C|pr~y~pp y {p}ppp y{~p p{p ur|ry~s u}p

Hput~ tyu{ ur|ry~s yu} y{~p {p}p~p p{p, u u}p ~p |pp {y s|pr~y~pp y {p}ppp y{~p p{p ur|ry~s yu} {? u {yy r ru?u ~p y~p~yp?u ~p rp.
u }|y-~p?ru?p~ uqp ~p ~pryt} xp|sy, ~ p{ ~u ry u r u?prp} {p{ ~{y?p, }p tp qytp ru~y tu{p r ~u{y |py t~p tqyrpp s|u} ~uu. I p{p u |uu~ p xp yx~p?}rp?u
, tp u qytu}u tp xpp~u r ~p |p~ t |ppp.

 

rxp~y / s|pr~y y{~p p{p ur|ry~s rxp~y
/ qp|p~ ~p |p?t s|pr~yp y {p}pp pr|y~y{p |pp u}p

xp s|pr~y~p y {p}pp y{~p p{p ur|ry~s

s|pr~y
y yu} u ry y~uu y{~p p{p, xp?}u~y xp yx~ ~p py, p u ~py~ tp s |py yx~ tqyu~ }~wu?u ~p tutu~ u~.
s|pr~ ~p rp{y y~p~yy, ~p ~py~ y r }~s |py tp u {yy r {p{ u {py {utyy, xp |pp r }|pp xp u}u{p ~p "t|s ~ {~p~~p p{p" u y~tu{yp, r t s|u}p {|yy~p ~p |pp, |pp y p{p, p~p p u ~p?s|u} t {pp{uyy{yu {y ?u s ~p}p|y yx~ ~p rp r s|p~ u xs|u}rp.

 

Ksp {~{u~y y}uy

y}u ~p y{~p p{p ~p s|pr~ypp y{~p p{p t 5% u ry rp{y y~p~yy xp?}u~y 200.000 ?u~y 12% sty~p {p}pp, u}u{p }|p p~rp {p{ |utrp rp.
200.000 ?u~y ~ 5% = 10, 000 ?u~y
r rpp u r{|rp yx~y {y u t~urpp ~p s|pr~y~p y {p}pp, u ~rp xp }ryp?u ~p pp|u|~ tp s rpy u{? }uu. @{ xp?}u~y r

 

su~prutu~yu |ry, ~py~ ~p u}u{p ~p {p}pp tp |p?pp u{? }uu ?u qytu }p|.
200.000 ?u~y ~ (12% 12 }uuy)
= 200.000 ?u~y ~ 1%
= 2.000 ?u~y
Hpp, 8000 ?u~y }y~ ?u~ ~p y~uu t yx~ ~p |pp 2000 u, p ?u qytu ruu~ u}urp {p{ s|pru~.

 

{p{ ytqyr{yu ~p s|pr~y~p y {p}pp ytqyr{yu ~p y{~p p{p ur|ry~s

s|pr~y~pp y yu} u ry y~uu y{~p p{p, p ?u r{|rpp t~ ~p yx~ ~p py tp |pp }uu~y y{~y.
wyr y p{p }wu tp u ~p}p|y ~p up, ?u qytu r }w~ tp ~ppy ~p |pp y |p~yp?u.
yt, y p{p, quxqutu~ }ut r {? ~u u }~s pqy|~p {p{ pqp {pu~ pq~ ru}u.

 

P{p? p, ty y {sp u s ~ppry|u ~p ~r xpt|wrp?u, y p{p, ytqyr{yu, qytu??y rp ~u p~u us|u}p.
}p ~p py tp |p?pp u{? }uu, qytu??y p u utu|u~ t p~p ~p yx~ ~p p{pp y |p~y }u r u{?p, ?u qytu, y p{p, }p|{ yu r|y?pp ~p y|pp, p{ y}p u t ~u{?p }up pqy|u~ yt.

 

P{p? p, xpp ?p s|u} q? ~p {}p~yy u r ~rp uqp tp u {yy r xp{pwp~y |py, u {pp{uyxyp |u~ tp u pxquu, y p{p, }uu~y y{| |pp.
1 }uu, u{?, y ~p u{y 35 tu~p, r xpry~ t {}p~y?pp, qytu??y p y p{p }wu tp qytp ~yyyp~y xp tu~ ~p y|pp ~p tutu~y t {p, ryu ~u }p tp u sywyu xp, {p{ u ys~y tp u |py.

 

~utpy ~p s|pr~y~p y {p}pp y{~p p{p ur|ry~s

{p{ ~utpy ~p s|pr~y~p y yu} u ry y~uu y{~p p{p, p ~u u ~ppry y}p |p~ xp |pp, y}p ut~p {p {?p p~rp t|s~ xpt|wrp?u. Hp y}u~p ~p {~p~~p p{p
~rp xpt|wrp?u ~p p}~uwp, p ~u}p tp qytu 0 ru~ p{ ~u |pp {|u{yr~ t tutu~ uu~.

 

P{p? p, r s|p~ q? ~p |p?p?u sty~y u xs|u}rp, p y p{p }wu tp r{|rp y ~utpyu ~p y~uu u xs|u}rp tp}py~.
y xpp y}p }p|{ }uu~p rp, ~p}u tp u rpp p} ~p }y~y}p|~y yx~ ~p py u utrytu~, rpw~ u tp |p?pp ru?u, {sp y px|y{p r py.
{p{ rpy y y~p~yp?u ~p }p|yu y ut~y
, {}p~yyu {y ~u s y}pp ~pyp~ tup|y t |p~ xp |pp u, y p{p, ~u u ~urqypu~. B |p? ~p
u rpy p ~u s tutrp q? ~p tu~ry ~p {}p~y?pp, {p{ y yu qy|u ?qux~y {sp {yy?p, p} y p{p ?u qytu y ~pp} ?u qytu u{? tu~, u rp?p p} y~uu.
, y p{p, u| tp u u|y}y~yp ut~p p{rp xpsywu~, {p{ ~p y}u tp s upry tup|u~ put ~p u~pp p~yp r p}{yu ~p y|y tsr, ru|y tu{p {}p~y?pp tp u yxquu tru|yr u rpw~.

 

Pus|ut

s|pr~yp y {p}pp y{~p p{p yu} u ry u ~p}u~u xp tp u rty {p{ |pp ~yu ~pt tutu~ u~ ~p t|s. B ru}u ~p |p?p?p
, ?u u |p?p {p}pp, xput~ tyu{, p ?u qytu r }p {?p ?u qytu qry~u xp r{~y yx~ u{? }uu.

 

tp u ry yu} ~p s|pr~y~pp y {p}ppp y{~p p{p, y|y {|yy~p ~p py tp |pp }uu~y y{~y, ?p ut~y, {p{ u y|y }p|{ rp {sp ~p ~r xpt|wrp?u.
t tsp p~p p, xpt|wrp?u y |p? p~rp t|s uyt ~p ru}u, ~ppry }~s ru}u xp tp u |p?pp p} ~p {p}p~pp p{p, {p{ p} u y p{p ~ur|~p |wqp.
rpy r ~p tyu{, {sp }wuu tp u rpyu, rp u }wuqy r|ptuu?u ~p {pty~p| xp p {sp tp s {yp yu} u ry y~uu y{~p p{p ~p s|pr~ypp y.

 

s|pr~yp y {p}pp y{~p p{p yu} u ry u ~p}u~u xp tp u rty {p{ |pp ~yu ~pt tutu~ u~ ~p t|s. B ru}u ~p |p?p?p
, ?u u |p?p {p}pp, xput~ tyu{, p ?u qytu r }p {?p ?u qytu qry~u xp r{~y yx~ u{? }uu.

 

tp u ry yu} ~p s|pr~y~pp y {p}ppp y{~p p{p, y|y {|yy~p ~p py tp |pp }uu~y y{~y, ?p ut~y, {p{ u y|y }p|{ rp {sp ~p ~r xpt|wrp?u.
t tsp p~p p, xpt|wrp?u y |p? p~rp t|s uyt ~p ru}u, ~ppry }~s ru}u xp tp u |p?pp p} ~p {p}p~pp p{p, {p{ p} u y p{p ~ur|~p |wqp.
rpy r ~p tyu{, {sp }wuu tp u rpyu, rp u }wuqy r|ptuu?u ~p {pty~p| xp p {sp tp s {yp yu} u ry y~uu y{~p p{p ~p s|pr~ypp y.