Imwe yepfungwa isingazivikanwe, uye zvakadaro yakakosha mudzimba uye kumakambani ndiyo amortization chirongwa chechikwereti. Itafura yekuziva kuti chikwereti chinoshanduka sei.
Zvino, wakambozvinzwa here? Unonyatsoziva zvatiri kureva neiyi tekinoroji temu? Pazasi tinoedza kujekesa zvazvinoreva uye nei zvichikosha.
Chii chinonzi amortization chirongwa chechikwereti
Chekutanga chatinoda kuti uzive zvatiri kureva temu iyi. Zvinenge, sezvatakamboita kare, tafura iyo iwe unogona kuona mari yose inofanira kuitwa kuvhara nguva yechikwereti.
Mune mamwe mazwi, imhando ye "calendar" mavanoona mari yese yaunofanirwa kusangana nayo yekukanzura chikwereti chawakumbira.
Mukati mebhokisi iri panogona kunge paine zvikamu zviviri zvakasiyana, sezvo, izvo zvikamu zvakatobhadharwa, zvinogona kuoneka mugirini (izvo zvinonzi zvakabhadharwa) zvakasiyana nezvimwe zvinogona kunge zvichena, zvitsvuku, nezvimwe. zvichiratidza kuti vachiri kufanira kugutsikana.
Chimwe chinhu chaunofanira kuchengeta mupfungwa ndechekuti, mukati mehuwandu hunoverengerwa kubva mubhadharo, hapana chete chaunofanira kubhadhara kubva kuchikwereti, asiwo mubereko unotarisana nekukukweretesa mari.
Ndezvipi zvinhu zvinoumba tafura yekubhadhara chikwereti
Zvino iwe une kapfungwa kadiki kekuti tafura yekubhadhara chikwereti chii, nhanho inotevera yaunofanirwa kuita kuti uzive zvakawanda kuziva zvinhu zvinoumba tafura iyi. Kubva zvino zvichienda mberi tinokuudza kuti kune vashanu uye vanogoverwa kuburikidza nemakoroni.
Kunyanya, iwo anotevera:
- Nguva: Ndiyo yekutanga yaunowana muchikwereti cheamortization tafura. Inoratidza nguva yauchazodzosera mubhadharo. Nokudaro, zvinoshanduka, zvichienderana nekuti makataurirana kwenguva yakareba sei kuti mudzorere mari yechikwereti, pamwe chete nemubereko, mbiru ichave yakareba kana kushoma.
- Zvaunofarira: Inoonekwa patafura sechikamu chechipiri. Sezvaunoziva, kana chikwereti chikakumbirwa, zvinowanzoitika ndezvekuti ine mubereko unofanirwa kubhadharwa kunze kwemari yavakakukweretesa. Izvi zvinoverengerwa nekuwanza pakati pemhindu yakabvumiranwa (kureva iyo inotarwa mumigariro yaunosaina) uyewo mari yasara. Uyezve, inogona kunge yakagadziriswa uye yakasiyana. Asi chinonyanya hunhu hwekufarira uku ndechekuti ichasiyana quotas. Mubereko wakatemerwa pachikwereti chese chaunofanirwa kubhadharwa hauna kufanana kana uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchingerwa. Ngatiti iwe unobhadhara zvakanyanya pakutanga kupfuura pakupera.
- Capital amortization: Inowanikwa muchikamu chechitatu. Muchiitiko ichi, iyo amortization inoreva izvo zvinofanirwa kudzorerwa kubva kuchikwereti, asi zvinoitwa pasina kuverenga mubereko. Nemamwe mashoko, tiri kutaura pamusoro pehuwandu hwemari yechikwereti inodzoserwa zvishoma nezvishoma.
- Mari yekubhadhara: Kana iyo mhindu uye capital amortization makolamu yapinzwa, inotevera inotevera ndiyo inoita huwandu hwemakoramu maviri aya kuti azive chaizvo izvo munhu akakumbira chikwereti anoziva chekubhadhara.
- Capital yechikwereti ichimirira amortization: Pakupedzisira, chikamu chechishanu hachisi chimwe kunze kwekuratidza huwandu hwechikwereti chinoramba chichigadziriswa. Uye zvinoitwa sei? Iwe unofanirwa kubvisa mukuru wechikoro kubva panguva yapfuura pamwe neamortization yemwedzi wazvino.
Mhando dzeamortization muchikwereti cheamortization tafura
Chimwe chezvinonyanya kukosha pachirongwa chekubhadhara chikwereti ndechekubhadhara mari. Izvi zvinogona kuva zvakasiyana-siyana; zvinonyanya kuzivikanwa ndezvizvi:
- Constant capital amortization. Muchiitiko ichi inoratidzirwa nokuti mari yekubhadhara ichava shoma uye shoma. Chikonzero ndechekuti zvido kubva pane imwe nguva kuenda kune imwe zvinoshanduka. Pakutanga, sezvo mari inofanira kudzorerwa yakakwirira, mubereko wakakwirira, asi sezvatinodzorera mari yaizosara, iduku uye izvi zvinoreva kuti unofanira kubhadhara zvishoma. Inonzi French or progressive method. Uye ndiyo yakajairika mune dzinenge dzese matafura amortization tafura.
- Mari yenguva dzose. Imwe nzira yekubhadhara mari ndeyekugara uchibhadhara imwechete chikamu. Muchiitiko ichi, iyo amortization idiki pakutanga asi inova yakakura pakupedzisira. Ndiyo fomula inoshandiswa mufixed-rate mortgages.
- Ne amortization imwe chete. Sezvaungave uchifunga, ndezvekubhadhara chete mubereko pachikwereti uye, kana izvi zvapera, nekuenda kumwe chete, mari yese yawakweretwa inobhadharwa. Somuenzaniso, fungidzira kuti wakumbira maeuro 6000 300 uye mubereko wacho inosvika 300. Ungadzorera maeuro 6000 iwayo muzvidimbu asi, pakupedzisira, unofanira kudzosa maeuro XNUMX XNUMX kamwe chete.
Nei matafura ekubhadhara chikwereti dzimwe nguva asiri echokwadi
Zvinogoneka kuti pane imwe nguva bhangi rakupa chirongwa chekubhadhara chikwereti, wabvuma uye pakupedzisira mari yaunobhadhara hainei nechokuita nezvakaiswa patafura iyoyo. Wakambonyengwa here? Zvingangodaro kwete, nekuti mubereko unouya mukutamba pano.
When wakasaina chikwereti, Ko mubereko waizogadziriswa here kana kushanduka?
Kana iyo mubereko yakagadziriswa, saka iyo amortization chirongwa chechikwereti chavanokupa ndicho chaicho. Nekuti unoziva nguva dzese zvauchabhadhara uye zvinotevedzwa.
Ikozvino, kana mubereko wakasiyana, saka iyo amortization hurongwa hwechikwereti haigone kuve yechokwadi. Inova mubhadharo wekufungidzira simulation, asi sezvo kufarira kuchichinja nekufamba kwenguva, saka haigone kuverengerwa zvakanaka.
Ndezvipi zvimwe zvinhu zvinogona kushandiswa tafura yeamortization yechikwereti?
Kana iwe uine kambani, zvinowanzoitika kuti une midziyo yakagadziriswa. Mune mamwe mazwi, midziyo uye kodzero zvichave zviri mukambani yako kwechinguva uye izvo zvauri kubhadharira hupenyu hwavo hunobatsira.
Nokuda kweizvi, tafura yeamortization inoshandiswawo, chete iyo, munyaya iyi, zvinokwanisika kuti kune makoramu mashoma uye inotarisana nekuziva izvo zvinogona kuderedzwa mukota kana gore rechinhu ichocho.