyaka ngamnye, njengoko izinto ngaphambili ingafikeleleki ukuba kwafuneka elinye iminyaka, umntu akakwazi ukuthenga "apha kwaye ngoku". Akwanelanga ukuba i mboleko kwaye bahlawule imali encinane nyanga nganye, kwaye sele fumene ezinqwenelekayo, yaye akukho mfuneko yokuba ulinde ze wonge imali ixesha elide. logic lwalo ezi zimvo apho, kodwa phambi kwakho ukubaleka kwaye uthathe imali-mboleko ebhankini yokuqala, abonelela i "esezantsi-interest", kubalulekile ukubala lemali mboleko eliphezulu. Emva koko thelekisa linikeza yekhredithi evela kwiibhanki ezahlukeneyo uze ukhethe ukhetho olufanelekileyo.

Ungaqala kunye ekubaleni mali iphezulu wokubala ngetyala, iibhanki kuyibingelela iiwebhusayithi zabo esemthethweni. Isixa yokugqibela mboleko ukuba balindele rough kakhulu, kodwa ungalawula kuyo. Ubuncinane, ungabona yemali ulindele ukuba ilingane ingeniso yakho iqinisekisiwe. website Ibhanki zinokufumaneka kunye ngokwemiqathango mboleko kunye namazinga enzala. ingqalelo ekhethekileyo kufuneka ihlawulwe iikhomishini ebhankini, izohlwayo kunye nemfuneko inshorensi.

Ukuba uyazibuza ukuba indlela mboleko yakho, uya kufuneka yonke idatha. Ukuthatha ibhanki isixa esithile, kuya kufuneka ukuba sibuyele inenzala. Inzala e zicime differentially ngokuqhelekileyo abalwe kusetyenziswa ifomula ilandelayo:

Inzala mali = (imali yetyala * umyinge wenzala yonyaka) / 100 * 12

Musa ukulibala ukongeza le mali inqununu, kwakunye nazo zonke ezi uthuma. Izohlwayo iibhanki uqobo inyanzelise ukuba icima credit emva kwexesha okanye ucimayo kwezixa ezincinane ngaphandle kwezo zikhankanywe kwishedyuli. Ukuba unomdla ukubala ngayo ngetyala, kodwa kunokuba malini unokucela ibhanki ukuya eliphezulu, ungasebenzisa le fomyula ilandelayo:

SP = P / (t +1) * yonyaka wenzala kwi-mboleko kwi engange / 2 * 12 100 *

Apho SP - esona sixa sikhulu mboleko, P - indlela yokuhlawula amatyala abantu kubaboleki, kunye t - ithuba evuma kwiinyanga yonke. Khumbula ukuba esi sixa ebhankini nganye iya kutshintsha indlela yokunciphisa, ngokuxhomekeka kubudala lesigulane eso, ubude komsebenzi, ubukho imbali entle yekhredithi, uzinzo ingeniso yalo, ukufumaneka i-inshorensi, abaxhomekeke kuwe, njl creditworthiness of umthengi ibalwa yi ifomula ezahlukeneyo:

P = Qh * K * t, apho

Qh --avareji yengeniso (net) iinyanga ezi-6 emva kokuphungula zonke iintlawulo esisinyanzelo, K - into uyasetyenziswa, t - inyanga. Iintlawulo uwunikela - yerhafu, inkxaso kwabantwana kunye nezinye iintlawulo. Ngokuba abadla umhlala-phantsi ingeniso kuthathwa njenge-phantsi nyanga zonke.

Osomashishini ngamnye yokuhlawula amatyala ubalwa ngokungqinelana scheme eyahlukileyo. Kuba abo lokuhlawula imali-mboleko uza kungena yobudala yomhlala-phantsi, ukukwazi ukuhlawula kuya kuba ngaphantsi kancinci ngenxa yokuba "iinyanga yomhlalaphantsi" zithathwa, ngokusekelwe isixa esiqingqiweyo se-pension ubuncinane.

indlela ngamnye kumntu ngamnye, ukongeza yonke enye into, yaye ziquka ukusetyenziswa imiba efanelekileyo ukulungiswa xa kubalwa inani eliphezulu ngetyala.

Bala mboleko kanye ukuba ukwenza njani ebhankini, kunzima. Ngenxa yoko, phantse zonke iibhanki bayakhuthazwa ngamandla ukukhangela igosa mboleko ebhankini uze ufumanise yonke imibuzo kuloo ndawo. Njengomgaqo, nakule mimandla yodliwanondlebe, igosa mboleko ungatsalela umnxeba i "nophahla 'yokwenene yale mali-mboleko.

Phambi kokuya ebhankini, zama ukuba bahlole ingcinga ephilileyo imisebenzi yabo. Kungekho nto ekuqaleni kweli nqaku yaphakanyiswa ukubala ngetyala, kodwa kunoko mali eziya kufuneka ukubuya. Mhlawumbi umnqweno wakho ukuba yonke into ngexesha elinye, hayi nje isuke banyanzelekile kodwa yiyo elula. Ukunika imali kuba nzima ngaphezu kokuphiwa ngakumbi.