Kodi ndalama kuti aganyali?

Ndalama zimaikizidwa kupeza ndalama zina. Izi zikhoza kuchitika m'njira zosiyanasiyana, izo zonse zimadalira mtundu wa ndalama. Monga chuma akupatsidwa ndalama, sheya, katundu, kuphatikizapo aluntha. Koma pamaso inu aganyali kapena chuma, muyenera kuganizira mitundu ya ndalama.

Mitundu ya ndalama:

1. ndalama zokhudza chinthu makamaka:

- zakuthupi (weniweni) ndalama - ndalama ku malo - nyumba, zipangizo, kupanga, dziko;

- Ndalama ndalama - ndalama ku makampani ena kuti tikhale magawo ndi masheya a Makampani yeniyeni;

- Non-ndalama ndalama - lolunjika pa kugula chitukuko, zoyambitsidwa, ndalama malonda;

- ndalama yochepa kuti apeze phindu lalikulu - - zongopeka sheya, ndalama.

2. zolinga Investment: f

- mwachindunji - ndalama mu malonda, kupanga chifukwa kupitiriza bizinesi;

- mbiri - kugula masheya makampani mbiri;

- Non-ndalama - ndalama ku eni luso, zotetezedwa kuti tizikonda ntchito lokha;

- aluntha - zopereka mankhwala ntchito aluntha.

3. Nthawi Chinthu:

- yochepa (1 chaka);

- sing'anga-akuti (1-3 g);

- yaitali (zaka 3).

4. mawonekedwe Chalk likulu:

- chilungamo paokha;

- boma umwini;

- likulu yachilendo;

- umwini losanganikirana.

5. Malawi:

- aakulu - masamu ndalama zonse kwa nthawi yeniyeni;

- ukonde - chuma opezeka sizinachotsedwe amortization;

6. Capital chiyambi:

- ndalama koyamba;

- Reinvestment - ndalama kwaiye ndi ndalama yaikulu;

- Disinvestment - kalekale kupeza likulu.

Annuity ndalama.

Payokha m'pofunika kuganizira ndalama ndi annuity, imene tingati ndi mtundu osiyana kunyakhe. Iwo pa choona kuti ndalama padera tsopano, komanso ndalama akhoza kuwapeza yekha pa zosayembekezereka wa zinthu zenizeni - zaka, kudzilemekeza, kapena patapita kanthawi.

A pang'ono za kuopsa.

Aliyense ntchito ndi osiyana ndi mzake, kotero ake chiopsezo kutenga ayenera kuwaganizira payokha, koma pali zifukwa zingapo zimene mwamsanga momwe yowopsa polojekiti:

• chitetezo vuto la zachuma ndi patsogolo ndale;
• mfundo zachuma dziko;
• dongosolo la kufalitsa ndalama mkati kumalo a ntchito;
• lonse kupanga, chikhutiro cha anthu ogwira ntchito;
• mlingo wa profitability wa ndalama mogwirizana ndi mlingo chidwi.