Uthishanhloko fixed-rate uhlelo ophendukayo

Ingabe uthishanhloko fixed-rate ezikhanyisayo ngokuvamile kubonakala ezifana loans ikhadi, kodwa uma empeleni esetshenziswa, laliyoba abantu abaningi abazi kanjani ukuba abuyisele.
Kulokhu, kanye ngebuhle nebubi kukathishanhloko fixed-rate uhlelo ezikhanyisayo ziyokhokhwa.

 

ezihlobene / uthishanhloko kanye nesithakazelo fixed-rate ezikhanyisayo ezihlobene
/ uthishanhloko ibhalansi slide kanye isithakazelo yomugqa oqondile buyiselo isikimu

 

lokho ziyindlela eyinhloko fixed-rate ezikhanyisayo

oyinhloko fixed-rate uhlelo ezikhanyisayo futhi, ngesikhathi ingxenye predetermined ukuba isikhathi inkontileka singenelwe, into bazocula senkokhelo nyangazonke.
Ngokucacile, iphindwe izinga fixed kuthishanhloko, inani lemali kanye nenzalo siphindwe yangempela ngonyaka emalini ebolekwe okungukuthi ibhalansi, azosethwa njengoba nyangazonke ukubuyiswa kwemali imali.

 

Uma izibonelo eziqondile

Ngokwesibonelo yebhalansi 4% umthengi ukutusa oyinhloko izinga fixed ezikhanyisayo, waboleka 100,000 yen 10% interest yonyaka isilinganiso, kubalwa kanje kuzoba.
100,000 yen × 4% + (100,000 yen × (10 ÷ 12 izinyanga)) _ x000D_ = 4,000 yen + (100,000 yen × 0.83%) _ x000D_ = 4, Ukuze senze kokusele 830 yen

 

izikweletu kwehle ngoba befuna imbuyiselo ngamunye, it libhekene abehlela phansi izimali ngokwemvelo nyangazonke njalo ngenyanga. _X000D_ kunjalo lwenyanga elandelayo,
((\ 100,000 yen -4830) × 4%) + (\ 100,000 yen -4830) × 0.83%) _ x000D_ = (95.170 yen × 4%) + (\ 95.170 × 0.83%) _ x000D_ = kuyoba 3807 yen Tasu790 yen
= 4.597 yen
.
Umehluko phakathi 233 yen ongabalulekile, ngemuva kwezinyanga eziyisithupha ngokusebenzisa ekunqabeni-ibhalansi ungase uphume esikhathini esiseduze 3000 yen 5000 yen.

 

izinzuzo

oyinhloko fixed-rate ezikhanyisayo sokunconywa wukuthi isibalo buyiselo izikhathi ingabalwa kusengaphambili.
senyanga kulula ukukuqonda sibuyisela kanjani kangakanani uthishanhloko, isibalo yokugcina buyiselo izikhathi futhi elula futhi okulula ukuyiqonda.
futhi ngabantu ukusebenzisa okokuqala izikhungo zezimali, bangathi kungenziwa kuhlelwe ukusetshenziswa. Inani ukuba

 

ukubuyiswa kwemali futhi, kuyinzuzo enkulu ngoba esingaphansi uthishanhloko kanye nesithakazelo fixed-rate ezikhanyisayo uhlelo. Ngoba kukhona indlela ukugxila abuyisele
oyinhloko, ngeke inombolo yezikhathi kungenziwa ukuyiveza kangcono lapha lungaphezu yebo. Uma
tentatively zokweboleka 100 million kanti inombolo yezikhathi izikhathi 200 eseduze, zikhona izikhathi lapho umehluko iminyaka engaba ngu-15, owazalwa ngo izinsuku ukubala.

 

yokuthi isibalo buyiselo incane, ukuthi kudinga imali engaphansi kwezinhloso zenzuzo. Uma waboleka
kwezigidi ezingu-50 kanye nomehluko phakathi uthishanhloko kanye nesithakazelo fixed-rate uhlelo ezikhanyisayo kuyoba enkulu kakhulu futhi mayelana 150,000 yen.
Ngenxa umehluko elincane khathi buyiselo nyangazonke, ngeke ambalwa abantu abangafuni ukuqaphela umehluko.

 

kusimo

njengoba nemibi oyinhloko fixed-rate uhlelo ezikhanyisayo, senyanga ukubuyiswa kwemali isamba, kukhona iphuzu okumele futhi iyophakama kuno-uthishanhloko kanye nesithakazelo fixed-rate uhlelo ezikhanyisayo.
Lokhu kungenxa yokuthi inani lemali ukuthi hit uthishanhloko, kunenani enye indlela ukubuyiswa kwemali. Ngisho noma
senzalo kuyafana, ungase kudingeke umehluko phakathi yen 10,000 eduze umthwalo wallet yakho ozalwa.

 

lamanje, kuyiqiniso futhi ukuthi inkampani encane zezimali ehlanganise uthishanhloko fixed-rate uhlelo ezikhanyisayo.
Ngakho-ke, ngisho noma ufuna uma ukukhetha le ndlela, kwasekuqaleni ungase inkampani akusingathwa.

 

okwengeziwe, ukusho ukuthi kungakhathaliseki ukuthi ukubuyiswa kwemali luyanda, ngoba ungathengi kukobana ezikhanyisayo credit, kukhona ingozi ukubuyiswa kwemali isikhathi kuba isikhathi eside kunaleso loan evamile.
Nokho, uma ukwanda inani elinqunyiwe lemali, iyona izimfanelo kwenziwa phakathi kwabo isikhathi ekuseni.

 

kuya

oyinhloko Isifingqo


oyinhloko fixed-rate uhlelo ezikhanyisayo wabolekwa, iphindwe predetermined izinga fixed, yilokhu sokukhokhwa imali kanye nenzalo. Njengoba izinzuzo
, ke yobuso ingashiwo ukuthi empeleni isibalo sezinyanga ukuba abuyisele ingabalwa kusukela ekuqaleni.
Futhi ngo lemali ukubuyiswa kwemali imali, okungenani uma ziqhathaniswa nezinye izindlela, asikho isidingo sokuthi bakhathazeke mayelana nokukhokha eziningi ezithakazelisayo.

 

Ngakolunye uhlangothi, njengoba bokwenza, izimali ezinkulu isetshenziswa nyangazonke, niyophiwa wukuthi.
lapho iqashwe iyatholakala ngisho emakhulwini ezinkulungwane, ngezinye izikhathi ngisho ezinkudlwana nemali okumele ikhokhwe endaweni, kufanele ukhethe kusukela ukuqonda.

 

Ngaphezu kwalokho, ngenxa yokuthi kukhona izinkampani ezimbalwa esenze uthishanhloko fixed-rate ezikhanyisayo indlela, kuye ngokuthi isikhathi kwakudingeka imali udinga ukwenza inkampani ukukhetha ngokucophelela.
kuthishanhloko fixed-rate uhlelo ezikhanyisayo wabolekwa oyinhloko, iphindwe predetermined izinga fixed, yilokho sokukhokhwa imali kanye nenzalo. Njengoba izinzuzo
, ke yobuso ingashiwo ukuthi empeleni isibalo sezinyanga ukuba abuyisele ingabalwa kusukela ekuqaleni.
Futhi ngo lemali ukubuyiswa kwemali imali, okungenani uma ziqhathaniswa nezinye izindlela, asikho isidingo sokuthi bakhathazeke mayelana nokukhokha eziningi ezithakazelisayo.

 

Ngakolunye uhlangothi, njengoba bokwenza, izimali ezinkulu isetshenziswa nyangazonke, niyophiwa wukuthi.
lapho iqashwe iyatholakala ngisho emakhulwini ezinkulungwane, ngezinye izikhathi ngisho ezinkudlwana nemali okumele ikhokhwe endaweni, kufanele ukhethe kusukela ukuqonda.

 

Ngaphezu kwalokho, ngenxa yokuthi kukhona izinkampani ezimbalwa esenze uthishanhloko fixed-rate ezikhanyisayo indlela, kuye ngokuthi isikhathi kwakudingeka imali udinga ukwenza inkampani ukukhetha ngokucophelela.