Kukho amagama athile ahambelana noqoqosho anokulahlekisa, okanye angaqondwa kakuhle. Zininzi kakhulu ezinokudideka, ngakumbi xa amagama aliqela ebhekisa kwinto enye, kuphela ngokwahluka okwahlukileyo, okuyizinto ezohlula zona. Injalo imeko yomdla olula kunye nobumbano, uyazi ukuba yeyiphi?
Ukuba umahluko phakathi komdla olula kunye nekhompawundi awucaci kuwe, okanye ufuna ukwazi ngokuthe ngqo ukuba eli gama ngalinye libhekisa phi, emva koko siza kukunceda uqonde ngokugqibeleleyo.
Yintoni umdla olula
Ukuqonda umdla olula ngokuthe ngqo. Khawufane ucinge ukuba umntu ukucela imali-mboleko uze uthathe isigqibo sokumnika yona unomdla, nokuba yeyiphi na. Xa loo mntu ebuyisa imali, bayenza ngenzala, Oko kukuthi, endaweni yokufumana oko ukubolekisileyo, ufumana enye into yokusetyenziswa kwemali.
Oko sinokuthi ngumdla olula.
Ngamanye amagama, Inzala elula sisixa semali esihlawulwa ngumntu, iqumrhu okanye inkampani ngenxa yokusebenzisa imali yakho ixesha elimiselweyo (ngendlela ebolekiweyo).
Yintoni umdla onomdla
Ngokumalunga nomdla odibeneyo, siyaqhubeka nomnye umzekelo ukuze uqonde. Cinga ukuba uboleka umntu imali, ngenzala x. Xa kufika ukukhula, loo mntu angayibuyisa loo mali uyibolekileyo, kunye nenzala, kodwa kuthekani ukuba endaweni yokugcina loo nto uyenzayo uyiboleke kwakhona, inkunzi yokuqala kunye nenzala oyifumeneyo? Xa ixesha liphelile, uyakufumana loo nqununu intsha kunye nomdla, kunye nomdla omtsha.
Oko kukuthi, inzala edibeneyo yile isixa-mali esiya sisiba sikhulu kuba inzala kuloo ntlawulo yongezwa kuloo mali ngendlela yokuba utyale imali ngakumbi, kodwa nokufumana umdla ongaphezulu.
Umahluko phakathi komdla
Ngoku ngoku icace gca kuwe yintoni inzala elula kunye nomdla odibeneyo, lixesha lokwenza izinto zicace kwaye, ngenxa yoku, akukho nto ifana nokubeka kwiscreen umahluko ophakathi kwezi zimbini.
Ngale ndlela, sine:
- Inzala elula ngumdla ongenakuhlawulwa, Ngamanye amagama, ayinampembelelo kwimali oyityalayo ekuqaleni. Kwelinye icala, ngokudibanisa into iyatshintsha kuba loo nzala yongezwa kwikomkhulu, isenza ukuba utyalomali lokuqala lube lukhulu ekugqibeleni.
- Inzala elula iya kuhlala ibalwa kwikapitali yokuqala, ngaphandle kokuba kubekho utshintsho kuyo okanye ukwanda. Ngokuchasene noko kwenzeka ntoni kwikhompawundi, eya kuthi ibalwe ngokusekwe kwikomkhulu lokugqibela kwaye iya kunyusa kwaye inyuse imali yokuqala.
Babalwa njani
Ngoku ukuba ucacile malunga nomdla olula kunye nobumbano, kwaye umahluko phakathi komnye nomnye wabo, inqanaba elilandelayo kukuqonda ukuba linokubalwa njani nganye nganye. Kwaye oku, kwimeko yokuqala, kulula; kodwa asinakuthetha okufanayo kwimeko yesibini, apho ifomula inzima ngakumbi.
Bala umdla olula
Alithandabuzeki elokuba ifomula ye- ukubala inzala elula kulula ngakumbi kunenzala edibeneyo. Uya kuyifumana le nto:
Mna = C * R * T
Ngamanye amazwi:
Inzala = Inqununu * Inzala * Ixesha
Ukuthatha umzekelo, cinga ukuba into oyifunayo kukufumana inzala ye-capital ye-100, inqanaba lenzala le-1% kunye ne-1 unyaka wexesha.
Mna = 100 * 0,01 * 1
Ngoku, le fomyula sikunike yona yile isetyenziswe iminyaka. Ngaba oko kuthetha ukuba kukho ezinye iifomula ngokuxhomekeke ekubeni sifuna ukwazi umdla olula weentsuku okanye iinyanga? Ewe zikho, kodwa zonke zilula ngokulula.
Ukuba ufuna ukubala inzala elula yeenyangaUya kudinga ukwahlula ixesha ngeenyanga ezili-12, ngendlela apho ifomula iya kubonakala ngathi:
Inzala = Inqununu * Inqanaba lenzala * Ixesha (ngeenyanga) / 12
Kwaye kuya kuthini ukuba ufuna ukubala ngeentsuku? Ukuba ukhetha ukuthatha inzala ngeentsuku, isiseko sexesha esisetyenzisiweyo kufuneka sahlulwe ngeentsuku zenyanga. Nangona kunjalo, inento eyodwa, kwaye yiyo loo nto, kwezoqoqosho, abazinyangi zonke iinyanga ngokwahlukeneyo (Oko kukuthi, abazibali iinyanga ezingama-28 okanye ezo zingama-31). Into abayenzayo ilingana konke ukuya kwiintsuku ezingama-30. Ngenxa yoko, endaweni yeentsuku ezingama-365 (okanye ezingama-366 ukuba unyaka ngunyaka oxhuma), kubekwa iintsuku ezingama-360.
Ngaloo ndlela, ifomula iya kuba ngolu hlobo lulandelayo:
Inzala = Inqununu * Inzala yeNzala * Ixesha (ngeentsuku) / 360
Le fomyula ilula kakhulu ukuyifaka kodwa ineengxaki. Kwaye ayizukuthathela ingqalelo imidla eqokelelweyo, ezo zifunyenwe phakathi kwamaxesha. Ngesi sizathu, amaxesha amaninzi ixabiso elisinika lona ayililo elokwenyani, kwaye kwinqanaba lobalo-mali linokuphela libangela iingxaki. Kungenxa yoko le nto inzala edibeneyo kunye nefomula yokubala ivelile (esiza kuthetha ngayo apha ngezantsi).
Bala inzala edibeneyo
Sikucebisa kwangaphambili ukuba ifomula eyimali eyindibaniselwano ayikho lula. Ngapha koko, inokuchukumisa wena kuqala. Kodwa xa ubona ukuba kufuneka yenziwe njani, ngokuqinisekileyo ayinazimfihlo kuwe.
Ifomula yenzala:
I = Cf {(1 + R) ^ n - 1}
Kule meko, sithetha malunga:
- I-Cf: ingayimali yokugqibela, okanye yintoni efanayo, Ixabiso lokugqibela (VF) xa unokufumana kwezinye iifomula.
- I-Ci: iya kuba yinkunzi yokuqala (ungayifumana nakwezinye iifomula ezinje ngeXabiso langoku (VA).
- r: ngumyinge wenzala (ungabonakaliswa ngu-i).
- t: lixesha (okanye ungayifumana ngo-n).
Ngokusisiseko, le fomyula iyiphinda phinda inkunzi yokuqala oqala ngayo enye kunye nomdla. Emva koko phakamisa yonke into ngenani lamaxesha.
Ndikhetha ifomyula, kuba ilula:
C = Co · ((1 + R) ^ t)
Umzekelo, ukuba ndine- € 100 yeminyaka emibini kwinqanaba lenzala le-10%, inokuba:
C = 100 · ((1 + 0,1) ^ 2) = 100 · ((1,1) ^ 2) = 100 · 1,21 = 121 €? Inkunzi yokugqibela ifunyenwe
€ 21 (= 121-100) iya kuba ngumdla ofunyenweyo ("mna" wenxaki oyichazileyo).
Ndicinga ukuba i-equation oyibonisayo ineentsilelo ezininzi. Ukuphindaphindwa kwesibini kwemveliso (1 + R) kuphakanyisiwe ukuya kuthi ga ngoku, emva koko umanyano luyasuswa kwisiphumo salo mandla. Kwaye into yokuqala yokuphindaphinda iya kuba yinkunzi yokuqala. Iya kuba kukuqonda kwam oku:
Mna = Co · [[(1 + R) ^ n] –1}
Ndikucebisa ukuba uphinde uyicinge inkcazo yecandelo lenzala, uyihambisane nomzekelo.
KuThixo!