Indlela ukubala inzala kwi-mboleko: le ifomula. Ukubalwa inzala mboleko: Umzekelo

Ngamnye ujongene nengxaki yokuswela imali yokuthenga izixhobo zombane zasekhaya okanye ifanitshala. Abaninzi kunyanzeleka ukuba siyoboleka ukuze ahlawule. Abanye bakhetha ukuba aye ezihlotyeni okanye izalamane kunye neengxaki zabo zemali, kwaye ngoko nangoko qhagamshelana ibhanki. Ingakumbi enikeza inani elikhulu leenkqubo mboleko akuvumela ukusombulula le ngxaki kunye ukuthenga izinto zexabiso kwi amagama kakuhle.

Yintoni credit?

Le nkqubo lobudlelwane kwezoqoqosho, obonelela ukugqithiselwa kweempahla ukusuka kumnini enye ukuya kwenye ukusetyenziswa okwethutyana phantsi kweemeko ezizodwa. Kwimeko kweebhanki eli xabiso le mali. Umntu ufuna isixa esithile Economist liqikelela creditworthiness uMthengi kwaye wenze isigqibo. Ukuba yonke into ilungile, kodwa iimali eziyimfuneko kangangexesha elithile. Kuba oku umxhasi uhlawula umdla bank.

Imali yokuthenga iimpahla okanye kufuneka imali? Kufuneka uthathe ngetyala. Le yipesenti esezantsi kukusoloko ezitsala abathengi. Ngoko ke, amaziko ezithandwayo mali, linike iicredit cards kunye mboleko cash on amagama kakuhle. A formula (ukubalwa umdla kwi-mboleko) iya kukunceda uqonde indlela ziya kuba ibhanki ukuze uhlawulele nkonzo.

egqithisileyo

Kwimeko mboleko ebhankini njengoko kwisenzo imali yorhwebo. Kuba ukubonelela iinkonzo zabaxumi kufuneka ahlawule umrhumo kwiziko zemali. Ukuze siqonde ukujonga ukuba izixa-mali overpayment, kufuneka baqonde intsingiselo yala magama:

• umzimba mboleko;
• Commission;
• yonyaka izinga lenzala.

Unenkqubo ixabiso zokubuyisa nexesha mboleko. Oku kuza kuxoxwa ngezantsi.

Yintoni na umzimba imali-mboleko?

Isixa indoda leyo yathabatha-mboleko ebhankini, oko umzimba-mboleko. Njengoko wenze intlawulo, esi sixa lifinyele. Yeyona umzimba mboleko inzala ethe kwaye, kwiimeko ezininzi iKomishoni.

Xiya xikombiso lexi. Umntu iye yakhupha isivumelwano semali-mboleko ngoMeyi 1 imali engange 20 000. Kwinyanga kamva, wenza intlawulo ubuncinane engange 2,000. Kule mali ukuhlawula umdla kwi-mboleko ithathe 500 engange, 1,500 engange - ukuhlawula ukuhluba umzimba. Ngoko ke, sehla ukuya ku-18 500 engange njengoko ka June 1 umzimba mboleko. Kwixesha elizayo, zonke inzala iya kuhlawuliswa kanye loo mali.

Commission

Ipesenti ukuba umthengi uhlawula ibhanki phezu izinga lenzala, oko yiKomishoni. amaziko ezemali ezahlukeneyo womemeza mboleko ezahlukeneyo. IKhomishini inganika kuhlawuliswa zozibini umzimba-mboleko kunye nemali ukuba umthengi sele ebolekiweyo ekuqaleni. Kutshanje, iibhanki ezininzi uyeka iikhomishini ngokupheleleyo lizakucwangcisa kuphela ngonyaka izinga lenzala.

Cinga nje ngomzekelo ikhomishini elimisiweyo 0.5%. Umxhamli wathabatha mboleko kwi-mali ka-10 000 engange. Intlawulo yenyanga baya kubumba engange-50. Formula (yokubala umdla mboleko) imi ngolu hlobo lulandelayo: 10 000: 100 X 0.5.

Ukuba le khomishini azifani, kwaye itsalwa kwi-eseleyo ematyaleni (umzimba mboleko). Loo ngobuwena izinceda ngakumbi ukuba umthengi, ekubeni isixa umdla esoloko ukuhla. Njengomthetho jikelele, le khomishini ihlawuliswa kuyo yonke imali kwetyala kanye ngosuku lokugqibela lwenyanga. Oko kukuthi, ukuba umthengi uyihlawule yonke imali ngomhla wama-28 ngosuku lokugqibela ngomhla wama-30, zange kufuneka ahlawule umsebenzi.

Izinga Amanqanaba epesenteji yaqho ngonyaka

Xa kungekho ikhomishini ngokwesivumelwano semali-mboleko yonyaka umyinge wenzala iya kuba sisiseko ekubaleni egqithisileyo. Ipesenti isoloko ibalwa ityala eliseleyo. I ngokukhawuleza Umxhamli kuya kunika ityala, kokukhona kuya kufuneka ukuba overpay.

Ithini ipesenti mboleko zibandakanya? ziibhanka ezahlukileyo ke ngokwendlela yabo. Kuyenzeka ukuba ukuthatha imali kwi kumyinge we-12% kwi-25%. Okulandelayo iya kuchazwa ngayo ukubalwa umdla mboleko (formula). Umzekelo: A client wathabatha mboleko kwi-mali ka-10 000 engange. Yonyaka izinga ikhontrakthi yi-15%. Ngosuku lo umthengi uya kuhlawula 0,041% (15: 365). Ngenxa yoko, ngenyanga yokuqala kuya kufuneka ukuba uhlawule isixa nomdla mali ka-123 engange.

10 000 100 x 0,041 = 4 engange-10 kopecks - isixa egqithisileyo ngosuku.

4.1 x 30 = 123 engange / ngenyanga. (Ngaphandle ukuba iintsuku ezingama-30 ngenyanga).

Cinga ngakumbi. Umxhamli wenza intlawulo yokuqala engange 500. phantsi kwesivumelwano akukho myalelo. 123 engange iza kusetyenziswa inzala, engange-377 - intlawulo umzimba. intsalela yetyala iya kuba 9623 engange (10 000 - 377). Lo umzimba mboleko, apho kuya kuqhubeka ukuze afumane inzala.

Indlela ngokukhawuleza ukubala egqithisileyo kwi-mboleko?

Umntu lowo kude kwicandelo lezimali, kunzima ukuqhuba naziphi na izibalo. ninzi iibhanki ezikunika calculator abathengi credit ekuvumela ukuba ngokukhawuleza ukubala egqithisileyo yi lemvumelwano. Konke kufuneka ukuba uyenze ukuze ukungena kumaziko website isixa ematyaleni ixesha ibiqikelelwe ye yonyaka izinga ipesenti. Emva kwemizuzwana embalwa uya kukwazi ukufunda mali egqithisileyo.

Loan Calculator - sisixhobo ngumncedi ukubala kulingane isixa egqithisileyo isityholo. Ezi kumqubula. imali ngokugqithisileyo ixhomekeka kwisixa-mali eza kwenza ngumthengi kwakunye ixesha lokuhlawula imali-mboleko.

Yintoni inkqubo intlawulo kwi-mboleko?

Kukho ezimbini iindlela buyiselo. Classic unika kuhlawulwe inxalenye ethile ye-mboleko kunye nezinga lenzala. Umzekelo: Umntu lenze isigqibo sokuba athathe mboleko ukuba unyaka-mali ka-5000 engange. Phantsi kwemigaqo, izinga ngonyaka yi-15%. Lwenyanga kuya kufuneka ukuba uhlawule le mali-mboleko kwi-mali komzimba 417 engange (5000: 12). Formula (ukubalwa inzala mboleko) wayeza khangela ngolu hlobo:

5000: 100 x 0.041 = 2 engange 05 kopecks - isixa egqithisileyo ngosuku.

2,05 x 30 = 61 engange-50 kopecks (ngaphandle kokuba inyanga iintsuku ezingama-30) - inani le egqithisileyo ngenyanga.

417 + 61,5 = 478 engange-50 kopecks - intlawulo mandatory ubuncinane.

Kwinkqubo classical buyiselo nyanga nganye isixa lwentlawulo kunciphisa njengoko inzala ihlawuliswa kuyo yonke imali yetyala.

inkqubo iintlawulo zomnyaka inika mboleko ngezavenge ezilinganayo. Ekuqaleni wamisela isixa esiqingqiweyo se intlawulo ubuncinane. Ngokutsho uninzi mali njengoko intlawulo ityala iya ukuhlawula imali-mboleko, njengoko egqithisileyo umdla lifinyele.

Xiya xikombiso lexi. Umxhamli wagqiba ukuthatha imali kangangeminyaka eli-10 kwi-mali ka-100 000 engange. Izinga ngonyaka ka-12%. Ngokugqithisileyo 0,033% ngosuku (12: 365). Formula (ukubalwa inzala mboleko) wayeza khangela ngolu hlobo:

100 000: 100 x 0.033 = 33 engange - isixa egqithisileyo ngosuku.

33 x 30 = 990 engange - isixa egqithisileyo ngenyanga.

Intlawulo minimum zingacwangciswa kwi imali engange 2,000. Ngenyanga yokuqala ngomhla lokuhlawula imali-mboleko iza kuhamba ngo-1100 engange, ngoko lo mali iya kuncitshiswa.

izohlwayo

Ukuba umxhamli ibhanki akakwazi ukuhlangabezana nezibophelelo zawo amatyala, iziko zemali unelungelo lokuba abize isohlwayo. Imiqathango kufuneka ochazwe kwisivumelwano. Isohlwayo ungaboniswa nokuba isixa semali okanye ngohlobo kwenzala. Ukuba isivumelwano ezicaciswe izohlwayo mali $ 100, umzekelo, i-zesixa sentlawulo ubuncinane elandelayo iya kubalwa ayikho nzima. Kuyimfuneko kuphela ukongeza $ 100.

izinto ezilukhuni, ukuba izohlwayo anikezwa ngohlobo kwenzala. Njengomthetho jikelele, ukubala lwenzeka ngokwesiseko imali eseleyo kangangexesha elithile. Umzekelo, i-client kwafuneka enze ukuya ku May 5, intlawulo ubuncinane engange-500, kodwa akazange. Ngokwesivumelwano, isohlwayo yi-5% yemali eseleyo. Ukubalwa intlawulo elandelayo iza kwenziwa ngolu hlobo lulandelayo:

500: 100 x 5 = 25 engange - isixa zesohlwayo.

De Juni 5 abaxhasi kuya kufuneka ukuba benze engange 1025 (ezimbini intlawulo ubuncinane engange 500 no-25 engange emihle).

Ngamafuphi

Ngokuzimela ukubala inzala kwimali-mboleko ilula. Enye kuphela ukuba bahlolisise ngenyameko imiqathango yesivumelwano kwaye usebenzise neefomula ezichazwe ngasentla. Ukuququzelela Ngumsebenzi iikhalityhuleyitha mboleko ezizodwa, apho thaca kwi-web sayithi kunye ezisemthethweni amaziko zemali. Kuyinto sinikhumbule avelise kuphela ukubala abonakalisa. Le mali ngqo kunokwahluka kuxhomekeke kwizinto ezininzi ezifana nexesha amatyala, isixa mali, njalo njalo. D. ezincane elithi mboleko, incinci kunye egqithisileyo.