Kunyange zvazvo vese vashumiri vehurumende vanofanira kuchengeta chigaro chebato rehurumende zvitatu mupfungwa, chikuru chekubhadhara mari mari yevashandi vehurumende ndeyegore rinopiwa nehurongwa hwavo hwokurasikirwa .
Iko kuverenga kwebhadharo ye annuity kunokanganisa zvose apo mushandi anogona kukwanisa kusiya basa uye mararamiro akaita mushandi uyo achararama mukurasira.
Vanhu vashomanana vanogona kukwanisa kupedza basa pamasikati avo ekufanirwa kubhadhara . Zvinoreva kuti vashandi vanowanzoshanda kunze kwemazuva avo ekugadzirira kubhadhara uye vanodzika matanho avo chaiwo ekurega basa pamari yemari yavo yegore negore.
Kusiyana Kuviri uye Rimwe Kwose
Muhurumende yakawanda yekurasikirwa kwemitemo, zvigadziriswa zviviri zvinotarisa kuti mari yevashandi ichave yakadini: mubhadharo wevashandi nemakore ekushanda kwemushandi. Kunyange zvazvo zera chiri chikonzero pakusarudza kubhadhara basa rekugara, hazviwanzoshandiswa pakusarudza mari yekubhadhara mari.
Mishandirapamwe yehurumende inoda imwe nhamba yekubhadhara kuti ivhare muzvigadziro zvavo zvekugadzirisa vashandi vachirasira annuity. Vanoshandisa mubhadharo mushandi anowana mumakore avo mashomanana ekukwanisa kuwana. Zvizhinji zvehurongwa zvinoshandisa pakati pemakore matatu nemashanu mubasa iri.
Vanoenzanisa nemisha yekutambira kuti vawane imwe yenhamba yemari.
Semuenzaniso, chirongwa chekurasikirwa chinotarisa mubhadharo wevashandi pamakore matatu emakore ekubhadhara. Mumwe mushandi anowana $ 61,000, $ 62,000, uye $ 66,000 mumakore ake matatu ekukwirira zvikuru. Aya nhamba nhatu akaenzana kuti aone mari yevashandi sezvo ichienderana nekusunungurwa kwemakore.
Nechinangwa chekuverenga uyu mushandi wekurega basa, mushandi wevashandi i $ 63,000:
($ 61,000 + $ 62,000 + $ 66,000) / 3 = $ 63,000
Makore ekushanda zvakajeka kuti aone kupfuura iyo imwe nhamba yemari. Nhamba iyi inongova nguva yenguva iyo mushandi anobatsira pakuita basa rekurega basa. Mumwe nomumwe anobhadhara nguva iyo mushandi anobatsira kumusangano wekusunungurwa anowana mushandi webasa rebasa rinoenderana nekukwana kwemazuva munguva yekubhadhara.
Pane chimwe chimwe chinhu mubhadharo yekubhadhara kwemakore. Icho chikamu chinoshandiswa kuti mumoyo chaiyo chinotaurira kuti yakawanda yeiyo yakatarwa mubhadharo yemari inoratidzira mumwaka wegore negore rebasa. Icho chinotsanangurwa refu uye zvichida chinokanganisa, asi chinonzwisisika mune imwe muenzaniso.
Kushandisa $ 63,000 mubhadharo mumuenzaniso wedu pamusoro apa, ngatitii mushandi ane makore makumi matatu ekushandira muhurongwa hwekurega basa. Ngatitaurirewo kuti gore negore rebasa uye mushandi anogamuchira 2.0% yemutengo wemari. Heino kuverenga kunoratidzirwa semathematical formula:
Mitsara X Makore X Mitezo = Imari
Heino muenzaniso wedu unoshandiswa kumutsara:
$ 63,000 X 30 X 2.0% = $ 37,800
Uyu mushandi aiwanzoita kuwana $ 63,000 pagore, asi iye zvino, uyu mushandi anowana mari yehurumende zvishoma.
Iko $ 37,800 inobhadharwa zvikamu zvemwedzi zve $ 3, 150. Tariro, mushandi ane mari yakakwana yokuchengetedza mari uye yeHindu Security mari yekubhadhara kuti kuderedzwa.
Zvino, ngatitii mushandi mumwe chete anoshanda makore makumi mana pane kubvisa shure 30. Heino chirevo chitsva:
$ 63,000 X 40 X 2.0% = $ 50,400
Nokunonoka kubhadhara kwemakore gumi, mushandi mumuenzaniso uyu anowedzera mari yake yekurega mari ne $ 12 600 pagore. Izvi zvinoshandura kune imwe $ 1,050 pamwedzi; zvisinei, mushandi wacho anopa mari kumutambo wekusunungurwa kwemakore gumi nemakore paanenge achirega kubhadhara mari yemakore gumi iwayo.
COLAs
Kubhadhara mari inoshandiswa kwemari yakasarudzwa inokonzerwa nemigero yemari. Nzvimbo dzisina kujairika, iyo annuity inobata mushandi ane kodzero yekubvisa mari yekusununguka ndiyo gore rinoshandiswa nemushandi. Zviwanikwa zvinogona kuwedzera nekugadzirisa -ku-kuraramisa mararamiro .
Mishonga yokurega basa inopa COLAs mune imwe yenzira mbiri. Nzira yekutanga ndeyekuti hurongwa hupi hupi hwekupa maCORAs zvakagadzikana kubva pane zvakagadziriswa deta zvakadai seIndaneti yeVakatengi kwezuva rakatarwa. Imwe nzira ndeyokutonga kwehurumende yekutora mari kana kuti kutarisira mutemo wemitemo kupa COLA nekuvhota. Apo maCOLA ari pasi pezvematongerwo enyika, zvirevo zvinowanzotungamirirwa nechinangwa chezvinyorwa asi zvinogona kugadziriswa kuburikidza nemutemo wekutonga.