Kanjani ukubala inzalo yemali ebolekwayo: ifomula. Ukubala inzalo yemali ebolekwayo: Isibonelo

Ngamunye abhekana nazo inkinga yokungabi imali ukuthengwa zasendlini noma ifenisha. Abaningi babe ukuboleka ukukhokha. Ezinye ukungatholi hamba izihlobo noma abangani izincwajana ukubhekana nezinkinga zabo ezingokwezimali, futhi ngokushesha uxhumane ebhange. Ikakhulukazi enikeza isibalo esikhulu sezithunjwa izinhlelo loan ezikuvumela ukuxazulula le nkinga ukuthenga izimpahla ezibizayo ku ngaphansi kwezimo ezimvunayo.

Kuyini ngesikweletu?

Lolu hlelo ubudlelwane kwezomnotho, ukuhlinzeka i-ukudluliselwa kwempahla kusuka kumnikazi eyodwa kuya kwenye ukusetshenziswa okwesikhashana ngaphansi kwezimo ezikhethekile. Endabeni amabhange lesi silinganiso kukhona imali. Indoda kudingeka ethile Economist ilinganisela creditworthiness of ikhasimende futhi wenze isinqumo. Uma konke kuhamba kahle yini, uma izimali ezidingekayo isikhathi esithile. Ngenxa yalesi iklayenti okhokhela isithakazelo ebhange.

Ayikho imali eyanele ukuthenga izimpahla noma abadinga imali? Kufanele kuthathe udumo. Amaphesenti eliphansi njalo edonsela amakhasimende. Ngakho-ke, izikhungo zezimali ethandwa ukunikeza amakhadi esikweletu imali ukubolekisa ku ngaphansi kwezimo ezimvunayo. Ifomula (ekubalweni isithakazelo ku loan) kuzokusiza uqonde kangakanani ibhange kuyodingeka ukukhokhela isevisi.

ngokweqile

Endabeni imali ebolekiswayo ebhange njengoba isenzo lezimpahla imali. Ukuze ukuhlinzekwa kwemisebenzi ikhasimende kufanele ukhokhe imali kwi-yezezimali. Ukuze uqonde ukuthi ukunquma inani ngokweqile, kufanele baqonde imiqondo elandelako:

• umzimba imalimboleko;
• Commission;
• yaminyaka yonke senzalo.

It has a uhlelo ukubaluleka izimali kanye eside loan. Lokhu kuzoxoxwa ngakho ngezansi.

Uyini umzimba imalimboleko?

Inani indoda yathatha imalimboleko ebhange, kuba umzimba imalimboleko. Njengoba wenze izinkokhelo, leli nani sinciphile. Kuyinto umzimba imalimboleko inzalo enqwabelene futhi, ezimweni eziningi Commission.

Cabangela nasi isibonelo. Iklayenti ikhiphe nesivumelwano sokubolekwa imali ngo-May 1 in inani ruble 20 000. Ngemva kwenyanga, wenza inkokhelo encane ruble 2,000. Kuleli nani ukukhokha inzalo loan kwathatha ruble 500, ruble 1,500 - ukuba isifundazwe sikhokhele umzimba. Ngakho, ke kwehle ruble 18 500 kusukela ngo-June 1 umzimba imalimboleko. Esikhathini esizayo, sonke kuzokwengezwa inzalo yemali mboleko ncamashi ukuthi lemali.

Commission

Amaphesenti ukuthi ikhasimende okhokhela ebhange phezu inani lenzalo, kuba Commission. izikhungo ezahlukene zezimali zingase zinikeze ezahlukene loan imigomo. IKhomishana angase akhokhiswe kokubili emzimbeni imalimboleko kanye nenani ukuthi ikhasimende waboleka ekuqaleni. Muva nje, amabhange amaningi udlulisa ikhomishini ngokuphelele bese usetha kuphela yonyaka lenzalo.

Cabanga ngesibonelo sika-ezihleliwe ikhomishana 0.5%. Iklayenti wathatha loan in inani ruble 10 000. Imali ngenyanga bayokwakha ruble angu-50. Formula (ekubalweni isithakazelo loan) imi kanje: 10 000: 100 X 0.5.

Uma ikhomishini azifani, it is icala phezu izikweletu ezisele (umzimba imalimboleko). i samuntu okunjalo kunenzuzo esengeziwe ikhasimende, kusukela inani isithakazelo njalo ngincipha. Njengoba ojwayelekile, kusho ikhomishana likhokhelwa esele esikweletini njengoba of the last usuku ibhizinisi lwenyanga. Okusho ukuthi, uma ikhasimende esekhokhe inani eligcwele ngomhlaka 28 kanye usuku lokugcina luwela 30, akuzange kudingeke ukuba ukhokhe sithunyiwe.

iphesenti inani lenzalo yonyaka

In the ukungabikho ikhomishana nesivumelwano sokubolekwa yaminyaka yonke senzalo kuyoba isisekelo ukubala ngokweqile. Amaphesenti njalo ibalwa izikweletu ezisele. Ngokushesha iklayenti uyonika ikhredithi, kancane ke kuyodingeka overpay.

Yini iphesenti loan kuhilelani? amabhange ezahlukene ukunikela imigomo yabo. Kungenzeka ukuthatha imali ngesilinganiso 12% kuya ku-25%. Okulandelayo uzobe kuchazwe kanjani ukubala nesithakazelo imalimboleko (ifomula). Isibonelo: iklayenti wathatha loan in inani ruble 10 000. Lonyaka izinga isivumelwano 15%. Ngosuku ikhasimende uzokhokha 0,041% (15: 365). Ngakho, ngenyanga yokuqala kuyodingeka bakhokhe lemali isithakazelo inani ruble 123.

ruble 10 000 100 x 0,041 = 4 10 kopecks - nenani ngokweqile ngosuku.

4.1 x 30 = 123 ruble / ngenyanga. (Kuncike ekutheni izinsuku ezingu-30 ngenyanga).

Cabangela eminye. Iklayenti ukukhokhela kuqala ruble 500. ngaphansi kwesivumelwano akukho ikhomishana. ruble 123 uzobe esichithwa isithakazelo, ruble 377 - sokukhokhwa umzimba. esele esikweletini kuyoba 9623 ruble (10 000 - 377). Lona umzimba imalimboleko, ku ezoqhubeka ezicela isithakazelo.

Kanjani ngokushesha ukubala ngokweqile ku loan?

Umuntu kude emkhakheni wezezimali, kunzima ukuqhuba kokusebenzisa izibalo. amabhange amaningi anika amakhasimende credit wokubala evumela ukuthi wena ukubala ngokushesha ngokweqile by inkontileka. Okufanele ukwenze nje ukungena ku-izikhungo iwebhusayithi inani izikweletu futhi isikhathi esivezwa we yonyaka amaphesenti rate. Ngemva imizuzwana embalwa uzokwazi ukufunda inani ngokweqile.

Loan Calculator - ithuluzi umsizi ukuze cishe ukubala inani ngokweqile okucatshangelwayo. Lezi kungukuthi umthwalo. Inani ngokweqile kuncike nenani kwezimali ezokwenza ikhasimende kanye isikhathi sokukhokha imali ebolekiwe.

Yiziphi uhlelo buyiselo ku loan?

Kukhona izinketho ezimbili kukhona buyiselo. Classic sihlinzekela nokukhokhwa ingxenye ethile yemali ebolekwayo futhi inani lenzalo. Isibonelo: Iklayenti unqume ukuthatha boleko ngonyaka in inani ruble 5,000. Ngaphansi kwemigomo, izinga yonyaka 15%. Nyanga zonke kuyodingeka bakhokhe loan e inani umzimba 417 ruble (5000: 12). Formula (ukubala inzalo loan) zaziyoba ibukeke lokhu:

5000: 100 x 0.041 = 2 ruble 05 kopecks - nenani ngokweqile ngosuku.

2.05 x 30 = 61 ruble angu-50 kopecks (inqobo ngenyanga izinsuku ezingu-30) - nenani ngokweqile ngenyanga.

417 + 61,5 = 478 ruble kopecks 50 - inkokhelo saziso ubuncane.

Kuhlelo classical buyiselo inyanga ngayinye inani izinkokhelo incipha njengoba inzalo emalini esele esikweletini.

Annuity izinkokhelo uhlelo inikeza loan in izitolimende elinganayo. Ekuqaleni usethe inani elimisiwe ukukhokhelwa ubuncane. Ngokusho iningi imali njengoba ukukhokhelwa kwesikweletu uya sokukhokha imali ebolekiwe, njengoba ngokweqile isithakazelo kuyehla.

Cabangela nasi isibonelo. Iklayenti wanquma ukuthatha imalimboleko iminyaka engu-10 e lemali ruble 100 000. Izinga yonyaka u-12%. Ukukhokha okweqile 0,033% ngelanga (12: 365). Formula (ukubala inzalo loan) zaziyoba ibukeke lokhu:

100 000: 100 x 0.033 = 33 ruble - nenani ngokweqile ngosuku.

33 x 30 = 990 ruble - nenani ngokweqile ngenyanga.

Inkokhelo ubuncane kungenziwa isethwe inani ruble 2,000. Ngenyanga yokuqala ku senkokhelo imalimboleko ngizoya e ruble 1100, leli nani ke kuzoncishiswa.

izinhlawulo

Uma ikhasimende yasebhange ehluleka ukuhlangabezana nezibopho zakhe izikweletu, isikhungo sezimali unelungelo lokukhokhisa inhlawulo. Imibandela kufanele kuchazwe inkontileka. Isijeziso kungenzeka ethulwa noma njengesamba semali noma ngesimo zenzalo. Uma inkontileka ezibekwe nezinhlawulo inani $ 100, isibonelo, inani inkokhelo elandelayo ubuncane izobalwa akunzima. Kuyinto kudingekile kuphela ukuze ungeze $ 100.

izinto ezilukhuni, uma ama-penalty anikezwa ngendlela zenzalo. Njengoba ojwayelekile, ukubala senzeka ngesisekelo isamba semali esele isikhathi esithile. Ngokwesibonelo, iklayenti kwadingeka benze ngaphambi komhla ka Meyi 5 esiphansi senkokhelo ruble 500, kodwa ayizange. Ngokusho isivumelwano, isijeziso 5% isamba semali esele. Ukubalwa inkokhelo elandelayo oyokwenziwa kanje:

500: 100 x 5 = 25 ruble - nenani esihle.

Kuze Juni 5 amaklayenti kuzodingeka ukuthi wenze ruble 1025 (inkokhelo ezimbili okungenani ruble 500 futhi 25 ruble emihle).

Kufinyeta

Ngokuzimela ukubala inzalo loan ilula. Umuntu kumelwe amane sokuhlola ngokucophelela izimo yesivumelwano futhi usebenzise amafomula kuchaziwe ngenhla. Lula umsebenzi elikhethekile loan calculators, okuyinto ethulwa kumawebhusayithi ezisemthethweni yisikhungo sezinhlangano eziphambili zezezimali. Kuyinto kukhunjulwe kuwufanele esaveza ukubala Indlela kuphela. Inani ngqo zingahluka ngokuya ngezinto eziningi ezifana kwesikhathi credit, inani izinkokhelo, nokunye. Zincane eside loan D., kuyancipha futhi ngokweqile.