-: n , .
, , :
) ( ), n :
n = / 12, (1‑14)
) ( t ), n :
n = t / T, (1‑15)
t , .. , ;
T ( ).
F
ð (T) -:
Ø 360 . (ordinary interest), ;
Ø (365 366 ). (exact interest).
ð (t) - :
Ø , , 30 , , ;
Ø , , .
, , :
ð , , , " ", 360 , 30 [7].
ð , " ", 360 , [8].
ð , " ", [9].
, .
( 1), . .
, , , . , .
|
|
, n1, n2, n3,, nm r1,r2, r3,, rm ,
FV = PV *(1 + nk*rk) = PV*kn (1‑16)
(kn )
kn = (1 + nk*rk) (1‑17)
1‑3
2000 1 10% . , .
:
:
FV = PV ( 1 + n * r) = 2000 (1 + 1 * 0.1) = 2200 .
FV = PV * k = 2000 * 1,1 = 2200 .
:
I = PV * n * r = 2000 * 1 * 0,1 = 200 .
I = FV - PV = 2200 - 2000 = 200 .
, 2200 , 2000 , 200 " ( ).
1‑4
10% :
) 5 ;
) 3 .
.
.
) n = 5/12 =0.42 r 5 = 0,1 * 5/12 = 0. 0417;
) n = 3/12 =0,25; m = 4; r =0,1/4 = 0,025
1‑5
50000 . 14% . .
FV = PV ( 1 + n * r) =50000*(1+0,5*0,14) = 53500 .
I = FV PV= 53500-50000=3500 .
1‑6
, 2 10% , 110 000 .
FV =110000/(1 + 0,1 * 2/12) = 108196.7 .
1‑7
1 . . 1 . 30 % , - 25 %, - 30%. ?
.
;
ð (n1) 4,5 , 0,375 ;
ð (n2) 4,5 , 0,375 ;
ð (n3) 3 , 0,25
:
ð
k1 = 0, 3 * 0, 375 = 0,113,
ð
k2 = 0,25*0,375 =0,094.;
ð k 3 =0, 3 * 0, 25 = 0,.075
ð k = k1 + k2 + k3 =0,281
:
FV = PV *(1+ k ) = 1281,25 .