Amabhondi njengoba insimbi wezimali, isikhathi - lena isici zabo

Ubude besikhathi (kusukela isikhathi English - «isikhathi") - yigama zezimali ukuthi uchaza elithi isilinganiso kokuthola inkokhelo. Isetshenziselwa ukubala ukuvuma izibopho. Esikhathini ukubala besebenzisa le ehlisiwe izindleko idatha imifudlana izinkokhelo. Uma ifa umsebenzi imali, isikhathi - yisikali sokuthi luvelo izithelo zawo noma ukwehla ezingeni intengo. Lokhu ukusetshenziswa kabili igama elivame ungumthombo ukudideka. Ngakho-ke, kulesi sihloko sizozama ukuqonda ukubaluleka kwezomnotho umqondo, kanye nezici zayo.

Inchazelo

Empeleni, isikhathi - iyona kwesamba eside isilinganiso kokuthola notshwala yokukhokha. Lokho ukubaluleka sishoni eside Frederik Makoley, lapho siqala kube ukusetshenziswa kwesayensi. Ubude besikhathi - lena Inani elimaphakathi izinkokhelo ingqikithi ukuphepha, kusukela namuhla kuze kube sekupheleni ukuvuthwa yayo. Ukubala lokhu Inkomba ukuze kusetshenziswe okunengqondo fixed nokuphuma kwemali. Ngamagama alula, ubude isibopho ilingana nenani leminyaka abantu abekwe eceleni abekelwe buyiselo yayo, isb. E. Inani kusuka zero kuya ekupheleni kwesikhathi.

Yini ubude Ushintshe?

Lokho okushiwo yile ihlandla lesibili liyasetshenziswa colloquially kwezomnotho. Kulokhu, isikhathi - Ushintsho iphesenti kwamanani ekuphenduleni ukwehla noma ukwenyuka engenayo. Le nkomba isetshenziswa kwezezimali ukuthi ebucayi yezinguquko amaphesenti nge notshwala okungezona yemali ukuphi. Isetshenziselwa kaningi ngaphezu ifomula Macaulay isikhathi.

Ukwahlukaniswa izibopho

Lokhu nokulondeka isetshenziswa kanye amasheya. Bond Certificate wokwenza umnikazi imali yayo futhi kuqinisekisa isibopho umkhiphi ukukhokha kubo, kanye iphesenti ezithile ngosuku olubekiwe. Lezi izibambiso avame ukusetshenziswa ukumboza ukungeneli kwesabelo sezimali isimo. Ukwabela abatshelekayo nezibopho okungaphephile. Uhlobo lokuqala kuyinto eziqinile, ngoba uma kwenzeka ukwehluleka kwezimiso imali umkhiphi ilahlekelwa ubunikazi impahla esivuna umnikazi nokuvikeleka. Kuye ukuvuthwa eside, ukwaba semisebenzi, medium- futhi eside izibopho. Ngu uhlobo wezitifiketi - state, kamasipala, ezinkampani ngamazwe. Kuye ukuze kobunikazi - bhalisiwe nomphathi. isibopho Callable angazithola kwesikhathi singekho noma ngaphandle kwalo. Ilungelo ukubuya evumela umnikazi izibambiso zankomo ukuze afike nokhiphe zabo zenani eliyimali. Ukuhlinzekwa Futhi liye enwetshiwe futhi ayilibalanga izibopho. Okokuqala ilungelo zimali ukuqhubeka nokwamukela isithakazelo emva kwesikhathi esithize we umnqamulajuqu yasekuqaleni. Lesi sakamuva ilungelo umkhiphi uyephuza ukubuyiswa kwemali of izikweletu zayo.

Isicelo umqondo

Ezimweni eziningi ukusebenza ezimbili of isikhathi eduze, uma kungeyona elinganayo. Futhi ingasetshenziswa lapho senza izinqumo ezibalulekile zezimali. Ngokwesibonelo, isikhathi Macaulay izibopho cishe iminyaka engu-10 (lena inkathi ukuvuthwa kwabo ngokugcwele). Lokhu kusho ukuthi intengo zabo ukuzwela - 10%.

ukubala izinkomba

Macaulay, noma kwesamba eside ngenzuzo imifudlana izinkokhelo ibalwa ngesisekelo izinkomba ezintathu. Phakathi kwabo:

• PVi - ukubaluleka samanje i-ukugeleza kusukela kwempahla;
• ti - isikhathi eminyakeni kuze ingxenye ethile imali;
• V - ukubaluleka samanje imali esikhathini esizayo kusukela kwempahla.

Ifomula Kulokhu simiswe ngalendlela lelandzelako: x Σti PVi: V

izingozi izibopho

Ayanda engenayo kulindeleke zamafa, aba maningi ukulahlekelwa, uma kwenkinga. Ukuze abadlali ku emakethe yezimali ungumthombo oyinhloko wemali - ingozi. Okuvelele izinkinga eziyisisekelo futhi yesibili ehambisana ngezibopho. Credit ingozi uyalandisa yokuthi umkhiphi kungase hamba ayinamali. State angase kabusha izinkokhelo ku izibopho, njengoba kwakunjalo phakathi nezingxabano zamuva Greece okuzenzakalelayo. Ubungozi yesibili ihlobene yokuntuleka zezimali. Lokhu kusho ukuthi intengo edayise kungenzeka libe lincane uma kuqhathaniswa lapho uthenga. Ukuze isizinda futhi efuze wona kunengozi ukuthi lihlotshaniswa zenzalo. Njengoba kwanda yabo isibopho amanani ukwehla. Ngakho-ke, ngalesi sikhathi kuba disadvantageous kakhulu ukuzidayisa. Ekugcineni, kubalulekile kunobungozi ezithela kwehle ngenxa simo esishubile of lwemali exchange rate.

izinkinga ezincane

Ngaphezu ingozi eyisisekelo ezine, ukwaba kakhulu, okuyinto futhi kufanele kunakwe lapho sitshala imali izibopho. Okokuqala likhuluma inkinga ehlobene nokubukisa ushintsho isilinganiso senzalo esisebenzayo. Okubalulekile kunobungozi emali. Nokho, imali ngeke ebiyelwe, devalued kulokhu nakakhulu. Cabangela isidingo futhi ingozi ukuthi lihlotshaniswa okukhethwa kukho ucingo. Uma isibopho ukuthi kungenzeka lokuhlengwa zalo zokuqala, kungase ngokuzumayo ngiyeke ukunikeza imali. Ngakho-ke, kudingeka ufunde ngokucophelela lemininingwane. Ukubalwa isikhathi kunikeza zimali umqondo simo esishubile ngesibopho. Lezi zibalo ithunzi elehlayo. Kwakheka isibopho nge isikhathi eside ikhange ukuze befisa. Isu labo okuhloswe ngazo okwandisa zezimali ngokuhamba kwesikhathi.