How kuverenga yechimbadzo chikwereti: yacho fomura. The kukarukureta kufarira pamusoro chikwereti: Example

Mumwe vakatarisana dambudziko kushaya mari kutenga imba midziyo yemagetsi kana fenicha. Vakawanda kukwereta kubhadhara. Vamwe havadi kuenda neshamwari kana hama nezvinetso zvavo zvemari, uye pakarepo kutaura kubhengi. Kunyanya kuti anopa zhinji zvirongwa chikwereti inokubvumirai kugadzirisa dambudziko kutenga zvinhu zvinodhura zvakanaka mashoko.

Chii chikwereti?

ino zvoupfumi ukama, kupa kuchinjwa pfuma kubva mumwe muridzi chimwe kwenguva pfupi kushandiswa pasi chaiwo ezvinhu. Kana mabhanga kukosha ichi ndiyo mari. Man inoda imwe mari Economist inofungidzira kuti creditworthiness pakati mutengi uye kuita chisarudzo. Kana zvinhu zvose zvose zvakanaka, akapa mari inodiwa kuti yamunenge kumwedzi. Nemhaka iyi yeGmail.END_STRONG unoripa kubhengi mubereko.

Kwete mari yakakwana kutenga zvinhu kana vanoda mari? Zvinofanira kutora chikwereti. The pasi chikamu nguva dzose chinokwezva vatengi. Saka, vakawanda mari zvikoro zvinopa makadhi uye zvikwereti mari iri zvakanaka mashoko. A yemaitiro (kukarukureta kufarira pamusoro chikwereti) zvichakubatsira kunzwisisa sei kubhengi vachafanira kuripira basa.

overpayment

Kana Bank chikwereti sechinhu chinokosha mari chiito. Nokuti Zvokudya mutengi mabasa anofanira kuripa muripo weUS kupfungwa zvemari. Kuti tinzwisise kuti huwandu ari overpayment, vanofanira kunzwisisa zvinotevera pfungwa:

• mumutumbi chikwereti;
• Commission;
• wegore chimbadzo.

It ane ukoshi kwegadziriro pamari yezvikwereti iri kubhadharwa uye chikwereti izwi. Izvi ichakurukurwa pazasi.

Chii muviri chikwereti?

Mari kuti murume wakatora chikwereti kubva pamahombekombe, ndiwo muviri chikwereti. Sezvo imi kuti mari, mari iyi ipfupi. Ndicho muviri chikwereti dzakava kufarira uye, kakawanda ari Commission.

Funga muenzaniso. The yeGmail.END_STRONG rakapa chikwereti chibvumirano musi May 1 ari uwandu 20 000 rubles. Kwapera mwedzi, akaita shoma kuripwa rubles 2,000. Of mari iyi kuti kubhadhara yechimbadzo chikwereti zvakatora 500 rubles, 1,500 rubles - abhadhare muviri. Saka yakaderera kusvika 18 500 rubles sezvo yaJune 1 mumutumbi chikwereti. Mune ramangwana, zvose kufarira zvichabviswa mhosva chaizvo kuti chitsama.

komisheni

The chikamu muzana kuti mutengi unoripa kubhengi pamusoro ari chimbadzo, ndiyo Commission. Akasiyana zvemari masangano anogona kupa yakasiyana chikwereti mazwi. The Commission angachajwa zvose pamusoro muviri chikwereti uye uwandu kuti mutengi anga rakumbirwa pakutanga. Munguva ichangopfuura, mabhanga mazhinji waive makomisheni zvachose uye akaisa chete wegore chimbadzo.

Funga muenzaniso womumwe wakaiswa basa 0.5%. The yeGmail.END_STRONG akatora chikwereti ari uwandu 10 000 rubles. Monthly muripo vachaumba 50 rubles. Formula (kukarukureta kuti chikwereti mubereko) riri sezvinotevera: 10 000: 100 X 0.5.

Kana basa iri usatsungirira, zviri kupomerwa pamusoro yasara chikwereti (mutumbi chikwereti). Akadaro musimboti zvinonyanya zvakanaka kuti mutengi, sezvo uwandu mubereko anogara kudzikira. Kazhinji, basa iri mhosva pakuenzanisa chikwereti sezvo wekupedzisira basa romwedzi. Ndiko, kana mutengi akaripira zvakakwana pamusoro 28th rokupedzisira chikawira pamusoro yechi30, aisafanira kuripa basa.

Annual chikamu muzana zvazvingava

Pasina murayiro pamusoro chikwereti chibvumirano wegore chimbadzo achava hwaro dzemaitirwe yacho overpayment. The chikamu muzana anogara dzaona pamusoro chikwereti vasara. The nokukurumidza kuti yeGmail.END_STRONG vachapa mbiri, kashoma zvichaita kuti overpay.

Chii chikamu chikwereti chacho kunosanganisirei? mabhanga siyana kupa mazwi avo. Zvinokwanisika kutora mari pamwero 12% 25%. Next achange kurondedzerwa sei dzemaitirwe kuti chikwereti mubereko (fomura). Muenzaniso: A yeGmail.END_STRONG akatora chikwereti ari uwandu 10 000 rubles. Annual kondirakiti mwero iri 15%. Pazuva mutengi Acharipa 0,041% (15: 365). Saka, nomwedzi wokutanga vachava kubhadhara chitsama kufarira uwandu 123 rubles.

10 000 100 X 0,041 = 4 rubles 10 kopecks - chitsama overpayment pazuva.

4.1 X 30 = 123 rubles / mwedzi. (Kunopiwa kuti mazuva 30 ari mwedzi).

Funga zvakare. The yeGmail.END_STRONG akaita muripo 500 rubles okutanga. pasi chibvumirano hapana basa. 123 rubles richaperera mhindu, 377 rubles - chemhosva muviri. Zvakasara chikwereti achava 9623 rubles (10 000 - 377). Ichi ndicho muviri chikwereti, iro vacharamba -bereka mubereko.

nokukurumidza sei ngaaverenge overpayment pamusoro chikwereti?

Munhu kure nemauto zvemari, zvakaoma kuitisa chero Masvomhu. mabhanga mazhinji kupa vatengi chikwereti karukureta unokubvumira nokukurumidza ngaaverenge overpayment pedyo kondirakiti. All unofanira kuita kupinda pamusoro Website masangano chitsama chikwereti uye projected nguva gore negore kubva muzana unodiwa. Mushure masekondi mashoma vachakwanisa kudzidza chitsama overpayment.

Chikwereti Calculator - mubatsiri chishandiso nehasha kuverenga chitsama yekuita overpayment. Izvi havana kuchireva. overpayment chitsama kunoenderana chitsama mari kuti achaita mutengi uyewo chikwereti nokuripira nguva.

Ndezvipi hurongwa mutsividzo pamusoro chikwereti?

Pane vaviri zvokusarudza kuti achauya nematsive. Classic anopa mubayiro imwe chikamu chikwereti uye chimbadzo. Muenzaniso: The yeGmail.END_STRONG asarudza kutora chikwereti kwegore mu uwandu 5,000 rubles. Pasi mashoko, mwero pagore ndiyo 15%. Monthly achafanira kubhadhara chikwereti ari uwandu muviri 417 rubles (5000: 12). Formula (kukarukureta kufarira pamusoro chikwereti) taitsvaka seizvi:

5000: 100 X 0.041 = 2 rubles 05 kopecks - chitsama overpayment pazuva.

2,05 X 30 = 61 rubles 50 kopecks (inopiwa kuti mumwedzi mazuva 30) - chitsama overpayment pamwedzi.

417 + 61.5 = 478 rubles 50 kopecks - the fanira pasipasi muripo.

Munguva dzekare hurongwa mutsividzo pamwedzi chitsama vachibhadhara zvinoderedza sezvo mubereko mhosva pakuenzanisa chikwereti.

Pagore Negore kubhadhara maitiro anopa chikwereti zvienzane Yakabudiswa. Pakutanga akaratidza ngadzirambe chitsama shoma muripo. Maererano dzakawanda mari sechikwereti mari anoenda kubhadhara chikwereti, sezvo mubereko overpayment ipfupi.

Funga muenzaniso. The yeGmail.END_STRONG vakasarudza kutora chikwereti kwemakore 10 ari uwandu 100 000 rubles. zvazvingava The pagore 12%. Overpayment 0,033% pazuva (12: 365). Formula (kukarukureta kufarira pamusoro chikwereti) taitsvaka seizvi:

100 000: 100 X 0.033 = 33 rubles - chitsama overpayment pazuva.

33 X 30 = 990 rubles - chitsama overpayment pamwedzi.

Shoma muripo anogona kuiswa munzvimbo uwandu rubles 2,000. Mumwedzi wokutanga pazuva chemhosva ari chikwereti achapinda 1100 rubles, ipapo mari ichi uchaderedzwa.

zvirango

Kana mubhengi mutengi anokundikana kusangana ayo chikwereti mitoro, tsika zvemari anekodzero kubhadharisa chirango. Conditions inofanira zvinorondedzerwa kondirakiti. Mutongo anogona kupiwa kana sezvo bundu Nemutengo kana muchimiro mubereko prices. Kana chibvumirano waiti marangirwo mu uwandu $ 100, Somuenzaniso, kuwanda rinotevera shoma muripo zvichabviswa dzaona hakuna kuoma. Zvinokosha chete kuwedzera $ 100.

More yakaoma zvinhu, kana Zvirango vari paakavapa muchimiro mubereko prices. Kazhinji, dzemaitirwe kunoitika pahwaro hunonyanya mari kuti imwe nguva. Somuenzaniso, kuti nemhosva aifanira kuita pamberi May 5 zvishoma kubhadhara 500 rubles, asi havana. Maererano chibvumirano, mutongo uri 5% hunonyanya uwandu. Kukarukureta inotevera muripo chichaitwa sezvinotevera:

500: 100 X 5 = 25 rubles - chitsama akanaka.

Kusvikira June 5 vatengi vanofanira kuita 1025 rubles (mbiri shoma kubhadhara 500 rubles uye 25 rubles akanaka).

To muchidimbu

Vakazvimiririra ngaaverenge yechimbadzo chikwereti iri nyore. Mumwe chete anofanira ukanyatsoongorora zvemupiro chibvumirano uye kushandisa Masvomhu pamusoro apa. Aivabatsira basa chaiye chikwereti macalculator, izvo akapa pamusoro pamutemo Websites mari masangano. Zvinokosha kuyeuka kuti yakabereka chete INDICATIVE kukarukureta. The chaiyo inogona siyana zvichienderana zvinhu zvakawanda zvakadai mbiri nguva, mari vachibhadhara, uye zvichingodaro. The duku chikwereti rokuti D., muduku uye overpayment.