Sebenzisa le Ratio yeMali yeBhanki kwiNtsapho Yakho
Amabhanki asebenzisa ii-Asset Receiving to Total Ratio Ratio ukunciphisa ipesenteji ye-balance sheet esebenza ukuvelisa imali. Yonke into elinganayo, umahluko phakathi kweentsapho ezizityebi nezihluphekileyo yipesenti, kunye nemali, yokufumana ixabiso malunga nexabiso elingenalo i-assets.
Ukuchaza ii-Asset Receiving and As-Earning Assets
Okokuqala, kufuneka sichaze imimiselo xa ungazange uhlangane nabo kwixesha elidlulileyo.
- Ukufumana ii-Asset nantoni na eyenza ngokukodwa imali engenayo, njengemasheya ehlawula iindleko, iibhanki ezihlawula umdla , izakhiwo zezindlu ezivelisa iireti, ilungelo lobunikazi kunye namalungelo obungelo lobunikazi obuzisa iimali zokuthengisa ilayisenisi kunye nomatshini okuvumela ukuba uvelise iimpahla ezithengiswa ngenzuzo .
- Impahla engeyiyo yokufumana nayiphi na into engenzi umvuzo kumnini. Imoto ngumzekelo wexabiso elingenalo imali kuba lichitha imali ebomini bakho, kunokuba livelise, ngaphandle kokuba unayo inkonzo yokuhambisa, inkampani yokuthengisa, okanye iteksi yorhwebo.
Indlela yokubala ii-Asset Receiving to Total Ratio Ratio
Ukubala i-asethi yokufumana ixabiso lemali yexabiso, kufuneka usebenzise ifom elandelayo:
(Ukuqala ukufumana iiAfa zeNyaka + eziPheleleyo zokuFumana iiAfa zonyaka) ÷ 2
-------------- ihlukaniswe ngu --------------
(Ukuqala kweeMpahla eziNyaka zoMnyaka + Ukuphela kweeMpahla eziNyaka zoMnyaka) ÷ 2
Umzekeliso unokukunceda ukwenza ingqiqo yamanani ukuba sele kuphelile ukususela ekubeni usuqalile i-calculator yakho. Khawucinge ngomfana ogama linguLance. Uthanda ukutshala imali yakhe ukuvelisa imali engenayo . Ngelixa ethanda ukusebenza, imbono yokuqokelela izabelo, inzala, kunye neenkontileka ngowolunye uvuyo olukhulu ebomini bakhe; imali ayinayo ukuthengisa ixesha lakhe lokuqokelela, njengoko wenzayo xa efumana imali yokuhlawula. Uqala unyaka nge-$ 100,000 kwizibophelelo, i-$ 250,000 kwii-stocks, i-$ 250,000 kwipropati yokuqashisa, i-$ 50,000 kwiimoto, i-$ 300,000 kwindawo yokuhlala, kunye ne-$ 75,000 kwezinye, izinto eziphathekayo ezifana nefenitshala nezambatho. Ngethuba lonyaka, uyasindisa i-$ 80,000 kwaye uyifake yonke imali kwiimpahla ezongezelelweyo, ukuzisa inani elitsha kwi $ 330,000.
Sifanele siqale ngokuhlula i-asethi yokufumana imali kwi-asethi engenayo imali ekuqaleni konyaka:
- Unyaka Wokuqalisa Ukufumana ii-asethi = $ 600,000 (i-$ 100,000 iibhondi + ezingama-250,000 zama-stocks + i-$ 250,000 ipropati yokuqeshisa)
- Unyaka wokuqala Ixabiso lemali = i-$ 1,025,000 (i-$ 100,000 iibhonksi + ezingama-250,000 zama-stocks + $ 250,000 ipropati yokuqeshisa + i-$ 50,000 iimoto, i-$ 300,000 yokuhlala, i-$ 75,000 enye)
Ngoku, kufuneka sibalwe manani afanayo ekupheleni konyaka:
- Unyaka ophelileyo Ukufumana ii-asethi = $ 680,000 (i-$ 100,000 iibhondi + ezingama-330,000 iisitokthi + ezingama-250,000 zepropati eziqashisayo)
- Unyaka ophelayo Iimpahla ezipheleleyo = i-1,105,000 yezigidi ($ 100,000 bonds + $ 330,000 esitokisini + $ 250,000 impahla yokurenta + i-$ 50,000 iimoto, i-$ 300,000 yokuhlala, i-$ 75,000 enye)
Ngoku sinokuzifaka kwifomula ukufumana i-asethi yokufumana ixabiso lomyinge wexabiso:
Inyathelo lokuqala:
($ 600,000 + $ 680,000) ÷ 2
--------- ihlukaniswe ngu- ---------
($ 1,025,000 + $ 1,105,000) ÷ 2
Inyathelo lesibini:
($ 1,280,000) ÷ 2
--------- ihlukaniswe ngu- ---------
(I-$ 2,130,000) ÷ 2
Inyathelo lesithathu:
$ 640,000
--------- ihlukaniswe ngu- ---------
$ 1,065,000
Isinyathelo sesine:
= 0.60, okanye 60%
Oku kusitshela ukuba i-60% yeempahla kwi-balance sheet yaseLance, okanye i $ 0.60 kuzo zonke i $ 1.00 ezibambayo, iyimzuzela imali. Ngokwenene ngokwenene, loo ntlawulo iphantsi isebenza iiyure ezingama-24 ngosuku, iintsuku ezi-7 ngeveki, iintsuku ezingama-365 ngonyaka egameni lakhe.
Uninzi lwabantu abaphelile ababutyebi bahlala bedala okanye bafumana ii-Assets
Enye yezinto ezinomdla ezithandekayo zezoqoqosho eziziphindaphinda ngezihlandlo zokuziphatha ezibangela ukuba iintsapho ezithile ziphelise.
Iinjineli, umzekelo, ngokugqibeleleyo ziphelela ngokubaluleka kwemali eyi-1 yeeRandi ezili-1 ngomvuzo kunezinye ezininzi izithuba. Oko kukuthi, konke okulinganayo, ukuba unjineli wenza i-150,000 i-year ngonyaka kunye noprofesa wekholeji wenza i-$ 150,000 ngonyaka, unjineli uza kugqiba ngezigidi zeedola ngobuncwane obongezelelweyo ekupheleni kokuphila kwakhe.
Amanye amaqela asemfudumeni abonisa ukutyekela okufanayo ukugcina iindleko eziphantsi kunye nokufumana ifa. Abantu baseMorea baseMorea beza kwengqondo njengengcali eyodwa yezemfundo kwintsimi, uDkt. Thomas J. Stanley, efunyenwe kuphando lwakhe babengama-3x ukuba banokufumana imali engenamathandathu kunye namaxesha amaninzi amathuba okuba yi-million. Ngoba? Ukucacisa, ngelixa abanye beboleka kwi-hilt ukuba bafumane indlu engcono kwi-sub-development entsha, babezithengela ikhaya elincinci nakwiindawo ezikudala kunye nokubeka umlinganiselo kwimali yenkcazo . Nangona abanye beboleka imali ukuba bathenge i-car emitsha enomlilo ngaphandle kweqashiso, baxoxisana ngemodeli eneminyaka elilodwa ukusuka kwinkampani yokuqeshisa, ukuhlawula ipesenti ezingamashumi amahlanu kwintengiso ye-sticker, ukutshala imali abayigcine kwiindawo zokuqeshisa okanye amashishini amancinci. Ukugxininiswa kwekcubeko ekufunyaneni utyalo-mali, i-dollar ye-dollar, ngaphezu kweminyaka, umtyalo-mali waseMorea waseMorea ukhululeke kakhulu kunokuba abalingani bakhe bakhe iqela elikhulu, bafumane ukuzimela ngaphandle kwexhala. Njengoko iminyaka idlulayo, nje ngeenjineli, ipesenteji enkulu kunye neyona nkulu kakhulu yephepha lokulinganisela kwentsapho lenziwe yimpahla.
Xa ubulumko ukwenza le ndlela ebomini bakho, kunokukunceda wenze izigqibo ezingcono ngemali yakho; izigqibo ezinokubonakala zincinci ngelo xesha, kodwa ngenxa yamandla okuhlanganiswa , ekugqibeleni likhulu kunamashumi eminyaka. Imoto esetyenzisiweyo kwasekuqaleni ebomini ibonisa ukuba umehluko phakathi kweFoeyi kunye neBentley kamva ebomini, xa ukufaneleka kwakho kwemveliso kukuvelisa ngokwaneleyo ukulahla ubutyebi obuninzi obuninzi ngonyaka.