Video: Kev them nqi ua ntej nrawm yog dab tsi?
2024 Tus sau: Stanley Ellington | [email protected]. Kawg hloov kho: 2023-12-16 00:17
Prepayment ceev . Kuj hu ua ceev , kwv yees tus nqi kwv yees uas cov neeg qiv nyiaj them lawv cov nyiaj qiv ua ntej lub sijhawm, tseem ceeb hauv kev txheeb xyuas qhov txiaj ntsig ntawm cov nyiaj qiv tsev dhau los ntawm kev nyab xeeb.
Kuj paub, tus nqi them ua ntej yog dab tsi?
Kuj hu ua raws li txoj cai tus nqi them ua ntej , CPR ntsuas them ua ntej raws li feem pua ntawm cov nyiaj qiv uas tseem tshuav tam sim no. Nws ib txwm hais tawm raws li kev sib xyaw txhua xyoo tus nqi -a 10% CPR txhais tau hais tias 10% ntawm lub pas dej ua ke cov nyiaj qiv tam sim no yuav zoo li them ua ntej xyoo tom ntej.
Qhov thib ob, Puas Yog Kev Them Nqi Tsev Ua Ntej zoo? Kev Them Nqi Tsev Ua Ntej yog nyiaj txiag pab rau Nyiaj qiv tsev Cov neeg qiv nyiaj. Nws pab txo qis kev txaus siab yog li tus nqi tag nrho ntawm cov khoom. Txhua yam nuj nqis suav nrog Nyiaj qiv tsev tsis yog zoo rau kev noj qab haus huv nyiaj txiag ntawm tus kheej.
Ib yam nkaus, kev them nqi ua ntej ua ntej tsev yuav ua haujlwm li cas?
Thaum koj them nyiaj ntxiv ntawm koj cov nyiaj qiv koj txo koj tus thawj coj ncaj qha (thiab yog li nce koj li kev ncaj ncees) raws qhov nyiaj ntawd. Tab sis tos; muaj ntau! Prepaying koj nqi tsev ua rau muaj qhov cuam tshuam cuam tshuam uas ua kom nrawm dua ntawm koj cov nyiaj qiv. Thaum kawg, koj them koj cov nyiaj qiv sai dua thiab them tsawg dua hauv paj.
CPR Suspen txhais li cas?
Tus nqi them ua ntej tus nqi ( CPR ) yog qhov nyiaj them ua ntej them ua ntej sib npaug ntawm cov nyiaj qiv hauv tus thawj xibfwb uas xav tias yuav tau them ua ntej ua ntej ntawm txhua lub sijhawm. Cov laij lej no tseem ceeb heev thaum ntsuas cov khoom muaj nqis xws li cov tsev qiv nyiaj qiv nyiaj rov qab lossis lwm cov nyiaj qiv uas muaj kev nyab xeeb.
Pom zoo:
Dab tsi ua rau kev nrawm nrawm hauv daim ntawv cog lus qiv?
Ib qho kev nrawm nrawm yog feem ntau hu thaum tus qiv khoom ua txhaum daim ntawv cog lus qiv nyiaj. Piv txwv li, cov tsev qiv nyiaj feem ntau muaj cov nqe lus nrawm uas tshwm sim yog tias tus qiv tsis tau them nyiaj ntau dhau. Acceleration clauses feem ntau tshwm sim hauv kev lag luam qiv nyiaj thiab qiv tsev nyob
Puas yog kev twv ua ntej ntawm kev lag luam kev muag khoom yav tom ntej?
Kev muag khoom Forecasting yog tus txheej txheem ntawm kev kwv yees yam koj lub lag luam muag yuav yog yav tom ntej. Lub sijhawm kwv yees kev muag khoom tuaj yeem yog txhua hli, peb lub hlis twg, ib nrab xyoo, lossis ib xyoos. Lub hom phiaj ntawm kev muag khoom kwv yees yog muab cov ntaub ntawv uas koj tuaj yeem siv los txiav txim siab ua lag luam ntse
Dab tsi yog qhov txawv ntawm kev them nqi thiab kev them nyiaj ua haujlwm?
Cov nyiaj tau txais txiaj ntsig feem ntau yog muab rau cov neeg ua haujlwm ib leeg raws li lawv qhov kev ua tau zoo. Txawm hais tias qhov nyiaj tau txais txiaj ntsig thiab kev txhawb siab them nqi zog rau tus kheej ua tau zoo, kev them nqi tsim nyog tsuas yog siv los muab khoom plig rau tus kheej; Kev txhawb zog them nyiaj feem ntau muaj cov khoom plig rau tus kheej thiab koom haum
Tus Nqi Them Nqi Them Nqi Them Nqi Li Cas yog dab tsi?
Pib txij Lub Xya Hli 1, 2018, qhov pib nyob rau hauv Txoj Cai Tus Nqi Tseeb lossis Tus Nqi Them Nqi (tseem feem ntau xa mus los ntawm nws lub npe qub, Txoj Cai Qhov Tseeb hauv Kev Sib Tham (lossis TINA)) rau cov neeg cog lus xa mus rau tsoomfwv tau lees paub "tus nqi lossis cov ntaub ntawv nqi" nce ntau ntawm $ 750,000 mus rau $ 2 lab
Kev them nqi tsev them ua ntej yuav raug nplua li cas?
Muab koj tus thawj tswj hwm los ntawm qhov sib txawv (200,000 * 0.02 = 4,000). Faib tus lej ntawm lub hlis nyob rau hauv koj cov nyiaj txais los ntawm 12 thiab muab qhov no los ntawm thawj daim duab (yog tias koj muaj 24 lub hlis ntxiv ntawm koj cov nqi tsev, faib 24 los ntawm 12 kom tau 2). Multiply 4,000 * 2 = $8,000 prepayment nplua