កុំព្យូទ័រពិន័យសម្រាប់ការបង់ប្រាក់មុន
វាយតម្លៃពិន័យសម្រាប់ការបង់ប្រាក់ឥណទានផ្ទះរបស់អ្នកមុនពេលកំណត់ប្រាក់ខែបន្ត។
Additional Information and Definitions
សមតុល្យឥណទានដើម
សមតុល្យឥណទានផ្ទះបច្ចុប្បន្នរបស់អ្នក។ នេះគួរតែបង្ហាញថាតើអ្នកនៅតែជំពាក់ប៉ុន្មាន។
អត្រាការប្រាក់ប្រចាំឆ្នាំ (%)
អត្រាការប្រាក់ប្រចាំឆ្នាំរបស់ឥណទានបច្ចុប្បន្នរបស់អ្នក។ ឧ. ៦ មានន័យថា ៦%។
ខែដែលនៅសល់
មានខែប៉ុន្មាននៅសល់រហូតដល់ឥណទានរបស់អ្នកត្រូវបានបង់ប្រាក់ពេញលេញ។
វិធីពិន័យ
ជ្រើសរើសថាតើពិន័យឥណទានរបស់អ្នកត្រូវបានកំណត់យ៉ាងដូចម្តេច៖ ពិន័យ ៣ ខែ ការប្រាក់ខុស ឬអ្វីដែលខ្ពស់ជាងគេ។
ការប្រាក់ខុស (IRD) (%)
ប្រសិនបើប្រើវិធី IRD ការខុសរវាងអត្រាដែលចាស់និងអត្រាបច្ចុប្បន្នថ្មី។ ឧ. ប្រសិនបើអ្នកមាន ៦% ប៉ុន្តែអត្រាថ្មីគឺ ៤% ការខុសគឺ ២។
ខែពិន័យ IRD
ចំនួនខែដែលប្រើសម្រាប់គណនាពិន័យដែលផ្អែកលើ IRD។ ជាញឹកញាប់ ៦-១២ ខែក្នុងតំបន់ខ្លះ។
ការបង់ប្រាក់មុនឬរក្សាការបង់ប្រាក់?
ស្វែងរកថាតើអ្នកអាចសន្សំបានប៉ុន្មានក្នុងរយៈពេល ១២ ខែក្រោយ។
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ពាក្យពិន័យបង់មុន
យល់ដឹងអំពីគំនិតសំខាន់ៗនៅពីក្រោយថ្លៃកំណត់ការបង់ប្រាក់មុន៖
ពិន័យការប្រាក់ ៣ ខែ:
ពិន័យសាមញ្ញស្មើនឹងការប្រាក់ ៣ ខែ។ ជាញឹកញាប់ប្រើដោយអ្នកផ្តល់ឥណទានជាពិន័យតិចតួចស្តង់ដា។ វាជួយឱ្យពួកគេអាចស្ដារប្រាក់ចំណេញខ្លះ។
ការប្រាក់ខុស (IRD):
វិធីដែលប្រៀបធៀបអត្រារបស់ឥណទានរបស់អ្នកជាមួយអត្រាបច្ចុប្បន្ន។ ពិន័យគ្របដណ្តប់ការបាត់បង់ដែលអាចកើតមានរបស់អ្នកផ្តល់ឥណទានសម្រាប់ខែដែលនៅសល់។
ខែដែលនៅសល់:
ចំនួនខែសរុបនៅសល់លើឥណទានរបស់អ្នកប្រសិនបើអ្នកបន្តការបង់ប្រាក់ធម្មតា។ វាត្រូវបានប្រើក្នុងការគណនាថ្លៃការប្រាក់ដែលអាចកើតមាន។
ខែពិន័យ:
ប្រើក្នុងរូបមន្ត IRD ដើម្បីកំណត់ថាតើមានខែប៉ុន្មាននៃការខុសក្នុងការប្រាក់ដែលគួរត្រូវបានគិតជាពិន័យទៅអ្នក។
ข้อเท็จจริงที่น่าประหลาดใจ ៥ ประการเกี่ยวกับการชำระเงินจำนองล่วงหน้า
เมื่อใดที่การชำระเงินจำนองล่วงหน้ามีเหตุผล? นี่คือข้อมูลที่ไม่ค่อยมีคนรู้จักบางประการ
1.คะแนนเครดิตของคุณอาจลดลงชั่วคราว
การชำระหนี้จำนวนมากอาจทำให้การใช้เครดิตของคุณลดลงในระยะสั้น แต่จะฟื้นตัวอย่างรวดเร็วเมื่อทุกอย่างได้รับการอัปเดต
2.ผู้ให้กู้บางรายยกเว้น IRD ในโอกาสพิเศษ
ผู้ให้กู้บางรายมีวันหยุดหรือโปรโมชั่นที่พวกเขาลดหรือยกเว้นค่าปรับ IRD หากคุณปฏิบัติตามเงื่อนไขบางประการ
3.การ 'ลดระยะเวลา' ของจำนองบางครั้งดีกว่าการรีไฟแนนซ์
แทนที่จะรีไฟแนนซ์ การจ่ายเงินก้อนหรือการชำระเงินที่มากขึ้นอาจช่วยประหยัดดอกเบี้ยได้มากขึ้นหากอัตราที่มีอยู่ของคุณดีอยู่แล้ว
4.ประโยชน์ทางจิตวิทยาเป็นเรื่องจริง
เจ้าของบ้านมักรายงานว่ารู้สึกเครียดน้อยลงเมื่อพวกเขาหมดหนี้จำนอง แม้ว่าคณิตศาสตร์จะไม่แสดงการประหยัดที่มากเสมอไป
5.สอบถามเกี่ยวกับการพอร์ตจำนอง
ในบางภูมิภาค คุณสามารถ 'พอร์ต' จำนองที่มีอยู่ของคุณไปยังบ้านใหม่ โดยรักษาอัตราและเงื่อนไขปัจจุบันของคุณไว้ ทำให้หลีกเลี่ยงค่าปรับได้ทั้งหมด