I kēia mau lā, hiki ke loaʻa ka pōmaikaʻi mai kekahi helu o nā kōkua a me nā hōʻoia i kau ʻia e ka mokuʻāina, e like me ka hōʻoia hoʻokahi o ka mana kūʻai. He hōʻoia kēia i helu ʻia ma luna o kahi manawa kuhikuhi i hoʻolaha ʻia i nā makahiki ʻehā, lawe Kekemapa 31 e like me ka lā i hoʻomaka ai nā helu.
Eia kekahi, he hōʻoia ia e hiki i nā limahana he nui ke pōmaikaʻi, no laila ke koʻikoʻi o ka ʻike i ka mea e uhi ai a ʻoi aku ka nui o ka nui e loaʻa iā lākou. Inā makemake ʻoe e ʻike hou aku, a ma luna o nā mea a pau e hoʻomaopopo pehea e helu i kona waiwai, e heluhelu mau i keia 'atikala.
He aha ka wehewehe ʻana o ka mana kūʻai kūʻai kanaka?
ʻO ka hōʻoiaʻiʻo o ka mana kūʻai, a i ʻole ma ka pōkole Gipa, a me kahi hōʻoia e manaʻo e uku no ka poho o ka mana kūʻai. o kekahi luna, ina aole i pii kona uku i na makahiki eha i hala. Hiki ke loaʻa ka pōmaikaʻi mai ia mea inā ʻoi aku ka haʻahaʻa o ka ulu ʻana o ka uku kuhikuhi o ka limahana i ka hoʻohālikelike ʻia me ka ka papa kuhikuhi kumu kūʻai, a ʻo kēia, ma luna o kahi manawa kuhikuhi ʻo 4 mau makahiki.
I mea e ʻike ai inā he kuleana paha ʻoe iā Gipa, hiki ke hoʻohana he simulator pūnaewele. Inā kūpono ʻoe, hiki i ka simulator ke hāʻawi iā ʻoe i ka nui pololei āu e hiki ai ke hōʻiliʻili.
ʻO wai ka poʻe i loaʻa i ka mana kūʻai kūʻai pākahi?
Hiki i nā mea hana like ʻole i ka honua o ka hana ke kuleana i ka hōʻoia o ka mana kūʻai, ma lalo o kekahi mau kūlana.
ʻO ka mea mua, pili nā luna aupuni a pau me ka ʻole o kekahi ʻano kūlana kikoʻī.
A laila, ʻo ka poʻe hana aelike ma lalo o kahi ʻaelike paʻa (ʻaelike hana no ka lōʻihi ʻole) ke hana ʻia kā lākou uku ma hope o ka helu ʻana me ka helu ʻana i kahi index.
ʻO ka hope, aia kekahi poʻe hana ʻaelike manawa paʻa (ʻaelike hana no ka manawa paʻa) i hoʻohana mau ʻia, inā ʻo ia no ka mea hana hoʻokahi i nā makahiki ʻehā i hala. Eia kekahi, pono kā lākou uku, ma ke ʻano like me nā limahana hana ʻaelike ma ka aelike mau, e helu ʻia me ka index.
Ma keʻano laulā, hiki iā mākou ke ʻōlelo ʻo ka hōʻoia ʻana o ka mana kūʻai e pili ana i nā ʻelele āpau:
- māhele A;
- māhele B;
- Māhele C.
Pehea e helu ai i ka hōʻoia mana pākahi?
Inā hiki ke hilinaʻi ma luna o ka simulator online e ʻike i ka nui o Gipa i hiki iā ʻoe ke loaʻa, he mea hoihoi nō ia e hoʻomaopopo i ke ʻano o ka helu ʻana.
Pono e ʻike ʻia ʻo ka uku o ka mana o kēlā me kēia kanaka, a mākou e kapa ai iā G, ua helu ʻia me ka hoʻohana ʻana i nā uku uku nui o ka makahiki (TBA) a me ka hoʻohana ʻana i kēia ʻano: G = TBA o ka makahiki i hoʻomaka ai ka manawa kuhikuhi x (1 + inflation ma luna o ka manawa kuhikuhi like ) – TBA o ka makahiki o ka hope o ka manawa kuhikuhi like.
I mea e helu ai uku helu makahiki nui, a i ʻole TBA, ua hoʻohana ʻia kēia ʻano hana:
TBA = IM ma ka lā 31 Kekemapa o nā makahiki ma ka hoʻomaka a me ka hopena o ka manawa kuhikuhi x ka waiwai makahiki o ka helu kuhikuhi no nā makahiki ʻelua.
Pono ʻoe e ʻike he ʻelele e hana hapa manawa (a ʻaʻole piha manawa) i nā makahiki ʻehā i hala, aia nō ke kuleana e pōmaikaʻi mai iā Gipa e like me ka manawa āna i hana ai. Penei ke kumu e hoʻohana ʻia ai i kēia hihia: G = TBA o ka makahiki i hoʻomaka ai ka manawa kuhikuhi x (1 + inflation ma luna o ka manawa kuhikuhi holoʻokoʻa) – TBA o ka makahiki i pau ai ka manawa kuhikuhi kuhikuhi x nui. o ka manawa hana ma 31 Dekemaba o ka makahiki i pau ai ka manawa kuhikuhi.
No ka loaʻa ʻana o kahi manaʻo maʻamau a me nā hōʻailona, pono ʻoe e ʻike ua hoʻolaha ʻia ka manawa kuhikuhi ma luna o 4 mau makahiki, e hoʻomaka ana i ka helu ʻana ma ka pae o Dekemaba 31. No nā waiwai makahiki o ka helu kuhikuhi, hoololi lakou i kela makahiki a i keia makahiki. Eia kekahi laʻana,ʻo 56.2044 ka waiwai i ka 2017. ʻO ka hope,ʻo ka hoʻonuiʻana i kēia manawa i ka helu ʻO ka helu ʻana he 4.36%.
