Impela uzwile mayelana ne-amortization izikhathi ezingaphezu kwesisodwa. Nokho, kungenzeka ukuthi, nakuba kuyigama izazi zezomnotho nochwepheshe abavame ukulisebenzisa, ungase ube nobunzima bokuliqonda. Ngoba... uyazi ukuthi yini i-amortization, yiziphi izinhlobo ezikhona nokuthi ibalwa kanjani?
Uma ufuna ukuba yingcweti lo mqondo ngendlela engcono kakhulu futhi uthole okungcono kakhulu emnothweni wasekhaya, bese ubheka lokho esikulungiselele ukuthi ukuqonde.
Yini i-amortization
Ake siqale ekuqaleni. Futhi lokho kuwukuqonda ukuthi sisho ukuthini uma sithi igama elithi amortization. Eqinisweni, i-a ukulahlekelwa sihlupheka uma sinempahla.
Ukukunikeza umbono. Ake sithi usanda kuthenga ithelevishini ekhetheke kakhulu emhlabeni wonke. Ikubiza imali futhi manje ufuna ukuyijabulela. Nokho, njengoba isikhathi sihamba, lokho okukhokhele leyo TV akukhona lokho obungakuthola kamuva. Uma isikhathi sesihambile, imali oyikhokhele umabonakude ngeke ifane.
Yilokho okubizwa ngokuthi i-amortization.
Ngamanye amazwi, kumayelana nendlela amafa (imikhiqizo, amasevisi, izinto, njll.) ayeka ngayo ukulahlekelwa ivelu ozithenge ngayo. Futhi kufika isikhathi lapho zingasafanele lutho.
Ake sikunikeze esinye isibonelo okulula ukusiqonda. Njengoba wazi, kukhona ama-Playstations amaningana, akunjalo? Kuthe uma kuphuma iPlaystation 3 yenze ukuthi iPlaystation 2 iphelelwe yisikhathi kanti izitolo zawathenga amasekeni ngenani okungelona obulikhokhile. Odabeni lwePlaystation 4 no-5 okuyizona ezikhona manje ukudayisa kusho ukuthi abakunikezi okufana nalokhu oyikhokhele.
Lokho kungaba, ngandlela thile, ukuncishiswa imali, ngoba akufanele kufane nangenkathi ukutholile.
Izinhlobo ze-amortization
Manje njengoba usuqonde kangcono kakhulu ukuthi ukuncishiswa kwenani kuyini, isinyathelo esilandelayo okufanele usithathe ukwazi ukuthi yiziphi izinhlobo ze-amortization ezikhona. Iqiniso liwukuthi kukhona eziningana, kodwa ezisetshenziswa kakhulu futhi ezivamile yilezi ezilandelayo:
Inani elinqwabelene
Ibizwa ngokuthi ukwehla kwenani lezimpahla esikhathini esithile (iminyaka embalwa). Okungukuthi, ozama ukukwenza wukwazi ukuthi umkhiqizo noma impahla ingaba nakuphi ukuncishiswa kwemali ngemva kweminyaka embalwa.
Ake sihambe nesibonelo ukuze usiqonde. Ake sithi uthenga ithelevishini futhi ikubiza ama-euro ayi-1000. Eminyakeni emine lokho ngeke kukufanele, kodwa kuzomele ususe ukukhokhwa kwemali konyaka obulokhu ukulahlekelwa unyaka nonyaka.
Ngakho-ke, ifomula yalokhu kuncishiswa kwenani yileli:
I-amortization enqwabelene = Inkokhelo yonyaka x Iminyaka kusukela kwathengwa.
Lokho kuzokunika ukuthi umkhiqizo ngokwawo ulahlekelwe yimali engakanani. Futhi uma uyikhipha kulokho okukhokhele umkhiqizo, uzobona ukuthi, ngaleso sikhathi, umkhiqizo wakho uzofaneleka ini.
Ukuncishiswa kwezindleko kobuchwepheshe noma kwezomnotho
Lolu hlobo lusetshenziselwa ukukulungiselela ukushintshwa kwaleyo mpahla. Futhi yilokho Kuhlanganisa ukulondoloza inani elifanayo elikhokhwa unyaka nonyaka ngempahla, ukuze kuthi uma isikhathi sihamba sekufanele uthenge enye impahla ozovala ngayo leyo onayo, usunayo leyo mali oyilondolozile.
I-amortization ye-investimenti
Lo mqondo awusetshenziswa kakhulu kwezomnotho wasekhaya, kodwa ukuwuqonda kungaba usizo kakhulu. Igxila ku yazi ukuthi ukuthenga kwakho kunenzuzo nini. Ukwenza lokhu, kufanele uqhathanise imikhiqizo ongayikhetha futhi ubone ukuthi ingabe umehluko wentengo phakathi kokukodwa nokunye uzoncishiswa ngokuhamba kwesikhathi eside noma esincane. Umgomo uwukwazi ukuthi uzokwenza nini ukuze uqale ukubona izinzuzo.
Ukukunikeza isibonelo. Cabanga ukuthi ufuna ukutshala imali endaweni yokudlela futhi kufanele ufake ama-euro angama-30.000. Lapha, kufanele wazi ukuthi uzoyibuyisa nini imali oyitshalile ukuze uqale ukubona izinzuzo. Uma leyo nkokhelo ingeke yenzeke eminyakeni engu-20, ingase ingabi nayo inzuzo. Kodwa uma kwenzeka ngonyaka owodwa noma emibili, ukutshalwa kwezimali kungaba inketho enhle.
Ukuncishiswa kwesikweletu
Kushiwo izinkokhelo ezisasele osusele ukuze ukhokhe isikweletu. Okusho ukuthi, uma ukhokhela izifundo ngezitolimende, ukuncishiswa kwezikweletu zakho kuzoba yizinkokhelo ongazidinga ukuze uzikhokhe.
I-Amortization ye-mortgage
Ngokufanayo nalokhu okungenhla, sizobe sikhuluma nge-mortgage, esikhundleni sesikweletu. Nokho, kufanele wazi ukuthi ngezinye izikhathi, I-Amortization ibizwa nangokuthi ukukhokha inani elisele lemalimboleko yakho ngaphambi kokuphela kwesikhathi.
Ukuncishiswa kwemali mboleko
Kungaba okufanayo nalokhu okungenhla, okungukuthi, lokho okushiye ukukhokha emalini ebolekiwe njengoba isikhathi sihamba.
I-amortization ibalwa kanjani
Manje njengoba usuyazi ukuthi yini i-amortization nokuthi zingaki izinhlobo ezikhona, ake siqhubekele endleleni yokubalwa. Iqiniso liwukuthi kulula impela ngoba ibuswa ifomula. Yiphi? Ngiyakutshela:
Izindleko zonyaka = Inani lokuthenga / Isilinganiso sempilo ewusizo.
Ngizokunikeza isibonelo ukuze usiqonde. Cabanga ukuthi uthenge i-Playstation 5. Siyazi ukuthi izoba semakethe cishe iminyaka engu-6, ngoba sekuvele kukhona amahemuhemu ekhonsoli elandelayo. Ngakho-ke ukuphila okusebenzisekayo okulinganiselwe iminyaka engu-6. Manje, inani lokuthenga yilo olikhokhele leyo khonsoli. Ake sibeke ama-euro angama-600.
Nokho, ngokulandela ifomula, kuzomele uhlukanise lawo ma-euro angama-600 ngeminyaka eyi-6, ngendlela yokuthi akunike ama-euro ayi-100. Yileyo ndlela "i-console" yakho "yehlisa" kangakanani unyaka nonyaka.
Ungasebenzisa into efanayo kwezinye izinto eziningi, kungakhathaliseki ukuthi izinto zikagesi, ukuqeqeshwa, izinsiza, nanoma iyiphi enye impahla.
Ingabe manje sekucace kakhudlwana kuwena ukuthi yini i-amortization, zingaki izinhlobo ezikhona nokuthi zibalwa kanjani? Uyakholwa noma ungakholwa, lokhu kungaba kuhle kakhulu emnothweni wakho wasekhaya ngoba kuzokusiza wenze izinqumo ezingcono mayelana nokuthenga okwenzayo nokuthi kukufanele ngempela yini noma cha. Ingabe unayo imibuzo? Sitshele ngaphandle kwenkinga.