Yintoni compound umdla yaye yintoni inzuzo yalo?

Ngaphambi kokuba umntu ngamnye ofuna ukuvula i -akhawunti yebhanki, umsebenzi ukukhetha uhlobo engcono inzuzo-akhawunti yebhanki. Ukuba ngaphezulu okanye ngaphantsi ecacileyo kunye neebhanki - kunokwenzeka ukuba uzulazule iireyithingi ezininzi kwaye khetha ofisi, apho ibekwe kude ukusuka kwindawo ahlala kuyo, evela lokukhetha uhlobo akhawunti imeko inzima kakhulu. Ngenxa ukongeza umyinge wenzala kufuneka kuqwalaselwe nkqu ithuba dipozithi wemvula, ungayikhupha ngaphambi kwexesha, indlela yokubala inzala kunye nezinye izinto. Ukongeza ubungakanani ipesenti oko kubaluleke kakhulu ngohlobo lwayo. Cinga ngokweenkcukacha kwahluka phakathi ilula kwaye njengepesenti ezintsonkothileyo.

Simple Interest. yokubala ifomula

Nge umdla elula , yonke into icacile, kuba wayefunda esikolweni. Into kuphela ukuba ukukhumbula ukuba umyinge wenzala yi usoloko kuboniswe kulo nyaka. Ngoko nangoko ifomula ngokwalo ifomu:

CC = NA + NA * i * NA = n * (1 + i * n), apho

NA - le mali sokuqala,

COP - inani lokugqibela,

i - ixabiso izinga lenzala. Ukuze idipozithi isithuba seenyanga 9 izinga-10%, i = 0.1 * 9/12 = 0.075 okanye 7.5%,

n - linani lamathuba udityaniso.

Nantsi imizekelo embalwa:

1. yomtyali ubeka amawaka-50. Engange ukuba idipozithi gama-6% APR iinyanga 4.

COP = 50000 * (1 + 0,06 * 4/12) = 51000,00 p.

2. Ikota deposit 80 lamawaka. Engange phantsi 12% ngonyaka kangangeminyaka 1.5. Kulo mzekelo, inzala ehlawulwa rhoqo ngekota ukuya ikhadi (idiphozithi ukuba inthanethi).

COP = 80000 * (1 + 0,12 * 1,5) = 94400,00 p. (Njengoko iintlawulo zekota umdla akuxhomekekanga kwimali ekufanele njengedipoziti isixa yokugqibela kule imeko ayikho ezichaphazelekayo)

3. Le mali wagqiba ekubeni abeke engange 50,000 kuba idiphozithi gama-8% ngonyaka iinyanga ezili-12. Ukuvunyelwa ukuba ubuyise yedipozithi kunye akhawunti wemvula kwenziwa iintsuku 91 kwi-mali ka-30,000 engange.

Kulo mzekelo, kufuneka ukubala inzala yezavenge ezimbini. Okokuqala - oku 50,000 p. nonyaka-1, kwaye eyesibini 30,000 engange neenyanga-9.

KC1 = 50000 * (1 + 0,08 * 12/12) = 54000 kwi p.

KC2 = 30000 * (1 + 0,08 * 9/12) = 31800 kwi p.

CS = CS1 + CS2 = 54000 + 31800 = 85800 p.

Inzala ephindeneyo. yokubala ifomula

Ukuba imiqathango idipozithi ibonisa ukuba capitalisation kunokwenzeka okanye utyale, oko kuthiwa kulo mzekelo, inzala compound kuya kusetyenziswa, apho ubalo lwenziwa kwi fomula ilandelayo:

COP = (1 + i) ⁿ * NA

Amagama ziyafana kwifomula ngenxa yomdla elula.

Kwenzeka ke ukuba inzala ihlawulwa rhoqo ngaphezu kanye ngonyaka. Kulo mzekelo, elukhuni zibalwe ngepesenti ngokwahlukileyo kancinci:

COP = (1 + i / a) ^nk * NA, apho

ku - amaza imali ngonyaka ngamnye.

Ukubuyela umzekelo wethu, apho iBhanki iye yamkela idipozithi elide amawaka 80. Engange phantsi 12% ngonyaka kangangeminyaka 1.5. Zicinge ukuba inzala nayo ihlawulwa ngekota, kodwa eli xesha baya ziyakongezwa umzimba idipozithi. Oko kukuthi, siya kubeka kunye capitalisation.

COP = ^{(1 + 0.12 / 4) 4} * 1.5 * 800000 = 95524.18 p.

Njengoko sele uqaphele, isiphumo soko kwi 1124,18 engange ngaphezulu.

Buhle izimisele

Compound inzala xa kuthelekiswa elula ihlala izisa ingeniso engakumbi, yaye lo mahluko, baba phezu kwexesha ngokukhawuleza nangokukhawuleza. Le ndlela iyakwazi ukuguqula naluphi na eyinkunzi start-up kwi umatshini inzuzo kakhulu Kufuneka unikezele kuphela ixesha elaneleyo. Ngelo xesha, Albert Einstein ebizwa compound umdla awona mandla kwindalo. Xa kuthelekiswa nezinye iintlobo kwemali uhlobo igalelo zinezibonelelo ebalulekileyo, ingakumbi xa loo mali ukhetha ixesha elide. Xa kuthelekiswa nemithi, inzala compound na umngcipheko ngaphantsi kakhulu yaye imixokelelwane ezizinzileyo uvelise imali ngaphantsi. Kakade ke, nayiphi na ibhanki ekugqibeleni wonakaliswe (nantoni na enokwenzeka), kodwa ukhetha iziko mali inxaxheba kurhulumente scheme insurance idipozithi, leyo ukuba kucuthwe kwaye nengozi.

Ngenxa yoko, sinokuthi compound inzala amathuba kakhulu kunokuba phantse nasiphi na isixhobo zemali.