Kuti amortization inoshanda sei
Loan amortization inzira yekuronga kukwereta kwakaringana kuita mubhadharo wakaenzana. Chikamu chechikamu chega chega chinovhara mubereko uye chasara chinoenda kumukuru wechikwereti. Nzira iri nyore yekuverenga mari yekubhadhara chikwereti ndeye kushandisa chikwereti amortization calculator kana tafura template. Nekudaro, iwe unogona kuverenga iyo shoma yekubhadhara neruoko uchishandisa chete mari yechikwereti, mubereko, uye nguva yechikwereti.
Matafura eAmortization anoshandiswa nevakweretesi kuverenga mubhadharo wepamwedzi uye kupfupisa ruzivo rwekubhadhara chikwereti kune vanokwereta. Zvisinei, matafura ekubhadhara mari anobvumirawo vanokwereta kuti vaone kuti imarii yechikwereti chavanogona kutenga, kuongorora kuti vangachengeta marii nekuwedzera mubhadharo, uye kuverenga mhindu yegore rose yezvinangwa zvemitero.
Chikwereti chakabhadharwa inzira yekubhadhara mari inobhadharwa mukati menguva yakatarwa. Mumhando iyi yeamortization chimiro, mukwereti anoita mubhadharo wakafanana mukati menguva yese yechikwereti, achigovera chikamu chekutanga chekubhadhara kune mubereko uye chasara kune mukuru wechikwereti. Mukubhadhara kwega kwega, chikamu chikuru chinopihwa capital uye chikamu chidiki kune mhindu kusvika chikwereti chabhadharwa.
Mortgage Amortization Calculator
Amortization kubhadhara chikwereti nekufamba kwenguva muzvikamu zvakaenzana. Chikamu chemubhadharo wega wega chinoenda kune mukuru wechikwereti uye chimwe kune chimbadzo. Mukubhadhara chikwereti chechikwereti, mari yakagoverwa kumukuru inotanga zvishoma uye zvishoma nezvishoma inowedzera mwedzi nemwedzi. Zvichakadaro, mari inopihwa mubereko inodzikira mwedzi nemwedzi pazvikwereti zvakatarwa.
Amortgage amortization schedule itafura inonyora imwe neimwe yenguva dzose yekubhadhara mortgage nekufamba kwenguva. Chikamu chekubhadhara kwega kwega chinoiswa kune yekutanga chiyero uye mubereko, uye iyo mortgage chikwereti chemubhadharo chirongwa chinotsanangura huwandu huchaenda kune chimwe nechimwe chikamu chekubhadhara imba.
Pakutanga, yakawanda yekubhadhara inoenda kune mubereko uye kwete kune mukuru wechikoro. Chirongwa chekubhadhara chikwereti chicharatidza kuti sezvo nguva yechikwereti ichifambira mberi, yakawanda yekubhadhara inoenda pakubhadhara mukuru kusvikira chikwereti chabhadharwa zvizere pakupera kwetemu.
Musiyano pakati pemortgage uye amortization
Pfungwa yekutanga yemortgage amortization iri nyore: Iwe unotanga nechikwereti chemari woidzorera muzvikamu zvakaenzana nekufamba kwenguva. Asi kana iwe ukanyatsotarisisa kubhadhara kwega kwega, uchaona kuti mukuru uye mubereko pachikwereti zvinobhadharwa pamutengo wakasiyana.
"Kubhadhara zvikwereti inzira yekuverenga mari yechikwereti inobhadhara-ndiko kuti, kubhadhara-huwandu hwechikwereti," anotsanangura kudaro Robert Johnson, purofesa wezvemari paCreighton University's Heider College of Business.
Kana iwe uine mari yakatarwa-yemwero wechikwereti, sevaridzi vemba vazhinji, yako yemwedzi yemwedzi yekubhadhara imba inogara yakafanana. Asi kuparara kwemubhadharo wega wega - kuti imarii inoenda kune mukuru wechikwereti maringe nemubereko - inoshanduka nekufamba kwenguva.
Shanduko iyi (kubva pamari yakawanda kuenda kumukuru wechikoro) inongokanganisa magadzirirwo emari yako yemwedzi wega wega. Kana uine mari yekubhadhara mari yakatarwa, mari yaunobhadhara mwedzi wega wega kune mukuru uye mhindu inoramba yakafanana.
Kuparara kwemubhadharo kwakakosha nekuti kunotaridza kuti kukurumidza kwemba kunowedzera sei. Zvakare, kukosha kwemari kunokanganisa kugona kwako kugadzirisa, kubhadhara imba yako nekukurumidza, kana kukwereta nechikwereti chechipiri.
Partially amortized mortgage
Ipfupi amortization inogona kukuchengetedza mari nekuti iwe unobhadhara zvishoma mubereko pamusoro pehupenyu hwechimba chako chemba. Huwandu hwemari yako yenguva dzose yekubhadhara imba ichakwira nekuti iwe uchabhadhara chikamu munguva shoma. Nekudaro, iwe unogona kuvaka kuenzana mumba mako nekukasira uye wova wemahara-yemahara nekukurumidza.
Ona chati iri pazasi. Inoratidza kukanganisa kwenguva mbiri dzakasiyana dzeamortization pakubhadhara kwembande uye mari yemhindu yakazara. Mari yese yemubereko inowedzera zvakanyanya kana nguva yeamortization inopfuura makore makumi maviri nemashanu.
Iwe haufanirwe kuomerera nenguva yeamortization yawakasarudza pawakanyorera yako remba. Zvine musoro wezvemari kuti uongororezve amortization yako nguva imwe neimwe yaunovandudza imba yako yemba.
