Kwezomnotho, kunamagama agxile kakhulu emhlabeni webhizinisi, ngakho-ke, awavamile noma awazi kalula njengamanye. Yilokhu okwenzekayo ngeprimiyamu yokwabelana. Ingabe uyazi ukuthi iyini iprimiyamu yamasheya nokuthi ibalwa kanjani?
Ngezansi silungiselele umhlahlandlela onayo yonke imininingwane okufanele uyazi mayelana neprimiyamu yokwabelana. Umqondo wawo, ukuthi ungowani, ubalwa kanjani nokuthi kungani ubaluleke kangaka. Qhubeka ufunda ukuze wazi konke.
Iyini i-premium share
Into yokuqala okufanele uyazi mayelana neprimiyamu yamasheya ukuthi ihlobene nezwe lebhizinisi. Kuvela lapho inkampani idinga ukukhulisa imali futhi kulokhu isebenzisa ukuthengiswa kwamasheya amasha.
Isibonelo, Cabanga ngenkampani yezimonyo efuna ukwethula umkhiqizo omusha futhi edinga ukukhulisa imali yayo. Ukwenza lokhu, njengoba isivele inamasheya adayiswayo, inquma ukukhulisa ukuthengiswa kwawo ngendlela yokuthi iprimiyamu yokukhishwa ibe yilokho okuzokhokhwa ngaphezulu ngesabelo.
Ngamanye amazwi, iprimiyamu yokukhishwa iyiprimiyamu esetshenziswa kwisheya ngokusekelwe enanini layo legama noma lethiyori. Noma yini efanayo, umehluko okhona phakathi kwevelu yegama kanye nevelu yokukhishwa noma leyo ekhokhiwe.
Ukwenza kucace kakhudlwana, cabanga ngenkampani amasheya ayo abiza ama-euro ayi-100. Ezinyangeni ezimbalwa kamuva, leyo nkampani idinga ukukhulisa imali futhi kulokhu, lapho uthengisa amasheya, esikhundleni sokubiza ama-euro ayi-100, izokubiza i-200. Umehluko phakathi kwenani elincane lalawo masheya, okungaba ama-euro ayi-100, kanye nenani ozikhokhelayo, okungaba ama-200. isinika i-premium yokukhishwa engaba ngu-100.
Iyini iprimiyamu yokwabelana?
Manje njengoba usuyazi ukuthi iyini iprimiyamu yamasheya nangaphambi kokuba ukhulume ngokuthi ibalwa kanjani, kufanele wazi ukuthi leli gama lisetshenziswa kanjani. Empeleni isetshenziswa njengendlela yokuklomelisa abanikazi bamasheya amadala benkampani ngaphezu kwabasha. Futhi wukuthi amadala asekela ukulahlekelwa kwenani lamasheya ukuthi amasha angenaso isikhundla nokuthi awathenge ngenani elisha.
Ukukunikeza umbono, lapho izinketho ezintsha zithengiswa ngenhloso yokukhulisa imali yenkampani, abatshalizimali bokuqala yibona okufanele banqume izinketho ezimbili: ukuthi lawo masheya alingana nezinketho zokuqala ezidayisiwe; noma ukuthi kusethwe inkokhiso eyengeziwe, okungaba iprimiyamu yokukhishwa.
Ibalwa kanjani iprimiyamu yokwabelana
Manje yebo, masihambe nesibalo seprimiyamu yokwabelana. Eqinisweni, kuyinto oyovele uyiqonde ukuthi kufanele yenziwe kanjani kodwa Nansi ifomula esetshenzisiwe:
PE = VE – VN
Lapho i-PE iyinkokhelo yokukhishwa; I-EV yinani lodaba lalawo masheya; futhi i-VN iyinani elilinganayo lamasheya amadala.
Sisebenzisa isibonelo sale fomula, singasho ukuthi uma inani lokukhishwa lamasheya liyizinkulungwane ezinhlanu futhi inani lobuso liyinkulungwane namakhulu amabili, khona-ke sizobe sibhekene nenkokhelo yokukhishwa kwezinkulungwane ezintathu namakhulu ayisishiyagalombili.
Kodwa-ke, kufanele ucabangele ukuthi kunezici ze-macroeconomic ezizothinta le premium yokwabelana futhi phakathi kokubaluleke kakhulu yilezi:
- Izinga lenzalo, okuzonquma izindleko ezihambisana nokuzuza nokugcina imali ebolekiwe yezindlu ezithengiswayo ezonikezwa. Ngamanye amazwi, uma inkampani kufanele icele imali ebolekiwe ukuze yenyuse imali, into evamile ukuthi izinga lenzalo linomthelela emalini ekhokhwayo efuna ukulicela kulawa masheya amasha.
- Ukwehla kwamandla emali, okuthinta kokubili intengo yesihloko kanye nengcuphe ye-investimenti ekhiqizwayo.
- Ezombusazwe, ngomqondo wokuthi uma kungenzeka kube nezinguquko zezombangazwe ezweni, lokhu kungaqiniseki kungase kube nomthelela omuhle noma ongemuhle imali ekhokhwayo yokukhishwa.
Indlela yokubalwa kwezimali ibonakala kanjani kwiprimiyamu yamasheya
Lapho kwenziwa ukubalwa kwezimali yizinkampani, iprimiyamu yokukhishwa kufanele ibonakale kuma-akhawunti. I-athikili 298 yoMthetho Wezinkampani Eziyinhloko inezici ezithile eziphathelene nenkokhelo yokukhishwa futhi ibeka ukuthi i-akhawunti okufanele isetshenziswe futhi lapho leyo phrimiyamu izovela khona iyoba yi-110. Enkampanini yokubalwa kwezimali kufanele ifakwe ekhredithi uma leyo phrimiyamu yokukhishwa yenziwa. Futhi emsebenzini lapho itholakala, ecacisa inhloso yayo.
Njengoba ubona, ukwazi ukuthi iyini iprimiyamu yamasheya nokuthi ibalwa kanjani akuyona into okufanele uyazi uma ungekho kwezamabhizinisi. Futhi ngeke ube nentshisekelo uma ungenawo amasheya noma uncike kubatshalizimali ukuthi benze ibhizinisi lakho. Kodwa ulwazi olwengeziwe ongaba nalo lapho ubhekene nekusasa elingenzeka noma ushintsho emsebenzini wakho. Ubuwazi lo mqondo nakho konke okushoyo?