Yadda yin lissafi da sha'awa a kan aro: da dabara. A lissafi na ban sha'awa a kan aro: Example

Kowane fuskantar matsalar rashin kudi domin sayan iyali kayan ko furniture. Mutane da yawa suna zuwa ara biya. Wasu fi son ba ka je abokansu ko kuma danginsu da su kudi matsaloli, da kuma nan da nan a tuntuɓi banki. Musamman cewa offers mai girma yawan aro shirye-shirye da cewa ba ka damar warware matsalar da sayen tsada dukiya a kan m sharuddan.

Mene ne bashi?

Wannan tsarin na huldar cinikaiya, ya tanadar da canja wurin da dukiya daga daya mai zuwa wani for wucin gadi amfani a karkashin yanayi na musamman. A cikin hali na bankuna wannan darajar kudi. Man yana bukatar wani adadin na tattalin arziki ta yi kiyasin da creditworthiness na abokin ciniki da kuma yin shawara. Idan duk abin da yake shi ke nan, bayar da kudi da ya kamata ga wani ajali lokaci. Domin wannan abokin ciniki biya banki sha'awa.

Ba isasshen kudi domin sayan kaya ko bukatar da tsabar kudi? Ya kamata kai da bashi. A low yawan yaushe janyo hankalin abokan ciniki. Saboda haka, m kudi cibiyoyin samar da katunan bashi da kuma tsabar kudi rance a kan m sharuddan. A dabara (lissafi na ban sha'awa a kan aro) zai taimake ku fahimci nawa a banki za su biya domin sabis.

overpayment

A cikin hali na banki bashi a matsayin wata haja kudi yi. Domin da arziki na abokin ciniki sabis dole ne ya biya kudin zuwa da kudi da ma'aikata. Don gane da yadda za a ƙayyade yawan da overpayment, kamata fahimta da wadannan Concepts:

• jiki na aro.
• Hukumar;
• da shekara-shekara amfani kudi.

Yana yana da darajar tsarin na repayments da rance lokaci. Wannan za a tattauna a kasa.

Mene ne jiki na aro?

The adadin da cewa mutumin ya ɗauki wani aro daga wani banki, shi ne jiki na aro. Kamar yadda ka yi biya, wannan adadin da aka rage. Shi ne na jiki na aro accrued amfani da, a mafi yawan lokuta da Hukumar.

Ga wani misali. A abokin ciniki ya bayar da wani rance yarjejeniya a kan May 1 a cikin adadin 20 000 rubles. A watan daga baya, ya sanya da ƙaramar biyan 2,000 rubles. Wannan adadin ya sãka da sha'awa a kan aro shi ya dauki 500 rubles, 1,500 rubles - biya kashe jiki. Saboda haka, shi ya ragu zuwa 18 500 rubles kamar yadda na Yuni 1 jiki na aro. A nan gaba, duk da sha'awa za a caje daidai cewa adadin.

Hukumar

A kashi cewa abokin ciniki biya bankin a kan da sha'awa kudi, shi ne Hukumar. Daban-daban kudi cibiyoyin iya bayar daban-daban, rance sharuddan. Hukumar iya cajin biyu a jiki na aro da adadin cewa abokin ciniki ya aro asali. Kwanan nan, da yawa bankuna waive kwamitocin gaba ɗaya, da kafa kawai shekara-shekara amfani kudi.

Yi la'akari da misalin tsayayyen hukumar 0.5%. A abokin ciniki dauki rance a cikin adadin 10 000 rubles. Monthly fee zai sa up 50 rubles. Formula (lissafi na aro amfani) ne kamar haka: 10 000: 100 X 0.5.

Idan hukumar ba gyarawa, shi ne cajin a kan sauran bashi (jiki na aro). Irin wannan embodiment ne mafi m ga abokin ciniki, tun da adadin amfani ne kullum ragewa. Kamar yadda wani janar mulki, da hukumar da aka caje a kan ma'auni na bashi kamar yadda na karshe kasuwanci ranar watan. Wannan shi ne, idan abokin ciniki ya biya cikakken adadin a kan 28th da karshe ranar da dama a kan 30th, bai biya a hukumar.

Shekara-shekara yawan kudi

A cikin rashi na hukumar a kan aro yarjejeniya da shekara-shekara amfani kudi zai zama dalilin da lissafi na overpayment. A kashi ne ko da yaushe lasafta a kan sauran bashi. The sauri abokin ciniki zai bayar da bashi, da ƙasa da shi zai yi overpay.

Abin da kashi na aro ya unsa? Daban-daban bankunan bayar da nasu sharuddan. Yana yiwuwa ya dauki kudi a wani kudi na 12% zuwa 25%. Next za a bayyana yadda lissafi na aro amfani (dabara). Misali: A abokin ciniki dauki rance a cikin adadin 10 000 rubles. Shekara-shekara kwangila kudi ne 15%. A ranar abokin ciniki zai biya 0,041% (15: 365). Saboda haka, a wata na farko za su biya adadin sha'awa a cikin adadin 123 rubles.

10 000 100 x 0,041 = 4 rubles 10 kopecks - da adadin overpayment a kan rana.

4.1 x 30 = 123 rubles / watan. (Bayar da cewa kwana 30 a wata).

Ka yi la'akari da kara. A abokin ciniki sanya wani farko biyan 500 rubles. karkashin yarjejeniyar da babu hukumar. 123 rubles za a ciyar a kan amfani, 377 rubles - da biya na jiki. saura na bashin zai zama 9623 rubles (10 000 - 377). Wannan shi ne jikin da rance, rance a kan wanda zai ci gaba da ƙara sha'awa.

Ta yaya sauri lissafi da overpayment a kan aro?

Wani mutum wanda shi ne da nisa daga kudi kansu, yana da wuya a gudanar da wani lissafin. Mutane da yawa bankunan bayar da abokan ciniki bashi kalkuleta cewa ba ka damar da sauri lissafi da overpayment da kwangila. All dole ka yi shi ne don shigar a kan yanar cibiyoyin da adadin bashin da kimanta lokaci na shekara-shekara yawan kudi. Bayan 'yan seconds za su iya koyi da adadin da overpayment.

Loan Kalkaleta - wani mataimaki kayan aiki don wajen lissafi da adadin da ake zargin overpayment. Wadannan ba su yin azãbar. overpayment adadin dogara a kan adadin kudaden da za su yi da abokin ciniki, kazalika da rance biya lokaci.

Mene ne tsarin na biya a kan aro?

Akwai biyu zažužžukan na biya. Classic azurta biyan wani bangare na aro da sha'awa kudi. Example: The abokin ciniki ta yanke shawarar daukar wani rance ga wata shekara a cikin adadin 5,000 rubles. A karkashin sharuddan, da shekara-shekara kudi ne 15%. Monthly zai biya aro a cikin adadin jiki 417 rubles (5000: 12). Formula (lissafi na ban sha'awa a kan aro) zai yi kama da wannan:

5000: 100 x 0.041 = 2 rubles 05 kopecks - da adadin overpayment a kan rana.

2.05 x 30 = 61 rubles 50 kopecks (bayar da cewa a cikin watan kwana 30) - adadin da overpayment a cikin wata daya.

417 + 61,5 = 478 rubles 50 kopecks - da m m biyan bashin.

A gargajiya tsarin na biya kowane wata da adadin biya rage-rage matsayin riba cajin a kan ma'auni na bashin.

Annuity biya tsarin samar da rance a daidai installments. Da farko kafa wani tsayayyen adadin da ƙaramar biyan bashin. Kamar yadda mafi yawan kudi a matsayin bashi biya ke zuwa sãka da rance, rance a matsayin riba overpayment an rage.

Ga wani misali. A abokin ciniki yanke shawarar daukar wani rance ga shekaru 10 a cikin adadin 100 000 rubles. A shekara-shekara kudi na 12%. Overpayment 0,033% a kowace rana (12: 365). Formula (lissafi na ban sha'awa a kan aro) zai yi kama da wannan:

100 000: 100 x 0.033 = 33 rubles - da adadin overpayment a kan rana.

33 x 30 = 990 rubles - adadin da overpayment a cikin wata daya.

A m biyan bashin za a iya kafa a cikin adadin 2,000 rubles. A cikin watan farko a biya na aro zai tafi 1,100 rubles, to, wannan adadin zai iya rage.

fenariti

Idan wani banki abokin ciniki ta kasa ta hadu da bashi wajibai, da kudi ma'aikata na da hakkin ya kai hari da wata azãba. Yanayi dole ne aka bayyana a cikin kwangila. A azãba iya gabatar ko dai a matsayin mai dunƙule Naira Miliyan Xari ko a cikin nau'i na amfani rates. Idan kwangila aka shimfiɗa fenariti a cikin adadin $ 100, misali, yawan na gaba m biyan bashin za a lasafta shi ne, ba wuya. Shi ne kawai ya cancanta don ƙara $ 100.

More rikitarwa abubuwa ne, idan fenariti ana bayar da a cikin hanyar amfani rates. Kamar yadda wani janar mulki, da lissafi faruwa a kan tushen da fice adadin ga wani lokaci. Alal misali, abokin ciniki ya yi kafin May 5 m biyan 500 rubles, amma ba su yi. Bisa ga yarjejeniyar, hukumcin shi ne kashi 5% da fice adadin. Lissafi na gaba biyan bashin za a iya za'ayi kamar haka:

500: 100 x 5 = 25 rubles - da adadin kudin.

Har Yuni 5 abokan ciniki bukatar yin 1025 rubles (biyu m biyan 500 rubles da kuma 25 rubles lafiya).

don takaita

Da kansa lissafi da sha'awa a kan aro ne mai sauki. Daya kawai yana zuwa nazarin yanayi na yarjejeniya da amfani da dabarbari aka bayyana a sama. Sauƙaƙe da aiki na musamman, rance calculators, wanda aka gabatar a kan hukuma yanar na kudi cibiyoyin. Yana da daraja ambaton cewa samar kawai nuni lissãfi. Ainihin adadin zai iya bambanta dangane da yawa dalilai kamar da bashi lokaci, da adadin biya, da sauransu. D. Karamin da rance ambatacce, kasa da kuma overpayment.