Kumaxabiso - yinto indlela yokufumanisa i-capital

Umlinganiselo wenzala idlala indima enkulu nebalulekileyo kwizigqibo zotyalo. Unga sebenzisa oku ngokuchanekileyo ngokwaneleyo ukuba wenze uvavanyo lwe investment ngakwicala imveliso yabo. Ekwenzeni utyalo-mali, umtyali-mali kwindawo yokuqala ngokwayo kungenela ukusetyenziswa kwezibonelelo zemali, kwaye kuyimfuneko ukuba bafumane imbuyekezo umonakalo lowo uthemba. Ngenxa yoko, ulindele kuphela imbuyekezo kutyalo-mali, kodwa ukuze afumane imali ethile. Ngenxa yoko, ekwenzeni utyalo-mali kufuneka zisekelwe izinga lemarike wenzala: le projekthi kucingelwa ukuba engeluncedo lwanto ukuba umyinge wenzala ingaphezulu umgangatho inzuzo utyalo-mali ekucwangciselwa yena. Ngoko kuyimfuneko ukuba uyithathele ingqalelo amathuba ezahlukeneyo kwezigqibo mali.

Kwiinzame ukwandisa imali yawo, abadlali kwezoqoqosho kufuneka isebenze kwaye izicwangciso imisebenzi ngendlela yokuba ukuze anike enempembelelo enkulu. Yinto eyaziwayo ukuba imilambo ingeniso evela kutyalo hayi ngexesha yaneka phezu ixesha eziliqela. Kulo mba, uqoqosho usebenza nge gama ezifana kumaxabiso.

Le ndlela uthelekiso unxulumano lwe elizayo kunye nexabiso langoku-asethi ezinkulu. Intsingiselo yale nkqubo imi ngolu hlobo. Xa becwangcisa iprojekthi zotyalo-mali, ukuze siwenze kunye neendleko oluqhubekayo ngoku lungeniselo elizayo ezinokubakho.

Kufuneka ube uyakwazi ukusebenzisa kumaxabiso. Oku kunceda ukudala isisombululo ekunene kwaye yenza ukhetho nenengqiqo. Umzekelo, ukuba kuyimfuneko ukumisela phantsi kweziphi iimeko zivuma ngakumbi ukunika mboleko-29% ngonyaka ukuba kongezeleka compound umdla zekota okanye uxanduva lomthwalo semiannual ngomlinganiselo-31%.

Le ngxaki isondlo kunzima kakhulu ukusombulula, kodwa esebenzisa ubuchule zemathematika, sinako ukubala ukuba isiphumo mkhulu uya kuba ngowama-31% -s ' isaphulelo rate. Oku kuya kwenza ibhanki ukuthintela ukulahleka kwengeniso ezinxulumene ne akuthandeki okanye anisizakali kuko ebhankini unetyala iphantsi kakhulu izinga lenzala. Le ndlela kuvamile ukuba izigqibo zotyalo-mali.

indlela isaphulelo

Le ndlela, ngathi ukubalwa compound interest na uhlobo yovavanyo uthathe ingqalelo apho utshintsho kunokwenzeka ngexesha ixabiso lemali. Isizathu sokuba le nguqulelo ayikho nkqu iziganeko emali. Ngapha koko, imali sedola ixabiso layo zero utshintsho xa ucinge ngomvuzo elizayo yotyalo-mali ukuze bakuthathele ingqalelo ilahleko yenzuzo. Kwaye kwezinye iimeko, kumaxabiso afanelekileyo. Oku kuya kunceda kuphosa athandabuze ukuchaneka ixabiso-asethi zemali apho kukho ukulibaziseka kwexesha imali.

Nge kumaxabiso nokuvavanywa ngokutsha kweeprojekthi investment zexesha elide, eyanika imigangatho accounting.

Ukwenza uhlalutyo zemali lokungena nokuphuma kwemali lendlele ikwasetyenziswa kumaxabiso. Kufuneka yenziwe ngokulandela iingcebiso Ubulungiseleli Economy ukuba ukuvavanya ukusebenza iiprojekthi zotyalo-mali.

Ngokutsho iingcebiso, kumaxabiso ubizwa ngokuba nokuphuma kwemali kwanciphisa zenzeka amaxabiso awahlukeneyo kwixabiso abo kwixesha elithile enye. Isithuba ngenxa uqobo ulinganiswa kwiminyaka.

Enyanisweni, kumaxabiso - ngumlinganiselo le amandla okuthenga imali, ixabiso lazo emva kwexesha elithile. Xa noseko lwalo buthelekiswa kunye namaxabiso zangoku iminyaka elizayo.

Kwi indlela kumaxabiso lingakwazi kunokuthiwa oko kukuthi ukubala evumela ukuba ukunika impendulo kuloo nto, ufuna njani imali eninzi ukutyala namhlanje angaphezu kweminyaka eliqela ukuze ufumane mali yengeniso elithile.