Annuity - te utu, e farerei tatou i te mau vahi atoa

I teie mahana, e mōhio ki te utu hōmai tokomaha e tika ana ki te whānui o tenei tikanga o te utu o herenga nama horapa. Heoi, ko te hōmai - he kore noa he wā pēke. Kei te kitea te reira i roto i ngā wāhi - i te inihua ki te penihana, whakamahia nei te ki rawea, auau utu / hua. Tuatahi auraa tenei kupu he periodicity ā-tau (i te Latino "annuus" - "tau"). Heoi, i roto i te tikanga hou o mārama rohe horoia atu me te hōmai - ko tetahi utu rite auau (rā, marama, ia toru marama, aha ...). Ko te āhuatanga e rua matua o tenei momo o te utu - te auau me te pumau o te nui utua.

Heoi, e kore wāhanga katoa o te hōmai he tamau. Tangohia hoki tauira te kirimana mutu ki te whakahaere pēke. Na, ka meinga e koe te taurewa takoto te nama kei te ki te utu ki te tangata nana i runga i te wā (te tikanga marama) he nui etahi o te moni (utu hōmai) i runga i te pūkete o te utu o te taurewa. I tua atu, kei roto i tēnei uara hei wāhanga o te tumuaki taurewa me te moni mo tona whakamahi. E huri ratou i runga i te wā. I te tīmatanga (tae noa ki waenganui-wā o te taurewa) nui te nui o te moni utua te nui o utu tino, a ka (i muri i te waenganui o te wā o te taurewa), kei te huri tino te āhuatanga, me te nuinga o te hōmai ko te kua nama o te nama.

Kia pehea te i roto i tenei take, i reira he he tātai o hōmai? Hoki te whakamārama atu mahinongofua ka hoatu he tauira. Akuanei pea hainatia te whakaaetanga pūtea taurewa ki te ngā e whai ake nei: wā nama - tau (i 28 Whiringa 2013 ki te 28 Whiringa-2014); auau huamoni - 20% te tau; nui taurewa (tumuaki) - 150 mano moni. He hiahia i roto i te nui o te utu ā-marama (hōmai), me te tuhene ki runga ki te taurewa (te utu o moni tarewa ia) matou. Utu ki te kia hanga i runga i Hakihea 28 (me muri i ia marama), tatau e hāngai ana i runga i te tātai:

PA _pou = R * (1 - (1 ^{+ i) - n) / i} , ai

PA _pou - nui taurewa (uara hōmai iti ranei ko te 150 m p ..);

R - utu marama;

i - marama auau huamoni (20% / 12 = 1.67);

n - maha o ngā wā whiwhinga (12 marama).

Ko te kupu, R (hōmai ranei) - tenei rahinga rite ki:

PA _pou * i / (1 - (1 + i) ^{- n)} = 150000 * 0.0167 / (1 - ^{(1 + 0.0167) -12) =} 13898 moni.

Na e mea ohie ki te whakatau te nui o ka waiho he tuhene runga i te taurewa ki to tatou ture me ngā tikanga:

13898 * 12 - 150000 = 16776.

ka whai ki te utu mo te whakamahi o te moni pēke te utu. Mā te whakamahi i te tātai ki Excel, ka taea e hanga e koe he ingoa tūtohu, ka e kia peitatia me nga wāhanga o te utu hōmai (moni me te wahi o te tino tarahu e ka utu koutou ia marama), haamana'o tatou e rerekē ratou. e kore he uaua tātai ratou, kia whakaiti i te marama noa te nama tino i runga i te uara kua utua, ka tini haere e te auau huamoni (te mohiotia ai, kei te whakatupato i runga i te pauna tino).

O te akoranga, hopoi mai te tikanga hōmai nui painga ki te pēke, no te mea utu te nama taketake nuinga moni, a ka anake timata utu o tumuaki. A ki te kiritaki utu te taurewa roa, te atu whiwhi koe i te whare nama. Ko te aha e kore e tino aroha o te tahatika, ka utu te taurewa e mua o te hōtaka (tae noa tata, i roto i tenei take, maha atu tenei he utu, i whakakorea e te ture).

Tēnei āhuatanga o utu hōmai (huringa wāhanga) e angamaheni mo loans. Ko te tikanga he hōmai - te reira noa te nui whakaritea, e utu ka meinga kia i wā i tohua. He tauira o reira i roto i te tahi atu wāhi: reti, moni reti, penihana, regulyanye takoha hekenga utu o te kamupene inihua ki policyholders ranei, hei kōrero, utu, utu ā-tau, me pera i runga i ..