Payback nthawi: chilinganizo. Kuphatikana ndi phindu

Chilinganizo recoupment ndi chizindikiro zofunika pamene potaya. Nthawi payback kwa ndalama n'kofunika kwambiri. Iye anafotokozanso mmene lonse ndi madzi ndi zopezera ndalama ntchito. Kwa mtima lolondola la ndalama mulingo woyenera, ndikofunika kumvetsetsa mmene likukhalira ndi masamu index.

Tanthauzo la mawerengedwe a

Chimodzi mwa zizindikiro zofunika kwambiri akamaona mphamvu ya ndalama - payback nthawi. Ndondomeko ikusonyeza kuti zimene nthawi ndi ndalama kuchokera ntchito chidzawavindikira ndalama zonse sanali chosatha kwa iwo. njira limachititsa kuwerengera nthawi ya obwezeredwa, motero correlates ndi Investor ndi yosafuna ndi cholandirika ake yaitali.

kusanthula Economic zimaphatikizapo kugwiritsa ntchito njira zosiyanasiyana kuti mawerengedwe a zokhazikitsidwa anati. Izo ntchito, ngati anagwira kusanthula poyerekeza kudziwa ntchito kopindulitsa kwambiri. Nkofunika mu nkhani iyi kuti si ntchito monga waukulu ndi njira yokha, ndi kuchita masamu ndi kusanthula molumikizana ndi ena, kusonyeza mphamvu ya njira makamaka ndalama.

Mawerengedwe a mawu a alipire ndalama monga mbali yaikulu angagwiritsidwe ntchito, ngati kampani umalimbana phindu mofulumira ndalama. Mwachitsanzo, posankha njira za kusintha.

Ceteris paribus anatengedwa kugwiritsa ntchito, imene ili nthawi zing'onozing'ono alipire.

Bwererani ndalama - chilinganizo kusonyeza chiwerengero cha nthawi (miyezi kapena zaka) zimene Investor adzabwerera ndalama yanu yonse. M'mawu ena, nthawi ili cha alipire. Tiyenera kukumbukira kuti dzina lake nthawi akhale wamfupi kusiyana kutalika kwa nthawi imene ntchito ngongole kunja.

Kodi koyenera kuti mawerengedwe a

Payback nthawi (chilinganizo ntchito) kumapereka lingaliro kudziwa zizindikiro izi:

• ndalama ikugwiridwira - Izi zikuphatikizapo ndalama zonse kuyambira chiyambi chake;
• zopeza asanachotse m'chaka - phindu kwa kukwaniritsidwa kwa ntchito kwa chaka chimodzi, koma ukonde wa ndalama zonse, kuphatikizapo misonkho;
• Depreciation kwa nyengo (chilichonse) - kuchuluka kwa ndalama zomwe akhala ntchito pa kutukula kapangidwe ndi njira kukhazikitsa (wamakono ndi kukonza zida, bwino luso, etc.);
• ndalama nthawi (kutanthauza ndalama).

Ndipo kuwerengera Kuchotsera nthawi ya kubwerera pa ndalama, n'kofunika kuganizira:

• kubera ndalama zonse panthawi malipoti;
• kuchotsera mlingo;
• nthawi zimene kuchotsera;
• koyamba Msungidwe kuchuluka.

Tikutsata ndondomeko za kuwerengetsa ndi payback

Tanthauzo la nthawi ndalama kubwerera zikuchitika chikhalidwe chiphaso cha zopeza asanachotse kwa polojekiti. Ngati mwamvetsetsa kuti utuluke ndalama ali analandira uniformly mu nthawi ntchito kuthamanga, nthawi payback, chilinganizo chimene pansipa, kuchita masamu motere:

T = D / W

Kodi T - nthawi ya kubwerera pa ndalama;

Ndipo - ndalama;

D - kobiri yonsene ya phindu.

Pankhaniyi, kobiri yonsene ndalama tichipeza zopeza asanachotse ndi depreciation.

Kumvetsa mmene polojekiti funso yoyenera pamene ntchito njira imeneyi kumathandiza kuti chifukwa kufunika kwa padera nthawi kubwerera likulu ayenera kukhala osachepera zomwe zafotokozeredwa ndi Investor lapansi.

Zinthu zenizeni za polojekiti, ndi Investor akukana, ngati nthawi ya kubwerera pa ndalama pamwamba mfundo malire kwa iwo. Kapena iye akufunafuna njira kuchepetsa nthawi payback.

Mwachitsanzo, Investor invests mu ntchito 100 zikwi. Opaka. Ndalama kuchokera polojekiti:

• m'mwezi woyamba anakwana 25 zikwi opaka..
• m'mwezi wachiwiri - 35 zikwi rubles..
• m'mwezi wachitatu - 45 zikwi rubles ..

ntchito si kulipira mu miyezi iwiri yoyambirira, kuyambira 25 + 35 = 60 chikwi. pakani., amene ali poyerekeza ndi kuchuluka kwa ndalama. Motero, tingathe kumvetsa kuti ntchitoyi analipira lokha miyezi itatu, 60 + 45 = 105 zikwi. Pakani.

Ubwino wa njira

Ubwino wa njira pamwamba ndi:

1. Kuphweka kwa mawerengedwe.
2. Aone.
3. Luso kugwira gulu la ndalama ndi kulemekeza anakonzeratu mtengo ndi Investor lapansi.

Ambiri, chizindikiro n'zotheka kudziwa chiopsezo cha ndalama, ngati pali ubale osiyanitsidwa: ngati nthawi payback, chilinganizo tatchulazi, yafupika, ndi kuchepetsedwa kuopsa ntchito. Tikawonetsetsa ndi kuwonjezeka amayembekezera moyo adzabweranso ndalama, kuchuluka chiopsezo - ndalama akhoza kukhala unrecoverable.

zofooka

Ngati ife kulankhula za zolakwa za njira pakati pa wolemekezeka: ndi mawerengedwe inaccuracy chifukwa chakuti mu mawerengedwe ake Kodi kuganizira nthawi china.

Ndipotu, anapeza kuti analandira kunja akuti kubwerera, osati mwanjira iliyonse kukhudza moyo wake.

Kuti bwino agwire mawerengedwe a chizindikiro, ndikofunika kumvetsetsa ndalama kwa ndalama ku mapangidwe, yokonzanso ndi kusintha kwa chuma lokhazikika. Choncho, zotsatira za iwo sangathe kubwera minutely.

The Investor, pamene pakuika kusintha malangizo chofunika kumvetsa mfundo yakuti okha patapita kanthawi, adzalandira mtengo si zoipa otaya ndalama ya likulu. Chifukwa cha ichi, nkofunika kuti ntchito mu mawerengedwe a njira mphamvu kuti sasamala utuluke, chifukwa mu mtengo wa ndalama kwa mphindi imodzi mu nthawi.

Kufunika kuwerengetsera osiyanasiyana, chifukwa chakuti mtengo wa ndalama pa tsiku la ndalama sali yemweyo monga mtengo wa ndalama kumapeto kwa polojekiti.

Kuchotsera mawerengedwe njira

payback nthawi, chilinganizo chimene anapereka m'munsimu kumatanthauza kutenga nkhani nthawi china. Izi mawerengedwe a NPV - ukonde pano mtengo. Yowerengera imagwiridwa malinga ndi njira:

T = IC / FV,

kumene T - nthawi alipire;

IC - ndalama mu ntchito;

FV - anakonza ndalama ntchito.

Izi amaganizira mtengo tsogolo la ndalama, choncho ndalama anakonza anali Kuchotsera ntchito mlingo kuchotsera. mlingo Izi zikuphatikizapo ntchito kuopsa. Ena mwa iwo ndi akuluakulu:

• kufufuma kuopsa;
• kuopsa dziko ;
• kuopsa sanali phindu.

Onse mtima kuchuluka, ndipo chokhala. Mlingo kuchotsera ndiye mtima motere: chiopsezo wopanda mlingo wa kubwerera + mavuto onse ntchito.

Ngati otaya ndalama wosiyana

Ngati chimaposa polojekiti ndi osiyana chaka chilichonse, mtengo kuchira, chilinganizo chimene anaphimba m'nkhani ino kadzaganiziridwa pa mapazi angapo.

1. Choyamba, muyenera kudziwa chiwerengero cha nthawi (ndipo izo ziyenera kukhala inteja) pamene kuchuluka kwa phindu pa accrual maziko adzakhala pafupi ndi kuchuluka kwa ndalama.
2. Ndiye zotsalira kunali kofunika kudziwa: kuchuluka kwa ndalama kuchotsera pa anasonkhanitsa kukula kufunika kwa chimaposa pa polojekitiyo.
3. Kenako, mtengo wa zotsalira uncoated lagawidwa ndi ndalama nthawi yotsatira kagawo makhwawa. The chizindikiro chachikulu zachuma Pankhaniyi - mlingo kuchotsera, amene akufotokozera wagawo kapena kuchuluka magawo pa chaka.

anapezazo

Payback nthawi, chilinganizo imene mwafufuza pamwamba, izo zikusonyeza kuti utali uliwonse wa nthawi kubwerera zonse ndalama, ndipo nthawi idzafika pamene polojekiti wayamba kupanga ndalama. Anasankha ndalama njira, amene kubwerera nthawi ndi zazing'ono.

Kuwerengetsa ntchito njira zosiyanasiyana kuti ali ndi makhalidwe awo. Mophweka kwambiri - kugawikana kwa ndalama ya mtengo wa kuchuluka kwa ndalama pachaka, zomwe zimabweretsa polojekiti ndalama zolipirira.