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Pali matanthauzo awiri amortization. Choyamba ndi kubweza mwadongosolo ngongoleyo pakapita nthawi. Chachiwiri chimagwiritsidwa ntchito pokhudzana ndi zowerengera zamalonda ndipo ndizochitika zofalitsa mtengo wa chinthu cha nthawi yaitali, chokwera mtengo nthawi zambiri. Zonsezi zikufotokozedwa mwatsatanetsatane m'zigawo zotsatirazi.
Wobwereka akatenga ngongole yanyumba, ngongole yagalimoto, kapena ngongole yaumwini, amalipira pamwezi kwa wobwereketsa; Izi ndi zina mwazomwe zimagwiritsidwa ntchito kwambiri pakuchepetsa ndalama. Mbali ina ya malipirowo imakhudza chiwongoladzanja cha ngongoleyo, ndipo zotsalazo zimapita ku kuchepetsa ndalama zomwe munabwereka. Chiwongoladzanja chimawerengedwa pa ndalama zomwe zabwezedwa ndipo, motero, zidzachepetsedwa pang'onopang'ono pamene mkuluyo akuchepa. Mutha kuwona izi mukuchita pa tebulo la amortization.
Mapulani oyambira kubweza ndalama samaganiziranso zolipirira zina, koma izi sizitanthauza kuti obwereketsa sangathe kulipira zambiri pa ngongole zawo. Kuphatikiza apo, mapulani obweza ndalama nthawi zambiri samaganizira za ma komisheni. Mapulani obweza ngongole amangogwira ntchito pangongole zokhazikika osati kubwereketsa nyumba, ngongole zosinthika, kapena mizere yangongole.
Tax Amortization Calculator
Amortization ndi mawu omwe mwina mwawamvapo kangapo, koma ndizovuta kufotokoza. Powonjezera kusokoneza zinthu, ili ndi matanthauzo angapo pankhani yazachuma. Komabe, ndikofunikira kumvetsetsa momwe kuchepa kwamtengo kumakhudzira misonkho yabizinesi yanu kuti muthe kugwiritsa ntchito mwayi wochotsera ndalama. Kuphunzira za kuchepa kwa mtengo kungakuthandizeni kuzindikira zochotsera zomwe simukuzidziwa, kotero mwini bizinesi aliyense ayenera kumvetsetsa zoyambira. Ndiye kodi amortization ndi chiyani?
Mwezi uliwonse, malipiro anu a ngongole amapita ku chiwongoladzanja ndi chiwongoladzanja. Poyamba, gawo lachiwongoladzanja ndi lalikulu kwambiri kuposa wamkulu. Komabe, pakapita nthawi izi zimasinthidwa ndipo wamkulu amayamba kupanga zochuluka zamalipiro. Ngongole zambiri zimakhala ndi ndandanda yazaka 30 zobweza ngongole. Komabe, ngongole zanyumba zazifupi zimalola obwereka kulipira ngongole zawo mwachangu.
Kulipira ngongole zamagalimoto kumaphatikizanso chiwongola dzanja ndi principal. Ngongole zambiri zamagalimoto zimakhala ndi miyezi 36 mpaka 60. Chiwongola dzanja ndi ndalama zikalipidwa, galimotoyo imakhala yanu ndipo ngongoleyo idzabwezeredwa.
Kutsika mtengo vs
Amortization ndi mawu omwe mwina mwawamvapo kangapo, koma ndizovuta kufotokoza. Powonjezera kusokoneza zinthu, ili ndi matanthauzo angapo pankhani yazachuma. Komabe, ndikofunikira kumvetsetsa momwe kuchepa kwamtengo kumakhudzira misonkho yabizinesi yanu kuti muthe kugwiritsa ntchito mwayi wochotsera ndalama. Kuphunzira za kuchepa kwa mtengo kungakuthandizeni kuzindikira zochotsera zomwe simukuzidziwa, kotero mwini bizinesi aliyense ayenera kumvetsetsa zoyambira. Ndiye kodi amortization ndi chiyani?
Mwezi uliwonse, malipiro anu a ngongole amapita ku chiwongoladzanja ndi chiwongoladzanja. Poyamba, gawo lachiwongoladzanja ndi lalikulu kwambiri kuposa wamkulu. Komabe, pakapita nthawi izi zimasinthidwa ndipo wamkulu amayamba kupanga zochuluka zamalipiro. Ngongole zambiri zimakhala ndi ndandanda yazaka 30 zobweza ngongole. Komabe, ngongole zanyumba zazifupi zimalola obwereka kulipira ngongole zawo mwachangu.
Kulipira ngongole zamagalimoto kumaphatikizanso chiwongola dzanja ndi principal. Ngongole zambiri zamagalimoto zimakhala ndi miyezi 36 mpaka 60. Chiwongola dzanja ndi ndalama zikalipidwa, galimotoyo imakhala yanu ndipo ngongoleyo idzabwezeredwa.
Tanthauzo la amortization
Kubweza ngongole ndi njira yokonzera ngongole yokhazikika kukhala malipiro ofanana. Gawo la gawo lililonse limakhudza chiwongola dzanja ndipo zotsalazo zimapita kwa wamkulu wa ngongoleyo. Njira yosavuta yowerengera ndalama zobweza ngongole ndikugwiritsa ntchito chowerengera chobwereketsa ngongole kapena template ya tebulo. Komabe, mutha kuwerengera ndalama zocheperako ndi dzanja pogwiritsa ntchito ndalama zomwe mwabwereketsa, chiwongola dzanja, komanso nthawi yangongole.
Obwereketsa amagwiritsa ntchito matebulo obweza ngongole kuti awerengere zomwe zalipidwa pamwezi komanso kufotokoza mwachidule za kubweza ngongole kwa obwereketsa. Komabe, ndondomeko za kubweza ngongole zimalolanso obwereketsa kudziŵa kuchuluka kwa ngongole imene angakwanitse, kudziŵa mmene angapulumutsire mwa kubweza ndalama zina, ndi kuŵerengera chiwongola dzanja chonse chapachaka kaamba ka msonkho.
Ngongole ya amortized ndi njira yandalama yomwe imabwezeredwa pakapita nthawi. Mumtundu wa amortization wamtundu uwu, wobwereka amapereka malipiro omwewo panthawi yonse ya ngongole, kugawa gawo loyamba la malipiro ku chiwongoladzanja ndi zina zonse kwa wotsogolera wamkulu wa ngongoleyo. Pamalipiro aliwonse, gawo lalikulu limaperekedwa ku likulu ndipo gawo laling'ono ku chiwongola dzanja mpaka ngongoleyo italipidwa.
