Ukwenza iintlawulo ezongezelelweyo kunokunciphisa inzala ehlawulweyo kunye nokunciphisa kakhulu ixesha elifunekayo lokuhlawula ityala lobambiso. Ukubona ifuthe lokwenza ezinye iintlawulo kwimali mboleko yakho, qala ngokwenza itshathi yokuhlawula amatyala.
Phawula Ezi charts zokuhlawula amatyala kunye neefomula ezihamba nazo zisekwe kumanqanaba emali ehlawulwa ngokuthe ngqo. Awafanelekanga ukuba i-reji ihlengahlengiswe okanye iirhafu. Abanini bamakhaya abanezi ntlobo zobambiso zibambisene neziko labo lezemali ngolwazi oluthe kratya.
Ngaba unayo i-capybara njengesilwanyana sasekhaya
Uyenza njani itshathi yokuhlawula amatyala
Iitshathi zokuhlawulwa kwamatyala zibhala ishedyuli yentlawulo efunekayo yokuhlawula imali mboleko kunye nenqununu kunye nenxalenye yenzala yentlawulo nganye. Njengoko inqununu okanye isixa semali-mboleko sincitshisiwe, isixa semali-mboleko esityalwayo siyehla, kodwa imali efunekayo yokuhlawula ihleli injalo. Ke ngoko, ngentlawulo nganye isabelo esikhulu kancinci sisetyenziselwa inqununu, kuncitshiswa inzala iyonke etyaliweyo.
Amanqaku afanelekileyo
- Ishedyuli yoHlawulelo
- Itheyibhile yokuhlawula amatyala iminyaka engama-30
- Ifomula yokubala ukuhlawulwa kwemali mboleko
Xa ibalwa ngesandla, ixabiso langoku le-Annuity lisetyenziselwa ukwenza itshathi yokuhlawula amatyala. Iintlawulo ezongezelelweyo zibalwa kusetyenziswa ifomula efanayo.
Ifomula yokuHlawula ngeMali mboleko yeTshathi yeXabiso lokuHlawula ngokuBoleka
MP = B [i (1 + i) ^ n] / [((1 + i) ^ n)] 1]
MP = ukuhlawulwa kwemali mboleko yenyanga
B = imali ebolekiweyo
i = ireyithi yemali mboleko yenyanga (inqanaba lonyaka lahlulwe nge-12)
Ukukhanya kumnyama kumatshini we tattoo uyathengiswa
n = inani leenyanga zemboleko mboleko
Amanyathelo
Landela la manyathelo ukwenza itshathi yakho yokuhlawula amatyala ngendlela yakudala.
- Guqula inzala yonyaka ibonakalise iintlawulo zakho zenyanga. Umzekelo, ireyithi yokubolekwa kwemali yeepesenti ezintlanu ngonyaka ngentlawulo yemali mboleko yenyanga ngu-0.05 / 12 = 0.0041666. Ke ngoko i = 0.0041666.
- Sebenzisa ibhalansi yemali mboleko, ubude bokuhlawula amatyala kunye 'i' njengoko kubaliwe kwiNyathelo 1 ukubala iintlawulo zenyanga. Umzekelo, i-200,000 yempahla ebambekayo ene-30 yeminyaka yokuhlawula amatyala kwiipesenti ezintlanu zenzala ineentlawulo zenyanga ze-200,000 [0.0041666 (1 + 0.0041666) ^ 360] / [((1 + 0.0041666) ^ 360) -1] = $ 1,073.64.
- Bala isabelo sentlawulo esinomdla: $ 200,000 x 0.0041666 = $ 833.32.
- Bala isabelo sentlawulo esiya kwinqununu: $ 1,073.64 - $ 833.32 = $ 240.32. Ke ngoko, ekuqaleni kwenyanga yesi-2, iNqununu (P) yi- $ 200,000 - 240.32 = $ 199, 759.68.
- Usebenzisa ifomula efanayo, ubale inqununu, inzala, kunye nemali ebolekiweyo eseleyo kwinyanga yesi-2. $ 199,759.68 x 0.0041666 = $ 832.32 wenzala kunye ne-234.56 yeedola kwinqununu.
- Gcwalisa ifomula nganye kwinyanga eseleyo yokuhlawula amatyala (iinyanga ezingama-360 zizonke semali-mboleko yonyaka engama-30 ngentlawulo yenyanga.) Intlawulo yokugqibela iya kuba ngaphantsi kweentlawulo eziqhelekileyo zobambiso.
| Inyanga | Ukuqala kwenyanga Ibhalansi yobambiso | Ubambiso Intlawulo | Inzala | Inqununu ecwangcisiweyo Intlawulo | Ukuphela kweNyanga Ibhalansi yobambiso |
|---|---|---|---|---|---|
| 1 | $ 200,000 | $ 1,073.64 | $ 833.32 | $ 240.32 | $ 199,759.68 |
| Mbini | $ 199,759.68 | $ 1,073.64 | $ 832.32 | $ 241.32 | $ 199,525.1 |
Intlawulo eyongezelelweyo yokuBambisa kunye nokuHanjiswa
Uninzi lwemali mboleko ivumela abaninimzi ukuba benze iintlawulo ezongezelelweyo ngaphandle kokufumana izohlwayo zangaphambili okanye ezinye iintlawulo. Chaza ukuba ufuna ukuba intlawulo eyongezelelweyo ifakwe ngqo kwimali eseleyo endaweni yokuba isetyenziswe kwintlawulo elandelayo ecwangcisiweyo.
Iziphumo zeNtlawulo yokuBanjiswa yeNyanga enye
Kumzekelo ongentla, intlawulo yokuqala inciphisa inqununu ibe yi- $ 199,759.68, kuba i-240.32 ye- $ yentlawulo ehleliweyo isetyenziswa kwinqununu. Ukwenza intlawulo eyongezelelweyo engacwangciswanga yokubolekwa kwemali eyi- $ 1,073.64 ekuqaleni kwenyanga yesibini kunciphisa inqununu ibeyi- $ 198,686.04, kuba imali iyonke isetyenzisiwe kwimali-mboleko yemali mboleko, hayi inzala. Inzala etyalwayo ngoku iyi- $ 827.85 endaweni ye- $ 832.32.
| Inyanga | Ibhalansi yobambiso | Intlawulo | Inzala | Inqununu Intlawulo | Ukuphela kweNyanga Ibhalansi yobambiso |
|---|---|---|---|---|---|
| 1 | $ 200,000 | $ 1,073.64 | $ 833.32 | $ 240.32 | $ 199,759.68 |
| Ngaphezulu Intlawulo | $ 199,759.68 | $ 1,073.64 | 0.00 | $ 1073.64 | $ 198,686.04 |
| Mbini | $ 198,686.04 | $ 1,073.64 | $ 827.85 | $ 245.79 | $ 198,440.25 |
Iziphumo zeNtlawulo zoBambiso zarhoqo zeNyanga zoNyanga
Ukonyusa ukuhlawulwa kwakho kwemali mboleko yenyanga rhoqo nokuba kunganemali encinci kunefuthe elikhulu kwinani lenzala elihlawuliweyo kunye nexesha elithathwayo ukuhlawula imali mboleko yakho. Ukuhlawula i- $ 50 eyongezelelweyo inyanga nenyanga konga i-20,778.55 yeedola ngenzala kwaye kunciphisa i-amortization yakho iminyaka emibini kunye neenyanga ezilishumi. Ukongeza i-250 yeedola inyanga nenyanga konga i-70,381,10 yeedola ngenzala kwaye kunciphisa i-amortization ngeminyaka esibhozo.
| Ukuhlawulwa rhoqo kwemali mboleko | Ukongeza i- $ 50 | Ukongeza i- $ 250 | |
| Iminyaka iyonke kwiMali mboleko | 30 | 30 | 30 |
| Imali yoBambiso | $ 200,000 | $ 200,000 | $ 200,000 |
| Inzala yoNyaka | 5.0% | 5.0% | 5.0% |
| Intlawulo eyongezelelweyo yenyanga | 0 | $ 50 | $ 250 |
| Intlawulo yeNyanga ehleliweyo | $ 1073.64 | $ 1073.64 | $ 1073.64 |
| Ukukhawulezisa ukuhlawulwa kwenyanga | N / A | $ 1123.64 | $ 1323.64 |
| Inzala iyonke ihlawulwe | $ 186,511.57 | $ 165,733.02 | $ 116,131.47 |
| Imali egciniweyo yoBambiso | $ 20,778.55 | $ 70,380.10 | |
| Iminyaka igcinwe kuMboleko | iminyaka eyi-2 Iinyanga ezili-10 | Iminyaka esi-8 |
Ayinguye wonke umntu ofuna ukwenza izibalo ezifunekayo ukwenza itshathi yokuhlawula amatyala kunye neziphumo zentlawulo eyongezelelweyo yemali mboleko. Ukugcina ixesha kunye nomsebenzi, sebenzisa ikhalityhuleyitha yokubhatalwa kwemali mboleko kwi-Intanethi. Ezi khaltyuleyitha zivumela abasebenzisi ukuba baphonononge ixesha kunye nolondolozo lomdla lweendlela ezahlukeneyo zokuhlawula kwangaphambili. Ezinye zenzelwe ukubala ngokulula kwentlawulo ngelixa abanye bekwazi ukwenza ubalo oluntsonkothileyo.
indlela yokuphelisa isicakakazi semizekelo yentetho yobeko
Ngobuninzi beekhalityhuleyitha ufake oku kulandelayo:
- Ixesha lemali mboleko (inani lilonke leminyaka kwimali mboleko)
- Inani leminyaka eliseleyo kwimali-mboleko yemboleko mboleko
- Inani lemali mboleko yokubolekwa kwemali mboleko
- Umgangatho wenzala
- Ukhetho lwezinto onokukhetha ukuzenza kwiintlawulo ezongezelelweyo ezinje ngeenyanga, zonyaka, okanye ukubhatalwa kube kanye kunye nezixa ezifanayo
IiWebhusayithi ezi-5 ezineeKhawunta zokuHlawula ezongezelelweyo
Nazi iiwebhusayithi ezintlanu ezibonelela ngokulula ukusetyenziswa kwezibalo zokubolekwa kwemali kwi-intanethi okanye iitshathi zokwenza amortisation.
- Bankrate.com
- Isixhobo seShedyuli yokuHanjiswa kweHSBC
- Inzala.com yeMortgage Calculator enokhetho olongezelelweyo lokuhlawula
- Izikhokelo zeOfisi kaMicrosoft yeeTshati eziHlawulelwayo zokuHanjiswa ngeNtlawulo eyongezelelweyo
- Ishedyuli yeMackenzie yeMali mboleko yokuBolekisa eneNketho yokuHlawula kwangaphambili
Nokuba ukhetha ukwenza ukubala ngokwakho okanye ngesibali esiku-intanethi, ukwenza itshathi yokuhlawula amatyala kwimali mboleko yakho ikuvumela ukuba ubone ixesha kunye nomdla ofunekayo wokuhlawula imali mboleko yakho kwaye ujonge iimpembelelo zeentlawulo ezongezelelweyo.
