Chii chinonzi chidimbu chechikamu uye chii chakanaka?

Pamberi pemunhu wose anoda kuzarura bhangi yebhangi, basa racho nderokusarudza bhangi rakanakisisa uye yerudzi rwekubatsira zvikuru. Uye kana zviri nyore kana zvisinganzwisisiki nemabhangi, unogona kutarisa nehuwandu hwekuyera uye kusarudza davi risati iri kure neanogara, saka kusarudzwa kworudzi rwekambani kwakaoma zvikuru. Mushure mezvose, kuwedzera kune kufarira, iwewo unofanirwa kufunga nezvekugona kwekuzadzikisa mari, kubvisa kare, nzira yekuverenga kufarira nezvimwe zvinhu. Mukuwedzera kuhukuru hwepakati payo pachayo, rudzi rwayo runokosha zvikuru. Ngatimbokurukurai zvakadzama, kupfuura mazana akajeka uye akawandisa akasiyana pakati pavo.

Nhamba iri nyore. Calculation formula

Nechikamu chechimwe chezvinhu zvose zvakajeka, nokuti inodzidzwa muchikoro. Chinhu choga chokuyeuka ndechokuti chiyero chinoratidzwa nguva dzose yegore negore. Ivo maitiro acho pachawo ane fomu inotevera:

CS = HC + HC * i * n = HC * (1 + i * n), kupi

НС - chikamu chekutanga,

KS ndiyo chikamu chokupedzisira,

Ini ndiri chido chekufarira. Nokuda kwechimwe chenguva yemwedzi 9 uye chiyero che 10%, i = 0.1 * 9/12 = 0.075 kana 7.5%,

N ndiyo nhamba yekuwedzera nguva.

Ngationgororei mimwe mienzaniso:

1. Dhaidhi inoisa mabhiriyoni makumi mashanu emabhesi panguva imwe chete, pa 6% pagore kwemwedzi mina.

KS = 50000 * (1 + 0.06 * 4/12) = 51000.00 p.

2. Nguva inotora makumi masere makumi matatu emabhule, pa12% pagore kwemakore mashanu. Muchiitiko ichi, kufarira kunobhadharwa kwegore rimwe chete kune kadhi (havakwanisi kudipiti).

KC = 80000 * (1 + 0.12 * 1.5) = 94400.00 p. (Sezvo chikwereti chekubatsira kwemazuva mana hachina kuwedzerwa pamutengo wedhomwe, mamiriro ezvinhu aya haapindi mutengo wokupedzisira)

3. Mutori wezvisarudzo akasarudza kuisa makumi mashanu emakumi mashanu emabhule kuti awedzere nguva, pa8% pagore kwemwedzi gumi nemaviri. Kudzokorora kwechipo chacho kunobvumirwa uye pazuva rechi91 iyo nhoroondo yakazadzwa nemari ye 30,000 rubles.

Muchiitiko ichi, unoda kuverenga kufarira kune zviyero zviviri. Yokutanga 50,000 r. Uye gore rimwe, uye rechipiri 30000 rubles nemwedzi 9.

KS1 = 50000 * (1 + 0.08 * 12/12) = 54000 rubles.

KS2 = 30000 * (1 + 0.08 * 9/12) = 31800 rubles.

KS = KC1 + KS2 = 54,000 + 31800 = 85800 rubles.

Zvakaoma zvikamu. Calculation formula

Kana zviri mumamiriro ezvinhu ekuisa nzvimbo iyo inoratidzwa kuti capitalisation kana reinvestment inobvira, zvinoreva kuti munyaya iyi chidimbu chechikwata chichashandiswa, chakaenzaniswa maererano nehuwandu hwekutevera:

CS = (1 + i) ⁿ * HC

Iko kunyoresa kwakafanana neyomugadziro wekutsvaga muzana.

Izvo zvinoitika kuti kufara kunobhadharwa kakawanda kupfuura kamwechete pagore. Muchiitiko ichi, chido chechikwata chinoverengwa zvakasiyana zvakasiyana:

CS = (1 + i / k) ^nk * HC, kupi

K - nguva zhinji yekuchengetedza gore negore.

Ngatidzokere kumuenzaniso wedu, umo bhangi rakagamuchira demo rekubhadhara makumi masere makumi matanhatu raRuble, pa12% pagore kwemakore mashanu. Funga kuti kufarira kunobhadharwa kwegore roga roga, asi nguva ino vachawedzerwa kudipiyo. Ndiko kuti, mari yedu inenge ichinyorwa.

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

Sezvawakatokwanisa kutarisa, chigumisiro chacho chaiva 1124.18 rubles zvimwe.

Kubatsira kwechikwata chinowanikwa

Chidimbu chido mukuenzanisa neinochera nguva dzose chinounza mari yakawanda, uye mutsauko uyu unowedzera nekukurumidza nekukurumidza. Iyi nzira inokwanisa kuchinja chero ipi zvayo yekutanga-up mumushini unobatsira zvikuru, zvinongoda chete kumupa nguva yakakwana. Pane imwe nguva, Albert Einstein akadana chikamu chekuda kufambisa simba guru pane zvose zvakasikwa. Kuenzaniswa nedzimwe mhando dzezvikwereti, rudzi urwu rwekupa mukana kune zvakakosha zvinobatsira, kunyanya apo mubhadhari anosarudza nguva refu. Kuenzaniswa kune zvikamu, chido chemuganda ine ngozi yakadzika kwazvo, uye hutano hwakasimba hunobhadhara mari shoma. Zvechokwadi, bhengi chero ripi zvingaguma rakapera (zvose zvinoitika), asi kusarudza sangano rebhangi rinopinda muhurumende deposit insurance program rinogona kuderedza dambudziko iri.

Nokudaro, zvinogona kukwikwidzana kuti ruzivo rwechikwata runotarisira zvakawanda pane zvingangoita chero zvigadzirwa zvemari.