, (annual percentage rate, APR), ( 6% ) (, ). , . ( ) (effective annual rate, EFF), .
, (APR) 6% , . , ; APR. , 0,5% ( 0,005 ).
EFF , . :
FV =-(1,005)n =1,0616778
.
EFF=1,0616778-1=0,0616778 6,16778%
:
EFF= (1 + | APR | )m - 1 | (4.2) |
m |
APR , . . 4.3 , 6% .
, . , , , . , (1 + APR / )" "", 2,71828 ( ). e= 1,0618364. , , EFF = 0,0618365, 6,18365% .
4.3. APR 6%
6,00000% | ||
6,09000% | ||
6,13614% | ||
6,16778% | ||
6,17998% | ||
6,18313% | ||
6,18365% |
4.3 |
, 12% . ? |