Waa maxay danta xarunta iyo waxa ay faa'ido?

Ka hor inta qof kasta oo doonaya in la furo a xisaab bangi, hawsha doorashada nooca ugu fiican oo ugu faa'iido xisaab bangi. Oo haddii badan ama ka yar si cad la bangiyada - ay macquul tahay in maraan ee ratings badan oo dooran xafiiska, taas oo ku taala meel aan ka fogayn meesha uu deggan yahay, ka doorashada ee nooca xisaabta xaaladda ay tahay mid wax badan ka adag. Maxaa yeelay, marka lagu daro heerka dulsaarka waa in la tixgeliyaa xitaa suurtagal ah in badalkooda deposit, hore baxaan, habka xisaabinta xiiso iyo arrimo kale. Waxa intaa dheer in tirada boqolleyda waa muhiimad weyn noociisa ah. Tixgeli si faahfaahsan kala fudud a iyo boqolkiiba adag.

Interest Simple. formula xisaabinta

Iyada oo dan fudud , wax walba waa cad yahay, maxaa yeelay, waxaa soo bartay dugsiga. Waxa kaliya in la xasuusto waa in dulsaarka waxaa had iyo jeer la tilmaamay ee sannadka. Isla markiiba caanaha laftiisa ayaa foomka:

CC = NA + NA * i * NA = n * (1 + i n *), halkaas oo

NA - lacagta bilowga ah,

COP - wadarta final,

i - qiimaha dulsaarka. Si aad ku shubi muddo 9 bilood iyo heerka of 10%, i = 0,1 * 9/12 = 0.075 ama 7.5%,

n - tirada xilliyada sii daray.

Tixgeli dhowr tusaale:

1. Maal wuxuu dhigaa 50 kun. Rubles deebaaji muddo 6% APR 4 bilood.

COP = 50000 * (1 + 0,06 * 4/12) = 51000,00 p.

2. deposit Term 80 kun. Rubles ka yar 12% sannadkii for 1.5 sano. Xaaladdan oo kale, danta bixisay ku salaysan afartii biloodba in card, (waayo, deposit ma xiran).

COP = 80000 * (1 + 0,12 * 1,5) = 94400,00 p. (Sida lacagta biloodle ah oo xiiso aan ku daray in ay lacagta deebaajiga, wadarta final in xaaladdu tani ma aha saameysey)

3. Maal The go'aansaday inuu ku riday 50,000 rubles deebaaji muddo at 8% sannadkii muddo 12 bilood ah. Ogol yahay in ay buuxiyaan badalkooda deposit iyo xisaabta waxaa lagu sameeyey at 91 maalmood in xaddiga 30,000 rubles.

Xaaladdan oo kale, waxaad u baahan tahay si ay u xisaabiso xiiso on labada tiro. First - taasi waa 50,000 p. iyo 1 sano, oo kii labaadna wuxuu ahaa 30,000 rubles iyo 9 bilood.

KC1 = 50000 * (1 + 0,08 * 12/12) = 54000 on p.

KC2 = 30000 * (1 + 0,08 * 9/12) = 31800 on p.

CS = CS1 + CS2 = 54000 + 31800 = 85800 p.

Interest xarunta. formula xisaabinta

Haddii shuruudaha deebaajiga muujinaysaa in xaraf ah ama reinvestment, waxa la sheegay in kiiskan, xiisaha xarunta waxaa loo isticmaali doonaa, oo xisaabinta lagu sameeyo caanaha soo socda:

COP = (1 + i) ⁿ * NA

Tilmaamood la mid yihiin in caanaha danta fudud.

Waxaa dhacdo in danta la bixiyaa si joogta ah in ka badan hal mar sannadkii. Xaaladdan oo kale, dhib badan boqolkiiba waxaa loo xisaabiyaa wax yar ka duwan:

COP = (1 + i / a) ^NK * NA, halkaas oo

in - inta jeer ee kaydka ah sanadkiiba.

Back to our Tusaale ahaan, taas oo Bank ayaa ansixiyay deposit muddo 80 kun. Rubles ka yar 12% sannadkii for 1.5 sano. Qabtaan xiiso in sidoo kale waa la bixin saddexdii biloodba mar, laakiin markan ay lagu dari doonaa jirka ah ee deebaajiga. Taasi waa, waxaan la xarfo ku shubi doonaa.

COP = ^{(1 + 0,12 / 4) 4} * 1.5 * 800000 = 95524.18 p.

Sida aad hore u dareentay laga yaabaa, natiijada ahayd 1124,18 rubles dheeraad ah.

Faa'iidada of biirsaday

xiisaha xarunta marka loo eego fudud had iyo jeer keentaa faa'iido dheeraad ah, iyo farqiga this kordhay muddo ka dhaqso iyo si dhakhso ah. Hannaanku wuxuu awoodo inuu badalo caasimadda wax bilowga ah ee mishiinka aad u faa'iido kaliya isaga siin baahan waqti ku filan. Isla mar, Albert Einstein loo yaqaan danta xarunta ciidamada ugu awooda badan ee dabiiciga ah. Marka la barbar dhigo noocyada kale ee maalgashiga sida nooca kaalin uu leeyahay faa'iidooyin la taaban karo, gaar ahaan marka Maal doorto muddo dheer. Marka la barbar dhigo kaydka, xiisaha xarunta halis badan ka yar oo dhaaraheedii ay deggan dhali dakhliga yar. Dabcan, bangiga kasta oo laga yaabaa in ugu danbeyn la duntay (wax dhici kara), laakiin doorashada hay'ad maaliyadeed in ka qayb nidaamka gobolka caymiska deposit, taas oo loo yareeyo khatarta.

Sidaas darteed, waxaan dhihi karaa in xiisaha xarunta waa rajada uga weyn yahay ku dhawaad kasta oo alaabta muusikada dhaqaale.