Ukuhlawula ibhalansi ngexesha
Ngokubolekwa kwemali-mboleko, kubandakanya imali yokubolekisa ekhaya kunye nemali-mboleko yemali, ngelixa intlawulo nganye yenyanga ihlala enye, inkokhelo yenziwe ngamalungu atshintsha ixesha. Inxalenye yentlawulo nganye iya ku:
- Iindleko zomdla (oko umboleki wakho ohlawulwa ngayo ).
- Ukunciphisa ibhalansi yakho yemali-mboleko (eyaziwa nangokuhlawula inqununu yemboleko).
Ekuqaleni kwemboleko, iindleko zomdla ziphezulu zazo. Ngokukodwa ngemali-mboleko yesikhathi eside, uninzi lwentlawulo nganye yenkcitho yenzalo, kwaye uhlawula kuphela inxalenye encinci yemali. Ngamanye amagama, awuyi kuqhuba inkqubela phambili kwinkokhelo enkulu yenkokhelo kwiminyaka yokuqala.
Njengoko ixesha liqhubeka, ininzi yentlawulo nganye iya kwinqununu yakho kwaye uhlawula ngokukodwa kwintlawulo nganye ngenyanga.
Iimali-mboleko zemali zenzelwe ukuhlawula ngokupheleleyo umrhumo wemali-mboleko ngokwexesha elimisiweyo lexesha . Intlawulo yakho yokugqibela mboleko iya kuhlawulela imali yokugqibela esele ityala lakho.
Ngokomzekelo, emva kweminyaka engama-30 (okanye iintlawulo zeenyanga ezili-360) uza kuhlawula umhlala-mali weminyaka engama-30.
Iintlawulo zakho zenyanga zemboleko azitshintshi; izibalo zisebenza nje ngokumalunga nezikweletu kunye neentlawulo eziphambili kwinyanga nganye de kube ityala liphela.
Iimali kwiNtshukumo
Ngamanye amaxesha kunceda ukubona amanani kunokuba ufunde malunga nenkqubo.
Skrolela ngasezantsi kweli phepha ukuze ubone umzekelo wemboleko yemoto ehambelanisiweyo. Itheyibhile engezantsi iyaziwa njengetafile yokwenza imali (okanye ishedyuli yohlengahlengiso), kwaye ezi tafile ziyakunceda uqonde indlela intlawulo nganye echaphazela ngayo imali mboleko, ubunjani obuhlawulayo kumdla, nokuba ungakanani na umbolekisi-mboleko nanini na ixesha.
Itheyibhile yoLungiso lweMamori
Itheyibhile engezantsi ibonisa ishedyuli yohlengahlengiso ekuqaleni nasekupheleni komboleko wemoto. Le mboleko yeminyaka engama-20,000 yeminyaka emihlanu ihlawulisa inzala ye-5% (ngeentlawulo zenyanga).
Ukubona ishedyuli epheleleyo okanye udale itafile yakho, sebenzisa i-calculator amortization calculator.
| Inyanga | Ukulinganisela (Qala) | Intlawulo | Nqununu | Inzala | Ukulinganisela (Ukuphela) |
|---|---|---|---|---|---|
| 1 | $ 20,000.00 | $ 377.42 | $ 294.09 | $ 83.33 | $ 19,705.91 |
| 2 | $ 19,705.91 | $ 377.42 | $ 295.32 | $ 82.11 | $ 19,410.59 |
| 3 | $ 19,410.59 | $ 377.42 | $ 296.55 | $ 80.88 | $ 19,114.04 |
| 4 | $ 19,114.04 | $ 377.42 | $ 297.78 | $ 79.64 | $ 18,816.26 |
| . . . . | . . . . | . . . . | . . . . | . . . . | . . . . |
| 57 | $ 1,494.10 | $ 377.42 | $ 371.20 | $ 6.23 | $ 1,122.90 |
| 58 | $ 1,122.90 | $ 377.42 | $ 372.75 | $ 4.68 | $ 750.16 |
| 59 | $ 750.16 | $ 377.42 | $ 374.30 | $ 3.13 | $ 375.86 |
| 60 | $ 375.86 | $ 377.42 | $ 374.29 | $ 1.57 | $ 0 |
Ukukhangela ukuhluthwa kwemali kunceda kakhulu ukuba ufuna ukuqonda indlela uboleka ngayo.
Iindleko eziyinyanisiweyo zokuboleka: Ngomfanekiso ocacileyo weengxowa-mboleko zakho, unokubona ngokucacileyo ukuba uhlawule ngokwenene inzala, endaweni yokugxila kwinkokhelo yenyanga.
Abathengi bavame ukwenza izigqibo ngokusekelwe kwintlawulo "yenyanga ehlawulwayo," kodwa iindleko zenzalo yindlela engcono yokulinganisa indleko yangempela yento oyithengayo. Ngamanye amaxesha inkokhelo ephantsi yenyanga nganye ithetha ukuba uya kuhlawula umdla, xa usula ixesha lokubuyisela, umzekelo.
Ukwenza isigqibo: Unokugqiba nokuba yiyiphi imboleko ekukhethiweyo xa ababolekisi banikela ngemigaqo eyahlukeneyo (ubuninzi obungayilondoloza ngenani lemali eliphantsi?). Ungakwazi nokubala ukuba ungalondoloza buninzi ngokuhlawula ityala kwangaphambili - uya kutyumfa zonke iindleko zentsalo ezisele ezithintela imali.
Ukujonga ngetyenziso, faka ishati nge-balance balance yakho njenge-X-axis kunye nexesha njenge-Y-axis engqambileyo, kunye nomgca wehla ukuya ngakwesokudla. Ngeemali-mboleko zesikhashana, umgca ungaphezulu ngqo. Ngeemali-mboleko zexesha elide, umgca ugxina xa ixesha liqhubeka.
Indlela yokuhlawula iMali yeMali: Ukubala
Kukho iindlela ezininzi zokufumana amatafula e-amortization (afana nalapha ngentla) ngemali mboleko yakho:
- Yakha itafile yakho ngesandla.
- Sebenzisa i-calculator ye-intanethi, eya kukudala itafile kuwe.
- Sebenzisa amaspredishithi ukudala iishedyuli zamashishini kunye nokukunceda uhlalutye imali.
Izibalo ze-intanethi kunye nezipredishithi zidla ngokulula ukusebenzisana nazo, kwaye unako ukukopa nokunamathisela umbane we-calculator online kwi-spreadsheet ukuba ukhetha ukungazakheli umzekelo wonke ukususela ekuqaleni.
Inkokhelo yenyanga: Ngokubolekwa kwemali-mboleko, ukuqikelela ukuba intlawulo iyimathematika kuphela . Intlawulo isekelwe kwimali yemboleko, inzala , kunye neminyaka emingakanani yemboleko. Ezi zithako ezintathu zisebenza kunye ukuchaphazela ukuba uhlawula phi inyanga kunye nokuba unomdla onjani oza kuwuhlawula.
Ukunciphisa umlinganiselo wenzala kunokunciphisa intlawulo yakho, kwaye kukunceda ugcine imali. Ukugqithisa imali mboleko ngexesha elide liza kunciphisa intlawulo yakho, kodwa uya kugqiba ukuhlawula ngaphezulu inzala kwimpilo mboleko.
Ukuqulunqa imboleko, sebenzisa itheyibhile ngasentla njengomzekelo, kwaye uzalise amanyathelo alandelayo:
- Qaphela ukuba uqala ukulinganisela kwemali: $ 20,000
- Bonisa umrhumo (ukubala okuboniswe kweli phepha ): $ 377.42
- Bonisa umrhumo wenzalo kwixesha ngalinye, ngokuqhelekileyo ngenyanga ( kubalwe kuboniswe ): $ 83.33 ngenyanga yokuqala
- Susa inkokhelo yenzalo evela kwintlawulo yakho; intsalela yintlawulo yenqununu oyakuhlawula leyo nyanga: $ 294.09 ngenyanga yokuqala
- Ukunciphisa ibhalansi yemboleko ngemali yenqununu oyihlawule yona. Uya kufumana i $ 19,705.91 emva kokuhlawulwa kwakho kokuqala
- Qala ngeenyanga ezilandelayo: $ 19,705.91 ibhalansi yemboleko kwinyanga yesibini
Iintlobo zeeMali eziMali
Kukho iintlobo ezininzi zeemali-mboleko ezikhoyo, kwaye awona onke asebenza ngendlela efanayo. Nawuphi na umboleko wentengo uhlawulelwe kwaye uhlawula ibhalansi ukuya kutsho emva kwexesha kunye neentlawulo zezinga.
- Imali-mboleko yemoto ngokuqhelekileyo isininzi kwiminyaka emihlanu (okanye emfutshane). Enyanisweni, abanye abantu, kuquka abathengi kunye nabathengisi bemoto, bacinga ngokuthenga i-auto ngokwemali yenyanga yedwa. Iimali-mboleko ezinde zikhoyo, kodwa unobungozi bokuhlawula umbolekiso wakho , oku kuthetha ukuba imali yakho mboleko idlula ixabiso lemoto yakho yokubuyisela imali xa ululalisa izinto ixesha elide ukufumana intlawulo ephantsi. Ngaphezulu, uya kuchitha ngaphezulu kwenzalo.
- Imali-mboleko yasekhaya iqhelekile ngeminyaka eyi-15 okanye iminyaka engama-30 emithwalo-mboleko . Uninzi lwabantu alugcini imali mboleko kudala- bayayithengisa ikhaya okanye bahlaziye imali mboleko ngexesha elithile - kodwa le mboleko isebenza ngathi uya kubagcina ixesha elipheleleyo.
- Imboleko mboleko oyifumana kwi-bhanki, umanyano wemboleko, okanye umboleki we-intanethi ngokuqhelekileyo ngokubolekwa kwemali mboleko. Ngokuqhelekileyo banamagama eminyaka emithathu, iirhafu ezizinzileyo, kunye neentlawulo zenyanga. Ezi mboleko zivame ukusetyenziswa kwiiprojekthi ezincinane okanye ukuhlanganiswa kwetyala .
Imali Engazange Yenze Imali
- Amakhadi eemboleko ayikho imali ebolekisayo. Unokuboleka ngokuphindaphindiweyo kwikhadi elifanayo, kwaye ufumane ukukhetha ukuba uza kuhlawula phi inyanga nganye (ngokukhawuleza xa ufumana inkokhelo encinci - kodwa enye ingcono ). Ezi ntlobo zemali-mboleko nazo ziyaziwa njengetyala elivukelayo .
- Inzala kuphela imali ayibolekangayo, mhlawumbi kungekhona ekuqaleni . Ngethuba lexesha "inzala kuphela" uya kuhlawula kuphela inqununu ukuba wenze iintlawulo ezongezelelweyo ezongezelelweyo ngaphaya nangaphezulu kweendleko zenzala.
- Iimali-mboleko zebhaluni zifuna ukuba wenze inkokhelo enkulu yenqununu ekupheleni komboleko wemboleko . Ngethuba leminyaka yokuqala yemboleko, uza kwenza iintlawulo ezincinci, kodwa yonke imali ebolekayo ifikelele ekugqibeleni. Kwiimeko ezininzi, uya kuhlaziya ibhaluni yokuhlawulwa, ngaphandle kokuba unesixa esikhulu semali ngesandla.