Kufarira Kwazvo: Kubata uye Kuverenga

Kushamwaridzana Kwakanyanya Kushanda Nemari Yako

Kufarira kwakajeka ndeimwe yezvinonyanya kukosha pakuziva mari. Mamwe masvomho anobatanidzwa asi haasi akaoma, uye vaverengi vanogona kukuitira basa kana iwe uchida. Nekunzwisisa kuti kufarira kunoshanda sei , unogona kuita sarudzo dziri nani pane zvemari.

Kufarira Kunyoresa Pfungwa

Kufarira kwakanyanyisa mari iyo iwe unobhadhara pane chikwereti kana mari yaunowana pane mari.

• Paunokwereta mari , unofanira kudzorera mari yawakakwereta uye kuwedzera mari yekutora.

• Paunokweretesa mari (kana kuisa mari muzvikwereti zvinotakura zvinoshandiswa sezvikwereti zvekuchengetedza ), iwe kazhinji unowana mari yekuita mari yako inowanikwa kune vamwe vanhu.

Chido ndechokuti mari yakawedzerwa -iyo mari yakawanda yaunobhadhara kana yaunowana-uye inotarwa zvichienderana nemari yepakutanga yemari (inozivikanwa se "mukuru").

Izwi rokuti "rakanaka" rinoreva kuti uri kushanda nenzira ine nyore yekuverenga kufarira. Kana ukangonzwisisa kuti ungaverenga sei kufarira , iwe unogona kuenderera mberi kune mamwe marudzi, segore rega rega rega ( APY ), gore rega rega rega ( APR ), uye chikwata chechidimbu .

Zviri nyore Kufarira Mutemo

Kuti uverenge kufarira kuri nyore, shandisa iri fomu:

I = P x r x t

Tsanangudzo: Kufarira kwakanyanya (I) kunoverengerwa nokuwedzera Musoro (p) nguva yeKari (r) nguva nguva yenhamba (t) nguva.

Muenzaniso: Iwe unotora $ 100 (mukuru) pa5% yegore yegore gore rimwe chete. Iyo iri nyore kufarira kuverenga ndeyokuti:

1. P x r x t = I
2. $ 100 x 5% x 1 gore = $ 5
3. $ 100 x .05 x 1 year = $ 5

Cherechedza kuti chikwata chekufarira (5%) chakanyorwa sechirevo (.05). Kuti uite zvako iwe kuverenga, iwe uchada kutora mapeji ekudarika . Nzira iri nyore yekuyeuka kuti ndeyekufunga nezvezwi rokuti "percent" se "peji zana." Ipapo iwe unogona kutora chikamu chechikamu chechimiro chayo chechidimbu kuburikidza nekuparadzanisa ne100.

Semuyenzaniso:

5 akaparadzaniswa ne100 = .05

Cherechedza kuti haisi 5% yakaparadzaniswa ne100, inongova 5. Saka:

5/100 = .05

Calculators: Kana iwe usingadi kuita zviyero izvi iwe pachako, unogona kushandisa calculator, spreadsheet, kana kuti Google iite maverengero kwauri. Ingoita zvinyorwa mubhokisi rokutsvaga, hit return, uye iwe uchaona migumisiro. Somuenzaniso, kutsvaga kwe "5/100" kuchaita basa rimwe chete kwauri (mhinduro inofanira kuva .05).

Makore akawanda: Kana chido chakanaka chichatarwa kupfuura anopfuura 1 gore, chengetedza chikwereti chekufarira kushandisa sachigaro kubva mugore rokutanga. Mune mamwe mazwi, usawedzera mutungamiriri gore roga rega, kunze kwekuti iwe uri kushandura kugadzirisa chido panzvimbo yekushamwaridzana nyore.

Zviri Nyore Zvido Zvishoma

Kufarira kwakanyanyisa inzira inokosha yekutarisa chido. Munyika chaiye, kufarira kwako-iwe uri kuripa kana kuigamuchira-kazhinji inotorwa uchishandisa nzira dzakasiyana. Zvisinei, kufarira kunoratidzika ndiko kutanga kwekutanga (uye chivakwa chinokosha chekuvaka), uye chinogona kukupa pfungwa yakawanda yekuti chikwereti chichabhadhara kana chii icho chikwereti chichadzoka.

Sezvo nguva inobatanidzwa inokura kwenguva yakareba (kana uri kutarisana nemakore makumi matatu ekubhadhara mari panzvimbo yebhangi rebhangi reyaka 1, somuenzaniso), nyore kufarira kuverenga kunowedzera kusarurama kudarika kushandisa nzira chaiyo - kushandisa kuwedzera, semuenzaniso.

Ndizvo zvakafanana ne "kuwedzera maitiro." Somuenzaniso, paunokwereta nekadhi rechikwereti, unogona kuverenga kuti unofarira mari yakawanda sei uchishandisa chido chakanaka.

Zvisinei, mazhinji makadhi emakadhi anotsanangura gore rega rega yepamutengo ( APR ), asi kufarira kuripo zuva rega rega. Somugumisiro, iwe uchine chikwereti chakawanda kupfuura iwe unogona kufungidzira kana iwe uchishandisa chido chekuverenga chichiri nyore. Kuti uwane tsanangudzo yakajeka yekuverenga kadhi rechikwereti, tarisa kuti mari yako yebhadharo uye mari yekutora inokanganisa kadhi rako sei .

Chinhu chikuru chinofanira kuchengeta mupfungwa ndechokuti kufarira kusinganzwisisi hakuiti kuwedzererwa munyaya. Kuwedzeredza ndezvekudzokorora kwekuwana (kana kubhadhara) kufarira, kuwedzera kuti kufarira kubhadhara yako huru, nekuwana zvakanyanya kufarira munharaunda inotevera nekuda kweiyo kuwedzera kuenzaniswa.

Zvitsva Zvitsva

Iye zvino zvaunoziva kushandiswa kwemaitiro nyore, iwe unogona kutarisa kune dzimwe dzakaoma zvakawanda zvekufarira.

Vazhinji vavo vari kuchinja kwechido, kana kuti vanodzokorora kuverenga kakawanda muupenyu hwose hwechikwereti.

Tanga nekuzviziva iwe ne APY , iyo inobatanidza kuwedzera.

Unogona kuonawo kuti unofarira mari yakawanda sei uchikwereta mari. Kumhanyira imwe nhamba pachikwereti chako kunogona kukukurudzira kukwereta zvishoma nekudzorera zvikwereti nokukurumidza.

• Ona kuti ungashandisa sei mahwendefa (kufanana neCexcel kana Google Sheets) kuti uverenge zvikwereti.
• Dzidza zvakawanda pamusoro pokubhadhara chikwereti kare .