Chokwadi wakambonzwa nezve amortization kanopfuura kamwe. Nekudaro, zvingangoita kuti, kunyangwe iri izwi rinowanzo shandiswa nenyanzvi dzezvehupfumi nenyanzvi, unogona kunetseka kurinzwisisa. Nokuti ... unoziva here kuti amortization chii, ndeapi marudzi aripo uye anoverengwa sei?
Kana iwe uchida kugona iyi pfungwa zvakanyanya sezvinobvira uye kuwana zvakanyanya kubva muhupfumi hwemba yako, wobva watarisa izvo zvatakagadzirira kuti unzwisise.
Chii chinonzi amortization
Ngatitangei pakutanga. Uye ndiko kunzwisisa zvatiri kureva kana tichitaura izwi rekuti amortization. Chaizvoizvo, iri a kurasikirwa kwatinotambura kana tine pfuma.
Kuti ndikupe pfungwa. Fungidzira kuti uchangobva kutenga terevhizheni inonyanya kukosha pasi rose. Yakakudyira mari uye ikozvino iwe unongoda kunakidzwa nayo. Nekudaro, nekufamba kwenguva, zvawakabhadharira TV iyoyo handizvo zvawaigona kuzoiwana gare gare. Kana nguva yafamba, mari yawabhadhara paterevhizheni haizofanani.
Zvakanaka, ndiyo inonzi amortization.
Mune mamwe mazwi, ndezvekuti zvinhu (zvigadzirwa, masevhisi, zvinhu, nezvimwewo) zvinomira sei kurasikirwa nehukoshi hwawakazviwanira. Uye panouya nguva pavanenge vasisakoshi chero chinhu.
Ngatikupei mumwe muenzaniso uri nyore kunzwisisa. Sezvaunoziva, kune akati wandei Playstations, handiti? Pakabuda Playstation 3, yakaita kuti Playstation 2 isashande uye zvitoro zvakavatengera vakamboshandisa nemutengo usiri wawakabhadhara. Panyaya yePlaystation 4 ne5, idzo dziripo iye zvino, kudzitengesa zvinoreva kuti hadzikupe zvakafanana nezvawakabhadhara.
Izvo zvingave, neimwe nzira, amortization, nekuti haina kukosha zvakafanana nepawakaiwana.
Mhando dzeamortization
Zvino zvaunenge wanzwisisa zvirinani kuti amortization chii, nhanho inotevera yekutora ndeyekuziva kuti ndeapi marudzi eamortization aripo. Chokwadi ndechekuti kune akati wandei, asi anonyanya kushandiswa uye akajairika ndeaya anotevera:
Accumulated amortization
Inonzi the kudzikira kwemidziyo panguva yakatarwa (makore akati kuti). Ndokureva kuti, zvauri kuyedza kuita kuziva kuti chigadzirwa kana asset chingave nei mushure memakore mashoma.
Ngatiende nemuenzaniso kuti iwe unzwisise. Fungidzira kuti unotenga terevhizheni uye inodhura iwe 1000 euros. Mumakore mana izvo hazvizove zvakakosha, asi iwe uchafanirwa kubvisa amortization yegore iyo yanga ichirasikirwa gore negore.
Naizvozvo, iyo formula yeamortization iyi ndeiyi:
Yakaunganidzwa amortization = Yegore amortization x Makore kubva pakutenga.
Izvo zvinokupa iwe kuti yakawanda sei amortization iyo chigadzirwa charasa. Uye kana ukaibvisa kubva pane zvawakabhadharira chigadzirwa, iwe uchaona chii, panguva iyoyo, chigadzirwa chako chingave chakakosha.
Technical kana economic amortization
Rudzi urwu runoshandiswa kukugadzirira kutsiva iyo asset. Uye ndizvozvo Inosanganisira kuchengetedza mari yakafanana iyo inoderedzwa gore negore neasset, zvekuti kana nguva yafamba wototenga imwe asset yekutsiva yauinayo unenge watochengeta mari iyoyo.
Amortization yekudyara
Iyi pfungwa haisi kushandiswa zvakanyanya muhupfumi hwepamba, asi kuinzwisisa kunogona kubatsira zvikuru. Inotarisa pa ziva kana kutenga kwako kuine pundutso. Kuti uite izvi, unofanirwa kuenzanisa zvigadzirwa zvaunogona kusarudza uye kuona kana mutsauko wemutengo pakati peimwe neimwe ungazoderedzwa munguva inopfuura kana shoma. Chinangwa ndechekuziva kuti uchazviita rinhi kuti utange kuona mabhenefiti.
Kuti ndikupei muenzaniso. Fungidzira kuti iwe unoda kuisa mari muresitorendi uye iwe unofanirwa kuisa makumi matatu ezviuru zveeuro. Pano, iwe unofanirwa kuziva kana iwe uchizotora mari yawakaisa kuti utange kuona mabhenefiti. Kana iyo payback isingazoitike mumakore makumi maviri, saka inogona kunge isingaite pundutso. Asi kana zvikaitika mugore rimwe kana maviri, mari yacho inogona kunge iri sarudzo yakanaka.
Amortization yechikwereti
Inoreva muripo wasara wasara kuti upedze chikwereti. Ndokunge, kana iwe uchibhadharira kosi muzvikamu, kubhadharisa chikwereti chako kungave kuri kubhadhara kwaungada kuti ubhadhare.
Amortization yemortgage
Zvakafanana nezviri pamusoro, tinenge tichitaura pamusoro pechikwereti, panzvimbo yechikwereti. Nekudaro, iwe unofanirwa kuziva kuti dzimwe nguva, Amortization inonziwo kubhadhara mari yasara yembavha yako isati yapera temu.
Amortization yechikwereti
Zvingave zvakafanana nezviri pamusoro, ndiko kuti, izvo zvawasiya kubhadhara pachikwereti nekufamba kwenguva.
Kuti amortization inoverengerwa sei
Zvino zvaunoziva kuti amortization chii uye kuti ingani mhando dziripo, ngatienderere mberi kune kuti inoverengerwa sei. Chokwadi ndechekuti zviri nyore nekuti zvinodzorwa neformula. Chii? Ndinokuudza kuti:
Amortization yegore = Kutenga kukosha / Inofungidzirwa hupenyu hunobatsira.
Ndichakupai muenzaniso kuti munzwisise. Fungidzira kuti wakatenga Playstation 5. Tinoziva kuti ichava pamusika kwemakore anenge 6, nokuti pane kare runyerekupe rwekoni inotevera. Saka inofungidzirwa hupenyu hunobatsira makore matanhatu. Zvino, kukosha kwekutenga ndiko kwawakabhadhara iyo console. Ngatiisei 6 euros.
Zvakanaka, uchitevera fomula, waizofanira kugovanisa mazana matanhatu emaeuro nemakore matanhatu, nenzira yekuti inokupa zana remaeuro. Ndiyo yakawanda sei koni yako "inoderedza" gore rega rega.
Iwe unogona kuisa chinhu chimwe chete kune zvimwe zvinhu zvakawanda, zvingave midziyo, kudzidziswa, masevhisi, kana chero chinhu chipi zvacho.
Izvo zvino zvave kujeka kwauri kuti amortization chii, ingani mhando dziripo uye kuti inoverengerwa sei? Zvitende kana urege, izvi zvinogona kunge zvakanakira hupfumi hwemba yako nekuti zvinokubatsira kuita sarudzo dziri nani maererano nekutenga kwaunoita uye kuti zvinonyatsokukodzera here kana kuti kwete. Une mibvunzo here? Tiudze pasina dambudziko.