Izvi Zvinoratidzira Zvinoratidza Iwe Chero Chikwereti Chishanda Sei
Calculator dzakanaka pakuwana mhinduro nokukurumidza. Vanoitawo kuti zvive nyore kuita-kana zviyero, izvo zvinokubatsira kunyatsonzwisisa chikwereti chako uye kuti zvisarudzo zvako zvinoshandisa sei mari yako.
Somuenzaniso, unogona kuenzanisa zvinoitika kana ukweretesa zvishomanana, kana chii chinoitika kana iwe uchinge uchinge uchinge uchinge uchida.
Mitero yakasiyana, kuverengwa kwakasiyana
Usati watanga kuverenga kubhadhara, unoda kuziva rudzi rwechikwereti chauri kushandisa. Iwe unoshandisa kuverenga kwakasiyana (kana kuti calculator) yezvikwereti zvakasiyana. Semuenzaniso, nekutora chikwereti chete, iwe haubhadhara chikwereti chero chipi zvacho mumakore ekutanga-iwe chete "basa" chikwereti nokubhadhara chikwereti. Zvimwe zvikwereti ndezvikwereti zvemari, apo iwe unobhadhara pasi chikwereti chechikwereti pane nguva yakatarwa (yakadai semari yemakore mashanu yemari ).
Shandisa chikwata chekubhadhara chikwereti: Pamusoro pemisha yakawanda yemumba uye yemotokari iyi Google Sheets calculator ichabata mazamu iwe, saka haufaniri kuita maverengedwe ega.
Gadzira spreadsheet: Unogonawo kuvaka mahwendefa akafambira mberi mumapurogiramu akaita seGoogle Sheets uye Microsoft Excel kuti uite zviyero uye akuratidze kuti chikwereti chinoshanda gore negore sei.
Ona mamwe mashoko pamusoro pekushandisa shanduro yezvikwereti zvakakwana zvekubhadhara chikwereti (kusanganisira auto zvikwereti, zvikwereti zvemusha, uye zvikwereti zvemunhu ).
Kana izvozvo zvisingaiti, usanetseka-tichavhara mamwe maverengero ekubhadhara pano pano zvakare.
Murairo weAmortizing Money Loan Payment
Izvi zvinoshandiswa kune zvikwereti zvakawanda zvemari, izvo zvinowedzera zvikwereti zvakawanda-kunze kwekadhi yemakwereti uye chikwereti-kune chikwereti chete.
Mari Yokubhadharwa = Chikwata / Chikwata Chokuratidza
kana
P = A / D
Unoda zvinotevera:
- Nhamba yePeriodic Payments ( n ) = Mishongero gore rimwe gore nhamba yemakore
- Periodic Interest Rate ( i ) = Gore roga roga rakakamurwa nenhamba yekubhadhara nguva
- Chinhu Chinokosha ( D ) = {[(1 + i) ^ n] - 1} / [i (1 + i) ^ n]
Muenzaniso: Mari Yokubhadharwa Kwekubhadhara
Ita kuti iwe unokwereta $ 100,000 pa 6 muzana kwemakore makumi matatu, kuti ubhadzwe mwedzi mumwe nomumwe. Chii chinowanikwa pamwedzi?
- n = 360 (makore makumi matatu nemakumi maviri nemaviri 12 pamwedzi pamwedzi)
- i =. 005 (6 muzana gore negore rinotsanangurwa se00, rakaparadzaniswa nemwedzi gumi nemaviri kubhadhara pagore-dzidza kuti ungashandura sei zvikamu kusvika pakuwandisa mafaira )
- D = 166.7916 ({[(1 + .005) ^ 360] - 1} / [.005 (1 + .005) ^ 360])
- P = A / D = 100,000 / 166.7916 = 599.55
Kubhadhara kwemwedzi kune $ 599.55. Chengetedza mathemati ako ne-online pay pay calculator.
Chikwereti-Chete Chikwereti Chekubhadhara Kuverenga Fomu
Chikwereti chekubhadhara chikwereti kune chikwereti chekufarira-nyore chete. Wedzerai mari yaunokweretesa nehuwandu hwemari yegore negore. Zvadaro zviparadzanisa nenhamba yebhadharo gore negore. Pane dzimwe nzira dzokusvika pakubatanidzwa kumwe chete.
Muenzaniso (uchishandisa chikwereti chakafanana nepamusoro): $ 100,000 nguva .06 = $ 6,000 pagore rekufarira. 6,000 vakaparadzaniswa ne12 vanoenzana nemadhora mazana mashanu emwedzi.
Tarisa mathemati ako neA Interest Only Calculator pane Google Sheets.
Tichifunga kuti iwe haumboiti mamwe mahomwe okuderedza kuderedza bhadha huru, kubhadhara kwako kwemwedzi kucharamba kuchifanana. Zvisinei, iwe unofanira kubhadhara chikwereti ichocho rimwe zuva. Semuenzaniso, unogona kutanga kutora kubhadhara mari shure kwemakore gumi ekutanga, kana iwe unogona kuita kubhadhion kubhadhara pane imwe nguva kubvisa chikwereti.
Credit Card Payment Calculations
Makadhi emakadhi aivewo nyore nyore. Vatengesi vanowanzoshandisa nzira yekutsanangurira mari yako yepamwedzi . Semuenzaniso, kadhi yako yakabhadhara ingada kuti iwe ubhadhe zvikamu zvitatu zvezana rako rinenge riripo mwedzi wega wega, uine zviduku zve $ 25 (chero ipi zvayo). Zvechokwadi, kuchenjera kubhadhara kupfuura zvishoma , asi iyo ndiyo mari yaunofanira kubhadhara kuti ugare kunze kwezvinetso.
Muenzaniso: Fungidzira iwe unokwereta $ 7,000 pane kadhi rako rechikwereti. Mutero wako wekupedzisira unotariswa se 3 muzana yemari yako:
- Mutero = MinRequired x Kuyera
- Mutero = .03 x $ 7,000
- Mutero = $ 210
Tarisa mathemati ako neKodhadhi Pay Payment Calculator pane Google Sheets.
Asi chii chinoitika mumwedzi unotevera? Kadhi kadi yako yekubhadhara chikwereti inofarira mwedzi woga woga, uye iwe unogona kushandisa zvakawanda pakadhi rako mushure mekunge iwe uchibhadhara. Mune zviitiko zvizhinji, zvingasimirirwa zvakafanana zvinoshandiswa: A peresenti yako yese yekubhadhara chikwereti inokonzerwa.
Kuti uwane mamwe mashoko, ona tutori pakuverenga kadhi yako yebhadharo uye kuti kubhadhara kwega kwega kunobata sei muyero wako.
Kufarira uye Nhamba Yese Mari Yokubhadhara
Kubhadhara kwako kwemwedzi kunokosha zvechokwadi. Kana iwe usina mari yekubhadhara, iwe haugone kutenga. Asi kubhadhara hakufaniri kuve chikamu chakakosha chechibvumirano. Zvinowanzokosha zvikuru kutarisa pa:
- Mutengo wokutenga
- Mari yaunenge uchibhadhara inofarira pamusoro pehupenyu hwechikwereti chako
- Mari iwe unobhadhara kubhadhara mari
Izvo zvikamu zvitatu zvakabatanidzwa zvinoumba mari yezvose zvaunenge uchizvitenga. Asi zvakaoma kunyatsonzwisisa kunyatsobhadhara iwe paunenge uine zvipo zvakasiyana-siyana kubva kune zvakasiyana-siyana-ndiko ndiko kuti maverengero ari kumusoro anouya zvakakodzera. Semuenzaniso, kubhadharwa kwemari kunotsanangurwa pamusoro apa kunowedzera mararamiro ehupenyu huripo hwechikwereti chako, uye kunokuratidza kuti iwe unopedza mari yakawanda sei mwedzi mumwe nomumwe.
APR: Gore negore purogiramu yehuwandu (APR) chimwe chimwe chinhu chinobatsira pakuenzanisa mari yezvikwereti. Pamusoro pezvikwereti, APR inobhadhara mari yepamusoro ( yekuvhara mari ) kuwedzera kune chikwereti chawanikwa chaunobhadhara pane chikwereti chako. Somugumisiro, iwe unoswedera pedyo neapuro-to-apples kuenzanisa pakati pevateresi. Asi iyo yePAP yakaderera haisi nguva dzose yakakweretesa , uye kuverenga kumusoro kunogona kukuudza kuti nei. Sokutonga kwechigunwe, kumusoro-mberi kwekubhadhara mari inoshandiswa kusanyanya kukanganisa kwezvikwereti iwe unogara kwenguva yakareba.
Nzira Yokuwana Nayo Zvakanakisisa
Kubhadhara kwako kwemwedzi kunongova chikonzero chemari yemari, chikwereti chekuda, uye urefu hwekwereti yako . Vatengesi (kusanganisira vatengesi) vanogona kuchinja zvinhu zvakapoteredza kuti zviite sokunge uri kuwana chibvumirano chakanaka-kunyange kana iwe usiri.
Semuenzaniso, vamwe vatengesi vemotokari vanoda kuti iwe unongotarisa chete pamubhadharo wemwedzi wega wega: Ndezvipi zvingaita kuti ugone kunyatsogona mwedzi woga woga? Nezvo ruzivo, vanogona kukutengesa iwe chero chinhu chipi nechipi ndokuchigadzirisa mubhadharo yako yegore negore. Asi iwe hausi kureva kuwana chibvumirano chakanaka, uye mari yaunotora chikwereti yako ichawedzera zvakanyanya mari yose yaunopedzisa kubhadhara motokari yako.
Vanozviita sei? Imwe yenzira dzakaoma ndeyekutambanudza chikwereti kwemakore mashomananazve: Pane chikwereti chemakore mana kana mashanu, vanozogadzirira chikwereti chemakore manomwe nemwedzi wakaderera. Zvinosuruvarisa, kutambanudza chikwereti kunoreva kuti iwe uchabhadhara zvakawanda mukufarira pamusoro pehupenyu hwechikwereti-kunyatsobhadhara zvakawanda kune zvose zvawakatenga.
Iwe unenge wava kuda kuita zviri nani kana iwe uchitaurirana pamusoro pemutengo unotenga, panzvimbo yekugadzirisa pamubhadharo wemwedzi mumwe nomumwe. Iwe unogona kukwereta kupi zvako waunoda: kubva kune rimwe bhizinesi, credit union , kana muchengeti wepaIndaneti . Iwe haufaniri kuvimba pane mutengesi wemotokari kuti uwane mari. Iwe hausi kuzogara uine chikwereti chepasi pamwedzi nenzira iyi (saka haufaniri kunzwa seuri kuita zviri nani), asi iwe unogona kunge uchitora zvishoma pasi rose.
Kuti uwedzere kuderedza mari yako, bvisa chikwereti chako pakutanga . Chero bedzi pasina chekubhadhara chikwereti , iwe unogona kuchengetedza pane zvekuda nekubhadhara mamwe mwedzi mumwe nomumwe kana nokuita chikwereti chikuru chekubhadhara. Zvichienderana nezvikwereti chako, mari yako inowanikwa pamwedzi unoenda mberi inogona kuchinja kana kuti isingashanduki- cheka chikwereti chako usati wabhadhara.
Cherechedza: Chero nguva iyo iwe uchiverenga kubhadhara chikwereti chako uye mari, iwe unofanira kufungisisa zvigumisiro zvisinganzwisisiki. Mashoko ekupedzisira anogona kunge akasiyana zvichienderana nemafungiro ako akweretesa ako, asi iwe uchave uchiwana ruzivo rwekukosha.