Ukuba ufunda eli nqaku, uya kucaca malunga nale migaqo mibini yezemali. Ndiza kukubonelela kwakhona ngeFlethi kunye nokuNcitshiswa kwesantya sekhatyhuleyitha yenzala kwi-Excel.
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- ireyithi = 0.005.
- nper=60; [nper = inani lamaxesha ewonke]
- -mboleko = -100,000; [imali-mboleko ayilunganga njengoko sifuna i-PMT njengexabiso eliqinisekileyo]
Ngoku, Yintoni ireyithi yokunciphisa? Ireyithi yokunciphisa (eyaziwa ngokuba yireyithi yokunciphisa ibhalansi), njengoko igama libonisa, kunjalo umlinganiselo wenzala obalwa nyanga zonke kwimali-mboleko eseleyo. Ngalo lonke ixesha usenza intlawulo kwimali-mboleko, izinga lenzala liya kuhla.
Ibalwa njani ibhalansi yokunciphisa? Umzekelo wokunciphisa ibhalansi yokuhla kwexabiso
Ukusebenzisa indlela yokunciphisa ibhalansi, I-30 yepesenti ye-depreciation base (ixabiso le-net yencwadi thabatha ixabiso le-scrap) ibalwa ekupheleni kwexesha langaphambili lokuhla kwexabiso.
Ukongeza Uyibala njani i-EMI kwibhalansi yokunciphisa ngenyanga kwi-Excel?
Ubala njani indlela yokunciphisa ibhalansi? Nalu ukubala kwethu:
- Iindleko x izinga lokuhla kwexabiso / iinyanga ezili-12 x iinyanga zobunini = ukuhla. 25000 x 40% / 12 x 9 = 7500. …
- Iindleko zoqobo - ukuhla kwexabiso ukuza kuthi ga ngoku = isixa esifunyenweyo. 25000 - 7500 = 17500.
- Isixa-mali esiphathwayo x ireyithi yokuhla kwexabiso = inkcitho yokuhla. 17500 x 40% = 7000.
Iyintoni inzuzo yokunciphisa inzala?
Yehlisa inzala yakho nto leyo ethetha ukuba uhlawula inzala encinci. Oku yehlisa iindleko zizonke zemboleko yakho. Iimali-mboleko zomntu, iimali-mboleko zemoto, iimali-mboleko zezindlu, njl. kulindeleke ukuba zibe nexabiso eliphantsi ngenxa yokuthotywa kwamva nje kwireyithi yerepo.
Yintoni ukunciphisa ibhalansi? Indlela yokunciphisa ibhalansi: Inkcazo
Ngaphantsi kwendlela yokunciphisa ibhalansi, isixa-mali sokuhla kwexabiso sibalwa ngokusebenzisa ipesenti emiselweyo kwixabiso lencwadi ye-asethi ngonyaka ngamnye.. … Oku kungenxa yokuba ixabiso lencwadi elisetyenziselwa ukubala iindleko zokuhla lihlala licuthwa unyaka nonyaka.
Yeyiphi imali-mboleko eyona ingcono yokunciphisa okanye iflethi? Izinga lenzala elithe tyaba liphantsi ngokubanzi kunereyithi yokunciphisa ibhalansi. Ukubala inzala ethe tyaba kulula xa kuthelekiswa nokunciphisa ibhalansi apho ubalo lunobuqhinga. Kwimeko esebenzayo, indlela yokunciphisa isantya ingcono kunendlela yezinga elicaba.
Yintoni inzala yokunciphisa inyanga nenyanga?
Ukunciphisa/ Ukunciphisa izinga lebhalansi, njengoko igama libonisa, lithetha umlinganiselo wenzala obalwa nyanga zonke kwimali-mboleko eseleyo. Ngale ndlela, i-EMI ibandakanya inzala ehlawulwayo kwisixa-mali esingekahlawulwa semali-mboleko yenyanga ukongeza kwintlawulo eyinqununu.
Kwakhona Yintoni ukunciphisa izinga lenzala? Izinga lokunciphisa inzala apho isixa-mali senzala ekufuneka sihlawulwe sithathela ingqalelo iintlawulo ezenziweyo, ngoko ke ibalwa ngokuchasene nesixa-mali semali-mboleko eseleyo okanye ibhalansi eseleyo, endaweni yesixa-mali esiyinqununu sokuqala.
Yintoni ifomula ye-EMI?
Ifomyula yemathematika yokubala i-EMI yile: EMI = P × r × (1 + r)n/((1 + r)n – 1) apho P= Isixa semali-mboleko, r= izinga lenzala, n=ingqesho kwinani leenyanga. … Xa liphezulu isixa-mali semali-mboleko okanye izinga lenzala, kokukhona liphezulu iintlawulo ze-EMI kwaye ngokuphendululekileyo.
Ngaba izinga elithe tyaba okanye lokunciphisa lingcono? Inzala ethe tyaba iphantsi jikelele ukunciphisa izinga lokulinganisela. Ukubala inzala ethe tyaba kulula xa kuthelekiswa nokunciphisa ibhalansi apho ubalo lukhohlisayo. Ngokwezinto eziphathekayo, indlela yokunciphisa ireyithi ingcono kunendlela yezinga elicaba.
Ithini inzala ekunciphiseni ibhalansi?
Ukunciphisa/ Ukunciphisa izinga lebhalansi, njengoko igama libonisa, lithetha umlinganiselo wenzala obalwa nyanga zonke kwimali-mboleko eseleyo. Ngale ndlela, i-EMI ibandakanya inzala ehlawulwayo kwisixa-mali esingekahlawulwa semali-mboleko yenyanga ukongeza kwintlawulo eyinqununu.
Ukunciphisa imali mboleko kusebenza njani?
Ekunciphiseni indlela yokulinganisa, inzala ekufuneka ihlawulwe ihlaziywa nyanga nganye kwisixa-mali semali-mboleko eseleyo. Ngale ndlela, i-EMI ibandakanya inzala ehlawulwayo kwimali-mboleko eseleyo ukongeza kwintlawulo eyintloko.
Ubala njani ukunciphisa ibhalansi yokuhla kwexabiso kwi-Excel?
Ubala njani inyanga nenyanga ukuhla kwebhalansi yokunciphisa? Okokuqala thabatha ixabiso lokusindisa i-asethi kwiindleko zayo, ukuze kumiselwe imali enokuthotywa.
- Ukuhla kwexabiso lilonke = Iindleko - Ixabiso lokusindisa. …
- Ukuhla kwexabiso lonyaka = Ukuhla kwexabiso lilonke / ubomi obuluncedo. …
- Ukuhla kwexabiso lenyanga = Ukuhla kwexabiso lonyaka / 12. …
- Ukuhla kwenyanga = ($ 1,200/5) / 12 = $ 20.
Zeziphi iziphumo ezingalunganga zokuthoba inzala?
Amaxabiso aphantsi yenza ukuboleka imali kufikeleleke. Oku kukhuthaza inkcitho yabathengi kunye neshishini kunye notyalo-mali kwaye kunokunyusa amaxabiso e-asethi. Amazinga asezantsi, nangona kunjalo, asenokukhokelela kwiingxaki ezifana nokunyuka kwamaxabiso kunye nemigibe yokungabikho kwemali, nto leyo ejongela phantsi ukusebenza kakuhle kwamaxabiso aphantsi.
Kutheni i-RBI inganciphisi inzala? Nye, Ukunyuka kwamaxabiso kwintengiso, ilinganiswe yi-Index yeXabiso loMthengi, inyuke ngoJuni ukuya kwi-6.09 ipesenti ukusuka kwi-5.84 ipesenti ngo-Matshi, iphule uluhlu olujoliswe kuyo lwexesha eliphakathi le-2-6 yeepesenti. Oko kubonakala ngathi ibiyeyona flegi ibomvu, ebangele ukuba i-MPC ithathe isigqibo ngamxhelo mnye sokuyeka ukucutha umgaqo-nkqubo.
Kutheni iibhanki zingayinciphisi inzala?
Esinye isizathu sokuba ababolekisi banganciphisi izinga labo lesiseko kukuba isenzo esinjalo sichaphazela isixa esikhulu sepotfoliyo yemali-mboleko yabo kwaye, ke, ibhalansi yabo (funda inzuzo). Uninzi lweebhanki zisebenzisa i-avareji yeendleko zeemali kwikota edlulileyo, ukwenza isigqibo malunga namazinga abo okulinganisa.
Ubala njani indlela yokunciphisa ibhalansi? Ibalwa nge ukutsalwa kokwehla kwexabiso (itotali) kwixabiso le-asethi esisigxina. Ixabiso le-Net yencwadi lixabiso le-asethi ekuqaleni kwexesha lobalo.
Yintoni imihla ngemihla yokunciphisa inzala?
Indlela yokunciphisa imihla ngemihla:Kule nkqubo, inqununu, ohlawula ngayo inzala, kunciphisa ukusuka kumhla ohlawula ngawo i-EMI yakho. I-EMI kwinkqubo yokunciphisa imihla ngemihla ingaphantsi kwenkqubo yokunciphisa yenyanga kwaye unyaka uthathwa njengobandakanya iintsuku ezingama-365 ngaphandle konyaka wokutsiba okanye ongatsibayo.
Loluphi uhlobo lwemboleko olulungileyo? Eyona nto ingcono kwinzala ephantsi
Iimali-mboleko zobuqu ezikhuselekileyo badla ngokuza nenzala ephantsi kunemali-mboleko engakhuselekanga. Kungenxa yokuba umbolekisi unokucinga ukuba imali-mboleko ekhuselweyo ayinabungozi kangako - kukho i-asethi exhasa imali mboleko yakho.
Ibalwa njani i-EMI?
Ifomyula yemathematika yokubala i-EMI yile: EMI = P × r × (1 + r)n/((1 + r)n – 1) apho P= Isixa semali-mboleko, r= izinga lenzala, n=ingqesho kwinani leenyanga.