Calculator ya ngongoli

Lembani mtengo, malipiro ghinu ghakwamba, chiwongo na nyengo — wonani malipiro gha mwezi uliwose, chiwongolara pa mwezi wose na ivyo malipiro ghanyake gha mwezi uliwose ghangaponoska.

Ikugwira ntchito mu ndalama yiliyose — lembani ndalama mu iyo mukugwiliskira ntchito.

Malipiro gha mwezi uliwose1,334
Ndalama ya ngongoli240,000
Chiwongola chose160,199
Vyose vyalipilika, na malipiro ghakwamba460,199
Ngongole-ku-mtengo80%
Kulipira nga ni chigaŵa cha ndalama22.2%
Mtengo uwo ndalama zinu zikuzomerezga437,812

Ndondomeko ya chaka na chaka
ChakaMulongozgi wakalipiraChiwongo cha kulipilikaBalansi yakhalako
15,31710,691234,683
25,56110,447229,122
35,81610,192223,306
46,0849,924217,222
56,3639,645210,859
66,6559,352204,203
76,9619,047197,242
87,2818,727189,961
97,6168,392182,346
107,9658,043174,380
118,3317,677166,049
128,7147,294157,335
139,1146,894148,221
149,5336,475138,688
159,9716,037128,717
1610,4295,579118,287
1710,9085,100107,379
1811,4094,59995,970
1911,9334,07584,036
2012,4823,52671,555
2113,0552,95358,500
2213,6552,35344,845
2314,2821,72630,563
2414,9381,07015,625
2515,6253830

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

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