Coonteyder iasagh

Soilshaghey magh y sum as y term jeh’n iass, ny reihyn rish as y sorch paidjys.
Ta'n calculator ry-hoiaghey y sum dy phaghtyn, y fhiass as y chost jeh'n iass.

Ta ny smoo as ny smoo dy leih usaghey seirbaghyn lending dy yannoo ceannaghtyn mooarey. Ta bancyn as bunneeyn nagh vel bancagh cur iasagh er ymmyd jeh ymmyd. Nuy t’ou uss goaill iasagh mooar, myr sampleyr, dy cheannagh apartment, carr, iasagh dy thoggal thie ny dy hroggal dty ghleashtan, she cooish mooar eh dy hoiggal dy bee oo ry-hoi y iasagh shoh. Son dy ve sheelt ayns roshtyn program iasagh ry-hoi, ta shin cur stiagh dy uss y calculator iasagh ain. Cur stiagh y sum jeh'n iass, y traa dy chosney iasagh ayns meeghyn as y red ry-paigh ayns ny fieldyn cooie, as cur stiagh myrgeddin y sorch paidjal - annuity ny differentiated, as t'ou uss goaill fys cre'n rannagh jeh'n paidjal iasagh ta goll dy chosney y fia, as cre'n ayrn t'er n'gholl dy chosney rish y iass, y scansh t'ayd er y mhee, y scansh t'ou er choyrt, dagh mhee as son y term iasagh ooilley, as y red t'er ny choyrt rish y iasagh.

Paidaghyn differenceagh

Lesh moddey differenshagh dy chosney fiasco iasagh, ta'n sum iasagh roshtyn ayns shareyn co-ionan. Ta ny shareyn shoh jannoo seose y chooid smoo jeh ny paidjyn mie. Ta'n chooid elley coontit myr rish er y scansh nagh vel er ny choyrt jeh'n iass. As shen, mish lurg mish ta'n earroo dy phaghtyn ry-gheddyn.
Ta mraane y raad shoh dy chosney iasagh.
Yn chied red t’ayn, she dy vel iasagh rish y raad shoh dy chosney fiasco ny s’duillagh dy gheddyn.
Ta'n baank dy h-arrey y sum s'yrjey jeh'n iass, er-yn-oyr dy vel y ghiareyder ry-hoi y chied rannagyn. Ta shen currit da dy vel ymmyd jeh'n aght shoh dy gheddyn iasagh dy vel ymmyd jeh'n aght shoh dy ve ry-gheddyn. Ayns cuid dy ghraih, t'eh ry-hoi collateral ny ymmyd jeh guaranteeyn ny co-iarnaghyn dy chur cooney.
Ta ymmyd elley jeh'n aght ta'n chied leth jeh'n traa t'er ny choyrt ry-cheilley ard-duillagh da'n 'borrower'. Mannagh vel shin loayrt jeh iasagh mooar, t’eh ry-hoi ymmyrchagh da’n iassagh. Agh ayns y toshiaght, t’eh ymmyrchagh dy row yn obbyr shoh ry-yannoo. Ta'n inflation as ny reihyn ry-chlashtyn ry-chlashtyn jannoo paidjyssyn ny sloo as ny sloo.

Paidaghyn bleeaney

Lesh y moddey annuity dy chosney iasagh, cha nee ny lomarcan y sum jeh'n fiasco t'er ny roshtyn ayns ayrnyn co-ionan, agh myrgeddin y rish er son y term iasagh ooilley. As shen, ta'n fer-reill paidjal rannagyn co-ionann rish ooilley ny traaghyn paidjal. Ayns y laa t'ayn, t'eh ry-chlashtyn rish y chooid smoo jeh ny bancaghyn commercialagh. Yn prince-chaslys jeh paidjyssyn annuity eh dy bee y scansh jeh paidjys ry-cheilley er y iass ny s'yrjey na rish system differenshagh. As ry-cheilley, ta'n system paidjal annuity goaill rish dy vel oo paidjal ry-cheilley 'sy chied leth jeh'n term iasagh. Ta'n prince-sum jeh'n fiasco son y traa shoh foast cha row eh er ny ghleiy.

Briwnys

Mannagh vel oo erreish da ymmyd y yannoo jeh iasagh son sum mooar as nagh vel oo er n’yannoo ymmyd jeh’n iasagh ry-hoi, ta iasagh lesh system paidjal annuity ry-hoi.
Ayns cassyn elley, goaill stiagh tra ta'n aght ry-gheddyn rish y traa ard, t'eh ny share dy reih banc ta cur iasagh lesh paidaghyn differenshagh.