Vollarmortisation

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Kodi armort ndi chiyani?

Ngati mukufuna kupeza ndalama ngati mgwirizano wothandizira, mudzadziwanso malo ena apadera. Mwinamwake mwakwanitsa kale mgwirizano woterewu, ndipo ngati mwachotsa ndondomeko zothandizira kubwereketsa ndikusamutsa galimoto yoyimilirayo mu malo anu, mawu omwewo akugwiritsidwa ntchito ndizokwanira. Sikuti ndalama zokhazokha zimayenera kubwezedwa, koma ndalama zonse zogula zimapezeka kudzera muyesoyi. Mitengoyi ndi yowonjezereka kuti mupite kumalo ndipo ndalamazi ndizofala, koma nthawi zambiri zokhazokha zimagwirizana.

Kulipira ngongole yokha

Kusinthanitsa tsopano ndi njira yothandizira ndalama zakuda. Mukakhala ndi ngongole, nyumbayo ikhala yoyamba ndi wamng'ono. Komabe, pokhala ndi chiwongoladzanja cha chiwongoladzanja cha ogula ngongole ndi ogula ngongole, kugulitsa kwapadera sikuyenera kugwiritsidwa ntchito monga mtundu wapadera wa ndalama. Kubweza ndalama nthawi zonse kumakhala ndalama zamtengo wapatali, chifukwa misonkho yomwe ingagwiritsidwe ntchito ndi yofunikanso pa mgwirizano. Malonda a ngongole akhoza kukhala okhuta msonkho nthawi zina ngati mukuchita bizinesi ndipo mukulipirira galimoto kapena chinthucho. Pankhani ya kuchepetsa malipiro, kachitidwe ka ngongole, gawo lokha la umwini limasamutsidwa kwa wogulitsa ntchito. Nthawi zambiri, kumapeto kwa mgwirizano wogwirizana, chinthucho chimaperekedwa kwa wamng'ono, kapena funso limathetsedwa ndikukhala mwiniwake. Mutha kupeza malonda oterewa masiku ano, koma ngongole ya galimoto kapena ngongole yogula ogula ndizochepetseka kotero kuti kubwereka kwaokha kumakhala ndi ndalama zambiri zopindulitsa. Inu monga makasitomala simudzawona ngakhale kusiyana. Mudzapezekanso mlingo woperekedwa mokwanira ndipo mumangofuna kugula kapena kugula chinthucho.

Kuchulukitsa kwathunthu ndi lingaliro lomveka la kubwereketsa

Kaya mumasankha kubwereka ngongole kapena ngongole ya ngongole nthawi zonse ndi funso la mlingo wanu wa ngongole kapena chifukwa chachuma. Kubwereketsa kumadziwa kuti malipiro athunthu ndi otsiriza. Pano pali mapeto a kubwereketsa, makamaka malipiro a ngongole, malipiro omalizira amalipidwa ndipo ndalama zogulira zimapezeka. Malinga ngati chiwerengero cha chiwongoladzanja chidafika pamlingo wokwera kwambiri kwa ndalama zowonjezera, ngongole yobwereketsa inali njira yodziwika kwambiri yopezera ndalama. Inu tsopano mukufuna kudziwa mitundu yanji ya amortization ilipobe. Mawu oti "amortizing" mwina akudziwikiratu kwa inu ndipo pano nthawi zonse mumakhala ndi kukhudzidwa ndi mawuwo. Pankhani ya kusonkhanitsa kwathunthu, kugwirizana kwachuma kuyenera kukwaniritsidwa ndi kukwaniritsa malipiro okwanira kumathetsa mgwirizanowu pamapeto pake, zomwe siziyenera kuvomerezedwa kumayambiriro kwa kubwereketsa. Zolemba zamakono ndizodziwikiratu kuti zimakhala zotsiriza, ndipo ngati ndalama zonse zogwiritsidwa ntchito zimagwiritsidwa ntchito, mlingo wokhala ndi ngongole siwugwiritsidwanso ntchito ndipo umasinthidwa ndi chiwonetsero chomaliza chomaliza. Mafunso omwe amapezeka pa nkhani yokonzanso zonse, mwachitsanzo, nkhani yobwereketsa akadali yamtengo wapatali - yomwe mumalipira ngati mtengo wotsiriza. Momwe ndalama zimakhudzira kukwanira kwathunthu ndi chinthucho chiyenera kutayidwa katundu weniweni. Ubwino wa kusankha kusungidwa kwathunthu ndi kuzindikira kwa mawerengedwe ofanana. Simukusowa kupulumutsa pamapeto, kotero mutha kulipira malire omaliza. Pankhani ya kuchepetsa malipiro, mudzalipira malire apamwamba, omwe adzaphatikizepo ndi kukonzanso kale. Mu chiwerengero cha ndalama zokwanira zowonongeka ndi zowonjezereka zowonongeka, ndalama zopezera ndalama zikuphatikizidwa muziwerengero. Mulimonsemo, wamng'onoyo amapanga bizinesi yabwino pazomwe amakolola.

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