Kuziva Nharaunda Yako Inofadza Inogona Kukubatsira Ponesa Mari
Kune nzira dzakawanda mabhizinesi anoshandisa kuverenga nhamba yezvibereko uye imwe nzira inoshandura huwandu hwekufarira iwe unobhadhara. Kana iwe uchiziva kuverenga zviyero zvezvibereko, iwe unonzwisisa zviri nani chikwereti chako chekwereti nebhangi rako. Iwewo uchange uri panzvimbo yakanakisisa yekutaurirana nehuwandu hwechido chako nebhangi rako.
Apo bhizinesi rinokutaurira iwe chikwata chekuda, inodzokorora izvo zvinonzi iyo inoshanda yehuwandu hwekufarira, inozivikanwawo segore rega rega puropu (APR) . IAAP kana huwandu hwehuwandu hwekufarira kune yakasiyana nedzimwe tsanho yekufarira, zvichibva pamigumisiro yekuwedzera kwechido.
Mabhandiwo anogona kusunga chikwereti chenharaunda yako kuenzanisira, kazhinji inotangira chibereko chekufarira. Kana chikwereti chako chinosanganisira urongwa hwakadaro, chido chako chekufarira chichasiyana, zvichienderana nekuchinja kwechiratidzo ichi.
Nzira Yokuverenga Nayo Kufarira Mutengo Wegore Rimwe
Kana iwe ukwereta $ 1 000 kubva kubhangi kwegore rimwe uye unofanira kubhadhara $ 60 muzvibereko zvegore iro, yako inofanirwa kutora chikwata ndeye 6 muzana. Heanoi kuverenga:
Mutengo unobatsira paNyore Inoshandiswa Mutero = Chido / Chechi = $ 60 / $ 1000 = 6 muzana
Nhamba yako yepenteji yegore negore kana APR inofanana neyo yakatarwa muzana mumuenzaniso uyu nekuti hapana chidimbu chinowanikwa kufungisisa.
Ichi chikwereti chechido chechido.
Munguva iyi, chikwereti ichocho hachina kunaka kana iwe uchichengeta mari kwenguva shoma. Somuenzaniso, kana ukwereta $ 1 000 kubva kubhangi kwemazuva makumi maviri uye chikwereti chechibereko chinoramba chiri pa6 kubva muzana, iyo inoshanda yegore negore inotora yakawanda kwazvo.
Kubudirira mutengo = Inofanirwa / Mutungamiri X Mazuva Egore (360) / Mazuva Okubhadhara Anowanikwa
Kubudirira kweMaripo neChirungu Chisingasviki Gore Rimwe = $ 60 / $ 1000 X 360/120 = 18 muzana
Nhamba inobatsira yekufarira ndeye 18 kubva muzana sezvo iwe uchingoshandisa mari yemazuva 120 pane mazuva 360.
Nhamba Yechido Inobatsira paMari Yakabhadharwa
Dzimwe mabhangi dzinopa mari shoma. Zvikwereti zvakabhadharwa zvikwereti zvine chikwereti chinotora chikwereti chinobviswa kubva kumukuru mukuru chikwereti chikwereti chisati chabviswa.
Kubudirira kwehuwandu pane chikwereti chinoderedzwa = Nharaunda / Mutungamiri - Nharaunda X Mazuva Mugore (360) / Mazuva Okubhadhara anowanikwa
Kubudirira kwehutengo pane chikwereti chinoderedzwa = $ 60 / $ 1,000 - $ 60 X 360/360 = 6.38 muzana
Sezvaunogona kuona, iyo yehuwandu yemari inofarira inopfuura yakakosha pane chikwereti chinoderedzwa pane pane chikwereti chechikwereti chiri nyore.
Nharaunda Inofadza Inobatsira Nekubhadhara Mihairiro
Dzimwe mabhizinesi dzinoda kuti bhizinesi rekambani rekushandisa bhizimusi rebhandi rebhizimisi rive nehana, inonzi kureva mabheji, nebhani ravo vasati vabvuma chikwereti. Ichi chinodiwa chinoita kuti huwandu hwekufarira huwedzere.
Kubudirira kwekubhadhara nekubhadhara zviyero (c) = Kufarira / (1-c)
Kubudirira kwekubhadhara chikwereti = 6 muzana / (1 - 0.2) = 7.5 kubva muzana (kana c iri 20%
Nhamba Yechido Inobatsira paNjodzi Mitsara
Vashandi vakawanda vane zvikwereti zvitsva, izvo zvikwereti zvinorayirwa nehuwandu hwekubhadhara.
Zvikwereti zvakawanda zvemotokari zvikwereti zvishoma, somuenzaniso.
Zvinosuruvarisa, chimwe chezvinonyanya kukanganisa nhamba yemari iyo iwe uchanzwa yakataurwa pane imwe chikwereti chebhangi ndeyokuti pane chikwereti chechikwata. Chimwe chikwereti chikwereti chido chekuda mari inowanzova yepamusoro-soro yemari yaunosangana nayo. Kushandisa muenzaniso kubva kumusoro:
Kubudirira kwemukana wechikwereti chikwereti = 2 X Gore roga roga rekubhadhara X Kuda / (Total hapana yekubhadhara + 1) X Mukuru
Kubudirira kwezinga / kuiswa kwemari chikwereti = 2 X 12 X $ 60/13 X $ 1 000 = 11.08 muzana
Nhamba yezvikwereti pane iyi chikwereti chikwereti ndeye 11.08 muzana, kana ichienzaniswa ne7,5 muzana pane chikwereti nekubhadhara zviyero.