Indlela ukubala inzala elula?

Ipesenti - inxalenye wamakhulu inani. Usebenzisa kuyo, ungenza ukubala umyinge bonke ubukhulu. Simple Interest - le mali ukuba kukho ekupheleni kwethuba yenethiwekhi isibonelelo-mboleko yokuqala. Yena amaninzi isetyenziselwa ekubaleni imali ekhutshwe utyalo Accreted okanye mboleko. Bank imali kufuneka 'basebenze' uze uzise imali endodeni. Xa ukhupha umdla mboleko kubonakala - eli Iindleko zibalwa ngokwezibalo ukuba efunyenwe ngokubonelela ngemali-mboleko. Ukuba imali zaye zakhutshwa kuphela kwisixa, ibizwa ngokuba elula ipesenti. Bala ukuba angaba, zalathisi ezintathu:

1. Isixa semali ebolekiweyo okanye imali.
2. Umlinganiselo wenzala - izinga ezifunekayo ukubala inani umdla. It is a isivumelwano phakathi nombolekisi kunye obolekayo. Oku kuboniswa njengepesenti ngokohlobo namaqhezu aqhelekileyo okanye lokugqibela.
3. xesha - ixesha kufuneka uhlawule ngethuba apho.

Okuya uba mkhulu umsantsa ixesha apho imali inikwe, kokukhona umdla endodeni. lokuphumla Umgangatho ixesha kweentengiselwano zemali kakhulu kangangokuba kunyaka wekhalenda. Ngoko ke, i-akhawunti inzala elula emva kweli xesha kwi imali kanye, kuxhomekeke izinga lenzala.

Esi sikimu luthatha ukuba isiseko apho kukho umthetho, uya kuba ingatshintshwanga. Vumela credit ethathwe (okanye utyalo-mali) iya kulingana P, izinga lenzala - r. Imali kwi kwetyala ezithathwe kwi imeko umdla elula, ukuba eyinkunzi nombolekisi lo kunyusa nyaka yi-mali ka-IMizekeliso. Kwaye emva kweminyaka n kuya kuba nako ukufumana imali Sn: Sn = P + IMizekeliso + ... + IMizekeliso = P (1 + inombolo).

Ngamanye amazwi, ukuba ukuze ibhanki isixa semali mali ka amawaka 10 engange ukuba ipesenti elula, umzekelo 10%, ngoko ekupheleni konyaka kufuneka ahlawule amawaka 11 engange.

Sn = 10000 + 10000 x 10% = 11000 bagcobe.

Kwiminyaka emibini emva koko, esi sixa siya kuba ngamawaka 12 engange, yaye kwiminyaka emithathu - 13 amawaka engange.

Ekubeni fomula ubunjwe ngokwezintlu ezine, kunokwenzeka ukuba ukusombulula iindidi ezine iingxaki. Okokuqala - oku ukuzimisela ngqo inani ethe ezintathu ngasemva yeshishini: isixa mali, umyinge wenzala kunye nexesha mboleko. Le ndlela yokubala luchanekile ukuba ixesha ngetyala ngokulinganayo nyaka. Emva koko, le fomyula kuthetha ukuba izinga lenzala uyalingana:

r = S / P - 1 / n.

Ukuba sifuna ukuba ukubala kwiinyanga umdla elula, ifomula uya kuba jonga eyahlukileyo. Masithi ixesha lekhefu unikwa iinyanga ezi-3, ke ngoko r = S / P - 1:

R3 / 12 = P + IMizekeliso / (12 x 3).

Bala ipesenti isixa ixesha elithile ilula, usebenzisa ifomula umdla elula. Kuba lula ikhompyutha ukuguqula izinga lokugqibela. Kuba ukuba ixabiso layo yahlulwe ngo-100 (r / 100).

Izivumelwano zebhanki elikhankanyiweyo izinga lenzala, nto leyo umiselwe isithuba sonyaka omnye. Ngalo uyakwazi ukufumana imali yengeniso. Ukuba eli xabiso lahlulwe ngenani leentsuku ngonyaka, kunokwenzeka ukuba ukuqinisekisa isixa umdla ngosuku. Isixa senzala ngemihla liphindaphindwe ixesha ofunekayo, sinike ingeniso ngelo xesha accounting.

Umzekelo, imali-mboleko S lokuqala - amawaka 200 engange .. umyinge wenzala - 14.5%. billing inyanga enye (okanye iintsuku ezingama-31). Injongo: Ukuze kubalwe le mali kuyimfuneko ukuba ihlawulwe semali-mboleko. isicombululo:

200 x 14.5 / 100 x 31/365 = 2,463 amawaka. Hlikihla.