Waa maxay xaraf oo xiiso, waxaad u baahan tahay in qof kasta ogaan

waa xaraf oo xiiso Maxay badan tahay in la ogaado, aan oo dhan dadkii waddankayaga degganaa oo. Si kastaba ha ahaatee, tani waa fikrad muhiim ah, taas oo go'aan ka cadadka ugu danbeeya ee dakhliga ka soo deposit ee bangiga. In xarfo nuxurka waa analoogga ah ee xiisaha xarunta, kaas oo, ee jeedo, matalaa danaha Boondhiga dulsaarka ay horey u mashaqo on deebaajiga.

Tusaale ahaan, qof dabiici ah ama sharci ah ayaa lacag la geeyaa kayd in hay'adaha credit in lacagta 100 kun rubles ka yar 10% sannadkii. Haddii ay dhacdo in danta loo xisaabiyaa mar dhamaadka sanadka, soo celinta Maal an heli doontaa 110,000 rubles.

Haddii ay lagu eedeeyay ee ku salysan bishiiba, iyo waxay, markeeda, dhali xiiso at heerka la mid ah (10%), xaddiga in uu ahaa on account of dhammaadka sannad ka dhigan doonaa 100 000 rubles. (Lacagta bilowga ah) x (1 + 0.1 (lacagta bet ee saamiyada) \ 12 (tirada xilliyada daray) oo 12 degree ah (tirada xilliyada, taasoo kaalinta lacagta 12 bilood) = 110 471.31 rubles. Taasi waa, dakhliga 471 rubles. dheeraad ah. taasi waxa weeye waxa xaraf oo xiiso. farqiga u, dabcan, waa yar yahay, laakiin ka weyn ee lacagta, iyo dakhliga ka badan eedeeyay dhexe, ugu weyn xaddiga helay iyadoo ay sabab u macaashka.

Laakiin deebaajiga la xaraf xiiso had iyo jeer ma aha shuruud la'aan faa'iido u ah hawlgalada isku danta mashaqo dhamaadka muddada. mar walba waa in Mid ka mid ah lacag bixisid si aad size ee dareenka dulsaarka, muddo qandaraaskiisa oo muddo xiiso. Tusaale ahaan, heshiis la xisaabinta oo xiiso fudud heer ah 12% sannadkii ee sannadka soo noqon doonaa more wanaagsan ka badan heerka heshiiska ka mid ah 10% oo dulsaar leh xarunta si joogto ah bil kasta sanadka oo dhan.

Waa maxay xaraf oo xiiso leh jagooyinka xisaabinta? Haddii ururka ayaa kaalinta qadar kasta oo deebaajiga lacagta dulsaarka, waxaa ka mid ah maalgelinta dhaqaale waxaa lagu tirin doonaa. on xiiso heshiis deebaaji ah ayaa lagu eedeeyay ku xiran xaaladaha. Xaaladdan oo kale, ka barta of view of arrinta, helay danta ama aan weli.

Deposit la xaraf xiiso bil kasta in cadadka 100 000 rubles at heerka of 10 boqolkiiba sannadkii laga arki doono xisaabinta sida soo socota: (. 100 kun rubles) Debit Credit 51 account 58 account on qadarka maamulaha. Ka dib markii muddo xiiso xiritaanka (bil walba muddo 12 bilood). Account Debit 76 iyo credit account 91-1 tarjumaysaa dhibcaha ee cadadka 100 000 x (1 + 0.1 \ 12) at 12 degree = 10 rubles 471,31. Oo haddana wuxuu ka muuqataa celiyo ka deebaajiga (hore 100 kun. Xoq.) Account The debit iyo credit 51 76 xisaabta. Ugu dambayntiina, waxaa la tixgeliyaa danta helay galay By ku entries xisaabaadka socda (10 471, 31 rubles.): Debit 51 account waxaa lagu tiriyaa by 76.

Waa maxay xaraf oo xiiso ka barta cashuurta of view ah? Halkan, haddii shirkadda hayaa diiwaanka dakhliga iyo kharashka la raacayo habka xisaabinta, muujisa xiisaha la sameeyo dhamaadka muddo u dhiganta bixinta statements (sanadka), xitaa mararka halkaas oo heshiis deebaaji ah ayaa la soo gabagabeeyey muddo dheer, sida saddex sano. Sharcigan waxaa lagu taagaa Qodobka 271 ee xeerka cashuuraha ee la xiriirta heshiis amaah ah iyo heshiisyada kale ee la mid ah.