Siza kuhlola zonke iindlela ezintathu.
Ingxaki kunye neFormula
Into yokuqala yokukhumbula kukuba ixabiso langoku lichasene ngqo nexabiso elizayo lonyaka. Nantsi ifom:
I-PVA N = PMT [1 / I) - 1/1 / I (1 + I) N
Cinga le ngxaki:
Ixabiso lini elikhoyo lonyaka oqhelekileyo ukuba inzala yenzalo ibe ngama-5 epesenti kwaye uthembisa imali ekupheleni kweminyaka emithathu ukuba intlawulo i-$ 100 ngonyaka?
Ukusebenzisa ixabiso langoku lefom ye-annuity formula :
I-PVA 3 = 100 [1 / 0.05 - 1 / 0.05 (1 + 0.05 3 ] = $ 272.32
Ukubala ixabiso langoku libizwa ngokuba yi-discount. Ukuhamba kwemali yokunciphisa imali, njenge-annuity yethu yonyaka we-$ 100, kuthetha ukuba sithatha umthamo wexabiso kunye nokuba imali inakho ukufumana inzala kwi-akhawunti. Ekubeni awunayo imali engama-$ 100 yonyaka esandleni sakho, awukwazi ukufumana inzala kuyo kwaye isaphulelo namhlanje kwaye ufanele u-$ 272.32 kuphela.
Ngokucacileyo, ukusebenzisa le ndlela yindlela ende yokwenza iingxaki zexabiso langoku.
Ukusebenzisa i-calculator yemali okanye isicelo se-spreadsheet yindlela efanelekileyo ngakumbi yokubala ixabiso langoku .
Ixabiso langoku leNkcitho yesiQhelo ngokuSebenzisa iCash Calculator
Unokufumana ixabiso langoku lonyaka oqhelekileyo kunye naliphi na umbala wokubala onomsebenzi wokubonakalisa, kunye nababalawuli abangabikho bemali.
Kukulungele ukusebenzisa izibalo zezimali kuba zinezihluthulo ezinhlanu ezihambelana neendlela ezinhlanu kwixabiso lexesha lemali. Ixabiso eli likhoyo lemali elilinganayo elibalwe ngentla lisebenzisa kuphela ezine kwezo ziguquko. Khangela i-calculator yakho yemali. Nantsi izitshixo kunye neziphumo ozigxothayo:
Punch N no- 3 (iminyaka emithathu)
I-Punch I / YR kunye ne- 5 (ngenani lentengo ye-5%)
Punch PMT kunye -100 (qi niseka uze wenze okungenani i-100)
Punch PV uze ufumane impendulo yakho ye $ 272.32
Ixabiso langoku leNkcitho yesiQhelo ngokuSebenzisa ispredishithi
Iipredishithi, ezifana ne-Microsoft Excel, zifanelwe ukubala ixabiso lexesha leengxaki zemali kunye neminye imisebenzi yemathematika. Umsebenzi esisebenzisayo kwixabiso langoku lonyaka oqhelekileyo kwi-spreadsheet ye-Excel ngu:
= PV (isilinganiselo, N, pmt, fv) OKANYE
= IPV (0.05,3, -100,0)
Ngokukodwa, uya kwiphepha lokusebenzela lase Excel kwaye uqhosha kwi-Financial function. Uza kunqumla imenyu uze uqakraze kwi-PV. Oku kuza kuvula ibhokisi uze uzalise ulwazi malunga nengxaki ozama ukuyixazulula. Kulo mzekelo esisisebenzisayo, uzalisa umyinge we-0.05, ixesha eli-3 (unyaka), iintlawulo ze--100, kunye ne-0 kwinto yokugqibela oku kuthetha ukuba nayiphi na intlawulo iya kuba ekupheleni kwexesha ixesha xa sineentlawulo.
Uphela nomsebenzi ongentla. Emva koko, uye kwicala lasekunene lephepha lokusebenzela phezulu kwaye nqakraza kwi-Calculate. Uya kufumana impendulo ye $ 272/32.
Le calculator ye-intanethi izokukunceda ngokubala ngokubaluleka kwexabiso elikhoyo lonyaka oqhelekileyo.