Inqununu fixed-umyinge wenzala ajikelezayo scheme

Kunye inqununu inkqubo olujikelezayo-umlinganiselo esisigxina, kukho iskim intlawulo ukuba inqununu fixed-umyinge wenzala olujikelezayo inkqubo esetyenziswa uninzi zezimali nkonzo.
into multi-kumbexana ekusetyenzisweni ezibonakala merit, kodwa Ukuba musa ngokuqinileyo ukukhumbula enjalo, kufuneka bazi ukuba kwezinye iimeko kamva afumane nesimo enkulu. Kwakhona lixesha lula ukuqesha
, makhe zama ukuma ngokuqinileyo kwisicwangciso de uhlawule. ezinxulumene / inqununu fixed-Izinga

 

olujikelezayo sakho ezinxulumene
/
inqununu balance isilayidi cebo inzala ethe ngqo lokuhlawula

benzele inqununu kunye fixed-umyinge wenzala olujikelezayo

inqununu
kunye nenkqubo olujikelezayo fixed-umyinge wenzala, waboleka ukuba isixa semali, yona i ndlela nokuyibuyisa lixabiso elifunyenwe phinda ipesenti ethile.
ikakhulu lwezimali kubathengi, ngendlela kwiimeko ezininzi ukuze isetyenziswe ezifana nekhadi, uhlawule ekubaleni formula "amatyala × njalo izinga" sele indexed, owokuqala isixa intlawulo elikhulu, intlawulo kwakhona kuye ukuba yeyona inkulu iimpawu eziza ukunciphisa isixa lokubuya kunye nokunyuka.

 

Xa imizekelo ezithile

umzekelo izinga esiqingqiweyo umlinganiselo oyintloko ezinzileyo olujikelezayo kwi-5% ngemali kubathengi, emboleko 200,000 yen-12% inzala yonyaka, ubalo olungumgubo uba ngolu hlobo lulandelayo kuwe.
200,000 yen × 5% = 10, 000 yen
kule Bakhona zibandakanya iimali ezisebenza kwinqununu kunye nenzala, oko ezingundoqo ukukhuthaza ukufana ukuba uhlawule malini nyanga nganye. Ukuba uboleke ku

 

iimeko ngentla, indlela yokubala inzala ukuba ahlawule nyanga nganye iya kuba ngaphantsi.
200,000 yen × (12% ÷ iinyanga ezili-12)
= 200,000 yen × 1%
= 2000 yen
Ngoko ke, 8000 yen kuthatyathwe 2000 yen umdla ukusuka mali esiyintlawulo kukuthi, iya kusetyenziselwa kubalwa nje inqununu.

 

njengoko iingenelo inqununu kunye nomdla iingenelo indlela yokalo emileyo-rate olujikelezayo

Inqununu kunye nenkqubo olujikelezayo fixed-umyinge wenzala, oko kuya kuquka ngokoMthetho isixa mali ukuhlawula fixed ngenyanga.
ubomi kwakhona ukunciphisa ingozi, baya kuba nako ukwenza intlawulo xa uceba. ingeniso
kaThixo indlela ekhuselekileyo apho engekho izinzile kakhulu njengoko umsebenzi wesingxungxo.

 

Ukongeza, naxa sele wenze ukuboleka entsha, bayangenelwa ngenxa yokuba umthwalo ingabi nkulu kakhulu.
isixa semali, ukuba uzihlawule nyanga nganye, ukususela oko kumiselwa rate kunye intlawulo mali echazwe nganye, bekuya kuba nayo ngaphantsi bachaphazela intlawulo ukuba kukho othile ingeniso ngokuthe ngcembe.

 

Ukongeza, ngenxa yokuba kukho ezininzi iinkampani ngokusisiseko ukuba isetyenziswe iintlawulo ezicwangcisiweyo, zibandakanya lula ukuqonda kwakhona umjikelo intlawulo yenyanga. nyanga
1 nganye, yaye zonke iintsuku 35, ixhomekeke inkampani, kuba nazo nobunye, ukuba kwabe ecacisiwe ukusuka apha, akunyanzelekanga ukuba sikhathazeke, ezifana ukulibala ukuba ahlawule.

 

nezithintelo zeenqununu kwaye fixed-umyinge wenzala olujikelezayo

njengoko nezithintelo njengenqununu kunye nenkqubo olujikelezayo fixed-umyinge wenzala, kwaye ukwenza isicwangciso intlawulo ngokuqinileyo, kukho ingongoma leyo iba ukuboleka ixesha elide. Kuba isicelo izinga rhoqo
ziyindlela uboleka imali, oko akuyi kuba 0 ngaphandle kokuba uhlawule ngokuhlangeneyo ukusa kwinqanaba elithile.

 

Ukongeza, ngokungqinelana kunye nenani yentlawulo leminyaka ukunyuka, lingakwazi ziquka nezingeloncedo konyuso umdla kakhulu.
ngenxa kukho umthwalo ngaphantsi ngenyanga, kunokuba babuyele kuphela isixa ubuncinane mali inikezelwa, kubalulekile ukuba ahlawule ngakumbi xa kukho lunganako kule mali.
ezifana ezezimali umsebenzisi-amancinci kunye naphakathi
, iinkampani musa ukuba ezibhaliweyo iinkcukacha zesicwangciso lokuhlawula kwakhona ingaqhelekanga. Kwimeko
ukubuyela ayikhankanyi ukuba inani leentsuku inkampani, njengokuba babe- nobubele xa irenti, apho kuya kuza kuqhubeka yonke imihla obuyela umdla kuphela.
kwakhona ukuze athintele nokuyiqonda into enjalo, ezifana ukuba niyinikele ithayimthebhile eneenkcukacha ekhaya page ngaphakathi okanye isivumelwano, ithi le nkampani ukuba ukhethe uthembekile kubalulekile.

 

Isishwankathelo

inqununu kunye fixed-umyinge wenzala inkqubo olujikelezayo ijonge ukuba ziqinisekise imbuyiselo abo phezu ipesenti ethile ityala. Ngelo xesha kweentlawulo
, ziya kuhlawulwa inzala kunye nenqununu, kuya kuba luhlobo eya kubizwa kule mali iyonke nyanga zonke.

 

kwinkqubo inqununu kunye fixed-umyinge wenzala olujikelezayo, okanye isixa-mali ukuhlawula ngenyanga, kukho eziluncedo ezifana okanye umthwalo ezimbalwa xa ukuboleka entsha.
Kwelinye icala ukuba, zokuboleka kunye ityala elo uba ixesha elide, wenza ixesha iqashiso ukuhlawula kuphela izinga lenzala, ezifana kukho kwakhona engxakini.
abuyele ngokuqinileyo inqununu xa ungakwazi ukubuyela, oku mhlawumbi iincam ulawulo yokusebenzisa xa inqununu kunye nenkqubo olujikelezayo fixed-izinga lenzala.

 

inqununu kunye fixed-umyinge wenzala inkqubo olujikelezayo ijonge ukuba ziqinisekise imbuyiselo abo phezu ipesenti ethile ityala. Ngelo xesha kweentlawulo
, ziya kuhlawulwa inzala kunye nenqununu, kuya kuba luhlobo eya kubizwa kule mali iyonke nyanga zonke.

 

kwinkqubo inqununu kunye fixed-umyinge wenzala olujikelezayo, okanye isixa-mali ukuhlawula ngenyanga, kukho eziluncedo ezifana okanye umthwalo ezimbalwa xa ukuboleka entsha.
Kwelinye icala ukuba, zokuboleka kunye ityala elo uba ixesha elide, wenza ixesha iqashiso ukuhlawula kuphela izinga lenzala, ezifana kukho kwakhona engxakini.
abuyele ngokuqinileyo inqununu xa ungakwazi ukubuyela, oku mhlawumbi iincam ulawulo yokusebenzisa xa inqununu kunye nenkqubo olujikelezayo fixed-izinga lenzala.