Tichaongorora zvese zvitatu.
Dambudziko uye The Formula
Chinhu chokutanga chokuyeuka ndechokuti kukosha kwepano ndiyo yakanyatsopesana nehupenyu hwemunguva yemberi ye annuity. Heino chirevo:
PVA N = PMT [1 / I) - 1/1 / I (1 + I) N
Chimbofunga dambudziko iri:
Iko kukosha kweiyo iko kwekugara kwegore kana chikwereti chechikwereti chiri 5 muzana uye iwe wakavimbiswa mari pamagumo emakore matatu kana kubhadhara kuri $ 100 pagore?
Kushandisa kukosha kwemazuva ano kwemazuva ose e annuity formula :
PVA 3 = 100 [1 / 0.05 - 1 / 0.05 (1 + 0.05 3 ] = $ 272.32
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, haugone kuwana mari kune iyo saka inoderedzwa nhasi uye inokwana $ 272.32 chete.
Zviri pachena, kushandisa nzira yacho ndiyo nzira yakareba yekuita zvinetso zvezvino.
Kushandisa mari yekutengesa kana shanduro yepaspiritsi ndiyo nzira yakanakisisa yekuverenga kukosha ikozvino .
Nhasi Kukosha kweNhoroondo Yowanenge Kushandisa Financial Calculator
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. 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 $ 272.32
Parizvino Kukosha kweNhoroondo Yakawanda Kushandisa Spreadsheet
Spreadsheets, zvakadai seMicrosoft Excel, yakakodzerwa nokuverenga nguva yezvinetso zvemari uye mamwe masvomhu mabasa. Basa iro ratinoshandisa pakukosha kwemazuva ano re annuity yakawanda pane Excel spreadsheet nderokuti:
= PV (chiyero, N, pmt, fv) OR
= PV (0.05,3, -100,0)
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), kubhadhara kwe100, uye 0 kune chinhu chekupedzisira zvinoreva kuti chero mubhadharo ungadai uri pakuguma 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 $ 272/32.
Ichi chekutsvaga paIndaneti chichakubatsira iwe nekudzidzira kuverenga kwekukosha kwezvino kwekugarisa annuity.