Dhisikaundi coefficient

Pakati pfungwa huru dzehurukuro anobudirira Implementation ramambo urongwa ndiye kukarukureta yacho dhisikaundi chinhu. Kakawanda, bhizimisi plan, vatengi vane nepfungwa isina kujeka pamusoro kukosha parameter ichi, uye dzimwe nguva kunyange kunzwisisa nei zvakakodzera kuti kuvimba.

Discounting - ndiye kukarukureta pamusoro mari Rwako chokuita nguva yemberi. Nemamwe mashoko - ndiro tsanangudzo ramangwana zvakaoma kuti magetsi kwechinguva.

discounting chinhu inoita kuti kufungidzira mubhizimisi pangozi uye nguva chikonzero. Nguva ipi chirongwa chinokosha yakaoma chinhu, nekuti mari tinogamuchirwa panguva, vari vaida pamusoro mari, iyo iri kutarisirwa mune ramangwana nguva. Pashure pezvose, "nhasi" zvinoreva unogona mari kana kuponesa, uye kuwana chikamu mari.

Kuti tizive nguva nguva chirongwa, anofanira kwerubwinyo rwakagara rwuripo akaisa yokupedzisira musi Payakapera, akatarisirwa makore (mazuva kana mwedzi), pashure iyo chirongwa chichaitwa vakafunga zvazviri isingagamuchiriki. Kusvikira zuva, zvishoma, Somuenzaniso, kushandiswa michina rokuti, chirongwa achakwanisa kuti vaunze purofiti. Yakarurama naro nguva miganhu zvinokosha, sezvo zviri pachena dzemaitirwe ramangwana mari uye zvakanakira mumabhizimisi urongwa. Nezvishoma kana vachigurisira ya chirongwa kunotema nguva siyana iyo anokarirwa accrual pakati mari uye kwemari chizvarwa. Saka, nguva chirongwa Kukoshesa zvinofanira kuva zvinokwanisika, pasinei izvozvo kuchawedzera kana kutapudza kukwezva kwayo.

Kukosha mari kufunga kuwana ramangwana zveminda zvakananga achipinda Kukwezva nechirongwa kuongorora. Nokuti chinangwa ichi, kuti dhisikaundi mwero rinowanikwa Rwako zvemari. Yakadaro kuongorora runoita kuongorora mari uye vanowana zvikomborero yose chirongwa upenyu kutenderera, ichiratidza vamwe mari runoyerera nerimwe wakaiswa yakareba (kazhinji gore, mwedzi , kana makore mashanu). Izvi zvinoratidzwa kubatsirwa uye mari yose nguva upenyu kutenderera ane uwandu mikana vavete chokwadi kuti unogona kuziva zvakajeka zvikuru zvinokonzera kufurira maumbirwo Rwako zvemari. Izvi zvinogona kuva padanho mitengo, kuchinja mitengo uye nechokwadi kana ngozi.

Kana vanhu vanotaura pamusoro dhisikaundi, kuwedzera chinhu kakawanda kutaurwa dhisikaundi unodiwa. Nemashoko kwoupfumi, ichi mwero kudzoka musi paakapiwa guta. Nemamwe mashoko, dhisikaundi mwero runoita kuverenga uwandu oupfumi kuti musi anokarirwa mari mune ramangwana. Naizvozvo, ukoshi hwayo ane chinokosha kukanganisa rinokosha (anokosha) mhinduro. Kazhinji, kuti vazive dhisikaundi mwero sezvo dhisikaundi anotora kukosha chimbadzo. Zvisinei, pakati izvi pfungwa vane zvishomanana musiyano.

The interest - ndiro muripo pagore nokuda chikwereti, akaratidza kuva chikamu. muripo kwakadaro kunoitika panguva mutsividzo of chikwereti. Kana, somuenzaniso, tora 1000 USD kuti gore rimwe uye chimbadzo ndiyo 20%, ipapo pakutanga kwenguva kubhangi kuchaita ngaateme 1,000 USD maoko, uye pamusoro pakupedzisira vanofanira kudzokera 1000 USD, pamwe yechimbadzo chikwereti (200 USD), zvachose - 1200 USD.

The dhisikaundi zvazvingava anogonawo kushandiswa kuratidza mari zvikwereti, asi muchiitiko chino chitsama chikwereti ipfupi kubudikidza uwandu mubereko pachiri. Kana kubhangi anoda ape chikwereti $ 1000 USD kuti gore rimwe chete dhisikaundi yevanhu 20%, maoko rakapa USD 800, uye pakupedzisira rokuti vanofanira kudzokera 1000 USD.

Saka, discounting ramangwana kuunza mari kusvikira kukosha kuitika musi, nokuderedza navo mumwe zvakafanorongwa nguva chirongwa ichi.

Kukarukureta of dhisikaundi mwero maererano fomura:

Kd - discounting chinhu,

Ini - the dhisikaundi (mubereko) zvazvingava,

N - the ordinal nhamba kumwedzi. Somuenzaniso, wokutanga gore zviri 1, nokuti weshanu - 5.