Ishedyuli ye-amortization
Eli nqaku libhalwe nguJill Newman, CPA. UJill Newman yi-Certified Public Accountant (CPA) e-Ohio uneminyaka engaphezu kwama-20 yamava e-accounting. Unamava njengomgcini-zincwadi kwiifemu zikawonke-wonke, imibutho engajonganga ngeniso namaziko emfundo, kwaye ukwaphucule izakhono zakhe zokunxibelelana ngesidanga semasters kwisiNgesi, izabelo zokubhala kunye nokuba ngutitshala. Wafumana isidanga sakhe se-CPA kwiBhodi ye-Ohio yoCwangciso-mali ngo-1994 kwaye unesidanga se-bachelor kuLawulo lweShishini/i-Akhawuntingi.
I-Amortization ibhekisa ekuthotyweni kwetyala ekuhambeni kwexesha ngokuhlawula isixa esifanayo kwixesha ngalinye, rhoqo ngenyanga. Nge-amortization, imali yentlawulo ibandakanya ukuhlawulwa kwenqununu kunye nenzala kwityala. Inqununu yintsalela yemali-mboleko engekahlawulwa. Njengoko kuhlawulwa inqununu eninzi, kufuneka kuhlawulwe inzala encinane kwibhalansi yenqununu. Ngokuhamba kwexesha, isahlulo senzala yentlawulo yenyanga nganye siyehla kwaye inxalenye yentlawulo yentlawulo iyanda. I-Amortization ixhaphake kakhulu kuluntu ngokubanzi xa kufikwa kwi-mortgage okanye imali-mboleko yemoto, kodwa (kwi-accounting) inokubhekisa kwakhona ekuthotyweni kwexesha lexabiso layo nayiphi na i-asethi engaphathekiyo ekuhambeni kwexesha.
Intsingiselo ye-amortization
UJustin Pritchard, uCFP, ungumcebisi wentlawulo kunye neengcali ngezemali. Ibandakanya iibhanki, iimali-mboleko, utyalo-mali, imali yokubambisa kunye nokunye okuninzi kwiBalance. Une-MBA evela kwiYunivesithi yaseColorado kwaye usebenze kwiimanyano zamatyala kunye neefemu ezinkulu zemali, kunye nokubhala malunga nezezimali zomntu ngaphezu kweminyaka engamashumi amabini.
UCierra Murry yingcaphephe kwiibhanki, amakhadi etyala, utyalo-mali, imali mboleko, imali yokubambisa kunye nezindlu. Ungumcebisi webhanki, i-arhente yokutyikitya imali kunye nomlamli oneminyaka engaphezu kwe-15 yamava kuhlalutyo lwemali, ukubhala phantsi, amaxwebhu emboleko, uphononongo lwemali-mboleko, ukuthotyelwa kwebhanki kunye nolawulo lomngcipheko wetyala.
I-Amortization yindlela iintlawulo zemboleko ezisetyenziswa ngayo kwiintlobo ezithile zeemali-mboleko. Ngokwesiqhelo, intlawulo yenyanga ihlala ifana kwaye yahlulahlulwe phakathi kweendleko zenzala (into efunyanwa ngumbolekisi ngemali-mboleko), ukucuthwa kwebhalansi yemali-mboleko (ekwaziwa ngokuba “yintlawulo yemali-mboleko”), kunye nezinye iindleko. njengerhafu yepropathi. .
Intlawulo yokugqibela yemali-mboleko iya kuhlawula isixa-mali esiseleyo setyala. Ngokomzekelo, emva kweminyaka engama-30 (okanye iintlawulo zenyanga ezingama-360), uya kuhlawula imali-mboleko yeminyaka engama-30. Iitheyibhile ze-amortization zikunceda uqonde indlela esebenza ngayo imali-mboleko kwaye zinokukunceda uqikelele ibhalansi yakho eseleyo okanye ixabiso lenzala nangaliphi na ixesha kwixesha elizayo.
I-Amortization Umzekelo Iingxaki ngeSombululo
Umbono osisiseko we-mortgage amortization ilula: Uqala ngebhalansi yemali-mboleko kwaye uyibuyisele ngezavenge ezilinganayo ekuhambeni kwexesha. Kodwa ukuba ujonga ngokusondeleyo kwintlawulo nganye, uya kubona ukuba uhlawula inqununu kunye nenzala kwimali mboleko ngexabiso elahlukileyo.
“Imali-mboleko yinkqubo yokubala iintlawulo ezihlawulela isixa-mali semali-mboleko,” ucacise watsho uRobert Johnson, unjingalwazi wezemali kwiYunivesithi yaseCreighton kwiSikolo soShishino seHeider.
Ukuba une-mortgage yezinga elimiselweyo, njengabanini-zindlu abaninzi, iintlawulo zakho zenyanga zindlu zihlala zifana. Kodwa ukwahlulwa kwentlawulo nganye - yimalini eya kwinqununu yemali mboleko xa kuthelekiswa nenzala - iyatshintsha ngokuhamba kwexesha.
Olu tshintsho (ukusuka ikakhulu kwinzala ukuya ikakhulu kwinqununu) luchaphazela kuphela ukucazululwa kweentlawulo zakho zenyanga. Ukuba une-mortgage emiselweyo, imali oyihlawula ngenyanga nganye kwinqununu kunye nenzala iya kuhlala ifana.
Ukucazululwa kweentlawulo kubaluleke kakhulu kuba kumisela ukuba izabelo zamakhaya zakha ngokukhawuleza kangakanani. Kwelinye icala, ixabiso eliseleyo lichaphazela amandla akho okufumana imali kwakhona, ukuhlawula ikhaya lakho kwangoko, okanye ukuboleka imali mboleko yesibini.
Umzekelo wesicwangciso sokuhlawula amatyala
Eli nqaku libhalwe nguJill Newman, CPA. UJill Newman yi-Certified Public Accountant (CPA) e-Ohio uneminyaka engaphezu kwama-20 yamava e-accounting. Unamava okusebenza njengomgcini-zincwadi kwiifemu zikawonke-wonke, imibutho engenzi ngeniso, kunye namaziko emfundo, kwaye uye waphucula izakhono zakhe zokunxibelelana ngesidanga semasters kwisiNgesi, izabelo zokubhala kunye nokufundisa. Wafumana isidanga sakhe se-CPA kwiBhodi ye-Ohio yoCwangciso-mali ngo-1994 kwaye unesidanga se-bachelor kuLawulo lweShishini/i-Akhawuntingi.
I-Amortization ibhekisa ekuthotyweni kwetyala ekuhambeni kwexesha ngokuhlawula isixa esifanayo kwixesha ngalinye, rhoqo ngenyanga. Nge-amortization, imali yentlawulo ibandakanya ukuhlawulwa kwenqununu kunye nenzala kwityala. Inqununu yintsalela yemali-mboleko engekahlawulwa. Njengoko kuhlawulwa inqununu eninzi, kufuneka kuhlawulwe inzala encinane kwibhalansi yenqununu. Ngokuhamba kwexesha, isahlulo senzala yentlawulo yenyanga nganye siyehla kwaye inxalenye yentlawulo yentlawulo iyanda. I-Amortization ixhaphake kakhulu kuluntu ngokubanzi xa kufikwa kwi-mortgage okanye imali-mboleko yemoto, kodwa (kwi-accounting) inokubhekisa kwakhona ekuthotyweni kwexesha lexabiso layo nayiphi na i-asethi engaphathekiyo ekuhambeni kwexesha.
