08/21/2023

A lokacin da sayen gidan, sau da yawa muna buƙatar la'akari da lamunin lamuni daban-daban, gami da manyan nau'ikan nau'ikan biyu: ajiyayyun darajar kuɗi da daidaitaccen lamuni.Sanin bambanci tsakanin waɗannan nau'ikan guda biyu yana da mahimmanci don yanke shawarar lamuni mafi kyau.A cikin wannan labarin, za mu nutse cikin fa'idodin jinginar ƙima mai ƙayyadaddun ƙima, bincika fasalulluka na jinginar ƙima mai daidaitawa, mu tattauna yadda ake ƙididdige biyan kuɗin jinginar ku.

Fa'idodin Kafaffen Bayar da Lamuni
Kafaffen jinginar gidaje ɗaya ne daga cikin nau'ikan lamuni na yau da kullun kuma ana bayar da su a cikin sharuɗɗan 10-, 15-, 20-, da 30 na shekaru.Babban fa'idar jinginar ƙima mai kayyadewa shine kwanciyar hankali.Ko da farashin ribar kasuwa ya canza, yawan ribar lamuni ya kasance iri ɗaya.Wannan yana nufin masu ba da bashi za su iya sanin ainihin nawa za su biya kowane wata, ba su damar tsarawa da sarrafa kasafin kuɗin kuɗin su.Sakamakon haka, masu saka hannun jari masu hana haɗari sun fi son jinginar rancen ƙima saboda suna kariya daga yuwuwar ƙimar riba ta gaba.Abubuwan da aka Shawarta:Lamunin Al'umma na QM,Farashin DSCR,Bayanin Banki.

Daidaitacce Rate jinginar gida Analysis
Sabanin haka, jinginar kuɗi masu daidaitawa (ARMs) sun fi rikitarwa kuma yawanci suna ba da zaɓuɓɓuka kamar 7/1, 7/6, 10/1 da 10/6 ARMs.Irin wannan lamuni yana ba da ƙayyadaddun ƙimar riba da farko, bayan haka an daidaita ƙimar riba gwargwadon yanayin kasuwa.Idan farashin kasuwa ya ragu, ƙila za ku iya biyan kuɗi kaɗan a kan jinginar kuɗi mai daidaitacce.

Misali, a cikin 7/6 ARM, “7″ yana wakiltar lokacin ƙayyadaddun ƙayyadaddun ƙimar farko, ma'ana yawan kuɗin lamuni ya kasance baya canzawa na shekaru bakwai na farko."6" yana wakiltar adadin gyare-gyaren ƙima, yana nuna cewa adadin lamuni yana daidaita kowane watanni shida.

Wani misali na wannan shine "7/6 ARM (5/1/5)", inda "5/1/5" a cikin maƙallan ya bayyana ƙa'idodin daidaitawa:
· Na farko “5″ yana wakiltar matsakaicin adadin da adadin zai iya daidaitawa a karon farko, wanda shine shekara ta bakwai.Misali, idan ƙimar ku ta farko ta kasance 4%, to a cikin shekara ta bakwai, ƙimar na iya ƙaruwa zuwa 4% + 5% = 9%.
· “1″ yana wakiltar matsakaicin adadin da adadin zai iya daidaita kowane lokaci (kowane watanni shida) bayan haka.Idan ƙimar ku ta kasance 5% na baya, to bayan daidaitawa na gaba, ƙimar na iya zuwa 5% + 1% = 6%.
· Ƙarshe “5″ yana wakiltar matsakaicin kaso wanda adadin zai iya ƙaruwa tsawon rayuwar lamunin.Wannan yana danganta da ƙimar farko.Idan ƙimar ku ta farko ta kasance 4%, to, a duk tsawon lokacin lamuni, ƙimar ba zai wuce 4% + 5% = 9%.

Koyaya, idan farashin kasuwa ya tashi, ƙila ku biya ƙarin riba.Wannan takobi mai kaifi biyu ne;yayin da zai iya samun ƙarin fa'idodi, yana kuma zuwa tare da haɗari mafi girma.Abubuwan da aka Shawarta:Cikakken Doc Jumbo,WVOE&Shirye-shiryen Kai P&L.

Yadda Ake Kididdige Biyan Lamunin Kuɗi
Komai nau'in lamuni da kuka zaɓa, yana da mahimmanci don fahimtar yadda ake ƙididdige biyan kuɗin jinginar ku.Babban lamuni, ƙimar riba da lokaci sune mahimman abubuwan da suka shafi adadin biyan kuɗi.A cikin ƙayyadaddun jinginar gida, tun da yawan kuɗin ruwa ba ya canzawa, biyan kuɗin ma ya kasance iri ɗaya.

1. Daidaita Jagora da Hanyar Sha'awa
Daidaitaccen babba da hanyar riba hanya ce ta gama-gari ta biyan kuɗi, inda masu lamuni ke biyan kuɗi iri ɗaya na babba da ribar kowane wata.A farkon matakin lamuni, yawancin biyan kuɗi yana zuwa riba;A mataki na gaba, yawancin shi yana zuwa ga babban biya.Ana iya ƙididdige adadin biyan kuɗi na wata-wata ta amfani da dabara mai zuwa:
Adadin Biyan Kuɗi na wata-wata = [Babban Babban Lamuni x Adadin Riba na Watan x (1+ Yawan Riba na Watan)^Lokacin Lamuni] / [(1+Rajin Riba na Watan)^Loan Lamuni - 1]
Inda adadin ribar kowane wata ya yi daidai da adadin ribar shekara da aka raba da 12, kuma lokacin lamuni shine tsawon lokacin lamuni a cikin watanni.

2. Daidaitaccen Hanyar Babbar Hanya
Ka'idar daidaitattun hanyar ita ce biyan kuɗin da ake biya na shugaban makaranta ya kasance iri ɗaya kowane wata, amma riba tana raguwa a kowane wata tare da raguwar abin da ba a biya ba a hankali, don haka adadin kuɗin da ake biya kowane wata yana raguwa a hankali.Ana iya ƙididdige adadin kuɗin da aka biya na watan nth ta amfani da dabara mai zuwa:
Biyan Kuɗi na Watan n = (Shugabannin Lamuni / Wa'adin Lamuni) + (Babban Babban Lamuni - Jimillar Babban Mai Biyan Kuɗi) x Adadin Riba na kowane wata
Anan, jimillar shugaban da aka biya shine jimillar babban abin da aka biya a cikin (n-1) watanni.

Lura cewa hanyar lissafin da ke sama don lamunin ƙididdigewa ne kawai.Don lamuni masu daidaitawa, lissafin ya fi rikitarwa saboda ƙimar riba na iya canzawa tare da yanayin kasuwa.

Yayin da ra'ayi na ƙayyadaddun ƙididdiga da jinginar kuɗi masu daidaitawa yana da sauƙi, akwai wasu muhimman la'akari.Misali, ƙayyadaddun jinginar gida yana ba da biyan kuɗi akai-akai, amma ƙila ba za ku iya cin gajiyar ƙaramin ƙima ba idan farashin kasuwa ya faɗi.A gefe guda, yayin da jinginar kuɗin da aka daidaita-daidaitacce zai iya ba da ƙarancin riba na farko, kuna iya kasancewa ƙarƙashin matsin biyan kuɗi mafi girma idan farashin kasuwa ya tashi.Sabili da haka, masu ba da bashi suna buƙatar daidaita daidaito da haɗari, nazarin yanayin kasuwa a cikin zurfi, da yanke shawara mafi kyau.

Lokacin zabar tsakanin ƙayyadaddun ƙima ko jinginar ƙima, yana da mahimmanci a yi la'akari da yanayin kuɗin ku, haƙurin haɗari, da yanayin kasuwa.Koyi bambanci, ribobi da fursunoni, kuma koyi yadda ake lissafin kuɗin jinginar ku.Wannan ilimin yana da mahimmanci don haɓaka dabarun bada lamuni mai dacewa.Muna fatan tattaunawa a cikin wannan labarin ya taimaka muku mafi fahimta kuma ku zaɓi mafi kyawun lamuni don bukatun ku.

Sanarwa: AAA LENDINGS ne ya gyara wannan labarin;Wasu daga cikin hotunan an ɗauke su ne daga Intanet, ba a wakilta matsayin wurin kuma ba za a sake buga su ba tare da izini ba.Akwai haɗari a kasuwa kuma zuba jari ya kamata a yi hankali.Wannan labarin bai ƙunshi shawarwarin saka hannun jari na sirri ba, kuma baya yin la'akari da takamaiman manufofin saka hannun jari, yanayin kuɗi ko bukatun masu amfani ɗaya.Masu amfani yakamata suyi la'akari ko duk wani ra'ayi, ra'ayi ko ƙarshe da ke ƙunshe a nan ya dace da yanayinsu na musamman.Zuba jari daidai da haɗarin ku.