Umthetho we-72 yi-Quick Calculation ukuze ubone indlela okukhawuleza ngayo imali yakho
Ingqungquthela yenkcazelo oyifunayo kule kubalo yintlawulo yokubuya yonyaka, nangona ukuba wenze izibalo, mhlawumbi ufuna i-calculator.
Nangona ininzi-mali ingenalo izinga elimisiweyo lokubuyela kwixesha elide, ungasebenzisa uqikelelo oluqhelekileyo ukuze ufumane ingcamango enhle yokuba uza kuthatha ixesha elide ukuba uhlawule imali yakho.
Indlela yokusebenzisa uMthetho wama-72
Ukuqikelela ukuba kuthatha ixesha elide ukwenzela ukuba imali yakho iphindwe kabini, kwahlula i-72 ngenani lentengo . Isiphumo kukuba iminyaka emininzi iya kuthatha ukuba imali yakho iphindwe kabini kuloo nqanaba.
Ngokomzekelo, masicinge ukuba unako ukufumana intlawulo ye-6% yentlawulo. Kuya kuthatha ixesha elingakanani i-$ 1,000 ukukhula ibe yi-$ 2,000? Nantsi ukulinganisa:
72/6 = iminyaka eyi-12
Kulo mzekelo, ukuba utyalomali i-$ 1,000 kwi-akhawunti efumene i-flat rate ye-6% yonyaka, emva kweminyaka engama-12, utyalo-mali lwakho luya kufikelela kwi-$ 2,000.
Umthetho we-72 ngeNqanaba leNzala
Ukukugcina ixesha elincinane, nantsi iirhafu zentshisekelo eziqhelekileyo, kunye nomlinganiselo wexesha eliza kuthatha ukuba uhlawule ngokutsha utyalomali lwakho ngenani lentlawulo nganye:
1% - 72 iminyaka
2% - iminyaka engama-36
3% - iminyaka engama-24
4% - 18
5% - 14 iminyaka
6% - 12 iminyaka
7% - 10.3 iminyaka
8% - 9.0 iminyaka
9% - 8.0 iminyaka
10% - iminyaka engama-7.2
11% - 6.5 iminyaka
12% - 6.0 iminyaka
Khumbula, Kuphela Ukulinganisela
Gcina ukhumbule ukuba oku kungokukhawuleza okukhawulezayo.
Ngokuxhomekeke kutshintsho kwizinga lokubuyela emva kwexesha, yintoni otyalomalileyo, indlela otyalomalileyo, indlela esetyenziswa ngayo umdla, kunye nempembelelo enokwenzeka yerhafu, inani langempela lexesha elifunekayo ukuphinda kabini imali yakho liyahluka.
Nangona kunjalo, ulawulo lwe-72 lunokukunceda xa ufuna ukuthelekisa ngokukhawuleza izinga lokukhula kwamatyala amabini.
Ulawulo lwe-72 lusebenza kwakhona ekutshintsheni - lunokuba luncedo ekuqondeni amandla okunyuka kwamaxabiso. Ukuba ucinga ukuba izinga elide elide lokunyuka kwamaxabiso liphakathi kwe-3% kunye ne-4%, uya kuphawula xa usebenzisa umgaqo-72 ukuba into exabisa i-$ 100 namhlanje iya kubiza i-$ 200 kwiminyaka engama-20.
Oku kunokukunceda ukubonisa amandla okunyuka kwamaxabiso, kunye nokubaluleka kokuzaliseka kwezinga lokubuyela kwixesha elingenakunqoba kuphela ukunyuka kwamaxabiso, kodwa kunye neerhafu.