Le formula for credit ekubaleni: izinhlobo buyiselo izikweletu

Uboleka esikhathini sethu ngempela into ongavamile kunzima ukubiza. ukubolekisa Umthengi ukuthengwa kwezimpahla, amakhadi okuthenga ngesikweletu, ukubolekisa yesikhathi esifushane baye sekuyinsakavukela. Uma ubheka i-West, lonke America is ophilayo ngesikweletu, IMF ngakho ngokuvamile inikeza ayeyiboleke wonke amazwe. Kodwa ake sibheke iphuzu eliwusizo Ngenxa isilinganiso umthengi obolekisayo. Lapha eyisisekelo kunazo - ifomula kuhlaziywa udumo kwinkontileka, okuyinto ababoleka eziningi ezimweni eziningi bamshaya indiva. Futhi lokhu esikhathini esizayo kungaba ukudlala nabo ihlaya elibi.

Ifomula kuhlaziywa inkokhelo yemali ebolekwayo: ulwazi oluyisisekelo

Ngaphambi zinike kwesibalo zezibalo, kufanele ichaze kusobala ukuthi imigomo embalwa. Into ebaluleke kakhulu kunoma iyiphi nesivumelwano sokubolekwa - buyiselo imalimboleko, okungukuthi, isinxephezelo ngenxa kokuqala isamba semalimboleko ngokugcwele.

Kodwa nje imali, akukho yasebhange noma zezimali nesikhungo alinikezi. Bona okungenani kudingeka ukuze uwenze ukukhokha inzalo yonke inkathi imalimboleko. By endleleni, uma umuntu akazi le ndlela kwenza kwaba nomfutho omkhulu ngisho Templars kanye namaFreemason.

Kodwa akugcini lapho. Modern credit ukubala ifomula kusho ukuqedwa izingozi ezihambisana yezinto ukungakhokhi umboleki kwezimali eyasungulwa schedule. Ngakho-ke, ngaphezu nesivumelwano sokubolekwa zihlanganisa izindleko umshwalense, komsebenzi nokunye. D.

Eqinisweni, ngaphambi kokuba anikezwe isikweletu ukubala ifomula ngokuya sokukhokhwa kwesikweletu, uma kwenziwa letilinganako, angase abukeke njenge-ephelele loan lemali yahlukaniswa lwenyanga, okungukuthi, S / n, lapho S - i-inani lesikweletu njengoba injalo yasekuqaleni, futhi n - inombolo izinyanga (hhayi iminyaka).

Uma siqala kusuka inkokhelo wenyanga okususelwa inani lezinsuku ngonyaka, ifomula loan ukubala livele libe libukeka ngendlela entsha. Inani loan ehlukaniswe ngenombolo ingqikithi izinsuku kwesikhathi egcwele kakhulu ukusetshenziswa kwayo, bese siphindwe ngesibalo sezinsuku ngenyanga wamanje.

Ngokwesibonelo, ngenyanga kungenzeka 30, 31, 28 noma 29 izinsuku. Ngakho, sonke isamba semalimboleko ihlukaniswe ngenani izinsuku, bese ngenyanga wamanje siphindwe ngesibalo sezinsuku.

Njengoba kungaba ezicela

Le formula for ukubala inzalo phezu loan into efana isibonelo ethulwa ngenhla. Kukholakala ukuthi lo muntu obolekayo ukhokha inzalo kuphela isikhathi esithile ukusetshenziswa imalimboleko (usuku, ngesonto, ngenyanga, ngonyaka). Amaphesenti ibalwa ehlukile. Kungase kuxhomeke inani izinsuku ngosuku olunqunyiwe, noma ukulungiswa (kuleli cala, ukukhokha inzalo iyafana sokukhokhwa loan).

Nokho, uma silandela imithetho olwamukelwa buyiselo zenzuzo yonke inkathi ukusetshenziswa loan, ifomula zaziyoba ibukeke a division of isamba semalimboleko ngenani ephelele yezinsuku esikhathini, kulandele ukubuyabuyelela ngephesenti futhi inani lezinsuku okuyiwona udinga ukwenza inkokhelo.

Ezinye amabhange ukunikela ukwenza inkokhelo ekuvuthweni. Nalapha futhi, nenani isithakazelo ibalwa lihlukaniswe by ukuvuthwa ne ukulungiswa.

Kodwa eyodwa yezindlela ezithakazelisayo kakhulu kanye nokuheha ukumaketha iyona accrual kwezinhloso zenzuzo esele esikweletini esiyinhloko. Ngakho, ifomula kuhlaziywa loan (umzimba, nakuba kwaba nomvuzo ngaphambi kwesikhathi) lamahubo lilingana, kodwa ngokushesha kunokuba angabuyisela yesikweletu, inzalo kancane umboleki overcharged. Kulokhu, semifula we isamba ezikhokhelwayo okusele ihlukaniswe ngenani ephelele yezinsuku bese iphindwe iphesenti futhi inani lezinsuku elihambisana kwesikhathi samanje ukukhokha imbuyiselo. Kodwa nazi ezinye amabhange abeke izinhlawulo ke. Lokhu kuyaqondakala, ngoba balahlekelwa imali.

Ifomula kuhlaziywa izinkokhelo annuity ku yemali ebolekwayo: lokho okushiwo?

Annuity ukubolekisa ihlukaniswa njengoba umahluko. Kulesi simo, zonke izinkokhelo ezihlobene uthishanhloko, repayable in izitolimende elinganayo. Sikwazi ukwehlukanisa phakathi ezimbili izinhlobo ukuvuthwa: numerando futhi postnumerando. Esimweni sokuqala, izinkokhelo uthishanhloko zenziwa ngaso kanye isikhathi noma ekupheleni kwesikhathi. In the yesibili - ngaphambi kosuku (njengoba kwaba njalo endabeni ka-buyiselo ekuseni).

Futhi izinkokhelo ngokwabo yalolu hlobo ingalungiswa, kuboshelwe izinga lokushintshisana Zamagama AseBhayibhelini ikhumbula emali, fixed eside, levulekile, wadluliselwa ifa, nokunye. D. Ifomula kuhlaziywa loan annuity kungenziwa kukhonjisiwe kulesibonelo elula.

Ake sithi, lemali loan ruble ayizigidi 100, lonyaka lenzalo - 10%, futhi elithi loan - 6 izinyanga. inkokhelo yanyanga zonke kuyoba 17156,14, kodwa isithakazelo uzokwehla. Ukubala ngokweqile Imininingwane esikhathini esithile, umane uphindaphinde isamba libolekwe isibalo sezinyanga futhi otminusovat inani eligcwele imalimboleko. Esimweni sethu ke 17156.14 6-100000 * = 2936.84.

amaphuzu ezifihliwe nezivumelwano zezikweletu

Kufanele futhi ukuthi iimvumelwano kungenziwa ebekiwe futhi izinto ezihlobene umshwalense credit ingozi. Badinga ukukhokhela ukunakekelwa okukhethekile.

Ukukhokhwa ikhomishini kungaba kwenziwe ekuqaleni, noma zehlukaniswe ukuvuthwa, okungase kubangele izindleko ezengeziwe lapho yokunquma inani inkokhelo yanyanga zonke. Kukhona futhi zonke izinhlobo ikhomishini, isibonelo, i-Ukukhishwa kwemali, ne isevisi ye-credit card, i-SMS izaziso imisebenzi, nokunye. D. Ngemva kwakho konke lokhu, futhi, kubiza imali, futhi ngasizathu simbe akekho ngempela akusho abakucabangayo ngalezi izindleko.

Ukubuyisela imali izikweletu

Uma kukhona ukubambezeleka, inqubo olunikezile: kwasekuqaleni isithakazelo sekwephuzile imali ayikweletayo, kwesibili - inkokhelo sekwephuzile oyinhloko ke - izinhlawulo kanye inhlawulo. Uma njengamanje omunye izikweletu, it is phindisela emva isithakazelo sekwephuzile futhi okuzenzakalelayo - e baphendukela zokugcina.

isiphetho

Njengoba ubona, ifomula kuhlaziywa loan kuye ngokuthi isimo angase ashintshe. Lapha kuphela kuyiyona nto ebaluleke kunazo zonke, akukhona ukuthi siboshiwe, ngisho phezu izimo ezikahle kakhulu, asikho isidingo ukukhuphuka. Kungakhathaliseki ukuthi ezikhangayo konke, azikho wezimali ngeke miss ithuba ukuze uthole. Futhi, njengoba umthetho, kuhlanganise zindleko ezifihliwe futhi isimo ezimakethe zezimali, umuntu ovamile uzolahlekelwa kunoma isiphi isimo.