, , , r ( ), .
m.
(m = 12) (, n = 2 ) , . n*m (, n = 2 m = 12 n*m =24 ), n/m. , r m FV.
F , N FV :
FVN = PV*(1+r/m)m*n (1‑21)
1‑15
4-11 , .
:
FV4 = 10000,00 (1 + 0,10/4)16 = 14845,06, .. 204,06 , .
(effective percentage rate EPR) , r m .
reff (EPR) = (1 + r / m) m 1 (1‑22)
, , .
, .
, , : , ( )
1‑16
2 000 2 10% .
Ø;
Ø
) , 10% , :
reff (EPR) = (1 + r / m ) m - 1 = (1 + 0,1 / 4)4 - 1 = 0,1038.
:
reff (EPR) = (1 + r / m ) m - 1 = (1 + 0,1 / 12)12 - 1 = 0,1047.
, , 10% , 10,47% 10,38% . , .
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1‑17
PV = 1000 ., 12 . , :
"Carabas" 10% ,
" " 10% , .
" " 10% .
" " 10%
,