Kusiyaniswa kubhadhara zvinobatsira avo.

Shoko "chikwereti" mumazuva edu inozivikanwa vose. Munhu akanga nani pekugara, shamwari munhu kana hama vane mufurati uye ikozvino mari yakawanda mwedzi wose.

Kana uri kuronga kutenga nzvimbo iyi mhando chikwereti, ungangodaro mberi nguva sarudzo izvo, kana pagore negore kubhadhara kuti kusiyaniswa muripo.

Ngatikurukurei kuti mari, chii uye chii Zvinobatsirei.

Kusiyaniswa mubhadharo - kubva chikwereti muripo, umo unorema chikwereti iri akaripa zvienzane Yakabudiswa mhando, uye kufarira uchava bhadharika pamusoro zvasara.

Pagore Negore kubhadhara - zvakafanana mhando muripo chikwereti umo zvose wechikoro uye kufarira vanobhadharwa zvienzane Yakabudiswa.

Ndezvipi zvakanakira mumwe pamusoro dzimwe mari kubva pakuona kwoMutsvene munhuwo zvake?

Muchiitiko chokutanga mubereko rinowanikwa pamusoro dzasara, uye sezvo zvinoderedza, ipapo mhosva vachazopedzisira kuva shoma uye zvishoma. Zvichienderana nguva, kuwanda remwedzi kubhadhara anogona kuderedzwa kaviri sezvo zvichienzaniswa chepakutanga.

A Chivakashure ndinoiitawo ndechokuti pamusoro nguva, mari vari kuderedzwa. Mortgage kutora makore 10-25, uye munguva ino mhuri zvakanaka kunogona kukanganisa zvikuru kudzingwa mumwe vawanani, kurwara kwenguva refu, pakuonekwa pakutanga kuzvironga mwana. Nokuti izvi kana zvimwe zvikonzero, mhuri ichava zvakaoma chaizvo nemari kupa mazakwatira pamusoro pamwedzi hwaro. Constant rutapudzo vachibhadhara, izvo zvinopa kusiyaniswa kubhadhara, kuchatibatsira chaizvo.

Chokwadi, pane chinokosha kuvamirira. Sezvo uwandu chikwereti uye kufarira kuzochinja, zvakare, asina ramiswa, zvinoderedza ichi mukupera kubhadhara kunokwanisika yakafanira kuwedzera pakutanga. Achienzanisa kusiyaniswa pagore negore kubhadhara, zvinogona kunzi kusiyaniswa kubhadhara makore okutanga achava yepamusoro zvikuru. Kwete mhuri dzose anogona kubhadhara mari mutoro. Saizvozvowo, mabhengi kashoma kupa "zvakanaka" nokuti mortgages uyu muripo maitiro. Ukuwo, kana tichifungidzira kuti mari yose kuti mukwereti achapa kubhangi, pamwechete mubereko - chinhu naro kusiyaniswa kubhadhara aiwanzova zviduku.

In pagore negore yayo zvakwakanakira - mwedzi kubhadhara regai kusanduka nenguva, saka unogona kuronga bhajeti yenyu kwemakore akawanda kuuya. Uyewo, kutanga mubhadharo haisi yakakwirira.

Asi Ukuwo, kana pfuma yemhuri hwakachinja zvakaipisisa, chikwereti vachafanira kubhadhara zvakaoma chaizvo.

Chimwe chinokosha chinetso ndechokuti saizvozvi chikwereti hakusi zvinobatsira kuti kuvhara mangwanani. Kwete, zvimwe zvinobatsira chero zvazvingava. Asi chokwadi ndechokuti pakutanga (mumakore okutanga), vakawanda kubhadhara vanoumba yechimbadzo chikwereti. Nokufamba kwenguva, unorema chikwereti uye mubereko zvichienderana, uye mumakore achangopfuura, anokwereta mubayiro mukuru chikamu chikwereti. It anotevera kuti, nokuvhara ane chikwereti mangwanani, kwakabva mhuri kuzvitenga kwete chete chikwereti yose, asi chikuru chikamu mubereko.

Kana pamberi penyu kumirira mortgages, kusiyaniswa kubhadhara zvinogona dzaona sezvinotevera:

(Chikwereti Amount * nokuda pamwedzi chimbadzo * nguva (mu months) kuti zvakabuda chikwereti + 1) / 2 = pamwedzi kufarira mari.

The chikwereti / nguva kuti zvakabuda chikwereti (mu months) = kukosha wechikoro, izvo zvinofanira kubhadharwa pamwedzi.

Zvisinei, manually ngaaverenge mwedzi kubhadhara hazvisi zvakakodzera. mabhanga Most pamapeji dzavo paIndaneti macalculator inokubvumirai kwerubwinyo rwakagara rwuripo ngaaverenge pagore negore uye kusiyaniswa kubhadhara. Zvaringana kusarudza chikwereti rokuti, chitsama pasi muripo, chimbadzo. Mortgage karukureta anoti chitsama overpayment pacharo uye pamwedzi kubhadhara.