Annuity them nyiaj, dab tsi yog daim ntawv no ntawm cov nyiaj txais them nqi?

Tsis yog txhua tus paub txog xws li ib tug lub tswv yim raws li annuity kev them nyiaj. Hais tias qhov no hom ntawm kev them nyiaj, yuav tsum tau hnov los ntawm ntau. Tab sis dab tsi ua rau nws muaj nyob rau hauv tus nqi ntawm cov nyiaj txais ntawm cov nyiaj txiag lub tsev kawm ntawv, lub npe hu tsis tau txhua leej txhua tus. Thaum ib tug neeg yuav siv sij hawm ib tug txais nyiaj, nws thim mloog mus rau cov kev txaus siab. Cov neeg ntseeg me me rau tus nqi, qhov ntau ib qho kev zoo kev. Yog li ntawd xav seb cov neeg zoo tib yam neeg uas paub me ntsis txog kev nyiaj txiag. Lawv kuj tau them nyiaj mloog rau tus nqi ntawm cov nyiaj txais thiab nws lub sij hawm. Qhov no, ntawm chav kawm, qhov tseem ceeb cov yam ntxwv. Tab sis muaj yog ib qho tseem ceeb qhov taw qhia, tsis hnov tag nrho cov ntawm nws.

Hom ntawm cov nyiaj them rau cov credit

Npaj los ntawm lub borrower paub hais tias peb yuav tsum tau saib rau nqe lus no raws li ib daim ntawv ntawm kev them nyiaj. Nws yog nws leej twg muaj ib lub zog txhawb rau cov nqi ntawm cov nyiaj txais. Tej zaum ob peb them nqi kev xaiv. Differential thiab annuity kev them nyiaj. Yuav ua li cas yog nws? Wb fim nws.

differentiated cov nyiaj them

Tus thawj zoo ntawm qhov zoo tshaj plaws lub npe hu. Cov nyiaj them nyob rau hauv uas muab sib txawv txhua hli them nqi, uas txo lub sij hawm. Tag nrho cov nuj nqis yog muab faib los ntawm tus xov tooj ntawm lub hlis ntawm cov nyiaj txais, cov nyiaj them yuav tsum tau nqa tawm nyob rau hauv sib npaug zos shares. Paj accrued rau qhov nqi koj tshuav, tus nqi ntawm cov nyiaj hli yuav txo tau.

annuity nyiaj them

Tam sim no cia saib annuity them - yog dab tsi no daim ntawv ntawm kev them nyiaj, tsis yog txhua txhua cov neeg muas zaub to taub lub tsev nyiaj. Outwardly, lawv yuav tshwm sim tau yooj yim. Yuav ua li cas yog lawv taw tes? Cov nyiaj txais yuav tsum tau them rov qab rau ib tug txhua lub hlis rau ib tug npaum li cas, tab sis laij nws tsis yog li ntawd ib qho yooj yim. Muaj ntau scares xws li ib tug tshaj plaws li annuity kev them nyiaj. Yuav ua li cas yog no hom ntawm kev them nyiaj, nws yog yooj yim kom to taub, to taub cov mechanism ntawm xam. Paj yuav tsum tau laij dua noj mus rau hauv tus account qhov nqi koj tshuav ntawm borrowed nyiaj, lawv raug txo, tab sis kev faib ua feem ntawm lub ntsiab nyob rau tib lub sij hawm loj hlob los ntawm lub hlis. Thaum xub thawj, kuv yuavtsum them paj laum, nws hloov tawm hais tias lub tsev txhab nyiaj kom koj them cov nyiaj khwv tau upfront. Yog hais tias peb los sib piv cov ntaub ntawv nrog differentiated them nyiaj, nws yuav tau hais qhov annuity yog me dua nyob rau hauv thawj lub hlis. Qhov chaw nyob rau hauv nruab nrab ntawm lub sij hawm lawv yog hais txog txawm, thiab ces txo tus nqi ntawm cov thawj thiab thib ob nqi yuav tsis hloov.

Yuav ua li cas yuav koj xam cov annuity nyiaj them

Ntug dej siv los laij cov tshwj xeeb tswvyim kev pab cuam. Tsis tas yuav mus rau hauv lub intricacies ntawm kev kawm txog zauv, peb yuav nco ntsoov, lub credit thaum xws them nyiaj yog ib tug ntau kim, raws li cov seem ntawm cov nqi yog txo maj mam. Qhov ntau lub neej ntawm cov nyiaj txais thiab nws cov nuj nqis, ntau dua qhov lub them nyiaj tshaj. them rov qab cov qauv no yog tsis yog li ntawd ib qho tseem ceeb thaum cov qhab nia rau luv luv sij hawm.

Ntawm no yog cov mis rau cov annuity them nqi:

Hli them nqi = kos * SK, qhov twg kos - annuity tau, SK - cov nyiaj txais npaum li cas.

KOS = (PR * (1 + PR) ⁿ⁾ / ((1 + PR) ⁿ -1), qhov chaw uas PR - yog tus nqi ntawm kev txaus siab (txhua hli), n - Cov nyiaj txais them nqi sij hawm.

Piv txwv li, yog hais tias tus nqi ntawm 12% hauv ib xyoos, nws yuav tsum yog 12% faib rau 12 lub hlis rau lub xam PR.

Annuity cons:

- sawv nyob rau hauv nqe ntawm credit;

- nws yeej ua tsis tau suav lub hli them nyiaj rau thaum ntxov them rov qab;

- tej zaum kuj tsis pub tua cov nyiaj txais ua ntej ntawm lub sij hawm.

Annuity Pros:

Annuity nyiaj them rau cov nyiaj txais no tsis tsuas tsis zoo, lawv muaj ib tug xov tooj ntawm zoo.

- Nws yog tsis tsim nyog qhia kom meej rau cov nyiaj them nqi txhua lub hli, tseem ceeb tshaj mas, tua cov nuj nqis rau lub sij hawm.

- Cov thawj zaug them nqi yog tsawg, nws tso cai rau koj nqa mus siv rau credit rau neeg tau nyiaj tsawg.

- Tsawg nyiaj hli yog ib qho kev zoo rau lub tsev neeg cov nyiaj txiag. Feem ntau lawv yuav xaiv thaum lub nqi tsev.

- Vim hais tias ntawm nce nqi, qhov no hom ntawm kev them nyiaj tsis zoo li kim.

Tag nrho cov tib zoo xam thiab analyzed los ntawm kev noj tawm ib cov nyiaj txais, ces mus tsis tau surprises!