Jaan e Mann isikhathi: ifomula. Okunamathiselwe kanye inzuzo

Formula lokubuyisela kuyinto kuyinkomba ebaluleke lapho ekuhloleni. Isikhathi payback zimali lusemqoka. Uchaza indlela kokuphelele amaphrojekthi liquid imali. Ukuze uthole isinqumo efanele utshalomali elilungile, kubalulekile ukuqonda kuvela kanjani futhi ibalwa Inkomba.

Okwakushiwo ukubala

Omunye izinkomba ezibalulekile kakhulu uma izama ukusebenza kwe utshalomali - isikhathi payback. Ifomula ibonisa lokho isikhathi esithile imali kwiphrojekthi utawufaka zonke izindleko ze-non-yansukuzonke ngoba. Indlela kwenza kube nokwenzeka ukubala nesikhathi imali, okuyinto ke correlates zimali nge engabizi futhi eyamukelekayo yayo eside.

ukuhlaziywa Economic kuhilela ukusetshenziswa izindlela ezehlukene sokubalwa amamethrikhi wathi. Isetshenziselwa, uma bafeza Luhlatiyo ukunquma iphrojekthi enenzuzo kakhulu. Kubalulekile kuleli cala ukuthi alisetshenziswa njengoba main futhi ukhetho kuphela, futhi ibalwa nokuhlaziwa ngokuhlanganyela nezinye, okubonisa ukusebenza othile utshalomali okukhethwa kukho.

ingasetshenziswa Ukubalwa eside buyiselo kwezimali njengoba ingxenye main, uma inkampani kuhloswe inzuzo esheshayo ku utshalomali. Ngokwesibonelo, lapho ukhetha izindlela zokuthuthuka.

Ceteris paribus kuthathwe ukusebenzisa iphrojekthi, esesikhundleni isikhathi kulencane buyiselo.

Buyela ekubekeni - ifomula ezibonisa inani lezinkathi (izinyanga noma iminyaka) okuyiwona zimali uzobuya oyitshalile ngokugcwele. Ngamanye amazwi, kulesi sikhathi buyiselo. Kufanele kukhunjulwe ukuthi esikhathini okuthiwa kufanele kube mfushane kuka ubude ngesikhathi lapho ukusetshenziswa imali yangaphandle.

Yini edingekayo ukuze ukubala

Jaan e Mann inkathi (ifomula uyisebenzisa) kusikisela ulwazi ngalezi zinkomba:

• izindleko yephrojekthi - Lokhu kuhlanganisa wonke utshalomali olwenziwe kusukela ekuqaleni kwawo;
• umholo ophelele ngonyaka - nzuzo kusuka ukugcwaliseka iphrojekthi konyaka, kodwa net zonke izindleko, kuhlanganise izintela;
• Ukwehla kwentengo esingashintshi kuze kufinyelelwe esikhathini (ngonyaka) - nenani kwezimali eziye wachitha ekuthuthukiseni umklamo kanye nezindlela nokuqaliswa kwalo (sesimanje kanye nokulungiswa imishini, zobuchwepheshe, njll);
• izindleko ubude (okusho utshalomali).

Futhi ukubala inkathi ehlisiwe we nenzuzo yokutjala, kubalulekile ukucabangela:

• ukufika zonke izimali wenza ngesikhathi sokubika;
• Izinga Isaphulelo;
• isikhathi Isaphulelo;
• kokuqala yokonga.

Ifomula ukubala payback

Definition of period utshalomali ukubuya okwenzekayo ngokuphathelene nohlobo kokuthola imali net for iphrojekthi. Uma baqonda ukuthi notshwala imali kuthiwa wathola nombala phakathi naso sonke isikhathi iphrojekthi ukugijima, isikhathi payback, formula oboniswe ngezansi, ingabalwa kanje:

T = D / W

Lapho T - inkathi nenzuzo yokutjala;

Futhi - ukutshalwa;

D - lemali egcwele inzuzo.

Kulokhu, ngenani eliphelele engenayo siqukethe umholo ophelele futhi kwentengo.

Ukuze uqonde ukuthi kwiphrojekthi mbuzo uyafaneleka uma usebenzisa le ndlela kusiza ukuthi ukubaluleka okuholela we etshaliwe dolobha ukubuya isikhathi kumelwe ibe ngaphansi okwakunikelwe eshiwo zimali.

Ezimweni yangempela yephrojekthi, zimali enqaba ke, uma inkathi nenzuzo yokutjala ngenhla amagugu umkhawulo abanike kona. Kungaba ukuthi ufuna izindlela ukunciphisa isikhathi payback.

Ngokwesibonelo, umtshali wemali uyobe otshala imali iphrojekthi ayizinkulungwane 100. Hlikihla. Income kwiphrojekthi:

• ngenyanga yokuqala baba izinkulungwane 25 basihlikihle..;
• ngenyanga yesibili - ruble ayizigidi 35..
• ngenyanga yesithathu - ruble ayizigidi 45 ..

iphrojekthi engakhokhi ucime nezinyanga ezimbili zokuqala, kusukela 25 + 35 = ayizinkulungwane 60. deda., okuyinto ngaphansana inani lotshalo mali. Ngakho, singakwazi ukuqonda ukuthi iphrojekthi kukhokhelwe ngokwayo ngezinyanga ezintathu, njengoba 60 + 45 = 105 ayizinkulungwane. Deda.

Izinzuzo indlela

Izinzuzo indlela kulezi ezingezansi:

1. Ukuba lula ukubala.
2. Ukubonakala.
3. Ikhono lokufeza Ukwahlukaniswa ukutshalwa maqondana nenani predetermined zimali.

Ngokuvamile, le nkomba kuba nokwenzeka ukubala ingozi utshalomali, njengoba kukhona lobudlelwano: uma isikhathi payback, ifomula okukhulunywe ngaye ngenhla, ziyancipha, futhi yehlise izingozi yephrojekthi. Ngakolunye uhlangothi, nge okwandisa ukuphila okulindelwe nenzuzo yokutjala, anda ingozi - utshale izimali kungase abe okungapholi.

ukulinganiselwa

Uma sikhuluma ukushiyeka indlela, phakathi avelele: i AMANGA ukubala ngenxa yokuthi ukuthi ukubala yayo akusho acabangele isikhathi factor.

Eqinisweni, ukuqhutshwa ukuze amukelwe phesheya eside ukubuya, hhayi nganoma iyiphi indlela ezithinta impilo yakhe.

Ukuze kahle ukufeza ekubalweni inkomba, kubalulekile ukuqonda izindleko izimali ukwakhiwa, ukwakhiwa kabusha kanye ngcono izimpahla fixed. Ngenxa yalokho, umphumela kubo anikwazi ukuza minutely.

Zimali, lapho sitshala imali ngcono noma isiphi isiqondiso edingekayo ukuze siqonde iqiniso lokuthi kuphela ngemuva kwesikhathi esithile, uyakwamukela ukubaluleka non-negative cash flow capital. Ngenxa yalokhu, kubalulekile ukusebenzisa ukubala yezindlela ashukumisayo ukuthi sikuthathe notshwala, okuholela intengo imali umzuzwana owodwa ngesikhathi.

Isidingo izibalo eziyinkimbinkimbi enjalo, ngenxa yokuthi intengo imali ngosuku utshalomali akufani njengoba ukubaluleka imali ekupheleni iphrojekthi.

Isaphulelo ukubala indlela

payback isikhathi, ifomula zazo lapha ngenzansi, kuhilela kucatshangelwa isikhathi factor. Lokhu ekubalweni NPV - inani lamanje. Ukubalwa wenziwa ngokuvumelana formula:

T = IC / i-FV,

lapho T - kwesikhathi buyiselo;

IC - utshalomali kuphrojekthi;

FV - kuhlelwe project ngezimali.

Lokhu ucabangela izindleko ikusasa imali futhi, ngakho-ke, imali kuhlelwe ukuthi ehlisiwe usebenzisa rate isaphulelo. Lokhu kulinganisela kuhlanganisa ubungozi phrojekthi. Phakathi kwabo kukhona ayinhloko:

• izingozi izinga lokwehla kwamandla emali;
• izingozi ezweni ;
• nezingozi ezingenzi inzuzo.

Bonke bazimisele njengoba amaphesenti, futhi ezuziwe. Izinga isaphulelo ke enqunywe kanje: izinga engozini-free kuzo zonke izingozi yephrojekthi ukubuya. +

Uma ukugeleza imali engalingani

Uma isukela iphrojekthi zihlukile njalo ngonyaka, yokutakula izindleko, formula embozwe kulesi sihloko kufanele azimisele in ngezinyathelo ezimbalwa nje.

1. Okokuqala, kumelwe uthole ukuthi inani lezinkathi (futhi, kumelwe libe inombolo ephelele) lapho inani inzuzo ku-accrual isisekelo kuyoba eduze inani lotshalo mali.
2. Khona-ke ukuthi lezo zinsalela kwakudingekile ukunquma: inani ukutshalwa ukhupha zanqwabelana usayizi Inani ukuqhutshwa phrojekthi.
3. Ngemva kwalokho, ukubaluleka okuseleyo uncoated lihlukaniswe by imali ngokuzayo slot nemingenela. The main inkomba kwezomnotho kuleli cala - rate isaphulelo, okuyinto ichazwa iyunithi noma amaphesenti ukwabelana ngonyaka.

okutholakele

Jaan e Mann isikhathi, ifomula eliye wahlola ngenhla, ekubonisa nganoma yisiphi ubude besikhathi ingabe ukubuya esigcwele ku utshalomali, futhi okwamanje kuzakufika izinsuku, lapho iphrojekthi iqala imali. Kukhethwe izimali kukho, okuyinto ubuyela isikhathi luncane.

Ukuze abale usebenzisa izindlela eziningana anezici zabo. I elula kunazo - a division of isamba izindleko kwesamba semali saminyaka yonke, lapho uletha iphrojekthi uxhaso.