Uthishanhloko futhi isithakazelo fixed-rate ezikhanyisayo isikimu

Ndawonye uthishanhloko fixed-rate uhlelo ezikhanyisayo, kuyinto uhlelo buyiselo ukuthi uthishanhloko kanye nesithakazelo fixed-rate ezikhanyisayo uhlelo ukuthi asetshenziswe kakhulu ezezimali umthengi.
kuyinto ukusetshenziswa multi-cishe ezibonakala befaneleka, kodwa Uma ungenalo ngokuqinile khumbula sici esinjalo, kufanele uqaphele ukuthi kwezinye izimo ngokuhamba kwesikhathi angathola kwenkinga enkulu. Futhi kuyinto isikhathi kulula ukuqasha
, masizame ukuma ngokuqinile ohlelweni kuze ukubuyiswa kwemali.

 

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

uthishanhloko kanye nesithakazelo fixed-rate ezikhanyisayo

uthishanhloko
futhi isithakazelo fixed-rate uhlelo ezikhanyisayo labolekiwe ngoba inani lemali, kuyindlela ukukhokha lemali etholwe siphindaphindeka kumaphesenti athile.
ngokuyinhloko ezezimali umthengi, ngendlela ezimweni eziningi ukuze kusetshenziswe ezifana loans ikhadi, i-ukubuyiswa kwemali kulesi sibalo formula "izikweletu × ngesilinganiso njalo" is ngokobungako, olokuqala nanembuyiselo semali, ukubuyiswa kwemali futhi sekuyinto ukuthi iyona enkulu kunazo zonke izici uzokwehla inani ukubuya ngokuhambisana iyakhula.

 

Uma izibonelo eziqondile

Ngokwesibonelo izinga elimisiwe oyinhloko izinga fixed ezikhanyisayo kusuka 5% umthengi ezezimali, waboleka 200,000 yen 12% interest yonyaka, ukubala ifomula kuba kanje wena.
200,000 yen × 5% = 10 000 yen
kule zihlanganisa amanani ezisebenza oyinhloko, kuba eziyisisekelo ukukhuthaza ngokufana okukhona ukuba abuyisele njalo ngenyanga. Uma waboleka kukho

 

mibandela engenhla, indlela kokubala isithakazelo ukukhokha inyanga ngayinye buzoba buncane.
200,000 yen × (12% ÷ ezingu-12)
= 200,000 yen × 1%
= 2000 yen
Ngakho-ke, 8000 yen lokususa 2000 yen nesithakazelo lemali sokukhokha isikweletu siba, ke uzobe anikelwe esibaliwe uthishanhloko.

 

njengoba izinzuzo uthishanhloko kanye isithakazelo izinzuzo fixed-rate ezikhanyisayo

oyinhloko isithakazelo fixed-rate uhlelo ezikhanyisayo, kuyoba ukufaka imigomo ye nemali ukukhokha njalo ngenyanga isilungisiwe.
ukuphila Ungase futhi unciphise umonakala, uzokwazi ukwenza senkokhelo lapho uhlela. engenayo
nazo indlela ephephile lapho aluqinile kakhulu njengoba itoho.

 

Ngaphezu kwalokho, ngisho nalapho sewenze kwemali entsha, sizuzisa ngoba umthwalo akubi sikhulu kakhulu.
nemali ukukhokha inyanga ngayinye, kusukela ukuthi kunqunywa izinga kanye lenkokhelo kubekiwe ngamunye, kungaba futhi kancane ezisithintayo ukukhokhelwa uma kukhona ngezinga elithile imali ekahle.

 

Ngaphezu kwalokho, ngenxa yokuthi kukhona izinto eziningi izinkampani ngokuyisisekelo ukuthi kusetshenziswe izimali okuhleliwe, libhekene lula ukuqonda futhi nyangazonke ukubuyiswa kwemali umjikelezo.
1 inyanga ngayinye, kuthi njalo ngemva kwezinsuku ezingu-35, kuncike inkampani, ngoba kungaba futhi ube nobunye ukuze payday ngesikhathi esibekiwe kusuka lapha, akudingeki ukuba sikhathazeke, ezifana ukhohlwe ukukhokha.

 

nemibi oyinhloko isithakazelo fixed-rate ezikhanyisayo

njengoba bokwenza uthishanhloko kanye isithakazelo fixed-rate uhlelo ezikhanyisayo, hhayi ukwenza nanembuyiselo uhlelo niqinile, kukhona iphuzu lapho iba kwemali yesikhathi eside. Sokusebenzisa ngesilinganiso njalo
ngokuyisisekelo zokweboleka ibhalansi, ngeke kube 0 ngaphandle kokuthi ukhokhe bebonke ngezinga elithile.

 

Ngaphezu kwalokho, ngokuhambisana inombolo yokukhokha zeminyaka inyuka, kungase futhi zihlanganisa nemibi isithakazelo inyuka kakhulu.
futhi ngoba kukhona kancane umthwalo nyangazonke, kunokuba babuyele kuphela inani lemali elincane imali okunikezwa, kubalulekile ukuba sizinake ngaphezu uma kukhona wekhasi imali.
ezifana ezezimali umthengi amancane kanye naphakathi
, izinkampani ukuthi musa Ubhale imininingwane uhlelo sokukhokha isikweletu siba futhi akuyona into engajwayelekile. Endabeni
uyibuyisele alisho inani lezinsuku inkampani, ngisho njengoba babengeve benomusa lapho yerenti, ngeke futhi izoqhubeka nsuku ebuyisela isithakazelo kuphela.
futhi ukuze aqede ukukhathazeka okunjalo, ezifana ukwethula lwezikhathi eningiliziwe kweyesi ikhasi lasekhaya ngaphakathi noma inkontileka, lithi inkampani ukukhetha sithembekile kubalulekile.

 

Isifingqo

oyinhloko isithakazelo fixed-rate uhlelo ezikhanyisayo senzelwe ukunquma asebedlule kumaphesenti athile nezikweletu njengomndeni ukubuyiswa kwemali. Ngesikhathi
izinkokhelo, uzokhokhelwa inzalo kanye uthishanhloko, kuyoba ifomu ezofakwa inani njalo ngenyanga.

 

nothishanhloko kanye isithakazelo fixed-rate uhlelo ezikhanyisayo, noma inani lemali ukukhokha njalo ngenyanga esinqunyiwe, zikhona izinzuzo ezifana noma umthwalo ezimbalwa lapho kwemali entsha.
Ngakolunye uhlangothi ukuthi, wokuboleka bese icala iba isikhathi eside, wenza isikhathi esiningi ukukhokha kuphela inani lenzalo, ezifana kukhona kusimo.
ukubuyela ngokuqinile uthishanhloko lapho ungakwazi ukubuyela, lokhu umthetho eziyinhloko uma ukusebenzisa uthishanhloko kanye nesithakazelo fixed-rate uhlelo ezikhanyisayo mhlawumbe.

 

oyinhloko isithakazelo fixed-rate uhlelo ezikhanyisayo senzelwe ukunquma asebedlule kumaphesenti athile nezikweletu njengomndeni ukubuyiswa kwemali. Ngesikhathi
izinkokhelo, uzokhokhelwa inzalo kanye uthishanhloko, kuyoba ifomu ezofakwa inani njalo ngenyanga.

 

nothishanhloko kanye isithakazelo fixed-rate uhlelo ezikhanyisayo, noma inani lemali ukukhokha njalo ngenyanga esinqunyiwe, zikhona izinzuzo ezifana noma umthwalo ezimbalwa lapho kwemali entsha.
Ngakolunye uhlangothi ukuthi, wokuboleka bese icala iba isikhathi eside, wenza isikhathi esiningi ukukhokha kuphela inani lenzalo, ezifana kukhona kusimo.
ukubuyela ngokuqinile uthishanhloko lapho ungakwazi ukubuyela, lokhu umthetho eziyinhloko uma ukusebenzisa uthishanhloko kanye nesithakazelo fixed-rate uhlelo ezikhanyisayo mhlawumbe.