Umyinge wesiqhelo kunye real wenzala - umahluko phakathi kwabo?

Lidla ungabona, ekuqaleni, unikeza enomtsalane ezithembisa ukuqinisekisa ukuzimela ngokwezimali. Oku kunokuba needipozithi zebhanki, kunye namathuba kwiipotifoliyo zotyalo. Kodwa ingaba yonke inzuzo njengoko intengiso ithi? Le nto siza kuthetha kwi-sikhokelo inqaku ukuze ufumanise ukuba yintoni na umyinge wesiqhelo kunye nezinga lokwenene.

umyinge wenzala

Kodwa kuqala, makhe sithethe kanye isiseko kulo mzekelo - izinga lenzala. Oku kubonisa inzuzo ngegama, nto leyo ukufumana umntu othile ngokutyala kwinto ethile. Kufuneka kuqatshelwe ukuba kukho ezininzi i amathuba belahlekelwa imali, okanye izinga lenzala, nto leyo ukufumana umntu:

• Fu na ikhontrakthi ebhaliweyo;
• iimeko ezingalindelekanga (crisis lweshishini okanye iziko zebhanki, ukuze ukuba uyayeka ukuphila).

Ngoko kuyimfuneko ukuba ukufunda ngokweenkcukacha enkulu, uya oko nokutyala imali. Khumbula ukuba umyinge wenzala rhoqo kubonisa ukuba Umngcipheko projekthi phantsi isifundo. Ngoko ke, eyenzwe zezo wosondeza izinga ukubuya ukuya kutsho kuma-20%. In high-risk libandakanya ii-asethi ezithembisa ukuya kwi-70% ngonyaka. Kwaye yonke lonto kwaye ezingaphezulu kwezi zalathisi - indawo eyingozi, nguwuphi na, wobulawa ngaphandle amava. Ngoku, xa kukho isizathu yeengcingane, singakwazi ukuthetha yintoni na umyinge wesiqhelo kunye nezinga lokwenene.

Ingqiqo umyinge wesiqhelo

Ukumisela umyinge wesiqhelo umdla ilula kakhulu - Kuyaqondeka njenge inani awandibabala-asethi zeemarike ayivavanyi ngaphandle kokuthathela emali akhawunti. Ngokomzekelo, wena, mfundi, kwaye ibhanki elibonelela imali engaphantsi-20% ngonyaka. Umzekelo, ukuba une 100 amawaka kwaye sifuna ukuyandisa. Ngoko ke, senza ebhankini unyaka omnye. Ke kaloku, emva kokuphela wathabatha 120 lamawaka engange. ingeniso yakho inetha kangangoko 20,000.

Kodwa ngaba kuyinyaniso? Ngapha koko, ngeli xesha na ngokubonakalayo ukwandisa ngokutya ixabiso, impahla, ukuthuthwa - hayi, nithi, 20, no-30 okanye 50 ekhulwini. Kufuneka wenze ntoni kwimeko enjalo, ukufumana umfanekiso wokwenene imicimbi? Yintoni siseza encomekayo ukhetho? Yintoni kufuneka zikhethwe njengoko benchmark ngokwabo: umyinge wesiqhelo kunye nezinga wokwenene okanye into enye kuzo?

rate real

Apha emacaleni ezinjalo kwaye kukho loo mfanekiso nezinga yokwenene ukubuya. Kuyaphawuleka ukuba kube kakhulu lula ukufumana. Ukuze wenze oku, wakususa umyinge wesiqhelo kwezinga lokwenyuka kwamaxabiso kulindeleke. Ukuqhubeka umzekelo ngaphambili, sinokuthi oku: oyifaka ebhankini 100 amawaka kwi-20% ngonyaka. Ukunyuka yaba% 10 kuphela. Ngenxa yoko, ingeniso net wesiqhelo yi amawaka 10 engange. Ukuba ixabiso labo ehlenga, i-9000 kuthengwe ithuba kunyaka ophelileyo.

Olu khetho likuvumela ukuba ufumane ubuncinane kancinane, kodwa inzuzo. Ngoku ungakwazi ukujamelana nenye imeko apho izinga lokwenyuka kwamaxabiso yayisele-50 ekhulwini. Akukho mfuneko yokuba ube yingqondi yemathematika ukuqonda ukuba imeko kunyanzeleka ukuba bakhangele ezinye indlela zokonga nokunyusa iingxowa zabo. Ke konke oku xa kwakunjalo indlela inkcazelo elula. Uqoqosho ukuba ukubala konke oku kusetyenziswa ekuthiwa-Fisher equation. Makhe sithethe ngayo.

Fisher equation, nokutyhilwa kwalo

Thetha ngomahluko ukuba ube umyinge wesiqhelo kunye neqondo yokwenene ibe kuphela kwiimeko lentengo okanye deflation. Makhe sijonge ukuba kutheni. Ngokuba lixesha yokuqala ingcamango ubudlelwane iirhafu wesiqhelo kunye real kwamaxabiso advanced ngezoqoqosho Irving Fisher. Xa ifomula, oko sijongeka njengoku:

MS = NA + OTI

NA - lomyinge wenzala lokubuya;

OTI - rate kulindeleke kwamaxabiso;

RS - izinga lokwenene.

equation Mathematical isetyenziselwa inventory isiphumo Fisher. Kuvakala ngathi le: ukuba umyinge wenzala yi isoloko itshintsha ngokwexabiso apho yokwenene kuhlala ingatshintshanga.

Kusenokuba kubonakale kunzima, kodwa ngoku ukuhlalutya ngokweenkcukacha. Inyaniso kukuba xa kulindeleke inflation rate yi-1%, ngoko ihlelo ikhula kakhulu kwi-1%. Ngoko ke, ukuba ukwenza izigqibo zotyalo esemgangathweni ngaphandle kokuthatha ingqalelo umahluko phakathi amazinga akunakwenzeka. Ngaphambili, ufunda kuphela malunga ithisisi, kwaye ngoku kukho ubungqina lwezibalo yonke etha ngasentla, loo nto yenziwe elula, kodwa, yeha, loo ebuhlungu.

isiphelo

Yaye yintoni uthi esiphelweni? Soloko banikwe ukhetho kufuneka ibe indlela esemgangathweni ukuze yokunyula iprojekthi zotyalo ngokwabo. Akukhathaliseki ukuba yintoni na: ifakwe kwibhanki, ukuthatha inxaxheba mali mutual okanye enye into. Nokunikezela ingeniso elizayo okanye ilahleko kunokwenzeka, usoloko usebenzisa izixhobo kwezoqoqosho. Ngenxa yoko, umyinge oqhelekileyo wenzala nga abakuthembisa inzuzo entle elungileyo ngoku, kodwa kuvavanyo zonke iparameters ziya kufumaneka, ukuba ayikho kamnandi kangaka. Nezixhobo yezoqoqosho ukunceda ukubala ukwamkela nasiphi na isigqibo iya kuba inzuzo.