Kuchotsera koyefishienti

Mwa mfundo zazikulu za kukhazikitsa bwino dongosolo ntchito ndi mawerengedwe a kuchotsera china. Nthawi zambiri, dongosolo ntchito, makasitomala ndi lingaliro yosokoneza za kufunika chizindikiro ichi, ndipo nthawizina musati ngakhale kumvetsetsa chifukwa chake kuli kofunika kuti tizidalira.

Discounting - ndi mawerengedwe a utuluke ndalama zimene zikukamba za m'tsogolo. Mu mawu ena - ichi ndi tanthauzo la zasungidwa tsogolo mphindi panopa.

discounting chinthu chimathandiza chaka chiopsezo ndalama ndi nthawi china. Nthawi ntchito iliyonse ndi yofunika yovuta chinthu, chifukwa ndalama amalandira pa mphindi, ndi m'malo ndalama, amene amafunika nthawi m'tsogolo. Ndipotu, "lero" amatanthauza mukhoza aganyali kapena kusunga, ndi kupeza kuchuluka kwa ndalama.

Pofuna kudziwa nthawi ya polojekiti, ayenera Pre-anapereka kutseka tsiku litamalizidwa, kuyembekezera Chiwerengero cha zaka (masiku kapena miyezi), pambuyo lomwe polojekiti adzakhala anaona mwaukadaulo zosavomerezeka. Mpaka tsiku limenelo, okha Mwachitsanzo, kugwiritsa ntchito mawu a zida ntchitoyi adzatha kupanga phindu. Kulondola unsembe wa malire nthawi n'kofunika, monga zimaonekera mu mawerengedwe a ndalama tsogolo ndi phindu dongosolo bizinesi. Kutalikitsa kapena zowononga nthawi ya polojekiti ndiyo nthawi zosiyanasiyana zimene sikhala accrual ndalama ndi m'badwo ndalama. Choncho, nthawi ya ntchito yayendera ayenera ziriri, kaya zambiri izo kuwonjezera kapena kuchepa chikoka ake.

Mtengo wa ndalama kuganizira kupeza revenues tsogolo mwachindunji akulowa chikoka cha kuwunika ntchito. Chifukwa chaichi, mlingo kuchotsera kuchita masamu utuluke ndalama. Chotero kusanthula ndi limachititsa kuunikira ndalama ndi ubwino ikuyenda mu mkombero moyo ntchito, kuwalitsa ena zachuma umayenda aliyense nyengo yoikika (kawirikawiri chaka, mwezi , kapena zaka zisanu). Zimenezi zikusonyeza ubwino ndi ndalama pa nthawi yonse ya mayendedwe amoyo ali m'njira zambiri kuti pa choona kuti mungathe bwino ntchito kuzindikira zinthu zazikulu kulimbikitsa Kapangidwe ka utuluke ndalama. Izi zikhoza kukhala mlingo wa kufufuma, kusintha mitengo ndi nkhawa, kapena ngozi.

Pamene anthu kulankhula za kuchotsera, kuwonjezera kwa amaganiza amatchulidwa mlingo kuchotsera. Kumbali zachuma, ili mlingo wa kubwerera pa likulu padera. M'mawu ena, mlingo kuchotsera limachititsa kuwerengera kuchuluka kwa ndalama kwa deti la ndalama sikhala m'tsogolo. Choncho, phindu lake amakhudza kwambiri pa zofunika kwambiri njira (kiyi). Nthawi zambiri, kuti kuwerengera ndalama kuchotsera monga kuchotsera amatenga mtengo wa ndalama chidwi. Komabe, pakati pa mfundo izi ndi kusiyana pang'ono.

The chiwongola dzanja - Kodi ndi zingati pacaka ngongole ndi, anasonyeza kuti anthu a. malipiro ngati kumachitika pa nthawi ya alipire ngongole ya. Mwachitsanzo, kutenga 1000 USD chaka chimodzi ndi chiwongola dzanja ndi 20%, ndiye kumayambiriro kwa nyengo ya banki adzakhala apereke 1,000 USD manja, ndipo pamapeto ake ayenera kubwerera 1000 USD, pamodzi ndi chidwi pa ngongole ndi (200 USD), okwana - 1200 USD.

Mlingo kuchotsera Angagwiritsidwenso ntchito kusonyeza mtengo wa ngongole, koma mu nkhani iyi kuchuluka kwa ngongole ya yafupika kuchuluka chidwi pa izo. Ngati banki amapereka kuti apereke ngongole ya $ 1000 USD chaka chimodzi ndi mlingo kuchotsera 20%, mikono chikalata USD 800, ndipo pamapeto akuti ayenera kubwerera 1000 USD.

Choncho, discounting m'tsogolo kubweretsa ndalama pa mtengo wa tsiku panopa, ndi kuchepetsa kuti nthawi iliyonse anakonzeratu za polojekiti.

Mawerengedwe a mlingo kuchotsera malinga ndi njira:

Kd - discounting chinthu,

ine - kuchotsera (chidwi) mlingo,

N - ndi ordinal chiwerengero nyengo. Mwachitsanzo, chaka choyamba ndi 1, chifukwa wachisanu - 5.