Tikutsata ndondomeko za kuwerengetsa ngongole: mitundu ya alipire za mangawa

Akubwereketsa mu nthawi yathu kwenikweni chinachake kuchokera wamba zovuta adzawaitane. Ogula ngongole kwa ogulidwa katundu, makhadi ngongole yochepa kuti wamba. Ngati inu muyang'ana pa West, lonse la America wamoyo ngongole, ndi IMF kotero ambiri amapereka ngongole m'maboma lonse. Koma tiyeni tiyang'ane pa mfundo za view wamba ogula kukongoza. Apa zofunika - chilinganizo cha kuwerengetsa ulemerero mu mgwirizano, amene borrowers ambiri nthawi zambiri samapereka tcheru. Ndipo izi m'tsogolo akhoza kusewera nawo nthabwala wankhanza.

Tikutsata ndondomeko za kuwerengetsa malipiro pa ngongole ndi: Kudziŵako

Musanayambe kupereka wekha aone kuti pali masamu, ayenera bwino kumasulila ndi mawu ochepa. Chinthu chofunika kwambiri pangano lililonse ngongole - Kubweza ngongole ndi, ie, chipukuta misozi koyamba ngongole Ndalama zonse.

Koma monga ndalama, palibe banki kapena ndalama bungwe sasamalira. Iwo osachepera muyenera chifukwa kuti malipiro chidwi pa nthawi yonse ya ngongole ya. Mwa njira, ngati munthu sadziwa njira imeneyi Analeredwa ngakhale ndi Templars ndi kena kachipembedzo kotchedwa Freemasons.

Koma si onse. Modern ngongole mawerengedwe chilinganizo akusonyeza Kupha mavuto kugwirizana ndi Wonenedwa sanali malipiro ndi wobwereka ndalama anakhazikitsa dongosolo. Choncho, kuwonjezera pa pangano ngongole monga ndalama zambiri za inshuwalansi, redundancy ndi zina zotero D..

Ndipotu ngongole mawerengedwe chilinganizo mawu a alipire ngongole, ngati izo zichitike wofanana mbali, zikhoza kuoneka ngati wathunthu kuchuluka ngongole kugawidwa ndi mwezi, ndiye, S / N, kumene S - ndi kuchuluka kwa ngongole mu maonekedwe ake apachiyambi, ndi N - chiwerengero miyezi (osati zaka).

Ngati ife kuyambira malipiro apamwezi zochokera chiwerengero cha masiku pa chaka, ngongole mawerengedwe chilinganizo zimatengera pa maonekedwe atsopano. Kuchuluka ngongole kugawidwa ndi chiwerengero cha masiku kwa nthawi zonse za ntchito yake, ndiyeno kuchulukitsa ndi chiwerengero cha masiku m'mwezi panopa.

Mwachitsanzo, m'mwezi mwina 30, 31, 28 kapena 29 masiku. Choncho, lonse kuchuluka ngongole anagawa ndi nambala ya masiku, kenako m'mwezi wa masiku ano kuchulukitsa ndi chiwerengero cha masiku.

Monga mmene accrue

Tikutsata ndondomeko za kuwerengetsa chidwi pa ngongole ndi chinachake ofanana ndi chitsanzo pamwamba anapereka. Akukhulupirira kuti wobwereka amalipira chidwi kokha ya nyengo yake ya ntchito za ngongole (tsiku, sabata, mwezi, chaka). Chiwerengero kuchita masamu mosiyana. Mwina zimadalira chiwerengero cha masiku a tsiku yake, kapena kuti atathana (mu nkhani iyi, kupereka chidwi ndi lofanana ndi alipire ngongole ya).

Komabe, ngati titsatira malamulo ambiri amavomereza za alipire chidwi pa nthawi yonse ya ntchito ngongole ndi, chilinganizo amaonekera kugawikana kwa kuchuluka ngongole ndi chiwerengero cha masiku nthawi, kenako chulutsa ndi kuchuluka ndi chiwerengero cha masiku amene muyenera kulipira.

Ena mabanki azipereka kuti malipiro pa kukhwima. Kachiwiri, chiwerengero cha chidwi masamu lagawidwa ndi kukhwima ndi kukonza.

Koma mmodzi wa njira malonda chidwi kwambiri ndi kukopa ndi accrual chidwi pa muyezo wa ngongole yaikulu. Choncho, tikutsata ndondomeko za kuwerengetsa ngongole (thupi, chinkana kwakhululukidwa pasadakhale) akanali yemweyo, koma mofulumira kuposa abwezere ngongole yaikulu wam'ng'ono chidwi ndi wobwereka ingalemetsedwe. Mu nkhani iyi, ankadziwana ndi kuchuluka okwana kulipira yotsala adzagaŵikana ndi chiwerengero cha masiku kenako kuchulukitsa ndi kuchuluka ndi chiwerengero cha masiku lolingana nthawi panopa alipire. Koma naŵa mabanki amalowerera chilango izo. Zimenezi n'zomveka, chifukwa iwo anataya ndalama.

Tikutsata ndondomeko za kuwerengetsa malipiro annuity ngongole: Chiyani ndicho?

ngongole Annuity anawagawira monga kusiyanitsidwa. Imeneyi, ndalama zonse zokhudzana chachikulu, repayable pang'onopang'ono ofanana. Ife kusiyanitsa pakati pa mitundu iwiri ya kukhwima: numerando ndi postnumerando. Mbali yoyamba, malipiro yaikulu anapangidwa chimodzimodzi pa nthawi kapena pa mapeto a nthawi. Lachiwiri - pamaso pa tsiku inakonzedwa (monga zinachitikira alipire oyambirira).

Ndipo malipiro okha a mtundu akhoza mapulani womangidwa kwa mlingo kuwombola osanjidwa kutenga nkhani mlingo kufufuma, atathana yaitali, lofuna yankho lofotokozera, kudzera mwa cholowa, ndi zina zotero. D. The chilinganizo cha kuwerengetsa ndi annuity ngongole akhoza tikuonera chitsanzo yosavuta.

Tiyeni tinene, kuchuluka ngongole 100 zikwi rubles, ndi chiwongola dzanja pachaka - 10%, ndipo akuti ngongole - miyezi 6. malipiro mwezi adzakhala 17156,14, koma chidwi adzakhala ndichepe. Kuwerengetsa overpayment okwana mu nthawi zina, kungoti chulukitsani mlingo wa ngongole kuti chiwerengero cha miyezi ndi otminusovat kobiri yonsene ngongole ya. Ifeyo izo 17156.14 6-100000 * = 2936.84.

Chobisika mfundo za mapangano ngongole

Tiyenera kuti mapangano akhoza mwachindunji ndi zinthu zokhudzana inshuwalansi ngongole chiopsezo. Iwo ayenera kulipira mwapadera.

Malipiro a mabungwe akhoza kuchitika poyamba, kapena unagwa wokhwima, yomwe INGATHE kuyambitsa zina ndalama akamaona kuchuluka kwa malipiro a mwezi uliwonse. Palinso mitundu yonse ya mabungwe, mwachitsanzo, kwa issuance a ndalama, chifukwa utumiki ndi ngongole, kwa SMS-zidziwitso kwa ntchito, ndi zina zotero. D. Ndipo pambuyo pa zonse izi, kwambiri, pamafunika ndalama, pazifukwa zina palibe amene sakuganiza za ndalama izi.

Alipire za mangawa

Ngati pali ikuchedwa, ndondomeko anapereka kwa izi: mu malo oyamba chidwi overdue amalipidwa kutali, wachiwiri - pa overdue yaikulu malipiro, ndiye - zilango ndi ndalama. Ngati panopa ngongole ina N'chimodzimodzinso pambuyo overdue ndi kusakhulupirika chidwi - mu kukhota lomaliza.

Pomaliza

Monga mukuonera, tikutsata ndondomeko za kuwerengetsa ngongole zoopseza angasinthe. Apa okha nkhani yaikulu kwambiri ndi akapolo amenewa, ngakhale pa zinthu zabwino kwambiri, si koyenera kuti akwere. Ziribe kanthu momwe wokongola zonse, palibe zachuma ndi sanali kuphonya mwayi kupeza. Ndipo, monga ulamuliro, kuphatikizapo milandu chobisika ndi boma la misika ndalama, anthu ambiri adzautaya Mulimonsemo.