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Kukho iinkcazo ezimbini jikelele ze-amortization. Eyokuqala yintlawulo yokuhlawula imali-mboleko ngokuhamba kwexesha. Eyesibini isetyenziswe kumxholo wokubalwa kweshishini kwaye sisenzo sokusasaza iindleko zento ehlala ixesha elide, ebiza kakhulu ngamaxesha amaninzi. Zombini zichazwe ngokweenkcukacha ngakumbi kula macandelo alandelayo.
Xa umboleki ethatha imali-mboleko, imali-mboleko yemoto, okanye imali-mboleko yomntu, ngokuqhelekileyo benza iintlawulo zenyanga kumbolekisi; Ezi zezinye zezona ndlela ziqhelekileyo zokusetyenziswa kwe-amortization. Inxalenye yentlawulo igubungela inzala kwimali-mboleko, kwaye enye ibhekisa ekunciphiseni isixa-mali esiyityala. Inzala ibalwa kwisixa-mali esihlawulwayo ngoku kwaye, ke ngoko, iya kuncitshiswa ngokuqhubekayo njengoko inqununu isihla. Ungakubona oku kwintshukumo kwitheyibhile ye-amortization.
Izicwangciso ze-amortization ezisisiseko azithatheli ngqalelo iintlawulo ezongezelelweyo, kodwa oku akuthethi ukuba ababoleki abanako ukuhlawula ngaphezulu kwiimali-mboleko zabo. Ukongeza, izicwangciso ze-amortization azidli ngokuthathela ingqalelo iikomishini. Izicwangciso ze-amortization zisebenza kuphela kwiimali-mboleko zomlinganiselo omiselweyo kwaye hayi kwiimali-mboleko ezilungelelanisiweyo, iimali-mboleko ezilungelelanisiweyo, okanye imigca yetyala.
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I-Amortization ligama ekusenokwenzeka ukuba ulivile amaxesha ambalwa, kodwa kunzima kancinci ukulichaza. Ukwenza nzima ngakumbi imicimbi, inentsingiselo engaphezulu kwesinye ngokwemali. Nangona kunjalo, kubalulekile ukuba uqonde ukuba ukuhla kwexabiso kukuchaphazela njani iirhafu zeshishini lakho ukuze ukwazi ukuthatha inzuzo yokutsalwa kweendleko zokuhla. Ukufunda ngokuhla kwexabiso kunokukunceda uchonge ukutsalwa kwexabiso obungalwazi, ngoko ke umnini-shishini ngamnye kufuneka aqonde ubuncinci iziseko. Ke yintoni i-amortization?
Inyanga nganye, intlawulo yakho ye-mortgage iya kwinzala kunye nenqununu. Ekuqaleni, isahlulo senzala sikhulu kakhulu kunenqununu. Nangona kunjalo, ekuhambeni kwexesha oku kuyatshintshwa kwaye inqununu iqalisa ukwenza uninzi lwentlawulo. Uninzi lwamatyala aneshedyuli ye-amortization yeminyaka engama-30. Nangona kunjalo, iimali mboleko zexesha elifutshane zivumela ababoleki ukuba bahlawule imali mboleko yabo ngokukhawuleza.
Iintlawulo mboleko ezizenzekelayo zibandakanya inzala kunye nenqununu. Uninzi lwemali mboleko yemoto inexesha leenyanga ezingama-36 ukuya kwezingama-60. Nje ukuba inzala kunye nemali eyinkunzi ihlawulwe, isithuthi siba yipropati yakho kwaye imali-mboleko ibuyiselwe ngokupheleleyo.
I-Amortization vs. Ukuhla kwexabiso
I-Amortization ligama ekusenokwenzeka ukuba ulivile amaxesha ambalwa, kodwa kunzima ukulichaza. Ukwenza nzima ngakumbi imicimbi, inentsingiselo engaphezulu kwesinye ngokwemali. Nangona kunjalo, kubalulekile ukuba uqonde ukuba ukuhla kwexabiso kukuchaphazela njani iirhafu zeshishini lakho ukuze ukwazi ukuthatha inzuzo yokutsalwa kweendleko zokuhla. Ukufunda ngokuhla kwexabiso kunokukunceda ukuba uchonge ukutsalwa kwexabiso obungalwazi, ngoko ke umnini-shishini ngamnye kufuneka aqonde iziseko. Ke yintoni i-amortization?
Inyanga nganye, intlawulo yakho ye-mortgage iya kwinzala kunye nenqununu. Ekuqaleni, isahlulo senzala sikhulu kakhulu kunenqununu. Nangona kunjalo, ekuhambeni kwexesha oku kuyatshintshwa kwaye inqununu iqalisa ukwenza uninzi lwentlawulo. Uninzi lwamatyala aneshedyuli ye-amortization yeminyaka engama-30. Nangona kunjalo, iimali mboleko zexesha elifutshane zivumela ababoleki ukuba bahlawule imali mboleko yabo ngokukhawuleza.
Iintlawulo mboleko ezizenzekelayo zibandakanya inzala kunye nenqununu. Uninzi lwemali mboleko yemoto inexesha leenyanga ezingama-36 ukuya kwezingama-60. Nje ukuba inzala kunye nemali eyinkunzi ihlawulwe, isithuthi siba yipropati yakho kwaye imali-mboleko ibuyiselwe ngokupheleleyo.
Intsingiselo ye-amortization
Ukuhlawula amatyala emali-mboleko yinkqubo yokucwangcisa imali-mboleko yomlinganiselo omiselweyo kwiintlawulo ezilinganayo. Inxalenye yesavenge ngasinye ihlawula inzala kwaye enye iya kwinqununu yemali-mboleko. Eyona ndlela ilula yokubala intlawulo yemali mboleko kukusebenzisa isixhobo sokubala se-amortization okanye ithempleyithi yetafile. Nangona kunjalo, ungabala ubuncinci beentlawulo ngesandla usebenzisa nje imali-mboleko, izinga lenzala, kunye nexesha lemali-mboleko.
Iitheyibhile ze-amortization zisetyenziswa ngababolekisi ukubala iintlawulo zenyanga kunye nokushwankathela iinkcukacha zembuyekezo yemali-mboleko kubaboleki. Noko ke, iitheyibhile zokuhlawula amatyala zikwavumela ababoleki ukuba bagqibe ukuba lingakanani na ityala abanako ukulihlawula, bahlole ukuba lingakanani na abanokulondoloza ngokwenza iintlawulo ezongezelelweyo, baze babale inzala yonyaka iyonke ngeenjongo zerhafu.
Imali-mboleko ehlawulelwayo luhlobo lwenkxaso-mali ehlawulwa ngexesha elimiselweyo. Kulo hlobo lwesakhiwo se-amortization, umboleki wenza intlawulo efanayo kulo lonke ixesha lokubolekwa imali, ekwabela inxalenye yokuqala yentlawulo kwinzala kunye nenye enye kwinqununu eseleyo yemboleko. Kwintlawulo nganye, inxalenye enkulu yabelwe inkunzi kunye nenxalenye encinci kwinzala de imali-mboleko ihlawulwe.
