Likumira thumba - ndi kuchuluka kwa anapeza ndalama tsopano umalimbana ndi resumption phindu likulu lokhazikika. Kudziunjikira ndalama kudzera mwa depreciation, womwe ndi mbali ya ndalama kupanga. Choncho, maziko cushioning Imakhala kwambiri wathunthu ogwira kukhalapo. Iwo kuthetsa kuvala mtengo zida ndondomeko, zoyendera nyumba ndi zomangamanga, kusonyeza buku la ndalama lolunjika pa kuchira awo.
Amortization ndi depreciation wa chuma atathana
Komabe, ngakhale mfundo ukadali ntchito mlandu ano, ndi njira m'malo umboni wa mapangidwe, si ataphimbidwa ndi mawonekedwe malamulo a thumba lapadera. Likumira thumba kuyambira 1992, mu kuchita, kuti kulibe, woimira yekha mlandu opangidwa kuchokera yosungirako kwaiye chifukwa mitengo ya zinthu. Kusintha lamulo zachitika mwa wamba m'ziwawa a boma chuma ndi amalonda payekha. Pambuyo pake, aphungu anaganiza kuti ntchito ulamuliro luso ntchito imene adzachira depreciation wa chuma mapulani mu chilengedwe demokalase sali woyenera. Ngakhale chuma ambiri masiku ano lero sigwirizana ndi mawu a vuto m'banja zachuma amakampani ndi mabungwe a opanga malamulo Russian, monga hayala likulu la mabungwe malonda mabizinezi ano nkhani zachuma ofanana thumba Soviet nthawi zambiri popangidwa ndi amene anayambitsa bungwe, ndipo zimafunika ku malo akunja ndalama . Choncho, mamanijala mudzagwiritse zachuma Amachitanso wopalamula kwa ndalama, komanso kasamalidwe ka mbewu kuti boma la Soviet pa nthawi. Likumira thumba, nayenso, musalole kuyendayenda woyang'anira zongopeka kumaliza, popeza katswiri yaikulu kwambiri likuvutika benefiti, monga timatha ndi deduction ku mtengo. Komabe, popeza mawonekedwe malamulo a ndondomeko si anachititsa, ndiye depositors amakhalabe yekha mosamala kwambiri kuonanso bwino chikoka ndalama za kumalo a ntchito, modalira chikhulupiriro chabwino cha utsogoleri wake.
Ogwira likumira thumba
Koma zambiri zimachitika kuti kampani zonse kumabweretsa mfundo lopeza zabwino Investor a. Zikatero, kasamalidwe amagwiritsa ntchito njira zachikhalidwe cha kuwerengetsa ndi depreciation thumba. Pamene zimakhudza mtengo okwana chuma mapulani anasamukira ku malonda chopangidwa pa nthawi yonse ya utumiki wawo. Ndiko kuti, pa kuchuluka kuti akhoza azilipira kwathunthu kwa chuma ndi yoikidwiratu amavala. Voliyumu ya likumira thumba ku mfundo masamu a view motere:
AF + MF = KR + M + A, kumene:
- PV - mtengo wa katundu lokhazikika;
- KR - mtengo wa amortization kukonza panthawi;
- M - mtengo wa moyo wamakono;
- L - phindu liquidation.