Takaita Raba Raba - Shin Yanada Zabi ne?

Interestara yawan fa'ida tare da rarar fa'ida

Raba hannun jari wani bangare ne na albashin masu hannun jari cewa yawancin kamfanonin da aka lissafa suna raba ribar su. Hanya ce don lada da rarraba fa'idodi tsakanin waɗanda suka mallaki taken kamfanin. Koyaya, akwai bayanan martaba daban-daban na masu saka hannun jari, yadda nau'ikan mutane daban-daban suke. Tambayar da mutane da yawa ke yi ita ce me za a yi da ribar da za su samu. Ofaya daga cikin shahararrun damar shine sake saka hannun jari na rarar fareti.

Ayyade wane irin bayanin martaba ne na masu saka jari, idan kuna tafiya na dogon lokaci ko gajere, ko kuma idan kuna cikin kamfanin da ke sha'awar ku sosai ko a'a, waɗannan tambayoyin ne da dole ne a amsa su. Tare da wannan, zaku iya yanke shawara mafi kyau akan yadda zaku sarrafa dawo da samu ta hanyar riba. Wasu lokuta, ba zai zama yanayi na mutum ɗaya bane, buri, buƙatu ko sama da na sirri… amincin da kuka yi ma kamfanin. Akwai lokutan da zai zama mai sauki ko kadan mai ban sha'awa don saka hannun jari a ciki, da kuma yin kyakkyawan tsari kan niyyar ku, zai kai ku ga hanyar da kuke so.

Tasirin "tarin sha'awa"

Tattara kudaden shiga da tasirin dusar ƙanƙara

Oneaya daga cikin tasirin da za mu iya lura a cikin dogon lokaci bayan sake saka hannun jarin shi ne na hada-hadar kudi. Irin wannan saka hannun jari ya dogara ne da ra'ayin ƙara sha'awar da aka samu zuwa babban birnin da aka samu. Ta wannan hanyar, shekara mai zuwa ba kawai ana samun ribar daga babban birni ɗaya ba, amma daga babban birnin da ƙarin fa'ida. Jimillar komowa ta ɗan fi girma, kuma ci gaba da irin wannan saka jari a cikin dogon lokaci yawanci yakan kawo fa'idodi fiye da idan, akasin haka, ba za mu taɓa ƙara babban birnin da aka ba da gudummawar farko ba.

Hakanan da aka sani a cikin layin titi kamar "tasirin ƙwallon dusar ƙanƙara." Tushenta ya dogara ne da kwatancen da yake nuni ga jefa ƙwallon dusar ƙanƙara zuwa ƙasa. Da farko, yan 'flakes kadan zasu iya kama saboda karamar ball ce. Yayin da kwallon ke gangarowa, zai yi girma kuma ya kara girma. A ƙarshe, za a yi ƙwallon dusar ƙanƙara ƙwarai da gaske.

Don samun ra'ayi game da bambance-bambance da za'a iya samu ta hanyar sake saka jari, zamu iya ɗaukar cigaban halittu daban-daban. Za a sami wasu da rarar riba, wani kuma tare da kamfanoni da ke da babbar riba, da sauransu ... Bari mu ga irin ribar da za a samu ta hanyar dawo da canji, wasu ba tare da saka jari ba, wasu kuma sun sake saka hannun jari. Shekaru 30 na ilimi ne kawai, a ma'anar cewa a wasu lokutan lokuta saka jari zai yi tsawo sosai, amma yana da nasaba da canjin da ke faruwa.

Kimanin bambance-bambance tsakanin rashin sake saka hannun jari da sake saka hannun jari

Bambance-bambance na sake saka hannun jari ba tare da yin rarar kamfani ba

A cikin hoto zaku iya ganin bambance-bambance a cikin dogon lokaci akan babban birni. Farawa daga saka hannun jari na euro 10.000 misali, mun sami yanayi daban-daban guda biyu na ban mamaki. Yanayi na farko wanda ba'a sake saka tarin riba ba, kuma labari na biyu wanda za'a sake saka shi. A kowane bangare an ɗauka cewa an riƙe hannun jarin tsawon shekaru, in ba haka ba tarin riba ba zai yiwu ba.

  1. Raba kashi 2%. Da yake shi ne mafi ƙarancin riba, bambance-bambancen da za mu iya gani a cikin dogon lokaci ba su da yawa. Har yanzu, akwai ɗan bambanci kaɗan bayan shekaru 30. Yuro 16.000 idan ba'a sake saka hannun jarin komai ba, zuwa Yuro 18.113 idan aka sake saka hannun jarin.
  2. Raba kashi 4%. A cikin 4% zamu iya yin magana game da manyan bambance-bambance. Bayan shekaru 30, manyan biranen za su zama Euro 22.000 ba za a sake saka su ba idan aka kwatanta da Yuro 32.433 dangane da sake saka hannun jari.
  3. Raba kashi 6%. Haka ne, cimma wadannan dawowar ba al'ada bane, kuma a wasu lokuta da ba safai ba zasu iya yiwuwa. Duk da haka, akwai kamfanoni tare da rarar fa'ida. A cikin waɗannan lamuran, kuma idan waɗannan ayyukan sun "dore", za mu sami fayil a cikin shekaru 30 wanda zai tara Yuro 28.000 idan ba a sake saka shi ba, idan aka kwatanta da na 57.435 da za a sake sakawa.

Lokacin da sake saka hannun jari ba kyakkyawan zaɓi bane

lokacin da ba shine kyakkyawan zaɓi don saka hannun jari ba

Hanyoyin da zamu zaba suna da yawa. Wani lokaci saboda yanayin mutum ko wasu yanayin kasuwa. Rarraba rarar yana samar da wasu kudade, amma sake saka wadannan kudaden zai zama shawarar da za'a yanke dangane da yanayin da zasu iya tasowa. A cikin sharuɗɗa masu zuwa zaku iya ganin menene kuma me yasa zai zama mai kyau kada ku sake saka kuɗin da aka samu a cikin kamfanin ɗaya.

  • Bukatar ruwa. Tsammani yiwuwar kashe kuɗi da rashin wadataccen tanadi zai zama dalilai na zaɓi wannan zaɓin. Babu wanda ke sha'awar karɓar rance a kan mafi girma fiye da rarar da aka samu. Wace ma'ana zai yi don kashewa akan kashi mafi girma na sha'awa fiye da caji?
  • Yanayin kasuwa bai dace ba. Yana iya yiwuwa daga ƙarshe ana ɗaukar cewa kasuwa tana da tsada, kuma babu wurin sake saka su. Kodayake masu kwaikwayon sun nuna cewa sake saka su a gaba babban haɓaka ne a cikin dogon lokaci, duk mun san cewa siyan lokaci mai tsada ba shine kyakkyawan ra'ayi ba. Abun tantancewa don ƙayyade idan kasuwa tayi tsada ko tayi arha tuni ta faɗi cikin takamaiman hanyar bincike da kowane mai saka jari yayi.
  • Akwai kamfanoni masu jan hankali don saka jari. Ba kyakkyawan ra'ayi bane koyaushe a sake sanya riba a cikin kamfani guda ɗaya wanda muka karɓa. Misali na yau da kullun, lokacin da aka rarraba ƙarin riba fiye da fa'idodin da aka karɓa. Wato, biyan kuɗi ya fi 100%. Neman sauran kamfanonin "kyawawa" shine madadin.
  • Ba a bayyana abin da za a yi ba. Fahimtar cewa akwai wasu abubuwan rashin tabbas ba kyau. Abu mai sauri zai zama shiga cikin "dole ne a yi wani abu." Rashin yin komai shima yanke shawara ne, kuma wani lokacin ma sai anyi shi. Ba da daɗewa ba daga baya lokaci koyaushe yana zuwa lokacin da akwai dama, kuma a cikin mafi munin yanayi, za a sami kuɗin ruwa don buƙatun da za a iya samu.

ƘARUWA

Sake sake saka hannun jari muddin muna da jari kuma muradinmu shine mu kara shi, zai zama kyakkyawan zabi cikin dogon lokaci. Mun ga cewa ba koyaushe za a ga karuwar ba, amma za su ci gaba ne. Bugu da kari, Bayyana maƙasudai, nazarin yanayi da halartar bukatun mutum na da matukar mahimmanci yayin yanke shawara. Idan aka gudanar da kyakkyawan tsarin jari daidai, zai haifar da ƙaruwa a ciki.

Idan kuna sha'awar sanin kamfanonin da ke haɓaka fa'idar wannan shekara, kar ku manta da ziyartar shafi na gaba!

Labari mai dangantaka:
Valuesa'idodin 7 waɗanda ke haɓaka rarar su a cikin 2020

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  1. Wanda ke da alhakin bayanan: Miguel Ángel Gatón
  2. Manufar bayanan: Sarrafa SPAM, sarrafa sharhi.
  3. Halacci: Yarda da yarda
  4. Sadarwar bayanan: Ba za a sanar da wasu bayanan ga wasu kamfanoni ba sai ta hanyar wajibcin doka.
  5. Ajiye bayanai: Bayanin yanar gizo wanda Occentus Networks (EU) suka dauki nauyi
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