Xisaabiyaha Sicir-bararka

Xisaabiyaha Sicir-bararka

Qiyaas qiimaha mustaqbalka iyo isbeddelka awoodda wax-iibsiga ee lacagta wakhtiga ka dib.

FAHAM JAWAABTA

Sidee tan loo xisaabiyaa?

Sicir-bararku wuu isku tarmaa sababtoo ah boqolleyda sannad kasta waxay ku dabaqantaa qiimaha sare ee sannadkii hore. Awoodda wax-iibsigu waxay isticmaashaa rogaalka isla qodobka isku-tarma.

Qaacidada sicir-bararka isku-tarmaKharashka mustaqbalka = Kharashka hadda × (1 + heerka sicir-bararka)ˢᵃⁿⁿᵃᵈᵒ

Tusaale wax ku ool ah

Sicir-barar sannadle ah oo 3% ah, wax maanta ku kacaya $10,000 wuxuu toban sano ka dib ku kici lahaa qiyaastii $13,439.

Mala-awaallada, fasiraadda iyo khaladaadka caadiga ah

Mala-awaallada xisaabinta

  • Hal celcelis heer sicir-barar oo joogto ah ayaa lagu dabaqaa muddada oo dhan.
  • Lacagta la doortay waxay matalaysaa dambiil alaabo oo la barbar dhigi karo wakhtiga ka dib.
  • Canshuuraha, soo-celinta maalgelinta iyo isbeddellada kharashka qofka waa laga reebay.

Sida loo fasiro natiijada

  • Kharashka mustaqbalku waa qiimaha dambe ee sicir-bararka isku-tarma tilmaamayo.
  • Isbeddelka isbiirsaday wuxuu ka weyn yahay heerka sannadlaha ah oo lagu dhuftay sannadaha marka sicir-bararku togan yahay.
  • Awoodda wax-iibsigu waxay muujinaysaa inta qaddar nominal ah oo go'an ahi ku iibsan karo qiimaha maanta.

Khaladaadka caadiga ah ee laga fogaado

  • Heerarka sicir-bararka sannadlaha ah oo la isku daro halkii la isku tarmin lahaa.
  • In loo maleeyo sicir-bararka guud inuu si sax ah ula mid yahay kharashaadka qofka.
  • Isbarbardhigga lacagta mustaqbalka iyo lacagta hadda iyada oo aan sicir-barar lagu hagaajin.