Annuity ndiyo mari yatinosangana nayo kwose kwose

Nhasi, vazhinji vanoziva nezvekubhadharwa kwemakore nekuda kwekupararira kwakawanda kweyi nzira yekubhadhara kwezvisungo zvemari. Zvisinei, gore rinenge risati riri nguva yebhangi chete. Izvo zvinoitika mumatanho akasiyana-siyana - kubva kuinishuwarenzi kusvika kunepenjeni, umo inoshandiswa kuronga nguva dzose kubhadhara / kubhadhara. Pakutanga, izwi iri rinoreva periodicity gore negore (kubva muchiLatin "annuus" - "gore negore"). Zvisinei, mukushandurwa kwemazuva ano, miganhu yakajeka inoshambidzwa, uye annuity chero nguva inowirirana yakaenzana (zuva nezuva, mwedzi, roga roga, nezvimwewo). Izvo zvinhu zviviri zvakakosha zvekubhadhara kworudzi urwu ndeye periodicity uye kusapindika kwemari yakabhadharwa.

Zvisinei, hazvisi zvose zvinokonzerwa ne annuity zvinogara zvichikosha. Tora somuenzaniso chibvumirano chakagadzwa nebhangi. Saka, kana chikwereti chibudiswa, akakwereta anotora kubhadhara chikwereti nguva dzose (sekutonga, pamwedzi) imwe mari yakawanda (annuity payments) kubhadhara chikwereti. Muchiitiko ichi, chikamu ichi chinosanganisira zvose chikamu chemutengo mukuru wekwereti, uyewo kufarira kushandiswa kwayo. Zvinoshanduka munguva. Pakutanga (kusvikira pakati pekwereti yekwereti), chikwereti chekubhadhara chinodarika chikamu chikuru chekubhadhara, ipapo (mushure mekunge pakati pekwereti yekwereti), mamiriro acho ezvinhu anochinja zvakanyanya, uye akawanda e annuity anenge atokwereta chikwereti.

Ko annuity calculation inoshanda sei munyaya iyi? Kuti uwane tsananguro inonzwisisika, ngatitei muenzaniso. Ngatifungei kuti chibvumirano chechikwereti chakapedzwa nemamiriro ezvinhu anotevera: nguva yezvikwereti ndeyegore (kubva Kubvumbi 28, 2013 kusvikaNovember 28, 2014); Chido chekuda - 20% pagore; Nhamba yemari yacho (mukuru) ndiyo 150 000 rubles. Isu tinofarira kuwanda kwemari yekubhadhara pamwedzi (annuity) nekubhadhara mari kune chikwereti (mutengo wemari yakakwereta). Mari yekubhadhara inofanira kuitwa musi waDecember 28 (uye mwedzi wega wega unozotevera) inorongwa maererano neshoko:

PA _post = R * (1 - (1 + i) ^{- n} ) / i, kupi

PA _mushure - chikamu chemari yacho (kana kukosha kwezvino kwe annuity, 150 000 rubles);

R - mutengo webhadharo yemwedzi;

Ini-mwedzi wepabhadharo yemari (20% / 12 = 1.67);

N - nhamba yekukweretesa nguva (mwedzi 12).

Nokudaro, R (kana annuity) inokosha zvakaenzana ne:

PA _post * i / (1 - (1 + i) ^{- n} ) = 150000 * 0.0167 / (1 - (1 + 0.0167) ^-12 ) = 13898 rubles.

Iye zvino zviri nyore kuziva kuti mari yaizokubhadhara ichave yakaita sei pamukwereti nemashoko edu:

13898 * 12 - 150000 = 16776.

Uyu mutengo uchafanira kubhadharwa uchishandisa mari yebhangi. Uchishandisa shanduro muExcel, unogona kuvaka tablet iyo iyo inowanikwa mubhadharo ye annuity (chikwereti uye chikamu chechikwereti chikuru chauchabhadhara mwedzi mumwe nomumwe) chichanyorwa zvakare, yeuka kuti inoshanduka. Verengedze nyore nyore, kungowanikwa mwedzi chete kunofanira kuderedza chikwereti chikuru nemari yakatobhadhara uye kuwedzera nekudarika kwechibereko (iyo, sezvainozivikanwa, inotengeswa pachiyero chechikwereti).

Ichokwadi, nzira ye annuity inounza kubatsira kwakanyanya kubhangi, nokuti pakutanga akwereta anonyanya kufarira, uye chete ipapo kubhadhara chikwereti chikuru chinotanga. Uye iyo yakareba iyo mutengi anokwereta chikwereti, kunyanya sangano rekwereti richawana. Ndicho chikonzero mabhengi asingadi zvikuru kana chikwereti chiri kubhadharwa mberi kwepurogiramu (kusvikira munguva ichangopfuura, munyaya iyi, kambani yaigara ichipomerwa, iyo yakaparadzwa nemutemo).

Ichi chinoitwa annuity payments (kuchinja kwezvikamu) zvinowanzoitirwa zvikwereti. Kazhinji, gore rinenge riine chiyero chakatarwa, mari yaunenge yaita pane yakapiwa periodicity. Muenzaniso wake kune dzimwe nzvimbo: kubhadhara, kubhadhara, penhesi, kubhadharwa mari, kubhadharwa nguva dzose kune sangano re inshuwarisi kune vashandi vezvematongerwo enyika, kana zvisinei, zvikwereti zveshuwarisi, mari yegore negore, nezvimwewo.