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Kuyini kubhadalwa kwemali yemphesheni ekuvuthweni ngesikweletu?

Ngenxa ukuthandwa credit sonke, izakhamuzi ezivamile, babe engasasebenzi yamabhange, steel akuyona sibi kakhulu kunalokho okuboniswa ochwepheshe ukuze uqonde izinhlobo nemibandela sokubolekwayo.

Amabhange ukunikela ezahlukene inzalo engako, futhi imigomo, kanye nemibandela ezahlukene: nge inkokhelo yokuqala noma cha, nge yisibambiso impahla noma ngaphandle kwalo - sisuke eduze babazi kahle, bakhetha for elilodwa noma ezinye umkhiqizo ebhange. Kodwa kukhona omunye iphuzu lapho bambalwa abantu unake - lolu hlobo izinkokhelo ukuqaliswa isikweletu ukubuyiswa kwemali. Kule ipharamitha incike lemali yokukhokha nyangazonke, okuyilona elisebenzayo futhi esibalulekile, ngoba kuzodingeka emalini engenayo yethu phakathi nesikhathi nokuxhumana ebhange.

Kuwufanele wazi ukuthi kukhona lokuzikhethela: annuity noma izinkokhelo umahluko. Kodwa kukangaki sikunikeza izinqumo ezinhle? Njalo, ngoba ibhange oholela kangcono kulabo izinkokhelo, okuyiwona umboleki uphoqelekile ukuba sizinake ngaphezu, t. E. annuity. Sivumelana, unganqikazi, nje ngoba asiziqondi iningi lokho izinkokhelo annuity. Uma imigomo yemali ebolekwayo ezihlongozwayo yibhange wabonisa ukuthi kungenzeka ukuba ukhethe uhlobo lokukhokha, ngeke kahle ukuthatha leli thuba ukuba sicabangisise ngalokho ngempela oholela kangcono futhi kuwusizo kakhudlwana.

Annuity izinkokhelo - yilezo lapho inani inkokhelo yakho ku-loan Kuyokwenziwa okufanayo ethemini buyiselo. Lapho umahluko lenkokhelo inyanga ngayinye kuzohluka phansi.

Ake sihlole lokho izinkokhelo annuity, futhi kungani amabhange ngokuvamile abanika lona? Njenganoma iyiphi enye indlela yokukhokha ku loan, lokhu liqukethe izingxenye ezimbili: uthishanhloko kanye enqwabelene ngenzalo yayo evelele e enanini elihlongozwe nemibandela nesivumelwano sokubolekwa. Ngakho, ngo-ingxenye yokuqala lenkokhelo yakho ezikweletini kuba ingxenye encane kakhulu inani kuthishanhloko, futhi kamuva ukhula. Lokhu kusikisela ukuthi inani izikweletu kuyehla kakhulu, kancane kakhulu, futhi isithakazelo ibalwa njalo ngosuku ngaphezu ncamashi. Ngakho-ke, ngokuvamile kwenzeka ukuthi lo muntu obolekayo, engazi ukuthi izinkokhelo annuity, futhi abafuna ekuqaleni imali ebolekiwe, ngokungazelelwe kungalindelekile uthola ukuthi ezinyangeni ezimbalwa, futhi ngisho neminyaka, enika ebhange njalo ngenyanga isamba esikhulu, kanye nenani izikweletu kwehle kancane kuphela . It kuvela ukuthi inzuzo futhi ibhange akuyona umboleki inzuzo - ngoba ukhokha isithakazelo, kunjengokungathi kusengaphambili, futhi uma unquma lokuqala ngokukhokha iba loan, Ukuzama wonge imali, ngeke uthole - inzalo phezu loan isivele ikhokhwe.

Plus annuity izinkokhelo azinze. Ngosizo lwabo, kulula ukuhlela ibhajethi yakho, ukwazi ukuthi hlobo luni imali uzoba ukulayisha inyanga ngayinye. Yilokho izinkokhelo annuity.

Njengoba kubonakala kahle ngenhla, izinkokhelo umahluko mancane elula ukwenza izibalo, kodwa ukonga ngaphezulu. Bayingxenye uthishanhloko okukhulunywa ngaso nombala kuyo yonke eside loan, futhi inzalo enqwabelene esele, ukwehla nyangazonke ngenxa nokuncipha izikweletu. Izinkokhelo wokuqala kungaba umthwalo osindayo ibhajethi yakho, kodwa esikhathini esizayo lemali uzokwehla futhi kuzovumela ngisho wena ukukhokha off the loan ekuseni.

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