Amortization iyo Interest-Only Periods
Inta lagu jiro xiisaha-keliya, ma jirto wax amortization ah . Amortization waxay dhacdaa marka kuwa amaahda bixiya ay bixiyaan deyn waqti ka badan oo leh lacago isku mid ah waqtiyada caadiga ah, badanaa bishiiba. Markasta oo uu qofku amaahdu bixinayo lacag, wuxuu isku dayayaa kharashka dulsaarka (habka amaahda amaahda ) ama deynka, ama maamulaha. Tani ma aha kiiska inta lagu jiro mudada xiisaha leh.
Nidaamka Amaahda Marka Meesha Dulsaarka-Wakhti Kala Qaado
Xilliyada xiisaha-kaliya ayaa laga heli karaa lacagta deynta ah ee deynta ah iyo lacagta raasumaalka lagu hagaajin karo (ARMs). Da'yarta ama culimada qaata amaahda ardaydu waxay sidoo kale la kulmaan mudo dulsaar ah, gaar ahaan kuwa ku amaahda lacag badan si ay ugu bixiyaan waxbarashada.
Khubarada qaar ayaa sheegaya in ardayda ka door bidaan muddooyinka xiisaha leh ee deymaha inta ay ku jiraan iskuulku ku badbaadinayaan lacagta oo ay ku heli karaan caado wanaagsan oo ah inay bixiyaan deynta caadiga ah, hoos u dhigista khatarta ah inay iloobaan inay bixiyaan lacagta marka muddada fasaxa ardaygu dhamaado .
Xilliga dulsaaraadka ah wuxuu socon karaa seddex ilaa 20 sano. Deymana qaar ayaa doorbida amaahda muddada xiisaha leh, sababtoo ah waxay u oggolaaneysaa inay sameeyaan lacagaha hore u bixiya ee ka yaryahay lacagtooda dambe. Doorashadani waxay noqon kartaa mid soo jiidasho leh dadka dhalinyarada ah oo bilaabaya cidda aan awoodin in ay bixiyaan lacago badan oo ku saabsan mihnaddooda laakiin waxay filanayaan in ay si dhaqaale ahaan ugu xasilaan mustaqbalka, iyaga oo awood u siinaya inay sameeyaan lacago ka sareeya nolosha dambe.
Dabcan, way adagtahay in la saadaaliyo waxa noloshu ku jirto dukaanka, dad badanna ma heystaan xirfadda ama guusha dhaqaale ee ay filayaan. Dhimashada lamaanaha, dhibaatooyinka caafimaad ama shaqo-joojinta ayaa dhammaantood ka dhigi kara culeys dheeraad ah si ay u sameeyaan lacag dheeraad ah muddada deynta. Sidaa awgeed, haddii aad awoodi kartid inaad bixiso lacag dheeraad ah waqtigan, maahan in caqli-gal ah in laga dhigo bixinta lacag-bixinta hadda.
Haddii aad weli ku soo jiidato fikradda amaahda leh muddooyinka xiisaha leh, ogsoonow inaad ka mid tahay lacagaha aasaasiga ah ee bixinta lacag kasta. Haddii kale, waa inaad dib u bixisaa amaahda (taas oo dhici karta iyada oo loo marayo dib u maalgelinta). Haddii aad xiiseyneyso inaad dib u maalgeliso deynkaaga , waa in aad hore u barato asaasiga asaasiga ah, oo ay ku jirto khatarta suurtogalka ah, sida inaad dib u bixiso deynta gurigaaga.
Khatarta Wakhti Xiiso-Wakhti Xaadhan
Xilliyada xiisaha badan ayaa sii kordhiya khatarta "shoogga lacag bixinta," halkaasoo looga baahan yahay lacagaha si aad ah ugu boodaya heerarka aadan awoodin. Muddada aad sugeyso, lacagta weyn ee lagaa rabo waxay noqoneysaa markaad ku celiso maamulaha. Iyadoo maskaxda lagu hayo, waxaa laga yaabaa in ay ka fiicnaan laheyd muddada xiisaha-yar yar.