ʻO ka moraki 15 makahiki, pono anei iaʻu e hoʻolimalima hou?
0 makahiki1 makahiki2 makahiki3 makahiki4 makahiki5 makahiki6 makahiki7 makahiki8 makahiki9 makahiki10 makahiki11 makahiki12 makahiki13 makahiki14 makahiki15 makahiki16 makahiki17 makahiki18 makahiki19 makahiki20 makahiki21 makahiki22 makahiki23 makahiki24 makahiki25 makahiki26 makahiki27 makahiki28 makahiki29 makahiki30 makahikiXNUMX makahiki
MORAKI MAKAHIKI 1 MAKAHIKI 2 makahiki 3 makahiki4 makahiki 5 makahiki6 makahiki 7 makahiki 8 makahiki9 makahiki10 makahiki11 makahiki 12 makahiki13 makahiki14 makahiki15 makahiki16 makahiki 17 makahiki18 makahiki19 makahiki20 makahiki21 makahiki22 makahiki23 makahiki24 makahiki25 makahiki26 makahiki27 makahiki28 makahiki29 makahiki30 makahiki31 makahiki32 makahiki33 makahiki34 makahiki35
Loan Term1 makahiki2 makahiki3 makahiki4 makahiki5 makahiki6 makahiki7 makahiki8 makahiki9 makahiki10 makahiki11 makahiki12 makahiki13 makahiki14 makahiki15 makahiki16 makahiki17 makahiki18 makahiki19 makahiki21 makahiki22 makahiki23 makahiki24 makahiki25 makahiki
Manawa hoohuli 1 makahiki 2 makahiki 3 makahiki4 makahiki 5 makahiki6 makahiki 7 makahiki 8 makahiki9 makahiki10 makahiki11 makahiki12 makahiki13 makahiki14 makahiki15 makahiki16 makahiki17 makahiki18 makahiki19 makahiki21 makahiki22 makahiki23 makahiki24 makahiki25 makahiki26 makahiki27 makahiki28 makahiki 29 makahiki30 makahiki31 makahiki32 makahiki33 makahiki34 makahiki35
Calculator e uku i ka moraki a i ʻole ke kālele
ʻO ka amortization maʻamau o kahi hōʻaiʻē he ʻelua ʻāpana, ke kumu a me ka ukupanee. ʻO ke kumupaʻa ka nui i hōʻaiʻē ʻia, ʻoiai ʻo ka ukupanee ka mea e uku ai ka mea nāna e hōʻaiʻē i ke kālā. ʻO kēia uku paneʻe he pākēneka o ke kumu kūʻai. E loaʻa i kahi papa hoʻopaʻa ʻaiʻē moraki maʻamau ka ukupanee a me ke kumupaʻa.
E uhi mua kēlā me kēia uku i ka ukupanee a ʻo ke koena e hele i ke kumu. No ka mea e koi ana ke koena koena o ka huina kumu i ka uku panee nui, e hele ana ka hapa nui o ka uku i ka ukupanee mua. Eia naʻe, i ka emi ʻana o ke poʻo kumu kūʻai, e emi ana nā kumukūʻai ukupanee ma hope. No laila, me kēlā me kēia uku hope, e emi ana ka ʻāpana i hoʻokaʻawale ʻia i ka ukupanee aʻo ka piʻi ʻana o ke kumupaʻa i uku ʻia.
Ma waho aʻe o ke kūʻai ʻana i ka hale no ka uku ʻana i ka moraki, makemake paha kekahi poʻe ʻaiʻē e uku koke i kā lākou moraki e mālama ai i ka uku panee. Eia kekahi mau hoʻolālā e hiki ke hoʻohana e uku mua i ka moraki:
ʻEhia ka nui o ka moraki aʻu i uku ai i nā makahiki 5?
Akā, pehea e pili ana i nā mea hale no ka wā lōʻihi? ʻO kēlā mau makahiki 30 o ka uku ukupanee hiki ke hoʻomaka e like me ke kaumaha, ʻoiai ke hoʻohālikelike ʻia i nā uku o nā hōʻaiʻē o kēia manawa me nā uku uku haʻahaʻa.
Eia nō naʻe, me ka hoʻihoʻi kālā 15-makahiki, hiki iā ʻoe ke loaʻa ka uku uku haʻahaʻa a me kahi manawa hōʻaiʻē pōkole e uku wikiwiki ai i kāu moraki. Akā e hoʻomanaʻo i ka pōkole o ka manawa o kāu moraki, ʻoi aku ka kiʻekiʻe o kāu uku moraki i kēlā me kēia mahina.
Ma ka uku panee 5% ma luna o ʻehiku makahiki a me ʻehā mahina, e like ana kāu uku moraki i hoʻohuli hou ʻia he $135.000. ʻAʻole wale ʻo ia i mālama i $59.000 i ka ukupanee, akā loaʻa iā ia kahi waihona kālā hou ma hope o ka manawa hōʻaiʻē 30 makahiki.
ʻO kekahi o nā ala maʻalahi loa e hoʻonui i ka uku i kēlā me kēia makahiki ʻo ka uku ʻana i ka hapalua o kāu uku moraki i kēlā me kēia pule ʻelua ma mua o ka uku ʻana i ka huina piha i hoʻokahi mahina. ʻIke ʻia kēia ma ke ʻano he "uku ʻelua pule."
Eia naʻe, ʻaʻole hiki iā ʻoe ke hoʻomaka wale e uku i kēlā me kēia pule ʻelua. Hiki ke huikau kāu mea lawelawe hōʻaiʻē ma ka loaʻa ʻana o nā uku hapa a me nā uku ʻole. E kamaʻilio mua me kāu mea lawelawe hōʻaiʻē e ʻae i kēia hoʻolālā.
helu moraki uku
Inā ua loaʻa iā ʻoe kahi kālā i manaʻo ʻole ʻia a i mālama paha i kahi kālā nui i nā makahiki, hiki ke hoʻowalewale i ka uku mua ʻana i ka hōʻaiʻē moraki. ʻO ka uku mua ʻana i ka moraki he hoʻoholo maikaʻi a ʻaʻole paha ma muli o ke kūlana kālā o ka mea hōʻaiʻē, ka uku paneʻe ma ka hōʻaiʻē, a me ke kokoke ʻana i ka hoʻomaha.
Pono ʻoe e noʻonoʻo inā hoʻokomo ʻia kēlā huina kālā ma mua o ka uku ʻana i ka moraki. Ke ʻimi nei kēia ʻatikala i ke kumukūʻai ukupanee e hiki ke mālama ʻia ma ka uku ʻana i ka moraki he ʻumi makahiki ma mua o ka papa hana me ka hoʻokomo ʻana i kēlā kālā ma ka mākeke, e pili ana i nā hoʻihoʻi kālā like ʻole.
No ka laʻana, ma ka uku mahina o $1.000, hiki ke hoʻohana ʻia $300 no ka ukupanee a me $700 e hōʻemi i ke koena kumu o ka hōʻaiʻē. Hiki ke ʻokoʻa ka uku panee ma ka hōʻaiʻē moraki ma muli o ke kūlana o ka uku paneʻe ma ka hoʻokele waiwai a me ka pono o ka mea hōʻaiʻē.
Ua kapa ʻia ka papa hana uku hōʻaiʻē ma kahi o 30 mau makahiki he manawa amortization. I nā makahiki mua, ʻo nā uku ma ka hōʻaiʻē moraki paʻa i hoʻopaʻa ʻia i ka ukupanee. I nā makahiki i hala iho nei, ua hoʻohana ʻia ka hapa nui o ka uku hōʻaiʻē i ka hoʻemi kumu.
