Inzalo elula nehlanganisiwe

inzalo elula nehlanganisiwe

Kunemigomo ethile ephathelene nezomnotho engadukisa, noma engaqondakali kahle. Kukhona ngisho nokuningi okungadideka, ikakhulukazi lapho amagama amaningi ebhekisa entweni efanayo, kuphela ngama-nuances ahlukile, okuyilawo ahlukanisa. Injalo intshisekelo elula nehlanganisiwe, uyazi ukuthi iyiphi okuyiyo?

Uma umehluko phakathi kwenzalo elula nehlanganisiwe awucaci kuwe, noma ufuna ukwazi kahle ukuthi la magama abhekise kuphi, khona-ke sizokusiza ukuthi uwuqonde kahle.

Yini intshisekelo elula

Ukuqonda isithakazelo esilula kuhle kakhulu. Ake ucabange ukuthi umuntu ukucela imali mboleko bese unquma ukumnika yona kanye nenzalo, noma ngabe iyini. Lapho lowo muntu ebuyisa imali, bakwenza ngenzalo, okusho ukuthi, esikhundleni sokuthola lokho okubolekisile, uthola okunye okusetshenziselwa imali.

Lokho singasho ukuthi kuyintshisekelo elula.

Ngamanye amagama, Inzalo elula inani lemali umuntu, ibhizinisi noma inkampani elikukhokhela yona ngokusebenzisa kwakho imali isikhathi esithile (ngendlela ebolekiwe).

Yini intshisekelo ehlanganisiwe

Ngokuqondene nenzalo ehlanganisiwe, siyaqhubeka nesinye isibonelo ukuze uqonde. Cabanga ukuthi uboleka umuntu imali, ngenzalo x. Lapho kufika ukuvuthwa, lowo muntu angayibuyisa leyo mali oyiboleke yena, kanye nenzalo, kepha kuthiwani uma esikhundleni sokugcina leyo mali oyenzayo uyiboleka futhi, imali yokuqala nenzalo oyitholile? Lapho isikhathi siphela, uzothola leyo nhloko entsha nenzalo, kanye nenzalo entsha.

Lokho, inzalo ehlanganisiwe leyo mali eba nkulu ngoba inzalo yaleyo nkokhelo ingezwe kuleyo capital ngendlela yokuthi utshale imali eningi, kepha futhi nokuthola izintshisekelo eziphakeme.

Umehluko phakathi kwezintshisekelo

inzalo elula nehlanganisiwe

Manje njengoba sekucacile kancane kuwe ukuthi yini intshisekelo elula nentshisekelo ehlanganisiwe, sekuyisikhathi sokwenza izinto zicace futhi, ngenxa yalokhu, akukho okufana nokufaka esikrinini umehluko ophakathi kwalokhu okubili.

Ngale ndlela, sine:

  • Inzalo elula inzalo engeyona imali, Ngamanye amagama, ayinamthelela emalini oyitshala ekuqaleni. Ngakolunye uhlangothi, ngenhlanganisela, izinto ziyashintsha ngoba leyo nzalo ingezwe enhlokodolobha, okwenza utshalomali lokuqala lube lukhulu ekugcineni.
  • Inzalo elula izobalwa njalo enhlokodolobha yokuqala, ngaphandle kokuba kube noshintsho kukho noma ukwanda. Ngokuphambene nalokho okwenzekayo ngekhompiyutha, okuzobalwa kususelwa enhlokodolobha yokugcina futhi kuzokwandisa futhi kwandise imali yokuqala.

Babalwa kanjani

Manje njengoba usucacile ngenzalo elula nehlanganisiwe, nomehluko phakathi kwalowo nalowo wabo, isigaba esilandelayo ukuqonda ukuthi ngayinye yazo ingabalwa kanjani. Futhi lokhu, esimweni sokuqala, kulula; kepha asikwazi ukusho okufanayo esimeni sesibili, lapho ifomula liyinkimbinkimbi ngokwengeziwe.

Bala inzalo elula

Bala inzalo elula

Akungabazeki ukuthi ifomula ye- ukubala inzalo elula kulula kakhulu kunenzalo ehlanganisiwe. Uzokuthola lokhu:

Mina = C * R * T

Ngamanye amazwi:

Inzalo = Uthishanhloko * Izinga lenzalo * Isikhathi

Thatha isibonelo, cabanga ukuthi okufunayo ukuthola inzalo yenhlokodolobha yama-euro angama-100, isilinganiso senzalo se-1% nonyaka ongu-1 wesikhathi.

Mina = 100 * 0,01 * 1

Manje, le ndlela esikunike yona yile ebisetshenziswa iminyaka. Ngabe lokho kusho ukuthi kukhona amanye amafomula ngokuya ngokuthi sifuna ukwazi intshisekelo elula yezinsuku noma izinyanga? Yebo zikhona, kepha zonke zilula nje.

Uma ufuna ukubala inzalo elula izinyanga, Uzodinga ukuhlukanisa isikhathi ngalezo zinyanga eziyi-12, ngendlela yokuthi ifomula izobukeka kanjena:

Inzalo = Uthishanhloko * Izinga lenzalo * Isikhathi (ezinyangeni) / 12

Futhi kuthiwani uma ufuna ukuyibala ngezinsuku? Uma ukhetha ukukhipha inzalo ngezinsuku, khona-ke isisekelo sesikhathi esisetshenzisiwe kufanele sihlukaniswe ngezinsuku zenyanga. Kodwa-ke, inokwehluka, futhi lokho ukuthi, kwezomnotho, abaziphathi zonke izinyanga ngokuhlukile (okungukuthi, ababali izinyanga zezinsuku ezingama-28 noma lezo ze-31). Abakwenzayo kulingana zonke izinsuku ezingama-30. Ngakho-ke, esikhundleni sezinsuku ezingama-365 (noma ezingama-366 uma unyaka kungunyaka wokugxuma), kubekwa izinsuku ezingama-360.

Ngakho-ke, ifomula izoba ngale ndlela elandelayo:

Inzalo = Uthishanhloko * Izinga Lenzalo * Isikhathi (ngezinsuku) / 360

Le fomula kulula kakhulu ukuyisebenzisa kepha inokubukeka okubi. Futhi ngeke inake izintshisekelo ezinqwabelene, lezo ezitholwa phakathi kwezikhathi. Ngalesi sizathu, izikhathi eziningi inani elisinikeza lona akulona elangempela, futhi ezingeni le-accounting lingagcina lidale izinkinga. Yingakho inzalo ehlanganisiwe nefomula yokuyibala ivele (esizoxoxa ngayo ngezansi).

Bala isithakazelo esiyinkimbinkimbi

Bala isakhi

Sikukwazisa kusengaphambili ukuthi ifomula ye-capital capital ayilula. Eqinisweni, ingakuhlaba umxhwele kuqala. Kepha uma usubona ukuthi kufanele yenziwe kanjani, nakanjani ayinazimfihlo kuwe.

Ifomula yenzalo ehlanganisiwe yile:

I = Cf {(1 + R) ^ n - 1}

Kulokhu, sikhuluma ngalokhu:

  • I-Cf: kungaba yinhloko-dolobha yokugcina, noma yini efanayo, i-Final Value (VF) uma kungenzeka uyithole kwamanye amafomula.
  • I-Ci: kungaba yinhloko-dolobha yokuqala (ungayithola nakwezinye izindlela ezifana ne-Present Value (VA).
  • r: yisilinganiso senzalo (singamelwa futhi ngu-i).
  • t: isikhathi (noma ungasithola ngo-n).

Ngokuyisisekelo, okwenziwa yile fomula ukuphindaphinda imali yokuqala oqala ngayo eyodwa futhi ngenzalo. Bese uphakamisa konke ngenani lezikhathi.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   Pedro kusho

    Ngikhetha ifomula, ngoba ilula:

    C = Co · ((1 + R) ^ t)

    Isibonelo, uma ngine- € 100 iminyaka emibili ngenani lenzalo ka-10%, kungaba:

    C = 100 · ((1 + 0,1) ^ 2) = 100 · ((1,1) ^ 2) = 100 · 1,21 = 121 €? imali yokugcina itholakele

    € 21 (= 121-100) kungaba inzalo etholakele ("Mina" we-equation oyichazile).

    Ngicabanga ukuthi i-equation oyivezayo inamaphutha amaningana. I-multiplicand yesibili yomkhiqizo (1 + R) iphakanyiswe ngesikhathi, bese ubunye bususwa emphumeleni walo mandla. Futhi into yokuqala yokuphindaphinda kungaba inhlokodolobha yokuqala. Ngakho-ke kungaba ngokuqonda kwami:

    Mina = Co · [[(1 + R) ^ n] –1}

    Ngikisela ukuthi uphinde ucabangisise ngencazelo yesigaba senzuzo, uhambisane nesibonelo.

    NoNkulunkulu!