Xisaabiyaha Guriga Lahaanshiyaha
Iibsashada guri waa mid ka mid ah go'aannada dhaqaale ee ugu waaweyn. Denmark, inta badan iibsashada guryaha waxaa loo maalgeliyaa isku-dar deynta guriga iyo deynta bangiga oo leh lacag hore. Xisaabiyahan wuxuu kaa caawiyaa qiyaasidda lacagta bisha ee deynta, wadarta ribada iyo kharashka guud ee lahaanshiyaha oo ay ku jirto cashuurta hantida.
Sida Xisaabintu U Shaqeyso
Xisaabiyuhu wuxuu isticmaalaa qaacidada annuity. Wuxuu ka bilaabmaa qiimaha iibka, ka jaraa lacagta hore wuxuuna xisaabiyaa lacagta deynta. Lacagta bisha waxaa loo xisaabiyaa heerka ribada iyo muddada. Denmark muddada caadiga ah waa 20-30 sano.
Wadarta Kharashka Lahaanshiyaha
Ka sokow lacagta deynta, mulkiilayaashu waa inay miisaaniyadaan cashuurta hantida, dayactirka (caadi ahaan 1% qiimaha sannadkiiba), caymiska iyo adeegyada. Marka aad barbar dhigayso guryaha, had iyo jeer fiiri wadarta kharashka bisha.