Discounting - indlela yokunquma inhlokodolobha

Izinga lenzalo yemali mboleko kunendima enkulu futhi ebalulekile izinqumo zokutshala izimali. Ungayisebenzisa ngokunembile esanele ukwenza ukuhlolwa utshalomali phezu ingxenye isivuno sabo. Kuphethe utshalomali, umtshali wemali uyobe kwasekuqaleni ngokwayo zephula amalungelo ukusetshenziswa dolobha imithombo, futhi kubalulekile ukuthola isinxephezelo umonakalo okuyiwona uthemba. Ngakho-ke, ulindele nje kuphela nenzuzo yokutjala, kodwa futhi ukuthola imali ethile. Ngakho, ofeza utshalomali kufanele esekelwe izinga emakethe kwezinhloso zenzuzo: iphrojekthi ubhekwa akunakunisiza uma inani lenzalo ingaphezu kwe-Izinga inzuzo ye-investimenti okuhleliwe. Ngakho-ke kubalulekile ukuba acabangele amathuba ezahlukene utshalomali izinqumo.

Emzamweni ukukhulisa imali yabo, abadlali kwezomnotho uthathe isinyathelo ukuhlela imisebenzi ngendlela yokuthi kungase kube nomphumela enkulu. Kuyaziwa ukuthi ukusakaza engenayo uma utshala imali hhayi ngesikhathi futhi basakaza kweenkhathi eziningana. Kule ndaba, emnothweni usebenza nge eside ezifana discounting.

Le ndlela yokuqhathanisa futhi ukuhlanganisa wekusasa inani lamanje zempahla. Okwakushiwo le nqubo kanje. Lapho ihlela ukuba kube iphrojekthi utshalomali, ukuba sokuboshwa izindleko eziqhubekayo samanje esizayo izimali.

Kufanele bakwazi ukusebenzisa discounting. Lokhu kusiza ukwakha ikhambi esifanele futhi kunike ithuba lokukhetha phakathi kwalezi okunengqondo. Ngokwesibonelo, kubalulekile ukucacisa ngaphansi kwaziphi izimo ezikahle ukuze unikeze loan 29% ngonyaka ukuze qongelele kwakwakhe nesithakazelo wekota noma ekhokhwayo semiannual ngesilinganiso 31%.

Le nkinga kwakuthiwa nzima kakhulu ukuxazulula, kodwa besebenzisa amasu zezibalo, singakwazi ukubala ukuthi umphumela enkulu kuyoba 31% -S ' isaphulelo rate. Lokhu kuzokwenza ukuthi ibhange ukuvimbela ekulahlekeni kwemali engenayo kuhlotshaniswa alithandeki noma akunakunisiza ibhange okweletayo liphansi kakhulu izinga lenzalo. Le ndlela kuyinto ejwayelekile izinqumo zokutshala izimali.

indlela isaphulelo

Le ndlela, efana ekubalweni kwakwakhe nesithakazelo kuyinto okufana kokuhlaziywa lapho acabangele ukushintsha kungenzeka ngesikhathi Inani lemali. Isizathu sokuba lezi zinguquko ayixhomekile ngisho imihlola inflation. Phela, imali kanye ukwehla nokwenyuka kwemali zero ushintsho enanini layo uma ucabanga imali esikhathini esizayo uma utshala imali futhi acabangele ekulahlekelweni inzuzo. Futhi kwezinye izimo, discounting ezifanele. Lokhu kuzosiza ukuba baphonse singabaze ngokunemba uhlu izimpahla zezimali okuyiwona kukhona ukubambezeleka imbuyiselo ngesikhathi.

Nge discounting revaluation eside amaphrojekthi utshalomali, okwakwenza kube lula ukuthola amazinga ezimali.

Ukuze enze ukuhlaziywa wezimali ka nokuphuma kwemali liyasetshenziswa discounting. Kumele kwenziwe ngokuvumelana nezincomo Ministry Umnotho sika ukuhlola ukusebenza kwamaphrojekthi utshalomali.

Ngokusho izincomo, discounting ubizwa ngokuthi encishisiwe nokuphuma kwemali ezenzeka namanani ahlukene nenani lawo ngasikhathi sinye esithile. Isikhawu okuholela ngokuvamile kulinganiswa eminyakeni.

Eqinisweni, discounting - yisikali we amandla wokuthenga lemali, value abo ngemva kwenkathi ethile yesikhathi. Ngezinye kwesisekelo salo uqhathaniswa amanani zamanje iminyaka esizayo.

On the indlela discounting kungabuye kusho ukuthi kuyinto ukubala esenza ukunikeza impendulo yalowo, yimalini udinga ukutshala namuhla phezu kweminyaka eminingana ukuthola ecacisiwe imali zimali.