Waa maxay heerka sicir-dhimista

Heerka sicir-dhimista - tani waa dulsaarka, taas oo loo isticmaalayo in hoos u socodka lacag caddaan ah mustaqbalka in ay qiimaha la joogo. Its xisaab malaha waa mid ka mid ah arimaha ugu wayn oo adag in dersaan marka qiimaynta maaliyadeed ee mashruuca maal kasta. From ay sax ku xiran tahay waxa qiimaha ugu dambeeya ay noqon doontaa qiimaha lacagta caddaanka ah la joogo.

Haddii aad codsato heerka hoose, ee qiimaha jooga ah ee bixinta lacagaha la filayaa in la quudhsan laga yaabaa in mustaqbalka. Tani waxay keenaysaa doonaa doorasho hawlqabad la'aan ah Maal mashruuca, oo sababtay in uu oggolaan doono in khasaare halis ah. Xad-dhaafka ah heerka sare, ka bacdi, waxay keeni kartaa in khasaare in ay si dhab ah - seegay fursad dakhli dhalin ah.

Heerka sicir-dhimis ayaa sidaas ka dhigan tahay heerka of laabto boqolkiiba, taas oo ah si aad u hesho Maal ah oo ku saabsan magaalada maal. Taasi waa mashruuc loogu talagalay Maal ee waxaa loo arkaa inay soo jiidasho leh marka heerka of laabashada uu ka badan yahay heerka sicir-dhimista waxaa wax maalgelin kale oo raasamaal ay suurtagal tahay halis la mid ah.

Heerka sicir-dhimista, dhinaca kale, waa mid muujisa ee qiimaha lacagta la tixgelinayo khataraha iyo factor waqtiga, sababtoo ah lacagta dhabta ah in qofka uu leeyahay xilligan la joogo, waa wax badan ka fiican (waxay leeyihiin qiimo weyn) loo siman yahay, waxa uu xaddiga lacagta, taasoo uu ka filayo in ay ka faa'iideystaan mustaqbalka.

Tan waxa u sabab sababo dhowr ah, tusaale ahaan, in:

• Waxaa had iyo jeer waa halista ah ee lagu qiyaasey ugu fudud ee aan helin;

• lacagta la heli karo faa'ido ka sameyn karo, tusaale ahaan, la dhigay on deposit in bangiga.

• lacagta la heli karo iyada oo sababtu tahay sicir bararka lumin doonaa awoodda wax iibsiga ay.

Beegyada soo socda waxaa ka mid ah in heerka sicir-dhimista:

• sicir-bararka ,

• khatarta-factor maalgashiga, (waayo, kiis kasta);

• heerka ugu yar ee soo laabto in balan qaadi karo.

xisaabinta heerka sicir-dhimista waxaa la sameeyaa ku salaysan farsamooyin kala duwan, ku dhaqanka inta badan experimentally goostay. Tani waxay xisaabta labada shuruudaha bangiga Maal iyo maalgelinta, kuwaas oo soo jiidata looga baahan yahay soo galeen hirgelinta mashruuca lacag.

In xaaladaha Ruush, hawlaha maalgashiga oo markasta ku lamaan heer variable of halis, sidaas darteed, iyo heerarka abid-beddelo dakhliga iyo kharashka. Sababtan awgeed, ku dhaqanka, faa'iidada mashruuca waxaa dhif saaraa iyadoo la isticmaalayo habka xarfo si toos ah, iyada oo aan la tixgelinayo heerka sicir-dhimista.

bixinta lacagaha laga dhimay, iyada oo xisaabta discounting, dabcan, inta badan si sax ah uu ka tarjumayaa qiimaha dakhliga la heli karo.

farsamada ugu badan ee go'aaminta heerka caasimada dhaqaale socodka lagu daydo dhimis waxaa ka mid ah kuwan soo socda:

1. adiga kuu gaar ah:

• qiimaynta hantida magaalada;

• dhismaha wadareed.

2. Maalgelinta:

• qiimaha celceliska miisaan leh caasimadda.

barta asaasiga ah ee geedi socodka of discounting - dejinta heerka sicir-dhimis gaar ah. Laga soo bilaabo barta of view of dhaqaalaha waa heerka sicir-dhimis ah ee heerka of laabto in laga heli lahaa haddii lacagaha kuwanu waxay ahaayeen heli karaa ururka ka. By isticmaalaya heerka sicir-dhimista lagu go'aamiyaa qaddarka in Maal waxay yeelan doonaan in ay bixiyaan ayaa maanta si ay u qalmaan inay helaan lacagta lagu qiyaasay mustaqbalka.

Heerka sicir-dhimista waxaa loo baahan yahay in:

• soo saaro xisaab badan oo sax ah soo laabashada mashruuca;

• inay is barbar dhigaan tirooyinkan la qabyada ah hadda ee heerka hoose ee soo laabto marka la maalgashado ganacsi la mid ah.