Ukuba unenkampani, kunokwenzeka ukuba ukhe weva ngesaphulelo esilula, uhlobo olusetyenziswa ngokubanzi lwenkxaso-mali yexesha elifutshane, ngokukhawuleza kwaye kulula kuye nabani na.
Kodwa ayinguye wonke umntu oyiqondayo, okanye ukhe wadibana nayo, kuthekani malunga nokukubonisa ukuba yintoni na, isetyenziswa njani, kunye nezinye izihloko okufuneka wazi ngazo?
Yintoni isaphulelo esilula
Isaphulelo esilula, njengoko besitshilo ngaphambili, eneneni yindlela yokufumana amanzi ngokukhawuleza. Inokuchazwa njengesixhobo esisekwe ekumiseleni inkunzi yexesha elizayo kwenye ngokuvuthwa kwangoku. Njani? Ukusebenzisa umthetho olula wesaphulelo.
Ngamanye amazwi, imali idluliselwe phambi komhla wokugqibela wokuyifumana.
Ngokomzekelo, khawube nomfanekiso-ngqondweni wakho unenkampani esebenzela abaphathi. Njengoko usazi, ezi azidli ngokuhlawula ngokukhawuleza kodwa zineenyanga ezimbalwa zokwenza oko. Ngaloo invoyisi kunye nephepha apho ulawulo luqinisekisile ukuba uya kuhlawula, unokuya ebhankini kwaye ucele isaphulelo esilula ukufumana imali. Kodwa yonke imali? Hayi ncma. Ibhanki, ngokunyamekela ukulinda ukufumana imali, ibeka uluhlu lweendleko kwixesha elizayo, ezihlawuliswa kuwe..
Ukuba sibeka amanani, cinga ukuba ityala liwaka leeuro. Kwaye uya ebhankini kwaye bakuxelela ukuba, ngokwenza isaphulelo esilula, banokukunika, ngelo xesha, i-euro ye-900. Ngaba oko kuthetha ukuba ezinye uya kuziqokelela kamva? Hayi, ezo 100 zee-euro zomahluko yinto egcinwa yibhanki "ngokunika imali" kwaye ulinde ukuba ityala lihlawulwe.
Iimpawu zesaphulelo esilula
Ngoku ukuba uyibonile into esiyithethayo ngesaphulelo esilula, siza kukucacisela yonke into engcono. Kwaye siyenza ngeempawu zoku. Ngaba:
- Ukuhlawula iikomishini kwangaphambili. Ngokwenyani, ibhanki ayizukukuhlawula iyonke iyonke, kodwa endaweni yoko isebenzisa izaphulelo kwinzala eveliswayo.
- Awunakukhetha imali oza kubizwa ngayo. Ngokwenyani, isixa esigcweleyo siyanyuselwa ukuze kufunyanwe oko kungakwazi ukuhlawula amatyala okwexeshana.
- Imidla igqityiwe. Ukuze uyiqonde ngcono, ukuba ufuna ukufumana into kwangaphambili oza kuyiqokelela kwiminyaka emibini, inzala yaloo minyaka mibini iya kuhlawuliswa ngokuthe ngqo ngesaphulelo esilula, nokuba usifumene ngaphambi koko. Ke ngoko, ixesha elide kakhulu, iindleko eziphezulu kuya kufuneka ubandezeleke.
Indlela yokufumana isaphulelo esilula
Amaxesha amaninzi, ukwenza imali ngesaphulelo esilula kufuneka ikhatshwe sisihloko sekhredithi. Ngaphandle kwayo, zimbalwa kakhulu iibhanki, ukuba zikhona, ziya kuqhubela phambili isixa setyala.
Kuxhomekeka kwisihloko onaso (kuba ngokwenene kukho ezahlukeneyo), indlela eyenziwa ngayo iza kutshintsha.
Iintlobo zesaphulelo ezilula
Ngaphakathi kwesaphulelo esilula, kuya kufuneka wazi ukuba kukho iindidi ezimbini ezingenakubhidaniswa, ngakumbi kuba zibhekisa kwiinkunzi ezahlukeneyo. Ngoko ke, sine:
- Isaphulelo semathematika esilula okanye esinengqiqo. Yiyo ehlala isebenza kwi-capital yokuqala.
- isaphulelo sorhwebo esilula. Ikwabizwa ngokuba yibhanki. Kule meko, inkunzi esetyenziswa kuyo isekupheleni.
Ngamnye kubo unendlela yokubalwa esiza kuyibona ngokulandelayo.
Yintoni isaphulelo sefomula elula
Ngaba uyafuna ukwazi ukuba isaphulelo silula senziwa njani? Ke qaphela kuba siza kukunika iifomula ezininzi ngokuxhomekeke ekubeni usebenzisa imathematika okanye eyokurhweba.
Ifomula elula yesaphulelo semathematika
Ukuba ibhanki ikunika isaphulelo esilula semathematika, ke into esebenzayo yile:
C0 = Cn / (1 + n i)
Kuphi:
- C0 likomkhulu lokuqala.
- Cn likomkhulu lokugqibela.
- n linani lexesha (rhoqo kwiminyaka).
- Ndingumdla osetyenziswayo.
Makhe sithathe umzekelo. Yiba nomfanekiso uhamba ne-invoyisi yewaka leeuro ebesikhe sayikhankanya ngaphambili ebhankini. Kwaye oku kukunika isaphulelo se-9%. Awuyi kuqokelela loo invoyisi ezinye iinyanga ezi-6. Kodwa, ukuba uyayamkela ibhanki, kuya kufuneka ngoko nangoko. Masisebenzise ifomula.
Okokuqala, kufuneka siguqule iinyanga zibe yiminyaka. Kwaye ipesenti kufuneka yahlulwe nge-100, oko kukuthi, 0,09.
Ngokumalunga neenyanga, iya kuba ngu-6/12, eyi-0,5.
Ngoku ifomyula:
Cn = 1000 / (1 + 0,5 0,09)
Cn = 956,94 euro
Yile mali izakukuhlawula ngayo yibhanki, ukuphumla, oko kukuthi, isaphulelo esilula, yenza ibhanki ithathe i-euro ye-43,06.
D= Cn – C0
D= 43,06 euro
Ifomula elula yesaphulelo soRhwebo
Ukuba ngoku, endaweni yokusebenzisa isaphulelo semathematika kwifomula elula, basixelela ukuba baza kusebenzisa eyorhwebo, emva koko iyatshintsha kancinci. Ungavumeli amehlo akho akhohlise kuba eneneni iimpawu ziyatshintsha apha. Kwelinye icala, asahluli, kodwa siphindaphindeka. Kwaye, kwelinye icala, kwizibiyeli asongezi, kodwa sithabathe.
Ekugqibeleni, ifomula iya kuba:
C0 = Cn · (1 – n i)
Ukulandela umzekelo ofanayo njengangaphambili, sinepesenti ye-9% (0,09) kunye neenyanga ezi-6 (iminyaka eyi-0,5). Kwaye isixa sokugqibela se-euro eyi-1000.
Kuba into esifuna ukuyifumanisa kukuba ibhanki iza kusihlawula ngantoni ngelo xesha, sisebenzisa le fomula:
C0 = 1000 · (1 – 0,5 · 0,09)
C0 = 955 euro.
Yile mali izakukuhlawula ngayo yibhanki. Kwaye okuseleyo ukuya kwiwaka, oko kukuthi, i-euro ye-45, iya kugcinwa yibhanki ngexabiso leendleko kunye nenzala.
Njengoko ubona, kuzo zombini iimeko umfanekiso obonwayo uyafana, nangona amanani amakhulu, umahluko omncinci unokubonwa. Nangona kunjalo, kuyacaca ukuba ukufumana i-liquidity ngelo xesha kukwenza ulahlekelwe yimali. Ngenxa yesi sizathu, amaxesha amaninzi, xa uthetha ngeentlawulo zexesha elide, Iinkampani zidla ngokubonisa uhlahlo lwabiwo-mali “olunyukileyo” ukunqanda le ngxaki emva koko kunye nebhanki kwaye ngaloo ndlela bafumane imali abayifanele ngokwenene ngomsebenzi wabo.
Ngoku unakho konke ukuqonda ngcono ukuba yintoni isaphulelo esilula kunye nayo yonke into ehambelana nayo.