Bhizimisi Varidzi Vanofanira Kuziva Maitiro ekukomborera Mari
Purogiramu yeAmori ndiyo tafura yakazara ye periodic yakabhadhara chikwereti chekubhadhara chikwereti, kuratidza muwandu wezvokutanga uye chiyero chekufarira chinosanganisira chikwereti chimwe nechimwe kuitira kuti chikwereti chizobhadhara pamagumo ekupedzisira.
Apo imwe neimwe yebhadharo ye periodic yakafanana, apo iwe uchitanga kubhadhara, chikamu chikuru chebhadharo rimwe nerimwe nguva inofarira. Ikoji yebhadharo imwe neimwe iyo inotarisa kunoterera inoderera kwechinguva uye peresenti inotarisana neyokuwedzera kuwedzera. Gare gare mune purogiramu, ruzhinji rwebhadharo imwe neimwe yeperio inotungamirira. Mhedziso yekupedzisira yeAmoritization Purogiramu inoratidza chikwereti chaicho chikwereti uye zvikwereti zvakakosha zvezera rose rechikwereti. Iyi chikwereti inonzi yakabhadharwa kana ichibhadharwa muzvikamu zvakaenzana pamusoro pemazuva ayo kana upenyu.
Purogiramu yekubhadhara, kune rumwe rutivi, yakasiyana chaizvo. Purogiramu yekubhadhara ikarende, inoratidza chete kana zvikwereti zvinokweretwa zvakakodzera. Inoratidza zuva rekubhadhara kwako nemari yekubhadhara, asi haibvumi kuti mari yako yakawanda inowanikwa kune chido kana kuti yakawanda inoshandiswa sei kune yako mukuru.
Kuverenga Mahedheni ekuAmerica
Kunyange zvazvo pane zvakawanda zvekushandisa muIndaneti yekuverenga purogiramu yekuita basa, iwe unofanirwa kuziva nekukwanisa kupedzisa kuverenga manyore.
Pasi pane purogiramu yekugadzirisa mari yechikwereti chemabhizimisi zvemadhora makumi maviri nemazana makumi maviri (9%) akataurira, kana kuti mazita ekuda kwechirongwa nemakore mashanu emakore. Mari yechikwereti inorongerwa kubhadharwa pamari yakaringana gore negore pamusoro pemakore mashanu emakore. Heino tsanangudzo yekuti ungaverenga sei nhamba mumutsara wega wega:
Chikamu 1: Izvi zvinongova gore iro chikwereti icho chakanaka.
Chikamu 2: Ichi ndicho chikamu chekutanga chekwereti ye $ 20,000. Iwe unogona kuona kuti chikamu ichocho chinoderedzwa gore rega rega nechiyero ichocho chemukuru wechipiri anokweretwa pachikwereti. Mutungamiri ndiye anofanira kubhadharwa muzvikamu zvegore negore zvinokwana izvo zvingaita kuti zvikwereti zvinokwana $ 4,000 pagore kwemakore mashanu emutengo wechikwereti.
Chikamu 3: Mutengo wekubhadhara unotarirwa: Inhare Inobhadharwa + Mukuru Inobhadharwa
Chikamu chechina: Mitsara inofanirwa inofanirwa inotarirwa seinotevera: Kutanga Balance X .09
Chikamu chechipiri: Kubhadhara kukuru kunowanikwa zvakaenzana gore negore sezvinotsanangurwa nemutengi
Chikamu 6: Kupedza Kuenzanisa nenguva imwe neimwe = Kutanga Kusarudzwa - Kukurukurwa Kubhadhara
Kubhadhara muAmerica Purogiramu yeBusiness Bank Loan
| GORE | Kutanga BALANCE | TOTAL KUDZIDZA | BASA RAKAPA | PRINCIPAL PAID | KUPEDZA BALANCE |
| 1 | $ 20,000 | $ 5,800 | $ 1,800 | $ 4,000 | $ 16,000 |
| 2 | 16,000 | 5,440 | 1,440 | 4,000 | 12,000 |
| 3 | 12,000 | 5,080 | 1,080 | 4,000 | 8,000 |
| 4 | 8,000 | 4,720 | 720 | 4,000 | 4,000 |
| 5 | 4,000 | 4,360 | 360 | 4,000 | 0 |
Kuita maererano neChirongwa cheVaAmori
Purogiramu yeAmori ichakutaurira chaizvo kuti iwe unofarira kubhadhara chikwereti chei chikwereti. Zvisinei, kana kubuda kwemari kunofadza iwe unogona kuva nechipo chekubhadhara chikwereti kubva kare nekubhadhara zvakakwana, kana kuti kunyatsogadziridza zvikwereti uye kuchengetedza zvimwe zvechido kana mupepeti achida kushandisa mubhadharo kune mukuru.
Verenga magwaro ako echikwereti zvakanyatsonaka kuti unzwisise urongwa uhwu, uye kana pane zvipiro zvekubhadhara mari kana mari inokwidzwa nemunhu anokweretesa kuti ave neropafadzo yekubhadhara chikwereti pasi kare.