Iindlela ezintathu: I-Formula, i-Calculator kunye neSpreadsheet
Indlela yokubala ixabiso langoku leNkcazo yokuHlaba
Kukho iindlela ezintathu zokusombulula ingxaki yokubala ixabiso langoku lexabiso elilodwa, uhlobo olulodwa lwexabiso lexesha lokubala kwemali . Okokuqala, ungasebenzisa ixabiso langoku lefom yefom ejwayelekile. 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.
I-Formula yokubala ixabiso langoku leNkcazo yokuHlaba
Nantsi ifom:
I-PVA DUE = I-PMT [1 / I) - 1/1 / I (1 + I) I- DUE (1 + I)
Ukwahlukana kule fomyula kunye nefom yexabiso langoku le-annuity ngenxa yekota (1 + I) ekupheleni kwe-equation. Ilungelelanisa ukuba inkokhelo ehlawulwayo iyahlawulwa ekuqaleni kwexesha.
Cinga le ngxaki:
Ixabiso lini elikhoyo le-annuity ngenxa yokuba inzala yenzalo ibe ngama-5 epesenti kwaye uthembisa imali ekupheleni kweminyaka engama-3 ukuba intlawulo i-$ 100 ngonyaka?
Ukusebenzisa ixabiso langoku lenkomfa yefom yobungakanani :
I-PVA DUE = 100 [1 / 0.05 - 1 / 0.05 (1 + 0.05 3 ] (1 + 0.05) = $ 285.94
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 ungenayo imali engama-$ 100 yonyaka esandleni sakho, awukwazi ukufumana inzala kuyo, ngoko iyancitshiswa namhlanje kwaye ixabise i-285.94 ye-$, engaphantsi kweyona nto uyenzayo kwi-annuity.
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 leNkcazo ye-Annuity Due usebenzisa i-Calculator yeMali
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. Usebenzisa iinguqu ezifanayo njenge-annuity ngaphandle kokuba ubeke i-calculator yakho kwi- BEGIN MODE . 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 , kwaye uya kuba nempendulo yakho ye $ 285.94
Ixabiso langoku le-Annuity Ngenxa yokusebenzisa iSpreadsheet
Iipredishithi, ezifana ne-Microsoft Excel, zifanelwe ukubala ixabiso lexesha leengxaki zemali kunye neminye imisebenzi yemathematika.
Umsebenzi esisebenzisayo kwixabiso langoku le-annuity ngenxa ye-spreadsheet ye-Excel yile:
= I-PV (umlinganiselo, N, pmt, fv, uhlobo) OKANYE
= IPV (0.05,3, -100,1)
Uhlobo lwe-0 luyi-annuity ngelixa udidi lwe-1 luyiminyaka ehlawulwayo.
Ngokukodwa, uya kwiphepha lokusebenzela lase Excel kwaye uqhosha kwi-Financial function. Uza kunqumla imenyu uze uqakraze kwi-PV. Oku kuza kuvula ibhokisi, kwaye uza kuzalisa ulwazi ngxaki ozama ukuyixazulula. Kulo mzekelo esisisebenzisayo, uzalisa umyinge we-0.05, ixesha eli-3 (unyaka), iintlawulo ze--100, kunye ne-1 kwinto yokugqibela ebonisa ukuba nayiphi na intlawulo iya kuba ekuqaleni kwexesha ixesha xa sineentlawulo. Uphela nomsebenzi ongentla. Emva koko, uye kwicala lasekunene lephepha lokusebenzela phezulu kwaye nqakraza kwi-Calculate. Uya kufumana impendulo ye $ 285.94.