Annuity - malipiro, timakumana kulikonse

Masiku ano, anthu ambiri amadziwa malipiro annuity chifukwa kufala lonse kwa njira ya alipire udindo ngongole. Komabe, annuity - si banki yaitali. Umapezeka m'madera osiyanasiyana - kuchokera inshuwalansi kuti penshioni, amene amagwiritsidwa ntchito potanthauza ndalama zonse / ubwino. Poyamba liwuli linatanthauza ndi periodicity pachaka (ku Latin "annuus" - "chaka"). Komabe, kutanthauzira yamakono ya omveka bwino yagwa ndi annuity - ndi lililonse malipiro ofanana (tsiku, mwezi, kamodzi miyezi itatu iliyonse etc ...). Makhalidwe ziwiri zikuluzikulu za mtundu uwu wa kupereka - pafupipafupi ndi wosasinthika kuchuluka lolipiridwa.

Komabe, si onse m'zigawo zikuluzikulu annuity ndi zonse. Mwachitsanzo mgwirizanowo anapangana ndi gulu kubanki. Choncho, pamene inu kupanga ngongole wobwereka ayenera kulipira wobwereketsayo nthawi zonse (zambiri pamwezi) ndi kuchuluka kwa ndalama (annuity malipiro) chifukwa cha alipire ngongole ya. Komanso, phindu zimenezi zimaphatikizapo monga mbali ya wamkulu ngongole ndi chidwi ntchito zake. Kuti kusintha pa nthawi. Poyamba (mpaka m'ma akuti ngongole ya) kuchuluka chidwi analipira kuposa kuchuluka kwa alipire chachikulu, kenako (pambuyo pakati pa nthawi ya ngongole), zinthu zikusintha kwambiri, ndipo ambiri a annuity ndi kale ngongole wobwereka a.

Kodi mu nkhani iyi, pali mawerengedwe a annuity? Kwa kumufotokozera zomveka adzakupatsani chitsanzo. Tangoyeserani zinasaina pangano ngongole mfundo zotsatirazi: ngongole nthawi - chaka (kuchokera November 28 2013 November 28 2014); chiwongola dzanja - 20% pa annum; kuchuluka ngongole (chachikulu) - 150 zikwi rubles. Tili ndi chidwi kuchuluka kwa ndalama (annuity), ndipo overpayment pa ngongole (mtengo wa ndalama anabwereka). Akabwezedwe mangawawo pa December 28 (ndipo mwezi uliwonse wotsatira), masamu zochokera njira:

PA _positi = R * (1 - (1 ^{+ i) - n) / Ine} , m'mene

PA _positi - ngongole kuchuluka (kapena yafupika annuity Mtengo 150 mamita tsa ..);

R - malipiro mwezi;

ine - mwezi chiwongola dzanja (20% / 12 = 1.67);

N - chiwerengero cha nthawi crediting (miyezi 12).

Choncho, R (kapena annuity) - uyu kuchuluka wofanana:

PA _positi * ine / (1 - (1 + i) ^{- N)} = ¹⁵⁰⁰⁰⁰ * ^0,0167 / (1 - ^{(1 + 0.0167) -12) =} 13898 rubles.

Tsopano n'zosavuta kudziwa kuchuluka adzakhala overpayment pa ngongole ndi mfundo zathu ndi mikhalidwe:

13898 * 12 - 150000 = 16776.

Mtengo kulipira ntchito ndalama kubanki. Kugwiritsa ntchito njira kuti kupambana, mungathe kumanga mayina opatsidwa, umene penti ndi zigawo za malipiro annuity (chidwi ndi mbali ya ngongole yaikulu kuti inu kulipira mwezi uliwonse), ife aganizirenso zosiyanasiyana. Kuwerengetsa iwo sikovuta, basi mwezi ayenera kuchepetsa ngongole yaikulu phindu kale ndi kuchulukitsa ndi mlingo chidwi (amadziwika, wapatsidwa kuyenda bwino kwambiri).

Inde, njira annuity umapindulitsa kwambiri ku banki, chifukwa wobwereka choyambirira amalipira makamaka chidwi, ndipo ndiye yekha kuyamba alipire wa akuluakulu. Ndipo kasitomala kupereka ngongoleyo yaitali, m'pamene amapeza bungwe ngongole. N'chifukwa chake mabanki sakhala kuwakonda pamene ngongole ya N'chimodzimodzinso patsogolo ndandanda (mpaka posachedwapa, mu nkhani iyi, nthawi zambiri mlandu amalipiritsa, amene linathetsedwa mwa lamulo).

Mbali imeneyi ya malipiro annuity (kusintha zigawo zikuluzikulu) zikusonyeza ngongole. Kawirikawiri ndi annuity - izo zangokhala kuchuluka mapulani amene malipiro adzakhalanso pa intervals mwasankha. Chitsanzo cha mu madera ena: lendi, rents, penshoni, zopereka depreciation regulyanye malipiro a inshuwalansi kampani kwa inshuwalansi kapena, Tikawonetsetsa premiums, amalipiritsa pachaka, ndi zina zotero ..