Ukukhombisa imisebenzi yezezimali edume kakhulu ye-Excel, sizocubungula imalimboleko enezinkokhelo zanyanga zonke, izinga lenzalo 6% ngonyaka, isikhathi sale mali mboleko ngu iminyaka 6, inani lamanje (Pv) lithi $ 150000 (inani lemalimboleko) kanye nenani lesikhathi esizayo (Fv) lizolingana nalo $0 (leli inani esithemba ukulithola ngemva kwazo zonke izinkokhelo). Sikhokha nyanga zonke, ngakho kukholamu ubende bala inani lanyanga zonke 6%/12=0,5%, nakukholomu nper bala inani eliphelele lezikhathi zokukhokha 20*12=240.
Uma kukhokhelwa imali mboleko efanayo 1 kanye ngonyaka, bese kuba kukholamu ubende udinga ukusebenzisa inani 6%, nakukholomu nper – inani 20.
I-PLT
Khetha iseli A2 bese ufaka umsebenzi I-PLT (PMT).
Incazelo: Izimpikiswano ezimbili zokugcina zomsebenzi I-PLT (PMT) uyazikhethela. Incazelo Fv ingase ishiywe emalini ebolekiwe (inani lesikhathi esizayo lemali mboleko licatshangwa ukuthi liyilo $0, kodwa kulesi sibonelo inani Fv isetshenziselwe ukucaca). Uma ingxabano Uhlobo akucacisiwe, kubhekwa ukuthi izinkokhelo zenziwa ekupheleni kwesikhathi.
Umphumela: Inkokhelo yanyanga zonke $ 1074.65.
Ithiphu: Lapho usebenza ngemisebenzi yezezimali ku-Excel, hlala uzibuza umbuzo: ingabe ngiyakhokha (inani lokukhokha elibi) noma ingabe ngiyakhokhelwa (inani lokukhokha elihle)? Siboleka u-$150000 (okuhle, siboleka leli nani) futhi senza izinkokhelo zanyanga zonke zika-$1074.65 (negethivu, siyayibuyisela le mali).
ISITOLO
Uma inani elingaziwa liyisilinganiso semalimboleko (Isilinganiso), khona-ke singabalwa kusetshenziswa umsebenzi ISITOLO (ILINGANISO).
I-KPER
Umsebenzi I-KPER (I-NPER) ifana neyangaphambili, isiza ukubala inani lezikhathi zokukhokha. Uma senza izinkokhelo zanyanga zonke ze $ 1074.65 emalini ebolekiwe enesikhathi se iminyaka 20 ngesilinganiso senzalo 6% ngonyaka, sidinga 240 izinyanga zokukhokha imali ebolekiwe ngokugcwele.
Siyazi lokhu ngaphandle kwamafomula, kodwa singashintsha inkokhelo yanyanga zonke futhi sibone ukuthi lokhu kulithinta kanjani inani lezikhathi zokukhokha.
Isiphetho: Uma senza inkokhelo yanyanga zonke engu-$2074.65, sizokhokha imali ebolekiwe ngaphansi kwezinyanga ezingu-90.
PS
Umsebenzi PS (PV) ibala inani lamanje lemali mboleko. Uma sifuna ukukhokha nyanga zonke $ 1074.65 ngokusho kuthathwe iminyaka 20 imalimboleko enenani lonyaka 6%Yimuphi usayizi wemalimboleko okufanele ube? Usuyayazi impendulo.
BS
Ekugcineni, cabangela umsebenzi BS (FV) ukuze ubale inani lesikhathi esizayo. Uma sikhokha nyanga zonke $ 1074.65 ngokusho kuthathwe iminyaka 20 imalimboleko enenani lonyaka 6%Ingabe imali ebolekiwe izokhokhwa ngokugcwele? Yebo!
Kodwa uma sehlisa inkokhelo yanyanga zonke $ 1000emva kweminyaka engu-20 sizobe sisacwile ezikweletini.
