Ezi ziCalator zibonisa indlela asebenza ngayo amatyala
Izibalo zikulungele ukufumana impendulo ngokukhawuleza. Benza kube lula ukwenza ntoni-ukuba zibalo, ezinokukunceda uqonde ngokwenene mboleko yakho kunye nendlela izigqibo zakho ezichaphazela ngayo imali yakho.
Umzekelo, unokuthelekisa okwenzekayo xa uboleka ngaphantsi kancane, okanye kwenzekani xa ufumana inzala engaphantsi.
Imali eyahlukeneyo, izibalo ezahlukeneyo
Ngaphambi kokuba uqale ukubala iintlawulo, kufuneka ukwazi ukuba uluphi uhlobo lomboleko oyisebenzisayo. Usebenzisa ukubala okuhlukeneyo (okanye ukubala) kwiimali-mboleko ezahlukeneyo. Ngokomzekelo, ngemali-mboleko kuphela, awuhlawuli nayiphi na ityala kwiminyaka yokuqala-nguwe kuphela "inkonzo" mboleko ngokuhlawula umdla. Ezinye iimali-mboleko zibolekwa ngemali-mboleko, apho uhlawula phantsi ibhalansi yemboleko malunga nexesha elimiselweyo (njengemali- mboleko yeminyaka emihlanu).
Sebenzisa i-calculator yomthamo oyimfuneko: Kwiinkalo-mboleko zekhaya kunye ne-auto Lezibalo ze-Google ziza kuthatha izibalo kuwe, ngoko ke akudingeki wenze izibalo ngesandla.
Yakha i-spreadsheet: Unokwakha kwakhona iipredishithi eziphambili kwiinkqubo ezifana ne-Google AmaSpredishithi kunye ne-Microsoft Excel ukwenza izibalo kwaye ubonise indlela umbolekisi usebenza ngayo ngonyaka.
Bona iinkcukacha ezongezelelweyo malunga nokusebenzisa ispredishithi yemali-mboleko yemigangatho ejwayelekile (kuquka imali-mboleko yemali, iimali-mboleko zasekhaya, kunye nemali mboleko ).
Ukuba oko akusebenzi, ungakhathazeki-siza kubhalela ezinye izibalo zokuhlawula apha.
Umrhumo weMali yokuThengisa iMali yeMali
Le fomula isebenza kwimali-mboleko emininzi, ebandakanya iimali-mboleko-ngaphandle kwamakhadi-mboleko kunye nemali-mboleko kuphela.
Ukuhlawulwa kwemali-mboleko = Ixabiso / iNkcazo yokuThengisa
okanye
P = A / D
Ufuna amanani alandelayo:
- Inani leentlawulo zemihla ( n ) = Iintlawulo zonyaka ngamaxesha enani leminyaka
- Ireyithi yeNzala ( i ) = Ireyithi yonyaka ihlukaniswe ngamaxesha okuhlawula
- Isaphulelo ( D ) = {[(1 + i) ^ n] - 1} / [i (1 + i) ^ n]
Umzekelo: Ukubalwa kweMali yokuTyala
Cinga ukuba uboleke i-$ 100,000 kwi-6 ekhulwini ngeminyaka engama-30, uhlawulelwe ngenyanga. Iyintoni intlawulo yenyanga?
- n = 360 (iminyaka engama-30 ngokuphindwe ngama-12 iintlawulo zenyanga ngenyanga)
- i =. I-005 (iipesenti ezi-6 ngonyaka zichazwe njenge -06, ezahlula ngeenyanga ezili-12 iintlawulo ngonyaka-funda indlela yokuguqula iipesenti ukuya kufomati yedatha )
- D = 166.7916 ({[(1 + .005) ^ 360] - 1} / [.005 (1 + .005) ^ 360])
- P = A / D = 100,000 / 166.7916 = 599.55
Intlawulo nganye ngenyanga i-$ 599.55. Hlola izibalo zakho nge-calculator yokukhokha inthanethi.
Inzala-kuphela Imali yokuThengwa kweMali
Ukubalwa kwemali mboleko yemali-mboleko yenzalo kuphela kulula. Yandisa inani oboleka ngalo ngenani lemali yonyaka. Emva koko uzahlula inani lenkokhelo ngonyaka. Kukho ezinye iindlela zokufika kwisiphumo esifanayo.
Umzekelo (usebenzisa umboleko ofanayo njengentla ngasentla): ama-100 000 amaxesha .06 = $ 6,000 ngonyaka ngomdla. Ama-6,000 ahlukeneyo ngama-12 alingana neentlawulo zama-500 ngenyanga.
Hlola izibalo zakho ne-Interest Only Calculator kwi-Google AmaSpredishithi.
Ukucinga ukuba awuzange wenze iintlawulo ezongezelelweyo zokunciphisa ibhalansi enqununu, intlawulo yakho yenyanga iya kuhlala iyafana. Nangona kunjalo, kuya kufuneka uhlawule loo mboleko ngenye imini. Umzekelo, unokwenza ukuba uqale ukwenza ukuhlawulwa kwemali emva kokuqala kweminyaka elishumi, okanye ungadinga ukuhlawula ibhaluni ngenye indlela ukulahla ityala.
Inani lokuThawula ngeKhadi leMatyala
Amakhadi eitaliti abuye alula. Ababolekisi basebenzisa i-formula ukuba bafumane ubuncinane bakho ntlawulo yenyanga . Umzekelo, umnikeli wakho wekhadi unokufuna ukuba uhlawule ubuncinane ama-3 ekhulwini kwirejista yakho ephumayo nganye ngenyanga, ubuncinane ubuncinane be-$ 25 (nokuba yiyiphi enye). Ngokuqinisekileyo, kulungile ukuhlawula ngaphezu kokuncinci , kodwa yile mali omele uyihlawule ukuhlala ngaphandle kwengxaki.
Umzekelo: Cinga ukuba unetyala lika-7,000 kwi-card yakho yekhredithi. Inkokhelo yakho encinci ibalwa njengama-3 ekhulwini lakho lemali:
- Intlawulo = Iimfuno ezifunekayo x Ukulinganisela
- Intlawulo = .03 x $ 7,000
- Intlawulo = $ 210
Hlola izibalo zakho nge-Pay Card Payment Calculator kwi-Google AmaSpredishithi.
Kodwa kwenzeka ntoni ngenyanga elandelayo? Iintlawulo zenkokhelo zekhadi lakho lekhredithi inyanga nganye, kwaye ungasebenzisa ngaphezulu ekhadini lakho emva kokuba wenze intlawulo. Kwiimeko ezininzi, ubuncinane bunjalo busebenzayo: Ipesenteji yebhanti yakho yemali-mboleko iyimfuneko.
Ukufumana iinkcukacha ezithe vetshe, funda isifundo ngokubala iikhodi zekhadi lakho kunye nendlela intlawulo nganye echaphazela ngayo ibhalansi yakho.
Inzala kunye neNdleko yoLuntu yeNkcitho
Inkokhelo yakho yenyanga ngokuqinisekileyo ibalulekile. Ukuba awunayo ukuhamba kwemali kwiintlawulo, awukwazi ukuthenga. Kodwa inkokhelo akufanele ibe yinto ebalulekileyo yerhwebo. Ngokuqhelekileyo kubaluleke kakhulu ukugxila kwi:
- Intengo yokuthenga
- Isixa oza kuhlawula ngenzala ngaphezu kobomi bemboleko yakho
- Imali oyihlawulayo ukuboleka imali
Ezi zinto zintathu zidibaniseneyo zenza ixabiso lilonke lento enithengayo. Kodwa kunzima ukuqonda ngokuthe ngqo ukuba uhlawula phi xa unemivuzo emininzi kwimithombo eyahlukeneyo-apho apho kubalwa khona izibalo eziphezulu. Ngokomzekelo, i-calculator yokwenza imali ekhankanywe ngasentla idibanisa iindleko zemihla ngemihla yemali mboleko yakho, kwaye ibonisa indlela ochitha ngayo inzala nganye nyanga.
APR: Ipesenti yepesenti yonyaka (APR) yinye ithuluzi eluncedo ekuqhathaniseni izindleko zemboleko. Kwii-mortgages, i-APR ixabisa iindleko zangaphambili ( iindleko zokuvala ) ukongeza kwinqanaba lomdla olihlawula ngalo imali. Ngenxa yoko, ufikelela kufutshane nokuthelekisa i-apula-apples phakathi kwababolekisi. Kodwa i-APR encinane ayisoloko iyimali-mboleko engcono kakhulu , kwaye izibalo ezingasentla zingakuxelela ukuba kutheni. Njengomthetho wesithupha, ukuhlawula phambili kwemali yokuthengiselana kungenzi umonakalo omncinci kwimali-mboleko ohlala kuyo ixesha elide.
Indlela Yokufumana I-Best Deal Deal
Inkokhelo yakho yenyanga iyisiphumo semali mboleko, inzala, kunye nobude bemboleko yakho . Abathengisi (kubandakanywa nabathengisi) bangenza izinto zijikeleze ukwenza ukuba kubonakale sengathi ufumana into enhle-nangona awukho.
Ngokomzekelo, abanye abathengisi bezithuthi bafuna ukuba ugxininise kuphela kwintlawulo yenyanga: Uninzi kangakanani unokuyithenga ngenyanga? Ngolwazi, banokukuthengisa phantse nantoni na kwaye bayayifaka kwi-budget yakho yenyanga. Kodwa awunyanzelanga ukuba ufumane intsebenziswano enhle, kwaye iindleko zemboleko yakho ziyakwandisa ngokukhawuleza inani eliphelayo ekugqibeleni ukuhlawula imoto yakho.
Bazenza njani? Enye yeendlela ezilula ukululawula umboleko ngeminyaka embalwa emininzi: Esikhundleni semboleko yeminyaka emine okanye emihlanu, baya kunika imali mboleko yeminyaka emithathu kunye neentlawulo eziphantsi kwenyanga. Ngelishwa, ukunweba imali mboleko kuthetha ukuba uza kuhlawula ngakumbi inzala ngaphezu kobomi bembolekiso-ngokufanelekileyo ukuhlawula ngakumbi nangayiphi na into oyithenge.
Ngokuqinisekileyo uya kuba bhetele xa uthetha ngexabiso lokuthenga, endaweni yokuhlawula rhoqo ngenyanga. Unako ukuboleka kuyo nayiphi na indawo oyifunayo: kuyo nayiphina ibhanki, umanyano wemboleko , okanye umboleki-ntanethi . Akudingeki ukuba uthembele kumthengisi wemoto ukuze uhlawule imali. Ngeke uhlale ufumana intlawulo engaphantsi kwenyanga ngale ndlela (ngoko kungenakuvakalelwa ngathi wenza ngcono), kodwa mhlawumbi uya kuchitha imali encinane.
Ukuqhubela phambili ukunciphisa iindleko zakho, hlawula ityala lakho ekuqaleni . Ngaphandle kokuba kungekho nhlawulo yokuhlawulwa kwangaphambili , ungagcina inzala ngokuhlawula inyanga nganye okanye ngokwenza inkokhelo enkulu yokuhlawula. Ngokuxhomekeke kwimboleko yakho, iintlawulo zakho zenyanga ezifunekayo ziya phambili okanye zinokuthi zitshintshe -jonga umboleki wakho ngaphambi kokuba uhlawule.
Qaphela: Naliphi na ixesha ubala imali yokubolekisa imali kunye neendleko, kufuneka uqikelele iziphumo ukuqikelela. Iinkcukacha zokugqibela zinokuhluka ngokuxhomekeka kwiingcamango zakho ezisebenzisayo, kodwa uya kufumana ulwazi oluxabisekileyo.