Nzira Dhatu: Maitiro, Calculator uye Spreadsheet
Nzira Yokuenzanisa Nayo Ikozvino Yekuda Kwegore
Kune nzira nhatu dzokugadzirisa chinetso chekuverenga kukosha kwezvino kwechimwe chete, rudzi rumwe rwekuwedzerwa kwekanguva kwemari kuverenga . Kutanga, iwe unogona kushandisa kukosha kwezvino kune imwe nguva ye annuity formula. Chechipiri, iwe unogona kushandisa mari yekutengesa mari. Chero chero chekushandisa mari yekutengesa ichaita uye inotevera maererano nematanho akafanana. Chechitatu, unogona kushandisa shanduro yepa spreadsheet, yakadai seExcel. Tichaongorora zvese zvitatu.
Murairo wekuverenga Ikozvino Iko yeAn annuity Due
Heino chirevo:
PVA DUE = PMT [1 / I) - 1/1 / I (1 + I) DUE (1 + I)
Misiyano iri muurongwa uhwu uye chirevo chekukosha kwemazuva ano kwegore rinokonzerwa ndeye ((1 + I) nguva pamagumo equation. Inogadzirisa nokuda kwekuti chikwereti chakakodzera chinobhadharwa pakutanga kwekanguva.
Chimbofunga dambudziko iri:
Iko kukosha kweiko ikozvino kweruzhinji inokwana kana chikwereti chechikwereti chiri 5 muzana uye iwe wakavimbiswa mari yacho pakupera kwemakore matatu kana kubhadhara kuri $ 100 pagore?
Kushandisa kukosha kwezvino kwe annuity due formula :
PVA DUE = 100 [1 / 0.05 - 1 / 0.05 (1 + 0.05 3 ] (1 + 0.05) = $ 285.94
Kuverenga kukosha ikozvino kunonzi kunotswa. Kupa mari yakawanda , semari yedu ye $ 100 gore negore, inongoreva kuti tinotora kutengesa kwezvinhu uye kuti mari inokwanisa kukwanisa kufarira mukana.
Sezvo iwe usina gore re $ 100 annuity muruoko rwako nhasi, haugoni kuwana mubereko kune iyo, saka inoderedzwa nhasi uye inokwana $ 285.94 chete, zvishoma kudarika iwe unowanikwa pane annuity yakawanda.
Zviri pachena, kushandisa nzira yacho ndiyo nzira yakareba yekuita zvinetso zvezvino. Kushandisa mari yekutengesa kana shanduro yepaspiritsi ndiyo nzira yakanakisisa yekuverenga kukosha ikozvino.
Kuverenga Nhamba Inoenderana Nekugadzirisa Kwekushandisa Nokushandisa Chekuita Kwemari
Iwe unogona kuwana kukosha kwemazuva ano eine annuity chero ipi neipi yekugadzirisa ine basa rekujekesa, kunyange zvisati zvisiri zvemari. Zvakanakisisa kushandisa mari yekugadzirisa nekuti vane zvishanu zvitsvene zvinofanana nezvitsva zvishanu panguva yekukosha kwemari equations. Ikozvino kukosha kwechimwechete chekuenzanisa chatakaverenga pamusoro apa kunoshandisa zvikamu zvina chete zvezvinhu izvi. Iwe unoshandisa zvienzana zvakafanana neyegore rinowanzo kunze kwekuti iwe uise calculator yako ku BEGIN MODE . Tarisa pane yako yezvemari yakawanda. Heino mhedzisiro uye mazano aunoshandisa:
Punch N uye 3 (kwemakore matatu)
Punch I / YR uye 5 (nokuda kwechikwereti chinokwana 5%)
Punch PMT uye -100 (iva nechokwadi uye uite kuti isapfuure zana)
Punch PV , uye iwe uchava nemhinduro yako ye $ 285.94
Nhasi Kukosha Kwekugadzirisa Kwekushandisa Nokushandisa Shanduro
Spreadsheets, zvakadai seMicrosoft Excel, yakakodzerwa nokuverenga nguva yezvinetso zvemari uye mamwe masvomhu mabasa.
Basa iro ratinoshandisa pakukosha kwemazuva ano re annuity rinowanikwa pane Excel spreadsheet nderokuti:
= PV (chiyero, N, pmt, fv, rudzi) OR
= PV (0.05,3, -100,1)
Tora 0 ndeyomumwe munhu annuity asi Type 1 ndeye annuity yakakodzera.
Kunyanya, iwe unoenda kune Excel worksheet uye chengeta pane Zvemari basa. Iwe uchakwevera pasi menyu uye chengeta paPV. Iko kuchazarura bhokisi, uye iwe uchazadza ruzivo rwechinetso chauri kuedza kugadzirisa. Mumuenzaniso watinoshandisa, unozadza chikamu chekuda kwe 0.05, nguva ye3 (gore), mari ye-100, uye 1 yechinhu chekupedzisira zvinoreva kuti chero mubhadharo waizove pakutanga kwe nguva nguva kana tine zvipo. Iwe unopedzisira uine basa riri pamusoro. Zvadaro, unoenda kuruoko rworudyi rwepepa rekushanda kumusoro uye chengeta kuverenga. Iwe uchawana mhinduro ye $ 285.94.