Uyini ofeleba kwezinhloso zenzuzo, odinga ukukwazi wonke umuntu

Uyini ofeleba kwezinhloso zenzuzo kungenzeka uyazi, hhayi ngenxa yakhe bonke abakhileyo ezweni lakithi. Noma kunjalo, lena liveza umqondo obaluleke kakhulu, okuyinto enquma inani lemali yokugcina imali kusukela idiphozi ebhange. Empeleni ofeleba kuyinto Analogue of kwakwakhe nesithakazelo, okuyinto yena, limelela inzalo enqwabelene esithakazelweni kakade enqwabelene ku idiphozi.

Ngokwesibonelo, umuntu wemvelo noma womthetho ubeke imali esisemanzini credit izikhungo in inani ruble ayizigidi 100 ngaphansi 10% ngonyaka. Esimweni ukuthi inzalo ibalwa kanye ekupheleni konyaka, ukubuya umtshali wemali uyobe uzothola ruble 110,000.

Uma icala njalo ngenyanga, futhi, esikhundleni salokho, athwale isithakazelo ngezinga elifanayo (10%), inani kwaba ngenxa kokuphela konyaka ngeke azisizi ruble 100 000. (Isamba kokuqala) x (1 + 0.1 (ukubheja lemali ngamasheya) \ 12 (inani lezinkathi ezihlanganisiwe) ku 12 degree (inani lezinkathi, okuyinto ibekwe imali izinyanga 12) = ruble 110 471.31. Okungukuthi, engenayo ruble 471. ngaphezulu. yilokho wetimali kwezinhloso zenzuzo. umehluko Yiqiniso, kuyinto encane, kodwa emikhulu lemali, futhi kulapho icala engenayo Lesisemkhatsini, aba maningi imali oyitholile ngenxa izinzuzo.

Kodwa idiphozi ngesithakazelo ofeleba akuyona njalo, kungakhathaliseki ukuthi benzani ziwusizo ekusebenzeni okufanayo inzalo enqwabelene ekupheleni kwesikhathi. Omunye kumele njalo banake usayizi inani lenzalo, isikhathi sekontraga nesikhathi isithakazelo. Ngokwesibonelo, isivumelwano ukubala nesithakazelo elula ngesilinganiso 12% ngonyaka ngonyaka abe nomusa ngaphezu kwesilinganiso inkontileka ka-10% kanye kwakwakhe nesithakazelo njalo ngenyanga unyaka wonke.

Uyini ofeleba kwezinhloso zenzuzo nge ezimali tikhundla? Uma inhlangano ubeke yisiphi isamba e idiphozi ngesithakazelo lokukhokha, kuzobalwa phakathi ukutshalwa kwezimali. esithakazelweni idiphozi inkontileka likhokhelwa kuncike kule mibandela. Kulokhu, kusukela umbono wakhe ngendaba, wathola isithakazelo noma cha okwamanje.

Idiphozithi nge nyanga zonke isithakazelo ofeleba kumagama lemali ruble 100 000 ngesilinganiso 10 per cent ngonyaka kuyobonakala ezimali ngendlela elandelayo: (. Ruble ayizigidi 100) Kwemali Credit 51 akhawunti 58 akhawunti lemali oyinhloko. Ngemva Ukuvalwa lenzalo inkathi (ngenyanga izinyanga 12). I-Debit akhawunti 76 kanye nama-credit akhawunti 91-1 ibonisa izikolo e lemali x 100 000 (1 + 0,1 \ 12) ngo-12 degree 10 ruble = 471,31. Wabe kubonakala imbuyiselo kusukela idiphozi (ekuqaleni ayizinkulungwane 100. Deda.) The debit nama-credit akhawunti 51 76 akhawunti. Futhi ekugcineni, ziyabhekelelwa inzalo wathola ngu okulandelayo ezimali okufakiwe (10 471, 31 ruble.): Debit 51 akhawunti udumo nge 76.

Uyini ofeleba nesithakazelo iphuzu intela umbono? Lapha, uma inkampani igcina amarekhodi engenayo kanye nezindleko ngokuhambisana indlela yokubala, obonakalisa isithakazelo senziwa ekupheleni kwenkathi esihambisana kwezidingo ezitatimende (ngonyaka), ngisho nalapho izivumelwano idiphozi ziphela kuze kudlule isikhathi eside, ezifana iminyaka emithathu. Lo mthetho inqunywe Article 271 we Tax Code maqondana nezivumelwano loan nezinye izivumelwano ezifanayo.