Kunzwisisa zvisungo zviripo
Kuti nditsanangure kuti hutano hunoita sei basa, ndichaenda kuenzanisa; muenzaniso usingashandisi dzimba.
- Ngatiti iwe unotenga imba ye $ 100,000.
- Kune muenzi mumba munobhadhara $ 500 pamwedzi.
- Kusatora chero mari yaunogona kutenga, unogona kuverenga kuti uchawana $ 6,000 pagore ($ 500 x 12 = $ 6,000).
- Izvi ndezvokudzoka kwegore re 6%. ($ 6,000 akaparadzaniswa ne $ 100,000).
- Panzvimbo yeimba, kana iwe wakatenga chikwereti che $ 100,000, uye chakanga chiri kubhadhara mari ye $ 6,000 gore negore, tingati bhandi ine chibereko chezvino che 6%.
Bond Discounts
Kuenderera mberi nechinzvimbo chekuvakirwa mufananidzo, tifunga kuti tiri kupinda mune zvekuderera, uye bhizimisi guru muguta rako rinoparidzira kucherechedza. Iwe unotya kuti renter yako inogona kubuda kunze. Ramangwana harina chokwadi. Iwe unonyora imba inotengeswa. Kunyangwe iwe uchiri ne renter ari kuribhadhara rendi yemwedzi, chipo chakanaka iwe unogamuchira nokuda kweimba iri $ 50,000.
Imba iri kutengeserana ne "discount" uye inoratidza chisungo chekudzivirira dambudziko . Kubviswa kwacho kunoratidza kukosha kwezasi kwezita rekukosha.
Chibvumirano Chinobereka Mukusagadzikana Kwakashata
Kana mumwe munhu akatenga imba yako pa $ 50,000, uye muridzi wacho achigara, muridzi wacho iye zvino anowana $ 6,000 pagore pamari yavo ye $ 50,000. Chibereko chavo chazvino chiri 12%. ($ 6,000 akaparadzaniswa ne $ 50,00) Vanowana kudzoka kwakakwirira nokuti vaida kutora mungozi yekutenga ruzivo rwemari munguva dzisina chokwadi.
Dai imba yacho yaifanirwa ne $ 100,000, iyo yaisazogadziriswa uye chibereko chazvino chaizoderedza kumashure 6% achifunga kuti renhi inogara yakangofanana.
Bond Kusiyana
Kana kambani isingabhadhari chikwereti pazvisungo zvayo, zvinonzi hazvina kukwana.
Bonds inotengeserana nechinotengeswa (zvinoreva pasi pechiso chavo chepamusoro) apo pane dambudziko guru kuti mamwe emakambani achabuda kunze kwebhizimisi uye naizvozvo zvingasaderera pazvisungo zvavo .
Izvi zvinokanganisa mutengo wemusika, kwete "kukwereta."
Mumuenzaniso watakashandisa, kana muridzi wacho achirasikirwa nehomwe, chibereko chiripo chinova 0%.
Bond Interest Inowanikwa Yakachengeteka Kupfuura Kugoverwa Kubhadhara Kubasa
Imwe kambani inofanira kubhadhara chikwereti pazvisungo zvayo isati yabhadhara chikamu pane zvayo, saka, munguva dzisina chokwadi, ramangwana rako rekutsvaga mari yakachengeteka kana iwe une chikwereti chekubhadhara chikwereti pane chikamu chekubhadhara chikwereti .