Indlela Yokubala Inzala Yomzimba

I-"com" kwisiqulatho nayo ithetha enye ininzi "com" ekhankanywe. Imiphumo yeminqweno enomdla kwimali ibalwa nje kuphela kwinqununu yokuqala kodwa inomdla kumdla oqokelelweyo. Njenge-arhente yendawo yokuhlala esebenzayo nabathengi bezindlu zokuthengisa, ukuba kubalulekile ukuba inzala ibe yinto ebalulekileyo, kubalulekile ukuba ukwazi ukubala inzala. Ngokuqinisekileyo, kulula ukuba nomlinganiselo wokubala, kodwa akukho ndawo ithatha indawo endaweni engundoqo kunye nemiphumo yokuhlanganiswa.

• Ubunzima: Kulula
• Ixesha elifunekayo: imizuzu eyi-10

Nantsi indlela

1. Ukusebenzisa indlela elula yokutshata: Makhe sibone i-dollar eyi-100 000 yenqununu ngenani le-interest rate ye-6%, lihlanganiswe ngonyaka iminyaka emithathu.

   Unyaka 1

   $ 100,000 X .06 ngonyaka omnye unomdla we-$ 6000.

   Unyaka 2

   Ngoku sinamaRandi ayi-106 000 X .06 okwesibini kunyaka ngowama-6360.

   Unyaka 3

   Ukuqala nge $ 112,360 i-X .06 = $ 6742 inzala.

   Ekupheleni konyaka we-3 sinemali eyi-119,102. Njengoko uyakubona, umdla wenzalo ngokuqinisekileyo uyabulala inzala elula yokubuyela.

2. Njengendlela yokwenza imathematika: Le ndlela ifanelekileyo, kodwa into encinci njengoko sifuna ukuphakamisa inamba ngamandla.

   Inqununu X (1 + Ixesha lexesha eliphantsi) ^ Inani lexesha lexesha = Inani elizayo

   $ 100,000 X (1 + .06) ^ 3 = Inani elizayo

   I $ 100,000 X (1.06 x 1.06 x 1.06) = Inani elizayo

   I-100,000 i-X 1.19 = i-119,100 idibene.

3. Ngaba ungumtyalo-mali wezindlu? Fumana i- Real Estate Financial Calculator Izixhobo kunye nespredishithi apha .

Icebiso

1. Abaveleli abaye bafumana eli nqaku banceda bafunda ngokubala inani lentengo .

Ingaba ufuna ntoni

• Nje ipencil okanye umbala wokubala.

Ukufikelela Kweminye Imida Yomdla

Le ngxoxo isele ihlawule umdla, indleko zakho zokusebenzisa imali yomnye umntu. Yilona sixhobo lokubaluleka, ngokukodwa imali yokuthenga impahla.

Enye yezona zinto zinkulu kakhulu malunga nokutyalwa kwezindlu zangaphandle kukuba kukho iindlela ezininzi ezahlukahlukeneyo zokutyala imali kunye nokwenza inzuzo.

Unokuthenga iimali zokuthenga. Ukuba ukhangele kuyo, mhlawumbi uya kumangaliswa ukuba mangaphi amakhaya athengiswa ngonyaka ngamnye kunye nomnini-mali. Abaninzi baya kuba ngabokuqala imali, ngelixa abanye baya kuba nemizuzwana. Ingongoma kukuba aba ayingeniso yokubambisa ibanjwe ngamabhanki, kunoko baye bathengisa ikhaya labo kwaye baxhaswa ngemali kumthengi ngokupheleleyo okanye inxalenye.

Kutheni benokukwenza oku? Kungaba yindlela kuphela yokufumana umthengi ozithandayo owayengenako imali kwikhaya. Kukho iingeniso zerhafu ekukhupheleni okanye ukulibazise ixabiso lentlawulo ngokufumana imali ngemali yomthengi.

Ngoko ke, sinabo bonke abanikazi bepropati abadlulileyo ngaphandle abaye bathengisa amakhaya abo baze bathathe imali yokubolekwa ngemali endaweni yengeniso. Ngexesha elithile banokukhathala ngokuqokelela iintlawulo, okanye mhlawumbi kufuneka bakhuphe ezinye izizathu, njengeendleko zonyango. Iphuzu kukuba bafuna okanye bafuna ukufumana imali kwi-note yabo kunokuba baqhubeke nokuqokelela imali yokuboleka imali.

Umtyalo-mali unako ukuthenga i-note, eyenza ukuba ibe ngumntu oyimali eqokelela intlawulo kunye nomdla kwi-flow flow cash flow.

Enyanisweni, kwiimeko ezininzi kuya kubakho isaphulelo esisetyenzisiweyo, kwaye kuya kufuthi kusekelwe kwimilinganiselo yenzalo ekhoyo ngokuthelekiswa nomyinge wenqaku.

Ukuba ngaba abatyala-mali bafumana iqondo elingcono kwenye indawo, baya kuthatha. Ngoko ke, xa amaxabiso athengiswayo eqhuba ama-5%, ukuba inqaku li-4%, umtyalo-mali uza kuyithenga ngesaphulelo semathematika esabalwa ngokusekelwe kubude beli kota. Ekubeni i- mortgages ikhuseleke ngakumbi kunezinye iintlobo zembolekiso, kukho ininzi yale nqaku ekuthengwayo. Kukho into eninzi kuyo, yenza njalo uphando lwakho.