Jaan e Mann isikhathi - inkomba ukhiye the zimali

Emongweni ukuqongelela dolobha ngokwanele (Omunye angase athi ngisho, ukubukeka babutha dolobha, okungakwazi nebhizinisi yabo), ngabanye ezizimele nezinye izikhungo zezimali ucabanga indlela yokwenza atholakale okwesikhashana khulula imali emsebenzini, ngoba self-ukunwetshwa capital umsebenzi wayo oyinhloko . Ukuze uzwisise ngokushesha kangakanani lo somabhizinisi iqala ukuzuza imali etshaliwe kuyinto ebalisisiwe payback isikhathi. Lokho kusho sibalo futhi ingabalwa kanjani, thina chaza kulesi sihloko.

Isikhathi payback lekusisa kubonisa ukuthi kunini lapho kungashiwo imali ngokweqile uma utshala imali ngeke idlule inani lotshalo mali uqobo kanye iphrojekthi uzoqala ukwenza inzuzo inetha. Ukubalwa le nkomba Kubalulekile zimali, ngoba kumnika ithuba ukuhlola riskiness yephrojekthi kanye nesikhathi lapho yena Awukwazi ukusebenzisa umthombo esishunyekiwe.

Nasi isibonelo esilula. Uma iphrojekthi usise izigidi zamadola, futhi nenani umcebo ayizinkulungwane eziyikhulu, inkathi payback kuyoba iminyaka eyishumi. Uma uthi nhlá kungase kubonakale ukuthi ngokushesha asule iphrojekthi, kunamathuba amaningi okuthi kungenzeka kuyoba ukutshala imali, kodwa empeleni akunjalo, futhi ngezansi sizochaza ukuthi kungani.

Ukubalwa kwesikhathi payback ukutshalwa - inqubo ebalulekile obulandela isinqumo iqhaza noma ukwenqaba ukuhlanganyela ezintweni iphrojekthi Ngingumfana lokhu noma lokhuya. Kuye ngalokho ethemini ye-project, ingasetshenziswa izindlela ezahlukene:

1. Uma amaphrojekthi zimfushane eside (unyaka owodwa), ebalwa evamile payback inkathi ukutshalwa - division eyimfihlo lemali etshaliwe ku inzuzo nyangazonke. Le nqubo ikuvumela ukubala, lapho sithola imali yethu kulokho okubizwa ngokuthi inani lesikhathi esizayo.
2. Uma phrojekthi iminyaka embalwa, kungcono ukubala ehlisiwe payback isikhathi lekusisa esenza ukulinganisa lapho sizobuya imali etshaliwe ku Inani lamanje. Umehluko phakathi izindleko zamanje nezesikhathi esizayo wukuthi imali kungaphansi inqubo emali, okusho ukwehla. Ngakho, i-dollar ayisigidi namuhla, ungakwazi ukuthenga inqwaba amagugu zangempela kunokuba okufanayo amaRandi ayisigidi eminyakeni eyishumi. Ukuze uzwisise, uma sibuyela lemali etshaliwe ukubaluleka kwangempela ngesikhathi utshalomali, kulinganiselwa the ehlisiwe payback isikhathi. Ukubalwa le nkomba akwenzi mqondo yamaphrojekthi yesikhashana, njengoba umnotho ngaphezulu noma okuncane, kwamanani ezimpahla ngonyaka kuba ngokulandelana 5-7 per cent futhi ngokuya zokukhokha ukuzishintsha esimweni kangcono emasontweni ambalwa, okuyinto neze elithi ibhizinisi elikhulu, kunakwe. payback Kwehliswe sizikhandle ibalwa kanje: Isikhathi Simple iphindaphindwe inani amayunithi, kanti isilinganiso yonyaka izinga lokwehla kwamandla emali rate, ephakanyiswe emandleni ilingane nesibalo seminyaka kokutshalwa kwezimali.

Kanye kwemali, ikusasa futhi inani lamanje imali, isikhathi payback utshalomali ingenye izinkomba ezibaluleke kakhulu ezisetshenziswa umphathi utshalomali. Kuyaphawuleka ukuthi ngaphezulu payback okusheshayo kuvame ukuhlotshaniswa obukhulu - ayanda isilinganiso sokubuyisela, ungaba yingozi enkulu uhamba kudingekile ukwenza ukuze uwufinyelele. Ngakho akubona bonke zimali Pozar phezu isilinganiso sokubuyisela 300% futhi payback e izinyanga ezine - kuyinto awokuthi kakhulu ukuthi utshalomali yakhe uyozishisa nje ngenxa yobudedengu noma izehlakalo control. Investments okufanayo isivuno zingancipha futhi singaba eside payback Kunalokho, ugqozi nethemba.