Ezintanjeni, isixhobo zemali, ubude - lo iimpawu zazo

Ubude (ukusuka ixesha IsiNgesi - ixesha «") - ligama mali uchaza ixesha avareji kufunyenwe intlawulo. Oku kusetyenziswa ukubala ingeniso izitropu. Kubalo kusetyenziswa izaphulelo iindleko imisinga data kweentlawulo. Ukuba yempahla umsebenzi yengeniso, ubude - ngumlinganiselo ubukhali ukwanda okanye ukuncipha kwinqanaba amanani. Le ukusetyenziswa kabini lo gama idla ngumthombo lihlazo. Ngenxa yoko, kweli nqaku siza kuzama ukuqonda ukubaluleka kwezoqoqosho kolu luvo, kwakunye neempawu zawo.

le nkcazelo

Ngokwenene, ubude - ligama evavanyiweyo zokufumana lokumpompoza intlawulo. Elo lixabiso imbi kule kota isifundo Makoley, xa siqala zibe ukusetyenziswa yenzululwazi. Ubude - oku isixa avareji kwentlawulo epheleleyo ukhuseleko, ukususela namhlanje ukuya ekupheleni ebudaleni. Ukuze kubalwe le isalathisi msebenzi eyiyo esisigxina nokuphuma kwemali. Ngamagama alula, ubude iqhina lilingana nenani leminyaka ebekwe bucala uhlawule yayo, okt. E. A ixabiso ukusuka kwiqanda ukuya ekupheleni kwexesha.

Yintoni na ixesha modified?

Intsingiselo lesibini eli gama lendlele ikwasetyenziswa ekudla ngokuba ngokwezoqoqosho. Kulo mzekelo, ubude - yipesenti utshintsho amaxabiso ukuphendula ukuncipha okanye ukwanda kwengeniso. Esi salathisi lisetyenziswa lwezixhobo zemali ingqalelo iinguqu ekhulwini kunye nokuphuma non-lawulo wemali. Oku kusetyenziswa kaninzi ngaphezu ifomula ixesha Macaulay.

ngezigaba izibopho

Olu hlobo ukhuseleko isetyenziswa kunye nemithi. Bond Certificate of yokwenza imali lomniniyo kunye uqinisekisa ngembopheleleko sobunyani ukuhlawula kubo, ngokunjalo ipesenti ethile ngomhla omiselweyo. Ezi izibambiso zidla kusetyenziswa ekuhlawuleni eshotayo mali karhulumente. Yaba nezivumelwano zokubambisa yaye imixokelelwane engakhuselwanga. Uhlobo lokuqala inokuthenjwa, kuba xa kukho ukusilela kweemeko mbuyiselo sobunyani ithe ubumnini bepropati egameni lomnini lwezokhuseleko. Kuxhomekeka bokudlala kwekota, zabele imixokelelwane elifutshane, eliphakathi nezexesha elide. Xa uhlobo sobunyani - karhulumente, kamasipala, lweziko kunye ngamazwe. Kuxhomekeka umyalelo kobunini - obhalisiweyo nomphathi. bond Callable kungenziwa ngentlawulelo ngaphambi kwexesha ngokomrhumo okanye ngaphandle kwayo. Ilungelo lokubuya kuvumela umnini kwizabelo yokuqala ukuya nomnikezi zabo zexabiso. Lukwalungiselela landiswa kunye senziwa izitropu. Okokuqala ilungelo mali ukuqhubeka ukufumana inzala emva kwexesha elithile osikiweyo yokuqala. Le yokugqibela ilungelo umnikeli yokulibazisa lokuhlawula ityala layo.

Ukusetyenziswa kombono

Kwiimeko ezininzi nokusebenza iintlobo ezimbini ubude kufutshane, ukuba ayilungelelene. Kwaye ingasetyenziswa xa kusenziwa izigqibo ezibalulekileyo zemali. Umzekelo, ubude neentambo Macaulay nama-10 iminyaka (oku kukuthi ixesha lokuvuthwa kwazo ngokupheleleyo). Oku kuthetha ukuba uvakalelo lwabo ixabiso - malunga ne-10%.

yokubala kwezalathisi

Macaulay, okanye imijelo ingeniso ixesha lazo iintlawulo libalwa ngokusekelwe kwezalathisi ezintathu. Phakathi kwabo:

• PVi - ixabiso njengangoku i-flow ukusuka asethi;
• ti - ixesha iminyaka de inxalenye ethile imali;
• V - ixabiso ingeniso elizayo ukusuka asethi.

Ifomula kule meko ngolu hlobo lulandelayo: x Σti PVi: V.

ubungozi izibopho

Uphakamile ingeniso elindelekileyo kwi-asethi, kokukhona ilahleko, ukuba kukho into ehamba kakubi. Kuba kwabadlali kwimarike zemali owona mthombo womvuzo - lomngcipheko. Ukhanyise iingxaki ezisisiseko kunye nezasesekondari ezinxulumene ngemixokelelwane. Umngcipheko Credit inxulumene nenyaniso yokuba sobunyani ihambe yimali. State ukuze ngokutsha iintlawulo ezintanjeni, njengoko kwakunjalo ngexesha Greece engagqibekanga kutshanje. Umngcipheko yesibini kunxulumene yokunqongophala amatyala. Oku kuthetha ukuba ixabiso lokuthengwa lingaba ngaphantsi xa uthenga. Ukuba isiseko kwakhona ingozi leyo lu dityanisiwe kwenzala. Ngenxa yokwanda amaxabiso zabo bond kuhla. Ngoko ke, ngawo lo mzuzu kuba disadvantageous kakhulu ukuba athengise kubo. Ekugqibeleni, lo ebalulekileyo umngcipheko nezivuno yehlile ngenxa okungazinzi weerhafu yokutshintsha imali.

iingxaki ezincinane

Ukongeza kumngcipheko ezine ezisisiseko, ukubeka ngakumbi nangakumbi, nayo leyo ekufuneka ukuba zithathelwe ingqalelo xa imali yayo. Okokuqala libhekisela ingxaki ezinxulumene notshintsho kwi olusebenzayo wenzala. Kubalulekile umncipheko kwamaxabiso. Nangona kunjalo, imali akayi zifakwe, devalued kulo mzekelo nangakumbi. Thatha ingqalelo imfuno kunye lokuba lu dityanisiwe iinketho call. Ukuba isibopho ithuba ngentlawulelo yokuqala, inokuba ngesiquphe bayeke ingeniso. Ngoko ke, kufuneka ufundisise emibuzo neememo. Ukubalwa ithuba unika mali ingcinga ukungabikho kozinzo lwe iqhina. La manani umlinganiselo ngqo. A iqhina zethuba elide kuba nomtsalane beyifuna. Isicwangciso sabo ejoliswe ukwandisa isambuku yayo ekuhambeni kwexesha.