Nzira Yokuverenga Nhamba Yechidimbu

Izwi rokuti "com" muchikamu rinorevawo zvishoma kuti "com" yakanyatsonyorerwa. Chikwata chinowanikwa chibereko chibereko chiri kutarirwa kwete chete kumutungamiriri wepakutanga asiwo kufarira pamusoro pezvakawanda zvinowanikwa. Sezvo mutengesi weimba yekushanda achiita nekutengesa zvivako zvekumba, kana chikwata chekufarira chiitiko, zvinokosha kuti iwe uzive kuverenga chidimbu chechidimbu. Zvechokwadi, izvi zviri nyore neine chido chekuwedzera chikwata, asi hapana chinotsiva pane zvishoma kuziva zvivako uye nemigumisiro yekuwedzera.

• Dambudziko: Nyore
• Nguva Yakakodzera: Maminitsi 10

Heinoi Sei

1. Kushandisa nguva isina kuiswa nzira yekutsvaga: Ngatitarisei $ 100,000 muhomwe mukuru ne 6% inotora mutengo, inowanikwa gore negore kwemakore matatu.

   Gore 1

   $ 100,000 X .06 kwegore rimwe iri $ 6000 kufarira.

   Gore 2

   Iye zvino tine $ 106,000 X .06 yegore rechipiri ndeye $ 6360 chido.

   Gore 3

   Kutanga ne $ 112,360 yakawanikwa X .06 = $ 6742 chido.

   Pakupera kwegore 3 tine $ 119,102. Sezvaunogona kuona, chikwata chinowanikwa chaicho chinoita kuti zvive nyore kufarira kudzoka.

2. Sematematical formula: Iyi ndiyo nzira yakarurama, asi zvishoma zvishoma sezvatinoda kuwedzera nhamba nesimba.

   Principal X (1 + Periodic Rate) ^ Nhamba Yenguva = Nguva Yemberi

   $ 100,000 X (1 + .06) ^ 3 = Ramangwana Mari

   $ 100,000 X (1.06 x 1.06 x 1.06) = Ramangwana Mari

   $ 100,000 X 1.19 = $ 119,100 yakavharwa.

3. Iwe uri mubhadhadzi wezvivakwa here? Tora Real Real Financial Calculator Zvishandiso & Spreadsheet pano .

Tip

1. Vashanyi vakawana nyaya ino inobatsira vari kuverengawo nezvekuverenga mari yepamusoro .

Zvaunoda

• Kungoita peniki kana kufarira kuverenga.

Kuwana Pane Chimwe Chigumo Chekufarira

Iyi nhaurirano yave iri pamusoro pekubhadhara chido, mari yako yekushandisa mari yomumwe munhu. Icho chinhu chakakosha chekushandisa, kunyanya mari yekutengesa.

Chimwe chezvinhu zvikuru pane zvekugadziriswa kwezvivako ndezvekuti pane nzira dzakawanda dzekushandisa mari uye kuita phindu.

Iwe unogona kutenga zvikwereti. Kana iwe ukatarisa mazviri, iwe ungangodaro unoshamisika kuti misha yakawanda inotengeswa gore rega rega nemuridzi mari. Vakawanda vachava vekutanga mari, asi vamwe vachave mashoma. Icho chikonzero ndechekuti idzi hazvirevi matanho anotorwa nemabhangi, asi ivo ndivo vanhu vakatengesa imba yavo uye vanobhadhara mari kune mutengi wega kana chikamu.

Sei vaizoita izvi? Iyo inogona kunge iri nzira chete iyo yaigona kuwana mutengi aida ainge asina pfuma mumusha. Iko kunewo mitero yemitero mukudzivisa kana kunonoka mari inowanikwa mubhadharo nekubhadhara imba yemutengi.

Saka, isu tine vose vatapi vemapurisa vakambopfuura kunze uko vakatengesa misha yavo uye vanotora chikwereti panzvimbo yemari. Pane imwe nguva vangave vakaneta nekuunganidza mari, kana kuti zvichida vanofanira kubhadhara kune zvimwe zvikonzero, zvakadai semari yekurapa. Pfungwa ndeyokuti vanoda kana kuti vanoda kuwana mari kubva mune zvinyorwa zvavo panzvimbo yekuenderera mberi kutora chikwereti chekubhadhara mari.

Mumwe mutengesi anokwanisa kutora chinyorwa, icho chinoita kuti vave mortgagor ari kuunganidza kubhadhara nemari pamutengo wemwedzi unobhadhara mari.

Ichokwadi kuti muzviitiko zvakawanda pachava nekuderedzwa kunoshandiswa, uye kazhinji kacho kunowanikwa pane zvinodiwa zvechirwere zvinoenzaniswa nehuwandu hwehuwandu.

Kana ivo vatengesi vaigona kuwana mukana wakanaka pane imwe nzvimbo, vaizoitora. Saka, kana zvikwereti zvekutengesa zvichitsvaga 5%, kana chikwangwani chiri pa 4%, mutengesi aizozvitenga pane zvisingabatsirwi mashematically zvakaverengwa zvichienderana nehurefu hwetsamba. Sezvo zvikwereti zvakachengetedzwa zvakanyanya kudarika mamwe marudzi ehukwereti, pane zvakawanda zvekutsvaga chikwata chinoenderera mberi. Pane zvakawanda kune iyo, saka chiongorora chako.