Ixabiso lexesha lemali liquka iingcamango zexabiso elizayo (ukuhlanganiswa) kunye nexabiso langoku (ukuhlawula). Umzekelo, ukuba unayo imali esandleni sakho namhlanje, ungayigcina kwaye ufumane inzala kuyo, okanye ungayichitha ngoku. Ukuba awuyi kufikelela kwinto ethile kwixesha elizayo, ulahlekelwa ngumdla onokuwufumana, kwaye awukwazi ukuyisebenzisa ngoku ngoku.
Ixabiso lexesha leMali elisetyenziselwa njani kwiMali yezeShishini?
Inani lexabiso lokubala kwemali ngumqolo wezibalo zezimali. Inani lexabiso lemali lisetyenziselwa ukubala ixabiso elizayo lemali, njengemali kwi-akhawunti yokulondoloza, imali yeemakethe yemali, okanye isitifiketi se-deposit. Isetyenziselwa ukubala ixabiso langoku yesibini semali okanye umlambo wokuhamba kwemali. Ukuba ukuhamba kwemali kuhlelwe ukuba kufikelelwe kwixesha elizayo ukususela kotyalo-mali lwenkampani, njengotyalo-mali kwisakhiwo okanye kwisixhobo, ixabiso lexesha elisetyenziselwa ukubala ixabiso langoku (ixabiso ngoku) lezo ntlawulo zemali.
Ziziphi iindidi zexabiso lexesha lokubala imali?
Uluhlu olungezantsi ziintlobo ezine eziphambili zexabiso lexesha lemali:
Ixabiso lexesha elizayo leSumpum Sum
Ukubala kwexabiso lemali elizayo lesibalo sisetyenzisiweyo xa ibhizinisi lifuna ukubala inani lemali eliza kuba nalo ngexesha elizayo xa lenza idiphozithi enye ngaphandle kwepasitikhi okanye ukuhoxiswa kwexesha elizayo, inikwe inzala kunye nexesha elithile ixesha.
Ukubala ixabiso elizayo libizwa ngokuba lihlanganiswa.
Ixabiso lexesha elizayo loNyaka
Ukubala kwexabiso elizayo le-annuity lisetyenziselwa xa ibhizinisi lifuna ukubala inani lemali eliza kuba nalo ngexesha elizayo xa lilingana, idipozithi ezilandelelanayo ngexesha elide, linikwe umyinge wenzala kunye nexesha elithile ixesha. Izibonelelo zingaphantsi kwindlela yokuqhelisa imali okanye i-annuity efanele. Oku kuyinyaniso xa kubalwa ixabiso langoku le-annuity ngokunjalo.
Ixabiso langoku leSump Sum
Ukubala kwexabiso langoku lexabiso elisetyenziswayo xa ibhizinisi lifuna ukubala inani lemali ekufuneka lihlawule ngayo utyalo-mali namhlanje ukuba luza kuvelisa umthamo othile wokuhlawula imali kwixesha elizayo, kunikezwe umyinge wexabiso kunye nexesha elithile ixesha. Ukubala ixabiso langoku libizwa ngokuba yi-discount.
Ixabiso langoku leNyaka
Ukubala kwexabiso langoku le-annuity lisetyenziselwa xa ibhizinisi lifuna ukubala inani lemali ekufuneka lihlawule ngayo utyalo-mali namhlanje ukuba luza kuvelisa umlambo olinganayo, iintlawulo ezilandelelanayo kwixesha elithile kwixesha elizayo, unikezwe inzala kunye nexesha elithile.
Ukubala Ixabiso lexesha leMali
Kukho iindlela ezine zokwenza ixesha lokubala kwemali:
Ixabiso ngalinye lexesha lokubala imali linomlinganiselo ongayisebenzisa ukwenza ukubala. Okuyinkimbinkimbi xa kubalwa ukubala, ukuthotywa kwefomula kungabonakali. Ukusebenzisa enye yezinye iindlela zokubala kubhetele kakhulu.
Ukusebenzisa ixabiso lexesha leemathebhile zemali sele linikezelwe ngendlela yokusebenzisa i-calculators zemali kunye neeprogram ze-spreadsheet. Nangona kunjalo, iimviwo ezithile zeengcali kunye nabafundi abathile beekholeji baxhomekeke kwixabiso lexesha leetables. Itafile ziluhlu lwee-multipliers ezithatyathwe kwixabiso elifanelekileyo lexesha lemali ukwenza ifom yexabiso leemali lula.
Izibalo zeemali zenzelwe ngokukodwa ixesha lokubala kwemali. Kukho iziqhosha ezintlanu oza kuzifuna ezi zibalo.
Njengomzekelo, i-key N isetyenziselwa inani lexesha lexesha; I-key Y / YR isetyenziselwa inqanaba lomdla ngelixesha; I-key ye-PV isetyenziswe ukungenisa ixabiso langoku elifuneka lifakwe njengenombolo engalunganga ngokusebenzisa i-+/- key; Isitshixo se-PMT sisetyenziselwa ingxaki yokuhlawula ukuba unayo uluhlu lweentlawulo ezilinganayo, ezilandelelanayo.
Ngaphandle koko, ngu-0; Isitshixo seFV okanye iqhosha le-5 yinto echaseneyo oye uyisombulula yona, ngokuqinisekileyo, iya kutshintsha.
- Sebenzisa ixabiso lexesha elifanelekileyo leMali yeFomula
- Sebenzisa Ixabiso lexesha leMali yeTrakiti
- Sebenzisa i- Financial Calculator
- Sebenzisa iSpreadsheet Programme
Iiprogram zeSpredishithi, njengeMicrosoft Excel, zilungele ixesha lokubala kwemali kunye nezinye izibalo zemali. Ubuhle beprogram ye-spreadsheet yinto engasetyenziselwa ukubonisa imiba yexabiso lexesha lemali njengeprogram yoqwalaselo lwegama kunye nezinto ezifana nezihlandlo.
Kukho ezininzi iintlobo zexabiso lexesha lokubala kwemali ukuba amashishini amancinci asetyenziswe kwimisebenzi yabo yezemali. Ezinye zazo ziquka ukuxazulula inzala, ukuxazulula inani leminyaka, ukuxazulula ukuxabisa okwangoku kwezibonelelo eziqhelekileyo kunye nokuhlawulwa kwemali, ngenxa yokusombulula ixabiso elizayo leemali eziqhelekileyo, kunye nokuhlawulwa kwemali, ngenxa yokufumana isisombululo sokuhlawulwa kwemali, kunye nokusombulula Ixabiso elikhoyo langoku kweemfucumfucu zeemali eziqhelekanga.
Kwakhona, sisebenzisa ezi ngcamango kwiinkqubo zemali ezifana nokubala ixabiso lexabiso langoku , inzalathisi yokuzuza , izinga lokubuyiswa kwangaphakathi, kunye nezinye iinkqubo zokuhlawula ibhajethi ezenza ukuba ishishini elincinci liphumelele.