Inkokhelo yemalimboleko noma i-mortgage yakhiwa kanjani ngempela
Ufaka izinombolo ezintathu: imali oyibolekayo, izinga lozuzo, kanye nesikhathi onaso sokuyikhokha. I-calculator yethu yemalimboleko ne-mortgage ikubuyisela inkokhelo eyodwa yenyanga, isamba sonke sozuzo ozosikhokha kuso sonke isikhathi semalimboleko, kanye noshedula ophelele wenyanga nenyanga. Leyo nombolo eyodwa yenkokhelo ibukeka ilula, kodwa kunesibalo esiningi ngemuva kwayo, futhi ukuqonda leso sibalo yikho okuguqula i-mortgage isuke ekutheni ibe imfihlakalo ibe yinto ongayihlela. Leli khasi liwulwazi kuphela hhayi iseluleko sezimali, kodwa uma ufika ekugcineni uzobe usazi kahle ukuthi imali yakho iya kuphi nyanga nenyanga nokuthi kungani.
Cishe zonke izikweletu zezindlu, imoto, kanye nezikweletu zomuntu siqu ozohlangana nazo ziyi-malimboleko ekhokhwa ngamathuba (amortizing loan) enenkokhelo emisiwe. Lokho kusho ukuthi ukhokha isamba esifanayo nyanga zonke, futhi ekupheleni kwesikhathi ibhalansi ifika ngqo ku-zero. Akukho ukumangala kwesamba esikhulu esisele, akukho okuseleyo. Ukuze lokho kusebenze, ababolekisi baxazulula inkokhelo enkulu ngokwanele ukumboza uzuzo nyanga zonke kanti futhi iqhubeke iqeda ibhalansi ngoshedula oqinile.
Ifomula yenkokhelo, ngamazwi alula
Ifomula ejwayelekile yenkokhelo ekhokhwa ngamathuba iyi-M = P × (r(1+r)n) / ((1+r)n − 1). Ibukeka isabekayo, ngakho nazi izincazelo zonyoke. U-P uyisisekelo, isamba osibolekayo ngempela. U-r uyizinga lozuzo lenyanga, elingizinga lakho lonyaka elihlukaniswe ngo-12 ngoba uzuzo lubalwa nyanga zonke, hhayi kanye ngonyaka. U-n yinani lonke lezinkokhelo, ngakho i-mortgage yeminyaka engu-30 iyizinkokhelo ezingu-30 × 12 = 360.
Ngamazwi ansuku zonke, ifomula ithola inkokhelo eyodwa emisiwe enkulu ngokwanele ukuqeda imalimboleko ngqo ezinkokhelweni ezingu-n kanti umbolekisi uqhubeka ekhokhisa uzuzo kunoma yiyiphi ibhalansi eseleyo. Nyusa izinga noma finyeza isikhathi kanti leyo nkokhelo idinga ukukhula. Nweba isikhathi kanti iyancipha. Awudingi ukusebenzisa ifomula ngesandla, yilokho i-calculator engenhla ekhona ngakho, kodwa ukwazi izinto ezintathu, isamba, izinga, nesikhathi, kukutshela ukuthi yiziphi izikhombisi ezishintsha ngempela umphumela.
Kungani izinkokhelo zakho zokuqala ziyi-interest ubukhulu bazo
Nansi ingxenye engabamba amuntu bonke bengalindele. Nakuba inkokhelo yakho ihlala ingashintshi, ukuhlukaniswa phakathi kozuzo nesisekelo kuyashintsha nyanga nenyanga. Uzuzo lukhokhiswa ebhalansini osesakweleta yona, ngakho uma ibhalansi inkulu, ingxenye yozuzo nayo inkulu. Enyangeni yokuqala ye-mortgage ejwayelekile yeminyaka engu-30, ubukhulu benkokhelo yakho luya ngqo kumbolekisi njengozuzo, futhi ingxenye encane nje incisha isisekelo.
Isu lisobala. Nyanga ngayinye umbolekisi uphindaphinda ibhalansi yakho yamanje ngezinga lenyanga ukuze athole uzuzo lwaleyo nyanga. Noma yini eseleyo kunkokhelo yakho emisiwe iya esisekelweni. Ngoba ibhalansi iphakeme kakhulu ekuqaleni, uzuzo ludla ubukhulu ekuqaleni. Njengoba ibhalansi incipha, ingxenye yozuzo nayo incipha, ngakho ubukhulu benkokhelo ngayinye efanayo buya esisekelweni. Izingxenye ezimbili ziyashintshana kancane, futhi ndawana thize ngale kwesigxathu esiphakathi kwemalimboleko inkokhelo yakho igcina isize kakhulu isisekelo kunozuzo. Lokhu kushintshana yikho ngokuqinisekile okuchazwa yi-amortization: ukukhokhwa kancane kwesikweletu ngezinkokhelo ezihleliwe, ngayinye ishintshiselwa ngokuthula ibheke esisekelweni njengoba isikhathi sihamba.
Izikhombisi ezinkulu ezintathu: izinga, isikhathi, kanye nesamba
Izinsimu ezintathu zilawula konke, futhi azizenzi ngendlela efanayo. Isamba semalimboleko siyisona esiqondile kunazo zonke: boleka okuningi kanti inkokhelo yakho nozuzo lwakho lonke ziyakhuphuka ndawonye. Izinga lozuzo siyisikhulu esithule. Ngisho ingxenyana yephesenti, uma iphindaphindwa ezinkokhelweni ezingamakhulukhulu, ingashintsha izindleko zonke ngamashumi ezinkulungwane zamadola ku-mortgage enkulu. Kubalulekile ukuthenga amazinga ngamandla.
Isikhathi yisikhombisi abantu abavame ukuyiphutha kakhulu ukuyibona. Ukwelula imalimboleko isuka eminyakeni engu-15 iya kwengu-30 incisha inkokhelo yakho yenyanga kakhulu, okuzwakala njengempumelelo futhi kusiza ekwazini ukukhokha. Kodwa isikhathi eside sisho ukuthi ibhalansi ihlala isikhathi eside, iqoqa uzuzo sonke lesi sikhathi, ngakho uzuzo lonke olukhokhayo lukhuphuka kakhulu. Isikhathi esifushane senza okuphambene: inkokhelo ephakeme kakhudlwana nyanga nganye, kodwa uzuzo oluncane kakhulu kuso sonke isikhathi semalimboleko. Akukho impendulo elungile jikelele lapha, ngukuhweba nje phakathi kwesikhala sokuphefumula nyanga nenyanga kanye nezindleko zempilo yonke, futhi i-calculator ikuvumela ukuba ubone amacala womabili ngaphambi kokuzibophezela.
Izinkokhelo ezengeziwe zikonga kanjani imali
Ngoba uzuzo luhlala lukhokhiswa ebhalansini eseleyo, noma yini oyikhokha ngaphezu kwesamba esihleliwe iya yonke esisekelweni futhi isuse ngokuphelele uzuzo olulandelayo ibhalansi leyo ebeyizolukhiqiza. Thumela u-$100 wengeziwe enye inyanga futhi awucobi u-$100 ebhalansini kuphela, uyasusa yonke ingxenye yozuzo lolo $100 ebeluzoluqoqa ngeminyaka ebeluzohlala khona kanjalo. Kwenze njalo futhi ungaqeda i-mortgage yeminyaka engu-30 iminyaka embalwa ngaphambi kwesikhathi futhi ukonge isamba esimangalisayo kuzuzo lonke. Kungenye yezinyathelo ezikhiqiza umvuzo ophezulu kunazo zonke, ezidinga umzamo omncane kunazo zonke, ezitholakalayo kubaningi ababolekayo, yingakho uhlelo olungezansi lifanele ukufundwa. Ukuze uqhathanise ukuthi umqondo ofanayo usebenza kanjani ngokuzuzisa uma uonga esikhundleni sokuboleka, zama i-calculator yozuzo oluhlanganisiwe, noma uhlole amacalculator wonke amanye amathuluzi ansuku zonke ezibalo.
Imibuzo evame ukubuzwa
Inkokhelo yemalimboleko yenyanga ibalwa kanjani?
Isebenzisa ifomula yenkokhelo ekhokhwa ngamathuba, ethola inkokhelo eyodwa emisiwe enkulu ngokwanele ukumboza uzuzo ebhalansini nyanga zonke futhi iqede imalimboleko ngokuphelele ngenyanga yokugcina. Izinsimu ezintathu yisamba esibolekiwe, izinga lozuzo lenyanga (izinga lonyaka elihlukaniswe ngo-12), kanye nenani lezinkokhelo (iminyaka uphindwe ngo-12).
Kungani ubukhulu benkokhelo yami yokuqala kuyi-interest?
Uzuzo lukhokhiswa ebhalansini osesakweleta yona, futhi leyo bhalansi iphakeme kakhulu ekuqaleni. Ngakho izinkokhelo zokuqala zimboza uzuzo olukhulu futhi zishiya okuncane esisekelweni. Njengoba ibhalansi iyehla, ingxenye yozuzo nayo iyehla, futhi ubukhulu benkokhelo ngayinye buya esisekelweni.
I-amortization isho ukuthini?
I-Amortization ukukhokha isikweletu ngezinkokhelo ezihleliwe njalo. Nkokhelo ngayinye, ingxenye imboza uzuzo bese eseleyo yincisha isisekelo, futhi ushedula ushintsha kancane ukubheka esisekelweni kuze kufike ibhalansi ku-zero.
Ingabe isikhathi esideeleyo sisho imalimboleko eshibhile?
Cha. Isikhathi eside sincisha inkokhelo yakho yenyanga, kodwa ibhalansi ihlala isele isikhathi eside futhi iqhubeka iqoqa uzuzo, ngakho ukhokha uzuzo olukhudlwana kuso sonke isikhathi semalimboleko. Isikhathi esifushane sibiza kakhulu nyanga nganye kodwa kancane kakhulu sonke isikhathi.
Izinkokhelo ezengeziwe zisiza kanjani?
Noma yisiphi isamba ngaphezu kwenkokhelo yakho ehleliwe siya sonke esisekelweni. Lokho kwehlisa ibhalansi masinyane futhi kususa lonke uzuzo olulandelayo ibhalansi leyo ebeyizolukhiqiza, okungafinyeza imalimboleko ngeminyaka futhi konge isamba esikhulu kuzuzo lonke.
Ingabe le calculator ihlanganisa intela nomshwalense?
Leli thuluzi libala inkokhelo eyisisekelo yesisekelo nozuzo kusuka esambeni, izingeni, nesikhathini. Amabhili wangempela e-mortgage avame ukwengeza intela yeprofathi, umshwalense wabanikazi bezindlu, futhi ngezinye izikhathi umshwalense we-mortgage, ngakho inkokhelo yakho yonke yendlu ingaba nkulu kunenani elikhonjiswe lapha.