Ukwazi I-Rate Rate yakho inokusinceda Ugcine imali
Kukho iindlela ezininzi zeebhanki ezisetyenziselwa ukubala amaxabiso omyinge kwaye nganye indlela izakutshintsha inani lemali oyihlawulayo. Ukuba uyazi ukubala inani leenzala, uya kuqonda ngokucacileyo isivumelwano sakho semboleko kunye nebhanki yakho. Wena uya kuba kwindawo efanelekileyo yokuxoxisana nomyinge wakho wenzala kwibhanki yakho.
Xa ibhanki ikucaphula umyinge wenzala, icaphuna into ebizwa ngokuba yimpembelelo enomdla, eyaziwa njengezinga lepesenti ngonyaka (APR) . I-APR okanye inqanaba elifanelekileyo lemfuno lihlukile kunezinga elichazwe ngumdla, ngenxa yemiphumo yokuhlanganiswa komdla.
Iibhanki nazo zinokubambisa isamba sakho somdla kwi-benchmark, ngokuqhelekileyo inqanaba lokubaluleka lomdla. Ukuba umboleko wakho uquka uncedo olunjalo, inzala yakho inomdla iyahluka, kuxhomekeke ekutshintsheni kweli nqanaba.
Indlela yokubala inzala kuMboleko wonyaka owodwa
Ukuba uboleka i-$ 1,000 ebhankini omnye unyaka kwaye kufuneka ukhokhe imali engama-R60 engama-nyaka kuloo nyaka, inani lesenzalo sakho elichaziweyo li-6 ekhulwini. Nantsi ukubala:
Inqanaba eliphumelelayo kwiNzala yeMali elula = Inzala / inqununu = $ 60 / $ 1000 = iipesenti ezi-6
Ipesenti yakho yonyaka yepesenti okanye i-APR iyafana nereyithi echazwe kulo mzekelo kuba akukho nxaxheba inomdla wokuqwalasela.
Le mboleko elula yenzalo.
Okwangoku, le mboleko ethile iya kuba yinto encinci xa ugcina imali ixesha elifutshane. Umzekelo, ukuba uboleka i-$ 1,000 kwi-bhanki iintsuku ezili-120 kwaye inani lesenzalo lihlala kuma-6 ekhulwini, inqanaba le-interest rate liphezulu kakhulu.
Inqanaba eliphumelelayo = Inzala / Inqununu X Days in the Year (360) / Iintsuku Zemali ziPhambili
Izinga eliphumelelayo kwiNgxowa-mali ngexesha elidlulileyo kunomnyaka = $ 60 / $ 1000 X 360/120 = iipesenti ezili-18
Inqanaba elifanelekileyo lomdla li-18 ekhulwini kuba usebenzise kuphela imali kwiintsuku ezingama-120 endaweni yeentsuku ezingama-360.
Imali Yenzalo Ephumelelayo kwiNgxowa-mali eZithengisiweyo
Ezinye iibhanki zinikela ngemali mboleko. Iimali-mboleko ezithengiweyo zibolekiweyo abanomvuzo wokubanjelwa kwinzala evela kwinqununu ngaphambi kokuba ibolekwe.
Inqanaba eliphumelelayo kwimali ehlawulelwayo = Inzala / Inqununu - Inzala X Iintsuku eziNyaka (360) / iintsuku Zemali ziPhambili
Izinga eliphumelelayo kwimali ehlawulelwayo = $ 60 / $ 1,000 - $ 60 X 360/360 = i-6.38 ekhulwini
Njengoko ubona, inqanaba elifanelekileyo lomdla liphezulu kwi-mboleko ehlaziyiweyo kunokuba iboleke imali elula.
Ixabiso leNtsebenzo eliphumelelayo kunye ne-Balance Compensation
Ezinye iibhanki zifuna ukuba iqumrhu elincinci loshishino lisebenzise ibhanti yebhanki yebhanki ibambe ibhalansi, ebizwa ngokuba yi-balance balance, kunye nebhanki yabo ngaphambi kokuba ivume imboleko. Le mfuneko yenza inani elifanelekileyo lemfuno ephezulu.
Izinga eliphumelelayo kunye nokuhlawulwa kwemali (c) = Inzala / (1-c)
Ibhalansi yokuhlawulwa kwezinga eliphumelelayo = iipesenti ezi-6 / (1 - 0.2) = iipesenti ezi-7.5 (ukuba i-c i-20%
Imali Yenzalo Ephumelelayo kwiMali yeMali
Abathengi abaninzi baneemali-mboleko zentlawulo, ezibolekwa imali ehlawulwa kunye nenani leentlawulo.
Ininzi yemali mboleko yemoto iyimboleko mboleko, ngokomzekelo.
Ngelishwa, enye yezinga eliphezulu lemali edidekayo oya kuyiva elicatshulweyo kwi- mboleko yebhanki kukuba loo mboleko mboleko. Iirhafu zentengo yemboleko yemali mboleko ngokuqhelekileyo ixabiso lentlawulo ephezulu kakhulu oza kuhlangana nayo. Ukusebenzisa umzekelo ovela phezulu:
Inqanaba eliphumelelayo kwimali-mboleko ye-installment = 2 X I-# yenkokhelo yonyaka X Inzala / (Inani elipheleleyo leentlawulo + 1) X Inqununu
Imilinganiselo ephumelelayo / yemali mboleko = 2 X 12 X $ 60/13 X X $ 1,000 = 11.08 iphesenti
Ingeniso yenzalo kule mboleko yemali yesitolimende ingama-11,8 ekhulwini, xa kuthelekiswa nama-7.5 ekhulwini ngemali-mboleko ngokuhlawulwa kwemali.