Kukho iindlela ezintathu zokusombulula ingxaki yokubala ixabiso langoku lexabiso elilodwa, uhlobo olulodwa lwexabiso lexesha lokubala imali . Okokuqala, ungasebenzisa ixabiso langoku lomlinganiselo omnye. Okwesibini, ungasebenzisa i-calculator yemali.
Ngokumalunga nanoma yiyiphi i-calculator yemali eya kwenzayo kwaye iya kulandela malunga namanyathelo afanayo. Okwesithathu, ungasebenzisa isicelo se-spreadsheet, njenge-Excel. Siza kuhlola zonke iindlela ezintathu.
Ukubala Ixabiso langoku
Into yokuqala yokukhumbuza kukuba ixabiso langoku lexabiso elilodwa lichasene ngqo nexabiso elizayo. Nantsi ifom:
PV = FV [1 / (1 + I) t ]
Cinga le ngxaki:
Masithi uthe wathenjiswa i-$ 1464 iminyaka emine ukususela namhlanje kwaye inzala yenzalo ngu-10%. Unyaka (t) unyaka 4. Sifuna ukwazi ukuba yiyiphi imali eyi-1464 efanelekileyo namhlanje (ixabiso langoku ) elinikezelwa ukuba inzala yenzalo ngu-10% kwaye unyaka ngowama-4. kubala ixabiso elikhoyo le-$ 1464 ukuba inani lesenzalo li-10% ekupheleni kweminyaka emi-4 usebenzisa ifom:
I-PV = 1464 [1 / (1 + .10)] 4 = $ 1,000
Ukubala ixabiso langoku libizwa ngokuba yi-discount. Ukuhamba kwemali yokunciphisa imali, njenge-$ 1,464 yethu, kuthetha ukuba sithatha umthamo wamanani kunye nokuba imali ingenza inzala kwi-akhawunti.
Ekubeni ungenayo i-$ 1,464 esandleni sakho namhlanje, awukwazi ukufumana inzala kuyo, ngoko isaphulelo namhlanje.
Ngokucacileyo, ukusebenzisa le ndlela yindlela ende yokwenza iingxaki zexabiso langoku. Ukusebenzisa i-calculator yemali okanye isicelo se-spreadsheet yindlela efanelekileyo ngakumbi yokubala ixabiso langoku.
Ukubala Ixabiso Lenkokhelo usebenzisa i-Calculator yeMali
Unokufumana ixabiso langoku lexabiso elilodwa kunye naliphi na i-calculator enomsebenzi wokuzibonakalisa, nakwii-calculators ezingezizo.
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- 4 (iminyaka emi-2)
I-Punch I / YR kunye ne- 10 (ngenani lentengo ye-5%)
I-Punch FV kunye ne- 1,464 (ngemali yemali esibala inzala kumnyaka we-4)
Punch PMT kunye ne- PMT (akukho ntlawulo ngaphandle kweyokuqala)
Punch PV uze ufumane impendulo yakho ye $ 1,000
Ukubala Ixabiso Lenkokhelo usebenzisa iSpreadsheet
Iipredishithi, ezifana ne-Microsoft Excel, zifanelwe ukubala ixabiso lexesha leengxaki zemali kunye neminye imisebenzi yemathematika. Umsebenzi esisebenzisayo kwixabiso langoku yesamba semali kwi-spreadsheet ye-Excel yile:
I-PV (isantya, nper, pmt, fv, uhlobo) OKU
= IPV (0,10,4,0,1464,0)
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-0.10, ixesha le-4 (iminyaka), iintlawulo ze-0, ixabiso elizayo le-1464 elichazwe njengenombolo efanelekileyo, kunye ne-0 kwinto yokugqibela oku kuthetha ukuba nayiphi Intlawulo iya kuba ekupheleni kwexesha xa sineentlawulo.
Uphela nomsebenzi ongentla. Emva koko, uye kwicala lasekunene lephepha lokusebenzela phezulu kwaye nqakraza kwi-Calculate. Uya kufumana impendulo ye-$ 1000.
Esi sifundo sevidiyo siya kukunceda ngokubala ngokubaluleka kwexabiso langoku.
Ezi ziindlela ezintathu zokubala ixabiso langoku lexabiso elilodwa.