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CHi khel kunem, ki az amonat foidai ziyodtarinro girem?

Baroi giriftani foidai ziyodtarin yakchand omilho tasir merasonand. Pesh az hama bozorro omukhtan lozim, ki kadom tashkiloti moliyavi foizi balandtarinro az rui amonatho peshkash mekunad.

fozi-amonatBonk: Odatan foizi balandtarinro bonke peshnihod menamoyad, ki ehtiyoj ba zakhirahoi puli ehtiyoj dorad, ki in manoi onro dorad ki vay tashnai pul astu va vaziyati puliash chandon khub nest. YAne chi qadare, ki bonk ba zakhirahoi pulii digaron ehtiyoj doshta bashad, hamon qadar khavfi u ziyod ast. Baroi hamin ham shakhsone, ki havasi foizi ziyod dorand, fireftai khavfi balandtarin shudanro dar aksari holatho dorand.

Asor: Digar omile, ki ba baland shudani daromadnokii amontaho tasir merasonad in asori amonat ast. Odatan foizi asori milli nisbati foizi asori khoriji ziyodtar ast.  Masalan mutobiqi omori Bonki milii Tojikiston foizi amonatho dar Tojikiston soli 2017 bo asori milli ba 15%-i solona va bo asori khoriji, ki asosan dollarro dar bar megirad ba 5,5%-i solona barobar ast.

Muhlat: Inchunin ba arzishi amonat muhlati nigahdorii on tasir merasonad. Odatan chi qadare, ki muhlati amonat daroz boshad hamon qadar foizash baland ast. Lek bazan vaqt holathoe vomekhurand, ki agar muhlati amonat nihoyat daroz boshad hamon qadar foizash past meshavad (odatan amonathoi ziyod az 3-solaro taaluq dorad).

Hajm:  Ba baland budani foizi amonat inchunin hajmi mabalagi amonat tasir merasonad. CHiqadare, ki mablagi amonat kalon boshad hamon qadar foizash baland meshavad.

Zamkuni: Bazan vaqt bonkho ba mizojonash peshnihod mekunand, ki foizi amonatro dar okhiri muhlati amonat – pasandoz hisob kunand va baroi in onho andakak foizi amonatro baland mekunand. Albata in amali jalbkunanda ast baroi odamon vale aslan in amalro bonkho bo maqsadi kam kardani kharojotho az boloi amonathoro meandeshand.

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Инчунин кобед

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Tekhnika dar nimai duyumi asri XIX — avvali asri XX

Dar IMA solhoi 60-70-um dar korkardi gusht, ordkunii galla va madanistehsolkuni konveyer istifoda burda shud. …