Kuyini izinga isaphulelo

Izinga Isaphulelo - lena inani lenzalo, esisetshenziselwa wokwehla nokuphuma kwemali esizayo value abo okwamanje. ukubala yaso cishe enye yezinkinga ucindezele futhi eyinkimbinkimbi kunazo ezingavela uma kokuhlaziywa wezimali ka iyiphi iphrojekthi utshalomali. Kusukela ngokunemba kwawo kuxhomeke kulokho ukubaluleka kokugcina ngeke kube khona imali.

Uma wenza isicelo ngesilinganiso engezansi, inani lamanje we kulindeleke nokuphuma kwemali kungenzeka overestimated esikhathini esizayo. Lokhu kuzobandakanya ukukhishwa ukukhetha kahle wemali yephrojekthi, futhi umphumela waba ukuthi uyakulahlekelwa ukulahlekelwa sina. Ngokweqile izinga okusezingeni eliphezulu yena, kungaholela ukulahlekelwa empeleni eziye - Uphuthelwe ithuba imali.

ngaleyo ndlela Izinga Isaphulelo limelela isilinganiso sokubuyisela njengoba amaphesenti, okuyinto ukuze uthole i zimali phezu etshaliwe. Lokho iphrojekthi zimali ubhekwa ezikhangayo lapho isilinganiso sokubuyisela ingaphezu kwe-Izinga Isaphulelo ngoba iyiphi enye kungenzeka dolobha ukutshalwa nge ingozi efanayo.

Izinga Isaphulelo, ngakolunye uhlangothi, kuveza ukubaluleka imali ucabangela izingozi kanye isikhathi factor, ngoba imali yangempela ukuthi umuntu okwamanje, kungcono kakhulu ukubuyeka akukhetha (banayo ngenani elikhulu) kulinganiswe nakho inani lemali, okuyinto akulindele ukuzuza esikhathini esizayo.

Lokhu kungenxa yezizathu eziningana, isibonelo, ukuthi:

• Kube njalo kunobungozi we ezilinganisiwe umane abakutholanga;

• Inani etholakalayo ungase wenze inzuzo, isibonelo, ukuthi wayesefikile idiphozi ebhange.

• Inani etholakalayo ngenxa emali uzolahlekelwa amandla ayo okuthenga.

Amapharamitha ezilandelayo zifakwe rate isaphulelo:

• izinga lokwehla kwamandla emali ;

• utshalomali ingozi-factor (ngoba esimweni ngasinye);

• izinga ubuncane ukubuya okungatholakala yibhange.

Lesaphulelo ukubala wenziwa esekelwe izindlela ezahlukene, practice ngokuvamile kunqunywa Ucwaningo. Lokhu ucabangela zombili nezidingo zimali kanye nokutshalwa kwezimali ebhange, okuyinto ikhanga oludingekayo ukuze ukuqaliswa kwe-project izimali.

Ezimweni isiRashiya, utshalomali njalo abhanqiwe nge ezingeni elibanzi ingozi, ngakho-ke, futhi amazinga oshintshashintsha imali kanye nezindleko. Ngenxa yalesi sizathu, ngokomthetho inzuzo iphrojekthi kuyaqabukela ibalwa ngokusebenzisa ngqo ofeleba indlela, ngaphandle ikhumbula rate isaphulelo.

Kwehliswe nokuphuma kwemali, ikhumbula discounting Yiqiniso, sibonisa okuningi ngokunembile ukubaluleka imali etholakalayo.

Le nqubo ezivamile sokunquma amanani capital zezimali ageleza Isaphulelo onobuhle zihlanganisa lezi ezilandelayo:

1. Ukuze eyakho:

• kokuhlaziywa kwamathenda zempahla;

• ukwakhiwa Okunqwabelanayo.

2. Investment:

• kwesamba izindleko isilinganiso dolobha.

Iphuzu eliyisisekelo kule nqubo ye discounting - ukusetha ethize lesaphulelo. Kusukela umbono semnotfo rate isaphulelo we isilinganiso sokubuyisela owawuzoba etholwe uma lezi zimali ezazikhona inhlangano. Ngokusebenzisa rate isaphulelo kunqunywa inani zimali kuyodingeka bakhokhe namuhla ukuze ufaneleke ukuthola lemali elilinganisiwe esikhathini esizayo.

Izinga Isaphulelo kuyadingeka ukuze:

• ukukhiqiza ukubala esinembile ukubuya yephrojekthi;

• ukuqhathanisa lezi zibalo ne okusalungiswa samanje izinga engezansi ukubuya uma sitshala imali yebhizinisi efanayo.