Kanjani ukubala inzalo zifakwe ebhange?

Namuhla, umbuzo kanjani ukubala inzalo ezifakwa akunzima labo-inthanethi futhi uhlela ukubeka imali yabo ebhange ngokomthetho eziphambili. isikhungo credit okunjalo, njengoba umthetho, izindawo ekhasini wokubala ngayinye uhlobo imali, okhombisa kangakanani imali izotholwa, ngokusekelwe lemali ukutshala, lenzalo futhi eside.

Ngaphambi ukubala inzalo imali, kunengqondo ngempela ukukufunda ngokuningiliziwe imigomo yesivumelwano. Ngokwesibonelo, kukhona imali, okuyinto amangalelwe amaphesenti kuqhathaniswa okusezingeni eliphezulu likhokhelwa kuphela uma inani "Dolezal" ngokuqinile kuze kube sekupheleni kwesikhathi. Isibonelo, uma ubeka $ 100 at amaphesenti 5 unyaka ongu-1, uzothola x 0.05 = 5 ruble angu-100 ngonyaka. Uma imali kuhoxiswa kwesikhathi kusukela umnikelo, lemali akwazi ukuxoxa ruble 2, njengoba Lesi simo anikezwa ngesikhathi encishisiwe izinga amaphesenti (fixed noma obonakaliswe kukhishwa nezingxenyana ezithile izinombolo wabonisa ezimweni).

Enye into, uma imigomo yenkontileka kuhlinzekelwe inzalo enqwabelene esingashintshi kuze kufinyelelwe esikhathini esingaphansi konyaka. Kanjani ukubala inzalo ku ezifakwa kule ndaba? Ukuze wenze lokhu, sebenzisa le ndlela elandelayo: * (1 + R * K \ T \ 100) n -, lapho K yinani lika idiphozi, P - inani lenzalo, K - inani lezinsuku isikhathi ngasinye ngaphandle kwenkokhiso (inyanga, ikota), G - inani lezinsuku ngonyaka (365, 366), n - inani amacala ngonyaka (i amacala njalo ngenyanga - 12 ngoba wekota - 4).

Uma ukubiza inzalo zihlanganisa inani osekuvele ibalwa esikhathini esedlule, amaphesenti zicatshangelwa ifomula: Ngo iphindwe (1 + n \ 100 \ n), lapho inkulumo kubakaki ophakamayo n. Ngokwesibonelo, ngabeka ama-ruble 100 ngaphansi 10% ngonyaka ngesithakazelo njalo ngenyanga, ungenawo ukudubula. Isithakazelo kulokhu zitholwa njengoba 100 * (1 + 10 \ 100 \ 12), lesi sibalo e abakaki kuvuselwa degrees 12.

Abanye ababolekisi ukunikela izigaba ezahlukene labantu ohlelweni ehlukile zenzalo ku imali. Sberbank, isibonelo, kwezinye izimo, inquma abafumana ngoba abantu umhlalaphansi (abesifazane 55, amadoda eminyakeni engu-60). Ngokuvamile wukuthi emikhulu inani idiphozi futhi isikhathi eside kangakanani ebhange, amaphesenti ephakeme. Nokho, esikhathini eside, izinga ezihlongozwayo kungathinta nezinye izinto, kuhlanganise:

1. isimo somnotho Jikelele. Lapho emnothweni eba, kulapho ukufuneka ukubolekisa, ayanda izinga ukuthi amabhange banganikeza emabhange abo.
2. Ukuzinza lwemali kazwelonke. I Rouble okuncane, amandla emali ngaphezulu, aba maningi idiphozi amazinga.
3. I nesimo esingokwezimali isikhungo ethize zezimali kanye nezindlela iyonke. Uma isikhungo credit ikhiphe ukubolekisa eziningi kakhulu, ke kungase kube kusilela imali, okuyinto kufaka mkhuba yamazinga aphezulu ku imali. izikhungo ezinkulu zezimali, njengoba umthetho, awanikeli izimo ezingcono, ngoba akudingeki ezengeziwe "akhokhe extra" kumakhasimende kwabo engozini.
4. inqubomgomo Ikakhulukazi intela, umzimba zokulawula kanye neminye imisebenzi.

Okusanda eqoshiwe ukubukeka amabhange "virtual", okusho khona kuphela ngesimo Amakhasi Inthanethi. Abakwazi ukunikela eliphezulu ngokwedlulele zenzalo yokuzigcina imali kanye nezinye izintandokazi. Kulokhu, hlola lomsebenzisi elingcono ku-website ye-Central Bank of ukuba khona inhlangano enjalo, ukuqinisekisa idatha INN, nezinombolo zelayisensi, ukupelwa amagama, ukutholakala namahhovisi, izisebenzi, njengoba Kungenjalo, ungakwazi ukukhokha ukheshi ezandleni izigebengu, bese umbuzo "kanjani ukubala inzalo ezifakwa" ingase lihlehliselwe isikhathi esingaziwa.