Ukubala inzala enye yokuqeshisa inqqalelo Excel
Koku sisebenzisa umsebenzi weRate(npm;vpm;va;vc;type;estimate) ngaphantsi Excel. Lo msebenzi uvumela i Calcul lenzala ngokwexesha lotyalo-mali olunikiweyo.
Kakade ke, ngaba kusemthethweni ukuthenga imoto yokuqeshisa? Inzuzo ephambili ye Ukuqeshisa ku ukuvumela umqhubi ukuba asebenzise isithuthi ngaphandle kweukuthenga, ngoxa egcina amandla okwenza oko. Omnye umdla omkhulu weLOA Est ukukwazi ukuba lula ukuba a imoto, nangaphandle komnikelo.
Indlela yokubala iintlawulo zenyanga zemboleko kwi-Excel? Ngomsebenzi weVPM weExcel, unako ngokulula yekhompyutha isixa seentlawulo zenyanga a mboleko kuxhomekeke kwixabiso elibolekiweyo, ixesha kunye nomlinganiselo wemali-mboleko. Cofa kwiseli ekufuneka iqulathe isiphumo. Vula iiFomula ithebhu yeribhoni kwaye ucofe kwiMali. Cofa iVPM.
Ithini ireyithi yokuqeshisa? Iindleko zenyanga ze yokuqeshisa ingaba yi-€275 ye-10 km / ngonyaka kwaye a izinga yomdla yokuqeshisa nge-2%. Oku kubiza ixabiso ngekhilomitha ye-33 yeesenti (€ 0,33). Kule nto, umqeshi kufuneka afake iindleko zamafutha, ukugcinwa, i-inshurensi kunye nezinye iindleko ezongezelelweyo.
Nangona kunjalo, ingabalwa njani inzala yonyaka yemali mboleko?
Umzekelo, kwimali-mboleko yokubambisa ngesohlwayo se-€ 100 kwiminyaka eli-000 izinga ye-1.00%, i Calcul des umdla ikhredithi ilula. Kufuneka uthathe i-1% ye-€ 100 ngonyaka, okanye i-€ 000 ngonyaka. Oku kuxabisa i-1 ye-euro ngenyanga kwiminyaka eyi-000.
Yeyiphi imigibe yeLOA?
Ukuba iphakheji igqithisiwe, umqhubi wemoto kufuneka ahlawule imali engaphezulu kumqeshisi. Ixabiso liyohluka phakathi kwe-5 kunye ne-20 ye-euro yeesenti ngekhilomitha nganye ngaphandle kwephakheji ehanjiweyo. Oku ke ngoko kunokumela inkcitho engalindelekanga ukuba awuwuhloniphi umda ekuvunyelwene ngawo nomqeshisi.
Zeziphi izinto ezingeloncedo nge-LOA? THE izinto ezingeloncedo kwi-LOA. Umqathango wesithuthi: idiphozithi yokhuseleko isetyenziselwa ukuvala nawuphi na umonakalo owenziwe kwisithuthi. Yiba nemoto I-LOA ngoko ke kunokubangela uloyiko oluqhubekayo lokukrwempa njl. I-inshurensi: kuyacetyiswa okanye kunyanzelekile ukuba ube ne-inshurensi elunge kakhulu.
Iyintoni inzuzo yokuqeshisa ngenkxaso-mali? THE yokuqeshisa imali ineengenelo ezimbini eziphambili: ezilungileyo Est I-100% ixhaswa ngemali: yimali yenkampani Est igciniwe Ekupheleni kwengqeshiso ngenketho yokuthenga, umqeshi angathenga kwakhona ipropati ngexabiso elinomtsalane kakhulu.
Indlela yokubala imali mboleko nge-Excel?
ngo iphepha lakho ukubala okugqwesileyo, khetha iseli B4. Uya kubhalisa e iseli ifomula eya kubala ngokuzenzekelayo inzala oya kuyityala ebhankini. Faka ifomula. ngo iseli B4, bhala =ISPMT(B2;1;B3;B1) , uze ucinezele sur iqhosha elithi Faka.
Zibalwa njani iintlawulo zenyanga zemboleko? Bala isixa sakho iintlawulo zenyanga
Ngokusekelwe kwisicwangciso sembuyekezo enikezelwa yibhanki yakho, unako yekhompyutha yakho intlawulo yenyanga ngokusebenzisa Calcul zilandelayo: Ngoko ke, ukuba uboleka €300 (C=000) phezu 300 iminyaka (n=000) ngesantya 20% (t=20), yakho intlawulo yenyanga izixa ukuya kwi-€ 1/ngenyanga.
Indlela yokubala ishedyuli yemali mboleko?
Isebenza ku yekhompyutha inzala yomhla obekiweyo: ngulo Myinge weXesha eliphindaphindwayo ngenkunzi eseleyo ngenxa yokufumana inzala eza kuhlawulwa ngalo mhla umiselweyo. Umzekelo: izinga lexesha le-20%, imali ebolekiweyo ye-€ 100, isixa sokuvuthwa se-50 €. I-50 - 6,80 = € 43,20 kodwa ilinganiselwe kwi-34 eseleyo.
Yeyiphi imigibe yokuqesha? Ukuba iphakheji igqithisiwe, umqhubi wemoto kufuneka ahlawule imali engaphezulu kwinkampani erentayo. Ixabiso liyohluka phakathi kwe-5 kunye ne-20 ye-euro yeesenti ngekhilomitha nganye ngaphandle komlinganiselo ohambayo. Oku ke ngoko kunokumela inkcitho engalindelekanga ukuba awuwuhloniphi umda ekuvunyelwene ngawo nomqeshisi.
Kusebenza njani ukurenta eBelgium?
Enyanisweni, umnini-polisi yokuqeshisa (okanye umntu oqeshiweyo) ucela umxhasi (inkampani ekhethekileyo okanye umenzi wemoto) ukuba amnike isithuthi asithandayo. Ukulandela ukufunyanwa kwesithuthi, umnikeli ungena kwinkontileka kunye nomqeshi, ubude bexesha elihluka phakathi kwe-24 kunye ne-60 yeenyanga.
Indlela yokubala inzala?
Umzekelo. Ukuba utyala imali ye-euro eyi-1 iminyaka emi-000 kwi- umgangatho wenzala elula 5%, ekupheleni 5 iminyaka uya kuba winile: 1 x 000% x 5 = 5 euroumdla iqokelelwe kwiminyaka emi-5 okanye i-euro ezingama-50 ngonyaka.
Indlela yokubala umyinge wezinga lonyaka? Ngamafutshane, kuba bala ireyithi unikezelo indlela, ixabiso lokuqala VD, ixabiso lokugqiba VA kunye nenani lamaxesha n achongiwe. sisebenzisa ifomula x=(VAVD)1n−1.
Kutheni ungathengi iLOA? 6 – Bhalisela a I-LOA ukuba uyirola encinci
Ngenxa yoko, umthengi usengozini yokuhlawula kakhulu nokuba akasebenzisi pas rhoqo imoto I-LOA okanye ukuba wanelisekile yiyo ne hamba imigama emifutshane kuphela. Phakathi kwediphozithi (ukhetho), irenti yokuqala yonyuka kunye nerenti yenyanga, i I-LOA ayiyo pas uqoqosho kakhulu.
Indlela yothethathethwano ngokufanelekileyo ngeLOA?
Njengoko ngetyala lemveli, umthengi kwi I-LOA uthembisa ukuhlawula irenti emiselweyo qho ngenyanga, kwisithuba esiphakathi kweminyaka emi-2 nesi-7. Nceda uqaphele ukuba akunakwenzeka ukuba ukuthetha-thethana ixabiso lokuqala, eliya kusetyenziselwa ukubala inani lerenti.
Sinjani isiphelo seLOA? Kwi iphiko kwikhontrakthi yakho yokurenta, unakho, ukuba uyathanda, ube ngumnini wesithuthi. Konke okufuneka ukwenze kukuhlawula imali yokurhweba, ebizwa ngokuba "lixabiso elishiyekileyo" lesithuthi. Imali emiselweyo nomqeshisi wakho xa usayina isivumelwano sokurenta.
Yeyiphi eyona LLD okanye iLOA ebiza imali eninzi?
Isishwankathelo: ngetyala elizenzekelayo iyabiza kancinci qu'une LLD et ngexabiso eliphantsi que la I-LOA. VS 'Est kwakhona into esiyifumeneyo xa sinikela uluvo lwethu kwi I-LOA. Isifundo sethu siyazithetha: I-LOA : ixabiso le-15 euro iminyaka emi-026 nge-4 km.
Iyintoni inzuzo yemali yetyala? Enye yeenzuzo ezinkulu ze mali par l 'mboleko yi ukukwazi ukuhlawula amatyala abiza kakhulu, ukunciphisa iintlawulo zenyanga ngamakhulu okanye namawaka eedola. Ukuncitshiswa kweendleko zenkunzi ngoko kwandisa ukuhamba kwemali yenkampani.
Kutheni kuqeshwa ishishini?
Iinzuzo ze yokuqeshisa kwiingcali
Ukuqeshisa kuvumela ukufunyanwa ngokuthe ngcembe kwepropati entsha ngaphandle kokuphazamisa ukuhamba kwemaliishishini. Ukongeza, ixabiso lokuthenga ekupheleni kwekhontrakthi ilungiswa kwangaphambili, iishishini unokukulindela ukuthengwa kwepropati.
Yintoni umahluko phakathi kokuqeshisa kunye nokuqeshisa? THE yokuqeshisa ivulelekile kubantu kunye neengcali. THE credit-ukuqasha igcinelwe iingcali kuphela kwaye ayikuvumeli ukupheliswa kwekontraka ngaphambi kwexesha, ngaphandle kokuba kugunyaziswe ngokukodwa umncinci kwaye ngokuxhomekeke kwintlawulo yezohlwayo.