Wehliyaha dhimis

Waxaa ka mid ah qodobada fulinta ee muhiimka ah si guul leh qorshe ganacsi waa xisaabinta factor-dhimis ah. Inta badan, qorshaha waxqabadka ganacsiga, macaamiisha wax fikrad ah caddayn ah oo ku saabsan muhiimadda ay leedahay dhimaya this, iyo mararka qaar xitaa ma fahmin sababta ay lagama maarmaan tahay in ay tiriyaan on.

Discounting - waa xisaabinta oo ka mid ah bixinta lacagaha la xiriira waqtiga mustaqbalka. In si kale loo dhigo - taasi waa qeexitaanka dakhliga mustaqbalka daqiiqad hadda.

discounting factor u saamaxaaya in la qiyaaso khatarta maalgelinta iyo factor waqti. Time for mashruuc kasta waa arrin muhiim ah oo muhiim ah, sababtoo ah lacagta la helo xilligan, waxaa ka fadilnay wax lacag ah, taas oo la filayo in muddada mustaqbalka. Ka dib oo dhan, "maanta" waxaa loola jeedaa in aad maal karaa ama badbaadin, iyo hesho boqolkiiba dakhliga.

Si loo go'aamiyo waqtiga ee mashruuca, waa in la hor-dhigay taariikhda xiritaanka ee ay dhamaystirka, tirada la filayo sano (maalmood ama bilood), ka dib markii taas oo mashruuca loo aqoonsan doonaa in farsamo ahaan la aqbali karin. Ilaa taariikhdaas, ku koobnayn, tusaale ahaan, isticmaalka dheer ee qalabka ka, mashruuca ay awoodaan in ay curiyaan faa'iido u noqon doonaa. Sax ah loo xirxiro ee xadka waqti muhiim ah, sida iska cad in xisaabinta kharashka mustaqbalka iyo faa'iidooyinka in qorshaha waxqabadka ganacsiga. Hagaagay ama yaraynta duration mashruuca ay go'aamiso kala duwan oo markii ugu taas oo accrual la filayo kharashka iyo dakhliga qarnigan. Sidaa darteed, muddada qiimaynta mashruuca waa in ay ahaataa mid macquul ah, iyadoo aan loo eegin inta u kordhin doonaa ama hoos ay soo jiidashada.

Qiimaha lacagta ka fiirsaneysa inay helaan dakhli mustaqbalka si toos ah uu galo soo jiidashada falanqaynta mashruuca. Ujeedada this, heerka sicir-dhimista waxaa loo xisaabiyaa isusocodka maaliyadda. Falanqaynta noocan oo kale ah waxay fursad si ay u qiimeeyaan kharashka iyo faa'iidada qulquli dhammaan meertada nolosha mashruuca, oo muujineysa maaliyadda qaarkood socodka muddo kasta go'an oo wakhti (sida caadiga ah sanadka, bisha , ama shan sano). Taasina waxay ku tusaysaa faa'iidooyinka iyo kharashka muddo dhan wareegga nolosha uu leeyahay tiro ka mid ah faa'iidooyinka in been xaqiiqda ah in aad si cad u tilmaami karaa arrimaha ugu waaweyn ee saamaynta ku dhismeedka of socodka dhaqaale. Tani waxay noqon kartaa heerka sicir-bararka, isbeddel ah ee qiimaha iyo walaac ama halista.

Marka ay dadku ka hadlayaan dhimis ah, marka lagu daro qodob heerka sicir-dhimista inta badan ku xusan. In la eego dhaqaale, taas oo heerka of soo laabtay on caasimada maal. In si kale loo dhigo, heerka sicir-dhimista ka dhigayaa suurto gal ah in loo xisaabiyo lacagta maalgelinta taariikhda dakhliga la filayo in mustaqbalka. Sidaa darteed, qiimaha uu leeyahay saamayn wayn ku yeelan ugu muhiimsan ee ay xal (muhiimka ah). Inta badan, si ay u xisaabiso heerka sicir-dhimis sida qaadataa qiimaha dulsaarka. Si kastaba ha ahaatee, inta u dhaxaysa fikradaha waxay leeyihiin xoogaa farqi ah.

Heerka dulsaarka - waa lacag sanadlaha ah ee amaahda, ayaa muujiyay sida boqolkiiba. bixinta sida dhacdaa waqtiga bixinta amaahda. Haddii, tusaale ahaan, in ay qaataan 1,000 doolar halkii sano iyo dulsaarka waa 20%, ka dibna bilowga muddada bangiga soo saari doona 1,000 USD gacmaha, iyo inuu dhamaadka u baahan doontaa inaad si 1000 USD soo laabto, si wadajir ah ula dulsaarka amaahda (200 USD), wadarta - 1200 USD.

Heerka sicir-dhimis ayaa sidoo kale waxaa loo isticmaali karaa si ay u muujiyaan qiimaha credit, laakiin kiiskan qadarka amaah waa la dhimay by xaddiga dulsaarka waxa on. Haddii baanku waxay bixisaa si ay u soo saari deyn ah oo dhan $ 1000 USD muddo hal sano ah iyadoo heerka sicir-dhimis ah 20% ah, hubka ee saaray 800 USD, iyo in dhammaadka muddada ay u baahan doonaan in ay ku noqdaan 1000 USD.

Sidaas daraaddeed, discounting mustaqbalka waa in ay keenaan xaddiga lacagta ay u qiimaha iyo taariikhda hadda, iyaga oo la yareeyo muddada kasta Fundka ee mashruuca.

Xisaabinta heerka sicir-dhimista sida ay caanaha,

Kd - discounting factor,

i - dhimis (danta) heerka,

n - tirada horsanaanta muddada. Tusaale ahaan, waayo, sannaddii kowaad waa 1, waayo, kii shanaadna - 5.