Kodi pawiri chidwi ndi zimene mwayi wake?

Musanadye munthu afuna kutsegula akaunti kubanki, ntchito posankha mtundu woyenera ndi kopindulitsa kwambiri chifukwa banki. Ndipo ngati zambiri kapena sichidziwika bwino ndi mabanki - n'zotheka kuyenda mavoti ambiri ndi kusankha ofesi, limene lili kutali na malo okhala, kuyambira kusankha mtundu wa nkhani zinthu zambiri zovuta. Chifukwa kuwonjezera pa mlingo chidwi tiyenera kuziganizira ngakhale kuthekera gawo kubwezeretsa, achire oyambirira, njira chidwi mawerengedwe ndi zinthu zina. Kuwonjezera kukula gawo la izo ndi zofunika kwambiri mtundu wake. Taganizirani mwatsatanetsatane amasiyana pakati losavuta ndi kuchuluka zovuta.

Zambiri Chidwi. mawerengedwe chilinganizo

Ndi chidwi yosavuta , chirichonse chiri bwino, chifukwa anaphunzira ku sukulu. Chinthu chokha tiyenera kukumbukira kuti chiwongola dzanja nthawizonse anasonyeza kuti chaka. Pomwepo chilinganizo iyoyomwe mawonekedwe:

CC = Na + Na Ine Na = N * (1 + Ine n), kumene

Na - kuchuluka koyamba,

Wapolisi - Uwerenge komaliza,

ine - mtengo wa ndalama chidwi. Mtsukowo miyezi 9 ndi mlingo wa 10%, ine = 0,1 * 9/12 = 0.075 kapena 7.5%,

N - chiwerengero cha nthawi Kuwonjezera pa vuto.

Taonani zitsanzo zingapo:

1. Investor amaika zikwi 50. Rubles kwa gawo akuti pa 6% Apr miyezi 4.

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

2. Amakhala gawo 80 chikwi. Rubles pansi 12% pa annum kwa zaka 1.5. Pankhaniyi, chidwi lolipiridwa pa maziko miyezi itatu iliyonse kuti khadi (kwa gawo sali olumikizidwa).

Wapolisi = 80000 * (1 + 0,12 * 1,5) = 94400,00 p. (Monga malipiro itatu iriyonse chidwi si anawonjezera kuti kuchuluka gawo, Uwerenge komaliza kwa chochitika ichi si akhudzidwa)

3. Investor anayamba kuika rubles 50,000 kwa gawo akuti 8% pa annum kwa miyezi 12. Anandilola kubwezeretsanso gawo ndi nkhani kubwezeretsa chidachitika pa masiku 91 kuchuluka kwa rubles 30,000.

Pankhaniyi, muyenera kuwerengera chidwi pa mulingo awiri. Choyamba - ichi 50,000 p. ndi 1 chaka, ndipo chachiwiri 30,000 rubles ndi miyezi 9.

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

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

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

Pawiri Chidwi. mawerengedwe chilinganizo

Ngati zikhalidwe za gawo amasonyeza kuti capitalization nkotheka kapena reinvestment, zikunenedwa kuti mu nkhani iyi, chidwi pawiri zidzagwiritsidwanso ntchito, zomwe mawerengedwe amachitidwa pa chilinganizo zotsatirazi:

Wapolisi = (1 + i) ^N * Na

Mayina ndi amodzi mwa chilinganizo cha chidwi yosavuta.

Pa nthawi imene chidwi yaperekedwa kambirimbiri kuposa kamodzi pa chaka. Pankhaniyi, zimavuta kuchuluka kuchita masamu pang'ono mosiyana:

Wapolisi = (1 + i / a) ^NK * na, kumene

kwa - pafupipafupi ndalama pa chaka.

Back kuti chitsanzo chathu, imene Bank anatengera akuti gawo Rubles 80 chikwi. Pansi 12% pa annum kwa zaka 1.5. Musamachite chidwi ndi sonyezani miyezi itatu iliyonse, koma nthawi imeneyi zidzawonjezedwa kwa thupi la gawo lapansi. Ndiko kuti, tidzakhala mtsukowo ndi capitalization.

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

Monga inu kale mwina mwaona, chifukwa anali pa 1124,18 rubles kwambiri.

The ntchito Kuwonjezera pa vuto

Pawiri chidwi poyerekeza mophweka nthawi zonse muli phindu, ndipo kusiyana kumeneku zawonjezeka mofulumira ndipo mofulumira. limagwirira Izi limatha kusintha likulu aliyense chiyambi-mmwamba mu makina yopindulitsa kwambiri Tiyenera kumupatsa nthawi yokwanira. Panthawiyo, Albert Einstein otchedwa pawiri chidwi ndi mphamvu yaikulu kwambiri m'chilengedwe. Poyerekeza ndi zina ndalama ngati mtundu wa chopereka ubwino kwambiri, makamaka pamene Investor amasankha yaitali. Poyerekeza ndi m'matangadza, chidwi pawiri ndi zochepa chiopsezo ndi zomangira khola patukani zochepa ndalama. Kumene, banki zonse- kenako uwonongedwe (chilichonse chingachitike), koma posankha bungwe ndalama kuti mtsikanayu boma gawo inshuwalansi chiwembu, sipangakhalenso amachepa chiopsezo.

Choncho, tingathe kunena kuti pawiri chidwi ndi chiyembekezo kuposa ndi pafupifupi chida chilichonse chuma.