Vollarmortisation

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964

Chii chakakwana armort?

Kana iwe uchida mari yekugadzirisa sechibvumirano chekubhadhara, iwe uchazozivawo dzimwe nyaya dzinokosha. Iwe unogona kunge wakatozadzisa chibvumirano chakadaro, uye kana wakanyatsosesa zvikwereti zvekubhadhara uye wakashandisa motokari yakasungwa muimba yako, izwi rinowirirana ndiro rekugadzirisa zvizere. Hasi chete mari yebhajiro inofanirwa kubhadharwa, asi mutengo wakakwana wekutenga unosangana kuburikidza nematengo ekubhajisa. Izvo zviyero zvakakosha zvakanyanya kuti iwe usvike pamba uye rudzi urwu rwekubhadhara runowanzoonekwa, asi muzviitiko zvakawanda kungosarudzwa kweruzhinji kunobvumirana.

Kubhadhara kuburikidza nehurumende yega yega

Kubhadhara mari iye zvino ndiyo imwe nzira yokugadzira mari. Muchiitiko chekubhadhara, nzvimbo yacho inoramba ichitanga nechechi. Zvisinei, nekutsika kwechikwereti chekutenga chikwereti uye zvikwereti zvevatengi, kubhadhara mari yega pachake hakufaniri kushandiswa sechinhu chakasiyana chekubhadhara mari. Kubhadhara nguva dzose kune imwe nzira yakasiyana-siyana yekubhadhara mari, nokuti mitero-inoshandiswa zvinhu zvinokoshawo kune kontrakiti. Kubhadhara mari inogona kubhadhara mutero mune imwe mamiriro ezvinhu kana iwe uri kuita bhizinesi uye uri kubhadhara motokari kana chinhu chacho. Munyaya yekusarura kusarura, maitiro evhesi yekubhadhara, chikamu chega chega choga chinotamirwa kumunhu wacho. Muzviitiko zvizhinji, pamagumo emvumo yakabvumirana, chinhu chacho chinopiwa kune vaduku, kana mubvunzo unogadziriswa uye unova muridzi. Iwe unogona kuwana hupfumi hwemhando iyi nhasi, asi zvikwereti zvemotokari zvakakwana kana zvikwereti zvevatengi hazvina mari zvokuti kubhadhara pamberi kune mari shoma shoma inobhadhara mari. Iwe semutengi kazhinji hauzoni kuona musiyano. Iwe uchawanawo chiyero chinowanikwa pakuzara kwemari uye unongoda kutenga kana kutenga chinhu.

Kunyatsogadziriswa kwakakwana pfungwa yekushandira

Pasinei nokuti iwe unosarudza kubhadhara mari kana chikwereti chikwereti nguva dzose mubvunzo wekodzero yako yekwere kana kuti kururamiswa kwezvemari. Iyo yekodhi inoziva iyo izwi rakakwana rekugadzirisa semari yekupedzisira kubhadhara mutengo. Pano pamagumo ekubhajisa, chaizvoizvo chikwereti chikwereti, mari yekupedzisira inobhadharwa uye mari yekutenga inosvika. Chero bedzi zvikwereti zvaive nezvikwereti zvakange zvakanyanyisa kubhadhara zvikwereti, zvibvumirano zvebhajiro ndiyo nzira yakakurumbira yekubhadhara. Iwe zvino unoda kuziva kuti ndeapi maitiro e amortization ichiripo. Izwi rokuti "amortizing" zvichida rave ratozivikanwa kwauri uye pano nguva dzose zvakare kunzwa kunobatanidza neshoko. Munyaya yekugadzirisa zvizere, hutano hwezvemari hunofanira kuzadzikiswa uye hutsika huzere hunozadzisa huwandu huno pamusoro pemari yekupedzisira, iyo haifaniri kunge yakabvumirana kutanga kwekambani. Nzira dzechikwereti ndezvekuti, zvakare, dzinozivikanwawo sekupedzisira kwehuwandu, uye kana kubhadhara zvizere kuri kushandiswa, chiyero chekubhadhara hachina kushandiswa uye chinoshandiswa nekavharo yekupedzisira yekuvhara. Mibvunzo inomuka mumamiriro ezvinhu ekugadzirisa zvakakwana ndeyekuti, nyaya yekubhadhara ichiri kukosha-iyo iwe unobhadhara semari yekupedzisira. Kunyanya kukoshesa kudyidzana kwakazara uye chinhu ichocho chinofanira kubhadhara chaiyo chaiyo. Kubudirira kwekusarudzwa kwekusungirwa kwakazara kunofanira kuonekwa nehuwandu hwekuverenga. Iwe haufaniri kuchengetedza pamutengo wekupedzisira kuitira kuti iwe unogona pakupedzisira kubhadhara mutengo wokupedzisira. Munyaya yekugadzirisa zvizere, iwe uchabhadhara mitero yakakwirira, iyo inosanganisira izvi nekubhadhara ikozvino. Muchiverengero chekugadzirisa zvizere uye zvikamu zvinowirirana pakubhadhara, kubhadhara mari kunosanganiswa muhuwandu. Chero zvazvingava, muduku wacho anoita bhizimisi rakanaka rebhizimisi panguva yakakwana yekugadzirisa matanho.

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