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Consider two expressions

It is possible that by the time I come back next year, the company has either shut down or has been taken over.

It is possible that by the time I come back next year, the company will have been taken over or will have shut down.

Another expression

Since term of your deposit is so long, it is possible that by the time it completes,it has/will have actually depreciated in value due to inflation.

Should I use present or future perfect tense in this expressions? Or Are both of them correct here?

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I would prefer the future perfect. Using the present perfect makes it sound as if you already came back, which clearly you didn't.

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  • Added one for example for clarity. Could you please tell me what is the correct usage in the second expression.
    – Max
    Jul 4, 2015 at 9:39
  • Same answer. Future perfect. (Incidentally, I would use "the" before "term", and in AmE it would be "matures" rather than "completes".)
    – Brian Hitchcock
    Jul 4, 2015 at 11:27

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