Xisaabiyaha deynta baabuurka
Qiyaas deynta gaari ee Sweden: lacagta bille, wadarta ribada, iyo kharashka guud iyadoo lagu saleynayo qiimaha, lacagta hormariska, dulsaarka, muddada, iyo qiimaha hadhaaga/balloon.
Su'aalaha inta badan la is weydiiyo
Waa maxay qiimaha hadhay (balloon) ee amaahda baabuurka?
Qiimaha hadhay (balloon) waa lacagta ku hartay in la bixiyo dhammaadka muddada. Waxay yareysaa lacag-bixinta bil kasta, laakiin waa inaad qorsheysaa bixinta ugu dambeysa (bixin, dib-u-maalgeli, ama iibso baabuurka).
Ma yareeyaa kharashka guud haddii lacag hore (down payment) la bixiyo?
Badanaa haa. Lacag hore oo badan waxay yaraysaa inta la amaahdo waxayna hoos u dhigtaa dulsaar guud. Waxay sidoo kale kaa caawin kartaa shuruudo ka fiican.
Maxay laba amaah oo dulsaar isku mid ah u yeelan karaan lacag-bixin bille oo kala duwan?
Lacag-bixinta bil kasta waxay ku xiran tahay inta la maalgeliyay, muddada, iyo haddii balloon/jamci hadhay jiro. Kharashaad iyo sida dulsaarka loo xisaabiyo ayaa sidoo kale saameyn kara kharashka dhabta ah.
Maxaan isbarbardhigaa marka aan dooranayo dalabyo kala duwan?
Isbarbardhig APR/heerka waxtarka leh, kharashaadka, dulsaar guud, kharashka guud oo ay ku jirto balloon, iyo waxa dhaca dhammaadka muddada. Lacag-bixinta ugu hooseysa mar walba ma aha tan ugu jaban guud ahaan.
Sababta qiimaha hadhaagu muhiim u yahay
Qiime hadhaag oo sarreeya ayaa yareeya lacagta bille, laakiin lacag weyn ayaa ka hartay dhamaadka muddada ama marka la dib-u-maalgeliyo. Kala saaristiisu waxay ku tusaysaa saameynta bille iyo kharashka guud.
Lacag hormaris ah oo badan ayaa ribada yaraata
Haddii aad dhigto lacag hormaris oo badan, waxaad yareynaysaa deynta iyo ribada guud. Tijaabi heerar kala duwan si aad u aragto kaydka muddada oo dhan.
Qorshee kharashka guud
Marka laga reebo lacagta bille, ku dar qiimaha hadhaaga iyo ribada guud si aad u fahamto kharashka dhabta ah ee gaadhiga. U isticmaal tan inaad ku barbardhigto maalgelin kale ama leasing.
Amaahda baabuurka: qiyaas lacag-bixinta bil kasta iyo kharashka guud
Lacag-bixinta bil kasta waxay u muuqan kartaa mid hoose, balse kharashka dhabta ah wuxuu ku xiran yahay dulsaarka, kharashaadka, muddada, iyo haddii uu jiro qiime hadhay (balloon) dhammaadka. Xisaabiyahani wuxuu kaa caawinayaa inaad isbarbardhigto dhowr xaaladood.
Sida amaahda baabuurku u shaqeyso
Inta badan waxaa ku jira:
- Lacag hore (down payment): waxa aad bixiso bilowga.
- Inta la maalgeliyo: qiimaha minus lacagta hore.
- Dulsaar: kharashka amaahda.
- Muddada: inta aad bixinayso.
- Kharashaad: khidmad dejin ama khidmad bille.
- Qiime hadhay (balloon): bixin weyn oo ugu dambeysa.
Bixin bille vs kharash guud
Bixin bille oo hoose badanaa waxay timaadaa marka muddada la dheereeyo ama balloon la daro. Taasi waxay kordhin kartaa dulsaarka guud.
Marka aad isbarbardhigto dalabyada, eeg:
- Dulsaar guud
- Kharashaad (hal-mar iyo kuwo soo noqnoqda)
- Kharash guud oo ay ku jirto bixinta ugu dambeysa
Talooyin
- Isbarbardhig heerka waxtarka leh iyo kharashaadka.
- Hubi shuruudaha bixinta ka hor waqtigeeda.
- Tixgeli hoos u dhaca qiimaha baabuurka oo yeelo keyd yar.
- Tijaabi xaalado kala duwan adigoo adeegsanaya xisaabiyaha.
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