Uma ufunda lesi sihloko, uzocaca ngale migomo emibili yezezimali. Ngizophinde ngikunikeze I-Flet and Reducing rate wokubala kwenzalo ku-Excel.
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- isilinganiso = 0.005.
- i-nper=60; [nper = inani lengqikithi yezikhathi]
- -mboleko = -100,000; [imalimboleko inegethivu njengoba sifuna i-PMT njengenani eliphozithivu]
Hereof, Liyini izinga lokunciphisa? Isilinganiso sokunciphisa (esaziwa nangokuthi isilinganiso sokunciphisa ibhalansi), njengoba igama liphakamisa, liwukuthi isilinganiso senzalo esibalwa nyanga zonke enanini lemalimboleko esele. Isikhathi ngasinye lapho ukhokha imali ebolekiwe, izinga lenzalo lizokwehla.
Ibhalansi yokunciphisa ibalwa kanjani? Isibonelo sokunciphisa ukwehla kwebhalansi
Ukusebenzisa indlela yokunciphisa ibhalansi, Amaphesenti angu-30 wesisekelo sokwehla kwenani (inani lesamba lencwadi susa inani le-scrap) ibalwa ekupheleni kwesikhathi sangaphambilini sokwehla kwenani.
Ukwengeza Ubala kanjani i-EMI ekunciphiseni ibhalansi yanyanga zonke ku-Excel?
Ubala kanjani indlela yokunciphisa ibhalansi? Nasi ukubala kwethu:
- Izindleko x izinga lokwehla kwenani / izinyanga eziyi-12 x izinyanga zobunikazi = ukwehla. 25000 x 40% / 12 x 9 = 7500. …
- Izindleko zangempela - ukwehla kwenani kuze kube manje = inani lokuphatha. 25000 - 7500 = 17500.
- Inani elithwalayo x izinga lokwehla kwenani = izindleko zokwehla. 17500 x 40% = 7000.
Iyini inzuzo yokunciphisa izinga lenzalo?
Yehlisa izilinganiso zakho zenzalo okusho ukuthi ukhokha inani elincane lenzalo. Lokhu yehlisa zonke izindleko zemalimboleko yakho. Imali mboleko yomuntu siqu, imali ebolekiwe yemoto, imali ebolekiwe yezindlu, njll. kulindeleke ukuthi ishibhile ngenxa yokwehliswa kwakamuva kwenani le-repo.
Kuyini ukwehlisa ibhalansi? Indlela Yokunciphisa Ibhalansi: Incazelo
Ngaphansi kwendlela yokunciphisa ibhalansi, inani lokwehla kwenani libalwa ngokusebenzisa iphesenti elingashintshi enanini lencwadi lempahla unyaka ngamunye.. … Lokhu kungenxa yokuthi inani lebhuku elisetshenziselwa ukubala izindleko zokwehla lihlala lincishiswa unyaka nonyaka.
Iyiphi imali ebolekiwe engcono kakhulu yokunciphisa noma eyisicaba? Izilinganiso zenzalo eziphansi ngokuvamile ziphansi kunezinga lebhalansi elehliswayo. Ukubala inani lenzalo eliphansi kulula uma kuqhathaniswa nokunciphisa izinga lebhalansi lapho izibalo zikhohlisayo khona. Ngokwezinto ezibonakalayo, indlela yezinga lokunciphisa ingcono kunendlela yesilinganiso esiphansi.
Iyini inzalo yokunciphisa nyanga zonke?
Ukunciphisa/ Ukunciphisa izinga lebhalansi, njengoba igama lisho, lisho isilinganiso senzalo esibalwa nyanga zonke enanini lemalimboleko esele. Ngale ndlela, i-EMI ihlanganisa inzalo ekhokhwayo enani lemalimboleko esele yenyanga ngaphezu kwenkokhelo eyinhloko.
Futhi Yini ukwehlisa izinga lenzalo? Izinga lokunciphisa lenzalo liwukuthi lapho inani lenzalo okufanele likhokhelwe licabangela izinkokhelo ezenziwe, ngakho ibalwa ngokumelene nenani lemalimboleko esele noma ibhalansi esele, kunenani eliyinhloko langempela.
Iyini ifomula ye-EMI?
Ifomula yezibalo yokubala i-EMI yile: EMI = P × r × (1 + r)n/((1 + r)n – 1) lapho P= Inani lemalimboleko, r= izinga lenzalo, n=isikhathi senani lezinyanga. … Uma inani lemali ebolekiwe liphezulu noma izinga lenzalo, izinkokhelo ze-EMI ziphezulu futhi okuphambene nalokho.
Ingabe isilinganiso esiphansi noma isilinganiso sokunciphisa singcono? Izilinganiso zenzalo eziphansi ngokuvamile ziphansi kune- ukunciphisa izinga lebhalansi. Ukubala inani lenzalo eliphansi kulula uma kuqhathaniswa nokunciphisa izinga lebhalansi lapho izibalo zikhohlisayo khona. Ngokwezinto ezibonakalayo, indlela yesilinganiso sokunciphisa ingcono kunendlela yesilinganiso esiphansi.
Lithini izinga lenzalo ekunciphiseni ibhalansi?
Ukunciphisa/ Ukunciphisa izinga lebhalansi, njengoba igama lisho, lisho isilinganiso senzalo esibalwa nyanga zonke enanini lemalimboleko esele. Ngale ndlela, i-EMI ihlanganisa inzalo ekhokhwayo enani lemalimboleko esele yenyanga ngaphezu kwenkokhelo eyinhloko.
Kusebenza kanjani ukwehlisa imali ebolekiwe?
Ekwehliseni indlela yebhalansi, inzalo okufanele ikhokhwe ibuyekezwa njalo ngenyanga enanini lemalimboleko esele. Ngale ndlela, i-EMI ihlanganisa inzalo ekhokhwayo yemalimboleko esele ngaphezu kwenkokhelo eyinhloko.
Ubala kanjani ukunciphisa ukwehla kwebhalansi ku-Excel?
Ubala kanjani ukwehla kwebhalansi yokunciphisa inyanga nenyanga? Okokuqala susa inani lokusindisa impahla ezindlekweni zayo, ukuze kunqunywe inani elingehliswa.
- Isamba sokwehla kwenani = Izindleko - Inani lokuhlenga. …
- Ukwehla kwenani lonyaka = Ukwehla kwenani okuphelele / Isikhathi sokuphila esiwusizo. …
- Ukwehla kwenani kwanyanga zonke = Ukwehla kwenani laminyaka yonke / 12. …
- Ukwehla kwenani kwanyanga zonke = ($1,200/5) / 12 = $20.
Iyini imiphumela engemihle yokwehlisa amanani enzalo?
Amazinga aphansi kwenza ukuboleka imali kushibhe. Lokhu kukhuthaza ukusetshenziswa kwemali kwabathengi nebhizinisi kanye nokutshalwa kwezimali futhi kungakhuphula izintengo zempahla. Ukwehliswa kwamazinga, nokho, kungaholela ezinkingeni ezifana nokwehla kwamandla emali kanye nezicupho ze-liquidity, ezibukela phansi ukusebenza kwamazinga aphansi.
Kungani i-RBI inganciphisi inzalo? Okukodwa, ukwehla kwamandla emali okudayisa, elinganiswa nge-Consumer Price Index, ikhuphuke ngo-June yaya kumaphesenti angu-6.09 isuka kumaphesenti angu-5.84 ngoMashi, yephula uhla oluhlosiwe lwebhange elimaphakathi lwesikhathi esimaphakathi lwamaphesenti angu-2-6. Lokho kubonakala kuwuphawu olubomvu olukhulu, okwenze i-MPC yathatha isinqumo ngazwi linye sokuyeka ukwehlisa amanani enqubomgomo.
Kungani amabhange engawehlisi inzalo?
Esinye isizathu sokuthi ababolekisi bangehlisi izinga labo lesisekelo ukuthi isenzo esinjalo sithinta ingxenye enkulu yephothifoliyo yabo yemalimboleko futhi, ngaleyo ndlela, ibhalansi yabo (funda inzuzo). Amabhange amaningi asebenzisa isilinganiso sezindleko zezimali zekota yangaphambilini, ukuze anqume amanani awo esilinganiso.
Ubala kanjani indlela yokunciphisa ibhalansi? Ibalwa nge ukudonsa ukwehla kwenani (ingqikithi) enqwabelene ezindlekweni zempahla engashintshi. Isamba senani lebhuku inani lengqikithi yempahla ekuqaleni kwesikhathi sokubala.
Iyini inzalo yokunciphisa nsuku zonke?
Indlela Yokunciphisa Yansuku zonke: Kulolu hlelo, uthishanhloko, okhokhela inzalo, kunciphisa kusukela ngosuku okhokha ngalo i-EMI yakho. I-EMI ohlelweni lokunciphisa nsuku zonke incane kunesistimu yokunciphisa yanyanga zonke futhi unyaka uthathwa njengohlanganisa izinsuku ezingama-365 ngaphandle konyaka we-leap noma ongagxumi.
Iluphi uhlobo lwemalimboleko olungcono kakhulu? Kuhle kakhulu kumazinga enzalo aphansi
Imalimboleko yomuntu siqu evikelekile ngokuvamile iza nenzalo ephansi kunemalimboleko yomuntu siqu engavikelekile. Lokho kungenxa yokuthi umbolekisi angase abheke imali mboleko evikelekile njengeyingozi encane - kunempahla esekela imali oyibolekile.
Ibalwa kanjani i-EMI?
Ifomula yezibalo yokubala i-EMI yile: EMI = P × r × (1 + r)n/((1 + r)n – 1) lapho P= Inani lemalimboleko, r= izinga lenzalo, n=isikhathi senani lezinyanga.