Indlela ukubala iintlawulo mboleko? Indlela yokubala intlawulo yenyanga kwi-mboleko?

umntu kunqabile namhlanje uyakwazi ukwenza ukuba ukuthatha ngetyala. Kodwa abanye ke lithuba kuphela ukubonelela kuba bona kunye neentsapho zabo kunye nezindlu, kodwa abanye - indlela udandatheko ebumnandini ezahlukahlukeneyo, nto leyo kuthathwa imoto entsha, izihlangu ezintle okanye uhambo ukuya hambo. Kuyo nayiphi na imeko, imali-mboleko - yinxalenye yobomi bethu, yaye oko bekuya kuba mnandi ukuqonda ukuba ukubala ngayo iintlawulo zokubambisa. Ngaba kunokwenzeka ukuba yokuyenza ngokwakho apha ekhaya? Okanye kufuneka ube yincutshe?

jikelele isimo

Kule minyaka ilishumi idlulileyo, kwakukho ukukhula ngokukhawuleza lekhredithi yemakethi, kunye athandwa ukuba uboleka ngabanye. Kusengqiqweni ukuba ngezezimali abantu banda kancinane. Enyanisweni, ngokuchanekileyo, ukuba abantu baqala ukuthatha unonophelo imali yakho uze ucinge ngendlela ichitha. Kwakufuneka ukucwangcisa kwemali kunye ngoku, ukusuka apho mali ukuphuhlisa intlawulo ye-mboleko. Imfihlelo kukuba ekufumanekeni ngetyala ikwenza ulibale malunga ingqiqo leyinene. Oko kukuthi, umntu usoloko ushiye ulungelelwano kwemali, nokuba ikhredithi khadi okanye mboleko ukuzila. Okukhona qhalo ukuba intengiso uthembisa ukuba isipaji yakho iya kuhlala imali iimpahla ezintsha okanye izingxobo imoto. Pink ikhuselo kudambe ke, xa lixesha lokuba payback.

Ngaphambi kokuba ugqibe

Ewe, kufuneka wenze isigqibo malunga mboleko! Uya kuba nako ukufumana imali intlawulo yenyanga? Yaye ngaba ngokwenene kuyimfuneko kuwe le nto ukuba ufuna ukuboleka imali? Kufuneka ukuba ubuze kunye namalungu osapho kunye, Kakade ke, musa uthathe imali-mboleko okokuqala. Ukunikezela ziyahluka phakathi neebhanki, yaye maxa wambi zinokuba luncedo uphendlo lwakho ethile. Umzekelo, umndilili wepesenti owamkelekileyo ukuba umhlala-phantsi, abafundi okanye iintsapho abaselula ecetywayo. Kufuneka ingqalelo ukhetho nomkhosi majeure, xa imali ukuze ahlawule imali-mboleko nje ngeke. Iqela iibhanki iya ukuhlangabezana abaxhasi kwaye inike ngokutsha kwamatyala. Vuma ukuqiniseka added xa Bacinge iindlela zokuphuma ngexesha likaxakeka. Kakade ke, kusenokwenzeka ukuba babale intlawulo kwi-mboleko. "Savings Bank", umzekelo, unika ithuba enjalo intanethi. Kwi website sikhulu ikhaltyhuleyitha leyo angakunika isixa esifunekayo, kwaye bakhetha elide mboleko.

Xa inkqubo ngesigqibo

Ngoko ke, indlela ukubala iintlawulo zokubambisa? Yaye kutheni oko, ukuba ibhanki unako ukwenza yonke into ngokwakho? Ukuze siqiniseke elubala kweenkonzo, ubume kweentlawulo kwaye akukho ntlawulo ezifihliweyo. Uyakwazi ukwenza izibalo zokuqala ekhaya, ukuba ikhalityhuleyitha, ipensile nephepha.

iintlawulo annuity

Le wokubolekisa ngemali ithandwayo iintlawulo annuity. sum wabo okufanayo ngexesha ngokwesivumelwano setyala. Le ntlawulo yenziwa iinxalenye ezimbini: imali ngokuya ngqo kwintlawulo mboleko kunye nenzala efumanekileyo kwisixa setyala. Kude ekupheleni imali yentlawulo uhlala ngokufanayo, kodwa ekuqaleni esilawulwa umdla, kwaye ekupheleni - kwelona tyala lakho elingummiselo. Nendlela ukubala iintlawulo kwi-mboleko hlobo? n )/((1+%) х ( n -1). Kukho indlela ekhethekileyo: R = C * (% * (+ 1%) x n) / ((1 +%) x (n -1).

Kule formula, P - sisixa sentlawulo, C - na isixa-mboleko. n – это срок начисления в месяцах. Ngako% - ibonisa umyinge wenzala, yaye n - lelona xesha accrual kwiinyanga. Ukuze ngokuchanekileyo ukubala ishedyuli iintlawulo kwi-mboleko, wonyaka wepesenti inokujikwa ibe ngenyanga, uze emva koko ochazwa iqhekeza wokugqibela. Kubonakala intlawulo yenyanga.

Ukuza kuthi ga

Kodwa xa uthe wenza isivumelwano semali-mboleko phezulu ishedyuli ngeemini ezithile, yaye ngenxa yoko iqondo yonyaka ziguqulelwe kule mini, oko kukuthi, lahlulwe ngenani leentsuku ngonyaka. n растёт. Ixabiso n ukunyuka. Xa kubalwa amazinga zenyanga ngemihla umahluko omncinane, kuphela isibini engange elinesibini, kodwa ukuthwala ubunzima. Ukuba unayo iitafile isakhiwo, unako ukwakha bank intlawulo analog imini.

Ukuze sikwazi ukungena ingxoxo eyodwa ingqiqo ngaphezulu "intlawulo ngokwahlukeneyo." Yintoni na nendlela ukubala iintlawulo kwi-mboleko hlobo? Ngoko ke, kukho intlawulo enomahluko yahlukile kuba kunciphisa ekuyeni ekupheleni mboleko elide, kunye isabelo yayo engundoqo - oku kungumsebenzi imali-mboleko, kwaye abanye - ipesenti kwi imali esaseleyo yenkqu.

Makhe sibuyele umbuzo ka ukubala indlela zesixa sentlawulo kwi-mboleko. Imali iyonke kwamatyala ukuba lahlulwe ngenani ezinyangeni obolekisayo ezicwangcisiweyo. Inani eliphuma ukuziswa ephambili. B = S: N , где B – является основным платежом, S – размером кредита, а N – количеством месяцев. Ukubalwa ifomula elula - B = S: N, apho B - kukunikezela ephambili, S - ubungakanani-mboleko, kwaye N - inani leenyanga. Kodwa loo nto nonke, ngenxa yokuba kufuneka bafunde ukuba ukubala indlela intlawulo yenyanga kwi-mboleko ngomdla. p – годовая процентная ставка. Kukho kufuneka ixabiso enye ngaphezulu - p - ngonyaka izinga lenzala. Ukuze kubalwe yokugqibela mali-mboleko kufuneka iphindaphindwe yonyaka umyinge wenzala kunye uwahlule isiphumo ngeenyanga ezili-12.

Ukuze ukuba ebala

Nokuba ukuba babale intlawulo kwi-mboleko, Sberbank, umzekelo, ungakwazi sum ngesiquphe isimanga, ekubeni kuya kuba inshorensi langoku umboleki. Okanye ipesenti unakho, ngokuchasene noko, ukunyaniseka, ukuba kukho zibhonasi kubalo. Umzekelo, umlinganiselo kunokuba ngaphantsi kwe kuba abasebenzi yebhanki. Of iindleko ze-inshorensi kwaye ngamanye amaxesha ishiywe ukuba, umzekelo, ixesha mboleko encinane, yaye iindleko inshorensi nje ukugwetyelwa. Kodwa kwimeko apho kukhutshwe i-mortgage, inshorensi kunyanzelekile, yaye kwimeko yokhubazeko kwetyala umboleki engundoqo kaThixo zinokubhalwa off.

Siye sahlolisisa imeko zokuziphatha onyaniseke lombutho ekhuphe ngetyala, kodwa kuyenzeka ukuze iibhanki ukuziphatha ngokungachanekanga. Ngokomzekelo, enye ingafumana ukubhekisela mboleko inzala-free, leyo, yeha, engenzekiyo! onke amaxwebhu nje emtshatweni nokugunyaziswa zibhalwe kwikholam "Ezinye iimali amthume." Ukongezelela, maxa wambi abasebenzi yeebhanki zinika iimeko ezingentle kakhulu ngetyala, sithembele ngokungazi abathengi. Ukucinga ukubala indlela intlawulo yenyanga kwi-mboleko, kufuneka ucele ukufumana iphepha elichaza konke a iibhanki ezimbalwa ezikhethiweyo ukuthelekisa imirhumo kunye neentlawulo, ngokunjalo ukukhetha i liyibeka elubala ukubolekisa ukhetho. Ndimele ndithi ukuba iintlawulo ngokwahlukeneyo zihamba kakuhle kakhulu kule meko kunye nendlela annuity yokubala kudla into ethile kakhulu kunye neendleko. Into engundoqo ke mandikhawulezise kunye nobhaliso ngononophelo khangela zonke izinto ezingaqondakaliyo.