Inani lesikhathi esizayo leannuity yinani leqembu lezinkokhelo eziphindelelayo ngedethi ethile esikhathini esizayo, kucatshangwa ngenani elinikeziwe lembuyiselo, noma inani lesaphulelo. Ngenxa yenani lesikhathi semali, imali etholiwe noma ekhokhiwe namuhla ibaluleke ngaphezu kwenani elifanayo lemali esikhathini esizayo. Ake sibone ukuthi singalisebenzisa kanjani inani lesikhathi esizayo le-annuity kuphothifoliyo yethu yokutshala imali.
Iyini inani lesikhathi esizayo le-annuity
Inani lesikhathi esizayo leannuity yinani leqembu lezinkokhelo eziphindelelayo ngedethi ethile esikhathini esizayo, kucatshangwa ngenani elinikeziwe lembuyiselo, noma inani lesaphulelo. Uma izinga lesaphulelo liphezulu, likhulu inani lesikhathi esizayo le-annuity. Uma nje zonke izinto eziguquguqukayo ezizungeze impesheni zaziwa, njengenani lokukhokha, inani elilindelekile, nenani lezikhathi, kungenzeka ukubala inani lesikhathi esizayo lemali yonyaka.
Iyini inani lesikhathi esizayo le-annuity?
Ngenxa yenani lesikhathi semali, imali etholiwe noma ekhokhiwe namuhla ibaluleke ngaphezu kwenani elifanayo lemali esikhathini esizayo. Lokhu kungenxa yokuthi imali ingatshalwa futhi ikhule ngokuhamba kwesikhathi. Ngomqondo ofanayo, inkokhelo eyodwa yama-$5.000 namuhla ibiza ngaphezu kochungechunge lwezinkokhelo zeminyaka emihlanu zika-$1.000 ezisatshalaliswa phakathi neminyaka emihlanu. Izinkokhelo zempesheni ngokuvamile zenziwa ekupheleni kwesikhathi. Nokho, imali ekhokhwayo iyinkokhelo eyenziwa ekuqaleni kwesikhathi. Nakuba kungase kungabonakali njengomehluko omkhulu, kungase kube nomehluko omkhulu phakathi kwalokhu kokubili lapho kubhekwa ukuthi iyiphi inzalo etholwayo.
Ifomula yokubala inani lesikhathi esizayo le-annuity
Ifomula yenani lesikhathi esizayo le-annuity evamile imi kanje. (Impesheni evamile ikhokha inzalo ekupheleni kwesikhathi esinikeziwe, futhi hhayi ekuqaleni, njengoba kwenzeka ngenkokhelo yempesheni.)
Ifomula yokubala inani lesikhathi esizayo le-annuity.
Isibonelo sokusebenzisa inani lesikhathi esizayo le-annuity
Ake sithi othile unquma ukutshala imali engu-€125.000 ngonyaka eminyakeni emihlanu ezayo ngemali alindele ukuyihlanganisa ku-8% ngonyaka. Kulesi sibonelo, uchungechunge lwenkokhelo luyimali ekhishwa njalo ngonyaka lapho izinkokhelo zenziwa khona ekupheleni kwesikhathi ngasinye. Inani lesikhathi esizayo elilindelekile lalolu chungechunge lwezinkokhelo lisebenzisa ifomula engenhla limi kanje:
