, . , , , , , . , , , , .
4.10.8. : 3
10 , . 15000 . ( ) , . , 3%, ? , 5% ?
, .
i | PV | FV | PMT | ||
3 | 0 | ? | 1636,85 . |
, , 1686,85 . 5% , , . 4.8.
, , . , , . , 5% , 15000 . 1,058, 32162 . , , 15000 ., 22162 .
. 22162 . , 5% , . 4.9.
4.8. :
1686,85 . | 1,05 | 1771,19 . | |
1666,85 . | 1,052 | 1359,75 . | |
1686,85 ., | 1,053 | 1953,74 . | |
1686,85 . | 1,054 | 2050,38 . | |
1686,85 . | 1,055 | 2152,90 . | |
G | 1686,85 ., | 1,056 | 2260,54 . |
1686,85 ., | 1,057 | 2373,57 . | |
1686,85 . | 1,058 | 2492,25 . |
|
|
4.9.
1686,85 . | 1771,19 . | 1,08157 | 3065,14 . | |||
1686,85 . | 1859,75 . | 1,08156 | 2975,87 . | |||
1686,85 . | 1952,74 . | 1,08155 | 2889,20 . | |||
1686,85 . | 2050,38 . | 1,08154 | 2805,05 . | |||
1686,85 . | 2)52,90 . | 1,08153 | 2723,35 . | |||
1686,85 . | 2260,54 . | 1,08152 | 2644,02 . | |||
1686,85 . | 2373,57 . | 1,0815 | 2567,02 . | |||
1686,85 . | 2492,25 . | 1 | 2492,25 . | |||
22161,90 . | ||||||
, , 3% , 8,15%:
1 + = | 1 + |
1 + |
1 + =
(1 + ) (1 + )
= +
+
= 0,03+0,05 + 0,030,05 = 0,0815
(8.15%), . 4.9, , 22162 .
, 5% , .
10% , 15000 . 1,18, 32154 . 15000 .