Kuti tiwonetse ntchito zandalama zodziwika bwino za Excel, tilingalira zangongole yokhala ndi malipiro apamwezi, chiwongola dzanja 6% pachaka, nthawi ya ngongoleyi ndi zaka 6, mtengo wapano (Pv) ndi $ 150000 (ndalama ya ngongole) ndi mtengo wamtsogolo (Fv) adzakhala wofanana ndi $0 (izi ndi ndalama zomwe tikuyembekeza kulandira pambuyo pa malipiro onse). Timalipira pamwezi, kotero muzambiri mlingo werengera mlingo wa pamwezi 6%/12=0,5%, ndi m’gawo nper werengera kuchuluka kwa nthawi zolipira 20*12=240.
Ngati malipiro pa ngongole yomweyo amapangidwa 1 kamodzi pachaka, kenako m’gawo mlingo muyenera kugwiritsa ntchito mtengo 6%, ndi m’gawo nper - mtengo 20.
PLT
Sankhani selo A2 ndi kuyika ntchito PLT (PMT).
Kufotokozera: Mfundo ziwiri zomaliza za ntchitoyi PLT (PMT) ndizosankha. Tanthauzo Fv ikhoza kusiyidwa pa ngongole (mtengo wamtsogolo wa ngongoleyo ukuyembekezeka kukhala $0, koma mu chitsanzo ichi mtengo Fv zogwiritsidwa ntchito kuti zimveke). Ngati mkangano Type sizinatchulidwe, zimaganiziridwa kuti malipiro amaperekedwa kumapeto kwa nthawi.
Zotsatira: Malipiro a pamwezi ndi $ 1074.65.
Tip: Mukamagwira ntchito ndi ndalama ku Excel, nthawi zonse dzifunseni funso: Kodi ndikulipira (mtengo wolipira woyipa) kapena ndikulipidwa (mtengo wolipirira wabwino)? Timabwereka $150000 (zabwino, timabwereka ndalamazi) ndipo timalipira mwezi uliwonse $1074.65 (zoyipa, timabwezera ndalamazi).
RATE
Ngati mtengo wosadziwika ndi mlingo wa ngongole (Rate), ndiye kuti ukhoza kuwerengedwa pogwiritsa ntchito ntchitoyi RATE (RATE).
KPER
ntchito KPER (NPER) ndizofanana ndi zam'mbuyomu, zimathandizira kuwerengera kuchuluka kwa nthawi zolipira. Ngati timalipira pamwezi $ 1074.65 pa ngongole ndi nthawi ya zaka 20 ndi chiwongola dzanja 6% pachaka, timafunikira 240 miyezi kuti mulipire ngongole yonse.
Tikudziwa izi popanda mafomula, koma titha kusintha malipiro apamwezi ndikuwona momwe izi zimakhudzira kuchuluka kwa nthawi zolipira.
Kutsiliza: Ngati tilipira pamwezi $2074.65, tidzalipira ngongoleyo pasanathe miyezi 90.
PS
ntchito PS (PV) imawerengera mtengo wangongole womwe ulipo. Ngati tikufuna kulipira pamwezi $ 1074.65 malinga ndi kutengedwa zaka 20 ngongole ndi mtengo wapachaka 6%Kodi ngongole iyenera kukhala yanji? Inu mukudziwa kale yankho.
BS
Pomaliza, ganizirani ntchitoyo BS (FV) kuti muwerengere mtengo wamtsogolo. Ngati timalipira pamwezi $ 1074.65 malinga ndi kutengedwa zaka 20 ngongole ndi mtengo wapachaka 6%Kodi ngongoleyo idzalipidwa zonse? Inde!
Koma ngati ife kuchepetsa malipiro pamwezi kuti $ 1000ndiye pakatha zaka 20 tidzakhalabe ndi ngongole.
