Kukanganiswa Kwekubhadharwa Kwokubhadharwa Nguva
Izvo zvishoma nezvishoma kubhadhara nguva yekuverenga zvinenge zvichiri kushandiswa zvakanyanya nevatungamiriri vanoda kuziva apo vachadzorera mairi ekutanga kushandiswa , asi ine zvikanganiso zvitatu zvikuru:
- Chokutanga, kukosha kwenguva yemari hakufungi kana iwe uchiverenga nguva yekubhadhara. Mune mamwe mazwi, pasinei nokuti gore ripi raunowana kubuda kwemari, inopiwa kuenzana kwakafanana segore rokutanga. Izvi zvinokanganisa nguva yekuwana mari yekutanga yekutsvaga.
- Chimwe chechipiri kukanganisa kwekufungisisa kwemari inoyerera kupfuura nguva yekubhadhara. Kana iyo purojekiti inotora nguva yakareba kudarika nguva yekubhadhara, chero mari inotenderera iyo inogadzira mushure mekutanga kwekutsvaga kwekutsvaga haina kuonekwa zvachose munguva yekubhadhara nguva yekuverenga.
- Chechitatu, uye zvichida kunyanya kukosha, kukanganisa ndechokuti kuverenga kuderedzwa kwekubhadhara nguva hakupi chaizvo kupa maneja wemari kana bhizinesi muridzi wemashoko anodiwa kuita sarudzo yakanakisisa yekutsvaga. Mukuwedzera kune zvikanganiso zviviri zvokutanga, muridzi webhizimisi anofanirwa kufungidzira kune chikwereti chechido kana kuti mari inokosha . Nokudaro, haisi iyo nzira yakanakisisa yekushandisa pakusarudza purojekiti yekutsvaga. Izvozvo zvakati, ichi chikamu chechitatu chekuderedzwa kwekubhadharwa kwenguva inogona kubviswa kana kuyerwa kwemareji ehomwe mari inoshandiswa seyero iyo inogona kubvisa mari inoyerera.
Makomborero eKubhadharwa Kwekubhadhara Nguva
Kunyange zvazvo isinganyatsogutsikana zvachose, kuverenga kwekuderedzwa payback nguva kunofananidzwa zviri nani kudarika kuverenga uchishandisa nguva isina kubhadharwa yekubhadhara sechisarudzo chekubhadharwa kwemari sarudzo. Izvozvo zvakati, kunyanya kuverengeka kuverengera kushandiswa muzviitiko zvakawanda ndiyo yehuyo ikozvino kukosha kuverenga .
Kuenzanisa Kwekubhadharwa Kubhadhara Nguva
Iko kuverengerwa kwekuderedzwa payback nguva yakasiyana zvakanyanya kudarika kuverengwa kwemazuva ose ekubhadhara nguva nokuti mari inoshandiswa inoshandiswa muhuwandu inoderedzwa nezviyero zvakakosha mari yekushandisa inoshandiswa seyo muda wekutora uye gore umo kushamba kwemari kunogamuchirwa. Heino muenzaniso wekuderedzwa kwemari kuyerera:
Fungidzira kuti gore rokutanga mari inopera kubva purojekiti iri $ 400 uye inorema muvhareji yemari yehuwandu ndeye 8%. Heino chirevo:
Mari Yakabhadharwa Mutengo Gore 1 = $ 400 / (1 + i) ^ 1, apo ini = 8% uye gore = 1
Iko kuverenga kwekuderedzwa payback nguva uchishandisa muenzaniso uyu ndeyotevera. Fungidzira kuti kambani inoda kuisa mari inosvika $ 10 000 uye inotarisira kubudisa mari inokwana $ 5,000 mugore 1, $ 4,000 mugore rechipiri, uye $ 3,000 mugore 3. Ivhareji inorema mari inosvika 10%. Heano matanho aunoshandisa kuverenga nguva yakaderedzwa yekubhadhara:
1. Kurudzira mari inoyerera kumashure ikozvino kana kuti kukosha kwayo ikozvino :
Heano maverengi aya:
- Gore 0: - $ 10,000 / (1 + .10) ^ 0 = $ 10,000
- Gore 1: $ 5000 / (1 + .10) ^ 1 = $ 4,545.45
- Gore 2: $ 4000 / (1 + .10) ^ 2 = $ 3,305.79
- Gore 3: $ 3000 / (1 + .10) ^ 3 = $ 2,253.94
2. Cherechedza kuwedzerwa kunokonzerwa nekushamba kwemari:
- Gore 0: - $ 10,000
- Gore 1: - $ 5 454.55
- Gore 2: - 4 $ 2,148.76
- Gore 3: $ 105.18
Nguva yakabhadharwa payback (DPP) inowanikwa apo kuipa kwakakosha kunokonzerwa nekushamba kwemari kunoshanduka kuva mari yakanaka inoyerera iyo, munyaya iyi, iri pakati pechipiri neyechitatu gore.
Chirongwa chekuwana chaicho chinoderedzwa chekubhadhara nguva chinotevera:
DPP = Gore Pamberi DPP Inosvika + Cash Flow Cumulative In Gore Mugore Usati Wadzorera รท Dhauriro Yakabhadharwa Mumwedzi Mushure Mokudzoka
Tichishandisa muenzaniso wedu pamusoro apa, nguva yakatarwa yokubhadhara nguva (DPP) yaizoenzanisa 2 + $ 2,148.76 / $ 2,253.94 kana 2.95 makore. Muchiitiko chacho, kubhadhara kunodzosera zvinyorwa zvayo mumakore mashoma pasi pemakore matatu.
Kushandisa Financial Calculator kuti Uzvidzivirire Period Nguva
Iwe unogona kusarudza nguva yekubhadhara ine zvishoma zvaro kuverenga kuburikidza uchishandisa imwe yeazhinji yakakurudzirwa mari yekuchengeti inowanika pahofisi yepamusoro yekutengesa mahofisi.
Zvimwe, enda pane imwe yezvikwereti zvemari zvematanzura zvemari.