Iwe unofarira zvakadini kubhadharwa kuripo kuchasarudza iwe paunoda kuti kubhadhara kwako kwekutanga kutanga. Vazhinji vakwereta vanosarudza kuita mari yekubhadhara chikwereti pamwedzi wekutanga wemwedzi.
Vamwe vanosarudza 15. Dzimwe nguva vatengesi vachasarudza zuva iroro rekubhadhara iwe, saka bvunza kana iwe unofarira.
Nharaunda inobhadharwa muArerears
MuUnited States, kufarira kunobhadharwa mushure mekupedzisira. Izvi zvinoreva chikwereti chako chikuru uye chekubhadhara chikwereti ichocho chichabhadhara chikwereti chemazuva makumi matatu-kutangira nguva yako yekubhadhara zuva rakakodzera. Kana uri kutengesa imba yako, somuenzaniso, vhidhiyo yako yekuvhara inorayira kudai kubatsiri , izvo zvichabvisawo kufarira kusina kubhadhara. Ngatinyatsoongorora.
Semuenzaniso, taura kuti kubhadhara kwako $ 599.55 kunokonzerwa naDecember 1. Chikwereti chako chikwereti chikwana $ 100,000, chiine rubatsiro pa 6% pagore, uye yakagadzirirwa makore anopfuura makumi matatu. Paunoita mubhadharo wako musi waDecember 1, iwe uri kubhadhara mutambo wegore rose raNovember, mazuva ose makumi matatu.
Kana iwe uri kupedza chikwereti chako musi waOctober 15, iwe uchabhadhara chikwereti kubva munaOctober 15 kusvika munaOctober 31 kusvika kune chikwereti. Zvinogona kuita sokuti iwe unotora mazuva makumi mashanu mushure mekubhadhara kwako kwekutanga kubvira musi waDecember 1, asi iwe hausi.
Iwe uchabhadhara mazuva makumi maviri nemasikati usati wavhara uye mamwe mazuva makumi matatu makumi matatu ekufarira kana iwe uchiita kubhadhara kwako kokutanga.
Kushandisa Zvaunonyanya Kuenzanisa Kusabhadharwa
Kana iwe uchida kuziva chikwereti chako chekubhadhara chikwereti chisina kubhadhara chakasara mushure mekunge iwe uchitenga chikwereti chako chekutanga , zviri nyore kuverenga. Kutanga, tora chikwereti chako chikuru chemari ye $ 100,000 uye wowedzera nguva yako ye 6% yegore inotora mutengo .
Zvose zvinodiwa zvegore negore ndeye $ 6,000. Gurai nhamba yevanhu vanofarira gore negore nemwedzi gumi nemaviri kuti musvike pamutengo wegore negore uripo. Nhamba iyoyo ine $ 500.00.
Kubvira pakubhadhara kwaDecember 1 kubhadharwa kwawakaita $ 599.55, kuti uone chikamu chikuru chekubhadhara, iwe unogona kubvisa chikwereti chemari yepamwedzi ($ 500) kubva pamutengo mukuru uye kubhadhara ($ 599.55). Mugumisiro wacho ndewe $ 99.55, iyo ndiyo chikamu chikuru chebhadharo yako.
Iye zvino, bvisa chikamu chikuru che $ 99.55 chikamu chakabhadharwa kubva kubhadhara risina kubhadhara ye $ 100,000. Nhamba iyoyo iri $ 99,900.45, iyo ndiyo yakasara isina chikwereti chekubhadharisa shanje kusvika musi waDecember 1. Kana iwe uri kubhadhara chikwereti, unofanira kuwedzera chido chezuva nezuva kune chikwereti chisina kubhadharwa kusvika zuva iro mutengi anogamuchira mubairo wekubhadhara.
Cherechedza: Nebhadharo rimwe nerimwe rinotevera, chikwereti chako chekubhadhara chisina kubhadhara chichaderera nechepamusoro-soro kuderedza kudhura kwepamusoro pamwedzi wapfuura. Izvi ndechokuti kunyange zvazvo kubhadhara kusingabhadharwi kuri kuenzaniswa uchishandisa nzira imwe chete mwedzi woga woga, chikamu chako chikuru chekubhadhara kwemwedzi unozowedzera apo chidimbu chikamu chichava chiduku.
Iwe unoziva iye zvino kuti yako yekusabhadhara chikwereti chekubhadhara mushure mekubhadhara kwaDecember kuchave $ 99,900.45. Kuti uone chikwereti chako chakasara mushure mekubhadhara kwako kweJanuary 1, iwe uchachienzanisa iyo uchishandisa bhora idzva risina kubhadharwa:
- $ 99,900.45 x 6% rubatsiro = $ 5,994.03 รท nemwedzi 12 = $ 499.50 chikwereti chinofanira kuitwa muna December. Mutengo wako weJanuary wakafanana nehomwe yako yaDecember 1 kubhadhara nokuti yakagadziriswa. Iko $ 599.55. Iwe uchabvisa chikamu chinofanira kuitwa muna December we $ 499.50 kubva kubhadhara yako. Iko kunodarika $ 100.05 kuti ibhadharwe kune mukuru wechikwereti chako.
- Chikamu chako chaDecember 1 ndeche $ 99,900.45, kubva kwaunozobvisa chikamu chikuru chekubhadhara kwako 1 Januwari 1 100.05. Izvi zvakaenzana ne $ 99,800.40 sechinhu chako chitsva chisina kubhadharwa.
Computing Daily Interest
Kuenzanisa chido chezuva nezuva chekubhadhara chikwereti, tora nguva yakatarwa nguva iyo inotora chikwereti uye ugoparadzanisa nemwedzi gumi nemaviri, iyo ichakupa mutero wegore negore. Zvadaro igovera chikamu chemwedzi wega kwemazuva makumi matatu, iyo ichaenzana nekufarira kwezuva nezuva.
Iti, somuenzaniso, kuti babamunini vako vanokupa $ 100,000 kuti Uve Iva Iva Iva Iva Iva Ivapo uye unosarudza kubhadhara chikwereti chako paJanuary 5th.
Iwe unoziva iwe uchakwereta $ 99,800.40 kubva munaJanuary 1. Asi iwe uchatorawo mazuva mashanu ekufarira. Imarii?
- $ 99,800.40 x 6% = $ 5,988.02. Gurai nemwedzi 12 = $ 499. Gurai nemazuva makumi matatu = $ 16.63 x 5 mazuva = $ 83.17 kukosha kwemazuva mashanu.
- Iwe unotumira iyo chikwereti $ 99,800.40 pamwe ne $ 83.17 chikwereti chekubhadhara kwakakwana kwe $ 99,883.57.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.