Imali, Personal Finance
Yintoni na umvuzo median: ukubala iinkcukacha-manani. Ingeniso median
Sidla uyazibuza ukuba kutheni kwedatha yeenkcukacha-manani zibonisa amanani elikhulu kangako. Inxalenye yabantu ukholwayo yokwaba imali, nto leyo ithetha ukuba kwindawo ethile amagosa eziphezulu engafanelekanga enza amandla abo, ngoxa abanye bakholelwa ukuba ngokuchasene nentsukaphi inani elipheleleyo labantu eyomeleleyo kukhokela iqela elincinane abanemivuzo ngaphezu komndilili, nto leyo ebangela kwamanani aqokelelweyo okunjalo. Ngokubanzi, le ndlela.
iimpawu ezikhethekileyo umvuzo
Phambi kokuba uqalise ukuthetha malunga kuphakathi imivuzo, kuyimfuneko ukuba siqonde ukuba yintoni na umvuzo avareji, nokuba ukufana phakathi kwezi ntlobo zimbini iindidi zeentlawulo. Ngoko ke masiqale.
Ngokutsho Rosstat, umvuzo avareji eRashiya ezimalunga nama-40 000, 50 000 - of St. Petersburg, malunga 65-70 amawaka - eMoscow. Kodwa idatha efana kuninzi abasebenzisi Internet kubonakale kancane ngendlela ebaxiweyo, kwaye yiyo lonto. Ngokwemiqathango umvuzo akunakwenzeka ukufumana nemiba yokuveliswa kumgangatho wokuphila kwabantu. Cinga nje ngomzekelo ezaziwa kuqoqosho. Kwilali Russian eziqhelekileyo imali ngamnye avareji ka-4700 engange kunye nabemi yabantu 100 beza ingeniso tycoon engange-5 000 000 ngenyanga. Ukususela ngelo xesha, abahlali ingeniso avareji yenyanga yaba ngaphezu kwama-50 000 engange. Ucinga ntoni, umgangatho wokuphila labantu bendawo itshintshile? Kakade ke, ngaphandle kokuba tycoon wavula inkampani yakhe kuloo lali yaye yaphakamisa imivuzo kubahlali bayo.
Ukubala umgangatho umyinge lokuphila iqela elikhulu labantu, resp maninzi amaqhinga ezimbini: Wayityhidela-10% ngayo abona bafundi bahluphekayo kunye abemi bazizityebi avareji imivuzo yabo okanye ukufumana phandle i index sengeniso udibaniso. Indlela yesibini kuxhaphake kakhulu kwaye isetyenziswa kakhulu ngakumbi rhoqo.
umvuzo median kunye neenqobo zayo
Ukuba kule meko akukho mbuzo, siye sasungula uvavanyo ubalo okhethekileyo udibaniso. Esi salathisi lisetyenziswa iingxelo zamanani, ngokubuyisela eliphakathi. Umvuzo median - isafobe ibonisa kakhulu ngokuchanekileyo urhulumente wokwenene.
umvuzo median kwi Russian Federation
Ngokutsho kwezinye kwedatha yeenkcukacha-manani, ukuba ukusebenza yomvuzo udibaniso nge 23-29% ngezantsi avareji, ngoko ke intlawulo ye-55% abemi Russian kuya kuba ngaphantsi kwe-avareji malunga ne-25% kummandla othile yokuhlala.
Ngokusekelwe kule ngasentla, umvuzo median e Moscow, ngokutsho manani ngo-2016, yaba engange 51 000 ngonyaka ngamnye, eSt Petersburg - 34 500 engange, kwezinye imimandla Russia - ku ezahlukene-27 000 engange.
Musa ukukhangela ukuba ingaba kwezi zalathisi understated kancinane kwaye hayi amanani okwenyaniso? Ngokuqinisekileyo.
Uhlalutyo lwezalathisi yomvuzo udibaniso
Ngokutsho portal "Rabota.Yandeks", umvuzo kwikomkhulu Russian ngu 62 500 engange. Nangona amanani kwiminyaka emibini eyadlulayo baba kwi amaxesha amabini asezantsi. Ngoko ke, nokuba ulwazi eli ke linokuthenjwa, ukuba ngo-2015 i-mfanekiso waba kancinci eguquguqukayo ezahlukeneyo?
Ukuze kakhulu ukutsibela izingqinisiso MO umvuzo? Imibono idla impendulo ezimbi. Enye into - ipesenteji yomvuzo isithunzi, ngoyaba ingqalelo Rosstat.
Iingcali, UPawulos, wathi izikhombisi kubangela ithemba epapashwe yi-manani State Service. Ngako oko, le Muscovites umvuzo imalunga 39, 000 yaye kukho izinxaxhi ngo-20% (ngaphezulu / ngaphantsi) yale mali. Nangona udibaniso ngezantsi.
Kuthelekiswa neminye imimandla Russia. Ukususela manani angentla ipapashwe kusini na, kuba nani kuloo mqulu we-27 000 ethile ngenxa data eMoscow St. Petersburg, leyo ukusuka kwindawo kwezoqoqosho lwembono, ezenza malunga nesi-33% ye-GDP Russia kunye% 16 kuphela yabemi. Kokushiya capital factor le, ukuqhuba uphando kunye zama ukubala umvuzo kule mimandla, ngokusebenzisa inkqubo elula kwizibalo:
x / y = 27 000; x - yonke imali ye-Russian Federation, kwi - yonke yesigaba eRashiya.
Ukubalwa:? X (1-1 / 3) / y (1-1 / 6) =; Kulo equation 2/3 - isixa umvuzo kwi-Russian Federation, ngaphandle MO ne St Petersburg, 5 / 6y - ixabiso elipheleleyo zesigaba eRashiya, kungabandakanywa MO kunye eSt Petersburg.
Ngenxa yesi sizathu: 27 000 x 0.8 = 22 400 - sisalathisi se-avareji yengeniso udibaniso, bengathabathanga ingqalelo eMoscow St Petersburg.
Ukuba indawo yakho yokuhlala - Orenburg, Kursk, Krasnoyarsk, yaseTver kunye neminye imimandla eRashiya, inkoliso yabo bonke, umvuzo wakho ngaphezu 22,000, yaye ukunye amathuba ka-50%.
imizekelo ukubala
Makhe sihlolisise umzekelo ekubaleni umvuzo median ukuba abantu 10 eyomeleleyo. Umzekelo, isithethi 9 inzuzo umntu ukhangela ngolu hlobo lulandelayo: 100, 101, 102, 103, 104, 105, 106, 107, 108, omnye wamkela 10 000. Ngenxa yoko, izinga somvuzo angaphaya 1000 engange. Kodwa udibaniso imali engange 104. Udibaniso lomvuzo Russia - yintoni na? Ngokusekelwe umzekelo, sinokuthi kumvuzo udibaniso umntu kuthathwa,-avareji kolu thotho / kuluhlu. Ngamafutshane, isiqingatha sabantu abafumana ngaphantsi kwe, umvuzo wakhe, esinye isiqingatha - enye enkulu.
Lo mkhwa Ziyanda kwi-EU Ilungu States. Akummandla wethu, umvuzo median ibalwa noko ngokwahlukileyo. Yiloo nto bebaninzi umbuzo: "Yintoni na umvuzo median?"
omnye umzekelo
Umvuzo median yahlukile kwi-avareji, kunye nokusebenza kwayo phantse lonke ezisezantsi. Zama ukuqonda kunye umzekelo.
Umbutho iqeshe abantu 3: Courier, mali, umphathi. Day Accountant salary - 330 engange, yikhuriya - intloko ephantsi kathathu - izihlandlo ezithathu ngaphezulu.
Thina ukubala ixabiso avareji umvuzo ifomula: (110 + 330 + 990) / 3 = 476,6 bagcobe.
Masizame Ungabala udibaniso. Phantsi kolu luvo kuthetha imivuzo yabasebenzi embindini uluhlu lomvuzo. Oko kukuthi, kulo mzekelo, le mali womvuzo 330 engange, ibekwe phezu umzekelo ingqalelo, uluhlu ephakathi. Njengoko ubona, isixa somvuzo udibaniso yaba umyalelo sezingeni ngaphantsi kwe-avareji nani.
Umahluko kwinkqubo yokubala ye-median avareji umvuzo
Enyanisweni, yonke into elula. Le mfihlelo ukwimo lomsebenzi lomqeshwa, kuba umphathi nga kuhlawulwa izihlandlo eziliqela ngaphezu ezimali, kodwa yikhuriya zange ukuphepha umphathi wakhe phezu kwimivuzo yemihla ngemihla / ngenyanga. Amatyala kwamaholo ezimbi abhalwe kunqabile kakhulu.
Ke kaloku, eyona nto ibalulekileyo: luni lwezibonisi ukubonisa ngokuchanekileyo ukuba lingakanani na isixa esisiso umvuzo gama - athetha okanye udibaniso?
Ukujolisa kwingeniso median, uya kufunda indlela abaninzi abafumana i-avareji Russian, ngoxa elingu ubonisa njani imali eninzi umntu ukulungele ukuchitha ngenyanga nganye. Ngoko ke, ucinga imigangatho yokuphila kwabemi, umvuzo median kungathathwa Isalathisi ulwazi ngakumbi.
iimeko ezizodwa
Noko ke, kukho omnye "kodwa"! Njengoko kweli xesha lethu kwedatha yeenkcukacha-manani kwimivuzo eRashiya kuba lixesha kakhulu ngokukhawuleza, kuba kucacile ukuba, xa kusenziwa, la manani udibaniso zingasetyenziswa kuphela in ze ezisezantsi-grade, oko kukuthi, apho ukuya kungena iinkcukacha, akukho namnye uya. Ngaphezu kwama-70% of manani zikhululekile ukubakhona: Izalathisi weNgingqi umvuzo, ingeniso candelo, imivuzo kwamanye amazwe yaye ngamaxesha ahlukeneyo - kubhaliwe esusela kwintsebenzo sengeniso avareji.
Kukho enye inkalo yomvuzo udibaniso: yi-27-30% ngezantsi avareji. Ngoko ke, ukuba kuyimfuneko, ukubala umvuzo median Ungabala nje ukusuka yokusebenza zakutshanje ingeniso avareji. Oku oyintsobi ballpark kuphela, kodwa idatha efana kunokuba luncedo.
Njengoko ubona, umahluko phakathi median umvuzo umlinganiselo kusekho, kwaye yenza umahluko evela ngexesha ukuyilwa kweengxelo zamanani kwezo okanye ezinye izibonelelo.
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