Ikhalkholetha yemalimboleko

Ikhalkholetha yemalimboleko

Cacisa inani nesikhathi semalimboleko, amazinga wenzalo kanye nomhlobo weenkokhelo.
I-calculator izokubala inani leenkokhelo, isikolodo kanye neendleko zemalimboleko.

Abantu abanengi basebenzisa imisebenzi yokubolekisa ukwenza ukuthenga okukhulu. Amabhanga neenhlangano ezingasi zebhanga zinikela ngemalimboleko ngaphasi kwemibandela ehlukileko. Nawuthatha imalimboleko ekulu, ngokwesibonelo, ukuthenga ifulethi, ikoloyi, imalimboleko yokwakha indlu nofana ukuthuthukisa ibhizinisi lakho, kuqakathekile ukwazi bona uzokukghona ukubhadela imalimboleko le. Ukuze ube nesibindi ekukhetheni ihlelo elithileko lemalimboleko, siphakamisa bona usebenzise i-calculator yethu yemalimboleko. Faka inani lemalimboleko, isikhathi sokubuyiselwa kwemalimboleko ngeenyanga kanye nezinga lenzalo eendaweni ezifaneleko, begodu utjengise nomhlobo weenkokhelo - i-annuity nofana ehlukileko, begodu ungathola bona ngiyiphi ingcenye yeenkokhelo zemalimboleko eya ekubhadeleni isikolodo, begodu ngiyiphi ingcenye eya ekubhadeleni inzalo yemalimboleko, ibhalansi yesikwelede sakho ngenyanga, inani lokubhadela ngokweqileko, kokubili ngenyanga nangesikhathi soke semalimboleko, kanye nezinga lenzalo yamambala yemalimboleko.

Iinkokhelo ezihlukileko

Ngendlela ehlukileko yokubhadela isikwelede semalimboleko, inani lemalimboleko lihlukaniswa laba ziingcenye ezilinganako. Amasheya la enza inengi leenkokhelo zakho zenyanga. Okuseleko kujamele inzalo yebhalansi engakabhadelwa yemalimboleko. Ngalokho, inyanga nenyanga inani leenkokhelo liyancipha.
Indlela le yokubhadela imalimboleko inezinto ezimbi.
Okuqakathekileko kukuthi imalimboleko enendlela le yokubhadela isikwelede kubudisi ukuyifumana.
Ibhanga kufanele libale inani eliphezulu lemalimboleko ngokuya ngokuthi obolekako uyakghona na ukubhadela iintolimenti zokuthoma. Lokhu kutjho bona ukuthola imalimboleko enjalo kufuze ube neholo eliphezulu. Kwezinye izehlakalo, isibambiso namkha ukuzibandakanya kwabaqinisekisi namkha ababolekisi kungasiza.
Okunye okumbi kukobana ingcenye yokuthoma yesikhathi sokubhadela ibudisi khulu kumuntu obolekako. Nangabe sikhuluma ngemalimboleko ekulu, lokhu kungaba mthwalo omkhulu kumuntu obolekako. Kodwana esikhathini esizako ubumbi lobu bungatjhuguluka bube yinzuzo. Ukwenyuka kwamanani kanye nokwehla kwamazinga wenzalo kwenza bona ukubhadela kube mthwalo omncani.

Iinkokhelo ze-annuity

Ngendlela ye-annuity yokubhadela imalimboleko, ingasi inani lesikolodo kwaphela elihlukaniswa laba ziingcenye ezilinganako, kodwana nenzalo kiso isikhathi soke semalimboleko. Ngalokho, obolekako ubhadela iintolimende ezilinganako kiso soke isikhathi sokubhadela. Namhlanjesi, indlela yokubhadela le isetjenziswa mabhanga amanengi wezokurhweba. Ububi obukhulu beenkokhelo ze-annuity kukobana inani lokubhadelwa ngokweqileko kwemalimboleko lizokuba phezulu ukudlula ihlelo elihlukileko. Ukungezelela, ihlelo lokubhadela i-annuity lithatha bona engcenyeni yokuthoma yesikhathi semalimboleko ubhadela khulu inzalo yemalimboleko. Inani elikhulu lesikolodo sesikhathi lesi lihlala lingathintwa.

Isiphetho

Nawufuna ukuthatha imalimboleko ngemali enengi begodu ungahleli ukuyibhadela ngaphambi kwesikhathi, imalimboleko enehlelo lokubhadela i-annuity ikulungele.
Kwezinye izehlakalo, khulukhulu nakuziwa ekubolekiseni isikhathi eside, kungcono ukukhetha ibhanga elinikela ngemalimboleko eneenkokhelo ezihlukileko.