Cov txheej txheem:

Tus qauv them nqi tsev txhua hli yog dab tsi?
Tus qauv them nqi tsev txhua hli yog dab tsi?

Video: Tus qauv them nqi tsev txhua hli yog dab tsi?

Video: Tus qauv them nqi tsev txhua hli yog dab tsi?
Video: Puas Xav Tau Zoo Nqi Zog music video 2024, Kaum ib hlis
Anonim

Yog koj xav ua tus kev them nqi tsev txhua hli xam los ntawm tes, koj yuav xav tau cov txhua hli paj laum - tsuas yog faib cov paj laum txhua xyoo los ntawm 12 (tus naj npawb ntawm lub hlis hauv ib xyoos). Piv txwv li, yog tias tus paj laum txhua xyoo yog 4%, qhov txhua hli Cov paj laum yuav yog 0.33% (0.04/12 = 0.0033).

Nyob rau hauv no hais txog, koj yuav ua li cas xam cov nyiaj them txhua hli?

Txhawm rau xam cov nyiaj them txhua hli, hloov cov feem pua rau hom lej, tom qab ntawd ua raws li cov qauv:

  1. a: 100,000, tus nqi qiv nyiaj.
  2. r: 0.005 (6% txhua xyoo tus nqi-qhia raws li 0.06-sib faib los ntawm 12 cov nyiaj them txhua hli hauv ib xyoos)
  3. n: 360 (12 lub hlis them nyiaj ib xyoos ib zaug 30 xyoo)
  4. Kev suav: 100,000 / {[(1+0.

Kuj Paub, yog dab tsi yog qhov kev them nqi tsev ntawm $ 150 000 lub tsev? Txhua hli kev them nqi ntawm $150,000 nqi tsev Ntawm 4% cov paj laum tas, koj lub hli kev them nqi tsev nyob rau hauv 30 xyoo nqi tsev tej zaum yuav tag nrho $716.12 ib hlis, thaum 15-xyoo yuav raug nqi $1,109.53 ib hlis.

Yog li ntawd, koj yuav ua li cas xam tus nqi tag nrho ntawm lub tsev qiv nyiaj?

Yuav ua li cas xam tus nqi tag nrho ntawm koj cov nyiaj txais

  1. N = Tus naj npawb ntawm lub sij hawm (tus naj npawb ntawm cov nyiaj txais tsev txhua hli)
  2. M = Tus nqi them txhua hli, xam los ntawm ntu kawg.
  3. P = Tus nqi tseem ceeb (tag nrho cov nyiaj qiv, rho tawm cov nyiaj them poob qis)

Tus paj laum tam sim no yog dab tsi?

Cov nqi tsev tam sim no thiab cov nyiaj rov qab

Khoom Cov paj laum APR
30-Xyoo Fixed-Rate VA 3.125% 3.477%
20-Xyoo Tus Nqi Kho 3.49% 3.635%
15-Xyoo Tiav Tus Nqi 3.0% 3.148%
7/1 AWM 3.125% 3.759%

Pom zoo: