Ukubala inhlawulo

Isijeziso - lokhu sibe isijeziso, okuyinto kunqunywa emiselwe ukubambezela ekusebenzeni izibopho zayo inkokhelo ukuze umuntu osemthethweni noma ezingokwemvelo. isithakazelo ukubala ulula, uzokwazi ukwenza lokhu futhi lesi sihloko sizozama lula lo msebenzi kuwe.

Ngezinye izikhathi ekwenzeni ibhizinisi, nendlu, kakhulu, singakwazi alibale ukukhokha noma yiziphi izimali ezikhokhiswayo. Lokhu kwenzeka ngenxa yezizathu ezihlukahlukene, ngokwesibonelo, unayo kakhulu ukuchitha kule nyanga, futhi nhlobo imali kwesokunxele ukuba akhokhe izintela, Umbuso indawo izinkokhelo , nokunye. Ngezinye izikhathi abantu bamane banal bayakhohlwa eside yokukhokha ukubulawa noma ulahlekelwe irisidi nemininingwane yokukhokha kunesidingo. Ezimweni ezinjalo kubalulekile ukuba uhlale phansi yedwa at the kukhompiyutha uqale ukwenza ukubala ngqo inhlawulo.

Yiqiniso, izinhlangano ukuthi babe abakweletayo, obakhathalelayo inhlalakahle yabo, futhi izivumelwano ebekiwe ukuthi uma ekugcwalisekeni kwesikhathi we counterparty izibopho zayo kwezezimali, ke uzophoqeleka ukuthi uyikhokhe ethile eyengeziwe, sokukhokhwa umonakalo ngangokunokwenzeka. Uma sikubeka kalula, isigwebo izobalwa, okuyinto kuncike yokukhokha ayimpoqo. Yebo, ngenxa yokuthi uma izinkokhelo uphume sikhathi, kuvela ukuthi labo unezikweletu isetshenziswe ezingafanele Ngaboleka imali. Futhi emali ngokuhamba kwesikhathi "odla" wokubaluleka kwemali.

Yiqiniso, zikhona ezinye imithetho ngomsebenzi isithakazelo accrual, isibonelo, akufanele ledlula inani yesivumelwano, lapho izinkokhelo sekwephuzile.

Ngokuvamile, ukubala inzalo kumele kwenziwe kanje:

SP = SP * cd * 1/300 * CP

Thina-United States wokufunda izakhi lokhu ifomula:

SP - lemali inhlawulo;

NW - lemali ukweletwa ngaphansi inkontileka;

Cd - inani lezinsuku esidlule ngenxa;

300 - emaphakathi inani lezinsuku zokusebenza ngonyaka ;

SR - ezisebenza ezweni ngesilinganiso refinancing.

Nakubukwa jikelele, ifomula phezulu, ngoba lezo zikhathi lapho, isibonelo, ibala izinhlawulo yokukhokha sekwedlule isikhathi. Akukho lutho nzima, vele uthathe inkontileka yakho, ukuthola indawo kulo, echaza isamba yayo. Ngemuva kokuthola ukuthi kunini lapho kungashiwo lesibekiwe ukusebenza izibopho zenu zemali ngokwethembeka nangenhlonipho. Wabe ibalwa ukuthi unezikweletu ezingakanani umbolekisi yakho. Ngemva sokunquma leli nani, kuphinde ngenani lezinsuku sekwephuzile, njengoba izinga refinancing, bese ehlukana zonke izinsuku 300. Ngenxa yalokho, uthola nenani emihle yayo okumele ikhokhwe.

Kwamanye abafundi kukhona umbuzo omuhle: Kungakho kudingekile ukuba azale ande ngisho izinga refinancing? Vele le nkomba, kunqunywa Central Bank, kubonisa amandla emali yamanje kuleli zwe, ngaphezu, okusekelwe kuwo sinquma zonke sokubolekwayo. Kanye izikweletu, kwakheka uma ekhokhe sekudlule isikhathi nezibopho kungenzeka kunemibandela bayavuma loan, kuba impela kuhle yini ukumangalela kumaphesenti athile, ikhumbula Amathrendi inflation kuleli zwe.

Uma ukweleta uhulumeni, uzophinde bejeziselwa. Ukubalwa inzalo izintela Kunconywa ukukhiqiza ngokuhambisana incwadi evela Ministry of Finance Mashi 18, 2008 N 03-02-07 / 1-106, othi uma ungazange ikhokhwe ngesikhathi ethile wena ukweletwa intela, wabe esekhonza iminyaka usuku ikhalenda ngayinye , uyokhokha inhlawulo ukuze isimo, okuyinto kubalwa okusekelwe ngezikweletu zenu. Inhlawulo kakhulu izobalwa ngesisekelo Article 75 Tax Code.

Uma ungakwazi ukubala isigwebo, kufanele uvule ochwepheshe. Nokho, kungcono ukuba sekwephuzile nokukhokhwa izikweletu zalo, khona-ke kuyomelwe kubhekwe futhi izinhlawulo, obekungadala wazisola kakhulu ukunikeza, ngoba, njengoba wazi, ungathathi wakhe, futhi unike - bomdabu.