Me pēhea te ki te tātai i te moni whakatupu ohie?

Te ōrau - he o te tau wahi whakarau. Mā te reira, ka taea e koe te tātai i te ōwehenga o te rahi katoa. Interest Simple - ko te nui e ko reira i te mutunga o te wā nama mo te whakarato o te taurewa taketake tenei. Kei te tino maha whakamahia ia mo te tātaitanga o te moni i whakaputaina i haumi Accreted ranei loans. Bank kia moni "mahi", me te kawe moni ki te tangata nana i. A, no te tuku i te moni taurewa puta reira - tatau tenei utu te pāngarau ki kia roaa i te kai o taurewa. Ki te i noa whakaputaina moni i runga i te nui, e kiia ana ko te kuware ōrau. Tātaihia taea e te reira, ki toru tohu:

1. Ko te nui o te moni tarewa i roto i haumi ranei.
2. Ko te auau huamoni - te auau e hiahiatia ana ki te tātai i te nui o te moni. Ko te kirimana i waenganui i te kaituku me te nama. Kei te whakahuatia te reira i rite te ōrau i roto i te puka o hautau noa ira ranei.
3. wā Time - te wā i roto i nei me utu e koe.

Ko te nui o te wā mo i hoatu te taurewa e, te nui te moni o te tangata nana i. tino maha he wā paerewa o te wā i roto i ngā whakawhitinga pūtea te tau maramataka. Na reira, i te pūkete moni ohie hoki i muri riro kotahi i tenei wā i runga i te nui, i runga i te auau huamoni rānei.

riro ana tēnei kaupapa e te turanga i runga i nei i reira ko te ako, ka e tonu. Kia te tangohia nama (haumi ranei) ka kia rite ki P, te auau huamoni - r. Moni i roto i te nama tangohia i runga i te huru o te moni ohie, ki te faarahi te whakapaipai kaituku tau i te nui o Pr. A i muri i n tau ka waiho reira taea ki te farii i te nui o SN: sn = P + Pr + ... + Pr = P (1 + nr).

I roto i te mau parau te tahi atu, ki te tango koe ki te pareparenga te nui o te moni i roto i te nui o te 10 mano moni mo te ōrau ohie, hei tauira 10%, ka i te mutunga o te tau i ki te utu 11 mano moni.

Sn = 10000 + 10000 x 10% = 11000 te horoitanga i.

E rua tau i muri mai, ka waiho tenei nui 12 mano moni, a i roto i te toru tau - 13 mano moni.

Mai titoa te tātai e o wha taurangi, he mea ka taea ki te whakaoti wha momo o raruraru. Tuatahi - Ko te faaotiraa tika o te maha o putu me toru muri o te mahi tenei: te nui o haumi, auau huamoni me te wā taurewa. Ko te tika tenei tātai, ki te te nama wā rite ki tau. Na, tenei tātai fakahu'unga e te auau huamoni he rite ki:

r = S / P - 1 / n.

Ki te hiahia tatou ki te tātai i roto i te marama moni kuware, ka whai i te titiro rerekē te tātai. Tera pea e hoatu te wā wa e 3 marama, ka r = S / P - 1:

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

Tātaihia te ōrau o te moni mo te tetahi wā he kuware, te whakamahi i te tātai o te moni ohie. Hoki te māmā o te tätaitanga taui auau i roto i te ira. Hoki e wehea tona uara e 100 (r / 100).

Ko te auau huamoni kirimana pēke tohua, kua whakatakotoria nei mo te wā o te tau kotahi. Ki reira ka taea e koe te whakatau i te nui o te moni. Ki te tahuri iho tenei uara i te maha o nga ra i roto i te tau, ko reira ka taea ki te whakatau i te nui o te moni ia ra. Ko te nui o te moni o ia rā whakanuia e te wā e hiahiatia ana, e hoatu a matou moni mo taua wā kaute.

Hei tauira, te nui o te S taurewa taketake - 200 mano moni .. auau Interest - 14.5%. wā Namanama Ko kotahi marama (31 ra ranei). Whāinga: Hei tātai i te nui e tika ana ki te kia utua mo te taurewa. otinga:

200 x 14.5 / 100 x 31/365 = 2,463 mano. Mirimiria.