Ndi malipiro annuity pa kukhwima ngongole chiyani?

Chifukwa cha kutchuka kwa ngongole tonsefe, nzika wamba, ndi sizigwirizana ndi banki ya, zitsulo si zoipa kwambiri kuposa akatswiri kumvetsa mitundu ndi zikhalidwe za ngongole.

Banks kupereka mitengo osiyana chidwi ndi mawu, komanso m'malo osiyanasiyana: ndi malipiro koyamba kapena ayi, ndi chikole cha katundu kapena popanda - ife sitingalephere adziwane nawo, wolowa chifukwa chimodzi kapena chimzake banki mankhwala. Koma pali ina imene anthu ochepa kulabadira - mtundu uwu malipiro mu kukhazikitsa alipire ngongole. Kuyambira chizindikiro ichi zimadalira kuchuluka kwa malipiro mwezi, amene ali chinthu chofunika kwambiri, chifukwa ziyenera deducted kwa ndalama zathu nthawi ya mogwirizana ndi banki.

M'pofunikanso podziwa kuti pali mwayi wosankha: annuity kapena malipiro kusiyanitsidwa. Koma kodi ife kupereka mwanzeru? Infrequently, chifukwa banki yopindulitsa kwambiri kuti malipiro awo, umene wobwereka ndi amakakamizidwa tisamalire, T. E. The annuity. Tikugwirizana, musazengereze, basi chifukwa kuti ife sindikumvetsa kwambiri zimene malipiro annuity. Ngati zikhalidwe za akufuna ngongole ndi banki anasonyeza kuti n'zotheka kusankha mtundu wa kupereka, sudzakhala wabisa kuti mwayi kuganizira zimene zili yopindulitsa kwambiri ndi yabwino kwambiri.

malipiro Annuity - ndiwo anthu amene kuchuluka kwa malipiro anu pa ngongole zidzakhala chomwecho mu nthawi ya alipire. Pamene kusiyanitsidwa malipiro kuchuluka mwezi uliwonse zimasiyana kunsi.

Tiyeni tione zimene malipiro annuity, ndipo n'chifukwa mabanki zambiri kupereka iwo? Ngati m'njira ina iliyonse malipiro pa ngongole, ichi imakhala ndi mbali ziwiri: olemekezeka ndi accrued chiwongoladzanja chake chapadera mu kuchuluka zafotokozeredwa zikhalidwe za mgwirizano ngongole. Choncho, mu gawo loyamba la malipiro kuchuluka wanu ngongole ndi gawo laling'ono kwambiri kuchuluka chachikulu, ndipo kenako zolemera. Izi zikusonyeza kuti chiwerengero cha ngongole yafupika kwambiri, pang'onopang'ono ndipo chidwi wapatsidwa pa izo ndendende. Choncho, nthawi zambiri zimachitika kuti wobwereka, osadziwa chimene malipiro annuity, ndipo akufuna oyambirira ngongoleyo, mwadzidzidzi mosayembekezeka ndikupeza kuti kwa miyezi ingapo, ndipo ngakhale zaka, kupereka banki mwezi ndalama zambiri, ndi kuchuluka kwa ngongole utachepa kwangochepetsako pang'ono chabe . Iwo likukhalira kuti nkwabwino ndi banki si yopindulitsa wobwereka - chifukwa inu kulipira chidwi, titero pasadakhale, ndipo ngati mwaganiza prepay ngongoleyo, An pofuna ndalama, inu simungapeze - chidwi pa ngongole kale analipira.

Plus malipiro annuity mu bata awo. Ndi thandizo lawo, n'kosavuta bajeti yanu, podziwa chimene mtundu wa ndalama muyenera kukweza mwezi uliwonse. Ndicho chimene malipiro annuity.

Monga momwe tikuonera bwino pamwamba, malipiro kusiyanitsidwa sakhala yabwino kuchita anapezazo, koma si ndalama. Ali mbali ya chachikulu ndi utoto uniformly pa lonse ngongole akuti ndi chidwi accrued pa muyezo, kuchepa pamwezi chifukwa kuchepetsa ngongole. Malipiro oyamba akhoza kukhala ndi katundu wolemetsa bajeti, koma m'tsogolo kuchuluka adzakhala ndichepe ndipo ngakhale amakulolani kulipira ngongole oyambirira.