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. , - . ? . 1 000 . , . , 10% - . , . - , , . . , - . 1 000 . . 10% 1 100 . 1 000 . 1 100 . . , . , . . , , . , , , .
.
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, , , . ( ) PV ( . Present Value), FV ( . Future value), t ( . Time) r ( . Rate). (r) (t). (PV) (FV) (r) (t)
, 1 000 . . 10%. 100 . (10% 1 000 .). (PV), 1 000 . (FV) 1 100 . (t) , (r) e 10%. , . .
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:
. , , .?
:
I = PV r t
I PV r t
= = = =
( ) ( ) ( )
(FV)
. : 1 000 . 3 , 8%. ? .
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PVr t
= 1 000 = 8% =3 =
0PV 1 000
1
2
3FV
FV
- , . . 8% 80 . (8% 1 000 .). 240 . (3x80). 1 000 , . , 8% 1 000 . 80 . , . :
I = PV r t I = 1000 0.08 3 I = 240 1 240 .
FV PV + I = FV = PV + ( PV r t )= FV PV (1 + r t )
FV= 1000 (1 + 0.08 3)
FV = 1240
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:
FV PV (1 + r t ) =
- (PV). . .
15 000 . 9 . . 6.05% , 9 15 000 .? .15000 = (1 + 0.0605 9 / 12 ) PV 15000 = PV (1.045375 )
PV = 15000 / 1.045375 PV = 14348.92 :
PV =
FV (1 + r t )
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FV PV (1 + r t ) =
1 000 . 1 100 . 5.8%? 1100 = 1000 (1 + 0.058 t ) 1100 / 1000 = 1 + 0.058 t 1.1 = 1 + 0.058 t = 0.058 t 0.1 t = 1.72
1 000 . 1 250 . ?= 1000 (1 + r ) 1250 1.25= 1 + r r = 25%
FV PV (1 + r t ) =
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, , (PV) . , . ? . , .
. , (FV), .
100 . 10% . , (FV)?
PVr t
= = 10% =1 0PV
1FV
100
FV = 100
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110 . .? 100 . (PV) (100x0.10) = 10 . 100 . 110 . 10 . , . . 100 . 10 . 110 . ? , 121 . (110 x 0.10). 121 . 110 . 10% 100 . . 121 . . 100 ., 10 . , , 10 ., 1 , , 10 ., , . 10 . 1 . (10 x 10%). - , 100 . 10%, . , 100 . , , . 10 . , . .
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:
PVr t
= 100 = 10% =2 0PV
1
2FV
100x1.10
FV == =
110
x1.10
121 110 1.1 =
(100 1.1) 1.1 100 (1.1 1.1 )
= 100 1.12 = 100 1.21 : = PV (1 + r ) FVt
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(1 + r ), (1 + 0.10) = 1.1 o .
(1 + r ) =1 + 0.10 ) (
t
2
= 1.21
= 1000 1.21 FV FV = 121
5 000 . 8 7%. FV.
PVr t
= 5 000 = 7% =8
0
1
2 3
4
5
6
7
8FV
PV 5 000
FV =
= PV (1 + r ) FV
t8
= 5000 (1 + 0.07 ) FV
FV = 8590.93
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Excel 2010
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