Annuity - da biya, mun haɗu ko'ina

Yau, mutane da yawa sun saba da annuity biya saboda da fadi da yaduwar wannan hanya na biya na bashi wajibai. Duk da haka, da annuity - shi ne ba kawai banki lokaci. An samu a fannoni daban daban da - daga inshora ga fensho, wanda ake amfani da su na yau da kullum nuna a fakaice biya / amfanin. Asalinsu wannan kalma na nufin wani shekara-shekara periodicity (daga Latin "annuus" - "shekara"). Duk da haka, a cikin wani zamani fassarar bayyana iyakokin wanke tafi da annuity - shi ne wani yau da kullum daidai biya (da kullum, wata-wata, na kwata, da dai sauransu ...). The biyu main halaye na da irin wannan biyan bashin - mita da kuma immutability na adadin biya.

Duk da haka, ba duka aka gyara daga cikin annuity ne m. Dauki misali da kwangila kammala tare da banki kungiyar. Saboda haka, a lokacin da ka yi a matsayin aro da borrower zamar masa dole ya biya zuwa mai ba da bashi da akai-akai (yawanci wata-wata) wani adadin kudi (annuity biya) a kan lissafi na biya na aro. Bugu da ƙari, wannan darajar hada a matsayin wani ɓangare na aro babba da sha'awa ga da amfani. Wannan suka canza a kan lokaci. Da farko (har tsakiyar wa'adi na aro) da adadin amfani biya ya wuce adadin babba biya, sa'an nan (bayan tsakiyar lokaci na aro), halin da ake ciki an canza da cika fuska, da kuma mafi yawan annuity ne riga da borrower ta bashi.

Ta yaya a wannan yanayin, akwai wani lissafi na annuity? Domin a more m bayani zai ba da misali. Zata sanya hannu a aro yarjejeniyar da wadannan sharuddan: bashi lokaci - shekara (daga 28 Nuwamba 2013 zuwa 28 Nuwamba 2014). sha'awa kudi - 20% annum. rance adadin (babba) - 150 dubu rubles. Mu ne sha'awar da adadin wata-wata biya (annuity), da kuma overpayment a kan aro (farashin aro kudi). Biya za a sanya a kan Disamba 28 (da kowace m watan), lasafta bisa ga dabara:

PA _post = R * (1 - (1 ^{+ i) - n) / i} , a cikinsa

PA _post - rance adadin (ko rage annuity darajar ne 150 m p ..).

R - wata-wata ijãra a kansa.

i - wata-wata sha'awa kudi (20% / 12 = 1.67);

n - yawan crediting lokutan (12 months).

Saboda haka, R (ko annuity) - wannan yawa daidaita:

PA _post * i / (1 - (1 + i) ^{- n)} = ¹⁵⁰⁰⁰⁰ * ^0,0167 / (1 - ^{(1 + 0.0167) -12) =} 13898 rubles.

Yanzu shi ne mai sauki domin sanin nawa zai zama wani overpayment a matsayin aro tare da mu sharuddan da yanayi:

13898 * 12 - 150000 = 16776.

The farashin zai biya domin yin amfani da bankin kudi. Amfani da dabara to Excel, za ka iya gina wani sunan tag, wanda za a fentin da aka gyara na da annuity biyan bashin (ban sha'awa, kuma wani ɓangare na babba bashin da za ka biya a kowane wata), za mu tuna da cewa sun bambanta. Lissafta su ba wuya, kawai wata kamata rage babba bashi a kan riga biya darajar da yawaita da sha'awa kudi (shi ne da aka sani, an caje a kan fice ciyarwarsu).

Hakika, da annuity Hanyar kawo gagarumin amfani ga banki, saboda asali borrower biya mafi yawa amfani, da kuma kawai sai a fara biya na babba. Kuma abokin ciniki zuwa sãka da rance ba, da zarar ka sami bashi ma'aikata. Wannan shi ne dalilin da ya sa akwai, bankunan ba sosai m, a lokacin da rance da aka sãka gaba da jadawali (har kwanan nan, a cikin wannan harka, sau da yawa cajin kudin, wanda aka soke da dokar).

Wannan yanayin na annuity biya (canji aka gyara) ne na hali ga basussuka. Yawancin lokaci wani annuity - dai kawai wani tsayayyen adadin, wanda biya za a yi a kayyade lokaci. Wani misali na da shi a cikin wasu yankunan: haya, rents, pensions, depreciation gudunmawar regulyanye biyan bashin da inshora kamfanin zuwa policyholders ko, conversely, premiums, shekara-shekara fee, kuma haka a kan ..