Kuenzanisira inonyanya kufarirwa neExcel mabasa emari, isu tichafunga nezvechikwereti chine mubhadharo wepamwedzi, mubereko 6% pagore, nguva yechikwereti ichi ndeye 6 makore, kukosha kwazvino (Pv) ndiko $ 150000 (mari yechikwereti) uye kukosha kweramangwana (Fv) ichave yakaenzana ne $0 (iyi ndiyo mari yatinotarisira kugamuchira mushure mekubhadhara kwese). Isu tinobhadhara pamwedzi, saka mukoramu mutengo verenga mwero wepamwedzi 6%/12=0,5%, uye muchikamu nper verenga nhamba yese yenguva dzekubhadhara 20*12=240.
Kana kubhadhara pachikwereti chimwe chete kuchiitwa 1 kamwe pagore, ipapo muchikamu mutengo unofanira kushandisa kukosha 6%, uye muchikamu nper - kukosha 20.
PLT
Sarudza sero A2 uye isa basa PLT (PMT).
Tsanangudzo: Nharo mbiri dzekupedzisira dzebasa racho PLT (PMT) isarudzo. Meaning Fv inogona kusiiwa kune zvikwereti (iyo ramangwana kukosha kwechikwereti kunofungidzirwa kuve $0, asi mumuenzaniso uyu kukosha Fv inoshandiswa kujekesa). Kana nharo mhando haina kutaurwa, inofungidzirwa kuti kubhadhara kunoitwa pakupera kwenguva.
Mhedzisiro: Mari yemwedzi ndeye $ 1074.65.
Tip: Paunenge uchishanda nemabasa emari muExcel, nguva dzose zvibvunze mubvunzo: ndiri kubhadhara (negative kubhadhara kukosha) kana ndiri kubhadharwa (yakanaka kubhadhara kukosha)? Tinokwereta $150000 (chakanaka, tinokwereta mari iyi) uye tinobhadhara pamwedzi we $1074.65 (negative, tinodzorera mari iyi).
RANGANO
Kana iyo isingazivikanwe kukosha iriyero yechikwereti (Rate), saka inogona kuverengerwa uchishandisa basa RANGANO (RATE).
KPER
basa KPER (NPER) yakafanana neyakapfuura, inobatsira kuverenga huwandu hwenguva dzekubhadhara. Kana tikabhadhara pamwedzi we $ 1074.65 pachikwereti chine nguva ye 20 makore nemari yemubereko 6% pagore, tinoda 240 mwedzi yekubhadhara chikwereti zvizere.
Isu tinoziva izvi pasina mafomula, asi tinogona kushandura mubhadharo wepamwedzi toona kuti izvi zvinokanganisa sei huwandu hwenguva dzekubhadhara.
mhedziso: Kana tikabhadhara pamwedzi we $2074.65, tichabhadhara chikwereti mukati memwedzi isingasviki makumi mapfumbamwe.
PS
basa PS (PV) inoverengera kukosha kwazvino kwechikwereti. Kana tichida kubhadhara pamwedzi $ 1074.65 maererano nezvakatorwa 20 makore chikwereti nemari yegore negore 6%Ndeipi saizi yechikwereti inofanira kuva? Unotoziva mhinduro.
BS
Pakupedzisira, funga nezvebasa racho BS (FV) kuverenga kukosha kweramangwana. Kana tichibhadhara pamwedzi $ 1074.65 maererano nezvakatorwa 20 makore chikwereti nemari yegore negore 6%Chikwereti chichabhadharwa zvachose here? Ehe!
Asi kana tikadzikisa kubhadhara kwemwedzi kune $ 1000then after 20 years tinenge tichiri muchikwereti.
