IzimaliNokubonga

Kanjani ukubala izinkokhelo loan? Kanjani ukubala ukukhokhelwa ngenyanga loan?

umuntu ongavamile namuhla ekwazile ungathathi udumo. Kodwa kwabanye kuba ithuba kuphela ukuhlinzekela ngokwabo kanye nemindeni yabo izindlu, kodwa abanye - indlela ukuba izitike ezimnandi ezihlukahlukene, okungase kubhekwe imoto entsha, izicathulo zikanokusho noma uhambo uhambo. Kunoma ikuphi, le loan - bayingxenye yezimpilo zethu, futhi kuyoba mnandi ukuba baqonde indlela ukubala nokukhokhela. Kungenzeka yini ukuba ukwenze ngokwakho ekhaya? Noma kudingeka ukuba ube uchwepheshe?

isimo Uhlolojikelele

Eminyakeni eyishumi nje edlule, kwakukhona ukukhula okusheshayo sokuthuthuka kwezimakethe zokubolekiswa kwezimali, kanye athandwa kakhulu ukuthi uboleka ngabanye. Kunengqondo ukuthi ngezezimali abantu sinyukile kancane. Empeleni, kahle, ukuthi abantu baqala ukunakekela imali yakho futhi cabanga ngokuthi singakanani bachitha. Kwadingeka ukuhlela nokuphuma kwemali nezamanje, okuvela kulo izimali ozokhula inkokhelo yemali ebolekwayo. Nansi imfihlo ukuthi ukutholakala credit kukwenza bayakhohlwa nomuzwa engokoqobo. Lokho, umuntu njalo ushiye ukulingana izimali, noma ngabe-credit card noma imali-mboleko okusheshayo. Lapho kufakazela ukuthi ukukhangisa lithembisa ukuthi isikhwama sakho kuyohlale imali izingubo ezintsha noma imoto nesembozo. Pink umgubuzelo ukuncipha ke, lapho sekuyisikhathi Mann.

Ngaphambi kokuba unqume

Yebo, kudingeka unqume on loan! Ingabe ukwazi ukuthola imali yokukhokha nyangazonke? Futhi kuyadingeka ngempela kuwe into ofuna ukuboleka imali? Udinga uthintane namalungu omndeni kanye, yebo, ungathathi le loan sokuqala ukubonakala. Ukunikezwa ziyahlukahluka phakathi amabhange, futhi ngezinye izikhathi zingaba nenzuzo eku usesho lwakho ethile. Ngokwesibonelo, i-amaphesenti eyamukelekayo kungase ezihlongozwayo umhlalaphansi abafundi noma imindeni abasha. Kufanele sicabangele ukhetho futhi i-force majeure, lapho le mali ukuze ikhokhele loan nje ngeke. Inani amabhange uya ukuhlangabezana amaklayenti futhi linikeza izikweletu ukwakha kabusha. Vumelana ukuzethemba ungeze nalapho kucatshangwe kahle imizila esiphuthumayo yokuphunyuka. Futhi-ke, kungenzeka ukubala kusengaphambili yokukhokha loan. "Savings Bank", isibonelo, ukunika leli thuba elihle kangaka online. On the website esemthethweni has a wokubala okungase linqume inani elifunekayo, futhi ayethanda loan eside.

Ngo inqubo isinqumo

Ngakho, indlela ukubala nokukhokhela? Futhi kungani-ke, uma ibhange ungenza konke wedwa? Sokumethemba ngokuphelele obala we amasevisi, isakhiwo izinkokhelo futhi akukho izimali ezifihliwe. Ungenza izibalo kwangaphambilini ekhaya, ukuba wokubala, uthathe ipeni nephepha.

izinkokhelo annuity

Ethandwa kakhulu imikhuba abolekise kukhona kubhadalwa kwemali yemphesheni. isamba wabo ukuze kuphele isikhathi sesivumelwano sesikweletu okufanayo. Le nkokhelo inezingxenye ezimbili: izimali ngokuya ngqo ekukhokhweni loan futhi inzalo enqwabelene kwinani ezikweletini. Kuze kube sekupheleni elikhokhwayo lamahubo lilingana, kodwa ekuqaleni ubuswa isithakazelo, futhi ekupheleni - eyisamba yokuqala eyisikweletu. Futhi indlela ukubala izinkokhelo emalini ebolekiwe zalolu hlobo? n )/((1+%) х ( n -1). Kukhona ifomula esikhethekile: R = C * (% * (+ 1%) x n) / ((1 +%) x (n -1).

Kulesi ifomula, P - inani lokukhokha, C - yinani imalimboleko. n – это срок начисления в месяцах. Ngakho% - ibonisa inani lenzalo, futhi n - ziyinkathi accrual e izinyanga. Ukuze kahle ukubala esimisweni izinkokhelo ku loan, lonyaka iphesenti izinga kungaba uzoguqulelwa nyangazonke, bese obonakaliswe ingxenyenamba yedesimali. It kuvela inkokhelo yanyanga zonke.

Kuze kube yimanje

Kodwa lapho wenza nesivumelwano sokubolekwa imali kuze schedule ngezinsuku ezithile, ngakhoke inani lenzalo yonyaka iguqulwe ukuze ngosuku, okungukuthi, ihlukaniswe ngenani lezinsuku ngonyaka. n растёт. Inani n iyakhula. Lapho kubalwa amazinga nyangazonke futhi nsuku zonke umehluko omncane, kuphela ezimbalwa kweshumi ruble, kodwa kungaba nesisindo. Uma ungumnikazi amatafula isakhiwo, ungakha uhlelo analog yasebhange inkokhelo kuze kube usuku.

Ngakho singangena ingxoxo umqondo owodwa ngaphezulu "inkokhelo umahluko." Kuyini futhi kanjani ukubala izinkokhelo emalini ebolekiwe zalolu hlobo? Ngakho, inkokhelo umahluko kuhlukile ukuthi kunciphe ngasekupheleni loan term, ne share yayo esemqoka - kungumsebenzi imalimboleko, kanti bonke abanye - iphesenti ku ibhalansi engakakhokhwa.

Ake sibuyele embuzweni kanjani ukubala inani inkokhelo loan. Lonke inani izikweletu ezohlukaniswa ngenani izinyanga abolekise okuhleliwe. Inombolo ewumphumela ukulethwa main. B = S: N , где B – является основным платежом, S – размером кредита, а N – количеством месяцев. Ukubalwa ifomula elula - B = S: N, lapho B - yisona kwezidingo main, S - usayizi loan, futhi N - izinyanga eziningana. Kodwa akugcini lapho, ngoba udinga futsi nifundze nendlela ukubala ukukhokhelwa ngenyanga loan kanye nenzalo. p – годовая процентная ставка. Kukhona kudingeka nenani elilodwa ngaphezulu - p - yaminyaka yonke senzalo. Ukuze ukubala sokugcina inani loan udinga ukuba siphindwe yonyaka lenzalo bahlukanise yi by ezingu-12.

Ukuze ezokuzwisisa

Ngisho noma ukubala e Ukukhokha kusengaphambili ku loan, Sberbank, isibonelo, can isamba ngokuzumayo ukumangala, ngoba kuyoba umshwalense samanje umboleki. Noma iphesenti kungenzeka, kunalokho, ukuze kube abaqotho, uma kukhona amabhonasi kulesi sibalo. Ngokwesibonelo, izinga kungase kube kuncane kunokwabanye ukuze abasebenzi ebhange. Izindleko zomshuwalense futhi ngezinye izikhathi ishiywe uma, isibonelo, igama elithi loan incane, kanye nezindleko umshwalense kuthiwa kungafaneleki. Kodwa esimweni lapho mortgage ikhishwa, umshwalense kuphoqelekile, futhi esimweni ukukhubazeka ezikweletini main umboleki ingahle ukwesulwa.

Sesihlole isimo ukuziphatha ngokwethembeka iningi inhlangano elikhiphe udumo, kodwa kuyenzeka futhi ukuze amabhange liziphathe ngendlela engafanele. Ngokwesibonelo, omunye basengathola ukubhekisela imali engenanzalo, okuyinto, ngeshwa, akwenzeki! Vele wonke amadokhumenti accrual nokuthunywa zibhaliwe ikholomu "Imali Okunye futhi wemisebenzi." Ngaphezu kwalokho, ngezinye izikhathi abasebenzi amabhange ukunikela kwezimo ezingezinhle kakhulu credit, sithembele zokungazi amakhasimende. Ucabanga kanjani ukubala ukukhokhelwa ngenyanga loan, kufanele sicele ephepheni eliphuma we amabhange ambalwa akhethwe ukuqhathanisa izimali kanye nezindleko, kanye ukukhetha esobala kunazo abolekise inketho. Mangisho ukuthi izinkokhelo umahluko ngokuvamile mahle ngaphezulu izimo ku-annuity ukubala Indlela eqondile kakhulu futhi izindleko. Into esemqoka akukona ukuthi basheshe ne ukubhaliswa kanye siyihlolisise zonke izinto ezingabazekayo.

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