Abanini-zimali bezindlu, xa benenzuzo yezemali, banokuthatha isibonelelo semali esivela kumthengisi xa befumana ipropati yotyalo-mali. Xa oku kwenziwa, kukho inkqubo efunekayo kwi-interest mortgage interest.
Njengokuba inzala yomhlalaphantsi ihlawulwa kwiimbuyiselo, umthengisi uya kuhlawulisa umthengi ngenzala "ukuya okanye" ngomhla wokuvala, njengoko umthengi uya kubhatala loo ntlawulo emva kwentlawulo elandelayo emva kokuvala.
Njengokuba kuninzi kuninzi, kuya kufuneka siyazi kwisivumelwano sokuthenga nokuba siza kukhwela okanye ngokuvala.
- 1. Bala iintsuku zomdla umthengi uhlawule umthengi.
- 2. Misela inani ngemini yomdla.
- 3. Yandisa inani leentsuku ngemali / usuku leleyo.
Makhe senze isampula-projekthi. Umtyalo-mali-mali uvale kwipropati yerenti ngomhla we-16 kaJulayi. Ibhalansi yemali i-$ 257,505, ngenani lentengo ye-6.75%, kwaye sisebenzisa unyaka wekhalenda we-365. Siza kuthungula "ngomhla" wokuvalwa. Oku kuthetha ukuba umthengisi uhlawula umhla wokuvala umdla.
- 1. Umthengisi weentsuku kufuneka ahlawule umthengi ngowama-16 kuJulayi 1 ukuya ku-16.
- 2. I $ 257,505 X .0675 = $ 17381.59 eyahlula ngama-365 iintsuku = $ 47.62 / ngosuku
- 3. I $ 47.62 / intsuku yemini X iintsuku eziyi-16 = $ 761.92 ukusuka kuMthengisi kumthengi
Oku kuya kuba yi-DEBIT kuMthengisi kunye ne-CREDIT kuMthengi.
Ngokuphathelele Ukunyusa kwiintengiso ezithengiswayo
Ukukhangela kwenzalo yempahla ekuthandweni kwemali ngokwenene akunjalo, njengoko ukucinga ngemali yokuthenga ngempahla kungekho.
Kukho inani lezinto kwisitatimende sokuvala, ukuhlala okanye ukuthengisa, okufuna ukulinganiswa kweemali ukuqinisekisa ukuba umthengi kunye nomthengisi bahlawula isabelo sabo sokuhlawula ngokusekelwe kumhla wokuvala.
Imirhumo yePropati
Iirhafu zepropati zihlawulwa kwiimbuyiselo, ithetha ngunyaka odlulileyo. Ukuhlawulwa kwentlawulo yepropati ngokuqhelekileyo kuyona eqhelekileyo, njengoko iintlawulo zihlawulelwa rhoqo ngonyaka, kungekho ngenyanga.
Kwakhona, ukuba kukho imali yokuthenga imali, kuya kuthi kubekho ukunyuswa kweerhafu eziqokelelwa ngenyanga ukwenzela ukuba isiqinisekiso sokuthi umrhumo wonyaka ohlawulelwayo ungabhekiswa xa ufunyenwe. Ngokusekelwe ngomhla wokuvala, umthengi uya kufumana iitaliti yemali yentlawulo eya kuhlawulwa ukususela ngaloo mini ukuya ekuqaleni komhla werhafu. Emva koko baya kuhlawula umrhumo werhafu ngokupheleleyo xa kufanelekile. Umthengisi uya kuhlawula ngokufanelekileyo inxalenye yabo yentela yonyaka kumthengi ukuze asetyenziswe ngexesha lokurhafu.
Ininshurensi yePropati
Umthengi uya kuba noxanduva lwe-inshurensi kumhla wokuvala. Umthengisi usenokuhlawula i-inshurensi, ngoko ke uya kufumana i-credit nayiphi na imali abaye bahlawula ngayo iintsuku emva kokuvala.
Rents
Oku kuqhelekileyo kwiindawo zokuhlala kunye neentlobo ezininzi zentsapho, kodwa izindlu zentsapho ezingatshatanga ziqeshwe. Ukuvalwa kwakuya kufuneka kube ngomhla wokugqibela wenyanga ukwenzela ukuba ugweme ukufunwa kwepropati . Ukuba ivalwe umzekelo phakathi kwenyanga, umthengisi uya kuqokelela ii-rents kwenyanga yonke. Umthengi uya kufumana iitaliti kwiingeniso ukusuka phakathi ukuya ekupheleni kwenyanga.
I-Space Space More Complex
Kukho iindlela ezahlukeneyo zokuseka iinqashiso zokuthengisa. Abanye banabalimi abahlawula isahlulo, okanye zonke, iintlawulo nezinye iindleko zokusebenza.
Naliphi na le nto inokufuna ukulinganiswa kwepro-pro, kunye ne-ofisi yokuthengisa i-complex okanye indawo yokuthenga, oku kuya kufuna ukubala kuyo yonke indawo yokuqeshisa ukuba ukwabelana ngeendleko nomnini womnini.
Ndithe ndathetha ngokutsha kweendleko zezorhwebo, ukwenzela ukuba kuthengiswe indawo enkulu yokurhweba kwendawo yokurenta, kubekho ezininzi zezibalo. Yingakho kukho iingxelo.
Ngokuthe nawuphi na umthengi wezinto ezikhoyo ezibandakanya iimali ezihlawulwa ngaphambi okanye ezihlawulwa emva koko ziya kufuna ukulinganiswa kwezinto ezifanelekileyo kwi-statement yokuvala. Akuyinto into yokuba uchwepheshe wezentengiso uyayenza, kodwa kufuneka babe nokukwazi ukuyichazela umthengi okanye umthengi umthengi.