Maxuu Jadwalka Jadwalka Ahaa?
Jadwalka qiimaha wuxuu kaa caawinayaa inaad fahanto sida deyntu u shaqeyso, waxayna kaa caawin kartaa inaad saadaaliso dheelitirkaaga ama dulsaarka aad bixisid wakhti kasta oo mustaqbalka ah.
Macluumaadkani wuxuu kaa caawinayaa inaad qiimayso haddii ay macno u leedahay in la amaahdo, haddii aad tahay inaad bixiso deynta hore, iyo deynkaas ugu yaraan qaali ah.
Muxuu Muujinta Shaxda Iskujira?
Hoos u dhig sida tusaale ahaan sida jadwalka amortization u eegto , ama ku dheji lambarrada xisaabinta amortization-ka ee online-ka ah miiska loo qaabeeyey. Waxaad arki doontaa waxyaabaha hoos ku qoran.
Lacagta bil kasta: jadwalka wuxuu muujinayaa lacag-bixin kasta oo aad sameyso, taas oo macnaheedu yahay lacag-bixinnada bil walba lagaa rabo ayaa lagu daray. Qeyb ka mid ah bixinta, qayb ayaa u soconaya kharashka dulsaarka , inta soo hartayna waxaa loo isticmaali doonaa inay bixiso dheelitirka amaahdaada.
Kharashka dulsaarka: Dulsaarka guud ahaan ayaa lagu soo oogay deyntaada bil kasta. Miisaankaaga baaqiga ah waxaa lagu dhufanayaa heerka dulsaarka bilkasta si loo xisaabiyo lacagta dulsaarka. Gaar ahaan deynta muddada dheer, waxaad arki kartaa in dulsaarka uu cuno inta badan lacag bixinta sanadaha hore.
Dib u bixinta Maamulaha: ka dib markaad qaadato dulsaarka dulsaarka, inta ka hartay lacagtaadu waxay u dhacaysaa inaad bixiso deyntaada.
Waa inaad aragto dheelitirkaaga amaahda amaahda amaahda waqti ka dib markaad u socoto jadwalka amortization.
Dulsaarka isu-urursan: miisaska amarjansiga qaarkood ayaa sidoo kale ka mid ah isku-darka guud ee dulsaaran iyo lacag-bixinta waqti-dheer. Tusaale ahaan, jadwalka amortization wuxuu muujinayaa inta aad ku bixinayso dulsaar kasta oo la bixinayo - laakiin waxa aad rabto inaad ogaato inta ay le'eg tahay qarashka dulsaarka guud ee ka sarreeya sadexda sano ee ugu horreeya (ama ugu dambeeya) deynta?
Haddii miiskaagu uu ku jiro santuukha wax la mid ah "xiiso midaysan," waa sahlan tahay in la ogaado. Haddii kale, waad ka koobi kartaa jadwalka miiska ku dheji karta waraaqo dheeri ah oo ku dar xogta dheeraadka ah.
Lacag dheeraad ah? Jadwalka amortization inta badan ma xisaabtami karo lacag dheeraad ah. Laakiin taasi micnaheedu maaha inaadan bixin karin lacag dheeraad ah - waxaadna xisaabin kartaa faa'iidada lacagtaas. Si aad sidaas u samayso, waxaa laga yaabaa inaad u baahato inaad dhisatid miisaankaaga amortization , laakiin ma aha mid aad u adag sidii uu u dhawaaqayo.
Lacagaha (marka laga reebo xiisaha)? Jadwalka amortization caadi ahaan ma tusaan khidmado dheeraad ah oo aad ku bixin karto deynkaaga. Tusaale ahaan, haddii aad bixiso khidmadaha asalka ama qarashaadka kale ee xirmada si aad u hesho deyn, waxaad u baahan tahay inaad qiimeyso kharashyadaas si gooni ah. Hal siyaabood oo lagu sameeyn karo waa in la eego deynta APR (oo mararka qaar noqon karta marin habaabin ). Lacagaha maaliyadeed ee lagugu soo dallaco dheelitirka amaahdaada, waxaa suurtogal ah in aad dhisto miiskaaga oo aad ku darto qarashaadkaas - fiiri sida loo xisaabiyo Lacagta Kaararka Lacagta iyo Kharashyada .
Go'aan qaadashada
Macluumaadka kor ku xusan, way fududahay in la qiimeeyo fursadaha kala duwan ee amaahda (haddii ay ka yimaadaan kuwa amaahda kala duwan, waxaad go'aansaneysaa inta u dhaxeysa 15 ama 30 amaah aad go'aansato iyo in kale inaad dib u bixiso deyn hore ), iyo go'aan ka gaaraya haddii amaahdaadu aysan wax macno ah sameynin.
Kuwa badankooda badankooda waligood ha eegaan inta ay ku bixinayaan dulsaar - waxay diiradda saaraan kaliya lacag bille ah oo bilkasta ah - taas oo aan sawir weyn ku fadhin.
Noocyada Amaahda
Miisaanka amortization wuxuu u shaqeeyaa ugu fiican deymaha oo leh astaamaha soo socda:
- Waa lacag deyn ah (ama dhammaanba hal mar)
- Waxay leeyihiin dulsaar joogto ah
- Waxay bixiyaan waqti dambe (nidaamka bixinta deynta waxaa loo yaqaan "amortization")
- Bixinta bil kasta waa mid go'an (inaad bixiso isla bishiiba bil kasta)
Tani waxaa ka mid ah lacagta deynta ah , inta badan daymaha dayactirka baabuurta, amaahda shakhsi ahaaneed , amaahda amaahda ee la midka ah.
Noocyada kale ee amaahda - gaar ahaan deynta amaahda iyo dariiqyada amaahda - ayaa aad ugu adag in ay la shaqeeyaan. Tusaale ahaan, kaararka deynta ayaa si gaar ah u dhibsanaya: waxaad ka amaahato wax badan oo aad soo iibsatid (mar kasta oo aad iibsato), oo aad bixisid lacag aan caadi ahayn (waxaad bixin kartaa ugu yaraan, dheelitirka oo dhan, ama wax kasta oo u dhexeeya).
Miisaaniyada la isbedbedlo ayaa sidoo kale caqabad ku ah. Heerka dulsaarka ayaa isbeddelaya marxaladda aan la garanayn mustaqbalka, sidaas darteed way adagtahay in la sameeyo xisaabinta amarjansiga (haddii aanad saadaalin karin mustaqbalka).
Tusaalaha Miisaanka Qaybinta
Ka qaad inaad ku amaahato $ 100,000 6% ilaa 30 sano si aad u bixiso bil kasta. Sidee buu u egyahay jadwalkaaga amarjansiga? Hoos waxaad ka arki doontaa 12 xariiq ee ugu horeeya (faahfaahinta sanadka ugu horeeya ee lacagaha) ka dibna waxay u dhex mari kartaa dhamaadka deynta.
| Bisha | Laga bilaabo Balance | Bixinta Bixinta | Maamulaha | Dulsaarka | Dhammaadka Balansiinta | Wadarta Dulsaarka |
| 1 | 100,000.00 | 599.55 | 99.55 | 500.00 | 99,900.45 | 500.00 |
| 2 | 99,900.45 | 599.55 | 100.05 | 499.50 | 99,800.40 | 999.50 |
| 3 | 99,800.40 | 599.55 | 100.55 | 499.00 | 99,699.85 | 1,498.50 |
| 4 | 99,699.85 | 599.55 | 101.05 | 498.50 | 99,598.80 | 1,997.00 |
| 5 | 99,598.80 | 599.55 | 101.56 | 497.99 | 99,497.24 | 2,495.00 |
| 6 | 99,497.24 | 599.55 | 102.06 | 497.49 | 99,395.18 | 2,992.48 |
| 7 | 99,395.18 | 599.55 | 102.57 | 496.98 | 99,292.61 | 3,489.46 |
| 8 | 99,292.61 | 599.55 | 103.09 | 496.46 | 99,189.52 | 3,985.92 |
| 9 | 99,189.52 | 599.55 | 103.60 | 495.95 | 99,085.92 | 4,481.87 |
| 10 | 99,085.92 | 599.55 | 104.12 | 495.43 | 98,981.79 | 4,977.30 |
| 11 | 98,981.79 | 599.55 | 104.64 | 494.91 | 98,877.15 | 5,472.21 |
| 12 | 98,877.15 | 599.55 | 105.16 | 494.39 | 98,771.99 | 5,966.59 |
| ... | ... | ... | ... | ... | ... | ... |
| 354 | 4,114.16 | 599.55 | 578.98 | 20.57 | 3,535.18 | 115,776.07 |
| 355 | 3,535.18 | 599.55 | 581.87 | 17.68 | 2,953.31 | 115,793.74 |
| 356 | 2,953.31 | 599.55 | 584.78 | 14.77 | 2,368.52 | 115,808.51 |
| 357 | 2,368.52 | 599.55 | 587.71 | 11.84 | 1,780.81 | 115,820.35 |
| 358 | 1,780.81 | 599.55 | 590.65 | 8.90 | 1,190.17 | 115,829.26 |
| 359 | 1,190.17 | 599.55 | 593.60 | 5.95 | 596.57 | 115,835.21 |
| 360 | 596.57 | 599.55 | 593.58 | 2.98 | - | 115,838.19 |