Kalikulateri yo kurangiza kwishyura inguzanyo y'inzu

Kalikulateri yo kurangiza kwishyura inguzanyo y'inzu

Reba uko ubwishyu bw'inyongera buri kwezi bushobora kugabanya igihe cy'inguzanyo y'inzu n'inyungu.

SOBANUKIRWA IGISUBIZO

Ibi bibarwa bite?

Ubwishyu busanzwe bw'igishoro n'inyungu bubarwa ku mafaranga n'igihe bisigaye. Amafaranga y'inyongera yongerwa kuri buri bwishyu kandi agashyirwa ku gishoro.

Ifomula yo kwishyura vubaIgihe gishya = −ln(1 − rP ÷ Ubwishyu) ÷ ln(1 + r)

Urugero rufatika

Kongeraho amadolari 250 buri kwezi ku nguzanyo y'inzu y'amadolari 280.000 bishobora kugabanya imyaka yo kwishyura no kuzigama inyungu nyinshi.

Ibyafashwe nk'ukuri, uko ibisubizo bisobanurwa n'amakosa akunze kubaho

Ibyafashwe nk'ukuri mu ibara

  • Igipimo kiriho gikomeza kuba kimwe.
  • Amafaranga y'inyongera yishyurwa buri kwezi kandi agashyirwa ku gishoro.
  • Nta gihano cyo kwishyura mbere cyangwa amafaranga yo kongera kubara inguzanyo arimo.

Uko wasobanura igisubizo

  • Igihe gishya cyo kurangiza kwishyura kigereranya igihe amafaranga asigaye azagera kuri zeru.
  • Inyungu zazigamwe zigereranya gahunda yihuse na gahunda ya mbere yari isigaye.
  • Ubwishyu bwa nyuma bushobora kuba buto kuruta amafaranga asanzwe ya buri kwezi.

Amakosa akunze kubaho ugomba kwirinda

  • Kohereza amafaranga y'inyongera utavuze ko agomba gushyirwa ku gishoro gusa.
  • Gukoresha ubwizigame bw'ibyihutirwa kugira ngo wihutishe inguzanyo ifite inyungu nto.
  • Kwirengagiza igihano cy'utanga inguzanyo cyo kwishyura mbere cyangwa itegeko ryo gutunganya ubwishyu.