Bhadhara mari yemba kana invest Calculator excel
Mushure mekugara mumba kana kuwana zvishoma zvishoma zvekugadzirisa zvemari, varidzi vemba vazhinji vanotanga kushamisika, "Ndinofanira kuita imwe mari yekubhadhara chikwereti here?" Mushure mezvose, kuita mubhadharo wekuwedzera kunogona kuchengetedza pamitengo yemubereko uye kupfupisa urefu hwechimba chako, zvichikuisa padyo nekuve muridzi wemba yako.
Nekudaro, kunyangwe iyo pfungwa yekubhadhara imba yako nekukurumidza uye nekugara mumba mako usina remba inonzwika kuva yakanaka, panogona kunge paine zvikonzero nei kuita imwe kubhadhara kune mukuru wechikoro kungasava nemusoro.
"Dzimwe nguva zvakanaka kuita imwe mari yekubhadhara imba, asi kwete nguva dzose," anodaro Kristi Sullivan weSullivan Financial Planning muDenver, Colorado. “Somuenzaniso, kubhadhara imwe $200 pamwedzi pachikwereti chako kuti udzikise kubva pamakore 30 kusvika kumakore 25 paimba yaungangofungidzira kugara mune mamwe makore mashanu hazvikubatsiri. Iwe unozomisa iyo yekuwedzera kubhadhara pamwedzi uye haufe wakawana bhenefiti yacho ».
Kunyange zvazvo vakawanda vachibvuma kuti kufara kwokurarama usina chikwereti kunosunungura, kunogona kuitwa nenzira dzinopfuura imwe. Saka unoziva sei kana zvine musoro kuti iwe utange kubhadhara imwe principal mwedzi wega wega pachikwereti chako? Izvo zvinoenderana nemamiriro ako emari uye mabatiro aunoita discretionary mari yako.
Bhadhara chikwereti kana kuisa mari 2022
Lindsay VanSomeren inyanzvi yekadhi rechikwereti, yekubhengi, uye kiredhiti ine zvinyorwa zvinopa vaverengi tsvakiridzo yakadzama uye zano rinoshanda rinogona kubatsira vatengi kuita sarudzo dzakangwara pamusoro pezvigadzirwa zvemari. Basa rake rakaratidzwa panzvimbo dzine mukurumbira dzemari dzakadai seForbes Advisor uye Northwestern Mutual.
Doretha Clemons, Ph.D., MBA, PMP, anga ari mukuru weIT uye mudzidzisi kwemakore makumi matatu nemana. Iye adjunct purofesa kuConnecticut State Colleges nemaYunivhesiti, Maryville University, uye Indiana Wesleyan University. Iye anodyara zvivakwa uye director weBruised Reed Housing Real Estate Trust, uye ane rezinesi rekuvandudza imba kubva kuHurumende yeConnecticut.
Saka wazviitira mari shoma. Makorokoto. Zvino iwe unogona kunge uchinetseka kuti ndeipi yakanyanya kushandiswa yaunogona kupa. Kana iwe uri kutoita zvakanaka pazvinangwa zvako zvekukurumidza zvemari, sekuchengetedza njodzi, mubhadharo wemari yembavha inogona kunge iri zano rakanaka.
Kubhadhara chitsama nguva dzose kunokuchengetedza mari pamubereko. Uye, zvichienderana nemaitirwo aunoita, mubhadharo ungapfupisa nguva yaunotora kubhadhara chikwereti chako kana kuderedza huwandu hwekubhadhara kwako pamwedzi.
Zviri nani here kubhadhara rendi kana kuchengetedza mari?
Key takeaway Kana iwe ukaunganidza principal yako yepamwedzi nekubhadhara mubereko kana kufunga biweekly pane kubhadhara pamwedzi, unogona kuchengetedza pamari yemubereko yaunobhadhara pamusoro pehupenyu hwechimbati chako. Nekudaro, iwe unogona zvakare kufunga kana kubhadhara kwakawedzerwa pachikwereti chako ndiko kushandisa kwakanakisa mari yako, pane kubhadhara ine mubereko kadhi rechikwereti kana kuvaka mari yako yekukurumidza.
Mortgages inotangwa kuti ibhadharwe pane imwe nguva yenguva, nemamwe mazwi akajairika ari makore makumi matatu nemakore gumi nemashanu. Kubhadhara kwaunoita mwedzi wega wega hakungoderedzi mukuru wechikoro (mari yawakwereta) asiwo kubhadhara chikwereti. Nekudaro, izvi hazvireve kuti chikwereti chinofanirwa kugara makore makumi matatu. Kana iwe ukatengesa imba yako, iwe unogona kubhadhara chikwereti nemari yekutengeswa. Kana, kana ukafunga kuti unokwanisa kubhadhara mari inopfuura yaunowanzoita mwedzi wega wega mwedzi wega wega, unogona kusarudza kubhadhara zvakawanda pachikwereti chako. Iri zano rinogona kubatsira kuderedza huwandu hwemubereko waunobhadhara nekufamba kwenguva, asi zvakakosha kuti utarise mufananidzo wako wese wezvemari, kusanganisira kuchengetedza kwako kwechimbichimbi, zvikwereti zvevadzidzi, zvikwereti zvemotokari, kana makadhi echikwereti.
Mortgage Amortization vs. Investment Calculator
Kubhadhara chikwereti chako nekukurumidza kunogona kukubatsira kuchengetedza zviuru zvemadhora mubereko. Asi usati watanga kukanda mari yakawanda munzira iyoyo, iwe unozofanirwa kufunga zvishoma zvinhu kuti uone kana iri sarudzo yakangwara.
Pese paunobhadhara chikwereti, chinoparadzaniswa pakati pemukuru uye chimbadzo. Kuwanda kwekubhadhara kunoenda kune mubereko mukati memakore mashoma ekutanga echikwereti. Iwe uchava nechikwereti chiduku sezvaunobhadhara mukuru wechikoro, iyo ndiyo mari yawakakwereta pakutanga. Pakupera kwechikwereti, chikamu chikuru chekubhadhara chinoenda kune mukuru.
Iwe unogona kuisa iyo yekuwedzera mubhadharo zvakananga kune yako yehomwe principal balance. Kuwedzera mari yekubhadhara kukuru kunoderedza huwandu hwemari yauchabhadhara mubereko isati yawedzera. Izvi zvinogona kutora makore kubva pane yako yekutenga imba uye kukuchengetedza zviuru zvemadhora.
Ngatiti iwe unokwereta $150.000 kutenga imba ine 4% mhindu uye makore makumi matatu. Paunobhadhara chikwereti, unenge wabhadhara iyo whopping $30 mubereko. Izvi zviri kuwedzera kune $107.804,26 yawakambokwereta.
