Akuma ko kubara kurangiza kwishura inguzanyo y'inzu

Akuma ko kubara kurangiza kwishura inguzanyo y'inzu

Raba uko amahera y'inyongera ya buri kwezi ashobora kugabanya ikiringo c'inguzanyo y'inzu n'inyungu.

TAHURA INYISHU

Ibi bibarwa gute?

Ikiguzi gisanzwe c'umutahe n'inyungu kibarwa ku mahera asigaye n'ikiringo. Amahera y'inyongera yongerwa ku kwishura kumwe kose kandi agashirwa ku mutahe.

Ifomula yo kwihutisha kwishuraIkiringo gishasha = −ln(1 − rP ÷ ikiguzi) ÷ ln(1 + r)

Akarorero ngirakamaro

Kwongerako amadolari 250 buri kwezi ku nguzanyo y'inzu y'amadolari 280.000 birashobora gukuraho imyaka ku rutonde rwo kwishura no kuziganya inyungu nyinshi.

Ivyiyumviro, insiguro n'amakosa akunze gukorwa

Ivyo ibiharuro bishingirako

  • Igipimo c'ubu kiguma kidahinduka.
  • Amahera y'inyongera yishurwa buri kwezi kandi agashirwa ku mutahe.
  • Nta gihano co kwishura kare canke amahera yo gusubira kubara inguzanyo arimwo.

Uko wotahura inyishu

  • Igihe gishasha co kurangiza kwishura kigereranya aho amahera asigaye ashika kuri zero.
  • Inyungu yazigamwe igereranya urutonde rwihutishijwe n'urutonde rwa mbere rwari rusigaye.
  • Ikiguzi ca nyuma gishobora kuba gitoyi kuruta amahera asanzwe ya buri kwezi.

Amakosa akunze gukorwa ukwiye kwirinda

  • Kurungika amahera y'inyongera utavuze ko ashirwa ku mutahe gusa.
  • Gukoresha amahera yose y'ivyihutirwa kugira wihutishe inguzanyo ifise inyungu ntoyi.
  • Kwirengagiza igihano c'uwuguriza co kwishura kare canke itegeko ryo gutunganya ukwishura.