Annuity ndi malipiro kusiyanitsidwa pa ngongole ndi: ubwino ndi kuipa kwa njira iliyonse mtundu

Mwatsoka, onse makasitomala banki amene ntchito zosiyanasiyana ngongole ndi pang'onopang'ono, kumvetsa kusiyana pakati pa annuity ndi malipiro kusiyanitsidwa ngongole ya. Choncho, pamene munthu kamodzi pamene mupanga mwayi zambiri kusankha chiwembu, iye amadalira maganizo a munthu wogwira ntchito ku banki, kapena (oipitsitsa) amachita mwachisawawa. Chifukwa, wobwereka zambiri tanthauzo amalipira, chifukwa ndalama zimenezi, komwe iye ali ndi ngongole overdue.

Annuity mawerengedwe dera

Ngati munthu amapanga kunja pa kumsika kapena magolosale pang'onopang'ono kwa ogulidwa katundu (ogula ngongole), kusiyanitsidwa malipiro n'zokayikitsa kuperekedwa. chakuti annuity chiwembu cha alipire amalola ngakhale kuti kupanga ndandanda ndi pangano. Fizi pa nthawi yonse ya ngongole ya mopitirira malinga ndi chilinganizo kotero kuti iwo anali olingana. Amasiyana angakhoze kokha chatha ndalama zonse mu lalikulu ndi mbali ang'onoang'ono.

chiwembu amagwiritsidwa ntchito ndi mabanki mogwirizana ndi mfundo yakuti utumiki annuity ngongole sikutanthauza zinthu zina, chilichonse chimachitika basi. Kasitomala amadziwa zimene malipiro ake, ndipo akupereka alipire pamwezi. Ngati tikambirana chiwembu ndi malo wobwereka, iwo amati zochepa yabwino kuposa malipiro kusiyanitsidwa ngongole ya. Ndipotu, ngati chidwi wapatsidwa pa kuchuluka yotsalira ngongole (ndipo zimenezi kaya Zithunzi za), inu simungakhoze kuyankhula za ubwino ndalama njira iliyonseyo. Zambiri annuity alipire kasitomala pang'onopang'ono chimatha kuchuluka ngongole, kotero overpayment zomaliza zidzakhala zambiri. Komano, wobwereka ndi zosavuta kupereka banki, bwino kudziwa pamwezi malipiro kuchuluka. Makamaka ngati mgwirizanowo amapereka oyambirira ntchito udindo kwa iye palibe amene kazivutitsa kulipira kuposa mmene tchatichi.

kusiyanitsidwa chiwembu

Koma iwo akutchedwa tingachipeze powerenga. mu akubwereketsa akatswiri zambiri amalangiza makasitomala kusankha izo. chakuti mawerengedwe a ndalama kusiyanitsidwa ngongole ikuchitika chabe ndi transparently. Aliyense wobwereka, ntchito Chiwerengero wamba akhoza kuchita izo nokha. Pankhaniyi, thupi la ngongole ya lagawidwa ndalama ofanana (by chiwerengero cha miyezi kukongoza), ndi chidwi wapatsidwa pa ngongole otsala. Choncho, kucheperachepera mu kutalika kwa nthawi. Kusiyanitsidwa malipiro ngongole mwezi uliwonse yotsatirayi kukhala wosiyana kwa m'mbuyomu. Izi drawback waukulu. Ndiko kuti, kasitomala pamaso ndalama mu kaundula ndalama kapena osatha, muyenera kapena funsani ndandanda yanu kapena mwachindunji kuchuluka kwa katswiri.

Kusiyanitsidwa malipiro pa ngongole si yabwino ndi yakuti malipiro oyamba zimasiyana mu njira chachikulu. Izi zikutanthauza kuti dera kungakhale wobwereka sangathe n'komwe kuzikwanitsa.

Kodi Mungasankhe

Anthu amene alibe nthawi ndi mwayi nthawi iliyonse kupita ku banki kuti mwachindunji malipiro anu zikuoneka kuti zigwirizane ndi annuity. Ndipo ngati inu kubwezera patsogolo pa ndandanda, ndi overpayment sadzakhala monga mkulu. Anthu borrowers amene anazolowera kuti mosamalitsa kutsatira ndandanda, ndithudi yoyenera kwambiri chakale chiwembu cha alipire. Kumene, ngati kuwopsyeza malipiro oyamba. Choncho ndi kusiyanitsidwa ndondomeko yake ndi annuity ndi mfundo zake zabwino ndi zoipa.