Kwiphepha lakho ukubala okugqwesileyo, khetha iseli B4. Uza kubhala kwiseli ifomula ezakubala ngokuzenzekelayo i umdla ukuba uya kubatyala ebhankini. Faka ifomula. Kwiseli B4, bhala =ISPMT(B2;1;B3;B1) , uze ucofe iqhosha elithi Faka.
Ngendlela, Ubalwa njani isixa senzala yemali-mboleko? Izibalo ezifunekayo: ireyithi yenyanga = ireyithi yonyaka yebhanki yahlulwe nge-12; THE umdla = imali eyinkunzi eseleyo ngenxa yebhanki x ireyithi yenyanga; inkunzi ebuyisiweyo = Intlawulo yenyanga rhoqo - the umdla ; i-capital eseleyo = Imali eseleyo efunekayo ukusuka kwinyanga edlulileyo - inkunzi ebuyisiwe.
Uyenza njani ifomula yokubala kwi-Excel? Yenza ifomula elula kwi Excel
- Kwiphepha le Calcul , cofa iseli ofuna ukufaka kuyo ifomula.
- Chwetheza uphawu olulinganayo (=), lulandelwa zizigxininisi kunye nabaqhubi (ukuya kuthi ga kwi-8 amagama) ofuna ukuwasebenzisa kwi Calcul . ...
- Cofa u-Enter (Windows) okanye Buyela (Mac).
Indlela yokubala inzala elula? Umzekelo we izibalo
Utyalo-mali lwe-1 ye-euro kwiinyanga ezi-000 ngesantya sonyaka se-6%. Nabanye umdla olula, ireyithi ye-periodic elinganayo iya kuba yi-0,12 x 6 iinyanga / iinyanga ezili-12, okanye i-6%. Isixa se umdla iya kuba yi-1 x 000 / 6, okanye €100. Kwisithuba sonyaka omnye, i umdla iya kuba yi-60 euro × 2 = 120 €.
Nangona kunjalo, ukubalwa njani iintlawulo zenyanga ze-Excel mboleko yendlu?
=VPM(5%/12,30*12,180000)
- Ingxoxo yeRate yi-5% yahlulwe ngeenyanga ezili-12 zonyaka.
- Ingxoxo ye-NPM ilingana nama-30 aphindwe nge-12 kwimali-mboleko yeminyaka engama-30 kunye ne-12. iintlawulo zenyanga ngonyaka.
- Ingxabano ye-VA ilingana no-180 (ixabiso langoku le lungile ).
Ibalwa njani itheyibhile ye-amortization yemali mboleko ye-Excel?
amagqabantshintshi yenza isandi itheyibhile d ' i-amortization sur Excel ?
- galela yekhompyutha iintlawulo zakho zenyanga, kunye nefomula ye-PMT (ixabiso, i-NPER, i-PV): i-PMT (ixabiso lezindlu nezindlu/12; Ixesha lemali-mboleko*12; Isixa semali-mboleko)
- galela yekhompyutha isixa senzala yakho: IPMT (umyinge wezindlu/12; Inkunzi engekahlawulwa; ixesha lemali-mboleko*12; Isixa semali mboleko)
Indlela yokubala iintlawulo zenyanga zemboleko yepropathi? Ngo-“m” kwisixa ngasinye intlawulo yenyanga, "M" yemali yekhredithi, "t" yereyithi engenakususwa kunye no "n" kwinani lokuvuthwa, ifomula ilandelayo: m = [(M*t)/12] / [1-(1+(t/12)))^-n].
Indlela yokubala intlawulo yenyanga ukusuka kwixabiso? Bala isixa sakho iintlawulo zenyanga
A ushiye yesicwangciso sentlawulo enikezelwa yibhanki yakho, unako yekhompyutha yakho intlawulo yenyanga ngokusebenzisa Calcul zilandelayo: Ngoko ke, ukuba uboleka €300 (C=000) ngaphezulu kweminyaka engama-300 (n=000) izinga ye-1.20% (t=0,0120), yakho intlawulo yenyanga izixa ukuya kwi-€ 1/ngenyanga.
Indlela yokwenza itafile yokubuyisela imali mboleko?
Nazi iifomula zokubala ongazingenisa ukulinganisa eyakho itheyibhile ukuhla kwifomathi ye-Excel:
- Iintlawulo zenyanga = inkunzi ebolekiweyo x (APR/12) / 1 – (1 + APR/12) …
- Inzala = (inkunzi ebolekiweyo x APR x ubude beminyaka) / 100.
- I-amortized capital = iintlawulo zenyanga - inzala.
Indlela yokubala itafile ye-amortization? Nazi iifomula ze Calcul ukubuyela ukulinganisa yakho itafile ye-amortization kwifomethi ye-Excel:
- Iintlawulo zenyanga = inkunzi ebolekiweyo x (APR/12) / 1 – (1 + APR/12) …
- Inzala = (inkunzi ebolekiweyo x APR x ubude beminyaka) / 100.
- I-amortized capital = iintlawulo zenyanga - inzala.
Uyenza njani i-amortization table?
Izinto ezibalulekileyo eziqulethwe kwi-a itafile ye-amortization
- Umhla omiselweyo okanye inombolo. …
- Imali efunekayo. …
- Isixa (ixabiso) lenzala. …
- Isixa-mali semali esibuyiswe ngalo mhla umiselweyo. …
- Iindleko ze-inshurensi. …
- Inkunzi ebalaseleyo
Kubalwa njani ukwehla kwexabiso? Makhe sithathe umzekelo: uthenga i-euro eyi-5 elungileyo kwaye uyayifunaukuya kumqamelo kwisithuba seminyaka emi-5. Umlinganiselo wei-amortization iya kulingana: 100/5 = 20%. Imali eya ukuya kumqamelo ke ngoko iyakulingana: 5 x 000% = €20.
Yeyiphi intlawulo yenyanga ye-euro eyi-150?
150 000 / 120 = € 1 intlawulo yenyanga. Uthathela ingqalelo ikhrayitheriya yomlinganiselo wamatyala, kufuneka ke ngoko ufumane umvuzo ubuncinane de : 1 x 250 = €3.3. Akunyanzelekanga ukuba inikwe wonke umntu! EFransi, ubude bexesha lokuboleka imali de Iminyaka eyi-18 kunye neenyanga ezi-6, ngoko ke masithi iminyaka eyi-18 (iinyanga ezingama-216).
Yeyiphi intlawulo yenyanga ye-euro eyi-100?
Kwi 2021, galela ityala ye-100 euro ngaphezu kweminyaka eyi-15, ngesantya esimiselweyo de I-1%, iintlawulo zenyanga zibekwe kwi-598 euro for umvuzo de 1 814 kowethu (ixabiso lilonke letyala 7 kowethu). Ngaphezu kweminyaka engama-20, ngesantya esimiselweyo de I-1,20%, iintlawulo zenyanga zehla ukuya kwi-469 kowethu, ngomvuzo de 1 421 kowethu (ixabiso lilonke letyala 12 kowethu).
Yeyiphi intlawulo yenyanga ye-200 euros? I intlawulo yenyanga ungagqithi galela ityala ukusuka kwi-euro ezingama-200000 Est de I-929 €.
Indlela yokubala intlawulo yenyanga? Intlawulo yenyanga = [inkunzi × (ixabiso/12)]/[1 – (1 + (ixabiso/12) – (12 × inani leminyaka yokuhlawula))] A intlawulo yenyanga Imali-mboleko sisixa esihlawulwa ngamathuba athile, oko kukuthi nyanga zonke, kwaye akufunekanga igqithe kumlinganiselo wamatyala omfaki-sicelo wemali-mboleko.
Indlela yokubala ukuvuthwa kwemali mboleko?
Umzekelo: izinga lexesha le-20%, imali ebolekiweyo ye-€ 100, isixa segama ukusuka kwi-50 €. I-50 - 6,80 = € 43,20 kodwa ilinganiselwe kwi-34 eseleyo.
Indlela yokubala imali? Ukwenza oku, kufanelekile ukudwelisa zonke iimfuno; nokuba ziimfuno ze mali iindleko zokusebenza (isitokhwe, ukubuyiswa kwenzala, njl.), iimfuno zokuhamba kwemali, njl. Nje ukuba zonke iimfuno zidweliswe, i Calcul ilula kakhulu: kufuneka udibanise izixa ezahlukeneyo.
Ungayifumana phi iTheyibhile yoRhwebo lweMali-mboleko?
Ishedyuli okanye itheyibhile d 'i-amortization, yenziwe ifumaneke kwiSithuba soMthengi wakho kwicandelo elithi "Iinkonzo zam", "Amaxwebhu am" emva koko kwi "Credits". Oku yi itheyibhile edwelisa iinkcukacha zemihla ebekiweyo lungile ukuba uhlawule ngayo yonke imihla yobomi bakhe credit.
Indlela yokwenza ishedyuli yokubuyisela? Ukuqulunqwa kwe umgca wexesha yemali-mboleko
- imali echithwe ekuhlawulweni kwenzala.
- imali enikelwe kwireyithi ye-inshurensi yomboleki.
- imbuyekezo yemali eyi-amortised capital.
- isixa semali ebolekiweyo eseleyo ngenxa ye gama .
- iyonke imali eseleyo efunekayo ngomhla we gama .
Indlela yokuseka isicwangciso sentlawulo?
Xa isixa-mali esibolekiweyo, inzala kunye nexesha lemali-mboleko ligqitywe, isixa seentlawulo zenyanga silungiswa. Itheyibhile inikezelwa echaza, inyanga nenyanga, inkunzi eseleyo kunye nesabelo, kwi buyisela imali, du buyisela imali umdla kunye ne-amortization.
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.
Indlela yokubala i-annuity yemali mboleko?
Umzekelo: Ukuba inkunzi ebolekiweyo C yi-€1 kwaye inzala yonyaka yi-000%, ngoko imali I-100 ye-euro yohlulwa ngolu hlobo lulandelayo: – Inzala: 1×000 = €0,06 – Amortization: €60 – 100 = €60 Emva kwentlawulo yoku imali, ityala lifikelela kuphela kwi-1 - 000 = 40 €.
Indlela yokubala intlawulo yemali mboleko? 2.2 - amagqabantshintshi intlawulo yenyanga yenziwe?
- Isixa senzala: 10% x €1 = €000
- Inkunzi ebuyiselweyo: € 500 - € 100 = €400
- Inkunzi eseleyo ahlawule : € 1 - € 000 = € 400