Abanikazi beShishini kufuneka baqonde indlela yokuHlaba iMboleko
IShedyuli yeMamori yitheyibhile epheleleyo yeentlawulo zemali-mboleko ezihlanganisiweyo, kubonisa inani leminqununu kunye nenani lentlalo echaphazela inkokhelo nganye ukwenzela ukuba umboleko uza kuhlawulelwa ekupheleni kwekota.
Nangona nganye inkokhelo yexesha elifanayo ifana, xa uqala ukuhlawula, ininzi yentlawulo nganye yesikhokelo inomdla. Ipesenteji yentlawulo nganye eya kwiintlobo iyancipha ngokuhamba kwexesha kunye neepesenti eziya kwenyuka kwinqununu. Kamva kwishedyuli, ininzi yentlawulo nganye yesikhokelo yinqununu. Umgca wokugqibela weShedyuli yeeMali ubonisa inzala epheleleyo yomboleki kunye neentlawulo eziphambili zexesha elipheleleyo le mboleko. Le ngxowa kuthiwa iyahluthwa xa ihlawulelwa kwizitofu ezilinganayo kwixesha okanye ubomi.
Ishedyuli yentlawulo, ngakwelinye icala, iyahluke kakhulu. Ishedyuli yokuhlawula ikhalenda, ibonisa kuphela xa iintlawulo zemboleko zifanelekile. Ibonisa imihla nganye yeentlawulo zakho kunye nemali yokuhlawula, kodwa ayichitheli ukuba ininzi yentlawulo yakho iya kwi-interest okanye ingaba isetyenziswa kangakanani kwinqununu yakho.
Ukubala iShedyuli yeeMali
Nangona kukho izixhobo ezininzi ze-intanethi zokubala ishedyuli yohlengahlengiso, kufuneka ukwazi kwaye ukwazi ukugqiba izibalo ngesandla.
Ngaphantsi kwishedyuli yohlengahlengiso yemali-mboleko ye-$ 20,000 kwi-9% echazwe, okanye umyinge wenzala yeminyaka emihlanu. Imboleko ihlelelwe ukuba ihlawulwe ngeentlawulo ezilinganayo zonyaka kwixesha elihlanu leminyaka. Nantsi ingcaciso yokubala amanani kwikholamu nganye:
Ikholamu 1: Lo ngumcimbi nje kuphela umboleko obalaseleyo.
Ikholam yesi-2: Lo ngumyinge wokuqala we mboleko ye $ 20,000. Uyabona ukuba loo mali ibincitshiswe njani unyaka ngamnye ngelixa le nqununu ehlawulwa ngemboleko. Inqununu iya kuhlawulwa kwiimvenge zonyaka ezilinganayo eziza kwenza iintlawulo eziphambili zi-4 000 ngonyaka ngonyaka wexesha leminyaka-mboleko.
Ikholam yesi-3: Intlawulo yentlawulo ibalwa: Inzala ehlawulweyo + Inkokhelo ehlawulwayo
Ikholam yesi-4: Intlawulo yeNtlawulo ibalwa ngolu hlobo lulandelayo: Ukuqala kwe-Balance X .09
Ikholam yesi-5: Iintlawulo zeenqununu zihlawulwa ngokulinganayo ngonyaka njengoko kuchazwe ngumboleki
Ikholomu 6: Ukuphela kweBhalance ngexesha ngalinye = Ukuqala kweBhalance - Inkokhelo ehlawulwayo
Ishedyuli yeMali yeNgxowa-mboleko yeBhanki yeBhanki
| UNYAKA | UKUQALA UKUBHALA | INGXELO YOKHLAWULWA | UKUPHATHA | KWIINQUNUNU | UKUQALA UKUQALA |
| 1 | $ 20,000 | $ 5,800 | $ 1,800 | $ 4,000 | $ 16,000 |
| 2 | 16,000 | 5,440 | 1,440 | 4,000 | 12,000 |
| 3 | 12,000 | 5,080 | 1,080 | 4,000 | 8,000 |
| 4 | 8,000 | 4,720 | 720 | 4,000 | 4,000 |
| 5 | 4,000 | 4,360 | 360 | 4,000 | 0 |
Ukusebenza kwiShedyuli yeeMali
IShedyuli yeeMali iya kukuxelela ngokukodwa ukuba nomdla oya kuwuhlawula ngethuba le mboleko. Nangona kunjalo, ukuba ukuhamba kwemali kulungele ukuba unakho ukhetho lokuhlawula imali ngokukhawuleza ngokuhlawula ngokutsha, okanye ubuncinci ukuhlawula imali kwaye ulondoloze enye yaloo mdla ukuba umboleki ufuna ukufaka intlawulo kwinqununu.
Funda amaxwebhu akho ebolekisiweyo ngokucophelela ukuze uqonde eli lungiselelo, kwaye ukuba kukho nayiphi na isohlwayo sokuhlawulwa kwangaphambili okanye iintlawulo ezihlawulwe ngumboleki welungelo lokuhlawula imali mboleko kwangaphambili.