Dab tsi yog 15 xyoo balloon mortgage?
Dab tsi yog 15 xyoo balloon mortgage?

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Video: Dab tsi yog 15 xyoo balloon mortgage?
Video: Loan Amortization and Balloon Payments Using MS Excel 2024, Kaum ib hlis
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A 30/ 15 balloon qiv qiv yog a 15 - xyoo qiv. Lub "30" sawv cev rau lub sij hawm amortization, uas yog xam rau 30 xyoo , thiab " 15 " stands for the length of the loan. A 30/ 15 qiv tsuas yog 15 xyoo , tab sis cov nyiaj them yog raws li 30 xyoo qiv.

Yog li ntawd, puas yog balloon them nqi tsev yog ib lub tswv yim zoo?

Hauv kev xav, a balloon qiv suab zoo li ib tswv yim zoo rau cov neeg yuav khoom hauv tsev hauv qee qhov xwm txheej, tab sis nco ntsoov koj xav txog qhov kev pheej hmoo rov qab los cuam tshuam nrog cov nyiaj qiv. Yog thawj lub sij hawm ntawm koj balloon qiv khiav tawm, thiab koj lub tsev muaj nqi tsawg dua koj tshuav, tsis muaj qiv yuav rov qab them koj li nqi tsev.

Kuj Paub, yog dab tsi yog qhov kev qiv nyiaj zais pa? A zais pa kev them nyiaj nqi tsev yog a nqi tsev uas tsis tag nrho amortize nyob rau lub sij hawm ntawm daim ntawv, yog li tawm hauv qhov nyiaj tshuav ntawm kev loj hlob. Qhov nyiaj them kawg yog hu ua a zais pa kev them nyiaj vim nws loj loj. Balloon kev them nyiaj tsev txhab nyiaj muaj ntau dua nyob rau hauv kev lag luam vaj tse ntau dua li cov vaj tsev nyob.

Tom qab ntawd, ib tug kuj yuav nug, dab tsi yog qhov piv txwv ntawm kev them nyiaj balloon?

Txhais: Balloon them nyiaj yog cov nyiaj tag nrho kev them nyiaj uas yog txuas rau a qiv , qiv nyiaj, lossis kev lag luam qiv . Yog a qiv muaj a kev them nqi zais pa tom qab ntawd tus neeg qiv nyiaj yuav tuaj yeem txuag tau tus nqi paj ntawm cov paj laum txhua lub hlis. Rau piv txwv , tus neeg ABC siv a qiv rau 10 xyoo.

Dab tsi yog 7 xyoo balloon qiv nyiaj?

A balloon qiv feem ntau yog luv luv, nrog lub sij hawm ntawm 5 xyoo rau 7 xyoo , tab sis kev them nyiaj yog raws li lub sijhawm ntawm 30 xyoo . Lawv feem ntau muaj tus nqi qis dua, thiab nws tuaj yeem yooj yim dua kom tsim nyog tshaj li ib txwm 30- xyoo - kho nqi tsev.

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