Tora Chikwereti Chikwereti Nezvikwereti kana Matura

DIY mazano, maPurogiramu, uye Zvishandiso

Nzira yakareruka yekuverenga chikwereti chekuita chikwereti ine calculator kana spreadsheet, asi iwe unogona kuzviita neruoko kana uchida. Pane peji ino, tichakuratidza nzira mbiri dzekuwana mhinduro dzaunoda:

1. Kuti uwane mhinduro dzinokurumidza, shandisa teknolojia. Iro online calculators uye mazano epadheseti pasi apa kuita basa rinokurumidza rekuverenga.
2. Kuti unzwisise zvakadzama, ita chikamu chikamu chemasvomhu iwe pachako. Iwe uchaita zvisarudzo zvakanyatsozivikanwa apo iwe unonzwisisa nhamba.

Mhando dzekufarira: Kuti uwane ruzivo rwakarurama, unoda kunzwisisa zvakananga kufarira kworudo, uye izvi zvinoenderana nemutero uri mubvunzo uye nemitemo yekwereti.

Somuenzaniso, makadhi emakwereti anowanzobhadhara chikwereti zuva nezuva-saka inobhadhara kubhadhara nokukurumidza. Vamwe vanokweretesa vanogona kuverenga kufarira pamwedzi kana gore negore. Iyi tsanangudzo inokosha nokuti unoda kushandisa nhamba dzakarurama dzekuverenga kwako. Vatengesi vanowanzodzokorora chikwata chekuda sehuwandu hwepakati yemari (APR) . Asi kana iwe uchibhadhara chikwereti mwedzi mumwe nomumwe, iwe uchada kutendeutsa iyo yepamutengo kumwedzi wegore negore nekuparadzanisa nemakumi maviri nemaviri ekuverenga kwako (somuenzaniso, chiyero chegore negore chinokwana 12% chinova 1% pamwedzi purogiramu).

Calculators neSpreadsheets

Kana iwe uchida kuita zviduku zvishoma sezvingaita, kune nzira mbiri dzekushandisa zvakanakire teknikoroni:

• Spreadsheets seMicrosoft Excel, Google Mapepa, nevamwe vanoita kuti zvive nyore kuvaka muenzaniso wemari yako. Ona chaizvo kuti ungaverenga sei nespredishiti (ine nyore-kutevera matanho uye mahwendefa asingabhadhari). Uine muenzaniso wekutanga, iwe unogona kuchinja mafungiro ekuona kuti zvikwereti zvakasiyana zvakasiyana sei, uye iwe unogona kutarisa huwandu hwehupenyu hwekuda mari.

• Chikwereti chekubhadhara chikwereti chekuita mari chinokuitira zvose. Icho chichaverenga kubhadhara kwako kwemwedzi, kuratidza kuti chikwereti chakawanda sei mubhadharo rimwe nerimwe, uye kuratidza kuti unobhadhara mari yakawanda sei mwedzi mumwe nomumwe. Nyora uye unyore zvakabuda muparashiketi kana iwe uchida kuita zvakawanda kuongorora.

Nzira Yokuverenga Nharaunda Yezvikwereti Iwe pachako

Haudi kushandisa sarashiti kana kuverenga?

Iwe unogona kuzviita zvose noruoko-kana kuti zvichida kuvaka spreadsheet noruoko. Iwe uchange wava pro pak kunzwisisa kutengesa mari.

Pakugara kumba, motokari, uye zvikwereti zvevadzidzi , nzira yakanakisisa yekuita izvi ndeyekuvaka tafura yekugadzira . Iyi tafura inorondedzera kubhadhara kwese, mwedzi wekudzvara uye mari yakakosha, uye yako yakasara yemari chikwereti chero nguva ipi (yakafanana nespredishiti kana kuti yakanaka calculator haina). Kuti upedze kuverenga, iwe uchada zvidimbu zvinyorwa zvemashoko:

• Chido chekufarira
• Nguva yakareba iyo chikwereti chinowedzera
• Chikwereti chekubhadhara chikwereti chauri kuripa chibereko kune (anozivikanwa semukuru )
• Kubhadhara kwemwedzi mumwechete (ona kuti ungaverenga sei mari pasi apa)

Nokuda kwekufungidzirwa nokukurumidza kwekutora mari, kufarira kuverenga kunogona kukuita "pedyo zvakakwana."

Muenzaniso unofadza : Kufungidzira iwe unokwereta $ 100 pa6 muzana kwegore rimwe. Iwe uchabhadhara zvakadini?

Iyo iri nyore kufarira chimiro ndechekuti:

• Chido = Chekutanga x chiyero x nguva
• Chido = $ 100 x .06 x 1
• Kufarira = $ 6

Zvikwereti zvakawanda hazvisi nyore. Iwe unotsiva kwemakore akawanda, uye kufarira kuripo gore roga roga, dzimwe nguva kunyange kuwedzeredza nekuita kuti urari hwako hukure .

Muenzaniso-wehupenyu muenzaniso: Ngatiti iwe unokwereta $ 100 000 pa6 kubva muzana APR kuti ubhadzwe pamwedzi pamakore makumi matatu.

Iwe uchabhadhara zvakadini?

Fungidzira kuti ichi chikwereti chakaiswa muzvikwereti, semukwereti wemusha.

Nhungamiro: Kubhadhara kwemwedzi kune 599.55.

Iwe uchabhadhara chikamu chakasiyana chekufarira mwedzi woga woga-chaizvoizvo, mari yacho inoderedza mwedzi woga woga. Izvo zvikwereti zvinotungamira mushandisirwo unonzi amortization , izvo zvinoderedza chikwereti chako chechikwereti munguva.

Tafura iri pasi peji ino inoratidza kuti mari yako yezvikwereti inogona kutarisa sei. Kwose kufarira pamusoro pemitatu yokutanga inokwana $ 1,498.50 ($ 500 + $ 499.50 + $ 499). Kuti uzvivakire tafura iwe pachako, shandisa matanho ari pasi apa:

1. Tora mari yekubhadhara kwemwedzi. Kuti uwane mazano, ona Maverengero Api Okubhadhara Mari .
2. Shandura mutengo wegore negore kusvika pamwedzi wega wega wega nekuparadzanisa 12 (6 muzana gore negore zvakaparadzaniswa nemwedzi 12 inoguma ne 0.5 muzana mwedzi wepamwedzi).
3. Ratidza chido chegore negore nekuwedzera chiyero chemwedzi pamwedzi nechikwereti chemari chikwereti kutanga kwemwedzi (0.5% kanomwe $ 100 000 inokwana $ 500 pamwedzi wokutanga).

1. Bvisa mari inofarira kubva pamubhadhara wemwedzi. Ramba uchimhanya mune imwe koromo kana iwe uchida kutarisa kufarira kwenguva.
2. Isa chikwereti chekubhadhara kwemwedzi kumutero mukuru. Iyi ndiyo nzira iwe unoderedza mararamiro ako emari.
3. Cherechedza mari yako yakasara yakakwereta.
4. Chengetedza chikwereti chakasara chemari kusvika pakutanga kwemutsara unotevera.
5. Dzokorora matanho maviri kusvika masere kusvikira chikwereti chikwaniswa.

Uchaona kuti chikamu chebhadharo chimwe nechimwe chinowedzera kune zvekutora mari, asi vamwe vose vanobhadhara chikwereti chemari. Mishonga mumakore ekutanga inonyanya kubhadhara chikwereti chako, uye izvi zvinonyanya kukosha kwenguva refu nezvikwereti. Nokufamba kwenguva, chikamu chikamu chinoderera, uye iwe unobhadhara chikwereti nokukurumidza.

Tora Chikwereti CheKwereta

Nekadhi kadhikiti, kuverenga kwakafanana, asi kunogona kuva kwakaoma. Kadhi yako yakabudisa angashandisa imwe yenzira dzakasiyana-siyana kuti uverenge zvikwereti zvekufarira uye mari shoma. Iyi nzira inotenga kutenga nekubhadhara kunowanikwa mumwedzi wose, pamwe chete nekadhi yekupa kadhi yekuita purofiti.

Kuti uwane muenzaniso wakajeka wekuti ungaverenga sei kufarira, kubhadharwa, uye kukwereta kwekwereti nekadhi rechikwereti, ona Kuverenga Kwekwereti Kadhi Payment & Costs .

Verengai Mutengo Wekuda Mutengo

Kana iwe uchida kuverenga chikwereti chechikwereti chechikwereti-asi chinopesana nemari yekutora -kuona Nzira yekuenzanisa Nharaunda dzeInharaunda.

Mari Inoshandiswa

Kufarira zvinobudirira kunomutsa mutengo wezvinhu zvaunotenga, kana iri musha mutsva, motokari, kana zvigadzirwa zvebhizimisi rako. Mune zvimwe zviitiko, iyo inofanirwa mari inoshandiswa mutero deductible-ndicho chikonzero chimwe chekusazvidza. Mune zvimwe zviitiko, kufarira ndeye mutengo waunobhadhara uchishandisa mari yeumwe munhu.

Kuti unzwisise mari yako, kuchenjera kuverenga mari yekufarira chero nguva yaunokwereta. Izvi zvinokubvumira kuti uenzanise mari yezvikwereti zvakasiyana, uye zvingakubatsira iwe kuongorora zvisarudzo zvikuru zvakadai semari yekushandisa mumba kana motokari. Iwe unogona kuenzanisa vatengesi, sarudza pakati pemakore mashoma kana mashomanana emari chikwereti , uye uone kuti chikwereti chakadii chaicho chinokanganisa zvizere zvekuda mari yako.

Muenzaniso weMamiti YeTereji

Period	Kutanga Kuyera	Payment	Periodic Interest	Principal	Kuramba Kuenzanisa
1	100,000	599.55	500	99.55	99,900.44
2	99,900.44	599.55	499.50	100.04	99,800.39
3	99,800.39	599.55	499.00	100.54	99699.84
...	...	...	...	...	...