Rate isaphulelo njengoba ukuhlaziywa ipharamitha bekuhlela utshalomali

Ukwenza yiluphi uhlobo womsebenzi awunakuba khona ngaphandle kokuthethelela ukuqaliswa ukuhlaziywa kwezezimali olunzulu, okuyinto sihlanganisa utshalomali ukuhlela, uhlela ibhizinisi zekusasa futhi wekuhlola zamanje. Kulokhu kuhlahlela salezi zigaba sihambisana khona ipharamitha ezifana rate isaphulelo. Ngakho, nengozi isuke inkulu imisebenzi eqhubekayo, ayanda okulindelwe zimali kanye bomnotho, futhi ayanda nezimfuneko ekubaleni olunembile nangokuhlola ngokujulile ukubaluleka nokuphuma kwemali. Lokho ukuhlaziya imali engamancozuncozu esimeningcondvo imithombo yemali engenayo kuyinqubo discounting. Ngesisekelo lo msebenzi ukwenza eqondile idatha kohlaziyo.

Ukunciphisa ukungafani phakathi kwe kuhlelwe izinkomba phambili nedatha yawo yangempela esizayo okufanele isetshenziswe kahle ukubala nemingcele izindleko (izimali, izindleko), inhloko-dolobha isakhiwo, notshwala utshalomali, iyadingeka acabangele ukubaluleka bokungasetshenziswa impahla ekhona futhi Yiqiniso, izinga isaphulelo (okuyinto rate isaphulelo).

Lelo nani yokugcina ephawula abahlanganyeli ukusetha intengo zabo zokukhiqiza dolobha. ezingeni kwakho kuncike emakethe senzalo, kanye okulindele yabo, amakhono kanye nemigomo yakhe. rate isaphulelo ebonisa ukuthi sezingeni elamukelekile inzuzo the zimali phezu ruble etshaliwe dolobha, okungase kube by imali e okunye, ibhizinisi akunazingozi.

Ukuze uthole ukuqonda ngokuphelele, singasho kulula. Ngokwesibonelo, ngemva kweminyaka engu-5, umuntu ofuna ukuthola 10,000 okunemibandela amayunithi yemali. rate isaphulelo kuncuma kangakanani-ke kudingeka ukuthi atshale imali emsebenzini wokukhiqiza uzwane noma ngenye ukulahla lemali esikhathini esizayo. Ngakho-ke, lesi sibalo nethonya elikhulu kukhethwa iphrojekthi utshalomali.

Ngaphezu kwalokho, ipharamitha isetshenziswa kuyo yonke imikhakha kanye nezimboni. Futhi injongo ke - ngaso sonke isikhathi uhlelo utshalomali. Iphinde lichaza imisebenzi kunoma iyiphi inhlangano. rate isaphulelo ubalulekile ukuhlaziywa izindleko utshalomali, kanye zonke izinhlobo izindleko Imininingwane ku ukuhlelelwa kwebhizinisi.

Kanye ukuhlaziywa utshalomali ziyamaniswa nokungangeni, ukuphathwa kwanoma iyiphi inkampani has ithuba lokukhetha imodi okungenani ezibizayo zokukhiqiza noma enenzuzo kakhulu. Bobabili likuvumela ukunquma ncamashi rate isaphulelo. Ifomula ukusiza ukubala usayizi inkomba, kufaka inombolo enkulu nemingcele ahlukahlukene ezifana:

- lenzalo (setha ngumnikazi we naleyo ebolekisayo);

- Imali engenayo isilinganiso (ngesilinganiso ukubuya, okuyinto efakwe nokulingana);

- izinga lokwehla kwamandla emali ;

- izinga refinancing;

- kokuhlaziywa uchwepheshe;

- the kwesamba isilinganiso izindleko zemali yokuqhuba ibhizinisi , njll

Izinga Isaphulelo kungenziwa kunqunywa Inkulumo elandelayo:

R = RF + (Rmax + Rmin) / 2 + S, lapho

R - ngokulandelana, izinga isaphulelo;

Rf - Izinga engozini-free;

Rmax, Rmin - esiphezulu kanye esincane amaphrimiyamu ingozi;

S - Ukucabangela izingozi awutholi imali kulindeleke.

imisebenzi Izingozi khulula zitholakala kuphela imodeli ekahle umnotho. Futhi lezi Okwamanje akekho. Kodwa kukhona omningi utshalomali iphrojekthi izindlela ukuhlaziywa, enye yazo indlela ukulungisa rate isaphulelo.