Ukubalwa kwe-annuity pay ku-Excel

Ngaphambi kokuthatha imalimboleko, kungaba kuhle ukubala konke ukukhokha kuwo. Kuzosindisa obolekayo ngokuzayo kusuka ezinkingeni ezahlukahlukene ezingalindelekile kanye nokudumazeka lapho kuvela ukuthi ngokweqile lokho kukhulu kakhulu. Usizo kulokhu kubalwa kungaba amathuluzi wohlelo lwe-Excel. Ake sibheke ukuthi ungabala kanjani izinkokhelo ze-annuity kwimalimboleko kulolu hlelo.

Ukubalwa kwenkokhelo

Okokuqala, kufanele kushiwo ukuthi kunezinhlobo ezimbili zezinkokhelo zesikweletu:

• Kuhlukaniswe;
• I-Annuity.

Ngohlelo oluhlukile, iklayenti liletha isabelo esilinganayo senyanga sokukhokha emzimbeni wemalimboleko yemalimboleko yemalimboleko. Ubukhulu bokukhokha inzalo njalo ngenyanga buyancipha, njengoba umzimba wemalimboleko uncishiswe lapho kubalwa khona. Ngakho-ke, inkokhelo yenyanga yonke iyancishiswa.

U-Ann anti Scheme usebenzisa indlela ehlukile. Iklayenti lenza inani elilodwa lokukhokha okuphelele njalo ngenyanga, eliqukethe izinkokhelo emzimbeni wemalimboleko nokukhokha inzalo. Ekuqaleni, iminikelo yenzalo ibalwa kulo lonke inani lemalimboleko, kepha njengoba umzimba wehla, inzalo incishisiwe futhi inentshisekelo ye-Intfery. Kepha inani eliphelele lokukhokha lihlala lingashintshiwe ngenxa yokwanda kwanyanga zonke kwenani lokukhokha ngumzimba wemalimboleko. Ngakho-ke, ngokuhamba kwesikhathi, ingxenye yentshisekelo yemali ephelele yanyanga zonke iyawa, futhi isisindo sengxenye yomzimba sikhula. Ngasikhathi sinye, inkokhelo ejwayelekile yanyangazonke ayiguquki kulo lonke isikhathi sesikweletu.

Uma nje kubalwa inkokhelo ye-annuity, sizoma. Ikakhulu, lokhu kufanele, ngoba manje iningi lamabhange lisebenzisa lolu hlelo oluthile. Kuyinto elula kumakhasimende, ngoba kulokhu inani eliphelele lokukhokha alishintshi, asele lihleliwe. Amakhasimende ahlala azi ukuthi udinga ukukhokha malini.

Isinyathelo 1: Ukubalwa Kwezandla Kwenyanga

Ukubala umnikelo wanyanga zonke lapho usebenzisa umjikelezo we-annuity ku-Efpelle, kunomsebenzi okhethekile - i-PPT. Kusho isigaba sabasebenza ngokwezezimali. Ifomula yalesi sici imi ngale ndlela elandelayo:

= I-PPT (isilinganiso; I-KBER; I-PS; BS; Uhlobo)

Njengoba sibona, umsebenzi obekiwe unenombolo enkulu yezimpikiswano. Kuliqiniso, ezimbili zazo zokugcina aziphoqelekile.

Ingxabano ethi "Rate" ikhombisa isilinganiso samaphesenti isikhathi esithile. Uma, ngokwesibonelo, kusetshenziswa isilinganiso sonyaka sonyaka, kepha inkokhelo yemalimboleko yenziwa njalo ngenyanga, khona-ke isilinganiso sonyaka kufanele sihlukaniswe ngo-12 kanti umphumela usetshenziswa njengengxabano. Uma kufakwa uhlobo lwekota lokukhokha, khona-ke kuleli cala lapho ukubheja konyaka kumele kuhlukaniswe ngo-4, njll.

"I-CPI" isho inani eliphelele lezikhathi zemalimboleko. Okungukuthi, uma imali mboleko ithathwe unyaka owodwa ngemali ekhokhwa njalo ngenyanga, khona-ke inani lezikhathi libhekwa njenge-12, uma iminyaka emibili, bese kuba yimali mboleko - 24. Uma imali mboleko ithathwa iminyaka emibili ngenkokhelo yekota, khona-ke Inani lezikhathi zingu-8.

"I-PS" ikhombisa inani lamanje okwamanje. Ekhuluma ngamagama alula, leli inani eliphelele lemalimboleko ekuqaleni kokubolekwa, okungukuthi, inani olibolekile, ngaphandle kwenzalo nezinye izinkokhelo ezengeziwe.

"BS" izindleko ezizayo. Leli nani lizoba ngumzimba wemalimboleko ngesikhathi sokuqedwa kwesivumelwano semalimboleko. Ezimweni eziningi, le ngxabano ithi "0", ngoba obolekayo ekugcineni kwesikhathi sesikweletu kufanele ahlale ngokugcwele nombolekisi. Ukuphikisana okucacisiwe akuphoqelekile. Ngakho-ke, uma kwehla, kubhekwa njenge-zero.

Ukuphikisana "kohlobo" kunquma isikhathi sokubala: ekugcineni noma ekuqaleni kwesikhathi. Esimweni sokuqala, kuthatha inani elithi "0", nakwesibili - "1". Izikhungo eziningi zasebhange zisebenzisa ngqo inketho ngenkokhelo ekugcineni kwenkathi. Le ngxabano nayo iyakhethwa, futhi uma ishiyiwe, kukholelwa ukuthi kungu-zero.

Manje sekuyisikhathi sokufudukela esibonelweni esithile sokubala umnikelo wanyanga zonke usebenzisa umsebenzi we-PL. Ukubala, sisebenzisa itafula nedatha yomthombo, lapho inani lenzalo kwimalimboleko (12%) likhonjisiwe, inani lemalimboleko (ama-ruble angama-500,000) nesikhathi semalimboleko (izinyanga ezingama-24). Ngasikhathi sinye, inkokhelo yenziwa njalo ngenyanga ekugcineni kwesikhathi ngasinye.

1. Khetha into eshidi lapho umphumela umphumela uzoboniswa, bese uqhafaza isithonjana esithi "Insert Function", ebekwe eduze kwefomula ROR.



2. Iwindows Wizard Wizard yethulwa. Esigabeni "sezezimali" sabela igama elithi "Plt" bese uqhafaza inkinobho ethi "Kulungile".



3. Ngemuva kwalokho, ivula iwindi lezimpiko le-PL opharetha.

   Ensimini ethi "Rate", kufanele ufake inani lephesenti lesikhathi. Lokhu kungenziwa ngesandla, nje ukubeka iphesenti, kepha kuboniswa kuseli elihlukile ephepheni, ngakho-ke sizonikeza isixhumanisi salo. Faka isikhombisi enkundleni, bese uqhafaza kwiseli ehambisanayo. Kepha, njengoba sikhumbula, sinesibalo senzalo yonyaka etafuleni lethu, futhi isikhathi sokukhokha silingana nenyanga. Ngakho-ke, sihlukanisa ukubheja unyaka nonyaka, futhi sixhumanisa isixhumanisi esisesitokisini lapho siqukethe inombolo engu-12, ehambelana nenani lezinyanga ngonyaka. Ukwahlukana kugijima ngqo enkundleni ye-Bussage Windon.

   Ensimini ye-CBI, ukubolekwa kusethiwe. Ulingana nezinyanga ezingama-24. Ungafaka isicelo kwinkambu yenombolo engu-24 ngesandla, kepha thina, njengasesimweni esedlule, chaza ukuxhumana nendawo kule nkomba etafuleni lomthombo.

   Ensimini "I-PS" ikhombisa inani lemalimboleko yokuqala. Ilingana nama-ruble angama-500,000. Njengasezimweni ezedlule, sicacisa isixhumanisi sento yamaqabunga, equkethe le nkomba.

   Ensimini "BS" ikhombisa ubukhulu bemalimboleko, ngemuva kokukhokha ngokuphelele. Njengoba ukhumbula, leli nani licishe lihlale likhona. Faka kule nkambu inombolo "0". Yize le ngxabano ingahle ishiywe.

   Ensimini ethi "hlobo", sicacisa ekuqaleni noma ekugcineni kwenkokhelo yenyanga yenziwa. We, njengasezimweni eziningi, kukhiqizwa ngasekupheleni kwenyanga. Ngakho-ke, sibeka inombolo "0". Njengasendabeni yengxabano eyedlule, kungenzeka ukufaka noma yini kule nkambu, bese uhlelo oluzenzakalelayo luzocabanga ukuthi kungu-zero lilingana nalo.

   Ngemuva kwayo yonke imininingwane ifakiwe, cindezela inkinobho ethi "Kulungile".



4. Ngemuva kwalokho, esitokisini esabelwe esigabeni sokuqala sale ncwadi, umphumela wokubalwa uyakhonjiswa. Njengoba ukwazi ukubona, ubukhulu bokukhokha okujwayelekile kwanyanga zonke kwimalimboleko ngama-ruble angama-23536.74. Akuvumeli ukudidanisa isibonakaliso "-" Ngaphambi kwaleli nani. Ngakho-ke ukudingiswa kukhombisa ukuthi lokhu kungukugeleza kwemali, okungukuthi, ukulahleka.



5. Ukuze ubale inani eliphelele lokukhokha kwalo lonke isikhathi semalimboleko, kucatshangelwa ukukhokha komzimba wemalimboleko kanye nenzalo yanyanga zonke, kuphinde kwanda inani lenkokhelo yanyanga zonke (izinyanga ezingama-24 ). Njengoba ubona, inani eliphelele lezinkokhelo yalo lonke isikhathi semalimboleko esimweni sethu kwakungama-ruble angama-564881.67.



6. Manje usungakwazi ukubala inani lokukhokha imali yemalimboleko. Ukuze wenze lokhu, kuyadingeka ukuthatha inani eliphelele lokukhokha kwimalimboleko, kufaka phakathi inzalo kanye nomzimba wemalimboleko, inani lokuqala lithi. Kepha siyakhumbula ukuthi owokuqala walawa magugu asevele ephethe uphawu "-". Ngakho-ke, ngokuqondile, icala lethu livela ukuthi badinga ukunqotshwa. Njengoba sibona, ukweqiwa okuphelele kwemalimboleko isikhathi sonke kwakungama-ruble angama-64881.67.

Isifundo: I-Master of Imisebenzi ku-Excel

Isigaba 2: Imininingwane Yokukhokha

Futhi manje, ngosizo lwabanye opharetha we-Excel, senza imininingwane yanyanga zonke yezinkokhelo ukubona ukuthi malini ngenyanga ethile esikhokha ngayo ngomzimba wemalimboleko, nokuthi inani lenzalo lingakanani. Ngalezi zinhloso, umnyama etafuleni elidingisiwe, esizogcwalisa imininingwane. Imigqa yaleli thebula izoba nesibopho esikhathini esihambisanayo, okungukuthi, inyanga. Njengoba kunikezwe ukuthi isikhathi sokuboleka yizinyanga ezingama-24, inani lemigqa lizobe lifanele. Amakholomu akhombise umzimba wemalimboleko, izinkokhelo zenzalo, inkokhelo ephelele yanyanga zonke, okuyingxenye yamakholomu amabili edlule, kanye nenani elisele lokukhokha.

1. Ukunquma inani lokukhokha ngumzimba wemalimboleko, sebenzisa umsebenzi we-OSP, oyenzelwe nje lezi zinhloso. Sisungula isikhombisi esitokisini, esitholakala emgqeni "1" nakukholamu "ukukhokha ngumzimba wemalimboleko". Chofoza inkinobho ethi "PASTE function".



2. Iya kuMphathi Wemisebenzi. Esigabeni "Kwezezimali", sibona igama elithi "OSPLT" bese uqhafaza inkinobho ethi "KULUNGILE".



3. Izimpikiswano zokuqala kwezingxabano ze-OSP Operation. Ine-syntax elandelayo:

   = U-Ossult (isilinganiso; inkathi; kr; I-PS; I-PS; BS)

   Njengoba sikwazi ukubona, izimpikiswano zalesi sici cishe zihlangana ngokuphelele nezimpikiswano zomsebenzi we-PLT, kuphela esikhundleni sengxabano yokuphikisana "Ndawo". Kubonisa inani lesikhathi sokukhokha, futhi esimweni sethu esithile ngenombolo yenyanga.

   Gcwalisa izimpikiswano ze-OSR function eziphikisayo esivele zisijwayeze yidatha efanayo, eyayisetshenziselwa umsebenzi we-PL. Vele unikeze iqiniso lokuthi ngokuzayo, ukukopisha ifomula kuzosetshenziswa umaki wokugcwalisa, udinga ukwenza zonke izixhumanisi emasimini ngokuphelele ukuze zingaguquki. Lokhu kudinga ukubeka uphawu lwedola ngaphambi kwenani ngalinye lezixhumanisi ezimile nezivundlile. Kepha kulula ukukwenza, vele ukhethe izixhumanisi bese uchofoza kukhiye we-F4 function. Isibonakaliso sedola sizofakwa ezindaweni ezifanele ngokuzenzakalelayo. Futhi asikhohlwa ukuthi ukubheja okwaminyaka yonke kumele kuhlukaniswe kwaba ngu-12.



4. Kepha sinenye impikiswano entsha, eyayingekho kusuka ku-PL umsebenzi. Le ngxabano "yengxabano". Ensimini efanelekile, setha ireferensi kwiseli yokuqala yekholomu "yesikhathi". Le nto yeshidi iqukethe inombolo "1", ebonisa inani lenyanga yokuqala yokuboleka. Kepha ngokungafani nezinkambu ezedlule, sishiya isixhumanisi esihlobene nenkambu ebekiwe, futhi singabenzi ngokuphelele kukho.

   Ngemuva kwayo yonke imininingwane esasikhuluma ngayo ngenhla kwethulwa, cindezela inkinobho ethi "KULUNGILE".



5. Ngemuva kwalokho, esitokisini, esabeka ngaphambili, inani lokukhokha ngomzimba wemalimboleko ngenyanga yokuqala lizovela. Kuzoba ngama-ruble angama-18536.74.



6. Ngemuva kwalokho, njengoba kushiwo ngenhla, kufanele sikopishe le formula kumangqamuzana ekholamu asele asebenzisa umaki wokugcwalisa. Ukuze wenze lokhu, setha isikhombisi ekhoneni elingezansi kwesokudla seseli, eliqukethe ifomula. Isikhombisi siguqulwa siye esiphambanweni, esibizwa ngokuthi umaki wokugcwalisa. Chofoza inkinobho yegundane kwesokunxele bese uyidonsa kuze kube sekupheleni kwetafula.



7. Ngenxa yalokhu, yonke ikholomu yeseli igcwalisiwe. Manje sineshadi lokukhokha imali mboleko njalo ngenyanga. Njengoba kushiwo ngenhla, inani lokukhokha kulesi sihloko liyakhuphuka ngesikhathi ngasinye esisha.



8. Manje kudingeka senze ukubalwa kwanyanga zonke ngenzalo. Ngalezi zinhloso, sizosebenzisa opharetha we-PRT. Sabela iseli lokuqala elingenalutho ku- "Izinkokhelo zamaphesenti e-PAYPERS". Chofoza inkinobho ethi "PASTE function".



9. Emisebenzini ye-Master yemisebenzi esigabeni esithi "sezezimali", siveza amagama aseNamp. Yenza ngokuchofoza inkinobho ethi "KULUNGILE".



10. Iwindows lezimpina lomsebenzi we-TRP liqala. I-syntax yayo ibukeka kanjena:

    = I-PRT (isilinganiso; inkathi; i-CPU; I-PS; bs)

    Njengoba sikwazi ukubona, izimpikiswano zalo msebenzi zifana ngokuphelele nezinto ezifanayo ze-OPSPER. Ngakho-ke, vele ufake idatha efanayo ewindini esilifakile ewindini langaphambilini lezimpikiswano. Asikhohlwa ukuthi inkomba yensimu "yesikhathi" kufanele ibe yisihlobo, futhi kuzo zonke ezinye izinkambu izixhumanisi kufanele zilethwe kwifomu eliphelele. Ngemuva kwalokho, chofoza inkinobho ethi "Kulungile".



11. Ngemuva kwalokho umphumela wokubala inani lokukhokha ngenzalo yemalimboleko yenyanga yokuqala ekhonjiswa esitokisini esihambisanayo.



12. Ukusebenzisa umaki wokugcwalisa, yenza ukukopisha ifomula kube yizinto ezisele zekholomu, ngale ndlela ethola isheduli yanyanga zonke yamaphesenti wemalimboleko. Njengoba sikwazi ukubona, njengoba kwashiwo ngaphambili, kusukela ngenyanga kuya ngenyanga inani lalolu hlobo lokukhokha liyancipha.



13. Manje kufanele sibala imali ekhokhwa njalo ngenyanga. Kulesi sibalo, umuntu akufanele aphenduke kunoma yimuphi opharetha, njengoba ungasebenzisa ifomula elula ye-arithmetic. Sigoqa okuqukethwe kwamaseli enyanga yokuqala yamakholomu "Ukukhokha ngomzimba wemalimboleko" kanye "nentshisekelo ephelele". Ukuze wenze lokhu, setha isibonakaliso "=" esitokisini sokuqala esingenalutho sekholomu "inkokhelo yanyanga zonke". Bese uchofoza kulezi ezimbili ezingenhla ngokubeka uphawu "+" phakathi kwabo. Chofoza inkinobho ethi Enter.



14. Okulandelayo, usebenzisa umaki wokugcwalisa, njengasezimweni ezedlule, gcwalisa ikholomu yedatha. Njengoba sikwazi ukubona, kulo lonke isenzo senkontileka, inani lenkokhelo ephelele yanyanga zonke, okubandakanya ukukhokhwa komzimba wemalimboleko nokukhokhwa kwenzalo, kuzoba ngama-ruble angama-23536.74. Empeleni, sesivele sibale le nkomba ngaphambi kokusebenzisa i-PPT. Kepha kulokhu kuvezwa ngokucacile, ngokunembile njengenani lokukhokha ngumzimba wemalimboleko nentshisekelo.



15. Manje udinga ukwengeza idatha kwikholamu, lapho ibhalansi yenani lemalimboleko iboniswa njalo ngenyanga, okusadingeka ukuthi ikhokhele. Esitokisini sokuqala sekholamu "ibhalansi ukukhokha" Ukubalwa kuzoba lula kakhulu. Sidinga ukususwa kubukhulu bokuboleka kwemalimboleko, okucaciswe etafuleni elinedatha eyinhloko, inkokhelo ngumzimba wemalimboleko yenyanga yokuqala etafuleni elibaliwe. Kepha, unikezwe iqiniso lokuthi elinye lamanani esivele sihamba nesibonakaliso "-", khona-ke akufanele lisuswe, kodwa ukuze ligoqe. Sikwenza futhi sichofoze inkinobho ethi Enter.



16. Kepha ukubalwa kwebhalansi ukukhokha ngemuva kwezinyanga zesibili nelandelayo ezilandelayo kuzoba nzima ngokwengeziwe. Ukuze senze lokhu, kudingeka sisuse emzimbeni wemalimboleko ukuze sibolekwe inani eliphelele lokukhokha ngumzimba wemalimboleko yemalimboleko yemalimboleko yemalimboleko eyedlule. Faka uphawu lwe- "=" esitokisini sesibili sekholamu "isigodlo ukukhokha". Okulandelayo, chaza ukuxhumana esitokisini, esiqukethe inani lemalimboleko yokuqala. Sikwenza ngokuphelele, siqokomise futhi sicindezele ukhiye we-F4. Ngemuva kwalokho sabeka isibonakaliso esithi "+ ', njengoba sinencazelo yesibili futhi ilungile. Ngemuva kwalokho, chofoza inkinobho ethi "Insert Function".



17. I-Master of Imisebenzi yethulwa, lapho udinga ukuhambisa esigabeni "Mathematics". Lapho, sabela "izibalo" ezibhaliwe bese sicindezela inkinobho ethi "Kulungile".



18. Iwindi lezimpikiswano liqala ukuphikisana komsebenzi. U-opharetha ocacisiwe usebenza ukufingqa imininingwane kumaseli okudingeka awenze 'ekukhokhelweni yikholomu yemalimboleko yemalimboleko'. Ine-syntax elandelayo:

    = Amanani (inombolo1; inombolo2; ...)

    Njengezimpikiswano, izinkomba kumaseli lapho kutholakala khona izinombolo. Sibeka ikhesa enkambini "yenombolo1". Bese uphinise inkinobho yegundane kwesobunxele bese ukhetha amaseli amabili okuqala e-Credit Bork Column eshidini. Ensimini, njengoba sibona, kuvela isixhumanisi esiya ebangeni. Siqukethe izingxenye ezimbili ezihlukaniswe yi-colon: izinkomba zohlu lokuqala lobubanzi futhi kweyokugcina. Ukuze ukwazi ukukopisha ifomula ebekiwe ngokuzayo ngophawu lokugcwalisa, senza isixhumanisi sokuqala ebangeni eliphelele. Siyigqabisisa bese uchofoza inkinobho yokusebenza kwe-F4. Ingxenye yesibili yesethenjwa futhi ushiye isihlobo. Manje, lapho usebenzisa umaki wokugcwalisa, uhla lokuqala lobubanzi luzolungiswa, futhi eyokugcina izokwelula njengoba ihamba ezansi. Lokhu kuyadingeka ngathi ukufeza izinhloso. Okulandelayo, chofoza inkinobho ethi "Kulungile".



19. Ngakho-ke, umphumela webhalansi yesikweletu sesikweletu ngemuva kwenyanga yesibili ukhishwe esitokisini. Manje, ukuqala ngaleli seli, senza ukukopisha ifomula ibe yizinto ezingenalutho ezisebenzisa umaki wokugcwalisa.



20. Ukubalwa kwanyanga zonke kwezinsalela ukukhokha kwimalimboleko yenzelwe isikhathi sonke sesikweletu. Njengoba kufanele kube, ekugcineni komnqamulajuqu, leli nani liyi-zero.

Ngakho-ke, asizange simane sibukele inkokhelo yemalimboleko, kepha sahlela uhlobo lokubala lwesikweletu. Okuzosebenza ngohlelo lwe-annuity. Uma etafuleni lomthombo thina, ngokwesibonelo, sishintsha inani lemalimboleko kanye nenani lenzalo yonyaka, bese etafuleni lokugcina kuzoba nokuvuselelwa kwedatha okuzenzakalelayo. Ngakho-ke, ingasetshenziswa hhayi kanye kuphela kwicala elithile, kodwa ukufaka ezimweni ezahlukahlukene ukubala izinketho zesikweletu kuhlelo lwe-annuity.

Isifundo: Imisebenzi yezezimali e-Excel

Njengoba ukwazi ukubona, usebenzisa uhlelo lwe-Excel ekhaya, ungakwazi ukubala kalula inkokhelo yemalimboleko yemalimboleko ephelele yohlelo lwe-annuity, usebenzisa opharetha we-PL ngalezi zinhloso. Ngaphezu kwalokho, ngosizo lwemisebenzi ye-OSR ne-PRT, kungenzeka ukubala inani lokukhokha ngumzimba wemalimboleko namaphesenti wesikhathi esibekiwe. Kusetshenziswa yonke le mithwalo kanye nemithwalo ndawonye, ​​kungenzeka ukudala umshini wokubala wesikweletu onamandla ongasetshenziswa ngaphezu kwesisodwa ukubala inkokhelo ye-annuity.