MAHINO KI HE TALI ʻOku fikaʻi fēfē ʻeni? ʻOku fikaʻi e totongi paʻanga tefito mo e tute angamaheni mei he palanisi mo e taimi ʻoku toe. ʻOku tānaki e lahi tānaki ki he totongi kotoa pea ngāueʻaki ki he paʻanga tefito.
Founga totongi fakaʻosi vave Taimi foʻou = −ln(1 − rP ÷ Totongi) ÷ ln(1 + r)
Ko ha sīpinga ʻaonga Ko hono tānaki e $250 he māhina ki ha mōkesi $280,000 ʻe lava ke toʻo ha ngaahi taʻu mei he taimi-tēpile totongi fakaʻosi pea fakahaofi ha tute lahi.
NGAAHI FEHUʻI ANGAMAHENI Ngaahi tali vave ʻOku fakangofua nai ʻe hoku tokotaha fakapaʻanga e ngaahi totongi tānaki?+ ʻOku fakangofua ʻe he tokolahi, ka fakapapauʻi e ngaahi tuʻutuʻuni totongi kimuʻa pea fakapapauʻi ʻoku ngāueʻaki e paʻanga tānaki ki he paʻanga tefito.
ʻOku totonu ke u totongi e moʻua pe fakahū paʻanga?+ Fakafehoanaki e fakahaofi tute ʻoku fakapapauʻi mo e tupu fakahū paʻanga hili e tukuhau ʻoku ʻamanaki ki ai, fakatuʻutāmaki mo e fiemaʻu paʻanga vave.
ʻOku tonu fēfē e fakafuofua ni?+ ʻOku muimui e fika ki he founga ʻoku fakahaaʻi, ka ʻoku tonu pē e ola ʻo fakatatau ki he tuʻunga, ngaahi totongi, taimi mo e ngaahi fakafuofua kehe ʻoku ke fakahū.
Ko e hā e lahi ʻoku fakahaofi ʻe ha totongi mōkesi tānaki ʻe taha?+ ʻOku makatuʻunga e fakahaofi ʻi he palanisi, tuʻunga mo e taimi ʻoku toe. Fakahū e lahi tānaki fakataʻu kuo vahe ʻaki e 12 ke fakataipe fakamāhina.
ʻOku totonu ke u fai e ngaahi totongi tānaki fakamāhina pe fakataʻu?+ Ko e fakasiʻisiʻi vave ange ʻo e paʻanga tefito ʻoku faʻa fakahaofi ai ha tute siʻi ange, ʻo fakafuofua ʻoku ngāueʻaki leva ia ʻe he tokotaha fakapaʻanga.
ʻE fakasiʻisiʻi nai ʻe ha totongi tānaki ʻeku totongi fiemaʻu?+ ʻOku faʻa ʻikai tuku kehe kapau ʻoku toe fokotuʻutuʻu ʻe he tokotaha fakapaʻanga e nō. ʻOku faʻa fakapoto e taimi totongi fakaʻosi kae tuʻumaʻu e totongi kuo fokotuʻutuʻu.
Ko e hā e toe fokotuʻutuʻu mōkesi?+ Ko e toe fokotuʻutuʻu nō ʻoku toe fikaʻi e totongi fiemaʻu hili hono fakasiʻisiʻi e paʻanga tefito, kae tauhi pē e nō mo e tuʻunga tute lolotonga.