Mari yechikwereti chikwereti chechikwereti

Kana munhu asina mari yakakwana yekutenga kukuru, kurapa, kurovedza, ari kutsvaga mukana wokukwereta iyi mari. Kuti munhu ane chikwereti ave nechishuwo chekupa ichi kana kuti iyo mari yekushandiswa kwenguva pfupi, kuwedzera kune chivimbo mu solvency yevashandi vake, anoda zvimwe zvipo.

The basic concept

Mari yechido - iyi ndiyo kubhadhara iyo muridzi wemari inoshandiswa pakuishandisa. Iyi yezvematongerwo enyika inowanikwa mune zvigadzirwa zvemari pamusana pehukama hwekukweretesa huripo. Kukura kwechifako ndiyo nheyo yekuenzanisa iyo inomuka pakati pekupa uye kuda. Chikwerero chemari yakweretwa chinobva kune munhu (kana sangano) yakabudisa chikwereti kune wakwereta. Mutero wekufarira uri mune imwe nzira. Nokudaro kutenderera kwekukosha kwapera.

Method of calculation

Saka, chikwereti chikwereti ndiyo nheyo yekufananidza pakati pekugoverwa kwemari uye chido chavo. Chiyero chayo chinotariswa uchishandisa musarudzo inotevera:

Stavka = GD / S * 100%, iyo Stavka inotora chikwata, GD ndiyo mari yegore negore yemuridzi wemari (uyo anokweretesa), S ndiyo chikwereti chemari yakabhadharwa.

Mari yechikwereti ndizvo zvinokweretwa nemunhu anotora chikwereti kutanga kune zvose pakunyoresa chikwereti. Iko kune mazita chaiwo uye mazita ekutengesa. Yokutanga yavo inofunga nezvekuchinja kwekuwedzera kwezvinhu. Chechipiri haisi, nokuti inoratidza chiyero chiripo pakati pechipo chinodzorerwa neakwereta uye chikwereti chemari yawakagamuchira. Iyi ndiyo mari inobhadharwa chikwata chekwereti kwechinguva. Zvakakosha kuziva kuti chiyero chaicho ndicho chikonzero chekuita zvisarudzo pamusoro pemarima.

Chii chinokanganisa kuwanda kwebheti?

Mari yechido chikamu (chepfumi), zvichienderana nezvimwe zvikonzero:

- Kubva pamatambudziko akasiyana. Ichi ndicho chimiro chechimiro chemusika. Ivo vari pakuguma kwezvibvumirano nevatengi, mukugadzirwa kwezvinhu zvitsva nezvimwe zvakadaro. Mungozi yemunhu ane chikwereti ndiyo ngozi yekusadzoka kwemari yake. Iyo yakakwirira iyo, iyo yakawanda iyo inopera.

- Mukuwedzera, chikwereti chikwereti inokosha chinoenderana neshoko rechikwereti. Kana iri duku, ipapo uyo ane chikwereti ane mikana shoma yekushaya mari yekushandisa mari yaakapa kuitira kushandiswa kwenguva pfupi. Muchiitiko ichi, chiyero chichave chiri pasi. Nekuwedzera kwenguva, kukosha kwayo kunowedzera. Izvi hazviiti bedzi nekuda kwenhamba yakawanda yemikana yakarasika, asiwo nekuda kwedambudziko guru rekusadzoka kwemari.

- Nharaunda yekukwereta chikwereti inobva pakuwana chikwereti. Chibvumirano chinhu kana hutsika hunopiwa nemunhu anenge achikweretesa kwenguva yechikwereti. Kana asingakuregi chikwereti chake, uyo anokweretesa anogona kurasa chinhu chakavharirwa. Izvi zvinoderedza ngozi yaro kuburikidza nekuderedza kuwandisa.

- Kubva paukuru hwechikwereti. Inhara yekutora inowedzera kune chikwereti chiduku. Mari dzekutarisira hazvirevi paukuru hwechikwereti. Nokudaro, nekwereti duku, muyero uchava wakakwirira.

- Kubva pamitero yepfuma (kufarira). Zvimwe zvikwereti zvinobhadhara. Kukura kwemari yavo inowanikwa mune chikwereti.

- Kubva pamakwikwi. Nekukura kwayo mazera ari pasi, kunyanya izvi zvinonyatsooneka nekuwedzera kwenhamba yemabhangi.

Inogona kugumiswa kuti mutengo wekubhadhara chikwereti (chiyero) inokosha inoshandiswa nenguva uye inobva pane zvakasiyana-siyana.