. A - , Y - , Ik - , Rk - (k - ). ,
Y = I k + R k
, Rk - . . n, Y. A (. (17)).
Y = A / a(n; i), (22)
a (n; i) - i n.
. 4 . . 5 6% . , . . .
. A = 4 . ., n = 5 , i = 0,06. (22) :
Y = 4 = 949 600 .
()
, . , , .
. R, i. g. :
Y = Ag + R, (23)
A - . R. n , R, n, i (. . 5). ( ) A, A = R × s (n; i ). :
R = A / s (n; i).
(23), :
Y = A g + A / s(n; i), (24)
.. , R = A / s(n; i). , :
Y = A (1 + g) n / s(n; i).
k :
Sk +1 = S k (1 + i) + R. (25)
. 50 . . 4 8% . . , , 10% . , .
|
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. :
A = 50,0; g = 8 %; i = 10 %; n = 4, s( 4;0,1 ) = 4,6410;
:
R = 50/ 4,6410 = 10,7735 . .
I = A × g = 50 × 0,08 = 4 . ( ) (25):
S 1 = R = 10,7735 . . (S 0 = 0),
S 2 = 10,7735 × 1,1 + 10,7735 = 22,6244 .
S 3 = 22,6244 × 1,1 + 10,7735 = 35,6603 .
S 4 = 35,6603 × 1,1 + 10,7735 = 49,9998 50,0 .
:
I | R | S k | Y k | |
4,0000 | 10,7735 | 10,7735 | 14,7735 | |
4,0000 | 10,7735 | 22,6244 | 14,7735 | |
4,0000 | 10,7735 | 35,6603 | 14,7735 | |
4,0000 | 10,7735 | 49,9998 | 14,7735 | |
16,0000 | 43,0940 | - | 59,0940 |
- , .. i > g. 59,0940 ., , , . :
DD = 50 (1 + 0,08 × 4) - 59,0940 = 6,9060 . .
: . [1], [3].
(, ..) . . , .
D, n i. R 12 . k - R ×s(12k, i /12) R
R s (12 n, i /12) = D (1+ i /12)12 n ,
n - . , . Rk k - . k - D (1+ i /12)12 k, R × s (12 k, i /12). Rk = = D (1+ i /12) 12 k - R × s (12 k, i /12).
. $100 000 10 3 % . 5- .
. s (120, 3/12), (, Mathcad):
s (120, 3/12) = [(1+ 0,0025)120 - 1]/0,0025 = 139,74.
(26):
R = 100000 ×1,162/139,74 = 831,544.
5 - . 100000× (1+ 0,0025)60 = 116 200.
715,61× S (60; 0,25) = 864,647,
, 5-
R 5 = 864,647 - 831,544 = 33,103.
6.1 1000 . . 5 . 10 % . .
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6.2 100 . . 8 % 4 . , , , , 5 % . .: 31201,18 .
6.3 500 . . 10 % 5 . , 10 % . .
6.4 , , , 8 % .
6.5 $20 000 4 . 10 % . , j 4=5 %. ?