Iingcebiso ze-DIY, amaFomula kunye nezixhobo
- Ukuphendula ngokukhawuleza, sebenzisa iteknoloji. Iikhowudi ze-intanethi kunye neengcebiso zepredishithi ezingezantsi zenza umsebenzi okhawulezileyo wokubala.
- Ukuqonda iinkcukacha, yenza ubuncinane inxalenye ethile yezibalo ngokwakho. Uya kwenza izigqibo ezinolwazi xa uqonda amanani.
Iintlobo zenzalo: Ukuze ufumane ulwazi oluchanekileyo, kufuneka uqonde ngokucacileyo indlela inzala ehlawulweyo ngayo, kwaye kuxhomekeke kwimboleko embuzweni kunye nemithetho yomboleki.
Ngokomzekelo, amakhadi ekwereta ahlala ehlawula umdla imihla ngemihla-ke uhlawula ukuhlawula ngokukhawuleza. Abanye ababolekisi bangakwazi ukubala inzala nganye ngenyanga okanye ngonyaka. Le ngcaciso ibalulekile kuba kufuneka usebenzise amanani afanelekileyo kubalo bakho. Ababoleki bacaphula amazinga omyinge njengehoyithi yepesenti yonyaka (APR) . Kodwa ukuba uhlawula umrhumo wenyanga, kuya kufuneka uguqule ireyithi kwinqanaba leenyanga ngokuhlula ngo-12 ngokubala kwakho (umzekelo, isilinganiso se-12% sonyaka siba yi-1% ngenyanga).
Izibalo kunye namaSpredishithi
Ukuba ufuna ukukwenza njengemibalo encinane kangangoko kunokwenzeka, kukho iindlela ezimbini zokusebenzisa inzululwazi:
- Iipredishithi ezifana ne-Microsoft Excel, i-Google AmaSpredishithi kunye nabanye benza kube lula ukwakha imodeli yemboleko yakho. Jonga kakuhle indlela yokubala nge-spreadsheet (ngeendlela ezilula ukulandela kunye nezifanekiso zamahhala). Ngomzekelo oyisiseko, unokutshintsha iimpembelelo ukuze ubone indlela obolekileyo ngayo iimali mboleko, kwaye unokujonga iindleko zenkalo yokuphila.
- Imali yokubala yemali yokuboleka imali yenza konke kuwe. Kuya kubala intlawulo yakho yenyanga, bonise ukuba unomdla kangakanani kwinkokhelo nganye, kwaye ubonise ukuba uhlawula bunjani ibhalansi yakho nyanga zonke. Khuphela kwaye unamathisele umkhiqizo kwispredishithi ukuba ufuna ukuhlalutya ngakumbi.
Indlela yokubala inzala yakho
Awufuni ukusebenzisa i-spreadsheet okanye i-calculator?
Unokwenza konke ngesandla-okanye ubuncinane ukwakha ispredishithi ngesandla. Uya kuba ngumsebenzi wokuqonda iindleko zenzalo.
Kwikhaya eliqhelekileyo, imoto, kunye neengxowa-mboleko zabafundi , indlela efanelekileyo yokwenza oku kukukwakha itafile yokumisela . Le tafile ichaza yonke inkokhelo, inzala yenyanga kunye neenqununu, kunye ne-balance balance loan yakho nawuphi na ixesha (njengesepredishithi okanye i-calculator efanelekileyo). Ukugqiba ukubala, uya kufuna iimpawu ezininzi zolwazi:
- Inzala yomyinge
- Ubude bexesha elibolekileyo mboleko
- Ibhalansi yemboleko yokuba uhlawula umdla kwi (eyaziwa njengenqununu )
- Intlawulo yenyanga (jonga indlela yokubala iintlawulo ezingezantsi)
Ukulinganisela okukhawulezayo kweendleko zentshisekelo, ukubalwa kwesithakazelo esilula kunokukwenza ukuba "uvale ngokwaneleyo."
Umzekelo onomdla : Cinga ukuba uboleka i-$ 100 kuma-6 ekhulwini kunyaka owodwa. Unomvuzo onjani oza kuwuhlawula?
Ifomula yenzalo elula yile:
- Inzala = Inqununu x umlinganiselo x ixesha
- Inzala = $ 100 x .06 x 1
- Inzala = $ 6
Uninzi lwemali-mboleko alunjalo. Uhlawula iminyaka emininzi, kwaye inzala ihlawulwa rhoqo ngonyaka, ngamanye amaxesha idibanisa kwaye ibangela ukuba ibhalansi yakho ikhule .
Umzekelo wangempela-mzekelo: Cinga ukuba uboleka i-$ 100,000 kuma-6 ekhulwini kwi-APR ukuya kuhlawulwa ngenyanga engaphezu kweminyaka engama-30.
Unomvuzo onjani oza kuwuhlawula?
Cinga ukuba le mboleko yemali ejwayelekile, njengemali mboleko yasekhaya.
Inqaku: Intlawulo yenyanga nganye i-599.55.
Uyakuhlawula ngokwenene umlinganiselo wenzalo nganye nyanga-ngokufanelekileyo, inani liyancipha inyanga nganye. Ezi mboleko zihamba kwinkqubo ebizwa ngokuba yi-amortization , eyanciphisa ibhalansi yakho mboleko emva kwexesha.
Itafile ephantsi kweli phepha ibonisa indlela ukubala kwakho kwemali mboleko kubonakala ngayo. Inzala epheleleyo kwiintlawulo zokuqala ezintathu i $ 1,498.50 (i-$ 500 + $ 499.50 + $ 499). Ukwakha loo tafile ngokwakho, sebenzisa amanyathelo angezantsi:
- Bala intlawulo yenyanga. Ngeengcebiso, jonga indlela yokubala iintlawulo zemiboleko .
- Ukuguqula isantya sonyaka kwinqanaba leenyanga ngokuhlula ngama-12 (ama-6 ekhulwini ngonyaka ahlukaniswe ziinyanga ezili-12 kukhokelela kwi-0.5 yepesenti ngenyanga).
- Ukubonisa umyinge wenyanga ngokuphindaphinda umlinganiselo wenyanga ngenyanga nge-balance balance (ekuqaleni kweenyanga) ii-0.5 zeepesenti zama-100,000 zamawaka ezilingana ne-$ 500 ngenyanga yokuqala).
- Ukukhupha iindleko zomdla kwiintlawulo zenyanga. Qhubeka uhamba ngekholamu eyongezelelweyo ukuba ufuna ukulandelela umdla malunga nexesha.
- Faka isicelo esisele kwinkokhelo yenyanga yenyanga kwinkokhelo enqununu. Yile ndlela uyanciphisa ngayo ibhalansi yakho mboleko: Ngentlawulo yintloko.
- Bala i-balance balance loan yakho.
- Khuphela i-balance balance loan ukuya ekuqaleni komgca olandelayo.
- Phinda amanyathelo amabini ukuya kwi sibhozo de mali ihlawulwe.
Uya kubona ukuba inxalenye yentlawulo nganye iya kwiindleko zenzalo, ngelixa abanye behlawula ibhalansi yemboleko. Intlawulo kwiminyaka yokuqala ihamba neendleko zakho, kwaye oku kuyinyaniso ngokukodwa kwimali-mboleko yesikhathi eside. Ngokuhamba kwexesha, inxaxheba yinciphisa, kwaye uhlawula umboleko ngokukhawuleza.
Bala i-Interest Card Card
Ngama-credit cards, ukubalwa kuyafana, kodwa kunokuba nzima. Umnikeli wakho wekhadi angasebenzisa enye yeendlela ezahlukeneyo zokubala iintlawulo zenzalo kunye neentlawulo ezincinci. Ezi ndlela zincwadi zokuthenga kunye neentlawulo ezenzeka kulo lonke inyanga, kunye neendlela zokukhupha amakhadi ekuveliseni inzuzo.
Ukufumana umzekelo ocacileyo wokubala ukuba inzala, iintlawulo, kunye netyala lekhadi lesikweletu, bona i- Calculate Payment & Costs Card Card .
Bala iRhafu yeMali yeMali
Ukuba ufuna ukubala inzala yemali-mboleko-xa ichasene neendleko zenzalo -Funda indlela yokubala amaxabiso enzala.
Intlawulo yeMali
Inzala ngokuphumelelayo iphakamisa intengo yezinto ozithengayo, nokuba iyindlu entsha, imoto okanye izixhobo kwishishini lakho. Kwezinye iimeko, loo ndleko yenzalo ihlawulwe irhafu-esinye esinye isizathu sokuba singabahoyi. Kwezinye iimeko, inzala yintlawulo ohlawulayo yokusebenzisa imali yomnye umntu.
Ukuze uqonde iimali zakho, kulungile ukubala iindleko zentsalo naliphi na ixesha obolekayo. Oku kukuvumela ukuba uqhathanise iindleko zemali-mboleko eyahlukileyo, kwaye kuya kukukunceda ukuba uhlole izigqibo ezinkulu ezifana nokuba ungakanani uchitha kwizindlu okanye ngemoto. Unokuqhathanisa nabathengi, ukhethe phakathi kwemigangatho emide okanye emfutshane emalimboleko , kwaye ufumanisa ukuba inani lenzala lithintela njani iindleko zenzalo zakho.
Itheyibhile yoLungiso lweMamori
| Ikhefu | Ukuqala ibhalansi | Intlawulo | Inzala | Nqununu | Ukuhlala okuLungeleleneyo |
| 1 | 100,000 | 599.55 | 500 | 99.55 | 99,900.44 |
| 2 | 99,900.44 | 599.55 | 499.50 | 100.04 | 99,800.39 |
| 3 | 99,800.39 | 599.55 | 499.00 | 100.54 | 99699.84 |
| ... | ... | ... | ... | ... | ... |