Chikwereti kuHutori hweHurumende - Kukosha Kwavo uye Kuverenga

Chikwereti kuhuwandu hwemari ndeye chiyero chemari yose yakabhadharwa neine chikwereti chemari - vatengi, zvikwereti, uye chikwereti. Vamwe vanozviona sechiratidzo chemari yemari; vamwe vanozvitsanangura sechiyero che solvency, vamwe vanochiona sechinhu chakakosha kune hutano hwemari kana kushushikana kwemari. Chiyero chinoratidzwa se peresenti.

Kana muchiitiko, chikwereti chekambani yekutengeserana kwehupfumi ndeye 56%, zvinoreva kuti imwe chikwereti chekwereti chakapa 56% zvemadhora ose emari yekambani yako.

Chikwereti chakakura chezvinhu zvinowanikwa (inopfuura 1%) zvinogona kureva kuti kambani yako inogona kuva nechinetso chekubhadhara mari yakawanda, kana kuti ingakwereta mari pachikwereti chakanyanya kupfuura kana chiyero chacho chiri pasi. Makambani akavakirirwa zvikuru angave ari kuzviisa pangozi yekusava nehanya kana kubhadhara.

Chikwereti chekugadzirisa huwandu hwehuwandu huwandu hwekukwereta kwemari yechikwereti inoshandiswa nekambani inofananidzwa nehuwandu hwehuwandu hwehupfumi hwehupfumi . Inokubatsira kuona kuti mari yako yakawanda inobhadharwa sei uchishandisa chikwereti mari .

3 Nhanho dzekuverenga Dhebha kusvika kuAfaid Ratio

Heano nhanho nhatu dzekuverenga chikwereti chessetteti yehuwandu. Zvose zvese zvinobva pakero rekambani yako.

1. Kuti uverenge chikwereti chehuwandu hwemari, iwe unotarisa pesairi yekambani ; kunyanya, chikwereti chikamu chebhadhaji. Wedzera pamwe chete zvikwereti zvemazuva ano uye chikwereti chenguva refu .
2. Tarisa pazvinhu zvakasara zve balance balance. Wedzera pamwe chete zvinhu zvemazuva ano uye mari yakasara yakasara.

1. Chiparadzanisa chigumisiro kubva paChitatu 1 (zvikwereti zvachose kana chikwereti) nemugumisiro kubva paChitatu 2 (zvikamu zvose). Iwe uchawana chikamu. Semuenzaniso, kana chikwereti chenyu chasvika $ 100 uye yako yose yefuma iri $ 200, ipapo chikwereti chako kune assets chikafu chinokwana 50%.

Zvinoreva kuti 50% yehutori yako inobhadharwa nekwereta mari uye 50% yemari yako yakasimbiswa inobhadharwa nevarimi vako kana nekubhadhara mari.

Nokuti izvi zvinoreva chimwe chinhu kwauri, unofanirwa kuenzanisa chigumisiro ichi nemamwe makore emadhora ekusimba kwako (mafungiro ekutsvaga) uye nechikwereti chemari yezvimwe zvinhu kune dzimwe makambani mumhizha rako. Kana chikwereti chako chikamu chakakwirira kwazvo, saka unofanirwa kutarisisa zvakanyanya kuti sei.

Kufunga

Zvechokwadi, makambani ane chikwereti chakakura chekubhadhara zvigaro anogona kunge ari pangozi, kunyanya mukuwedzera kwechikwata chekutengesa. Vanokweretesa vangave vaine hanya kana kambani inotakura chikamu chikuru chekwereti. Vanogona kuda kuti kambani yacho ibhadhara imwe yadzo kare isati yawedzerwa mamwe chikwereti. Chikwereti chekuenzanisa chikamu chinowanzoshandiswa pane chikwereti chekutengesa. Zvikwereti zvehuwandu hwemari, iyo inoratidzirwa sezvikwereti zvakakwana zvakakamurwa nehuwandu hwezvinhu, inopa kunzwisisa kwakafanana.