Don kwatanta shahararrun ayyukan kudi na Excel, za mu yi la'akari da lamuni tare da biyan kuɗi na wata-wata, ƙimar riba 6% a kowace shekara, wa'adin wannan lamuni shine 6 shekaru, darajar yanzu (Pv) shine $ 150000 (adadin lamuni) da ƙimar nan gaba (Fv) za su kasance daidai da $0 (wannan shine adadin da muke fatan karba bayan duk biyan kuɗi). Muna biya kowane wata, don haka a cikin shafi Rate lissafin adadin kowane wata 6%/12=0,5%, kuma a cikin ginshiƙi nper lissafin jimlar adadin lokutan biyan kuɗi 20*12=240.
Idan ana biyan kuɗi akan lamuni ɗaya 1 sau daya a shekara, sannan a cikin ginshiƙi Rate kuna buƙatar amfani da ƙimar 6%, kuma a cikin ginshiƙi nper - darajar 20.
PLT
Zaɓi tantanin halitta A2 kuma saka aikin PLT (PMT).
Bayani: Hujjoji biyu na ƙarshe na aikin PLT (PMT) na zaɓi ne. Ma'ana Fv ana iya tsallake shi don lamuni (ana tsammanin ƙimar rancen nan gaba $0, amma a cikin wannan misali darajar Fv ana amfani da shi don tsabta). Idan hujja type ba a ƙayyade ba, ana la'akari da cewa ana biyan kuɗi a ƙarshen lokacin.
Sakamakon: Biyan kuɗi na wata-wata shine $ 1074.65.
tip: Lokacin aiki tare da ayyukan kuɗi a cikin Excel, koyaushe ku tambayi kanku tambayar: shin ina biyan (darajar biyan kuɗi mara kyau) ko ana biya ni (ƙimar biyan kuɗi mai kyau)? Muna karɓar $150000 (tabbatacce, muna karɓar wannan adadin) kuma muna biyan kuɗi kowane wata $ 1074.65 (mara kyau, muna biyan wannan adadin).
RANAR
Idan ƙimar da ba a sani ba ita ce ƙimar lamuni (Rate), to ana iya ƙididdige shi ta amfani da aikin RANAR (RATE).
KPER
aiki KPER (NPER) yayi kama da na baya, yana taimakawa wajen lissafin adadin lokutan biya. Idan muka biya kowane wata $ 1074.65 a kan aro tare da ajali na 20 shekaru tare da riba 6% a kowace shekara, muna bukata 240 watanni don biyan bashin gaba daya.
Mun san wannan ba tare da tsari ba, amma za mu iya canza biyan kuɗi na wata-wata kuma mu ga yadda wannan ya shafi adadin lokutan biyan kuɗi.
Kammalawa: Idan muka biya $2074.65 kowane wata, za mu biya bashin a cikin ƙasa da watanni 90.
PS
aiki PS (PV) yana ƙididdige ƙimar lamuni na yanzu. Idan muna so mu biya kowane wata $ 1074.65 bisa ga ɗauka 20 shekaru rance tare da adadin shekara-shekara 6%Yaya girman rance ya kamata ya zama? Kun riga kun san amsar.
BS
A ƙarshe, la'akari da aikin BS (FV) don ƙididdige ƙimar gaba. Idan muna biya kowane wata $ 1074.65 bisa ga ɗauka 20 shekaru rance tare da adadin shekara-shekara 6%Za a biya lamunin gaba daya? Ee!
Amma idan muka rage biyan kuɗi na wata-wata zuwa $ 1000to bayan shekaru 20 za mu ci gaba da bin bashi.
