Unomdla omncinci oza kuhlawulwa kuqala uza kugqiba xa ufuna ukuba inkokhelo yakho yokuqala iqale. Abaninzi abbolekayo bakhetha ukwenza inkokhelo yokubolekwa kwemali kwinyanga yokuqala.
Abanye bakhetha i-15. Ngamanye amaxesha ababolekisi bayakukhetha loo mhla wokuhlawula, ngoko ubuze ukuba unokhetho.
Inzala ihlawulwa kwiiNkcitho
EUnited States, inzala ihlawulwa kwiimbuyiselo. Oku kuthetha ukuba inkokhelo yakho inqununu kunye nenzala iya kuhlawula umdla kwixesha leentsuku ezingama-30 ngokukhawuleza kwandulela intlawulo yakho. Ukuba uthengisa ikhaya lakho, umzekelo, i-arhente yakho yokuvala iya kudosa umrhumo ofumana umxhamli , oya kuqokelela inzala engenakuhlawulwa. Masiqwalasele ngakumbi.
Ngokomzekelo, tshatha imali yakho ye-599.55 yeeRandi ngenxa yeDisemba 1. Ibhalansi yakho yemalimboli i-$ 100,000, inomdla ngowama-6% ngonyaka, kwaye ihlawulwe ngaphezu kweminyaka engama-30. Xa wenza inkokhelo yakho ngo-Disemba 1, uhlawula umdla kwinyanga yonke kaNovemba, zonke iintsuku ezingama-30.
Ukuba uvala umboleko wakho ngo-Oktobha 15, uya kuhlawula umdla ukusuka ngo-Oktobha 15 ukuya ku-Oktobha 31 ukuya kumboleki. Kungathi ngathi ufumana iintsuku ezingama-45 ngaphandle kwentlawulo ngaphambi kokuhlawulwa kwakho kokuqala ngomhla kaDisemba 1, kodwa awukho.
Uya kuhlawula iintsuku ezili-15 zomdla ngaphambi kokuba uvale kunye nezinye iintsuku ezingama-30 zomdla xa wenza intlawulo yakho yokuqala.
Ikhompyutheni Yakho Inkokhelo Engahlawulwanga
Ukuba ufuna ukwazi i-balance balance loan yakho ehlawulwe emva kokuba wenze imali yokuqala yokuhlawula imali , kulula ukuyifumana. Okokuqala, thabatha ibhalansi yakho yemali eyimali-mboleko ye-100,000 yee-dollar uze ukwandise amaxesha akho ama-6% enzala yonyaka.
Inani lemali yonyaka liyi $ 6,000. Ukwahlula isibalo sonyaka senzalo ngeenyanga ezili-12 ukufika kwintlawulo yenyanga. Eli nani li $ 500.00.
Ukususela ngo-Disemba 1 ukuhlawulwa kwemali oyi-$ 599.55, ukuba ufumane isahlulo esiyinhloko sale ntlawulo, uya kuthatha inamba yenzalo yenyanga (i-$ 500) ukusuka kwinqununu kunye nentlawulo yenzala ($ 599.55). Isiphumo si $ 99.55, esiyinxalenye eyinxalenye yentlawulo yakho.
Ngoku, susa i-$ 99.55 inqununu yesahlulo ehlawulwe kwi-balance balance engayikhokhelwa eyi-$ 100,000. Lelo nani li-$ 99,900.45, eli li-balance balance non-payable elalikhokhelwa ngomhla kaDisemba 1. Ukuba uhlawula imali mboleko, kufuneka ungeze inzala yansuku zonke kwibhalansi engakhokhelwa kuze kube yimini umniki-mboleko ufumana imali ehlawulwayo.
Qaphela: Ngentlawulo nganye elandelelanayo, ibhalansi yakho inqununu engakhokhelwa iya kuhlawulela ngexabiso elincinci lokunciphisa inqununu kunyaka odlulileyo. Kungenxa yokuba nangona ibhalansi engakhokhelwa ibalwa ngokusetyenziswa kwendlela enye ngenyanga, inxalenye yakho eyintloko yenkokhelo yenyanga iya kunyuka ngelixa inxalenye yenzalo iya kuba yincinci.
Uyazi ngoku ukuba ibhalansi yakho yesiqununu engakhokhelwa emva kwentlawulo yakho ye-December iya kuba ngu-99,900.45. Ukufumana ibhalansi yakho eseleyo emva kokuhlawulwa kwakho kwe-1 Januwari, uya kuwubala ngokusebenzisa ibhalansi entsha engakhokhelwa:
- $ 99,900.45 x interest 6% = $ 5,994.03 รท ngeenyanga ezili-12 = $ 499.50 inzala ngenxa kaDisemba. Ukuhlawulwa kwakho kweJanuwari kufana nokuhlawulwa kwakho kwe-Disemba 1 kuba ihlisiwe. Ngu $ 599.55. Uya kususa intshisekelo ngenxa yeDisemba ye $ 499.50 ukusuka kwintlawulo yakho. Okushiya i-100.05 ihlawulwe iinqununu ngemali mboleko yakho.
- Ibhalansi yakho ngo-Disemba 1 yi-$ 99,900.45, apho ususa khona inxalenye eyintloko ye-January 1 yentlawulo ye-100.05. Oku kufana ne-$ 99,800.40 njenge-balance balance yakho entsha.
Inqaku leNkcazo yemihla ngemihla
Ukuqulunqa inzala yemihla ngemihla yemali yokubolekisa ngemali mboleko, thabatha ibhalansi yinqununu ngamaxesha enzala kunye nokwahlula ngeenyanga ezili-12, eziza kukunika inzala yenyanga. Emva koko uzahlula inzala yenyanga nganye ngeentsuku ezingama-30, eziza kulingana nomdla wemihla ngemihla.
Yithi, umzekelo, ukuba umalume wakho ukunika i-$ 100,000 kwi-Eve yeNtsha entsha kwaye ugqiba ukuhlawula imali yakho yokuthenga ngemali ngoJanuwari 5.
Uyazi uya kuba netyala lika-99,800.40 ngoJanuwari 1. Kodwa uya kuhlawulwa iintsuku ezingama-5. Ingaba yimalini oko?
- $ 99,800.40 x 6% = $ 5,988.02. Ukwahlula ngeenyanga ezili-12 = $ 499. Ukwahlula ngeentsuku ezingama-30 = $ 16.63 x 5 iintsuku = $ 83.17 inzala ngenxa yeentsuku ezintlanu.
- Uya kuthumela i-lender $ 99,800.40 kunye ne-83.17 ye-intanethi inzala yentlawulo eyi-$ 99,883.57.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, CalBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.