Kodi kuwerengera chidwi pa ngongole ya

Anthu ambiri posapita nthawi kutembenukira kwa ngongole, chifukwa zimakhala zosavuta kubwereka ndalama pa chiwongoladzanja, Mukafunsa yambiri anzanu akumuona ngongole. Mu moyo wathu, nthawi zina zinthu kuchitika, kukonzekera kuti pasadakhale ndi zovuta, ndipo anapereka kwa ndalama "mvula tsiku" sikokwanira. Kukhala kuwerenga mantha nkhani m'nyuzipepala, pamene mabanki ngongole kulanda nyumba, galimoto ndi malaya, anthu ambiri yesetsani kukonzekera pasadakhale ulendo wopita ku banki. Ataphunzira tsatanetsatane wa ngongole ku banki, mungayesere nokha funso "mmene kuwerengera chidwi pa ngongole," ndipo tikupeza kukula kwa overpayments m'tsogolo.

Pafupifupi onse mabanki tsopano apereke ngongole kumene ndalama ndi annuity, ndiko kuti, malipiro ndandanda sasintha kuchuluka. malipiro tso chachikulu ndi chidwi pa ngongole (ngati palibe zina pamwezi malipiro). Kumayambiriro kwa ndalama kuchuluka kwa ndalama ya peresenti apamwamba, ndiyeno pang'onopang'ono amachepetsa, ndipo chobwezera cha yaikulu, motero, umachuluka. Nthawi zina ntchito ndalama kusiyanitsidwa pamodzi ndi malipiro annuity pamene kuchuluka kwa ndalama pang'ono ndi pang'ono yafupika. Choncho, mmene kuwerengera chiwerengero.

Kodi kuwerengera chidwi pa ngongole ya.

Aliyense annuity malipiro chofunika ndi annuity chinthu, onse magawo zina ngongole imadalira pa ilo. Chilinganizo zotsatirazi ntchito kuwerengera koyefishienti:

AK = kp * (1 + CP) N / ((1 + CP) N-1)
AK - annuity koyefishienti;
Kp - mlingo chiwongola dzanja

N - nthawi ya alipire ngongole mu miyezi

Kp chinthu kapena chiwongola dzanja kuchita masamu mfundo:

Kp = SS / 1200 pamene PS - ichi ndi mlingo pachaka chidwi kuti banki anthu afalitse.

Tsopano n'zosavuta kuwerengera ndalama zimene muyenera kulipira banki mwezi uliwonse.

Pamwezi malipiro = Annuity chinthu * Kuchuluka ngongole.

Tsopano tiyeni kuwerengera chiwerengero cha ngongole, ndiye kuchuluka kuti kulipira banki kwa lonse ngongole mawu.

The mtengo wodzala ndi akuti ngongole mu miyezi = * malipiro a pamwezi ngongole ndi.

Tsopano, pamene ife sankadziwa mmene kuwerengera chidwi pa ngongole ndi, kuwerengera kuchuluka kwa overpayment pa ngongole ndi:

Overpayment ngongole ya = Total malipiro pa ngongole ya - Kuchuluka ngongole ya

Tsopano inu mosavuta kukonzekera banja bajeti zolowa ndi ngongole, popeza muli tsopano si chinsinsi mmene kuwerengera chiwerengero.

Mlingo ogwira chidwi.

Ndikufuna kutchula mfundo yofunika. Muyenera kukhala bwino pa zimene inu potchula kuyesetsa kumvetsa mmene kuwerengera chidwi pa ngongole ya. Kuwonjezera pachaka chiwongola dzanja kubanki mukhoza kulengeza mlingo ogwira chidwi. mlingo Izi zikuphatikizapo overpayments ena onse pa ngongole kuphatikiza pachaka chiwongola dzanja. mlingo uwu ndi oyandikira chenicheni kuposa wabwinobwino mlingo pachaka chidwi ngongole ya.

Tsopano mawu ochepa za kuchuluka pachaka. Pali zinthu monga chidwi yosavuta pawiri. chidwi pawiri wapatsidwa kuchuluka kwa ukugwirizana ngongole kuphatikiza aziwerenga zapitazi. chidwi kumodzi masamu kuchuluka pachiyambi. Choncho pachaka chidwi - ndi chidwi pawiri, ndipo n'zosatheka kudziwa ngati ife kuchuluka choyambirira cha ngongole ndi. Chifukwa eti? Chidwi accrued Mwezi uliwonse yotsala ya ngongole yaikulu ndipo osati kuchuluka lonse, ndi kuchita masamu malinga ndi mfundo za annuities.

Musazengereze kupempha malipiro ndandanda chitsanzo banki fanizirani chiwerengero cha overpayment kwa amene anatembenuka inu. Ndipo musaiwale kuwerengera chiwerengero ngongole kuwonjezera kwa ndalama zonse a mabungwe ndi inshuwalansi amene banki ndithu adzazika ndi inu.