Kumayambiriro alipire wa kubweza kuti: zikhalidwe, zikalata

Ngati mwaganiza prepay ngongole, muyenera mutidziwe bwino tsatanetsatane wa mgwirizano. Banks opanda pake kuti alipire oyambirira kubweza lapansi. Choncho, mu zolemba Kwalamulidwa zopinga.

mtima

Kumayambiriro alipire ngongole ya ndiye kuti ngongole yaperekedwa patsogolo ndandanda. Akuti wathunthu ngati kasitomala amapanga ndalama zonsezo nthawi imodzi. Tsankho oyambirira alipire wa zanyumba zikutanthauza kuwonjezeka ndalama mu 2-3 (malingana ndi mgwirizano). Ngati chachiwiri, pamodzi ndi kuchepa kusintha ngongole ndandanda prepay.

ziwembu

Luso kubweza ngongoleyo asanakalambe zimadalira dongosolo ngongole: pali annuity kapena malipiro kusiyanitsidwa. Ngati ngongole yaperekedwa ndalama ofanana nthawi zonse, zaka zingapo choyamba, pafupifupi ndalama zonse kupita kulipira chidwi. Kotero gombe adzakhala azipeza phindu ndi kuchepetsa mavuto.

More yabwino kwa makasitomala ndi chiwembu ndi malipiro kusiyanitsidwa. The malipiro oyamba adzakhala lalikulu kwambiri, monga iwo zigwirizana ngongole ndi chidwi accrued pa muyezo. Monga kuchuluka alipire udzakhala pang'onopang'ono mpaka kusanduka.

Athandize wokongolayo

The wokongola kwambiri chifukwa makasitomala ndi masiyanidwe dera. Thupi la ngongole ndi chidwi amalipidwa m'madera ofanana. Zilibe kanthu momwe zaka (3, 5 kapena 10) ambiri wamangawa akufuna kutseka ngongole. Iye ayenera zinthu zina bwino ndalama.

Mu annuity chiwembu ndi zosakwana phindu. Zaka zochepa choyamba, pafupifupi ndalama zonse kupita kulipira chidwi. Ndi nthawi kasitomala kusankha kutseka ngongole, iye wachita kale ntchito imeneyo, kuti kumayambiriro kuchuluka otsala kamodzi bajeti sikungakupulumutseni.

Ngati wamangawa akadali angayerekeze alipire oyambirira zanyumba (Sberbank Mwachitsanzo), kosamalira ngongole kwa recalculate. Komanso, pali zinthu ziwiri:

• chifukwa makasitomala kusunga mawu pachiyambi ngongole, koma adzakhala ndichepe ndi ndalama;
• yafupika nthawi ya mgwirizano, ndi kuchuluka kwa ndalama adzatsala sichinasinthe.

kubweza alipire Chiwerengero angapezeke pa aliyense wa bungwe ngongole. Ntchito kuwerengera pafupifupi kuchuluka kwa malipiro, ndipo yerekezerani njira ngongole awiri. Koma mawerengedwe a angathe kuchitidwa paokha.

Mwachitsanzo

Kasitomala akufuna kukonza kubweza kwa rubles 1 miliyoni. kwa nthawi ya zaka 20 (miyezi 240.) pa 12% pa annum. Choyamba, ife chimatanthauza kukula kwa malipiro mwezi ndi chidwi.

Malinga ndi chiwembu kusiyanitsidwa:

1000: 240 = 4, 166 zikwi rubles .. - thupi la ngongole ya.

Chidwi mawerengedwe anachita ndi kuchulukitsa muyezo wa mlingo wapachaka ndi kugawa mtengo ndi miyezi 12:

1000 0.12 × 12 = 10 chikwi. Pakani. - kuchuluka chidwi.

Choncho, kuchuluka kwa mfundo malipiro pamwezi kuti:

4166 + 10 000 = 14,166 zikwi. Pakani.

Malinga ndi annuity chiwembu:

1000 × (0.01 + (0.01: ^{(1 + 0.01) 240 -1)} ) = 11 011 zikwi Pakani.. - kuchuluka kwa annuity malipiro, kumene:

• 0.01 = 1:12;
• 240 - chiwerengero cha miyezi crediting.

Yerekezerani ife kuwerengera chidwi chigawo chimodzi pa malipiro oyamba:

1000 0.12 × 12 = 10 chikwi. Pakani.

E. 11 011 zikwi. Pakani. M'mwezi woyamba rubles 1011 chokha. Adzakhululukidwa allocated kwa alipire ngongole, ndipo enawo - chidwi.

Patatha zaka 10, makasitomala adzalipira banki: 11.011 × 120 = 1321 32 zikwi rubles ..

Mu nthawi yomweyo a chiwembu kusiyanitsidwa makasitomala adzalipira pamwezi:

4,166 + (1000 - (4.166 × 120)) wa 0,12 × 12 = 9.167 zikwi Pakani..

alipire oyambirira kubweza, amene ntchito chiwembu ndi malipiro kusiyanitsidwa, lipindulitsa okha zoyambirira za mgwirizano. Ndi kuchepa, gawo lalikulu cha chidwi akanamvera kwa zaka zambiri, kuchuluka kwa malipiro.

mokoma

Monga mchitidwe limasonyeza, ngati wobwereka amafuna kuti prepay kubweza, ayenera osati kusankha bwino pulogalamu bwino, komanso kupanga wambirimbiri mu mwezi.

phindu si ngati ndalama zimene wobwereka ntchito ngongole kwa panthawi zingadzetse akadzabweranso apamwamba mwa kusunga Mwachitsanzo, madipoziti kapena katundu wina. chopereka kungakhale koyenera kwambiri ngati akuti ngongole ndi zaka 25 kapena kuposa, popeza malipiro mwezi adzakhala ndichepe pang'onopang'ono.

Ndondomeko kupanga ndalama

Patapita wobwereka wasankha alipire oyambirira a kubweza ku Bank ndi ndalama, m'pofunika kusankha njira kupeza ndalama. Bwino kulipira tranches pamwezi pa mlingo kuposa zina kupanga maulendo awiri kapena atatu kuchuluka. Koma, choyamba, makasitomala kuti nthawi kupereka kumlingo. Kachiwiri, magombe okha akhala akupereka zopinga. Mwachitsanzo, kutenga chiwombolo woyamba pa tsiku la debiting, amafuna chisanadze ntchito ndi kusintha chithunzithunzi. Ngati wobwereka kusintha maganizo ake, ndi kulipira chindapusa. Choncho, yankho la funso limeneli zikudalira makasitomala akufuna mwezi kulemba yofunsira, kupita ku banki ndandanda latsopano nkhawa ndalama zosayembekezereka ndi zina zotero D..

Kubweza ngongole zanyumba likulu akuchikazi

Lamulo limapereka ntchito matkapitala kwa ogulidwa kapena kumanga malo. ndalama akhoza anakhala kulipira malipiro a yaikulu kapena chidwi. Pakuti wobwereka ndi ambiri akumane woyamba chiwembu. Choyamba, aliyense banki amatenga matkapital ngati pasadakhale, ndipo kachiwiri, chiwongola dzanja kuwonjezeka pa ntchito pulogalamu imeneyi. Izo zinkakhala kuti ngati kasitomala sangathe paokha kupanga malipiro, ndiye insolvent kapena osadalirika. Lero, mabanki ndi kupanga zokambirana, koma Komanso kutsimikiza mavuto awo.

Nthawi zambiri ndalama za boma malipiro kwambiri. Kusamutsa ndalama kuti nkhani ya chidwi n'zomveka, ngati wolipira sakupereka ngongoleyo patsogolo ndandanda. Pankhaniyi, ndi likuvutika matkapitala malipiro ntchito, kuchepetsa chigawo pamwezi.

banki muyenera kupereka zikalata izi kwa alipire wa kubweza ndi:

• pasipoti;
• satifiketi matkapitala;
• mawu a alipire ngongole.

wantchito wa banki adzakhala apereke kalata, lomwe lili ndi mfundo za kuchuluka otsala ngongole ndi chidwi, umboni umwini.

Penshioni thumba ayenera kupereka chiyanjo ake kuti abwezere kubweza likulu akuchikazi. Kuti tichite zimenezi, muyenera kusonkhanitsa ndi kugonjera mabuku amenewa:

• pasipoti munthu ofunika kulandira ndalama za boma;
• satifiketi;
• zikalata natsimikiza udindo ngongoleyo: kubweza mgwirizano ndi kalata ku banki;
• Kalata ya umwini wa nyumba, mgwirizano wa zogulitsa;
• umboni PF chilakolako wobwereka ndi kusamutsa ndalama kwa malipiro a ngongole ya;
• zikalata zina pa akumufuna.

PF kapitawo ayenera apereke chiphaso zolemba ndi taonera tsiku lake kulandiridwa. Pa mwezi adzakhala kusankha disbursement ndalama ku banki kapena zinyalala.

inshuwalansi

Choyambilira kubweza inshuwalansi ndondomeko ndi udindo wa katundu aliyense, ndi zina zonse. Pambuyo pa kutsekedwa ngongole patsogolo pa nthawi kasitomala ali ndi ufulu wotilamula chipukuta misozi ya mtengo wa ntchito. Mgwirizanowo inshuwalansi akhoza kutsazikana ndi nyumba patsogolo ndandanda (ngati si zosemphana ndi mawu a kukongoza), kulipira dipo lalikulu. Ndiye malipiro mwezi adzakhala kuchepetsedwa ndi kuchuluka kwa inshuwalansi.

refinancing

Kasitomala akhoza kuzigwiritsa ntchito bankiyo, kuti adzikonzenso kubweza ndi: kusintha mawerengedwe njira, pulogalamu akuti, mlingo komanso zinthu zina. Kusintha wokongoza sizikutanthauza kuchotsa encumbrances. The nyumba tidzakhalabe chikole, koma bungwe lina. Ngakhale kuipa zoonekeratu (mndandanda wa atsopano zikalata, kulenganso mgwirizano, zolipira zina), njira zimenezi zili zoyenera, ngati kasitomala akufuna kusintha alipire ngongole chiwembu dzi.