Amortization purogiramu
Ichi chinyorwa chakanyorwa naJill Newman, CPA. Jill Newman is Certified Public Accountant (CPA) muOhio ane anopfuura makore makumi maviri eruzivo rwe accounting. Ane ruzivo rweakaunzi mumafemu eakaunzi yevoruzhinji, masangano asiri kuita purofiti uye masangano edzidzo, uye akakudza hunyanzvi hwake hwekutaurirana kuburikidza nedhigirii remasters muchiRungu, mabasa ekunyora uye semudzidzisi. Akawana dhigirii rake reCPA kubva kuOhio Board of Accountancy muna 20 uye ane dhigirii reBachelor muBusiness Administration/Accounting.
Amortization inoreva kudzikiswa kwechikwereti nekufamba kwenguva nekubhadhara mari yakafanana panguva yega yega, kazhinji pamwedzi. Ne amortization, mari yekubhadhara inosanganisira kubhadhara kwemukuru uye mubereko pane chikwereti. Mukuru wechikoro ndicho chisara chechikwereti chichiri kusara. Sezvo mukuru mukuru achibhadharwa, mubereko mushoma unofanirwa kubhadharwa pamari yekutanga. Nokufamba kwenguva, chikamu chemubereko chemari yemwedzi wega wega chinodzikira uye chikamu chikuru chekubhadhara chinowedzera. Amortization inonyanya kuwanda kune ruzhinji rwevanhu kana zvasvika pachikwereti chemba kana zvikwereti zvemotokari, asi (mu accounting) inogona zvakare kureva kudzikiswa kweperiodic mukukosha kwechero chinhu chisingabatike nekufamba kwenguva.
Meaning of amortization
Justin Pritchard, CFP, inyanzvi yekubhadhara uye nyanzvi yezvemari. Inovhara kubhengi, zvikwereti, mari, zvikwereti uye zvimwe zvakawanda zveThe Balance. Ane MBA kubva kuYunivhesiti yeColorado uye akashandira masangano ezvikwereti uye mafemu makuru emari, pamwe nekunyora nezvemari yemunhu kweanopfuura makore makumi maviri.
Cierra Murry inyanzvi mumabhangi, makadhi echikwereti, mari, zvikwereti, zvikwereti zvemba uye zvivakwa. Iye mupi wezano webhangi, mumiriri wekusaina chikwereti uye mutongi gava ane makore anopfuura gumi nemashanu eruzivo mukuongorora zvemari, kunyora pasi, zvinyorwa zvechikwereti, kuongororwa kwechikwereti, kutevedzera kubhengi uye manejimendi enjodzi yechikwereti.
Amortization ndiyo mashandisirwo emari yechikwereti kune mamwe marudzi ezvikwereti. Kazhinji, mubhadharo wepamwedzi unoramba wakafanana uye unopatsanurwa pakati pemitengo yemumba (inotambirwa nemukweretesi pachikwereti), kudzikiswa kwesara rechikwereti (inozivikanwawo se "mubhadharo mukuru wechikwereti"), uye zvimwe zvinodhura. semitero yenzvimbo. .
Mari yekupedzisira yechikwereti ichabhadhara chikamu chekupedzisira chasara chechikwereti. Semuenzaniso, mushure memakore makumi matatu chaiwo (kana mazana matatu nemakumi matanhatu ekubhadhara pamwedzi), iwe unozobhadhara makore makumi matatu ekubhadhara chikwereti. Amortization matafura anokubatsira kuti unzwisise kuti chikwereti chinoshanda sei uye chinogona kukubatsira kufanotaura chiyero chako chausina kusara nacho kana mutengo wemhindu chero nguva mune ramangwana.
Amortization Muenzaniso Matambudziko ane Solution
Pfungwa yekutanga yemortgage amortization iri nyore: Iwe unotanga nechikwereti chemari woidzorera muzvikamu zvakaenzana nekufamba kwenguva. Asi kana iwe ukanyatsotarisa kubhadhara kwega kwega, uchaona kuti iwe unobhadhara mukuru uye chikwereti pane chikwereti pane imwe chiyero.
"Kubhadhara zvikwereti inzira yekuverenga mari inobhadhara mari yechikwereti," anotsanangura kudaro Robert Johnson, purofesa wezvemari paCreighton University's Heider School of Business.
Kana iwe uine chiyero chechikwereti chemutengi, sevaridzi vemba vazhinji, mari yako yemwedzi nemwedzi yemortgage inogara yakafanana. Asi kuparara kwemubhadharo wega wega - imarii inoenda kune mukuru wechikwereti maringe nemubereko - inoshanduka nekufamba kwenguva.
Shanduko iyi (kubva pamari yakawanda kuenda kumukuru wechikoro) inongokanganisa magadzirirwo emari yako yemwedzi wega wega. Kana uine mari yekubhadhara mari yakatarwa, mari yaunobhadhara mwedzi wega wega kune mukuru uye mhindu inoramba yakafanana.
Kuparara kwemubhadharo kwakakosha nekuti kunotaridza kuti kukurumidza kwemba kunowedzera sei. Zvakare, kukosha kwemari kunokanganisa kugona kwako kugadzirisa, kubhadhara imba yako nekukurumidza, kana kukwereta nechikwereti chechipiri.
Amortization chirongwa muenzaniso
Ichi chinyorwa chakanyorwa naJill Newman, CPA. Jill Newman is Certified Public Accountant (CPA) muOhio ane anopfuura makore makumi maviri eruzivo rwe accounting. Ane ruzivo rwekushanda seakaunzi mumafemu eakaunzi yeruzhinji, masangano asingabatsiri, uye masangano edzidzo, uye akakwenenzvera hunyanzvi hwake hwekutaurirana kuburikidza nedhigirii remasters muchiRungu, mabasa ekunyora, nekudzidzisa. Akawana dhigirii rake reCPA kubva kuOhio Board of Accountancy muna 20 uye ane dhigirii reBachelor muBusiness Administration/Accounting.
Amortization inoreva kudzikiswa kwechikwereti nekufamba kwenguva nekubhadhara mari yakafanana panguva yega yega, kazhinji pamwedzi. Ne amortization, mari yekubhadhara inosanganisira kubhadhara kwemukuru uye mubereko pane chikwereti. Mukuru wechikoro ndicho chisara chechikwereti chichiri kusara. Sezvo mukuru mukuru achibhadharwa, mubereko mushoma unofanirwa kubhadharwa pamari yekutanga. Nokufamba kwenguva, chikamu chemubereko chemari yemwedzi wega wega chinodzikira uye chikamu chikuru chekubhadhara chinowedzera. Amortization inonyanya kuwanda kune ruzhinji rwevanhu kana zvasvika pachikwereti chemba kana zvikwereti zvemotokari, asi (mu accounting) inogona zvakare kureva kudzikiswa kweperiodic mukukosha kwechero chinhu chisingabatike nekufamba kwenguva.
