Ukubalwa kwe-annuity ihlawula kwi-Excel

Ngaphambi kokuba uthathe imali mboleko, kuya kuba kuhle ukubala zonke iintlawulo kuyo. Iya kugcina obolekayo kwixa elizayo kwiingxaki ezahlukeneyo ezingalindelekanga kunye nokudimazeka xa kuphendule ukuba i-toramay inkulu kakhulu. Uncedo olulobalo olunokuthi lube nezixhobo ze-Excel. Masifumanise ukuba ubalwa njani intlawulo yonyaka kwimali mboleko kule nkqubo.

Ukubalwa kwentlawulo

Okokuqala, kuya kufuneka kuthiwa kukho iintlobo ezimbini zentlawulo yamatyala:

• Ukwahlukaniswa;
• I-annuity.

Ngeskimu esahlukileyo, umthengi uzisa isabelo senyanga senyanga sentlawulo emzimbeni wemali mboleko kunye neentlawulo zenzala. Ubukhulu beentlawulo zenzala inyanga nenyanga bayancipha, njengoko umzimba wemali mboleko uncitshisiwe apho babalwa khona. Ke, intlawulo iphela inyanga incitshisiwe.

Inkqubo ye-Ann AST isebenzisa indlela eyahlukileyo kancinci. Umthengi wenza isixa esinye sentlawulo iyonke inyanga inyanga nenyanga, enentlawulo emzimbeni wemali mboleko kunye nokuhlawula inzala. Ekuqaleni, iminikelo yenzala ibalwa kuyo yonke imali yemali mboleko, kodwa njengoko umzimba uyancipha, inzala incitshisiwe kwaye inomdla. Kodwa inani lilonke lentlawulo lihlala lingatshintshiwe ngenxa yonyuso lwenyanga nenyanga yentlawulo yomzimba kwimali mboleko. Ke ngoko, ekuhambeni kwexesha, umda womdla kwintlawulo yenyanga yenyanga, kwaye ubunzima bomzimba bukhula. Kwangelo xesha, intlawulo yenyanga nganye ngokwayo ayitshintshanga kulo lonke ixesha letyala.

Ukubalwa nje intlawulo yonyaka, siya kuyeka. Ngakumbi, oku kufanelekile, kuba ngoku uninzi lweebhanki zisebenzisa le nkqubo. Kuyilungele abathengi, kuba kule meko isixa sentlawulo asitshintshi, sihlala sihleli. Abathengi bahlala bengazi ukuba kufuneka uhlawule malini.

Inyathelo 1: Ukubalwa kwegalelo lenyanga

Ukubala igalelo lenyanga xa usebenzisa isekethe ye-annuity ecekeceke, kukho umsebenzi okhethekileyo-i-PPT. Ibhekisa kudidi lwabasebenzisi bezemali. Ifomula yeli nqaku imi ngolu hlobo lulandelayo:

= I-ppt (iqondo; I-Kaper; I-PS; B; I-BS; Uhlobo)

Njengoko sibona, umsebenzi ochaziweyo unenani elikhulu lempikiswano. Kuyinyani, ezimbini zokugqibela zazo azinyanzelekanga.

I-"ire "impikiswano ibonisa ipesenti yepesenti yexesha elithile. Ukuba, umzekelo, kusetyenziswa ireyithi yonyaka, kodwa intlawulo yemali mboleko yenziwa ngenyanga, ke ireyithi yonyaka iphinde yahlulwe yaba li-12 kwaye isiphumo sisetyenziswa njengengxabano. Ukuba kusetyenziswa uhlobo lwekota yentlawulo, kule meko ukubhengezwa konyaka kufuneka yahlulwe ibe yi-4, njl.

"I-CERP" lithetha inani elipheleleyo lamaxesha okuhlawulwa kwemali mboleko. Oko kukuthi, ukuba imali mboleko ithathiwe unyaka omnye ngentlawulo yenyanga, ke inani lamaxesha athathwa njengeli-12, ukuba i-2010 ithathelwa i-mboleko yekota nganye ngentlawulo yekota, emva koko Inani lamaxesha yi-8.

I-PS "ibonisa ixabiso okwangoku. Ukuthetha ngamagama alula, le yimali epheleleyo yemali mboleko ekuqaleni kokuboleka, oko kukuthi, isixa obolekwe, ngaphandle kwentlawulo kunye nezinye iintlawulo ezongezelelweyo.

"Bs" yindleko zexesha elizayo. Eli xabiso liya kuba liqela lemali mboleko ngexesha lokugqitywa kwesivumelwano semali mboleko. Kwiimeko ezininzi, le ngxoxo ithi "0", kuba lowo ubolekayo ekupheleni kwexesha letyala kufuneka azinze ngokupheleleyo nombolekisi. Impikiswano echaziweyo ayinyanzelekanga. Ke ngoko, ukuba iphuma, ithathelwa ingqalelo njenge-zero.

"Uhlobo" Impikiswano ichaza ixesha lokubala: Ekupheleni okanye ekuqaleni kwexesha. Kwimeko yokuqala, kuthatha ixabiso "0", nakwesibini - "1". Uninzi lwamaziko ebhanki asebenzisa ngokuchanekileyo ukhetho ngentlawulo ekupheleni kwexesha. Le ngxoxo ikwanokukhetha, kwaye ukuba ishiyiwe, kukholelwa ukuba yi-zero.

Ngoku lixesha lokuba ufudukele kumzekelo othile wokubala umnikelo wenyanga usebenzisa umsebenzi pw. Ukubala itafile kunye nedatha yemithombo, apho inzala yenzala kwimali mboleko (12%) ibonisiwe, ixabiso lemali mboleko (i-500,000 ye-ruble) kunye nexesha lemali mboleko (kwiinyanga ezingama-24). Kwangelo xesha, intlawulo yenziwe ngenyanga ekupheleni kwexesha ngalinye.

1. Khetha into ephepheni apho iziphumo ezinokubakho ziya kubonakala khona, kwaye zicofe "umsebenzi" we-icon, ubekwe kufutshane nefomula.



2. Iwindows Wizard Wizard isunguliwe. Kwinqanaba "Imali" Yabela igama "I-PLT" kwaye ucofe iqhosha "Kulungile".



3. Emva koko, ivula iwindow empikiswano ye-pl yomqhubi.

   Kwintsimi ethi "Ireyithi", kufuneka ufake ixabiso lepesenti kwithuba. Oku kunokwenziwa ngesandla, ukubeka ipesenti, kodwa ibonakalisiwe kwiseli eyahlukileyo ephepheni, ngoko ke siya kunika ikhonkco kuyo. Faka isikhombisi ebaleni, kwaye emva koko ucofe iseli ehambelanayo. Kodwa, njengoko sikhumbula, sinenqanaba lenzala yonyaka kwitafile yethu, kwaye ixesha lokuhlawula lilingana nenyanga. Ke ngoko, sahlula-hlula ukubheja konyaka, kwaye kungcono ikhonkco kwiseli elikwinombolo ye-12, elihambelana nenani leenyanga kulo nyaka. ICandelo lisebenza ngokuthe ngqo kwintsimi yewindows.

   Kwintsimi ye-cer, ukuboleka kusekwe. Ulingana neenyanga ezingama-24. Ungafaka isicelo kwinombolo ye-24 esemanzini, kodwa thina, njengakwicala elidlulileyo, chaza ikhonkco kwindawo yesikhombisi kwitafile yomthombo.

   Entsimini "Ps" ibonisa ixabiso lemali mboleko yokuqala. Ilingana nee-ruble ezingama-500,000. Njengakwiimeko zangaphambili, sichaza ikhonkco kwigqabi elinamagqabi, elinesikhombisi.

   Entsimini "Bs" ibonisa ubungakanani bemali mboleko, emva kwentlawulo. Njengoko ukhumbula, eli xabiso liphantse le-zero. Faka kule ntsimi inani "0". Nangona le ngxoxo isenokushiywa.

   Kwintsimi "yohlobo", sichaza ekuqaleni okanye ekupheleni kwentlawulo yenyanga yenziwa. Sikwiimeko ezininzi, siveliswa ekupheleni kwenyanga. Ke ngoko, sibeka inani "0". Njengakwimeko yengxoxo yangaphambili, kunokwenzeka ukuba ungenise nantoni na kule ntsimi, emva koko inkqubo emiselweyo iya kucinga ukuba iyi-zero ilingana nayo.

   Emva kwayo yonke idatha ingenisiwe, cinezela iqhosha u "Kulungile".



4. Emva koko, kwisisele esabesile kumhlathi wokuqala wale ncwadana, iziphumo zobalo ziyaboniswa. Njengoko ubona, ubukhulu bentlawulo qho ngenyanga kwimali mboleko yi-23536.74 ruble. Makungadideki uphawu "-" ngaphambi kwale mali. Ke ukugxothwa kubonisa ukuba oku kukuhamba kwemali, oko kukuthi, ilahleko.



5. Ukwenzela ukubala inani lilonke lentlawulo yexesha lemali mboleko, kuthathelwa ingqalelo intlawulo yomzimba wemali mboleko kunye nenzala yenyanga, endaweni yokuphinda i-ruble yenyanga (iinyanga ezingama-24) kwinani leenyanga (iinyanga ezingama-24 ). Njengoko ubona, imali iyonke yeentlawulo zexesha lonke kwixesha elizayo yayiyi-56481.67 ruble.



6. Ngoku ungabala inani lemali mboleko ngaphezulu. Ukwenza oku, kubalulekile ukuba uthabathe inani elipheleleyo leentlawulo kwimali mboleko, kubandakanya inzala kunye nemali mboleko, imali yokuqala. Kodwa sikhumbula ukuba eyokuqala le milinganiselo sele inomqondiso "-". Ke ngoko, ngetyala lethu, ityala lethu liphelile ukuba basongelwe. Njengoko sibona, iyonke imali eninzi yemali mboleko phezu kwexesha lonke yayingama-64881.67 ruble.

Isifundo: Inkosi yeMisebenzi kwi-Excel

Inqanaba 2: Iinkcukacha zokuhlawula

Kwaye ngoku, ngoncedo lomnye abaqhubi beenkonzo ze-Excel, senza iinkcukacha zenyanga zokubona ukuba zingakanani kwinyanga ethile esihlawula ngomzimba wemali mboleko, kwaye yimalini inzala. Ngale njongo, i-Blacksith kwitafile yokuthinjelwa, esiya kuzalisa idatha. Imigca yale theyibhile iya kuba noxanduva kwithuba elihambelanayo, oko kukuthi, inyanga. Ngenxa yokuba ixesha lokuboleka liinyanga ezingama-24, inani lemigca liya kuba lifanelekile. Iikholamu zibonisa umzimba mboleko, iintlawulo zenzala, intlawulo yenyanga nenyanga, engunani leekholamu ezimbini zangaphambili, kunye nexabiso elisele lihlawulwe.

1. Ukufumanisa isixa sentlawulo ngumzimba wemali mboleko, sebenzisa umsebenzi we-OSS, owenzelwe le njongo. Sisolula isikhombisi kwiseli, efakwe emgceni "1" nakwikholam "intlawulo ngumzimba wemali mboleko". Cofa kwiqhosha "Colas Fun".



2. Yiya kwiNkosi yeMisebenzi. Kwinqanaba "Imali", siphawula igama "oSSTT" kwaye ucofe iqhosha u "Kulungile".



3. Iimpikiswano ze-OSP Preving Revists kuqala. Inayo le syntax ilandelayo:

   = I-ospult (ireyithi; ixesha; I-Kper; i-ps; bs)

   Njengoko sibona, iimpikiswano zale nqaku ziphantse zangqinelana nempikiswano yomsebenzi we-PLT, kuphela endaweni yengxoxo ekhethiweyo "yexesha". Ibonisa inani lexesha lokuhlawula, kwaye kwimeko yethu ethile kwinani lenyanga.

   Gcwalisa impikiswano yengxoxo ye-OSR yengcaciso esele isazisi yidatha efanayo, eyayisetyenziselwa umsebenzi osetyenzisiweyo. Ngenxa yokuba kwixa elizayo, ukukopa ifomula iza kusetyenziswa ngokuzalisa, kufuneka wenze onke amakhonkco kumasimi apheleleyo ukuze angaguquki. Oku kufuna ukubeka uphawu ledola ngaphambi kokuba ixabiso ngalinye lokulungelelanisa nkqo kunye nethe tye. Kodwa kulula ukuyenza, ukukhetha nje ukulungelelanisa kunye nokucofa kwiqhosha le-F4 umsebenzi. Umqondiso wedola uya kubekwa kwiindawo ezifanelekileyo ngokuzenzekelayo. Asilibali ukuba ukubheja konyaka kufuneka yahlulwe ibe li-12.



4. Kodwa sinenye ingxoxo entsha, eyayingaveli kwi-pl umsebenzi. Le mpikiswano "Ithuba". Kwicandelo elifanelekileyo, cwangcisa ireferensi kwisisele sokuqala sekholam "yexesha". Olu luphawu lwephepha linenombolo "1", echaza inani lenyanga yokuqala yokuboleka. Kodwa ngokungafaniyo namasimi adlulileyo, sishiya ikhonkco kwicandelo elichaziweyo, kwaye lingapheleli kulo.

   Emva kwayo yonke idatha ethi Sithetha Ngayo Ngasentla iziswayo, cinezela iqhosha "Kulungile".



5. Emva koko, kwiseli, esele yabelwe, imali yentlawulo yomzimba yemali mboleko yenyanga yokuqala iya kuvela. Iya kuba yi-18536.74 ruble.



6. Emva koko, njengoko kuchaziwe apha ngasentla, kufuneka sikhuphele le fomula kwiiseli zekholamu ezisele zisebenzisa uphawu lokuzalisa. Ukwenza oku, setha isikhombisi kwikona esezantsi ngasekunene kwiseli, equlethe ifomula. Isikhombisi siguqulwa kumnqamlezo, obizwa ngokuba ngumphawu ophawulekayo. Cofa iqhosha lemouse lasekhohlo kwaye ulitsale phantsi ekupheleni kwetafile.



7. Ngenxa yoko, zonke iikholamu zeseli zizaliswe. Ngoku sinetshathi yokuhlawula imali mboleko qho ngenyanga. Njengoko kuchaziwe apha ngasentla, isixa sentlawulo kweli nqaku sisonyuka ngexesha ngalinye elitsha.



8. Ngoku kufuneka senze ubalo lwenyanga ngenyanga. Ngeenjongo, siza kusebenzisa umsebenzi we-PRT. Sabela isaphetha sokuqala engenanto kwikholam ye "ntlawulo". Cofa kwiqhosha "Colas Fun".



9. Kwimisebenzi ye-Master yemisebenzi kwicandelo "lezezimali", sivelisa amagama e-NAK. Yenza iqhosha iqhosha "Kulungile".



10. Ifestile ye-TRP yomsebenzi we-TRP iqala. I-syntax yayo ijongeka ngolu hlobo:

    = I-PRT (inqanaba; ixesha; I-CPU; I-PS; BS)

    Njengoko sibona, iimpikiswano zalo msebenzi zifana kakhulu kwizinto ezifanayo ze-OSP. Ke ngoko, faka idatha efanayo kwifestile ebesingena kwifestile yangaphambili yeimpikiswano. Asilibali ukuba ireferensi kwintsimi "yexesha" kufuneka isaleleke, kwaye kuzo zonke ezinye amabala okunxibelelanisa kufuneka ziziswe kwifom epheleleyo. Emva koko, cofa kwiqhosha "Kulungile".



11. Ke iziphumo zokubala isixa sentlawulo yomdla kwimali mboleko yenyanga yokuqala iboniswe kwiseli ehambelanayo.



12. Ukufaka isicelo sokumakisha ngokuzalisa, yenza ukukopa kwifomula kwizinto ezisele zekholamu, ngale ndlela ifumana ishedyuli yenyanga yenyanga yemali mboleko. Njengoko sibona, njengoko kwakutshiwo ngaphambili, ukusuka kwinyanga ukuya kwinyanga ixabiso lolu hlobo lwentlawulo.



13. Ngoku kufuneka sibale intlawulo yenyanga. Kule mali, umntu makangabhekise kuyo nayiphi na intonga, njengoko unokusebenzisa ifomula ye-arithmetic elula. Sisonga imixholo yeeseli zenyanga yokuqala yeholamu "intlawulo ngumzimba wemali mboleko" kunye "nomdla opheleleyo". Ukwenza oku, setha uphawu "=" kwiseli yokuqala engenanto yekholamu "intlawulo yenyanga". Emva koko cofa kwezi zinto zimbini zingasentla ngokuseta "+". Cofa kwiqhosha le-Enter.



14. Emva koko, usebenzisa uphawu lokuzalisa, njengakwicala elidlulileyo, gcwalisa ikholam yedatha. Njengoko sibona, kuwo wonke umsebenzi wemvumelwano, isixa sentlawulo yenyanga, ebandakanya intlawulo ngumzimba wemali mboleko kunye nokuhlawula intlawulo, iya kuba yi-235364 i-rubles. Ngokwenyani, sele sibalwe esi salathisi ngaphambi kokuba sisebenzise i-PPT. Kodwa kule meko isungulwa ngokucacileyo, ngokuchanekileyo njengesixa sentlawulo yomzimba wemali mboleko kunye nenzala.



15. Ngoku kufuneka udibanise idatha kwikholamu, apho ibhalansi yemali yemali mboleko ibonisiwe ngenyanga, esayinyanzelekileyo ukuba ihlawule. Kwiseli yokuqala yekholam "Ibhalansi yokuhlawula" ukubala kuya kuba lula. Kufuneka sisuswe kubungakanani bemali mboleko yokuqala, echazwe kwitheyibhile enedatha eyintloko, intlawulo ngumzimba kwinyanga yokuqala kwitafile ebaliweyo. Kodwa, ngenxa yokuba elinye lala manani sele sihamba nomqondiso "-", ke akufuneki sisuswe, kodwa sisonge. Siyenza kwaye ucofe kwiqhosha lokungena.



16. Kodwa ubalo lwemali eseleyo ukuba ubhatale emva kweenyanga yesibini neyelandelayo iya kuba yinto eqhelekileyo ngakumbi. Ukwenza oku, kufuneka sithathe emzimbeni wemali mboleko ekuqaleni kokuboleka inani elipheleleyo leentlawulo ngomzimba wemali mboleko yexesha elidlulileyo. Faka uphawu "=" "" "" "" "" "" "" "" "" "" "" kwiseli yesibini yekholamu "ibhotwe lokuhlawula". Okulandelayo, chaza ikhonkco kwiseli, enesixa semali mboleko yokuqala. Senza ukuba igqibelele, iqaqambisa kwaye icinezele iqhosha le-F4. Emva koko sibeka umqondiso "+", kuba sinentsingiselo yesibini kwaye sinengxaki. Emva koko, cofa kwiqhosha "lokufaka".



17. Inkosi yemisebenzi isunguliwe, apho kufuneka ufudukele kudidi "lweMathematics". Apho sabela i-surcription "SURTS" kwaye cinezela iqhosha u "Kulungile".



18. Iwindow empikiswano iqala impikiswano yomsebenzi. Umqhubi ochaziweyo usebenzela ukushwankathela idatha kwiiseli ekufuneka sizenzile kwikholamu yemali mboleko ". Inayo le syntax ilandelayo:

    = Izibalo (inombolo1; inombolo2; ...)

    Njengempikiswano, iireferensi kwiiseli apho amanani aqulethe khona. Sibeka isikhombisi kwintsimi "yeNombolo1". Emva koko faka iqhosha lemouse lasekhohlo kwaye ukhethe iiseli ezimbini zokuqala zekholam yetyala kwiphepha. Entsimini, njengoko sibona, ikhonkco kuluhlu lwavela. Inamacandelo amabini ahlukaniswe yi-colon: iireferensi zoluhlu lokuqala lodidi nakwezokugqibela. Ukuze ukwazi ukukopa ifomula echaziweyo kwixesha elizayo ngumphawu omakisha ngokupheleleyo, senza ikhonkco lokuqala kuluhlu olupheleleyo. Siyayibalaselisa kwaye ucofe kwisitshixo se-F4 umsebenzi. Inxalenye yesibini yesalathiso kunye nekhefu. Ngoku, xa usebenzisa uphawu lokuzalisa, uluhlu lokuqala loluhlu luya kuthi lulungiswe, kwaye emva koko luya kunyibilika njengoko ihamba iye ezantsi. Oku kuyimfuneko ukuze sizalisekise iinjongo. Okulandelayo, cofa kwiqhosha "Kulungile".



19. Ke, iziphumo zemali eseleyo kwityala letyala emva kwenyanga yesibini ikhutshwe esiseleni. Ngoku, ukuqala ngeliseli, senza ikopi kwifomula kwizinto ezingenanto usebenzisa uphawu lokuzalisa.



20. Ukubala imali yenyanga yentsalela ukuba ihlawule kwimali mboleko yenzelwe lonke ixesha letyala. Njengoko kufanele kube njalo, ekupheleni komhla wokugqibela, le mali yi-zero.

Ngenxa yoko, asizange sibale intlawulo yemali mboleko, kodwa icwangcise uhlobo lwekhompyuter. Eziza kwenza isenzo kwisikimu sonyaka. Ukuba kwitheyibhile yomthombo, tshintsha isixa semali mboleko kunye nenqanaba lenzala yonyaka, ke kwitafile yokugqibela kuya kubakho ukuhlengahlengiswa kwedatha ngokuzenzekelayo. Ke ngoko, ingasetyenziswa kuphela kwimeko ethile, kodwa ukufaka isicelo kwiimeko ezahlukeneyo ukubala iinketho zekhredithi kwisikimu sonyaka.

Isifundo: Imisebenzi yezemali kwi-Excel

Njengoko ubona, usebenzisa inkqubo ye-Excel ekhaya, ungabala ngokulula intlawulo yemali mboleko yenyanga kwiskimu sonyaka, usebenzisa i-pl umqhubi wezi njongo. Ukongeza, ngoncedo lwemisebenzi ye-OSR kunye ne-PRT, kunokwenzeka ukubala isixa seentlawulo ngomzimba wemali mboleko kunye neepesenti zexesha elichaziweyo. Ukufaka yonke le misebenzi yeLungu