Kubhadhara pasi zvakaenzana kupfuura nguva
Nezvikwereti, kusanganisira zvikwereti zvemusha nemari yezvikwereti, apo mutero wega wega wega wega wega wega wega wekubhadhara unoramba uri wakafanana, kubhadhara kunoumbwa nezvikamu zvinoshandura munguva Chikamu chebhadharo chimwe nechimwe chinoenda kune:
- Mari inofarira (iyo iyo chikwereti chako chinowirwa chikwereti ).
- Kuderedza chikwereti chako chekukwereta (inozivikanwawo sokubhadhara mukuru wechikwereti).
Pakutanga kwechikwereti, mari yezvikwereti ndeyepamusoro. Kunyanya nemari yenguva refu yemari, chikamu chikuru chebhadharo yeperiodic iyo inodhura mari, uye iwe unongobhadhara chikamu chiduku cheyero. Mune mamwe mazwi, haufaniri kufambira mberi zvakanyanya pakubhadhara kukuru kwechikwereti mumakore ekutanga.
Sezvo nguva ichienderera mberi, huwandu hwekubhadhara umwe neumwe hunoenda kune wako mukuru uye iwe unobhadhara zvishoma nezvishoma mubereko mwedzi mumwe nomumwe.
Mari yechikwereti yakagadzirirwa yakagadzirirwa kubhadhara zvachose chikwereti chechikwereti pane imwe nguva yakatarwa . Mari yako yekupedzisira yekubhadhara ichabhadhara mari yekupedzisira yakasara pane chikwereti chako.
Semuenzaniso, mushure memakore makumi matatu (kana kana 360 mwedzi dzemari) iwe uchabhadhara makore makumi matatu ekubhadhara.
Mari yako yekubhadhara mwedzi mumwe nomumwe haifaniri kuchinja; iyo mathemisi inongoshanda chete kuenzanirana kwekwereti uye kubhadhara kukuru pamwedzi wega wega kusvikira chikwereti chose chabviswa.
Kutora muAmerica muChiito
Dzimwe nguva zvinobatsira kuona nhamba panzvimbo pokuverenga pamusoro pekuita.
Bhura kusvika pasi peji rino kuti uone muenzaniso wemotokari yemotokari yakagadziriswa. Tafura iri pasi apa inozivikanwa sechinhu chekuita mari (kana kuti purogiramu yemadhora), uye matafura aya anobatsira kuti unzwisise kuti mari yekubhadhara imwe neimwe inobata sei chikwereti, kuti iwe unobhadhara mari yakawanda sei, uye sei iwe unokwereta chikwereti chero nguva ipi zvayo.
Muenzaniso weMamiti YeTereji
Itafura iri pasi apa inoratidza purogiramu yokugadzirisa kwekutanga uye kuguma kwechikwereti chemotokari. Iyi iri $ 20,000 yemakore mashanu ekubhadhara chikwereti ichibhadhara chikamu che5% (nebhadharo pamwedzi).
Kuona purogiramu yakazara kana kugadzira tafura yako, shandisa mari yechikwereti chikwata.
| Mwedzi | Kuenzanisa (Kutanga) | Payment | Principal | Kufarira | Kuenzanisa (Kuguma) |
|---|---|---|---|---|---|
| 1 | $ 20,000.00 | $ 377.42 | $ 294.09 | $ 83.33 | $ 19,705.91 |
| 2 | $ 19,705.91 | $ 377.42 | $ 295.32 | $ 82.11 | $ 19,410.59 |
| 3 | $ 19,410.59 | $ 377.42 | $ 296.55 | $ 80.88 | $ 19,114.04 |
| 4 | $ 19,114.04 | $ 377.42 | $ 297.78 | $ 79.64 | $ 18,816.26 |
| . . . . | . . . . | . . . . | . . . . | . . . . | . . . . |
| 57 | $ 1,494.10 | $ 377.42 | $ 371.20 | $ 6.23 | $ 1,122.90 |
| 58 | $ 1,122.90 | $ 377.42 | $ 372.75 | $ 4.68 | $ 750.16 |
| 59 | $ 750.16 | $ 377.42 | $ 374.30 | $ 3.13 | $ 375.86 |
| 60 | $ 375.86 | $ 377.42 | $ 374.29 | $ 1.57 | $ 0 |
Kutarisa kumitambo kunobatsira chaizvo kana iwe uchida kunzwisisa kuti kukwereta kunoshanda sei.
Mari yezvokwadi yekukwereta: Nemifananidzo yakazara yemari yako chikwereti, iwe unogona kuona zvakajeka kuti iwe unobhadhara zvakadini mune zvekufarira, panzvimbo yekutarisa pamubhadharo wemwedzi.
Vatengi vanowanzoita zvisarudzo zvichienderana ne "kukwanisika" kwebhadharo yemwedzi, asi mari yekufarira ndiyo nzira iri nani yekuyera mari chaiyo yezvaunotenga. Dzimwe nguva kubhadhara kwepasi pamwedzi kunoreva kuti iwe uchabhadhara zvakawanda mukufarira, kana iwe wakatambanudza nguva yekubhadhara, somuenzaniso.
Kugadzira chisarudzo: Unogonawo kusarudza chikwereti chipi zvacho chaunosarudza apo vanokwereta vanopa mitemo yakasiyana (iwe ungachengeta mari yakawanda sei?). Iwe unogona kuverenga kuti ungachengetedza zvakadini nekubhadhara chikwereti kare -iwe uchatora kudarika zvese zvakasara zvinotora chikwereti pane zvikwereti zvakawanda.
Kuti uone kufungidzirwa kwemari, firidza chati ine chikwereti chako chechikwereti seyakatenderera X-axis uye nguva seyakatenderera Y-axis, ine rwonzi ichidzika uye kurudyi. Nezvikwereti zviduku-shoma, mutsetse wacho unowedzera kana kuti usina kukwana. Nezvikwereti zvemazuva mazhinji, mutsetse unowedzera zvakanyanya sekufamba kwenguva.
Nzira Yokuita Mari Inoshandiswa Mari: Kuverenga
Pane nzira dzakawanda dzekutora matanho ematafura (akafanana nepamusoro) nezvezvikwereti zvako:
- Gadzira tafura yako noruoko.
- Shandisa muchina wekudzivirira, unozoita tafura iwe.
- Shandisa ma-spreadsheets kuti uite purogiramu yekugadzirisa matanho uye ikubatsire kuti uongorore zvikwereti.
Nhamba dzekushandura uye mahwendefa anowanzoshanda kushanda pamwe chete, uye iwe unogona kazhinji kukopa uye kuisa zvakabuda zvekutsvaga muInternet muparapariti kana ukasada kuvaka mhando yose kubva pakutanga.
Kubhadhara kwemwedzi mumwechete : Nechikwereti chemari, achifunga kuti kubhadhara kunongova math . Kubhadhara kunobva pauwandu hwechikwereti, chikwereti chechido , uye makore akawanda chikwereti chinotora. Izvo zvinhu zvitatu zvinoshanda pamwe chete kuti zvive nehuwandu hwekubhadhara kwaunoita mwedzi mumwe nomumwe uye kuti unofarira zvakadini iwe uchabhadhara.
Kupedza chikamu chekufarira kunogona kuderedza kubhadhara kwako, uye kunokubatsira kuchengetedza mari. Kutambanudza chikwereti kwenguva yakareba kuchaderedzawo kubhadhara kwako, asi iwe unopedzisa kubhadhara zvakawanda mukufarira pamusoro pehupenyu hwechikwereti.
Kuti uite chikwereti chikwereti, shandisa tafura iri pamusoro apa somuenzaniso, uye upedze matanho anotevera:
- Cherechedza kutanga kwako kukwereta mari: $ 20,000
- Ratidza kubhadhara (kuverenga kunoratidzwa peji ino ): $ 377.42
- Ratidza mubhadharo wekuda kune imwe nguva, kazhinji pamwedzi ( kuverengwa kunoratidzwa ): $ 83.33 mumwedzi wokutanga
- Bvisa chikwereti chekufarira kubva kubhadhara yako; iyo yakasara ndiyo chikwereti chekutanga iwe uchabhadhara mwedzi iwoyo: $ 294.09 mumwedzi wokutanga
- Deredza kuderedza chikwereti chikwereti nemari yehurukuro yawakabhadhara. Iwe unokwereta $ 19,705.91 mushure mekubhadhara kwako kwekutanga
- Tangai nemwedzi unotevera: $ 19,705.91 ndiyo chikwereti chemari chikamu mumwedzi wechipiri
Mhando dzeAmoritizing Mari
Kune marudzi akawanda ehokodhi iripo, uye havasi vose vanoita nenzira imwechete. Chero zvipo zvekubhadhara chikwereti zvakabhadharwa uye unobhadhara chikwereti kusvika kune zero kupfuura nguva nekubhadharwa kwezinga.
- Mari yechikwereti inowanzova nemakore mashanu (kana kuti akafupi) chikwereti chakakweretwa chaunokweretesa pasi nechikwereti chakaitwa pamwedzi. Ichokwadi, vamwe vanhu, kusanganisira vatengi nevatengesi vemotokari, funga nezvokutenga motokari maererano nemari yekubhadhara kwemwedzi oga. Nguva yakareba zvikwereti zvinowanikwa, asi iwe unogona kukonzerwa nekukwereti-pasi pane chikwereti chako , zvinoreva kuti chikwereti chako chinopfuura kudarika kwema motokari yako kana iwe wakatambanudza zvinhu kunze kwenguva yakareba kuti uwane mubhadharo wakaderera. Kunyanya, iwe uchapedza zvakawanda pane chido.
- Mari yechikwereti inowanzogadzirwa nemakore gumi nemashanu kana makumi matatu emakore. Vanhu vakawanda havasi kuchengetedza chikwereti kwenguva yakareba-vanotengesa imba kana kugadzirisa chikwereti pane imwe nguva - asi zvikwereti zvinoshanda sokunge iwe uchizozvichengetedza kwenguva yose.
- Zvikwereti zvako zvaunowana kubva kubhangi, credit union, kana muchengeti wepaIndaneti zvinowanzogadziriswa zvikwereti zvakare. Vanowanzova nemashoko matatu emakore, mararamiro akachengetwa, uye masangano anodzivirirwa pamwedzi. Izvi zvikwereti zvinowanzoshandiswa kumapurani maduku kana kusungirwa chikwereti .
Mari Inenge Isingawanikwi
- Marikiti yemakadhi haisi mari yechikwereti. Iwe unogona kukwereta kakawanda pamakadhi akafanana, uye iwe unosarudza kusarudza kuti uchabhadhara sei mwedzi mumwechete (chero bedzi uchiwana mubhadharo wakaderera - asi zvakawanda zviri nani ). Izvo zvikwereti zvezvikwereti zvinozivikanwawo sechikwata chikwereti .
- Chikwereti chete chikwereti hachibvumiri, zvimwe kwete pakutanga . Panguva ye "chido bedzi nguva" iwe uchabhadhara pasi mukuru mukuru kana iwe ukasarudza zvikwereti zvinowanikwa pamusoro apa uye kunze kwemari yekuda.
- Balloon zvikwereti zvinoda iwe kuti uite chikwereti chikuru chekupedzisira pamagumo eupenyu hwechikwereti . Munguva yemakore ekutanga yemutero, iwe uchaita mari shoma, asi chikwereti chose chinouya nokuda kwekupedzisira. Muzviitiko zvakawanda, iwe unogona kunge uchigadziridza kubhadhara kubhoti, kunze kwekuti iwe uine mari yakawanda iripo.