Malipiro Annuity, kodi mawonekedwe malipiro ngongole?

Osati aliyense amadziwa za mfundo monga malipiro annuity. Kuti mtundu wa kupereka, ayenera kuti adamva ambiri. Koma kodi mmene ali pa mtengo wa ndalama anaitenga ku bungwe la ndalama, kudziŵika kuti aliyense. Munthu amatenga ngongole, izo imatiuza kuti chidwi. Anthu amakhulupirira ang'onoang'ono mlingo, kupereka zambiri zaphindu. Tangoganizirani anthu wamba amene samudziwa ndalama. Iwo kulabadira kuchuluka kwa ngongole ndi nthawi yake. Izi, kumene, makhalidwe ofunika. Koma pali chizindikiro chofunika, sanazimve izo zonse.

Mitundu ya malipiro ngongole

Konzekerani ndi wobwereka akudziwa kuti tiyenera kuyang'ana pa gawo ili ngati njira malipiro. Ndi iye amene ali ndi chikoka chachikulu pa mtengo wa ngongole ya. Nthawi zina angapo malipiro options. Masiyanidwe ndi annuity malipiro. Ndi chiyani icho? Dziwani izi.

malipiro kusiyanitsidwa

Yoyambirira odziwika. Malipiro umene anapereka malipiro osiyana pamwezi, omwe amachepetsa ndi nthawi. ngongole zonse lagawidwa ndi chiwerengero cha miyezi ngongole ndi, malipirowo ziyenera kuperekedwa mu magawo ofanana. Chidwi accrued pa muyezo, kuchuluka kwa ndalama adzakhala ndichepe.

malipiro annuity

Tsopano tiyeni tiyang'ane pa malipiro annuity - chiyani mawonekedwe malipiro, osati makasitomala onse kumvetsa mabanki. Kunja, amaoneka ngati wosavuta. Kodi mfundo zawo? The ngongole ayenera udzabwezeredwa pa mwezi kwa kuchuluka wina, koma kuwerengetsa si mophweka. Ambiri Mtsikana wotere chinthu monga malipiro annuity. Kodi mtundu uwu wa kupereka, ndi losavuta kumvetsa, kumvetsa limagwirira wa mawerengedwe. Chidwi ayenera recalculated amaganizira bwino ndalama abwereka, iwo yafupika, koma chiwerengero cha waukulu nthawi yomweyo kukula ndi mwezi. Poyamba, kulipira chidwi, likukhalira kuti mabanki mlandu ndalama upfront. Ngati ife tikufanizira deta ndi malipiro kusiyanitsidwa, tinganene ndi annuity n'chochepa kuposa miyezi woyamba. Penapake pakati pa nthawi yomwe ngakhale, kenako kusiyiratu mtengo wa ndalama yoyamba ndi yachiwiri sizidzasintha.

Kodi mungatani kuwerengetsa malipiro annuity

Banks ntchito kuwerengera apadera Chiwerengero pulogalamu. Popanda kupita intricacies wa masamu, tingathe kuona, ulemerero pamene malipiro amenewa ndi okwera mtengo kwambiri, monga yotsala ya ngongole yafupika pang'onopang'ono. The kwambiri moyo wa ngongole ndi kufunika kwake, zazikulu overpayment. alipire njira si choncho n'kofunika Kuyamikira kwa kanthawi.

Apa ndi chilinganizo cha malipirowo annuity:

malipiro mwezi = KA * luso ndi ndani, kumene KA - annuity chinthu, luso ndi ndani - kuchuluka ngongole.

KA = (Miyambo * (1 + taphunzira) ⁿ⁾ / ((1 + taphunzira) ^N -1), kumene kulima - zingati chidwi (pamwezi), N - Loan malipiro nthawi.

Mwachitsanzo, ngati mlingo wa 12% pa chaka, izo ziyenera kukhala 12% anagawa ndi miyezi 12 kuti mawerengedwe kulima.

Annuity kuipa:

- adzauka mu mtengo wa ngongole;

- sikutheka kuwerengera malipiro apamwezi a alipire oyambirira;

- zina sikuloledwa kuzimitsa ngongole patsogolo ndandanda.

Annuity Ubwino:

Annuity malipiro pa ngongole si kuipa yekha, ali m'njira zambiri.

- Sikuti kuti mwachindunji malipiro kuchuluka mwezi uliwonse, Chofunika kwambiri, kuzimitsa ngongole nthawi.

- The malipiro koyamba ndi zochepa, timatha inu kutenga ngongole kwa anthu amene amapeza ndalama zochepa.

- Low ndalama zili zaphindu kwa bajeti. Nthawi zambiri amasankhidwa pamene kubweza.

- Chifukwa cha kufufuma, mtundu uwu wa kupereka sizikuwoneka okwera mtengo kwambiri.

Zonse mosamala masamu ndi kusanthula potenga ngongole, ndiye kuti si zodabwitsa!