Izindleko egcwele loan - kuyini? CPM ukubala ifomula

Kaningi uhlela ukuthatha imalimboleko, siyinake amaphosta izinhlangano ngesevisi enjalo. Kamnandi by evumayo senzalo, amakhasimende bayamangala lapho bezwa ngendlela kakhulu ngenxa izindleko egcwele loan.

Izinga lenzalo yemali mboleko - lokhu akulona kahle ukuthi uthola uma wenza isivumelwano. Inani ngokweqile kubuye ngokuvamile kuhlanganisa izindleko wamaphepha futhi ikhomishini ahlukahlukene. Ngakho yini kuba isilinganiso senzalo esisebenzayo? Kuyini futhi kanjani ukubala inani ngokweqile? Ake sizame sokulungisa le nkinga.

Kuyini CPM?

Ngakho, liyini emalini ingqikithi loan? Incazelo lisitshela ukuthi leli gama ifingqa zonke izimali kungenzeka futhi izinkokhelo zenyanga ku loan. Ngaphansi komthetho isiRashiya, leli nani kumele ekhasini lokuqala nesivumelwano sokubolekwa, noma kunalokho, ekhoneni eliphezulu kwesokudla. Imininingwane kumele ivalwe luhlaka isikwele ephrintiwe font ngobukhulu engasetshenziswa kulokhu. Umbhalo okufanele kungene hhayi ngaphansi kwama-5% endaweni Imininingwane kwekhasi. Ngakho, uma ngezinye ukusayinwa inkontileka ungabona izinombolo ezinkulu ebiyelwe luhlaka square omnyama - lena izindleko egcwele loan. Ukuthi kuyini, ngamagama alula zingachazwa kanje. Lokhu konke lemali ukuthi ukhokha ekugcineni lapho wenza nesivumelwano sokubolekwa imali. Kuhlanganisa isithakazelo, ikhomishini, izimali-isikhathi esisodwa, inkokhelo ukuze besithathu, nokunye.

Lapho enza into enjalo?

Imbangela kuphela ngisho nomqondo onjalo kubhekwe njengento kabi izikhungo ngamunye wezimali. Baphetha ngokuthi, ezithembisa amakhasimende ekhangayo ongaphakeme zenzalo amabhange 'lilitshalwe' ukutshela mayelana nazo zonke izindleko ezihambisana, sithembele inkontileka. Ukuba khona inkokhelo eyengeziwe kungaba njengoba ongaphakeme isithakazelo ezingeni, ukuthi ngeke ube kwenani ngisho nelincane.

Yini embi ngalo of abolekise olunjalo luya luba ikhasimende ayikwazi elivunyelwa ukuhlola ikusasa futhi abale khandlu isikweletu ukubuyiswa kwemali. Qeda it may ngokudabukisayo. Iklayenti abakwazi ukukhokha izizumbulu iphendukele izikweletu ukwakha kabusha. Ngesikhathi esifanayo ke ehlupheka nomlando Ikhredithi umboleki.

Yiqiniso, ivulekele ukukhwabanisa Namanje hhayi ekufinyeleleni - zonke izimo futhi ngokweqile obala lelipelwe e inkontileka. Kodwa akubona bonke izakhamizi ezingeni elifanele wezemfundo, ukuze ngaphandle kosizo ummeli futhi oyisazi sezomnotho ukuqonda butholakala enqubweni eyinkimbinkimbi yayo. Konke lokhu kuye kwabangela ukuba iqiniso lokuthi ngo-2013 umthetho othi zonke izikhungo zezimali ukuba ivule abantu amehlo amakhasimende izinkomba ezifana Kubiza imalimboleko wamukelwa kaHulumeni.

Kuyini unethemba ukuqonda. Manje ake sixoxe lapho ungafunda futhi kanjani ngokuzimela ukubala lesi sibalo.

Indlela ukwazi izindleko egcwele loan?

Njengoba sekushiwo, ulwazi olufana kufanele kwenziwe kutholakale esidlangalaleni. Ungakwazi ngqo ukubuza umphathi: "? Uyini Isilinganiso senzalo esisebenzayo" Kuyini futhi abheke kuphi, usuwazi. Ngakho ungakwazi nje sibheke ikhasi lokuqala yesivumelwano. Uma ungayiboni inombolo lefanele endaweni elungile, kukhona isikhathi ukucabanga, futhi ungangifihleli kuwe uma kukhona. Bank Thembeka akusho gubadlela inani UCS. Lokhu kubonisa "ukuhlanzeka" ezinhle, futhi kwakha isithombe esihle lesikhungo emakethe yezimali.

Ukuze uqonde ukuthi ukubala izindleko Imininingwane yemali ebolekwayo, udinga ukwazi ukuthi likhona ukubala nokungathathwa kunakwe.

Yini likhona CPM?

Akuwona wonke amanani akhokhwe iklayenti, esetshenziselwa sibalo we langempela senzalo. Loan Calculator (wokubala wusizo kuwe) ingafaka amapharamitha alandelayo:

• imvamisa (PERIODICITY) buyiselo imalimboleko;
• Izimali okumele zikhokhelwe ukwenziwa abethimba ngokheshi;
• ukukhokha inzalo;
• Inkokhelo esivuna 3 abantu okungukuthi amasevisi ayadingeka Ukukhishwa loan lemali;
• Commission (iqoqo) ukuze kuhlolwe isicelo futhi Ukukhishwa credit;
• izindleko Ukukhishwa lekhadi noma inkokhelo electronic, isikhundla ekuphetheni inkontileka;
• Imali for kokuvula i-akhawunti yasebhange.

besithathu, kulesi simo kungaba kubhekwe:

• onjiniyela;
• ethengiswayo uchwepheshe;
• ummeli olungisa izivumelwano;
• inhlangano umshwalense;

Njengoba isiphelo sesimiso nesivumelwano sokubolekwa imali isikhathi eminyakeni embalwa kunzima ngempela ukuze ibone ukuthi yikuphi kuyoba amazinga besithathu emva kwesikhashana, kulesi sibalo inani eliphelele lawo ukubolekisa asetshenziselwa ukuthi zikhona ngesikhathi ukusayina inkontileka.

Lokho akufakwanga khona?

Kufanele wazi ukuthi yini zonke izindleko eziphathelene ngokucubungula loan, kungaba kucatshangelwe lapho kubalwa UCS. Okukhishiwe:

1. Izindleko awazange emibandeleni loan, kodwa kwemibandela yomthetho.
2. Ukukhokhwa inhlawulo kanye nezinhlawulo izimo ukwehluleka nesivumelwano sokubolekwa.
3. Commission, ayatholakala inkontileka futhi kuye ukuziphatha iklayenti.

Kwaze kwaba seqophelweni zokugcina zihlanganisa lezi ezilandelayo:

• Inhlawulo buyiselo zakuqala imalimboleko.
• Imali kokuyokhipha imali ATM. Ezinye amabhange imali kuphela ukudlulisela ikhadi lemali. Ngesikhathi esifanayo, uma uzama ukususa lonke inani noma ingxenye yako "non-lwendabuko" ATM nawe uzogcina i iphesenti ezengeziwe.
• Imali for nokuhlinzekwa kolwazi mayelana nenani izikweletu nge-SMS noma i-imeyili.
• Imali Commission for ukuziphatha kwemisebenzi kuleli esihlukile ukuthi lapho lesikweletu ikhishwe. Ngokwesibonelo, uma ruble credit card, wenza ukuthenga ohlelweni Japanese online store.
• Ikhomishana icala yibhange i-ukudluliswa kweemali kwezinye izikhungo credit.
• Ukukhokhela kungenzeka ukumisa imali ebhange (Ukuvinjwa ikhadi).

ifomula

Kuvele ukubala ngqo sale Inkomba isimiso kungenzeki, ngoba konke kuncike ekutheni izimo yasekuqaleni loan zifeziwe, kuze kube ngisho nomniningwane omncane. Bank of Russia sokubalwa CPM inikezwa njengoba ifomula kuyinkimbinkimbi ukuthi akuyona ngisho isisebenzi sasebhange uyakwazi kahle ukubala zonke okokuqala. Yini esingayisho ngesimo abayizakhamuzi ezejwayelekile.

Kuleli phephandaba, siphakamisa lula kakhulu (Nokho kunalokho anolaka) ukubala we loan. Calculator usadinga, kodwa ukubala akuthathi isikhathi esiningi. Ngakho, ifomula: UCS = TFR + Ch + P, lapho:

• TFR - nenani lesikweletu (loan);
• Ck - ukubaluleka zonke ikhomishini njengendlela-off omunye futhi ngezikhathi ezithile;
• P - inani lenzalo;
• UCS - egcwele (inani) izindleko loan.

Yonke idatha kule ifomula kuvetwa ngokuya ngokomzimba, kodwa kunalokho lwemali loan. Usayizi Imininingwane wemisebenzi ibalwa ngokungeza sonke eziningi owaziwa ngokuba isikhathi esigcwele yesivumelwano. Usayizi Imininingwane buyiselo% izinga ingatholakala esimisweni izinkokhelo. Kufanele ngempela zinikezwa ebhange.

Isibonelo kokubala izindleko Imininingwane yemali ebolekiwe

Ake sibheke practical kanjani ukubala izindleko Imininingwane yemali ebolekwayo. Ngokwesibonelo:

• boleko 320 y. e iminyaka engu-3 ngesilinganiso yonyaka ka-16% .;
• I-enikezelwe loan ikhomishana - 2%;
• Ukukhokhela izinsizakalo nokuphathwa kwezimali - 1.2%.

Okokuqala udinga anqume inani wozawoza, kungabonwa ku nesivumelwano sokubolekwa. Esimweni sethu, labo annuity inkokhelo inani ngokweqile kuyoba 85 e. e.

Sikholelwa ukuthi ikhomishini Ukukhishwa 320 y. e. * 2% 6.4 = y. e.

Manje siyathola ukuthi bangaki weKhomishana abethimba imali: (.... cu 320 + 82 cu) * 1.2% = 4,86 e. e.

Phela izibalo kungenzeka ukunquma Inani eliphelele 320 y. e. +85 y. e. + 6.4 y. e. + 4.86 e. e. = 416,26 ngesikhathi. e.

Ngokuvamile, akukho lutho nzima. Yiqiniso, lena akuyona yonke lemali penny, okuyinto bayokhululwa ekubalweni ifomula eziyinkimbinkimbi, ezihlongozwayo nguhulumeni. Kodwa umehluko akuzona abalulekile kakhulu. Ungasebenzisa ezihlukahlukene loan calculators, luningi ibekwe on the Internet for izibalo ezinembile kakhudlwana.

Yini enikeza ukuhlaziywa olubonisa CPM?

Ukuqaphela inani eligcwele loan kwasekuqaleni kukunika umbono ocacile usayizi wangempela ngokweqile loan ekuvuthweni. Ngakho, lapho ezibonakala alinganayo zenzalo, ungakhetha eyodwa umkhiqizo yasebhange, okuyinto kuyoba eshibhile. Nokho, akufanele sikhohlwe ukuthi ukubhekisiswa CPM akacabangi eziningi izici - practice kungase kungabi e izibalo.

Ngokwesibonelo, umuntu angathola imali futhi abuyisele phambili boleko schedule. Kulokhu, lo ngokweqile uzobe ziyancipha. Kodwa-ke ungaya enye indlela. Ukubambezeleka ukuqaliswa sivumelwano amalungiselelo kungaholela izinhlawulo ukuthi kukhona izikhathi eziningi kuzokhuphula inani ngokweqile. Ngakho-ke, lapho ukhetha umkhiqizo yasebhange akathembeli amagugu komkhawulo Kubiza imalimboleko, kufanele sizame ukuthi uhlinzeka ngazo zonke izinketho.

isilawuli State phezu nemizana

Omunye wemisebenzi ebalulekile Central Bank ukuqapha nezinye izinhlangano zezimali. Inhloso yalesi focus - ukuqapha ukuqinisekisa ukuthi amabhange ungahlukumezi ithonya labo futhi ulele zenzalo yenzalo. Kule ndaba, Central Bank nsuku wekota iqoqa ulwazi oludingekayo kanye ishicilela isilinganiso emakethe inani le-CPM yezinhlobo ezahlukene sokubolekwayo. Zonke izikhungo credit aphoqelelwe ukuba acabangele lezi nemingcele. izimo Ukunikeza ngaphansi lapho inani loan idlula isilinganiso emakethe ngaphezu kuka 1/3, amabhange ngeke avunyelwe.

PSK, imemezela amabhange amakhulu kukhona isilinganiso ngempela. Phela, nabo basuke kubalwa ngesisekelo ulwazi etholakele abakweletwayo okungenani 100 ezinkulu, noma 1/3 kwezikhungo wezwe wezimali ukuhlinzeka noma yimuphi umkhiqizo othize loan.