Indlela ukubikezela izimali. Ukuhlela isabelomali izimali

Indlela ukubikezela izimali nesabelomali isiphetho luyasetshenziswa esimeningcondvo iminikelo ethize maqondana okuyinto ekuphathweni has igunya nomphathi izimali. Isetshenziselwa ukuhlaziya kwenkululeko amanani kulindeleke ukuba kwamukelwe esikhathini wezimali olandelayo, inani labantu, izinhlangano kanye nezikhungo. Ukuphatha yenza isinqumo ekwamukelweni wokubikezela ngenzuzo indlela.

Izindlela sibalo

ukuhlela isabelomali ngenzuzo Kwenziwa:

1. ukubala okuqondile. Le ndlela isekelwe Ukulisebenzisa ngokuqondile kanjena imingcele okulinganiselwe (izindleko kanye ngobuningi) ezingeni amanani nezinye lokwehlukile ukunquma ukubaluleka amanani kulindeleke.
2. Eyisilinganiso. Le ndlela wokubikezela izimali ukuze waqaphela ngesisekelo ekubalweni ivolumu isilinganiso izinkokhelo enkathini eyiminyaka hhayi ngaphansi kuka 3 iminyaka noma yonke inkathi replenishment yengcebo MO nge ezibanjwayo ezifanele zilwane, uma ingadluli eminyakeni emithathu.

Administration ungahlinzekela ezinye izindlela sibalo.

imikhakha izinkokhelo

Indlela athuthukile wokubikezela izimali nesabelomali isetshenziswa kubalwa kulindeleke:

1. Drawdowns kusukela ukuqasha impahla engokoqobo idluliselwe ohulumeni indawo futhi izikhungo zokuhlola ezasungulwa nabo ukuphathwa komsebenzi. Ukukhethwa eka- izinhlangano isabelomali ezizimele kanye kamasipala.
2. Qasha, imali abayithola amalungelo ukwenza izivumelwano zokudlulisela umhlaba okuyinto impahla amayunithi zokuphatha-indawo okuqondene eMnyango Wezokuvikela. Okukhishiwe iziza izakhiwo kwesabelomali ezizimele kanye kamasipala.
3. Okunye amanani emholweni nokusetshenziswa kwempahla eziphathekayo, okuyinto ziwumsebenzi amayunithi zokuphatha-indawo, kufakwe eMnyango Wezokuvikela. Ukukhethwa eka- izikhungo ezizimele kanye kamasipala mali, ebumbeneko, isimo kuhlanganise namabhizinisi.

Ukuze ukuhlaziywa ezingeni okulindeleke izinkokhelo imali esetshenziswa ukubikezela ngenzuzo indlela, esekelwe izindlela ukubala eqondile eyisilinganiso.

iqashwe

Revenue ukubikezela nqubo ihilela ukubala amanani ukuba abantu abasebenzisa umhlaba ezisohlwini uyeza ngonyaka kwezimali. Ukuze wenze lokhu, sebenzisa kwesibalo ezilandelayo:

A = C x P, lapho:

• iqashwe - A;
• sesilinganiso sentengo baba - C;
• Central Bank refinancing izinga - R.

Intengo ingxenye kunqunywa esekelwe kokuhlaziywa wenziwa izinyanga angaphezu kwayisithupha ngaphambi kokuba basayine isivumelwano sokuqasha. Inani okulindeleke ukuba zibanjwe, ukusetshenziswa kwempahla ephethwe, kanye nokuphathwa nokusebenza, ibalwa kanje:

AI = (Su + AItg + Cc) x R, lapho:

• ukubaluleka impahla sokuqasha, kulindeleke ukuba lingeniswe ngonyaka ozayo - AI;
• inani elilinganisiwe esikhathini samanje - Aitg;
• inani lokwehliswa kwezimali ezibanjwayo ngenxa isikhala entengo enikeziwe ukusetshenziswa ngonyaka ozayo - Cc;
• inani ukwanda imali impahla ngokuqondene kulindeleke ukuba sinyuke amasayithi, yaqashiswa esikhathini - Su;
• kulindeleke deflator Coefficient, esetshenziselwa ukukhokhela izinga ukusetshenziswa kwempahla eziphathekayo nokubaluleka kwayo okulinganiselwe ngonyaka ozayo - K.

Ukuze abale isamba le mali ku ukubikezela isikhathi inqubo ngenzuzo inikeza kwesibalo elandelayo:

Kum (p) = (Kum (t) + Kum (t-1) + Kum (t-2)) / 3, lapho:

• Imali sokuqasha impahla kanye nezwe - Kum (p);
• Kum (t) ... Kum (t-1) - langempela (kulinganiselwa) ukubaluleka izinkokhelo yonyaka iminyaka 3 esandulele esizayo.

Isamba kusukela ukudayiswa kwempahla eziphathekayo

Revenue ukubikezela amasu inikeza fomula elandelayo ekubaleni:

RI = PL x Cm, lapho:

• kufana kusukela ukudayiswa - RI;
• Izindleko isilinganiso 1 sq. . M impahla, kunqunywa imiphumela indali ihlelwe esikhathini anduba kuhlalwe - Art;
• endaweni ezakhiwe, izakhiwo, izakhiwo ithengiswe ngonyaka ozayo - PL.

Ukubalwa umthamo imali ngesikhatsi sekuhlela wenziwa usebenzisa kwesibalo elandelayo:

RI (p) = (RI (t) + RI (t-1) + RI (t-2)) / 3, lapho:

• RI (t) ... RI (t-2) - okulinganiselwe (langempela) ukubaluleka izinkokhelo yonyaka iminyaka engu-3 esandulele olandelayo.

amanani Irregular

Isilinganiso ukubikezela inqubo ngenzuzo namarisidi non-intela esetshenziswa ukubala izinkokhelo kulindeleke lwenteke unsystematically. Idatha kokuqala ayizilinganiso amavolumu yaminyaka yonke amanani uqobo wathola ngesikhathi esedlule iminyaka emithathu. Lezi zibalo othathwe imibiko ekusetjenzisweni isabelomali imigqa (f. 0,503,127). Ukuze isigaba non-unomphela kuhlanganisa amanani:

1. Imali yokubhalisa ukuze kuqalise ukusebenza izenzo notarial ngabasebenzi eminyangweni kahulumeni enamandla okusebenza, ngokuhambisana nomthetho wabantu bonke Russian.
2. Kusukela ukulahlwa kwezinto okungalawuliwe futhi ukudayiswa, abakwasidlodlo babaphuca nezinye zezinto ezibonakalayo ezenziwa ngokungakhathali, iguqulwe ukuze nemizana izimali.
3. Izimali State okuhlinzeka imvume ekhethekile bendawo ukuze uhambe ngemgwaco, enifeza ukuthuthwa esindayo / okukhulu, kwezimpahla eziyingozi.
4. Eyabekwa izinhlaka zombuso zikamasipala kubulawa imisebenzi ethile.
5. Kusukela izinhlawulo yemali for ukwephulwa kwemithetho zezimali.
6. On isinxephezelo umonakalo kuzona ngenxa kabi noma nokusebenzisa kabi bentando wendawo.
7. Kusukela iqoqo izinhlawulo for ukwephulwa izenzo normative we Russian Federation ohlelweni inkontileka ukuthengwa kwezinsizakalo, izimpahla, isebenza ukuqinisekisa ukuthi izidingo zikamasipala kanye nesimo.

ifomula

Izindlela ngenzuzo ukubikezela non-intela inikeza indlela elandelayo sibalo:

P = (P (m) + P (m-1) + P (m-2) + P (m-3)) / 4, lapho

• P (m) ... P (m-3) - ukubaluleka langempela tibalo etholwe 3 sekubika;
• P (m) - lemali elilinganisiwe izimali ngo nyaka.

Isibalo yokugcina ibalwa kanje:

P (m) = (Rom (m) / k) * 12, lapho:

• Ro (m) - ukubaluleka langempela tibalo etholwe kube mhlaka at nyaka;
• ukuze - empeleni isibalo sezinyanga ka sekubika e tech esiphelele. ngonyaka.

Ukunqunywa isamba amanani esibalulwe ngenhla ngoba inkathi kungafiki ikhiqizwa besebenzisa kwesibalo ezilandelayo:

P (p) = (P (t) + P (t-1) + P (t-2)) / 3, lapho:

• P (t) ... P (t-2) - okulinganiselwe (langempela) ukubaluleka amanani yonyaka wathola phakathi neminyaka emithathu edlule kwakubikezelwe.

izimali isibonelelo

Umqulu we amanani etholakele isabelomali zesifunda, kuthiwa esivezwa ngokuhambisana imingcele babeka phansi komthetho we isihloko noma iziqondiso iziphathimandla. Inani izimali ze-non-repayable kusukela Isikhwama zesifunda, kulindeleke ukuba zifakwe ngeke ibalwe amagugu kubekiwe isinqumo ukubunjwa izinto zezimali ngoba ngaphambi kwesikhathi.

isiphetho

Ukubikezela isabelomali izimali kubalulekile ikakhulukazi isiphetho yasemakhaya. Ukusebenzisa embodiments ezihlukahlukene ukubala, ekuphathweni ingahlaziya nenani kwezimali okungaba ekuchithweni kwayo. Lokhu, inikeza nokuhlelwa izindleko isikhathi. Ukubalwa kusho Iyokwandulelwa olulindelekile ivolumu ukuhlaziywa amanani ngaphambilini etholwe. Ngokuhambisana imiphumela ukuhlolwa, ekuphathweni ekwazi ukubona izindawo othembisayo ezezimali imali, ukusetshenziswa kwempahla, nokuphathelene amayunithi zokuphatha-sendawo ukuphathwa zokusebenza izikhungo kanye namabhizinisi. Kahle wasebenzisa izindlela nokuhlaziya ukubala ungakwazi ukuba bafinyelele inkululeko enkudlwana kusukela uxhaso lesifunda kanye kamasipala.