Kufarira kubhadhara. Yakamisirwa mubereko muripo. Monthly chikwereti mubhadharo

Kana zvichidiwa kuti ape chikwereti, chinhu chokutanga kuti inotiratidza mutengi - iri chimbadzo kana, kupfuura kungoti, ari kubva muzana. Uye pano tiri kazhinji anangana nechisarudzo chakaoma, nekuti mabhanga kazhinji kupa zvakasiyana kwete chete mubereko rates, asiwo yakasiyana nzira nokuripira.

Rates kubhadhara - ndezvipi

Kune mhando dzakawanda uye nzira anokweretesa rates, yakasiyana mumwe. Munhu asina vakazvitsaurira kuna nezvehukorokodzwa mari nemasangano rakanyatsojeka zvakaoma kunzwisisa mubvunzo uyu. Kunyange zvakadaro, pasina ngaaverenge chikwereti muripo uye overpayment, uye sarudza kwazvo kunogamuchirika musiyano pakati mutsividzo hakuna kuoma zvakadaro. Chokwadi, mabhanga akawanda kupa kutora rubatsiro chikwereti karukureta, asi zviri kure kunakidza kuongorora voga.

Kutanga kuziva chii kufarira prices vari wakaiswa kana shanduka. Tsanangudzo yokutanga ndiyo pakutanga nezvaro chibvumirano uye haachinji kusvikira pakuguma kwayo rokuti, uye wechipiri unosanganisira kwenguva nenguva kuchinja chimbadzo zvichienderana siyana zvinokonzera pamusoro.

Kufarira kubhadhara vari dzaona vakazvimiririra shanduka mhando kwakaoma, sezvo zvakafanira kufunga zvakawanda zvinhu, saka achagara kugara chikamu.

pagore negore

Saka akadana zvakafanana pamwedzi mazai anomukweretesa chibvumirano. Ichi chimwe chezvinhu yakakurumbira zvevakomana nzira mutsividzo - nokuti anokwereta zhinji, zviri nyore kuti pamwedzi kubhadhara yakaenzana saizi. Izvi zvinobvumira kuti zvakarurama kuronga mhuri bhajeti, kufungisisa chikwereti pamari yezvikwereti iri kubhadharwa.

Kufarira kubhadhara pagore negore mhando dzinosanganisira zvinoriumba maviri:

• mari kupinda kuripwa mubereko pachavo;
• zvinoreva kuenda kubhadhara chikwereti.

Kwapera nguva, nhamba yenhengo izvi zviri zvishoma nezvishoma kuchinja - rokuti mubereko zvinoderedza, uye mari yakanangana kuzopiwawo pamusoro wechikoro, inowedzera. Zvisinei, The yaipedzerwa muripo, chinoramba kuzochinja.

Nokudaro, pagore negore kubhadhara zvinokonzera zvishoma chikuru kunopindirana overpayment. Izvi zvinodaro nokuti pakutanga chikuru huwandu zvinoderedza zvishoma, uye mubereko akapiwa pamusoro hunoshamisa pachiyero. Naizvozvo, mukuru mugove kufarira vanobhadharwa pakutanga. Uye ipapo chemhosva kuna vakuru chikwereti, riri kunyanya kuoneka kana kuedza prepayment.

muenzaniso kukarukureta

Ngatitorei Somuenzaniso, ngaaverenge pamwedzi mubereko kubhadhara chikwereti chacho ari uwandu 600 zviuru. Rubles kwemakore 3 years pa 24% pa annum. First unofanira kuverenga chimbadzo pamusoro chikwereti ari mwedzi (n) iro wegore chimbadzo yakakamurwa kuwanda kwemwedzi pagore (mugumisiro Chokwadi, kugovera 100, sezvinoita chikamu):

N = 24: 12: 100 = 0.02%

Zvino isu ngaaverenge imwe pagore negore coefficient (A):

A = P X (1 + n) N: ((n + 1) N-1)

P - zvazvingava% pamwedzi (mu hundredths).

N - Nhamba yatinenge vakura (sei mwedzi yakawanda chikwereti chinobviswa).

A = 0.02 X (1 + 0.02) 36: ((1 + 0.02) 36 - 1) = 0.02056

Next, tinoda nzira kuti pakuverenga ari pagore negore mubhadharo:

M = K X A

K - yaipedzerwa chikwereti.

A - pagore negore coefficient.

M = 600,000 X 0.02056 = 12,336 rubles.

Saka, kana uchida kutora mbiri pamusoro aronga ezvinhu, uchabva kubhadhara kwemwedzi 36 kusvika 12 zviuru. 336 p.

yemhando mutsividzo

Pasinei chokwadi kuti iyi, purogiramu vachibhadhara pamusoro chikwereti akatsiga uye yakarurama rokufembera, pamwe Vatengi vakawanda vangada kuzadzisa dzavo wazvipira nokukurumidza sezvinobvira. Zvaizoratidza sokuti rwezvemabhengi masangano vanofanira Zvisinei, kugamuchira kukurumidza mutsividzo chikwereti, nokuti nenzira iyi ngozi default zviri akaderedzwa, mune tsika hazvina kudaro. Kana mangwanani mutsividzo of chikwereti kubhengi anorasikirwa chikamu mari chikwereti, saka haana ose chikwereti chibvumirano anotarisira ichi mukana, saka kuti pfungwa iyi vanofanira kukurukura asati kusaina chibvumirano.

Kushandura pagore negore muripo purogiramu vanofanira kuudza mushandi kwemutongo sangano uye kuti mari zvinopfuura inowanzotorwa muripo. mushandi webhanga pachishandiswa purogiramu mutsva uyu achava kwamuri, zvinokosha kufunga - dzemaitirwe rinoitwa nenzira yakadaro kuti akaderedza yakamisirwa mubereko muripo, uye nhamba yavo icharamba zvakafanana.

Kubatsira pagore negore mubhadharo

Vamwe vangafunga kuti pagore negore muripo mutsividzo zvachose kwete zvinobatsira asi, mune mamwe mamiriro ezvinhu zvingava nani differential. Kunyanya kana uine kubhadhara yechimbadzo chikwereti - kubhadhara zvakarurama nguva refu uye yakawanda uwandu. Advantages vari pachena munyaya iyi:

• kugamuchira chikwereti zvinogoneka kunyange ane mari yakaderera;
• maduku inopfupikisa vakabatsira ne muripo anogona kuderedza mutoro pamusoro mhuri bhajeti;
• pamusoro kwenguva, mukuru Mari chikwereti Runonzwika zvishoma nokuda mitengo achatora mitemo kushanda.

kusiyaniswa mubhadharo

No zvishoma zvakakurumbira Russia uye mutsividzo vanoronga yakadaro pasi iyo kufarira mari zvishoma nezvishoma kuderera vakananga kuguma chikwereti nguva. hurongwa kwakadaro inonzi kusiyaniswa uyewo ine zvikamu zviviri:

• wakasimba - chitsama vachienda chemhosva kuna chikwereti;
• kudzikira - chikwereti mubereko dzakava pamusoro hunoshamisa pachiyero;

Somugumisiro ndechokuti uwandu chikwereti achidzorerwezve pakutanga, riri kuramba huchidzikira, uye nokudaro kuderera uye dzakava kufarira. Saka, rako rendi pamusoro chikwereti pasisina munhu wakaiswa mari uye uchaderedzwa kubva muripo kuti muripo.

It zviripo muchiziva kuti kana ukasarudza chikwereti vanofadza kusiyaniswa kubhadhara, kuti chimbadzo achava yekudyidzana yepamusoro uye, naizvozvo, unofanira kusimbisa pamwedzi mari yakakwana kuti kubhadhara chikwereti.

verenga

Tinopedza zvishoma nguva kuverenga kusiyaniswa kufarira mari. The yemaitiro nokuti pakuverenga pavo nyore.

P = K / N

P - muripo.

K - chitsama chikwereti.

N - inoverengeka.

Uye kuti vazive pauwandu hweavo kushandisa nzira:

O% = X% T / 12

% - uwandu mubereko.

About - vamwe hunoshamisa chikwereti.

D% - wegore chimbadzo.

Kuti tiwane wokupedzisira muripo mari, wedzera zvose pamwe chete. Saka, nokudzokorora Masvomhu izvi nguva vakawanda unogona pachako kuti chikwereti nokuripira purogiramu.

Sei kwete kuita sarudzo isiri

Usati kupedzisa hurongwa, izvo mumwe kusarudza kubhangi kugumisa munhu chikwereti chibvumirano chaikosha zvose zvakafanana kujekesa izvi zvinhu woga:

1. A vanozvidzora tinyatsonzwisisa zvavo pamwedzi mari. Kana kukweretesa ane kusiyaniswa hurongwa mutsividzo kubhengi kuchaita pakusarudza kwako mari uye unoenderana chitsama chokutanga muripo, uye zviri kana ichi chikuru.
2. Ronga mukana wokuti vakurumidze kudzikinurwa - apo pakuverenga ari pagore negore kubhadhara zvine musoro chete pakutanga chemhosva nguva, vakananga kuguma kufarira kare akaripa uye kuchaderedza yaipedzerwa ari overpayment haazobudiriri. Saka kana iwe kuronga kuti kubhadhara chikwereti mberi nguva - zviri nani kuti ape nyika chikwereti mutsividzo ane kusiyaniswa nzira.
3. Nakidzwa zvivanakire nokuripira. Kana mutengi anomukweretesa nezvezvipfuwo zvinodiwa iwe unenge uchida kukurumidza kutaura akaonekana navo kuti chikwereti, asi kusiyaniswa chikwereti mubereko kungava unfeasible.

mhedziso

Saka, ngationei muchidimbu zvakare. Kusiyaniswa nzira dzosera vanofanira kusarudza avo:

• Zvinoita panze chikwereti kwenguva yakareba uye ari kuronga kutora mazakwatira;
• Rine chokwadi pamusoro refu wakatsiga mari nzvimbo, asi panguva processing kuti chikwereti rakanyatsojeka achivimba nemano avo;
• Anoda kurerutsa chitsama overpayment pamusoro chikwereti;
• It anoronga kubhadhara chikwereti nokukurumidza sezvinobvira.

Yakamisirwa mubereko mubhadharo - chisarudzo chakanaka kuti:

• anokwereta vasingakwanisi pakutanga kuti mari yakawanda;
• Vatengi vane pamwedzi mari haibvumiri kukosha kuti kubhadhara chikwereti ane kusiyaniswa nepurogiramu rokutanga;
• vanhu vakasarudza chikwereti zvishoma uye zvishoma;
• vatengi vachitsvaka kuronga bhajeti, kuvimba munhu wakaiswa chitsama chikwereti muripo.

Panongotanga kubhangi anokupa imwe sarudzo ukanyatsoongorora zvose zvaungasarudza, munhu anokudzwa tinyatsonzwisisa nezvaanogona dzavo. Bvunza kubhangi mudonzvo iripo kutsanangurira iwe, sei chichabviswa akaverenga mari ramangwana. Unogonawo enyaya zvose zvavanogona uye ukanyatsoongorora navo dzakadekara pamba, nokuyera zvayakanakira nezvayakaipira. Zvadaro unogona kuva nechokwadi utano wayo mari.