Annuity izinkokhelo: sikhethe kahle uma sisebenzisa loan!

Ukubolekwa kwemali ziye zaba ingxenye yezimpilo zethu, bavumela ukuba uthenge izinto ezibizayo, hhayi elinde amaholo, amabhonasi. Ngaphezu kwalokho, unikezwa ukungakwazi abantu abakhuluma isiRashiya ukuba ulondoloze imali kanye nesidingo kwandisa induduzo kanye ukuncintisana phakathi amabhange, kungenzeka imalimboleko iyeke mangaza abaphila manje. Nokho, thina ngeke namanje waqonda ezihlukahlukene nemibandela amabhange. Futhi ukuzonda ngesizathu esihle. Ezinye zikuvumela ukuba wehlise nokukhokhela zakho zenyanga (Izinga ongaphakeme, izinkokhelo umahluko), kuyilapho abanye kwandisa (kubhadalwa kwemali yemphesheni, yesikhathi esifushane) yabo.

Kusobala ezimvunayo ezinhlelweni abolekise iyona ongaphakeme senzalo. izinzuzo Ngaphansi sobala amanga indlela enkokhelweni loan. Ngokwesibonelo, uma ukhetha, njengoba isimo izinkokhelo umahluko, uzobona omningi izinkokhelo zenyanga esimisweni sakho, Nokho, okuyinto, kunciphe nge nyanga ngamunye odlulayo. Ngokungafani kwamangqamuzana zihlanganisa okubizwa ngokuthi kubhadalwa kwemali yemphesheni. Ukukhetha kwabo, wena ucime kwezikweleti izitolimende alinganayo inyanga ngayinye. Kodwa inani ngokweqile phezu loan ekupheleni kuyoba okuningi ephakeme.

Kwakudingeka ukuba amaningi kuwo izakhamuzi zethu izinkokhelo alinganayo kukhona ezikhanga kakhulu, uma kubhekwa ukuthi iningi imali main abantu abasebenza sika uzinzile futhi zinjalo. Ngamanye amazwi, azi kusengaphambili ukuthi lesikwati kubekela eceleni emholweni wabo ethile ngoba isikweletu ukubuyiswa kwemali (5 kuya ayizinkulungwane 15. Ruble), kungcono ukukhetha latezhi annuity (ngaphandle amabhange amaningi Uhlelo abolekise akazange ahlinzekele kukhethwa enye indlela buyiselo) . Uma iholo lakho akuyona njengoba njalo, kodwa ephakeme kakhulu kwesilinganiso, kungenzeka ukusebenzisa uhlelo lokukhokha umahluko, noma ukhethe uhlelo oluthembekile izinkokhelo alinganayo.

Kodwa ngaphambi kokuba ubhalise ebhange nesivumelwano sokubolekwa imali, qiniseka ukuthi uma uhlelo kuhlanganisa kubhadalwa kwemali yemphesheni, ukubuyiswa kwemali ekuseni akuyona akuvumelekile. Kungazelelwe uzokwazi ukuba isifundazwe sikhokhele ibhange kuneNingizimu isikhathi (ethathwe esiqiwini), okuyinto esibekiwe esivumelwaneni. Bengingeke ingathanda lesi sifiso ku uthole esihle (embhalweni yesivumelwano libizwa ukujanyiswa buyiselo ekuseni). Ezinye amabhange, okuvumela ibhodi kunokuba kudingekile, setha usayizi ubuncane ayizinkulungwane 10. Ruble, ngisho izinkulungwane 30. Izinkokhelo ezinjalo ezengeziwe izinkokhelo zenyanga, njengoba umthetho, akekho, okumele ikhokhwe izitolimende alinganayo lonke isikhathi. Nakuba lezi zidingo amabhange yilezi ngaphandle kunokuba umthetho. Abaningi eside belahla izinhlawulo umisa futhi amanani ubuncane buyiselo zakuqala. Isizathu salokhu ukuhluleka amanga hhayi ukuncintisana phakathi amabhange futhi bazuzise. Iqiniso liwukuthi esimweni izinkokhelo alinganayo akukhona ukuhlakanipha ukuzama angabuyisela phambili boleko schedule njalo. Ukuze uqonde, baqaphe kanjani izinkokhelo anikezwa.

Nokho, Annuity izinkokhelo, futhi bayalingana, kodwa kubalulekile ukwazi ukuthi engxenyeni yokuqala yenkathi, bona kakhulu aqukethe inzalo enqwabelene yibhange, bese kuphela kusukela uthishanhloko. Ngokusho uhlelo umahluko yonke imali ebolekiwe sehlukaniswe izinkokhelo alinganayo, kodwa ekuqaleni kwesikhathi bona okuthakaselway kwengeziwe. It kuvela ukuthi "ukukopela" ngeke ukhokhe ezinyangeni lokuqala kwesivumelwano sesikweletu, futhi ngokushesha obuyisela eyisamba yokuqala eyisikweletu. Futhi ohlelweni annuity, isamba semalimboleko luqede kancane, futhi isithakazelo kuyo yahlakazeka lonke isikhathi.

It kulandela ngokuthini bona umthetho: musa kwesikhathi ucime annuity loan. Efuna ngokushesha ukukhokha off the loan, uzolahlekelwa out abangaphezu kuka amaphesenti.

Lezi umehluko wemisindo nemiqondo yamagama, njengabanye abaningi, kubaluleke kakhulu. Uma ngokuvamile ziphendukela esikweletu ungafuni overpay, ukuthi sibe nozwelo nemibandela ebhange, ikakhulukazi lezo ezingase kungenziwa kukhethwe ekuklanyweni: inkathi loan, indlela buyiselo, inani lenzalo.