Sibalo semalimboleko

Cacisa inani kanye nesikhatsi semalimboleko, emazinga entalo kanye neluhlobo lwetinkhokhelo.
I-calculator itawubala inani letinkhokhelo, sikweleti kanye netindleko temalimboleko.

Bantfu labanyenti basebentisa tinsita tekubolekisa kute bathenge tintfo letinkhulu. Emabhange kanye netinhlangano letingekho emabhange baniketa imalimboleko ngemibandzela leyehlukahlukene. Uma utsatsa imalimboleko lenkhulu, sibonelo, kutsenga ifulethi, imoto, imalimboleko yekwakha indlu noma kutfutfukisa libhizinisi lakho, kubalulekile kwati kutsi utawukhona kukhokha lemalimboleko. Kuze uciniseke ekukhetseni luhlelo lolutsite lwekubolekisa, siphakamisa kutsi usebentise i-calculator yetfu yekubolekisa. Faka imalimboleko, sikhatsi sekukhokha imalimboleko ngetinyanga kanye nesilinganiso sentalo etindzaweni letifanele, futsi uphindze ukhombise luhlobo lwetinkhokhelo - annuity noma differentiated, futsi ungatfola kutsi nguyiphi incenye yetinkhokhelo temboleko leya kukhokha sikweleti, . futsi nguyiphi incenye leya kukhokha inzalo yemboleko, ibhalansi yesikweleti sakho ngenyanga, inani lekukhokha ngetulu kwemkhawulo, kokubili ngenyanga kanye naso sonkhe sikhatsi semboleko, kanye nelizinga lentalo sibili lemboleko.

Tinkhokhelo letehlukene

Ngendlela lehlukile yekukhokha sikweleti semboleko, imalimboleko ihlukaniswe yaba ngemasheya lalinganako. Lamasheya enta incenye lenkhulu yetinkhokhelo takho tenyanga. Lokusele kumele inzalo yebhalansi lengakakhokhwa yemalimboleko. Ngaleyo ndlela, inyanga nenyanga inani letinkhokhelo liyancipha.
Le ndlela yekukhokha imalimboleko inebubi.
Lokuyinhloko kutsi imalimboleko ngalendlela yekukhokha sikweleti kumatima kakhulu kuyitfola.
Libhange kumele libale imalimboleko lephakeme ngekuya ngekutsi lobolekako uyakhona yini kukhokha titolimende tekucala. Loku kusho kutsi kutfola imalimboleko lenjalo kufanele ube nemali lengenako lephakeme kahle. Ngalesinye sikhatsi, sibambiso noma kubandzakanyeka kwebacinisekisi noma lababoleka ngekubambisana kungasita.
Lokunye lokubi kutsi ihhafu yekucala yesikhatsi sekukhokha ilukhuni kakhulu kumboleki. Nangabe sikhuluma ngemalimboleko lenkhulu, loku kungaba ngumtfwalo lomkhulu kuloyo lobolekako. Kepha esikhatsini lesitako lobubi bungaphenduka bube yinzuzo. Inflation kanye nekwehla kwemazinga entalo kwenta tinkhokhelo tibe mncane futsi tibe ngumtfwalo lomkhulu.

Tinkhokhelo temnyaka

Ngendlela ye-annuity yekukhokha imalimboleko, hhayi kuphela imali yesikweleti ihlukaniswe yaba tincenye letilinganako, kepha nenzalo kuyo yonkhe sikhatsi sesikweleti. Ngaleyo ndlela, lobolekako ukhokha titolimende letilinganako kuso sonkhe sikhatsi sekukhokha. Namuhla, lendlela yekukhokha isetjentiswa ngemabhange lamanyenti latsengisako. Lokungakalungi lokukhulu kwetinkhokhelo temnyaka kutsi imali yekukhokha ngetulu kwemalimboleko itawuba ngetulu kunaleyo leneluhlelo lolwehlukile. Ngetulu kwaloko, luhlelo lwekukhokha lwemnyaka lutsatsa kutsi engcenyeni yekucala yethemu yemboleko ukhokha ikakhulukati inzalo yemboleko. Inani eliyinhloko lesikweleti salesikhatsi lihlala licishe lingatsintfwa.

Siphetfo

Nangabe ufuna kutsatsa imalimboleko yemali lenkhulu futsi ungahleli kuyikhokha ngaphambi kwesikhatsi, imalimboleko leneluhlelo lwekukhokha ngemnyaka ikufanele.
Ngaletinye tikhatsi, ikakhulukati uma kukhulunywa ngekubolekisa sikhatsi lesidze, kuncono kukhetsa libhange leliniketa imalimboleko lenetinkhokhelo letehlukene.