Annuity - izinkokhelo, sihlangana yonke indawo

Namuhla, abaningi bajwayelene izinkokhelo annuity ngenxa ukusabalala ebanzi le ndlela buyiselo wesikweletu izibopho. Nokho, impesheni - yigama yasebhange hhayi kuphela. Sitholakala ezindaweni ezihlukahlukene - kusuka umshwalense ukuze impesheni, esetshenziselwa selisho njalo izinkokhelo / izinzuzo. Ekuqaleni leli gama lalisho i PERIODICITY yonyaka (kusukela Latin "annuus" - "unyaka"). Nokho, incazelo yesimanje kwemingcele ecacile zakhukhula futhi impesheni - kuyinto noma yiziphi izinkokhelo njalo alinganayo (nsuku zonke, nyanga zonke, ngekota, njll ...). I izici ezimbili eziyinhloko zalolu hlobo yokukhokha - imvamisa kanye nokungaguquguquki we lemali ikhokhwe.

Nokho, akubona bonke izingxenye annuity kuyinto njalo. Thatha isibonelo inkontileka waphetha nenhlangano yasebhange. Ngakho, uma wenza loan umboleki ubophekile ukuba bakhokhe ukuze umbolekisi njalo (ngokuvamile njalo ngenyanga) ethile imali (kubhadalwa kwemali yemphesheni) ngenxa buyiselo imalimboleko. Ngaphezu kwalokho, lesi silinganiso kuhlanganisa njengengxenye eyinhloko loan futhi inzalo ukusetshenziswa kwaso. Ukuthi zingashintsha ngokuqhubeka kwesikhathi. Ekuqaleni (kuze kube maphakathi no-term loan) nenani inzalo ekhokhiwe lidlule inani buyiselo avelele, bese (ngemuva phakathi nenkathi yokuboleka le mali), isimo uyashintsha kakhulu, futhi iningi annuity isivele izikweletu umboleki sika.

Kanjani kulesi simo, kukhona ekubalweni annuity? Ukuze uthole incazelo eqondakalayo uyonika isibonelo. Ake sithi yasayina isivumelwano sokubolekwa nemigomo elandelayo: credit isikhathi - ngonyaka (kusuka 28 Novemba 2013 kuya ku-28 Novemba 2014); Isilinganiso senzalo - 20% ngonyaka; isamba semalimboleko (thishelanhloko) - ama-ruble ayizigidi 150. Sinesithakazelo inani izinkokhelo zenyanga (annuity), kanye ngokweqile ku loan (intengo izimali ezibolekwe). Ukukhokhela kwenziwe ngo-December 28 (futhi inyanga ngayinye okwalandela), kubalwa okusekelwe ifomula:

PA _okuthunyelwe = R * (1 - (1 ^{+ i) - n) / i} , lapho

PA _okuthunyelwe - loan lemali (noma encishisiwe annuity inani lingu-150 m p ..);

R - lokukhokha nyangazonke;

i - nyangazonke lenzalo (20% / 12 = 1.67);

n - inani lezinkathi evuma (izinyanga eziyi-12).

Ngakho, R (noma annuity) - lokhu ubuningi ilingana:

PA _okuthunyelwe * i / (1 - (1 + i) ^{- n)} = ¹⁵⁰⁰⁰⁰ * ^0,0167 / (1 - ^{(1 + 0.0167) -12) =} 13898 ruble.

Manje kulula ukuthola ukuthi lungakanani kuyoba yinto ngokweqile phezu isikweletu nemigomo nemibandela:

13898 * 12 - 150000 = 16776.

Intengo kuyodingeka bakhokhe ukuze ukusetshenziswa imali ebhange. Ukusebenzisa ifomula ku-Excel, ungakwazi ukwakha ithegi yegama okuzokwenziwa zaveza yezingxenye-annuity yokukhokha (isithakazelo futhi ingxenye yesikweletu uyokhokha inyanga ngayinye), sikhumbula ukuthi ziyashiyana. Bala kubo akunzima, nje ngenyanga kufanele kuncishiswe yesikweletu ukubaluleka ikhokhwe kakade futhi iphindwe inani lenzalo (yaziwa, usolwa ngokwemali esele eyibhalansi).

Yiqiniso, indlela annuity kuletha izinzuzo ezinkulu ebhange, ngoba lo muntu obolekayo yasekuqaleni okhokhela ikakhulukazi isithakazelo, futhi kuphela ke uqale buyiselo uthishanhloko. Futhi iklayenti sokukhokha imali ebolekiwe eside, uma uhola sikhungo credit. Yingakho amabhange akuzona kakhulu othanda, lapho isikweletu abuyiselwe ngaphambi kwesikhathi ebesibekiwe (kuze kube muva nje, kulesi simo, ngokuvamile i-fee, okuyinto uyekwa ngomthetho).

Lesi sici kubhadalwa kwemali yemphesheni (ushintsho izingxenye) ayisibonelo sokubolekwayo. Ngokuvamile impesheni - kungcono nje nani, lapho izinkokhelo okuyokwenziwa esikhathini esibekiwe. Isibonelo kwezinye izindawo: yerenti, nezintela, impesheni, ukwehla iminikelo regulyanye ukukhokhelwa inkampani yomshuwalense ukuthi yamalungu noma, Ngakolunye uhlangothi, ama-premium, Imali yonyaka, nokunye ..