Ndondomeko ya chaka na chaka
| Chaka | Mulongozgi wakalipira | Chiwongo cha kulipilika | Balansi yakhalako |
|---|---|---|---|
| 1 | 5,317 | 10,691 | 234,683 |
| 2 | 5,561 | 10,447 | 229,122 |
| 3 | 5,816 | 10,192 | 223,306 |
| 4 | 6,084 | 9,924 | 217,222 |
| 5 | 6,363 | 9,645 | 210,859 |
| 6 | 6,655 | 9,352 | 204,203 |
| 7 | 6,961 | 9,047 | 197,242 |
| 8 | 7,281 | 8,727 | 189,961 |
| 9 | 7,616 | 8,392 | 182,346 |
| 10 | 7,965 | 8,043 | 174,380 |
| 11 | 8,331 | 7,677 | 166,049 |
| 12 | 8,714 | 7,294 | 157,335 |
| 13 | 9,114 | 6,894 | 148,221 |
| 14 | 9,533 | 6,475 | 138,688 |
| 15 | 9,971 | 6,037 | 128,717 |
| 16 | 10,429 | 5,579 | 118,287 |
| 17 | 10,908 | 5,100 | 107,379 |
| 18 | 11,409 | 4,599 | 95,970 |
| 19 | 11,933 | 4,075 | 84,036 |
| 20 | 12,482 | 3,526 | 71,555 |
| 21 | 13,055 | 2,953 | 58,500 |
| 22 | 13,655 | 2,353 | 44,845 |
| 23 | 14,282 | 1,726 | 30,563 |
| 24 | 14,938 | 1,070 | 15,625 |
| 25 | 15,625 | 383 | 0 |
Mo malipiro ghakuŵerengeka .
Ngongole zinandi za nyumba na zakuguliska zikuwezgeka mu vigaŵa vyakuyana waka mwezi uliwose (annuity). Malipiro ghaliyose ghakwamba ghakuvikilira chiwongolara pa ivyo mucali na ngongoli, ndipo vinyake vyose vikucepeskako ngongoli — ntheura malipiro ghakwambilira ghakuŵa na chiwongo ndipo gha pamanyuma ghakuŵa ghakuzirwa comene.
Ngongole-ku-mtengo (LTV) ndiyo ngongole nga ni chigaŵa cha mtengo. Kanandi awo ŵakukongozga ndalama ŵakupeleka ndalama ziwemi pasi pa 80% LTV, ndipo ŵanyake ŵakukhumba inshuwalansi ya nyumba pachanya pa iyo.
Nthowa zakulipira ndalama zichoko
- Yezgelerani chiŵelengero cha peresenti ya pachaka (APR) kufuma ku ŵakukongozga ŵanandi, chiŵelengero cha mutu pera yayi — APR yikusazgapo malipiro.
- Malipiro ghakuru ghakwamba ghakucepeskako vyose viŵiri, malipiro na chiwongo chose, ndipo kanandi ŵakupokera mtengo uwemi.
- Nanga ni malipiro ghachoko waka ghakusazgikira mwezi uliwose ghangatora vyaka vinandi kufuma pa ngongoli — wonani usange uyo wakukongozga wakulipira kuti mulipire mwaluŵiro.
- Sungani khushoni: mitengo, misonkho na inshuwalansi vingasinthika, ndipo mitengo yakukhazikika kanandi yikukhala waka kwa nyengo yakuŵikika.
Ivyo vyafumamo ni vyakuyezgayezga kuti vilongozgeke waka. Ivyo wakukongozga wakupeleka vikuthemba pa mbiri yinu ya ngongoli, malipiro, inshuwalansi na malango gha mu chigaŵa chinu — nyengo zose wonani viŵelengero vyaumaliro na wakukongozga.
Renti panji kugula calculator →Munthu uyo wakusankha katundu: yezgelerani nyumba na ivyo vikumukhwaskani →Kupenja mindandanda ya katundu