Izinkokhelo ze-Annuity, uyini le ndlela yokukhokha imali?

Akuwona wonke umuntu owaziyo ngomqondo onjengokukhokhwa kwemali. Iyini uhlobo lokukhokha, okungenzeka wezwa abaningi. Kodwa umthelela onjani ekubambeni kwezimali ezibolekwe esikhungweni sezezimali nezesikweletu aziwa wonke umuntu. Uma umuntu ethatha isikweletu, ulalela inzalo. Abantu bakholelwa ukuthi izinga elingaphansi, isipho esikahle kakhulu. Yilokho labo bantu abakwaziyo kancane ngezimali ezicabangayo. Baphinde babheke inani lemali mboleko kanye nesikhathi salo. Yiqiniso, lezi zici ezibalulekile. Kodwa kunesibonakaliso esibalulekile esingazwa wonke umuntu ngakho.

Izinhlobo zokukhokha ngesikweletu

Umboleki olungiselelwe uyazi ukuthi kubalulekile ukubheka isigaba ezifana nenhlobo yokukhokha. Nguye owenza umthelela omkhulu ezindleko zemali mboleko. Kunezinketho eziningana zokukhokha. Izinkokhelo ezihlukene nezinkokhelo. Kuyini? Ake sibone.

Izinkokhelo ezahlukene

Uhlobo lokuqala ludume kakhulu. Lezi yizinkokhelo lapho kutholakala khona ukukhokha okunye ngenyanga, okuyinto eyancipha ngesikhathi. Zonke izikweletu zihlukaniswe nenani lezinyanga zemali mboleko, izinkokhelo kumele zenziwe ngamasheya alinganayo. Inzalo ithola ibhalansi, inani lezinkokhelo lizonciphisa njalo ngenyanga.

Izinkokhelo ze-Annuity

Manje ake sibheke izinkokhelo zemali - yimuphi uhlobo lokukhokha, akunjalo wonke amakhasimende asebhange aqonde? Ngaphandle babonakala belula. Iyini isisekelo sabo? Imalimboleko kumele ibuyiselwe ngenyanga ngenani elilodwa, kodwa akulula ukuthila. Abantu abaningi besaba into enjalo njengokukhokha imali. Iyini uhlobo lokukhokha, kulula ukuyiqonda, ukuqonda indlela yokubala. Intshisekelo kufanele ihlelwe kabusha ngokucabangela ukulingana kwemali ebolekiwe, yehliswa, kodwa isabelo sekhanda eliyinhloko lenyanga. Ekuqaleni, inzalo ikhokhwa, kubonakala ukuthi amabhange athatha imali engenayo ngaphambi kwesikhathi. Uma siqhathanisa lezi zinkokhelo ezihlukene, khona-ke singasho ukuthi usayizi we-annuity ungaphansi kwezinyanga zokuqala. Endaweni ethile phakathi naleso sikhathi bayoba cishe elinganayo, bese inani laso langaphambili lizokwehla, futhi inani lesibini ngeke liguquke.

Ngingazibala kanjani izinkokhelo zonyaka?

Amabhange enza isicelo sokubala izinhlelo zokubala ezikhethekile. Uma ungahambi ematheksthini emathematika, ungaqaphela ukuthi mboleko ngalokhu kukhokhiswa kubiza, njengoba ibhalansi lesikweletu linciphisa kancane kancane. Uma isikhathi eside isikhathi sokubolekwa kanye nenani laso, i-overpayment ephakeme. Indlela yokukhokha ayibalulekile kakhulu ngemali mboleko yesikhashana.

Nansi indlela ifomula yokukhokhwa kwemali ebuka ngayo:

Ukukhokha ngenyanga = KA * SK, lapho i-KA iyinhlangano ye-coefficient yonyaka, i-SK iyinani lemalimboleko.

KA = (pr * (1 + pr) ⁿ ) / ((1 + pr) ^n- 1), lapho isilinganiso senzalo (ngenyanga), n yisikhathi sokukhokha imali.

Isibonelo, uma izinga lingama-12% ngonyaka, ke ukubalwa kwama-pr kufanele kube yi-12% ehlukaniswe izinyanga ezingu-12.

I-Cons of annuity:

- ukwanda kwezindleko zemali;

- awukwazi ukubala ukukhokhelwa nyangazonke kokukhokha ekuqaleni;

- Ngezinye izikhathi abavumeli ukukhokhelwa kwemali mboleko ngaphambi kwesikhathi.

Izinzuzo zemali:

Izinkokhelo zesikhwama semalimboleko emalimboleko azikona nje ukushiyeka, zinamathuba amaningi.

- Ungacacisi inani lokukhokha inyanga ngayinye, okubaluleke kakhulu, ngesikhathi sokukhokha isikweletu.

- Izinkokhelo zokuqala ziyingcosana, lokhu kukuvumela ukuba uthathe imali kubantu abenezimali eziphansi.

- Izinkokhelo zenyanga eziphansi zizuzisa ukuhlelwa kwemali yomndeni. Ngokuvamile zikhethwa ukuba zibolekwe imali.

- Ngenxa yokunyuka kwemali, lolu hlobo lokukhokha alubonakali lubiza kakhulu.

Ngamehlo wonke ubala futhi uhlaziye lapho uthatha imali mboleko, ngakho kamuva kwakungenakho ukumangala!