Inqununu fixed-izinga system esijikelezayo

Ingaba inqununu fixed-rate esijikelezayo ngokufuthi sibonakala ezifana nekhadi, kodwa ukuba usebenzise okunene, kwakuya kuba abantu abaninzi abazi ukuba abuyisele ngayo.
Eli xesha, kunye eluncedo nengeloncedo inqununu inkqubo olujikelezayo-izinga esisigxina iya kuqaliswa.

 

ezinxulumene / inqununu kunye fixed-umyinge wenzala olujikelezayo sakho ezinxulumene
/
inqununu balance yesilayidi kunye cebo lokuhlawula inzala ethe ngqo sakho

 

yintoni na inqununu fixed-rate olujikelezayo

inqununu inkqubo olujikelezayo-izinga esisigxina kwaye, xa inxalenye kwangaphambili ixesha isivumelwano ekungenwe kuzo, nto leyo eya kwenza ukuba intlawulo yenyanga.
Ngokukhethekileyo, iphindwe izinga esisigxina kwinqununu, imali kunye nenzala liphindaphindwe real ngamnye ngonyaka-mboleko ukuba intsalela, iya kumiselwa ixabiso intlawulo yenyanga imali.

 

Ukuba imizekelo ezithile

umzekelo nokwehla imali eseleyo kwi-4% abathengi ngetyala umlinganiselo oyintloko esisigxina olujikelezayo, emboleko 100,000 yen-10% inzala yonyaka rate, ubalo ngolu hlobo lulandelayo kuya kubakho.
100,000 yen × 4% + (100,000 yen × (10 ÷ 12 iinyanga)) _ x000D_ = 4,000 yen + (100,000 yen × 0.83%) _ x000D_ = 4, Ukuze ukwenza eseleyo 830 yen

 

ityala lancipha uhlawule nganye, nto iphawulwa ngokuya phantsi iintlawulo zenyanga ngokwendalo nyanga zonke. _X000D_ ityala kwinyanga elandelayo,
((\ 100,000 yen -4830) × 4%) + (\ 100,000 yen -4830) × 0.83%) _ x000D_ = (95.170 yen × 4%) + (\ 95.170 × 0.83%) _ x000D_ = kuya kuba 3807 yen Tasu790 yen
= 4.597 yen
.
umahluko phakathi 233 yen kubi, emva kweenyanga ezintandathu ngokusebenzisa kokuhla-eseleyo kungase uphume kwi kufutshane 3000 yen 5000 yen.

 

iingenelo

inqununu fixed-rate olujikelezayo emagqabini kukuba inani intlawulo amaxesha kungabalelwa kwangaphambili.
for ngenyanga lula ukuqonda ukuba ibuyisela njani indlela inqununu, inani lokugqibela lokuhlawula amaxesha kwakhona lula yaye kulula ukuyiqonda.
kwakhona ukuba abantu ukuba basebenzise ukuba amaziko ezemali kwixesha lokuqala, bathi lungayilwa ukusetyenziswa. Isixa ukuba

 

intlawulo kwakhona, iba luncedo kakhulu kuba ngaphantsi kwe inqununu kunye fixed-wenzala ajikelezayo nkqubo. Ngenxa yokuba kukho kwakhona indlela ingqalelo kubuyekeza
Inqununu, uya kunokoyiswa inani amaxesha ngcono apha kakhulu kakade. Ukuba
tentatively ngokuboleka 100 million kwaye inani lamaxesha amaxesha 200 kufuphi, kukho amaxesha xa umahluko engama-15, wazalwa iintsuku kubalo.

 

into yokuba inani buyiselo lincinane, kukuba kufuna imali ngaphantsi umdla. Ukuba uboleke
yezigidi-50 kwaye umahluko phakathi kwenqununu inkqubo olujikelezayo fixed-Inzala iza kuba nkulu kakhulu kwaye malunga 150,000 yen.
Ngenxa umahluko encinane ngexesha intlawulo qho ngenyanga, ngaba abantu abambalwa abo awuboni umahluko.

 

abaphumeleli

njengoko ezingalunganga lwenqununu inkqubo olujikelezayo-umlinganiselo esisigxina, imali intlawulo yenyanga, kukho ingongoma apho kulindeleke ukuba ibe ngaphezulu kwe yinqununu kunye nenkqubo olujikelezayo fixed-izinga lenzala.
Oku kungenxa yokuba isixa semali liwubethileyo inqununu, ezinkulu kuno enye indlela intlawulo. Nokuba
lenzala kuyafana, usenokuba ukuba umahluko phakathi yen 10,000 kufutshane mthwalo isipaji wakho azalwe.

 

I ngoku, yinyaniso ukuba inkampani encinane zemali obandakanya inqununu inkqubo olujikelezayo-umlinganiselo esisigxina.
Ngoko ke, nokuba ufuna ukuba ukukhetha le ndlela, indawo yokuqala wena inkampani awusingathwanga.

 

ngakumbi, ukuba bathi akukho nokuba intlawulo banda, kuba musa uthenge ukuba olujikelezayo ngetyala, kukho kwakhona ingozi ixesha lokuhlawula uba elide ngaphezu mboleko eziqhelekileyo.
Noko ke, ukuba isixa esilinganiselweyo semali ukunyuka, kuba amandla kwenziwa njalo phakathi kwabo ixesha ekuqaleni.

 

kwinqununu

inkqubo olujikelezayo Isishwankathelo


inqununu fixed-izinga belibolekiwe, iphindwe kwizinga esisigxina kwangaphambili, koko intlawulo yesixa semali kunye nenzala. Njengoko izibonelelo
, oko ebusweni ukuze kukhankanywe ukuba inani leenyanga ukubuyisela nga kubalwa ukususela ekuqaleni.
Kwakhona kule mali lokuhlawula imali, ubuncinane xa kuthelekiswa nezinye iindlela, nina musani ukuba ukhathazeke bahlawule imali eninzi inzala.

 

Kwelinye icala, njengoko neengxaki, iintlawulo ezinkulu isicelo ngenyanga, uya kunikwa kukuba.
xa irente leyo nokuba ifumaneka kumakhulu amawaka, maxa wambi ezinkulu imali ekufuneka ihlawulwe kuloo ndawo, kufuneka ukhethe ukusuka ukuqonda.

 

Ukongeza, ngenxa yokuba kukho bambalwa iinkampani ukuba wenze inqununu fixed-rate olujikelezayo indlela, kuxhomekeke ixesha kufuneka imali kufuneka wenze inkampani ukukhetha ngenyameko.
kwinqununu inkqubo olujikelezayo-umlinganiselo esisigxina belibolekiwe inqununu, iphindwe kwizinga esisigxina kwangaphambili, oko koko intlawulo yesixa semali kunye nenzala. Njengoko izibonelelo
, oko ebusweni ukuze kukhankanywe ukuba inani leenyanga ukubuyisela nga kubalwa ukususela ekuqaleni.
Kwakhona kule mali lokuhlawula imali, ubuncinane xa kuthelekiswa nezinye iindlela, nina musani ukuba ukhathazeke bahlawule imali eninzi inzala.

 

Kwelinye icala, njengoko neengxaki, iintlawulo ezinkulu isicelo ngenyanga, uya kunikwa kukuba.
xa irente leyo nokuba ifumaneka kumakhulu amawaka, maxa wambi ezinkulu imali ekufuneka ihlawulwe kuloo ndawo, kufuneka ukhethe ukusuka ukuqonda.

 

Ukongeza, ngenxa yokuba kukho bambalwa iinkampani ukuba wenze inqununu fixed-rate olujikelezayo indlela, kuxhomekeke ixesha kufuneka imali kufuneka wenze inkampani ukukhetha ngenyameko.