- (PV) (FV). .
1.
ϳ 100 . 5% 5 . 5 ?
PV = 100 .
= 0,05.
I = 100 . 0, 05 = 5 . - , 1 .
n = 1; n = 5.
, n = 1:
FVn = FV1 = PV + I = PV + PV(i) = PV (1+ i) = 100 . (1 + 0,05) = 100 . (1,05) = 105 .
105 .
, 5,25 . ³ , : 5 . 0,05 = 0,25 . , , , .
5,00+5,25+5,51+5,79+6,08=27,63 .
2 :
FV2 = FV1 (1+ i) = PV (1+ i)(1+ i) = PV (1+ i)2 = 100 . (1,05)2 = 110,25.
ʳ :
FV3= FV2 (1+ i) = PV(1+i)3 = 100 . (1,05)3 = 115,76 .
, FV5 = 100 . (1,05)5 = 127,63 .
(4.3.): FVn= PV (1+ i)n,
, - . n (FVIFi,n), 1 , n .
(1+ )n = FVIFi,n, (4.3.) :
FVn = PV x (FVIFi,n). (4.6.)
FVIF 5 5% , 5, 5%. : FVIF = 1,2763. FVn = PV x (FVIFi,n)= 100 . (1,2763) = 127,63.
72. , . , 9%- 8 (8 9 = 72). 6% 12 .
2.2. ()
() - , . , . , , , , .
, .
|
|
, , FV (), , . .
.
2.
ϳ 100 . 5% . 3 ?
, , , .
, FVAn.
, ( ), - :
(4.7)
P ().
г (FVIFAi,n) - FV n - - .
(4.8)
FVIFA n, .
, ( , 100 . ), 5% FVIFA = 3,1525. FVAn = PMT x (FVIFAi,n).
, 100 . 100 . 3,1525 = 315,25 .
100 . , () . 1 , 1 .
:
FVAn = PMT (FVIFAi,n) = 100 . (3,1525) 1,05 = 331,01
, , FV - 331,01 . 315,25 . .
, . , - .