How kuverenga yechimbadzo chikwereti

Vakawanda tichikufunga kutsaukira zvikwereti, nekuti zviri nyore zvikuru kuti kukwereta mari mhindu, iwe kumbira yakawanda shamwari neshamwari nechikwereti. Muupenyu hwedu, dzimwe nguva zvinhu zviitike, kugadzirira kuti pachine kwakaoma, uye akamirira "kuchinaya zuva" mari haisi kukwana. Kuva verenga rinotyisa nyaya mumapepanhau, kana pemahombekombe kuti chikwereti angabira mufurati, motokari uye hembe, vanhu vakawanda vanoedza kugadzirira pachine kuti rwendo kubhengi. Tadzidza zvose zviri chikwereti mubhangi, unogona kuedza pachako kupindura mubvunzo "sei kuverenga yechimbadzo chikwereti," uye kuwana kukura overpayments ramangwana.

Anenge mabhanga ikozvino ngaateme zvikwereti apo pamwedzi kubhadhara ndivo pagore negore, kureva mubhadharo purogiramu haachinji mari. Mubhadharo chinosanganisira wechikoro uye mubereko pamusoro chikwereti (kana pasina mamwe pamwedzi mari). Pakutanga vachibhadhara mu uwandu pamwedzi kubhadhara ane muzana yakakwirira, uye ipapo zvishoma nezvishoma zvinoderedza, uye kuripwa wechikoro, ukuwo, kunowedzera. Dzimwe nguva kushandisa kusiyaniswa kubhadhara pamwe pagore negore kubhadhara kana uwandu pamwedzi kubhadhara ipfupi zvishoma nezvishoma. Saka, sei kuverenga pauwandu hweavo.

How kuverenga yechimbadzo chikwereti.

Mumwe pagore negore muripo kunodiwa kuva pagore negore chinhu, zvose mberi chikwereti parameters kuvimba nayo. The mutoo unoshandiswa kuverenga coefficient:

AK = KP * (1 + CP) N / ((1 + CP) N-1)
AK - pagore negore coefficient;
KP - raté chimbadzo

N - Nguva chikwereti mutsividzo mumwedzi

KP chinhu kana interest inogona dzaona kubudikidza fomura:

KP = SS / 1200 apo PS - ichi ndicho wegore chimbadzo kuti kubhengi kuzoona.

Zvino nyore kuverenga mari unofanira kubhadhara kubhengi mwedzi wose.

Rendi = Pagore Negore chinhu * The chikwereti uwandu.

Zvino ngationei ngaaverenge yaipedzerwa chikwereti, kureva, mari kuti uchava kubhadhara kubhangi rose chikwereti izwi.

The azere Mari chikwereti izwi mumwedzi = * Monthly mubhadharo pamusoro chikwereti.

Zvino, kamwe tava vachishamisika sei kuverenga yechimbadzo chikwereti, ngaaverenge uwandu overpayment pamusoro chikwereti:

Overpayment pamusoro chikwereti = Total kubhadhara chikwereti chacho - Amount of chikwereti

Zvino unogona kuronga mhuri bhajeti yenyu uye zvekushandisa zviri chikwereti nyore, sezvo imi zvino haazi zvakavanzika, sei kuverenga pauwandu hweavo.

Chinobudirira chimbadzo.

Ndinoda kutaura imwe inokosha. Munofanira kuva pachena pane zvaunazvo mupfungwa apo vachiedza kunzwisisa sei kuverenga yechimbadzo chikwereti. Kuwedzera kune wepagore chimbadzo mubhangi unogona kuparidza zvinobudirira chimbadzo. zvazvingava Izvi zvinosanganisira zvimwe overpayments zvose pamusoro chikwereti ndinoiitawo wegore chimbadzo. zvazvingava ichi ndiyo zvikuru pedyo chokwadi rinopfuura wepagore chimbadzo pamusoro chikwereti.

Zvino mashoko mashomanana pamusoro wepagore ndivo. Kune zvinhu zvakadai nyore uye akakura mubereko. Remubatanidzwa mubereko akapiwa hwemashoko kuwedzerwa zvikwereti ndinoiitawo kare kukarukureta. Simple mubereko rinowanikwa pamusoro pakutanga mari. Saka gore negore mubereko - iri mukomboni kufarira, uye hazvibviri overenga, kana tikatora yepakutanga chitsama chikwereti. Nei asina isu? Kufarira iri dzakava pamwedzi nokuda Zvakasara chikwereti huru, uye kwete yose mari, uye rinowanikwa maererano nheyo annuities.

Usazeza kukumbira mharidzo kubhengi muripo purogiramu uye enzanisa yaipedzerwa overpayment kune akatendeuka iwe. Uye musakanganwa kuverenga zvachose chikwereti mari kuwedzera pane yose mari iyo pamahombekombe uchatorera nemi dzemaKomisheni uye inishuwarenzi.