Menene fili amfani da abin da ke ta amfani?

Kafin kowane mutum fata bude wani bank account, da aiki na zabi mafi kyau da kuma mafi m bank account irin. Kuma idan fiye ko žasa bayyana tare da bankuna - shi ne mai yiwuwa a kewaya da yawa ratings kuma zabi cikin ofishin, wanda aka located ba da nisa daga wurin zama, daga zabi na da irin asusun da halin da ake ciki shi ne da yawa mafi rikitarwa. Saboda ban da kudi na riba kamata a yi la'akari ko da yiwuwar ajiya ƙari, farkon janyewar, da hanyar ban sha'awa lissafi da kuma wasu dalilai. Bugu da kari da girman da yawan shi ne na bayar da muhimmanci irinsa. La'akari daki-daki bambanta tsakanin mai sauki da kuma wani hadadden kashi.

Simple Interest. lissafi dabara

Tare da sauki amfani , duk abin da ya bayyana a sarari, domin shi ne karatu a makaranta. Abinda ya tuna shi ne cewa sha'awa kudi ne ko da yaushe nuna ga shekara. Nan da nan dabara kanta tana cikin nau'i:

CC = NA + NA * i * NA = n * (1 + i * n), inda

NA - da farko adadin,

Cop - karshe Naira Miliyan Xari,

i - da darajar da sha'awa kudi. Don ajiye wani lokaci na 9 months da kudi na 10%, i = 0,1 * 9/12 = 0.075 ko 7.5%,

n - yawan tabi lokaci.

Ka yi la'akari da 'yan misalai:

1. A saka jari yana sanya dubu 50. Rubles ga ajalin ajiya a 6% Apr for 4 months.

Cop = 50000 * (1 + 0,06 * 4/12) = 51000,00 p.

2. Term ajiya 80 dubu. Rubles karkashin 12% annum for 1.5 years. A wannan yanayin, da amfani biya a kan wani kwata-akai ga katin (ga ajiya da ba su da alaka).

Cop = 80000 * (1 + 0,12 * 1,5) = 94400,00 p. (As kwata biya ban sha'awa da aka ba kara wa ajiya adadin, da karshe ware Naira Miliyan Xari da wannan shã'aninku ba ya shafa)

3. A zuba jari ya yanke shawarar sa 50,000 rubles ga wani ajali ajiya a 8% da annum for 12 days. A yarda wa cika ajiya da kuma lissafi ƙari da aka yi a 91 kwana a cikin adadin 30,000 rubles.

A wannan yanayin, kana bukatar yin lissafi sha'awa a kan biyu da adadi. Farko - wannan shi ne 50,000 p. da kuma 1 shekara, da kuma na biyu da 30,000 rubles da 9 months.

KC1 = 50000 * (1 + 0,08 * 12/12) = 54000 a kan p.

KC2 = 30000 * (1 + 0,08 * 9/12) = 31800 a kan p.

CS = CS1 + CS2 = 54000 + 31800 = 85800 p.

Fili Interest. lissafi dabara

Idan yanayin da ajiya nuna cewa zai yiwu capitalization ko reinvestment, aka ce cewa a cikin wannan harka, fili amfani Za a yi amfani, wanda lissafi aka yi a kan wadannan dabara:

Cop = (1 + i) ⁿ * NA

Zane-zane da suke daidai kamar yadda a cikin dabara domin sauki amfani.

Yana haka ya faru da cewa ban sha'awa da aka biya akai akai fiye da sau daya a shekara. A wannan yanayin, mai rikitarwa kashi da aka lasafta dan kadan daban:

Cop = (1 + i / a) ^NK * NA, inda

to - da mita daga tanadi a kowace shekara.

Baya ga misali, a cikin abin da bankin ya soma wani lokaci ajiya 80 dubu. Rubles karkashin 12% annum for 1.5 years. Ɗauka cewa sha'awa ne kuma a biya kwata, amma wannan lokaci za su iya kara wa jiki na ajiya. Wannan shi ne, za mu saka da capitalization.

Cop = ^{(1 + 0.12 / 4) 4} * 1.5 * 800000 = 95524.18 p.

Kamar yadda ka riga iya lura, sakamakon da aka at 1124,18 rubles more.

A amfani da compounding

Fili sha'awa kamar yadda idan aka kwatanta da sauki ko da yaushe ya zo da karin riba, kuma wannan bambanci ya karu a kan lokaci sauri da sauri. Wannan inji shi ne iya maida kowace farko-up babban birnin kasar a cikin musamman m inji bukata kawai ba shi da isasshen lokaci. A lokacin, Albert Einstein kira fili amfani da mafi iko da karfi a cikin yanayi. Idan aka kwatanta da sauran iri zuba jari irin wannan irin gudunmawar yana da muhimmanci abũbuwan amfãni, musamman a lokacin da zuba jari nã zãɓen cikin dogon lokaci. Idan aka kwatanta da hannun jari, fili amfani ne da yawa kasa hadarin da kuma barga shaidu samar da kasa da kudaden shiga. Hakika, wani banki iya ƙarshe su lalace (wani abu zai iya faru), amma zabar wani kudi ma'aikata cewa halarci a jihar ajiya da inshora makirci, wanda za a iya rage girmanta da kuma hadarin.

Saboda haka, zamu iya cewa fili amfani ne mafi al'amurra fiye da tare da kusan duk wani kudi da makami.