Tababarku wuxuu muujinayaa sida loo isticmaalo shaqada PMT ee Excel si loo xisaabiyo lacagaha amaahda ama maalgashiga iyadoo lagu salaynayo heerka ribada, tirada lacag bixinta, iyo wadarta qaddarka deynta. >>>Kahor aad lacag amaahato way fiicantahay in aad ogaato sida dayntu u shaqeyso. Waad ku mahadsan tahay hawlaha maaliyadeed ee Excel sida RATE, PPMT iyo IPMT, xisaabinta bilaha ama wax kasta oo kale oo xilliyeed ee amaahda waa sahlan tahay. Casharradan, waxaan si dhow u eegi doonaa shaqada PMT, si faahfaahsan uga doodi doonaa syntax-keeda, oo aan tusi doono sida loo dhiso xisaabiyahaaga PMT gudaha Excel.

Waa maxay shaqada PMT in Excel?

Shaqada Excel PMT waa shaqo maaliyadeed oo xisaabisa bixinta amaahda iyadoo ku saleysan dulsaarka joogtada ah, tirada xilliyada iyo qaddarka deynta.

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"PMT" waxay taagan tahay for "payment", markaa magaca shaqada.

Tusaale ahaan, haddii aad codsanayso deyn baabuur laba sano ah oo leh dulsaar sanadle ah oo ah 7% iyo qaddarka deynta ah $ 30,000, qaaciddada PMT ayaa sheegi karta Waxaad ku siinaysaa waxa aad bixinayso bishiiba

Si ay u shaqeyso PMT si sax ah xaashidaada shaqo, fadlan maskaxda ku hay xaqiiqooyinkan:

>Si aad ula jaanqaado socodka lacagta caddaanka ah ee guud model, lacagta lacag bixinta waxa loo soo saaray sida nambar taban sababtoo ah waa lacag caddaan ah oo baxaysa >Qiimaha ay soo celisay shaqada PMT waxa ku jira maamule iyo dulsaar laakiin kuma jiraan wax ujro ah, canshuur, ama kayd pa taasi waaWaxaa laga yaabaa in lala xiriiriyo deyn. >Qaabka PMT ee Excel wuxuu xisaabin karaa bixinta amaahda ee isdabajoogga lacag bixinta ee kala duwan sida toddobaadkii , bishii , rubucii. 10>, ama sannadkii . Tusaalahani wuxuu muujinayaa sida saxda ah ee loo sameeyo >

>Shaqada PMT waxay ku jirtaa Excel ee Office 365, Excel 2019, Excel 2016, Excel 2013, Excel 2010 iyo Excel 2007.

Shaqada PMT ee Excel - syntax iyo isticmaalka aasaasiga ah

Shaqada PMT waxay leedahay doodaha soo socda:

PMT 4>

Qiimaha (loo baahan yahay) - dulsaarka joogtada ah ee muddada. Waxa loo soo diri karaa boqolley ahaan ama nambar tobanle.

Tusaale ahaan, haddii aad bixiso sannad amaahda oo ah dulsaar sanadle ah oo ah boqolkiiba 10, isticmaal 10% ama 0.1 si aad u qiimeyso. Haddii aad bixiso bille isla amaah, ka dib isticmaal 10%/12 ama 0.00833 si aad u qiimeyso.

Nper (loo baahan yahay) - tirada lacag bixinta amaahda, tusaale ahaan tirada guud ee xilliyada ay tahay in deynta la bixiyo.

Tusaale ahaan, haddii aad bixiso sannad lacag-bixineed amaah 5-sano ah, keen 5 ee nper. Haddii aad bixiso bille isla amaah, dabadeed ku dhufo tirada sannadaha 12, oo isticmaal 5*12 ama 60 nper.

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Pv (loo baahan yahay) - qiimaha hadda, ie. wadarta tirada dhammaan lacagaha mustaqbalka ay hadda qiimo yihiin. Haddii ay dhacdo deyn, waxa kaliya oo ah caddadka asalka ah ee la amaahday.

Fv (ikhtiyaar) - qiimaha mustaqbalka, ama hadhaaga kaashka ee aad rabto inaad haysato ka dib markii lacag bixintii ugu dambaysay la bixiyo. Haddii la dhaafo, qiimaha mustaqbalka ee amaahda waxaa loo qaadanayaa eber (0)

>

> Nooca (ikhtiyaar) - waxay qeexaysaa marka lacag-bixinta la bixinayo:

> 0 ama la iska dhaafo - lacag-bixintu waxay ku egtahay dhammaadka xilli kasta

> 1 - lacag-bixintu waxay ku egtahay bilowga xilli kasta>>Tusaale ahaan, haddii aad Amaahdo $100,000 5 sano oo leh dulsaar sanadle ah 7%, qaacidada soo socota ayaa xisaabin doonta bixinta sanadlaha ah:> =PMT(7%, 5, 100000)>Si aad u hesho bixinta bishiiisla amaahda, isticmaal qaacidadan:

=PMT(7%/12, 5*12, 100000)

> Ama, waxaad geli kartaa qaybaha la yaqaan ee amaahda unugyo kala duwan oo waxaad tixraaci kartaa unugyadaas qaacidada PMT. Iyadoo heerka dulsaarka ee B1, maya. sanadaha B2, iyo qaddarka amaahda ee B3, qaacidodu waa sidatan oo kale:> =PMT(B1, B2, B3)>Fadlan xusuusnow in lacag-bixinta lagu soo celiyay lambar tabansababtoo ah Lacagtan waxa laga jarayaa (laga jarayaa) akoonkaaga bangiga

Sida caadiga ah, Excel waxa uu ku soo bandhigaa natiijada qaabka Lacag , oo lagu soo koobay 2 jajab tobanle, lagu iftiimiyay casaan oo ku lifaaqan qawl , sida ka muuqata qaybta bidix ee sawirka hoose. Sawirka dhanka midig wuxuu ku tusayaa isla natiijada qaabka Guud lambar , dhig calaamadda laga jaray midkoodnadhammaan qaacidada PMT ama pv doodda (qadarka deynta):

=-PMT(B1, B2, B3)

ama

=PMT(B1, B2, -B3)

3>

Talo. Si aad u xisaabiso wadarta qaddarka ee deynta lagu bixiyay, ku dhufo qiimaha PMT ee la soo celiyay tirada xilliyada (qiimaha yar). Xaaladeena, waxaanu isticmaali doonaa isla'egtan: 24,389.07*5 oo aanu ogaano in wadarta cadadka ay u dhiganto $121,945.35.

Sida loo isticmaalo shaqada PMT ee Excel - tusaaleyaal qaacido

Hoos waxaad ka heli doontaa a dhowr tusaale oo dheeraad ah oo ah qaacidada PMT ee Excel oo tuseysa sida loo xisaabiyo lacagaha xilliyeed ee kala duwan ee amaahda baabuur, daynta guriga, amaahda guryaha, iyo wixii la mid ah.

Full form of PMT function in Excel

Inta badan, waxaad ka tagi kartaa labada doodood ee ugu dambeeya qaababkaaga PMT (sida aan ku sameynay tusaalooyinka kore) sababtoo ah qiyamkooda caadiga ah waxay daboolayaan kiisaska isticmaalka caadiga ah:

>>>>> Fv la dhaafay - waxay tusinaysaa dheelitirka eber ka dib bixinta lacagta u dambaysa
• > Nooca la dhaafay - lacag-bixintu waxay ku egtahay dhammaadka dhamaadka xilli kasta.

Haddii shuruudaha dayntu ay ka duwan tahay kuwa aan la bixin, isticmaal foomka buuxa ee qaaciddada PMT

Tusaale ahaan, aynu xisaabino qaddarka bixinta sannadlaha ah iyadoo lagu salaynayo unugyada soo galinta:

• B1 - dulsaarka sanadlaha
• B2 - muddada amaahda (sanadaha)
>
• B3 - qaddarka amaahda
• B4 - qiimaha mustaqbalka (isku-dheellitirka ka dib lacag-bixintii ugu dambeysay)
>B5 - nooca annuity:
> 0 (sanad-sanad joogto ah) - lacag-bixinnada waxaa la bixiyaa dhammaadka mid walbasanadka > 1 (canad bixinta) - lacag bixinta waxaa la bixiyaa bilowga muddada, tusaale; ijaar ama ijaar bixin. >> >

Sii tixraacyadan qaacidadaada PMT ee Excel:

=PMT(B1, B2, B3, B4, B5)

> Oo waxaad heli doontaa natiijadan:

>>

Xisaabi lacag bixinta toddobaadle, bille, saddex biloodle iyo badh-sannadeedkii

Iyada oo ku xidhan inta jeer ee lacag bixinta, waxaad u baahan tahay inaad u isticmaasho xisaabinta soo socota qiim 2> iyo nper doodaha:

>
• qiim , u qaybi dulsaarka sannadlaha tirada lacag bixinta sannadkii (taas oo loo arko inay la mid tahay tirada xilliyada isku-darka ah).
• nper , ku dhufo tirada sannadaha tirada lacag bixinta sannadkii.
>

Shaxda hoose ayaa faahfaahinaysa :

> > > 22> >19> ribada sannadlaha ah / 52 > > sannadihii ribada / 4 > 19>sannad dulsaarka / 2 >

Soo noqnoqoshada Lacag-bixinta	Qiime	Nper
Toddobaadkii	sanadaha * 52
Bishii	sanadka ribada / 12	sanadaha * 12<20
Saddex-biloodle	sano * 4
Sannad-sare	sano * 2

Tusaale ahaan, si aad u hesho qaddarka lacag-bixineed xilliyeed ah $5,000 oo deyn ah oo leh 8% dulsaarka sannadlaha ah iyo muddada 3 sano ah, isticmaal mid ka mid ah hababkan hoose.

00 Toddobaadkii lacag bixinta:

=PMT(8%/52, 3*52, 5000)

Bishii lacag bixinta:

=PMT(8%/12, 3*12, 5000)

Sidoo kale eeg: Sida loo rogo xogta ku jirta tiirarka iyo safafka Excel (toosin iyo toosan)

Saddex biloodlaha ah lacag bixinta:

=PMT(8%/4, 3*4, 5000)

Sanad-sanadeedka lacag bixinta:

=PMT(8%/2, 3*2, 5000) Sawirka hoose wuxuu muujinayaa natiijooyinka qaababkan: > > > Sida loo sameeyo xisaabiyaha PMT ee Excel in la is barbar dhigo shuruudaha deymaha ee kala duwan si loo ogaado fursadaha kugu habboon. Taas awgeed, aynu abuurno xisaabiyaha lacag-bixinta amaahda ee Excel noo gaar ah.
1. Si aad u bilawdo, geli qaddarka amaahda, heerka dulsaarka iyo muddada amaahda unugyo kala duwan (B3, B4, B5, siday u kala horreeyaan).
2. Si aad u doorato waqtiyo kala duwan oo aad u qeexdo goorta lacag bixinta la bixinayo, samee liisaska hoos u dhaca oo wata xulashooyinka soo socda ee la sii qeexay (B6 iyo B7):

   >>

> U deji jaantusyada raadinta ee Muddo (E2:F6) iyo Lacag-bixinuhu waa la bixinayaa (E8:F9) sida muujinta shaashadda hoose. Waa muhiim in qoraalada ku qoran jadwalku ay si sax ah u wajahaan shayada liiska hoos-u-hoosaadka u dhigma.

Cuugyada ku xiga liisaska hoos-u-dhaca, geli hababka soo socda IFERROR VLOOKUP kuwaas oo lambarka ka soo saari doona raadinta shaxda u dhiganta shayga lagu doortay liiska hoos-hoosaadka.

Formula for Periods (C6):

=IFERROR(VLOOKUP(B6, E2:F6, 2, 0), "")

>

Qaabka Lacag-bixinta waa in la bixiyaa (C7):

=IFERROR(VLOOKUP(B7, E8:F9, 2, 0), "")



3. Qor qaacidada PMT si aad u xisaabiso lacag-bixinta xilliyeedka ee ku salaysan unugyadaada. In ourkiiska, qaacidadu waxay u socotaa sidan soo socota:

   =IFERROR(-PMT(B4/C6, B5*C6, B3, 0, C7), "")

   Fadlan u fiirso waxyaalahan soo socda:

   • fv doodda (0) waxay ku qoran tahay qaacidada. sababtoo ah waxaan had iyo jeer rabnaa dheelitirka eber ka dib lacag bixinta ugu dambeysa. Haddii aad rabto inaad u ogolaato isticmaaleyaashaada inay galaan qiime kasta oo mustaqbalka ah, u qoondee unug wax gelin gaar ah doodda fv
   >Shaqada PMT waxaa ka horreeya calaamadda laga jaray si ay natiijada ugu muujiso lambar togan. .
>Shaqada PMT waxa lagu duuduubay IFERROR si loo qariyo khaladaadka marka qaar ka mid ah qiyamka wax gelinta aan la qeexin >

Qaaciddada sare waxay ku socotaa B9. Iyo unugga deriska ah (A9) waxaan ku muujineynaa calaamad u dhiganta xilliga la doortay (B6). Si tan loo sameeyo, si fudud isku dheji qiimaha B6 iyo qoraalka la rabo:

> =B6&" Payment"

3> 11> Ugu dambeyntii, waxaad ka qarin kartaa miisaska raadinta aragtida, ku dar dhawr taabasho qaabaynta dhamaystirka, iyo xisaabiyahaaga PMT ee Excel way fiicantahay in aad tagto:

Shaqada Excel PMT ma shaqaynayso

Haddii aad PMT Excel qaacidada ma shaqaynayso ama ma keento natiijooyin khaldan, waxay u badan tahay inay sababto sababaha soo socda awgood:

• A #NUM! Khalad ayaa dhici kara haddii qiimaha midkood yahay tiro taban ama nper uu la mid yahay 0.
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• A #QIIMO! khaladku wuxuu dhacaa haddii hal ama in ka badan ay yihiin qiyam qoraal ah
• Haddii natiijada qaaciddada PMT ay aad uga sarreyso ama ka hooseyso sidii la filayey, hubi inaad waafaqsan tahay cutubyada loo soo gudbiyay qiimaha iyo nper doodaha, taasoo la macno ah inaad si sax ah ugu beddeshay heerka ribada sannadlaha heerka muddada iyo tirada sannadaha toddobaadyo, bilo, ama rubuc sida ku cad tusaalahan.<11

Taasi waa sida aad u xisaabinayso shaqada PMT ee Excel. Si aad si dhow ugu fiirsato qaacidooyinka looga hadlay casharkan waxaa lagugu soo dhawaynayaa inaad soo dejiso buuga shaqada ee tusaalaha ah ee hoose. Waxaan kaaga mahadcelinayaa inaad akhriday waxaanan rajeynayaa inaan kugu arko blog-keena toddobaadka soo socda!

Ku celceli buug-shaqeedka si aad u soo dejiso

Qaabka PMT ee Excel - tusaaleyaal (.xlsx file)