Chii chinonzi Amortization Schedule Show?
Amatafura emitambo anobatsira kuti unzwisise kuti chikwereti chinoshanda sei, uye chinogona kukubatsira kuti ufanotaura nezvebhadharo yako yakajeka kana mari yekufarira pane nguva ipi zvayo munguva yemberi.
Aya mashoko anokubatsira kuti uone kana zvine musoro kukwereta, kana iwe uchifanira kubhadhara chikwereti kare, uye chikwereti chipi chinodhura kudarika nguva.
Chii chinonzi Amortization Table Show?
Tora pasi pasi kuti uve muenzaniso wekuti purogiramu yekuita basa inotarisa sei , kana kuvhara imwe nhamba muInternational amortization calculator uye kuwana tafura yakagadzirwa. Uchaona zvinhu zviri pasi apa.
Mutengo weMwedzi: iyo tafura inoratidza kubhadhara kwese kwaunoita, izvo zvinoreva kuti iwe unenge uchida kubhadhara pamwedzi unosanganiswa. Kunze kwebhadharo iyo, chikamu chichaenda kune zvinotora mari , uye zvakasara zvichashandiswa kubhadhara pasi chikwereti chako.
Kufarira mari: chikwereti chinowanzopomerwa pamutero wako mwedzi mumwe nomumwe. Mari yako yakasara yakaderedzwa inowedzera nemari yako yepamwedzi yemari yekuverenga kuverenga mutengo wekufarira. Kunyanya nevenguva refu yemari, iwe unogona kuona kuti chido chinodya zvakanyanya chikwereti mumakore ekutanga.
Kubhadharwa kwemashoko makuru: mushure mokunge mutora chikwereti chekufarira, zvakasara zvebhadharo yenyu inoenda kubhadhara chikwereti chako.
Iwe unofanirwa kuona chikwereti chako chechikwereti chichiderera pane imwe nguva sezvaunofamba uchiita purogiramu yekuita basa.
Kuwedzera kwechido: mamwe matongerwo ematafura anowedzerawo kushanda totals izvo zvinowedzera kufarira uye kubhadhara kwenguva. Semuenzaniso, chero purogiramu yemitambo inoratidzira kuti iwe unopedza mari yakawanda sei uchifarira nebhadharo rimwe nerimwe - asi zvakadini kana iwe uchida kuziva kuti mari yakawanda inobhadhara inopfuura yekutanga (kana yekupedzisira) makore matatu ekukweretesa?
Kana tafura yako inosanganisira chikamu chechimwe chinhu chine "kufarira kuwanda," zviri nyore kuziva. Kana zvisingaiti, unogona kukopa uye kuisa tafura mupasitetetsi uye wobva wwedzera mazamu ezvinyorwa izvi.
Zvokubhadhara zvakawanda? Yakawanda mahedheni ematafura haafaniri kubhadhara mari yakawedzerwa. Asi izvi hazvireve kuti iwe haugoni kubhadhara zvimwe - uye iwe unogona kuverenga kubatsirwa kwezvikwereti izvozvo. Kuti uite kudaro, iwe unogona kunge uchida kuvaka tafura yako yekugadzirisa , asi haisi zvakaoma sezvazvinonzwika.
Mari (kunze kwekufarira)? Nhepfenyuro dzemamiti kazhinji haingarati mari yakawedzerwa yaunogona kubhadhara pachikwereti chako. Semuenzaniso, kana iwe uchibhadhara mari yekutangira kana zvimwe zvekuvhara mari kuti uwane chikwereti, unoda kuongorora iyo mari iri oga. Imwe nzira yekuita iyo ndeyokuona APR yaimboita chikwereti (iyo dzimwe nguva inogona kutsausa ). Nokuda kwemari yemari inokweretwa kune chikwereti chako chekukweretesa, zvinoita kuti iwe ugadzire tafura yako uye inosanganisira iyo mhosva - ona kuti Unganzwisisa sei Kadhi yeKodhaini yeMari uye Mariro .
Chisarudzo Kuita
Nezivo pamusoro apa, zviri nyore kuongorora zvakasiyana-siyana zvekubhadhara mari (ingave inobva kune vakweretesi vakasiyana, uri kusarudza pakati pemakore gumi nemashanu kana makumi matatu emakwereti, kana iwe uri kusarudza kana kusagadzirisa chikwereti chiripo ), uye sarudza kana kana kwete kukwereta kunonzwisisika zvachose.
Vazhinji vanokwereta havatombotarisa kuti vari kubhadharwa zvakadini - vanongotarisa chete pamutengo wekubhadhara mwedzi mumwe nomumwe - usingatori mifananidzo yakawanda pakufunga.
Mhando dzeMari
Imwe tafura yekuita mari inoshanda zvakanakisisa kune zvikwereti zvinotevera:
- Izvo zviputi-sum (kana zvose-at-once) zvikwereti
- Vakagadzirisa chido chekuda
- Vanobhadhara pasi pane nguva (nzira yekubhadhara pasi chikwereti inonzi "kubhadhara")
- Kubhadhara kwemwedzi kwega kwega kunogadziriswa (iwe unoita kubhadhara kumwechete mwedzi wose)
Izvi zvinosanganisira zvikwereti zvisingabhadharwi zvekubhadhara mari , zvikwereti zvakawanda zvemari, zvikwereti zvemari , imba yemari chikwereti , uye zvikwereti zvakafanana
Dzimwe mhando dzezvikwereti - kunyanya kushandiswa kwemari yemari uye mitsara yechikwereti - zvakaoma zvikuru kushanda nayo. Somuenzaniso, makadhi emakwereti anonyanya kunyengera: iwe unokwereta nguva dzose (nguva dzose paunenge watenga), uye iwe unogadzira zvisizvo (iwe unogona kubhadhara zvishoma, chikero chose, kana chero chiri pakati).
Chigadziriswa chiyero chezvikwereti zvinowanzove zvakaoma. Nhamba inofarira inogona kuchinja pane imwe nzvimbo isingazivikanwi mune ramangwana, saka zvakaoma kuita chiyero chekuita mari (kunze kwekuti iwe unogona kufanotaura remangwana).
Muenzaniso weMamiti YeTereji
Ita kuti iwe unokwereta $ 100,000 pa 6% kwemakore makumi matatu ekubhadhara pamwedzi. Ko purogiramu yako yekuita mari ichaita sei? Pasi apa uchaona mitsetse yekutanga yekutanga (kureva gore rako rokutanga rebhadharo) uye inobva yasvika kusvika pakupera kwechikwereti.
| Mwedzi | Kutanga Balance | Mutengo Wakatarwa | Principal | Kufarira | Kugumisa Balance | Total Inofarira |
| 1 | 100,000.00 | 599.55 | 99.55 | 500.00 | 99,900.45 | 500.00 |
| 2 | 99,900.45 | 599.55 | 100.05 | 499.50 | 99,800.40 | 999.50 |
| 3 | 99,800.40 | 599.55 | 100.55 | 499.00 | 99 699.85 | 1,498.50 |
| 4 | 99 699.85 | 599.55 | 101.05 | 498.50 | 99,598.80 | 1,997.00 |
| 5 | 99,598.80 | 599.55 | 101.56 | 497.99 | 99 497.24 | 2,495.00 |
| 6 | 99 497.24 | 599.55 | 102.06 | 497.49 | 99395.18 | 2,992.48 |
| 7 | 99395.18 | 599.55 | 102.57 | 496.98 | 99,292.61 | 3,489.46 |
| 8 | 99,292.61 | 599.55 | 103.09 | 496.46 | 99 189.52 | 3,985.92 |
| 9 | 99 189.52 | 599.55 | 103.60 | 495.95 | 99 089.92 | 4,481.87 |
| 10 | 99 089.92 | 599.55 | 104.12 | 495.43 | 98,981.79 | 4,977.30 |
| 11 | 98,981.79 | 599.55 | 104.64 | 494.91 | 98877.15 | 5,472.21 |
| 12 | 98877.15 | 599.55 | 105.16 | 494.39 | 98,771.99 | 5,966.59 |
| ... | ... | ... | ... | ... | ... | ... |
| 354 | 4,114.16 | 599.55 | 578.98 | 20.57 | 3,535.18 | 115,776.07 |
| 355 | 3,535.18 | 599.55 | 581.87 | 17.68 | 2,953.31 | 115 793.74 |
| 356 | 2,953.31 | 599.55 | 584.78 | 14.77 | 2,368.52 | 115,808.51 |
| 357 | 2,368.52 | 599.55 | 587.71 | 11.84 | 1,780.81 | 115820.35 |
| 358 | 1,780.81 | 599.55 | 590.65 | 8.90 | 1,190.17 | 115829.26 |
| 359 | 1,190.17 | 599.55 | 593.60 | 5.95 | 596.57 | 115,835.21 |
| 360 | 596.57 | 599.55 | 593.58 | 2.98 | - | 115838.19 |