Eshidini lakho Excel ukubala, khetha iseli B4. Uzobhala kuseli ifomula ezobala ngokuzenzakalelayo i- izithakazelo ukuthi uzokweleta ibhange. Faka ifomula. Kuseli B4, bhala =ISPMT(B2;1;B3;B1) , bese ucindezela inkinobho ethi Enter.
By the way, Ungabala kanjani inani lenzalo yemalimboleko? Izibalo ezidingekayo: isilinganiso sanyanga zonke = isilinganiso sonyaka sebhange sihlukaniswa ngo-12; THE izithakazelo = imali esele ngenxa yebhange x inani lenyanga; imali ebuyisiwe = Imali ekhokhwa njalo ngenyanga - the izithakazelo ; imali esele okufanele ikhokhelwe = Imali esele okufanele yenziwe enyangeni edlule - imali ebuyisiwe.
Ungayenza kanjani ifomula yokubala ku-Excel? Dala ifomula elula ku Excel
- Eshidini le Calcul , chofoza iseli ofuna ukufaka kulo ifomula.
- Thayipha uphawu olulinganayo (=), lulandelwe ama-constants nama-opharetha (kufika ezinhlamvini eziyi-8) ofuna ukuzisebenzisa Calcul . ...
- Cindezela u-Enter (Windows) noma u-Return (Mac).
Indlela yokubala inzalo elula? Isibonelo se izibalo
Ukutshalwa kwezimali kwama-euro ayi-1 ezinyangeni eziyisi-000 ngenani lonyaka le-6%. Nabanye isithakazelo esilula, isilinganiso sesikhathi esilinganiselwe sizoba ngu-0,12 x 6 izinyanga / izinyanga eziyi-12, noma u-6%. Inani le izithakazelo kuzoba ngu-1 x 000 / 6, noma €100. Isikhathi esiwunyaka owodwa, i- izithakazelo kuzoba ngama-euro angama-60 × 2 = 120 €.
Kodwa-ke, ungazibala kanjani izinkokhelo zanyanga zonke zemali mboleko yendlu ye-Excel?
=VPM(5%/12,30*12,180000)
- Impikiswano Yesilinganiso ingu-5% ihlukaniswa ngezinyanga eziyi-12 zonyaka.
- I-agumenti ye-NPM ilingana no-30 ophindwe ngo-12 wemalimboleko yeminyaka engu-30 engu-12. izinkokhelo zanyanga zonke ngonyaka.
- I-agumenti ye-VA ilingana no-180 (inani lamanje le- loan ).
Libalwa kanjani ithebula le-amortization yemalimboleko ye-Excel?
Amazwana yenza okwakhe ithebula of ukukhokhelwa on Excel ?
- ngoba yekhompyutha izinkokhelo zakho zanyanga zonke, ngefomula ye-PMT (isilinganiso, i-NPER, i-PV): i-PMT (isilinganiso sezindlu ezithengiswayo/12; Isikhathi semalimboleko*12; Inani lemalimboleko)
- ngoba yekhompyutha inani lenzalo yakho: IPMT (izinga lezindlu ezithengiswayo/12; Imali esele okufanele uyikhokhe; ubude besikhathi semali mboleko*12; Inani lemali mboleko)
Indlela yokubala izinkokhelo zenyanga zemali mboleko yendawo? Ngo-“m” yenani ngalinye inkokhelo yanyanga zonke, “M” yenani lekhredithi, “t” ngenani engenakususwa kanye nokuthi “n” ngenani lokukhula, ifomula imi kanje: m = [(M*t)/12] / [1-(1+(t/12)))^-n].
Indlela yokubala inkokhelo yanyanga zonke kusuka esilinganisweni? Bala inani lakho izinkokhelo zanyanga zonke
A ukushiya ohlelweni lokukhokha olunikezwa yibhange lakho, ungakwazi yekhompyutha wena inkokhelo yanyanga zonke nge- Calcul okulandelayo: Ngakho, uma uboleka u-€300 (C=000) ngaphezu kweminyaka engama-300 (n=000) kwi- izinga kokungu-1.20% (t=0,0120), yakho inkokhelo yanyanga zonke ifika ku-€1/ngenyanga.
Indlela yokwenza itafula lokubuyisela imali mboleko?
Nawa amafomula wokubala ongawafaka ukuze ulingise owakho ithebula ukwehla ngefomethi ye-Excel:
- Izinkokhelo zanyanga zonke = inkunzi ebolekiwe x (APR/12) / 1 – (1 + APR/12) …
- Inzalo = (ikhephithali ebolekiwe x I-APR x ubude beminyaka) / 100.
- Imali ekhokhwayo = izinkokhelo zanyanga zonke - inzalo.
Libalwa kanjani ithebula le-amortization yemalimboleko? Nawa amafomula okuthi Calcul ukuze ubuyele ukulingisa eyakho ithebula le-amortization ngefomethi ye-Excel:
- Izinkokhelo zanyanga zonke = inkunzi ebolekiwe x (APR/12) / 1 – (1 + APR/12) …
- Inzalo = (ikhephithali ebolekiwe x I-APR x ubude beminyaka) / 100.
- Imali ekhokhwayo = izinkokhelo zanyanga zonke - inzalo.
Indlela yokwenza ithebula le-amortization?
Izakhi ezibalulekile eziqukethwe ku-a ithebula le-amortization
- Idethi yamanqamu noma inombolo. …
- Inani elifunekayo. …
- Inani (izinga) lenzalo. …
- Inani lemali ekhokhiwe ngalolu suku olufanele. …
- Izindleko zomshwalense. …
- Inhlokodolobha evelele
Ukwehla kwenani kubalwa kanjani? Ake sithathe isibonelo: uthenga indawo ebiza u-€5 futhi uyayifunaumcamelo esikhathini esiyiminyaka emi-5. Izinga leukukhokhelwa izolingana ne: 100/5 = 20%. Inani le umcamelo ngakho-ke izolingana no: 5 x 000% = €20.
Iyiphi inkokhelo yanyanga zonke yama-euro ayi-150?
150 000 / 120 = € 1 inkokhelo yanyanga zonke. Ngokucabangela umbandela wesilinganiso sezikweletu, kufanele uthole okungenani iholo de : 1 x 250 = €3.3. Akunikezwa wonke umuntu! E-France, isilinganiso sesikhathi sokubolekwa kwemali ngu de Iminyaka eyi-18 nezinyanga eziyisi-6, ngakho-ke ake sithi iminyaka eyi-18 (izinyanga ezingama-216).
Iyiphi inkokhelo yanyanga zonke yama-euro ayi-100?
Ngo 2021, ngoba isikweletu kwama-euro angama-100 ngaphezu kweminyaka eyi-15, ngenani elinqunyiwe de 1%, izinkokhelo zanyanga zonke zibekwe ku-598 euro for umholo de 1 814 euros (isamba sezindleko zekhredithi 7 euros). Ngaphezu kweminyaka engama-20, ngenani elinqunyiwe de 1,20%, izinkokhelo zanyanga zonke zehlela ku-469 euros, ngeholo de 1 421 euros (isamba sezindleko zekhredithi 12 euros).
Iyiphi inkokhelo yanyanga zonke yama-euro angama-200? I inkokhelo yanyanga zonke hhayi ukudlula ngoba isikweletu kusuka kuma-euro angama-200000 kuyinto de I-929 €.
Indlela yokubala inkokhelo yanyanga zonke? Inkokhelo yanyanga zonke = [capital × (rate/12)]/[1 – (1 + (rate/12) – (12 × inombolo yeminyaka yokukhokha))] A inkokhelo yanyanga zonke imali ebolekiwe inani elikhokhwa ngezikhathi ezithile, okusho ukuthi nyanga zonke, futhi akumele lidlule isilinganiso sesikweletu somfakisicelo wemalimboleko.
Indlela yokubala ukuvuthwa kwemali mboleko?
Isibonelo: isilinganiso sesikhathi esingu-20%, imali eyinhloko ebolekiwe engu-€100, inani leeside kusuka ku-€50. 50 – 6,80 = €43,20 kodwa ikhawulelwe ku-€34 esele.
Indlela yokubala imali? Ukwenza lokhu, kufanelekile ukuklelisa zonke izidingo; ngabe kuyizidingo ze uxhaso izindleko zokusebenza (isitokwe, ukukhokhwa kwenzalo, njll.), izidingo zokuhamba kwemali, njll. Uma zonke izidingo sezibaliwe, i Calcul Kulula kakhulu: kufanele nje uhlanganise amanani ahlukene.
Ungalitholaphi Ithebula Lokukhokhelwa Kwemalimboleko?
Uhlelo noma ithebula ofukukhokhelwa, yenziwa itholakale Esikhaleni sakho Sekhasimende esigabeni esithi “Amasevisi Ami”, “Amadokhumenti Ami” bese kuthi “Izikweletu”. Lokhu yi ithebula uklelisa imininingwane yezinsuku zokugcina ze loan okufanele ukhokhe kukho konke ukuphila kwakho credit.
Ulenza kanjani uhlelo lokukhokha? Ukwakhiwa kwe- umugqa wesikhathi yemalimboleko
- inani elisetshenziswe ekukhokheni inzalo.
- inani elinikelwe esilinganisweni somshwalense womboleki.
- ukukhokhwa kwemali ekhokhwayo.
- inani lemali ebolekiwe esele ngenxa ye eside .
- inani elisele elisele ngosuku lwa eside .
Indlela yokusungula uhlelo lokukhokha?
Lapho inani lemali ebolekiwe, izinga lenzalo kanye nobude besikhathi sokubolekiwe kunqunywa, inani lezinkokhelo zanyanga zonke liyabe selisimisiwe. Kube sekwethulwa ithebula elicacisa, inyanga nenyanga, imali esele kanye nesabelo, ku- nokubuyiselaof nokubuyisela inzalo kanye nokunciphisa imali.
Ungabala kanjani uhlelo lwemalimboleko? Isebenza ukuze yekhompyutha inzalo yosuku lomnqamulajuqu: yileli Rate Lesikhathi Esiphindaphindwayo ngemali esele ngenxa yokuthola inzalo ezokhokhwa ngalolu suku lomnqamulajuqu. Isibonelo: isilinganiso sesikhathi esingu-20%, imali eyinhloko ebolekiwe engu-€100, inani lokuvuthwa elingu-€50. 50 – 6,80 = €43,20 kodwa ikhawulelwe ku-€34 esele.
Ungabala kanjani i-annuity yemali mboleko?
Isibonelo: Uma imali engu-C ebolekiwe ingu-€1 futhi inzalo yonyaka ingu-000%, khona-ke a imali yonyaka I-€100 ihlukaniswa kanje: – Inzalo: 1×000 = €0,06 – Izindleko zezindleko: €60 – 100 = €60 Ngemva kokukhokha lokhu imali yonyaka, isikweletu sifinyelela ku-1 - 000 = 40 € kuphela.
Indlela yokubala ukubuyiswa kwemali mboleko? 2.2 - Amazwana ingabe inkokhelo yanyanga zonke iyenziwa?
- Inani lenzalo: 10% x €1 = €000
- Imali ebuyisiwe: €500 - €100 = €400
- Imali esele isekhona ukukhokha : €1 - €000 = €400