Lomlingani isaphulelo

Phakathi iingongoma eziphambili nokuphunyezwa ngempumelelo kwe isicwangciso soshishino na ekubaleni isaphulelo factor. Amaxesha amaninzi, isicwangciso soshishino, abathengi babe nembono emfiliba ngokubaluleka kwalo parameter, baqiqe ngamanye amaxesha musa nokuba kutheni kuyimfuneko ukwazi ukubala.

Kumaxabiso - ke ekubaleni imali engenayo enxulumene kwixesha elizayo. Ngamanye amazwi - oku inkcazo imivuzo elizayo eyeyomzuzwana yangoku.

kumaxabiso into yenza ukuba ukuqikelela ingozi yotyalo-mali kunye nexesha factor. Ixesha nayiphi na iprojekthi yinto ebalulekileyo kakhulu, kuba imali ifunyenwe ngalo mzuzu, ekhethwa phezu imali, nto leyo kulindeleke kwixesha elizayo. Ngapha koko, "namhlanje" kuthetha ukuba imali okanye ukugcina, kwaye ufumane ipesenti yengeniso.

Ukuze kumiselwe ixesha le projekthi, kufuneka pre-ukubeka umhla wokuvalwa sokugqitywa yayo, kwinani leminyaka (iintsuku okanye iinyanga), emva koko iprojekthi iza kuthathwa indlela engamkelekanga. De ufike laa mhla, umda, umzekelo, ukusetyenziswa elithi kwezixhobo, le projekthi iza kuba nako ukwenza iingeniso. Ukuchaneka kokufakwa amaxesha kubalulekile, njengoko kubonakala ukubala iindleko elizayo kunye neenzuzo kwisicwangciso soshishino. Kululwa okanye kuphungulwe ixesha eliqhubekekayo le projekthi limisela ixesha uluhlu apho accrual okulindelekileyo kwamaxabiso kunye ingeniso. Ngoko ke, ixesha uvavanyo lwale projekthi kufuneka bayile, nokuba uya kwandisa okanye ukunciphisa nomtsalane yayo kangakanani.

Ixabiso lemali ucinga ukufumana ingeniso elizayo engena ngqo nomtsalane uhlalutyo projekthi. Ukulungiselela le njongo, umlinganiselo isaphulelo ibalwa enabela. Loo Uhlalutyo yenza kube lula ukuvavanya iindleko kunye nenzuzo flow kuwo wonke umjikelo wobomi projekthi, ebonisa ngemali ethile yhuu ngexesha ngalinye elisisigxina (ngokuqhelekileyo nyaka, ngenyanga , okanye iminyaka emihlanu). Oku kubonakala inzuzo neendleko lonke ixesha zomjikelo ubomi kwiqela lokulungileyo belele yokuba uyakwazi ukubona ngokucacileyo eyona miba ephambili eziphembelela isakhiwo enabela. Lo isenokuba kuneqondo lokunyuka kwamaxabiso, utshintsho kwamaxabiso kunye nokungaqiniseki okanye ingozi.

Xa abantu bethetha isaphulelo, ukongeza ukuyicazulula izinga isaphulelo ngawo. Ngokwalo kwezoqoqosho, le izinga imbuyekezo kwi eyinkunzi imali. Ngamanye amazwi, izinga isaphulelo yenza kube lula ukubala ubungakanani investment kwi umhla ingeniso ezilindelekileyo kwixesha elizayo. Ngoko ke, ixabiso layo inempembelelo ebalulekileyo kwi ibalulekileyo izisombululo (key). Amaxesha amaninzi, ukuze ubale umlinganiselo isaphulelo njengoko isaphulelo kuthatha ixabiso izinga lenzala. Noko ke, phakathi kwezi ngongoma kufuneka umahluko okungephi.

Umlinganiselo wenzala - ngumrhumo yonyaka-mboleko, wavakalisa njengepesenti. intlawulo kwenzeka ngexesha ukuhlawula imali-mboleko. Ukuba, umzekelo, ukuthatha 1000 USD unyaka omnye kwaye umyinge wenzala yi-20%, ngoko ekuqaleni kwethuba ibhanki iya kukhupha 1,000 USD izandla, kwaye ekupheleni kwakhe kuya kufuneka ukuba sibuyele 1000 USD, kunye nenzala kwi-mboleko (USD 200), iyonke - 1200 USD.

Izinga isaphulelo nazo olusetyenzisiweyo ukulicacisa ixabiso letyala, kodwa kule meko imali-mboleko kuncitshiswa isixa kwenzala kuyo. Ukuba ibhanki inikeza ukukhupha amboleke $ 1000 USD unyaka omnye ngereyithi isaphulelo ka-20%, iingalo ezikhutshiweyo USD 800, yaye ekupheleni kuka-1000 kuya kufuneka ukuba ukubuyela USD.

Ngoko ke, kumaxabiso ikamva kukuzisa isixa semali ukuya ixabiso umhla wangoku, ngokunciphisa ukuba ixesha ngalinye igqitywe le projekthi.

Ukubalwa izinga isaphulelo ngokomgaqo wokubala:

KD - kumaxabiso factor,

i - isaphulelo (inzala) rate,

n - inani ngokokuma kwento kwexesha. Umzekelo, kunyaka wokuqala ngayo 1, kuba sesihlanu - 5.