Tababarku wuxuu muujinayaa sida loogu isticmaalo shaqada PPMT gudaha Excel si loo xisaabiyo bixinta maamulaha amaahda ama maalgashiga. >

Marka aad lacag-bixinno xilliyeed ah ku bixiso deyn ama deyn, qayb ka mid ah lacag bixin kasta waxay ku socotaa dulsaarka ( ujrada lagu dalacayo amaahda) inta ka hartay lacag bixinta waxay ku socotaa bixinta maamulaha amaahda (caddadadka aad markii hore amaahatay). In kasta oo wadarta lacagta lacag-bixintu ay joogto tahay muddooyinka oo dhan, maamulaha iyo qaybaha dulsaarku way kala duwan yihiin - iyadoo mid kasta oo ku guulaysta lacag bixin yar lagu dabaqo dulsaarka iyo in ka badan maamulaha

Microsoft Excel waxay leedahay hawlo gaar ah si loo helo labadaba wadarta lacagta bixinta iyo qaybaheeda. Casharradan, waxaan eegi doonaa sida loo isticmaalo shaqada PPMT si loo xisaabiyo lacag bixinta maamulaha.

Excel PPMT function - syntax and basic use

The PPMT function in Excel waxa uu xisaabiyaa qaybta ugu muhiimsan ee bixinta amaahda muddo cayiman oo ku salaysan dulsaarka joogtada ah iyo jadwalka lacag bixinta

nper, pv, [fv], [nooca])

Halka:

• Qiimaha (loo baahan yahay) - dulsaarka joogtada ah ee amaahda. Waxaa loo bixin karaa boqolley ahaan ama nambar jajab tobanle.

  Tusaale ahaan, haddii aad bixiso sannadeed amaah ama maalgashi oo leh dulsaar sannadle ah 7 boqolkiiba, keen 7% ama 0.07. Haddii aad sameyso bishii bixinta amaah isku mid ah, ka dibna keen 7%/12.

>>> per (loo baahan yahay) - muddada lacag bixinta bartilmaameedka. Waa in ay ahaataa wadarta u dhaxaysa 1 iyo nper.
• Nper (loo baahan yahay) - wadarta guud ee lacag bixinta amaahda ama maalgashiga.
• Pv (loo baahan yahay) - qiimaha hadda, ie. inta taxane ah ee lacag-bixinaha mustaqbalka ayaa hadda mudan. Qiimaha hadda ee amaahdu waa qaddarkii aad markii hore amaahatay
>>>>Fv (ikhtiyaar) - qiimaha mustaqbalka, ie. baaqiga aad rabto inaad haysato ka dib markii lacag-bixintii ugu dambaysay la bixiyo. Haddii la dhaafo, waxa loo malaynayaa inay eber tahay (0) >
• >Nooca (ikhtiyaar) - waxay tilmaamaysaa marka lacag-bixinta la bixinayo:
  > 0 ama la dhaafo - lacag-bixintu waa la dhammaanayaa. dhammaadka xilli kasta
> 1 - lacag-bixintu waxay ku egtahay bilawga xilli kasta >

>

Tusaale ahaan, haddii aad amaahato $50,000 muddo 3 sano ah. oo leh dulsaar sannadle ah 8% oo aad bixiso sannad , qaacidada soo socota ayaa xisaabin doonta qaybta ugu muhiimsan ee bixinta amaahda muddada 1:

> =PPMT(8%, 1, 3, 50000)> Haddii Waxaad bixinaysaa billeisla amaah isku mid ah, ka dib isticmaal qaacidadan:> =PPMT(8%/12, 1, 3*12, 50000)Unugyada horay loo qeexay oo tixraac unugyadaas sida ka muuqata shaashaddan:>>

Haddii aad doorbidayso inaad natiijadu noqoto lambar togan , dabadeed geli a calaamada laga jaray ka hor midkoodna dhammaan qaacidooyinka PPMT ama kan pv dood (qadarka deynta). Tusaale ahaan:

=-PPMT(8%, 1, 3, 50000)

ama

=PPMT(8%, 1, 3, -50000)

3 shay oo ay tahay inaad ka ogaato shaqada Excel PPMT

Si aad si guul leh ugu isticmaasho qaacidooyinka PPMT xaashidaada, fadlan maskaxda ku hay xaqiiqooyinkan soo socda:

>>Maamulaha waxa loo soo celiyaa negative lambar sababtoo ah waa lacag bixin baxaysa.
1. Sida caadiga ah, qaabka Lacag ayaa lagu dabaqayaa natiijada, iyadoo lambarrada taban lagu muujiyay casaan kuna lifaaqan khaanad
>Marka la xisaabinayo qaddarka ugu sarreeya ee lacag bixinta kala duwan. soo noqnoqoshada, hubi inaad waafaqsan tahay heerka iyo dooda nper. qiim , u qaybi dulsaarka sannadlaha tirada lacag bixinta sannadkii (iyada oo loo malaynayo inay la mid tahay tirada xilliyada isku-darka sannadkii). Wixii nper , ku dhufo tirada sannadaha tirada lacag bixinta sannadkii.
• > toddobaadyo : heerka - heerka dulsaarka sannadlaha ah/52; nper - sano*52
• bilood : heerka - heerka ribada sannadlaha ah/12; nper - sano*12
• rubuc : heerka - heerka ribada sannadlaha ah/4; nper - years*4

Tusaaleyaal isticmaalka qaacidada PPMT ee Excel

Iminkana, aynu soo qaadano dhawr tusaale oo muujinaya sida loo isticmaalo PPMT ku shaqeeya Excel.

Tusaale 1. Foomka gaaban ee qaacidada PPMT

Haddii aad rabto in aad xisaabiso lacagaha laga bixiyo maamulaha ee amaahda. Tusaalahan, taasi waxay noqon doontaa 12 lacag bixin bishii,laakiin isla qaacidada la mid ah waxay u shaqayn doontaa soo noqnoqoshada lacagaha kale sida toddobaadle, rubuc-biloodle, nus-sanadle ama sannadle.

Si kaaga badbaadiso dhibka qoritaanka qaacido kale ee xilli kasta, geli lambarrada xilliyada qaarkood Unugyada, dheh A7: A18, oo deji unugyada soo-gelinta ee soo socda:

• B1 - heerka ribada sannadlaha ah
• B2 - muddada amaahda (sanadaha)
• B3 - tirada lacag-bixinta sannadkii
• B4 - qaddarka amaahda
>

Iyada oo ku saleysan unugyada gelinta, qeex doodaha qaacidada PPMT:

>

> >Qiimaha - heerka dulsaarka sannadlaha ah / tirada lacag bixinta sannadkii ($ B$1/$B$3)

> Per- muddada lacag bixinta ugu horreysa (A7).

Nper - sano * tirada lacag bixinta sanadkii ($ B$2*$B$3).

Pv - qaddarka amaahda ($B$4). )

>

>Fv - waa la dhaafay, iyadoo loo malaynayo dheelitirka eber ka dib lacag-bixintii u dambaysay.

>

Nooca - waa la dhaafay, iyada oo loo malaynayo in lacag bixinta marka la gaaro dhamaadka xilli kasta

>

Hadda, isku geyso dhammaan doodaha oo waxaad heli doontaa qaacidada soo socota:

0> =PPMT($B$1/$B$3, A7, $B$2*$B$3, $B$4)>Fadlan u fiirso, inaan isticmaalno tixraacyo unug oo dhammaystiran dhammaan doodaha marka laga reebo perhalkaasoo tixraac unug qaraabo ah (A7) lagu isticmaalo. Tani waa sababta oo ah heerka, nperiyo pvdoodaha waxay tixraacaan unugyada wax gelinta waana inay ahaadaan kuwo joogto ah iyada oo aan loo eegin meesha qaacidada la koobiyeeyay. Doodda perwaa in ay isbedeshaa iyadoo lagu saleynayo booska qaraabada ah ee asaf.

Geli qaacidada sare ee C7, ka dib u jiid ilaa unugyo badan intii loo baahdo, waxaadna heli doontaa natiijada soo socota:

>>waxaad ku arki kartaa sawirka kore, wadarta lacag bixinta (oo lagu xisaabiyay shaqada PMT) waa isku mid dhammaan xilliyada halka qaybta maamuluhu ay korodho xilli kasta oo isku xigta sababtoo ah marka hore waxaa la bixiyaa dulsaar ka badan kan maamulaha.> Xaqiiji natiijooyinka shaqada PPMT, waxaad ku dari kartaa dhammaan lacagaha ugu muhiimsan adiga oo isticmaalaya shaqada SUM, oo arag haddii wadarta ay la mid tahay qaddarka deynta asalka ah, taas oo ah $ 20,000 kiiskeena.

Tusaale 2. Buuxa qaabka qaacidada PPMT

Tusaale ahaan, waxaanu u isticmaali doonaa shaqada PPMT si aanu u xisaabino lacagaha maamulaha dugsiga looga baahan yahay si uu u kordhiyo maalgelinta laga bilaabo $0 ilaa inta aad sheegtay.

>Maadaama aanu socono Si aad u isticmaasho qaabka buuxa ee shaqada PPMT, waxaanu qeexaynaa unugyo badan oo wax qabad ah:

>> B1 - heerka dulsaarka sannadlaha ah > B2 - muddada maalgashiga sannadaha > 8> B3 - tirada lacag bixinta halkii sanadka
• B4 - qiimaha hadda ( pv )
>
• B5 - qiimaha mustaqbalka ( fv )
• B6 - marka Lacag-bixinta ayaa la iska leeyahay ( nooca )
>

Sida tusaalihii hore, qiimihii, waxaanu u qaybinay dulsaarka sannadlaha tirada lacag bixinta sannadkii. ($B$1/$B$3). nper , waxaanu ku dhufannaa tirada sannadaha tirada lacag bixinta sannadkii ($ B$2*$B$3).

Marka horeMuddada lacag bixinta ee lambarka A10, qaacidadu waxay qaadanaysaa qaabkan soo socda:

> =PPMT($B$1/$B$3, A10, $B$2*$B$3, $B$4, $B$5, $B$7)>Tusaale ahaan, lacagaha waxaa la bixiyaa dhammaadka rubuci kasta muddo 2 sano ah. Fadlan ogow in wadarta dhammaan lacagaha aasaasiga ah ay la mid tahay qiimaha mustaqbalka ee maalgashiga:>> 3>

Shaqada PPMT ee Excel ma shaqaynayso

Haddii qaacidada PPMT shaqaynayn Sida saxda ah ee xaashidaada shaqada, talooyinkan cilad-raadinta ayaa laga yaabaa inay ku caawiyaan:

>>
1. per dooddu waa inay ka weyn tahay 0 laakiin in ka yar ama la mid ah nper , haddii kale a #NUM! Khaladku wuu dhacaa.
2. Dhammaan dooduhu waa inay noqdaan tiro, haddii kale #QIIMAHA! khaladku wuu dhacaa.
3. Markaad xisaabinayso lacag-bixinta toddobaadle, bille ama saddexdii biloodba mar, hubi inaad u beddesho heerka ribada sannadlaha ah heerka u dhigma muddada u dhiganta sida ku cad tusaalooyinka sare, haddii kale natiijada qaacidada PPMT ayaa noqon doonta khalad.

Taasi waa sidaad u isticmaalayso shaqada PPMT gudaha Excel. Si aad u hesho tababar, waxaa lagugu soo dhawaynayaa inaad soo dejiso Tusaalooyinka Qaanuunka PPMT. Waxaan kaaga mahadcelinayaa inaad akhriday waxaana rajeynayaa inaan kugu arko blog-keena toddobaadka soo socda!