No ka hōʻike ʻana i nā hana kālā Excel kaulana loa, e noʻonoʻo mākou i kahi hōʻaiʻē me nā uku o kēlā me kēia mahina, ka uku uku 6% i kēlā me kēia makahiki, ʻo ka manawa o kēia hōʻaiʻē 6 makahiki, ka waiwai o keia manawa (Pv). $ 150000 (ka nui o ka aie) a me ka waiwai e hiki mai ana (Fv) e like me $0 (ʻo ia ka nui a mākou e manaʻo ai e loaʻa ma hope o nā uku āpau). Uku mākou i kēlā me kēia mahina, pēlā ma ke kolamu uku e helu i ka helu mahina 6%/12=0,5%, a ma ke kolamu nper e helu i ka huina o na manawa uku 20*12=240.
Inā uku ʻia ka hōʻaiʻē hoʻokahi 1 hoʻokahi manawa i ka makahiki, a laila ma ke kolamu uku pono ʻoe e hoʻohana i ka waiwai 6%, a ma ke kolamu nper – waiwai 20.
PLT
E koho i ke kelepona A2 a hoʻokomo i ka hana PLT (PMT).
Wehewehe: ʻO nā manaʻo hope ʻelua o ka hana PLT (PMT) he koho. ʻO ke ʻano Fv hiki ke haʻalele ʻia no nā hōʻaiʻē (ua manaʻo ʻia ka waiwai o ka wā e hiki mai ana $0, akā ma kēia laʻana ka waiwai Fv hoʻohana ʻia no ka mālamalama). Ina ka hoopaapaa ʻAno ʻAʻole i kuhikuhi ʻia, manaʻo ʻia ua uku ʻia ma ka hopena o ka manawa.
Ka hopena: ʻO ka uku mahina $ 1074.65.
mana'o kōkua: I ka hana ʻana me nā hana kālā ma Excel, e nīnau mau iā ʻoe iho i ka nīnau: ke uku nei au (ke kumu kūʻai maikaʻi ʻole) a i ʻole ke uku ʻia nei au (waiwai uku maikaʻi)? 'ai'ē mākou i $150000 (pono, hō'ai'ē mākou i kēia huina) a uku mākou i kēlā me kēia mahina he $1074.65 (negative, uku mākou i kēia nui).
KĀKAHI
Inā ʻo ka waiwai ʻike ʻole ʻia ka uku hōʻaiʻē (Rate), a laila hiki ke helu ʻia me ka hoʻohana ʻana i ka hana KĀKAHI (RATE).
KPER
Launch KPER (NPER) like me nā mea ma mua, kōkua ia e helu i ka helu o nā manawa no ka uku. Inā mākou e uku mahina o $ 1074.65 ma ka aie me ka manawa o 20 makahiki me ka uku panee 6% i kēlā me kēia makahiki, pono mākou 240 mahina e uku piha i ka aie.
ʻIke mākou i kēia me ka ʻole o nā kumu, akā hiki iā mākou ke hoʻololi i ka uku o kēlā me kēia mahina a ʻike i ka hopena o kēia i ka helu o nā manawa uku.
Ka Hopena: Inā mākou e uku i kēlā me kēia mahina he $2074.65, e uku mākou i ka hōʻaiʻē ma lalo o 90 mau mahina.
PS
Launch PS (PV) helu i ka waiwai o ka aie. Inā makemake mākou e uku i kēlā me kēia mahina $ 1074.65 e like me ka lawe ʻana 20 makahiki hōʻaiʻē me ka uku makahiki 6%He aha ka nui o ka hōʻaiʻē? Ua ʻike mua ʻoe i ka pane.
BS
ʻO ka hope, e noʻonoʻo i ka hana BS (FV) e helu i ka waiwai e hiki mai ana. Inā mākou e uku i kēlā me kēia mahina $ 1074.65 e like me ka lawe ʻana 20 makahiki hōʻaiʻē me ka uku makahiki 6%E uku piha ʻia ka hōʻaiʻē? ʻAe!
Akā inā mākou e hoʻohaʻahaʻa i ka uku mahina i $ 1000a laila ma hope o 20 makahiki e noho mau ana mākou i ka aie.
