Umzekelo, unayo iindleko zenyanga zesevisi, iindleko zokutya, okanye intlawulo yemoto. Inzala iyimicimbi yenyanga (ukuba ingeyo yonke imihla), kwaye ezo zibalo zihlala zifikelela kumaqela amaninzi malunga nenkqubo yonyaka.
Ingaba uhlawula umdla kwimali mboleko okanye ufumana inzala kwi-akhawunti yokulondoloza, inkqubo yokuguqula kwisantya sonyaka ukuya kwinqanaba lentlawulo yenyanga inye.
Ulwabiwo ngo-12
Isinyathelo sokuqala kukubala inzala yenyanga. Ukwenza njalo, ukwahlula isantya sonyaka nge-12 kwi-akhawunti kwiinyanga ezili-12 ngamnye nyaka (khangela isinyathelo 4 kumzekelo ongezantsi). Uya kufuneka uguqule ukusuka kwipesenti ukuya kwifomati yedatha ukuze uzalise la ma nyathelo. Ukwahlula ngamaxesha amaxesha: Uqale ngexesha elilodwa lonyaka, kwaye ukhangele iinyanga ezili-12. Incamango efanayo ingasetyenziswa kunye namanye amaxesha:
- Ngomlinganiselo wentshisekelo yansuku zonke, ukwahlula isantya sonyaka ngo-360 (okanye 365, kuxhomekeke kwibhankini yakho).
- Kwinqanaba lekota, kwahlula isantya sonyaka ngonyaka.
- Ngesilinganiso seveki, hlula ireyithi yonyaka ngo-52.
Umzekelo: cinga ukuba uhlawula umrhumo wenyanga ngenyanga kwi-10 ekhulwini ngonyaka. Iyintoni inzala yakho yenyanga nantoni na uya kuhlawula (okanye ufumane) kwi $ 100?
- Ukuguqula ireyithi yonyaka ukusuka kwipesenti ukuya kwifomati yedatha (ngokuhlukanisa ngama-100)
- 10/100 = 0.1 ngenyanga
- Hlukanisa umyinge we-12 ngonyaka
- 0.10 / 12 = =0083
- Bala inzala yenyanga ngenyanga kwi $ 100
- 0.0083 x $ 100 = $ 0.83
- Ukuguqula ireyithi yenyanga ngenyanga kwifomati yexesha elide ukuya kwipesenti (ngokuphindaphinda nge-100)
- 0.0083 x 100 = iipesenti ezingama-0.83 ngonyaka
Ufuna ispredishithi ngalo mzekelo uzaliswe kuwe? Khangela i-Free Sheet Monthly Example spreadsheet, kwaye wenze ikopi yephepha ukuze usebenzise amanani akho. Umzekelo ongentla ungona ndlela ebalulekileyo yokubala iintlawulo zenzalo zenyanga kunye neendleko zenyanga enye . Kodwa unokuba ufuna ukujonga umfanekiso omkhulu wezimali zakho. Ngeemali-mboleko ezininzi, i-loan balance balance changes every month. Ngoomoto, ekhaya, kunye nemali-mboleko yakho, uhlawula ngokukhawuleza imali yakho ngokwexesha, ngokugqithiseleyo ugqibe ngokulingana kwenyanga nganye.
Imali
Le nqubo ibizwa ngokuba yi-amortization, kwaye itheyibhile yokwenza imali iyakusiza ukubala (kwaye ikubonisa) ngokuqinisekileyo ukuba uhlawula njani inzala nganye ngenyanga. Emva kwexesha, uya kuqaphela ukuba iindleko zakho zenyanga zenzalo ziyancipha - kwaye inani eliya kubhaleni lakho lemalimboleko landa .
Ukubolekwa kwekhaya kuya kunzima. Kukulungele ukusebenzisa ishedyuli yohlengahlengiso ukuqonda iindleko zakho zomdla, kodwa ungadinga ukwenza umsebenzi owongezelelweyo ukufumana inani lakho langempela. Unokwazi u-APR kwi-mortgage yakho, kodwa i-APR ingaba neendleko ezongezelelweyo ngaphandle kweerhafu zemali (njengeendleko zokuvala). Kwakhona, isantya kwi- mortgage rate eguquguqukayo sinokutshintsha.
Ngeemakhadi zetyala, unokongeza iintlawulo ezintsha kwaye uhlawule amatyala amaninzi ngamaxesha ngenyanga.
Yonke loo nto inokwenza ukubala kunzima, kodwa kuyafuneka ukuba wazi ukuba inzala yakho yenyanga inikezela njani. Kwiimeko ezininzi, uya kusebenzisa ibhalansi yemihla ngemihla , isisombululo sokulinganisela kwemini nganye eyahlula ngenani leentsuku kwinyanga nganye (kunye neerhafu zezimali kubalwa usebenzisa ibhalansi yemihla ngemihla). Kwezinye iimeko, inzala ihlawuliswa imihla ngemihla (ngoko ubala inani lenzalo yansuku zonke - kungekhona isantya ngenyanga).
Nge-akhawunti yebhanki, inzala ingahlawulwa kwi-akhawunti yakho yenyanga, imihla ngemihla, okanye ngekota. Sebenzisa ukulinganisa okufanayo kuboniswe ngentla ukuguqula kwisantya (okanye enye) inzala kunye nokwandisa izinga ngokulinganisela kwe-akhawunti yakho. Qinisekisa ukusebenzisa i-interest rate kubalo bakho - kungekhona i- percentage yield yield (APY) .
Yenza i-akhawunti ye-akhawunti yokuqulunqa, inomdla oyifumanayo njengoko i-akhawunti yakho ikhula ngenxa yentlawulo yenzalo .
I-APY iya kuphakama kunezinga lakho langempela ngaphandle kokuba inzala ibandakanywe rhoqo ngonyaka, ngoko kuya kunika umphumo ongalungile. Oko kwathiwa, i-APY yenza kube lula ukufumana ngokukhawuleza ukuba uzakufumana phi ngonyaka ngonyaka we-akhawunti yokulondoloza ngaphandle kwezaziso okanye ukuhoxiswa.
IiNqanaba eziPeriyo
Njengoko ubona, inzala ingabalwa rhoqo ngenyanga, imihla ngemihla, okanye ngaphezu kweyiphi na ixesha. Naliphi na ixesha elisetyenzisiweyo, isantya oza kuyisebenzisa ekubaleni sibizwa ngokuba yi- interest rate periodic rate . Ngokuqhelekileyo uya kubona amazinga acatshulwe ngokwemilinganiselo yonyaka, ngoko kuya kufuneka uguquke kuye nawuphi na umlinganiselo wexesha elifanayo umbuzo wakho okanye umkhiqizo wakho wezezimali.