Kodi kuwerengera chidwi wamba?

Kuchuluka - gawo zana la chiwerengero. Ntchito, mukhoza kuwerengera chiwerengero cha zamitundu yonse. Zambiri Chidwi - izi ndi kuchuluka kuti pali kumapeto kwa nthawi zolipiritsa potipatsa ngongole pachiyambi. Iye nthawi zambiri ntchito mawerengedwe a kuchuluka chikalata ndalama Accreted kapena ngongole. Bank ndalama "ntchito" ndi kubweretsa ndalama wobwereketsayo. Pamene opereka chidwi ngongole zikuoneka - mtengo uwu masamu mwamasamu kuti zinatsala ku makonzedwe a ngongole. Ngati ndalama ankangochita Ndiyeno pa kuchuluka, umatchedwa losavuta kuchuluka. Kuwerengetsa zingakhale, ndi zizindikiro zitatu:

1. Ndalama anabwereka kapena padera.
2. The chiwongola dzanja - mlingo anafunika kuwerengera ndalama chidwi. Ndi mgwirizano pakati pa wokongoza ndi wobwereka. Iwo chimaonetsera kuchuluka mu mawonekedwe a tuzigawo twa wamba kapena decimal.
3. Nthawi - nthawi imene muyenera kubweza.

Kwakukulu nthawi imene ngongole amaperekedwa, wamkulu chidwi wobwereketsayo. Standard imeneyi nthawi ankayendetsa zachuma zambiri ndi kalendala chaka. Choncho, chidwi chifukwa wosavuta itatha nthawi iyi pa ndalama zimene munalandira kamodzi, malingana mlingo chidwi.

zolinga zawo zomwe mwayika m'munsi limene pali mtengo, adzakhala sichinasinthe. Tiyeni ulemerero anatengedwa (kapena chuma) adzakhala wofanana P, ndi chiwongola dzanja - r Mukhoza. Cash ngongole watenga pa chikhalidwe cha chidwi osavuta, ngati wokongoza likulu kumawonjezera chaka ndi kuchuluka kwa kulima. Ndipo patapita zaka N zidzakhala angathe kulandira kuchuluka kwa SN: SN = P + taphunzira + ... + taphunzira = P (1 + nr).

M'mawu ena, ngati inu kuti banki ndalama kuchuluka kwa rubles 10 zikwi kwa anthu ophweka, mwachitsanzo 10%, ndiye, pa mapeto a chaka kulipira 11 zikwi rubles.

SN = 10000 + 10000 x 10% = 11000 pakani.

Patapita zaka ziwiri, ndalamazo zidzakhala 12 zikwi rubles, ndipo zaka zitatu - 13 zikwi rubles.

Popeza njira wapangidwa ndi zosintha anayi, n'zotheka kuthetsa amitundu inayi mavuto. Choyamba - ichi ndi mtima mwachindunji chiwerengero cha accrued ndi atatu n'zosiyana wa bizinesi: kuchuluka kwa ndalama, chiwongola dzanja ndi nthawi ngongole. mawerengedwe ndi zolondola ngati ngongole nthawi wofanana chaka. Ndiye, chilinganizo limeneli kuti chiwongola dzanja ndi wofanana ndi:

r Mukhoza = S / P - 1 / N.

Ngati tikufuna kuwerengetsa mu miyezi chidwi yosavuta, njira adzakhala ndi kuyang'ana osiyana. Tiyerekeze kuti imeneyi nthawi wapatsidwa miyezi 3, ndiye R = S / P - 1:

R3 / 12 = P + kulima / (12 × 3).

Kuwerengetsa kuchuluka kuchuluka kwa nthawi zina ndi yosavuta, ntchito chilinganizo chidwi yosavuta. Chifukwa chomasuka masovedwe kusandutsa mlingo mu decimal. Chifukwa kuti phindu lake lagawidwa ndi 100 (r Mukhoza / 100).

The Mapangano banki mwachindunji chiwongola dzanja, amene anapereka kwa nthawi ya chaka chimodzi. Ndi inu mukhoza kudziwa kuchuluka kwa ndalama. Ngati phindu limene anthu sagwirizana ndi chiwerengero cha masiku chaka, n'zotheka kudziwa kuchuluka chidwi patsiku. Kuchuluka kwa chidwi tsiku kuchulukitsa ndi nthawi zinafunika, kutipatsa ndalama imeneyo mlandu.

Mwachitsanzo, kuchuluka kwa choyambirira ngongole S - 200 zikwi rubles .. chiwongola dzanja - 14.5%. nthawi zolipiritsa ndi mwezi umodzi (kapena masiku 31). Cholinga: kuwerengera ndalama zofunika kulipiridwa ngongole ya. yankho;

200 × 14.5 / 100 × 31/365 = 2,463 zikwi. Pakani.