Annuity kunye nentlawulo enomahluko kwi-mboleko: le eziluncedo nezingeloncedo yohlobo ngalunye

Ngelishwa, asingabo bonke abathengi yebhanki abasebenzisa iintlobo-mboleko kunye ngezavenge, uqonde umahluko phakathi annuity kunye nentlawulo enomahluko kwi-mboleko. Ngoko ke, xa indoda kanye xa wenza isivumelwano isithembiso ukwenza ulungiselelo wohlobo, uxhomekeke ngokwembono umqeshwa yebhanki, okanye (ngakumbi) enza nokuba kunini na. Ngenxa yoko, lo mboleki badla abayiqondi into uhlawula, kutheni imali enjalo, apho athe yetyala elingekahlawulwa.

Annuity sokubala circuit

Ukuba umntu wenza ngalo mall okanye ivenkile izavenge zokuthengwa kweempahla (credit yabathengi), iintlawulo ngokwahlukeneyo ke akunakwenzeka ukuba kufundiswa. Inyaniso yokuba inkqubo annuity buyiselo ivumela Ayinaxesha ukwenza ishedyuli kwisivumelwano. Iintlawulo ze lonke ixesha i-mboleko zibalwa ngokungqinelana ifomula ukuze ukuba bayalingana. Ziyahluka ungakwazi kuphela inani lokugqibela kokubini ezinkulu ecaleni ezincinane.

Esi sikimu isetyenziswa iibhanki ngokunxulumene nesibakala sokuba inkonzo mboleko annuity ayifuni zifuna izibonelelo ezongezelelweyo, konke kwenzeka ngokuzenzekelayo. Umntu owaziyo ukuba intlawulo yakhe, yaye uphumeza intlawulo yenyanga. Xa siqwalasela oku Udweliso indawo yomboleki, kucingwa ukuba ngaphantsi kwe intlawulo enomahluko kwi-mboleko. Enyanisweni, ukuba inzala ibalwa kwisixa intsalela yetyala (kwaye oku kunokwenzeka nokuba igrafu), awukwazi ukuthetha malunga nenzuzo zemali nokuba ukhetho. client Simple annuity intlawulo kancinci ukucima imali mboleko, ngoko ke egqithisileyo yokugqibela iya kuba ngakumbi. Kwelinye icala, obolekayo lula ukuhlawula kunye ebhankini, esazi ngokucacileyo isixa sentlawulo yenyanga. Ingakumbi ukuba ikhontrakthi ubonelela ekuqaleni yokwenza izibophelelo kuye akukho namnye endibulala ukuhlawula ngaphezu kubonisiwe kule tshathi.

scheme ngokwahlukeneyo

Kodwa ibizwa ngokuba Classic. xa uboleka iingcali zidla iingcebiso abathengi ukuba ukhethe it up. Isibakala sokuba ukubala iintlawulo mboleko ngokwahlukeneyo wenziwe nje ngakumbi ngokungafihlisiyo. umboleki nganye, usebenzisa i wokubala abaqhelekileyo yokuyenza ngokwakho. Kulo mzekelo, umzimba mboleko yohlulwe wezixa ezilinganayo (yi inani leenyanga ezibolekisa), kunye nenzala ihlawuliswa kuyo yonke imali eseleyo. Ngoko ke, kukho ukwehla kule ixesha. imali mboleko ngokwahlukeneyo nyanga nganye zilandelayo ziya kwahluka kowangaphambili. Oku main ethile yayo. Oko kukuthi, i-client phambi ukwenza imali eziinkozo okanye terminal, kufuneka noba ubuze ucwangciso lwakho okanye ukucacisa inani yincutshe.

intlawulo enomahluko kwi mboleko ayikho lula kunye nokuba iintlawulo zokuqala zahlukile kakhulu ngendlela enkulu. Oku kuthetha ukuba le sekethe kunokuba nje umboleki esingakwaziyo ukuzihlawula.

Indlela Khetha

Abantu abangenazo ixesha kunye nethuba nexesha ngamnye ukuya ibhanki ukucacisa intlawulo yakho kungenzeka ukuba sihambelane ngonyaka. Kwaye ukuba ndokuhlawula ngaphambi shedyuli, kwaye akayi kuba phezulu egqithisileyo. Abo kubaboleki baqhele ukuba balandele ngqo le shedyuli, ngokuqinisekileyo scheme olufanelekileyo ngakumbi yaduma buyiselo. Kakade ke, ukuba abayi ukoyikisa intlawulo yokuqala. Ngoko alimisileyo ngokwahlukeneyo yaye annuity linamanqaku zayo akhabayo kunye navumelanayo.