Annuity nokukhokhwa umahluko ku yemali ebolekwayo: emihle nemibi ohlobo ngalunye

Ngeshwa, akuyona yonke amakhasimende ebhange abasebenzisa ezihlukahlukene ezibolekiwe kanye izitolimende, ukuqonda umahluko phakathi impesheni kanye nokukhokhwa umahluko ku loan. Ngakho-ke, uma indoda kanye lapho wenza umnikelo deal ukwenza uhlelo yokukhetha, uncika ngokubona isisebenzi sasebhange, noma (ngisho nakakhulu) wenza izinto ngesikhathi okungahleliwe. Ngenxa yalokho, lo muntu obolekayo ngokuvamile abaqondi ukuthi akhokhe, kungani isamba okunjalo, lapho ine izikweletu sekwephuzile.

Annuity ukubala wesifunda

Uma umuntu wenza enxanxatheleni yezitolo noma esitolo izitolimende ukuthengwa kwezimpahla (umthengi credit), izinkokhelo umahluko ukuthi akunakwenzeka ukuba inikelwe ngazo. Iqiniso lokuthi leli cebo annuity buyiselo ivumela ngisho hhayi ukwakha isimiso lesi sivumelwano. Izimali phakathi naso sonke isikhathi imalimboleko zibalwa ngokwendlela ifomula ngakho ukuthi bayalingana. Kuhluke can isamba sokugcina kuphela kokubili ezinkulu futhi ohlangothini ezincane.

Leli cebo isetshenziswa amabhange ngokuqondene yokuthi isevisi annuity loan akudingi izisetshenziswa ezingeziwe, konke kwenzeka ngokuzenzakalela. Iklayenti uyazi yini inkokhelo yakhe, futhi uyazifeza senkokhelo nyangazonke. Uma sicabangela lokhu isikimu ngesikhundla umboleki sika, ke ubhekwa ezingenawo la mathuba kuka ukukhokhelwa umahluko ku loan. Eqinisweni, uma inzalo ibalwa njalo ngosuku ngaphezu isamba asalile yesikweletu (futhi lokhu kungenzeka kungakhathaliseki igrafu), awukwazi ukukhuluma mayelana izinzuzo ezingokwezimali noma okukhethwa kukho. Simple annuity buyiselo iklayenti kancane acime isamba semalimboleko, ngakho ngokweqile sokugcina kuyoba ngaphezulu. Ngakolunye uhlangothi, lo muntu obolekayo kuba lula ukukhokha nge ebhange, ukwazi ngokucacile lenkokhelo nyangazonke. Ikakhulukazi uma inkontileka sihlinzekela ekuqaleni ukusebenza nezibopho kuye akekho ekukhathaza ukuba sizinake ngaphezu wabonisa eshadini.

uhlelo umahluko

Nokho-ke ibizwa ngokuthi zakudala. e uboleka ochwepheshe Ngokuvamile zitusa amakhasimende ukukhetha it up. Iqiniso ukuthi ukubala izinkokhelo umahluko loan eyenziwa kalula futhi engafihli. umboleki ngamunye, usebenzisa i wokubala abavamile angenza yona ngokwakho. Kulokhu, umzimba we loan sehlukaniswe amanani alinganayo (ngenani izinyanga abolekise), futhi isithakazelo ibalwa njalo ngosuku ngaphezu izikweletu ezisele. Ngakho, kuyancipha in the umugqa wesikhathi. Umahluko lokukhokha loan inyanga ngayinye elandelayo kuyoba ukuhluka lowo odlule. Lena ethile nendlela yawo ebanzi. Okungukuthi, iklayenti phambi ukwenza imali yemali noma ukugcina, kufanele noma ubuze isimiso sakho noma ucacise onguchwepheshe.

inkokhelo umahluko kwi ukubolekwa imali engekho elula futhi iqiniso lokuthi izinkokhelo lokuqala zihluke ngokuphelele ngendlela enkulu. Lokhu kusho ukuthi wesifunda kungaba umboleki umane wathanda ukuba kukulahlekele.

Indlela Yokukhetha

Abantu abangenawo isikhathi nethuba isikhathi ngasinye ukuya ebhange ukuze ucacise inkokhelo yakho kungenzeka ivumelane annuity. Futhi uma wokuyibuyisa ngaphambi kwesikhathi ebesibekiwe, kanye ngokweqile ngeke okusezingeni eliphezulu. Labo ababoleka ngubani zijwayele ngokuqinile ukulandela isimiso, ngokuqinisekile okufanele isikimu classical buyiselo. Yiqiniso, uma bengenayo okwesabisa izinkokhelo kuqala. Ngakho lwezikhathi umahluko futhi annuity inamaphuzu yayo emihle nemibi.