Umsebenzi we-Excel PMT: Bala Iintlawulo zentlawulo okanye iziCwangciso zokuSindisa

Umsebenzi we-PMT, enye yemisebenzi yezimali ye-Excel, ingasetyenziselwa ukubala:

1. Inkokhelo yexesha elizeleyo efunekayo ukuhlawula (okanye ukuhlawula ngokukhawuleza) mboleko
2. Isicwangciso sokulondoloza esiya kubangela ukugcina imali ehleliweyo ngexesha elide

Kuzo zombini iimeko, isantya esinomdla kunye neshedyuli yokuhlawula efanayo.

01 ngo 05

Umsebenzi we-PMT kunye neSigxina

I- syntax yomsebenzi ibhekisela kwisakhiwo somsebenzi kwaye ibandakanya igama lomsebenzi , iibakaki, abahluli be-comma kunye neengxabano .

I-syntax yomsebenzi we-PMT ngu:

= PMT (Isilinganiselo, iNper, Pv, Fv, Uhlobo)

Kuphi:

Imilinganiselo (efunekayo) = inzala yonyaka yemali mboleko. Ukuba iintlawulo zenziwe ngenyanga, hlukanisa le nombolo nge-12.

Nper (efunekayo) = inani elipheleleyo leentlawulo zemboleko. Kwakhona, kwiintlawulo zenyanga, phinda oku nge-12.

I-Pv (efunekayo) = ixabiso langoku okanye langoku okanye inani elibolekwe.

Fv (ukhetho) = ixabiso elizayo. Ukuba akhiyiweyo, i-Excel ithatha ibhalansi iya kuba yi-$ 0.00 ekupheleni kwexesha. Ukubolekwa kwemali-mboleko, le ngxabano inokushiywa ngokubanzi.

Uhlobo (ukhetho) = lubonisa ukuba iintlawulo zifanelekile:

• "0" (okanye ukushiya) - ekupheleni kwexesha lokuhlawula (ekupheleni kwenyanga);
• "1" - ekuqaleni kwexesha lokuhlawula (ukuqala kwenyanga).

02 we 05

Excel PMT ImiSebenzi YemiSebenzi

Umfanekiso ongentla ukhankanya imimiselo yemizekelo yokusebenzisa umsebenzi we-PMT ukubala iintlawulo zemboleko kunye nezicwangciso zokulondoloza.

1. Umzekelo wokuqala (iseli D2) ubuyisela inkokhelo yenyanga yenyanga mboleko ye $ 50,000 ngenani lentengo ye-5% ukuhlawulwa ngaphezu kweminyaka emi-5
2. Umzekelo wesibini (iseli D3) ubuyisela inkokhelo yenyanga ngenyanga ye-$ 15,000, umboleko weminyaka emithathu, inzala ye-6% kunye ne-balance balance of $ 1,000.
3. Umzekelo wesithathu (iseli D4) sinquma iintlawulo zenyanga nganye kwisicwangciso sokulondoloza ngenjongo ye-$ 5,000 emva kweminyaka emi-2 kwinqanaba le-2%.

Ngezantsi zidweliswe amanyathelo asetyenziswa ukufaka umsebenzi we-PMT kwiseli D2

03 we 05

Amanyathelo okufaka umsebenzi we-PMT

Izinketho zokungena kumsebenzi kunye neengxoxo zawo kwisitayile somsebenzi ziquka:

1. Ukuthayipha umsebenzi opheleleyo, njenge: = PMT (B2 / 12, B3, B4) kwi-cell D2;
2. Ukukhetha umsebenzi kunye neengxoxo zayo usebenzisa ibhokisi yencoko yebhokisi ye-PMT.

Nangona kunokwenzeka ukuba uthayiphe kuphela umsebenzi opheleleyo ngesandla, abantu abaninzi bakuthola kulula ukusebenzisa ibhokisi yencoko njengoko kuthatha ukunakekelwa kokungena kwi-syntax yomsebenzi - njengabakaki kunye nabahluli be-comma phakathi kweengxabano.

Amanyathelo angezantsi angena kwi-PMT yomsebenzi womzekelo usebenzisa ibhokisi yencoko yencoko yomsebenzi.

1. Cofa kwiseli D2 ukuze wenze iseli esebenzayo ;
2. Cofa kwiThebhu yefomula yerbhoni;
3. Khetha imisebenzi yezemali ukuvula uluhlu lokuhlahla;
4. Cofa kwi-PMT kuloluhlu ukukhupha ibhokisi yencoko yencoko yomsebenzi;
5. Cofa kwiNqanaba lomlinganiselo kwibhokisi yencoko;
6. Cofa kwifowuni B2 ukufaka le referensi yeseli ;
7. Thayipha u-slash phambili "/" ilandelwa yunombolo 12 kumgca weNqanaba lebhokisi yencoko yababini ukufumana umyinge ngenani ngenyanga;
8. Cofa kwiNper line kwibhokisi yencoko;
9. Cofa kwifowuni B3 ukungena kule ferensi yeseli;
10. Cofa kumgca wePV kwibhokisi yencoko;
11. Cofa kwifowuni B4 kwispredishithi;
12. Cofa Kulungile ukuvala ibhokisi yencoko kwaye uqedele umsebenzi;
13. Impendulo (i-$ 943.56) ibonakala kwiseli D2;
14. Xa ucofa kwiseli D2 umsebenzi opheleleyo = PMT (B2 / 12, B3, B4) ibonakala kwibha yefomula ngaphezu kwephepha lokusebenzela .

04 we 05

Ukuhlawula imali Inkcitho

Ukufumana inani elipheleleyo lemali elihlawulwe ngexesha lokuboleka imali lifezekisa ngokuphindaphinda inani le-PMT (iseli D2) ngexabiso lempikiswano yeNper (inani leentlawulo).

$ 943.56 x 60 = $ 56,613.70

05 we 05

Ukufometha iinombolo ezingekho phantsi kwi-Excel

Kulo mfanekiso, impendulo ye $ 943.56 kwiseli yeD2 ijikelezwe ngabazali kunye nombala obomvu umbala ukuba ibonisa inani elibi - kuba yintlawulo.

Ukubonakala kweenombolo ezingekho phantsi kwiphepha lokusebenzela kunokutshintshwa usebenzisa ibhokisi yencoko yebhokisi yefomathi .