Kodi kuwerengera overpayment pa ngongole ndi chidwi?

ngongole dongosolo tsopano ndi malo ofunika kwambiri m'miyoyo ya anthu ambiri m'dzikoli. Ndi anthu pang'ono basi sindinayambe nazo, koma iwo sindikukana kuti n'zotheka kuti m'tsogolo. Chifukwa cha ichi ndi zothandiza kudziwa mmene kuwerengera overpayment. Iye ndi kuchuluka weniweni wa ndalama kuti anawonjezera kuti ngongole zonse, pothandiza mabanki kupeza ndalama kuchokera ngongole ndi kukakamiza kasitomala kupereka ndalama zochepa.

Kodi m'gulu kuchuluka ngongole?

Yaikuluikulu mabungwe ndalama zonse kupereka ngongole anthu pa mawu osiyana. Kufikira tsopano, ambiri a iwo kupitiriza kubisa kanjedza woona makasitomala nawo. Funso ili yonse, chifukwa pali zitsanzo zambiri pomwe kuitana choyamba chidwi bwana, ndipo pa nthawi ya kusainira mgwirizanowo ndalama zimasiyana kwambiri. Ndipo banki zoyenera, chifukwa pali magawo osadziwika borrowers. Kodi m'gulu kuchuluka okwana ngongole ya?

1. Yaikulu kuchuluka;
2. Chidwi overpayment pa nthawi yonse;
3. Mtengo wa yokonza nkhani ndi kupanga makadi pulasitiki;
4. zolipira zina ndi komishoni.

Palibe munthu wopanda maphunziro apadera sadzatha kuphimba mndandanda wa subtleties ndi zokhudza kobiri yonsene. Izo zimapangitsa payokha tikambilane magawo kuti ndi lofunika kwambiri. Chotero kusuntha udzathetsa chinsinsi za ntchito za mabungwe a zachuma.

EPS

Tiyenera kuyamba ndi mlingo ogwira chidwi (ESR). kukula kwake ndi malinga ndi Bank ku Central la Russia, kukakamiza mabungwe kukongoza kupulumutsa kasitomala kwa overpayments zosafunika. Kawirikawiri, anthu okha kulabadira mawu kuwala, kulonjezedwa chidwi kochepa pa ngongole, koma sazindikira kuti aliyense banki ali ndi malire ake omwe.

EPS - ndi gulu chizindikiro, ndi mawerengedwe a chimene chimafuna bwino kwambiri, choncho si nthawi ntchito tsiku ndi tsiku. Komabe, zothandiza chiwongola dzanja si zochokera profitability wa ngongole, ndi kuchuluka kwa ndalama sanali kuchita. Ngati banki nthawi zonse amaoneka zomvetsa, akatswiri kulera mitengo kupewa kutaya katundu wawo. Mbali imeneyi mwangwiro limafotokoza overpayment zikuluzikulu mabungwe ena azachuma, kumene makasitomala Sizilowana yotsimikiza yoyenera chizindikiro changa mu utumiki chitetezo.

CPM

PSK, kapena malipiro a inshuwalansi kampani, m'gulu chiwerengero ngongole. Only ndi masamu ndi mfundo zovuta, zomwe zimapangitsa kusowa kuganiza. chakuti borrowers kugwirizana mawu ena inshuwalansi pambuyo kusainira mgwirizanowo. Kamodzi akakamizidwa kulipira ndalama zambiri mofulumira, ngakhale kuti munthu sindimakonda. Yakuti kuti ngati yambiri mabanki amakakamizidwa kuti simukugwirizana sitepe amenewa, ndi zina n'zotheka kuisiya.

zolipira zina zobisika

Musanapite ngongoleyo, pafupifupi aliyense akuganiza zokha za mmene kupeza zofunika ndalama. Pankhaniyi, palibe amene amamvetsera zinthu payekha ya mgwirizano, kuwapatsa malangizo malipiro zina pa ngongole ya. Komabe, zaka zingapo zapitazo, iwo anali ndi vuto lalikulu, amene anapanga kuonjezera yaikulu kangapo pa zaka zingapo. Kodi mukutanthauza chiyani?

• Malipiro a Kutengera;
• Malipiro a kalembera wa pangano Ngongole;
• Malipiro makadi nkhani Ngongole;
• Nkhani yokonza amalipiritsa;
• Mtengo wa inshuwalansi mokakamizidwa;
• Malipiro ntchito utumiki.

Chimangirizo za zinthu izi zonse kwambiri kumawonjezera PUK, chomwe chimayimira ponso ndalama. Zaka zingapo zapitazo, malamulo Russian ali kukakamizidwa mabanki kuti mandala mgwirizanowo, kenako borrowers anatha kuona ndalama zochuluka kupereka kanthu. Ngakhale kuti sanali bwanji kutchuka dongosolo ngongole mu dziko, komwe chuma ndi otsika kwambiri kupeza phindu lonse la chitukuko.

Commission, sali m'gulu la CPM

Komanso, pali mabungwe omwe si deductible pa nthawi ya CPM mawerengedwe. Iwo optional, komabe nkhani mu ndime ya mgwirizano. Lembani iwo pasadakhale kuti adzawapatse munthu ndi zodabwitsa.

• Overpayment kuti alipire oyambirira ngongole ya;
• Malipiro kwa utumiki kuthetsa kapena withdrawals kudzera ATMs;
• Zilango kwa choposa cha overdraft;
• The Commission kwa kulanda ndalama ngongole ndi mabungwe ena.

Zinthu zimenezi si ntchito ndi mabanki onse, kotero nthawi zambiri zimakhudza kusankha mwayi abwino. Poyamba, ziyenera awo borrowers konse mukusautsika, koma tsopano kusiyana ndi yokulirapo kuchuluka. Mwachitsanzo, kusiya ndalama kuchokera ngongole pulasitiki mu banki ATM chipani kulipira zambiri amapanga 10% za izo. Choncho, mukamafinya 30,000 rubles, munthu adzalandira 27,000 okha, enawo adzapita ndalama yokhoma ntchito.

Kodi kuwerengera chidwi pa ngongole ya?

kuwerengetsera EPS ndi PUK zikugwira oimira okha a mabanki. Anthu ayenera patsogolo mwina mukudziwa pafupifupi overpayment. mawerengedwe Izi sapereka zotsatira weniweni, koma kulongosolerana, mmene kusiyana malingana ndi nthawi kapena umafuna ndalama bungwe.

Nkofunika kuti anapezazo ndi akutsatiridwa mosavuta kunyumba popanda kukonzekera kuyambirira ndi kuphunzira zambiri za dongosolo ngongole. Pamaziko a deta izi osinthitsa zambiri kupereka borrowers kusankha njira yabwino amathera nthawi yochepa, popanda zambiri.

deta koyamba

Kuwerengetsa peresenti ayenera ena deta koyamba.

• PP (overpayment chidwi);
• Luso ndi ndani (kuchuluka ngongole);
• PS (chiwongola dzanja);
• M (chiwerengero cha ndalama);
• OSS (muyezo wa ngongole ngongole ya);
• SDP (chiwerengero analipira);
• DP (kutengerapo zina).

Wachina chilichonse ayenera kuona kuti ndi wobwereka osiyanasiyana, koma mmodzi wa iwo kukhala ndi zinthu zambiri. Nthawi zambiri anthu samamvetsa chifukwa pempholo limati chiwongola dzanja pachaka, koma mawerengedwe ntchito chiwerengero cha ndalama. Chifukwa cha ichi kwagona kuti si nthawi zonse pamene inu kupanga pangano anasonyeza chaka chathunthu. Zimenezi complicates kwambiri anapezazo, kupereka kwambiri kapena zochepa yamasewera chidwi overpayment.

chilinganizo

Chilinganizo ochuluka peresenti overpayment si choncho zovuta.

PP = SC / 100 PS * / 12 * M

Chifukwa cha kuwerengetsera yosavuta, aliyense akudziwa zingati ndalama kulipira chidwi. Ndi ponena kuti mu nkhani iyi ofunika si kuti PUK, koma mbali yaing'ono. Nthawi zambiri, koma paubwenzi ndi mlangizi mu banki akupereka chithunzi chenicheni. Komabe, muyenera amathera angapo udindo, kusonyeza ubwino weniweni wa chilinganizo izi.

Zolowetsa: SC = 30000; PS = 29%; M = 12 ndi 24, amene ali, anatengedwa chidwi mawerengedwe overpayment 2 mawu: pa kulembetsa kwa 12 ndi 24 miyezi.

PP = 30000/100 * 29/12 * 12 = 8700

PP = 30000/100 * 29/12 * 24 = 17400

deta awa likuonetsera kuti posankha pangano ngongole kwa zaka 2, munthu kulipira maulendo 2 zambiri chidwi. Pamaziko a izi n'zotheka kulankhula momasuka za profitability wa mwatsatanetsatane, ngati kuti asamvere kuti ndalama zina.

Kuti alipire oyambirira

Zingatanthauze kuti athanso kuona ndalama zingati anafunika kubwerera kobiri yonsene ngongole patsogolo ndandanda. Nthawi zambiri anthu mwachidule miyezi otsala, koma analibe ngakhale kulingalira chomwe kulakwitsa anachita. Ayenera kudziwa chimodzimodzi pa maziko zimene ndalama amapangidwira.

1. malipiro Annuity;
2. Fizi kwa zotsalira enieni.

Njira yoyamba ya ndalama zochokera kuyambirira zojambula ndalama kubwerera ndandanda mtsuko. Pankhaniyi, kuchuluka sichitha mu moyo wa munthu kuti zikuwoneka Njira. Komabe, njira yachiwiri zachokera mawu zonse peresenti, malingana ndi kuchepetsa olemekezeka kuchuluka kwa ngongole. Pankhaniyi, pali alipire oyambirira a kusiyana okhazikika, zochokera okonzeka zopangidwa chilinganizo cha mawerengedwe a.

OCC = SC-PSD-DP

chakuti PSD zimasiyanasiyana kwambiri, chifukwa malipiro annuity amakhudzana ndi malipiro koyamba chidwi, ndiyeno pang'onopang'ono kuwonjezera withdrawals ndi kuchuluka ngongole. Choncho, pambuyo kusaina mgwirizano ndi banki pa zinthu zimenezi ndi bwino kukambirana za malipiro ake mwadzidzidzi. Chifukwa, ichi kuwononga ndalama popanda aliyense kusiyana chogwirika chimene chimapangitsa ngongole zimenezi ndizo kwambiri kwa mabungwe a zachuma.

Kuyang'ana wosaledzera pa ngongole

Dongosolo ngongole yafalikira mu Russia, koma anthu ayamba monga kuphunzira kuunikira mmene akufuna kuphunzira mmene kuwerengera overpayment. Si mophweka, chifukwa chabe ziyenera wodzisunga amatilola kuganizira yaing'ono "mbuna" mu mgwirizano. Iwo nthawi zambiri kuwasandutsa vuto, kotero muyenera kutchula ena mokoma zikuluzikulu zomwe zidzathandiza munthu.

1. chiwongola dzanja;
2. komishoni zina;
3. Mtundu wa malipiro;
4. inshuwalansi;
5. Mawu ngongole.

wobwereka Yaikulu yomweyo atakumana ndi mndandanda wa kovuta, koma sitingathe kuchita popanda izo. Childs, mokoma zazing'ono lalikulu kwambiri, choncho iwo ayenera kulipira mwapadera.

kuwerengetsa overpayment

Komabe, mphamvu borrowers adakali kupitiriza kuganiza okha overpayment, kuphatikizapo mtengo yake yozungulira yekha pa chiwongola dzanja. Pamwamba ndi zinthu zimene zingakuthandizeni kusintha maganizo a anthu, koma ndi ofunika kupereka lingaliro.

overpayment chenicheni pa ngongole iliyonse konse mwachindunji popanda chithandizo cha akatswiri woimira banki. N'zosatheka kudziwa PUK, monga chilinganizo cha mawerengedwe yake sichinaululidwe ndi mabungwe a zachuma. Chifukwa cha ichi, kuti mudziŵe mmene ndalama kulipira pambuyo kusainira mgwirizanowo, ndi bwino pamene kuyendera ofesi. Pemphani ndi zofunika, kuphatikizapo kuchuluka kwa ngongole akhoza deducted mwachindunji mu malingaliro aone ndalama weniweni. Zimenezi ndi udindo wa alangizi, kotero kuunikira mayendedwe anu si zovuta.

Chisankho mulingo woyenera

Pomaliza, m'pofunika kulankhula za kusankha mulingo woyenera. Kuyenera zochokera zokonda zawo. Mwachitsanzo, wobwereka mudzazindikira kuti miyezi ingapo mosavuta ngongoleyo. Pankhaniyi, ndi malongosoledwe a banki, komwe kulibe milandu kwa alipire oyambirira.

Ndi ofunika kupereka nthawi yaitali. Inde, iwo kwambiri pa kuchuluka overpayments, koma si chenjezo yekha. Kuyambira mfundo maganizo view, ngati zimenezi ndi mulingo woyenera anthu, chifukwa kusintha m'ma akuti, izo kuyambira kusintha maganizo. Chifukwa cha ichi, kubweza amakhalabe mabvuto mabanja achinyamata masiku ano. Zaka zoyambirira za moyo nthawi zonse zovuta, ndipo pamene m'pofunika kupereka chogwirika gawo pamwezi ndalama limodzi pang'onopang'ono akutulukira zoipa.

Gwiritsani ntchito dongosolo ngongole ku Russia yabwino, koma amakhalabe opaque. Banks Mulimonsemo kupanga palibe chinsinsi a mabungwe awo kwa makasitomala, koma anthu eni kukankhira nokha ngongole. Iwo alibe kudziwa chofunika, kawirikawiri kulemba pangano pa mawu akumane. Choncho Mulimonsemo, muyenera mwachindunji zonse, ndiye kuti mwakachetechete kupanga ndalama popanda kuganizira overpayment kwambiri.