Tababarku wuxuu muujinayaa sida loo dhiso jadwal wax-ka-goynta gudaha Excel si loo faahfaahiyo lacagaha xilliyeed ee amaahda ama amaahda amaahda ah.

An amaahda amortizing waa uun qurux. habka loo qeexo amaahda dib loo bixiyo qayb-qayb inta lagu jiro muddada amaahda oo dhan.

Asal ahaan, dhammaan deymaha ayaa si uun ama si kale u dhimaya. Tusaale ahaan, amaahda dhimista buuxda ee 24 bilood waxay yeelan doontaa 24 lacag-bixinno isku mid ah bishii. Lacag-bixin kastaa waxay khusaysaa xoogaa qaddar ah maamulaha qaarna dulsaarka. Si aad u faahfaahiso lacag bixin kasta oo amaah ah, waxaad dhisi kartaa jadwal deyn bixin ah

Jadwalka aamminta waa jadwal taxaya lacagaha xilliyeed ee amaahda ama amaahda amaahda, jebiya lacag kasta galay maamule iyo dulsaar, oo muujiya hadhaaga soo hadhay ka dib lacag bixin kasta

>>>>>>>>>>>

Sida loo abuuro jadwal amaahda amaahda ee Excel

Si loo dhiso jadwal deyn ama amaah deyn amaah ah Excel, waxaan u baahan doonaa inaan isticmaalno howlaha soo socda:>>>>>>Shaqada PMT - waxay xisaabisaa wadarta qaddarkaee lacag-bixinta xilliyeedka ah. Lacagtani waxay joogtaa dhammaan muddada deynta.

Shaqada PPMT - waxay helaysaa maamulaha qayb kasta oo lacag bixin ah oo ku socota maamulaha amaahda, tusaale ahaan qaddarka aad amaahatay. Qadarkaani wuxuu kordhiyaa lacagaha soo socda.

Shaqada IPMT - waxay heshaa dulsaarka qayb kasta oo lacag bixin ah oo u socota dulsaarka.Hayso lacag-bixino dheeraad ah oo kala duwan , kaliya ku qor qaddarka shakhsiga si toos ah khaanadda Lacag-bixinta Dheeraadka ah 0>Si fudud, ku dar lacag-bixinta la qorsheeyay (B10) iyo lacag-bixinta dheeraadka ah (C10) ee muddada hadda:

=IFERROR(B10+C10, "")

> Maamulaha (E10)

0>Haddii jadwalka lacag bixinta muddo cayiman uu ka badan yahay eber, soo celi in yar oo ka mid ah labada qiime: lacag bixin jadwal ah oo laga jaray dulsaarka (B10-F10) ama baaqiga soo hadhay (G9); haddii kale soo celi eber.

=IFERROR(IF(B10>0, MIN(B10-F10, G9), 0), "")

Fadlan ogow in maamuluhu uu ku jiro oo keliya qaybta lacag-bixinta la qorsheeyay (ma aha lacag-bixinta dheeraadka ah!) ee u socota maamulaha amaahda.

Ribada (F10)

Haddii jadwalka lacag-bixinta ee muddo cayiman uu ka badan yahay eber, u qaybi dulsaarka sannadlaha ah (oo lagu magacaabo cell C2) tirada lacag bixinta sanadkiiba (oo lagu magacaabo unug C4) oo ku dhufo natiijada dheelitirka soo haray kadib xilligii hore; haddii kale, soo celi 0.

=IFERROR(IF(B10>0, InterestRate/PaymentsPerYear*G9, 0), "")

Balance (G10)

Hadii hadhaaga (G9) ka weyn yahay eber, ka jar qaybta ugu muhiimsan ee lacag-bixinta (E10) iyo lacag-bixinta dheeraadka ah (C10) ee hadhaaga ka haray muddadii hore (G9); haddii kale soo celi 0.

=IFERROR(IF(G9 >0, G9-E10-C10, 0), "")

Xusuusnow. Sababtoo ah qaar ka mid ah qaaciidooyinka ayaa isu gudbinaya midba midka kale (ma aha tixraac wareeg ah!), Waxa laga yaabaa inay soo bandhigaan natiijooyin khaldan habka. Markaa, fadlan ha bilaabin cilad-baadhista ilaa aad soo gashoqaacidada ugu dambaysa ee miiska goynta.

>Haddii dhammaan si sax ah loo sameeyo, jadwalka deyn bixinta wakhtigan waa inuu u ekaado sidan: > 5. Qari muddooyinka dheeraadka ah >

Deji xeer habayn shuruudaysan si aad u qariso qiyamka xilliyada aan la isticmaalin sida lagu sharaxay tilmaantan. Farqiga u dhexeeya ayaa ah in markan aan ku dabaqno midabka farta cad ee safafka ay Guud ahaan lacag bixinta (column D) iyo Balance (column G) la mid yihiin eber ama madhan:

Sidoo kale eeg: Shaqada SORTBY ee Excel - hab gaar ah oo leh qaacido

> =AND(OR($D9=0, $D9=""), OR($G9=0, $G9="")) >Voilà, dhammaan safafka leh qiyamka eber way ka qarsoon yihiin aragtida: >> 6. Samee soo koobida amaahda >

Si dhammaystiran taabasho kaamil ah, waxaad soo saari kartaa macluumaadka ugu muhiimsan ee amaahda adiga oo isticmaalaya hababkan:

> Lambarka lacag-bixinta ee la qorsheeyay: 3>

Ku dhufo tirada sannadaha tirada lacag bixinta sannadkii:

> =LoanTerm*PaymentsPerYear > Tirada lacag-bixinta dhabta ah: > gudaha Wadarta Lacag-bixinta ee ka weyn eber, laga bilaabo Muddada 1:

=COUNTIF(D10:D369,">"&0)

Wadarta lacag-bixinta dheeraadka ah:

>Ku dar unugyada safka Lacag-bixinta Dheeraadka ah , oo ka bilaabmaya Muddada 1:

=SUM(C10:C369)

> Wadarta xiisaha:

>Ku dar Unugyada safka Ribada , oo ka bilaabmaya Muddada 1: > =SUM(F10:F369) >Ikhtiyaar ahaan, qari Xiddiga 0 safka, iyo jadwalka deyn bixinta oo leh lacag-bixinno dheeraad ah ayaa la sameeyaa! Sawirka hoose wuxuu muujinayaa natiijada kama dambaysta ah:

Soo dejin joojinta amaahdajadwal leh lacag-bixino dheeraad ah

>>Jadwalka Amortization Excel template >Si aad u samayso jadwal deyn deyn ah oo heersare ah wakhti yar gudaheed, isticmaal qaab-dhismeedka gudaha ee Excel. Kaliya u tag Faylka > Cusub , ku qor " Jadwalka aabbaha " sanduuqa raadinta oo soo qaado qaabka aad jeceshahay, tusaale ahaan, kan leh lacag-bixinno dheeraad ah :

Kadib u keydi buug-shaqeedka cusub ee la sameeyay sida template Excel oo dib u isticmaal mar kasta oo aad rabto.

Taasi waa sida aad u abuurto jadwal deyn ama deyn amaah ah gudaha Excel. Waxaan kaaga mahadcelinayaa inaad akhriday waxaanan rajeynayaa inaan kugu arko blogkeena toddobaadka soo socda!

> 12>la soo dajin karo

Tusaaleyaal Jadwalka Amortization (.xlsx file)

> > Lacagtani waxay hoos u dhacdaa lacag kasta

>>Hadda, aynu si tallaabo-tallaabo ah u marno habka>12>1. Samee miiska amortization

Bilawga, qeex unugyada wax gelinta halka aad geli doonto qaybaha la yaqaan ee amaahda:

>

C2 - heerka dulsaarka sannadlaha

>C3 - muddada amaahda ee sanadaha>C4 - tirada lacag bixinta sannadkii>C5 - qaddarka amaahda> 7> Waxa ku xiga ee aad samayso waa inaad abuurto miiska amortization calaamadaha ( Muddada, Bixinta, Dhibka, Maamulaha, Hadhaaga) ee A7:E7. Tiirka Muddada, geli tirooyin taxane ah oo u dhigma tirada guud ee lacag-bixinta (1-24 ee tusaalahan):

Iyada oo dhammaan qaybaha la yaqaanno ay jiraan, aynu gaadhno qaybta ugu xiisaha badan - hababka amaahinta amaahda

2. Xisaabi wadarta lacagta lacag bixinta ( qaacidada PMT )

Qaddarka lacag-bixinta waxaa lagu xisaabiyaa PMT (qiimaha, nper, pv, [fv], [nooca]). si sax ah (sida toddobaadle, bille, saddex biloodle, iwm.), waa inaad la socotaa qiyamka lagu soo bandhigay qiimaha iyo nper doodaha:

>
• Qiimaha - U qaybi dulsaarka sannadlaha tirada xilliyada lacag bixinta sannadkii ($ C$2/$C$4)
>
• Nper - ku dhufo tirada sannadaha iyadoo la eegayo tirada xilliyada lacag bixinta sannadkii ($ C$3*$C$4)
>
• Doodda pv , geli qaddarka deynta ($ C$5)
• ku fv iyo nooca doodaha waa laga tagi karaa maadaama qiyamkooda caadiga ahi ay si fiican noogu shaqeeyaan (dheelitir ka dib lacag bixinta ugu dambeysa waa 0; lacag bixinta waxaa la bixiyaa dhamaadka xilli kasta)
>

Marka la isu geeyo doodaha kor ku xusan, waxaynu helaynaa qaacidadan:

> =PMT($C$2/$C$4, $C$3*$C$4, $C$5)>Fadlan u fiirso, inaan isticmaalno tixraacyo unug oo dhammaystiran, sababtoo ah qaacidadani waa inay nuqul ka samaysaa Unugyada hoose iyada oo aan wax isbeddel ah lahayn.> Geli qaacidada PMT ee B8, u jiid tiirka, oo waxaad arki doontaa qaddar lacag bixin joogto ah dhammaan xilliyada:> 3. Xisaabi dulsaarka (qaabka IPMT)

Si aad u hesho qaybta dulsaarka ee lacag bixin kasta oo xilliyeed kasta ah, isticmaal IPMT (qiimaha, per, nper, pv, [fv], [nooca]) shaqada:

=IPMT($C$2/$C$4, A8, $C$3*$C$4, $C$5)

Dhammaan dooduhu waxay la mid yihiin qaacidada PMT, marka laga reebo per doodda qeexaysa muddada lacag bixinta. Dooddan waxa loo soo gudbiyay tixraac unug qaraabo ah (A8) sababtoo ah waxa loo malaynayaa in la beddelo iyadoo lagu salaynayo heerka qaraabada ee safka loo koobiyeynayo qaacidada

Qaciidadani waxa ay aadaysaa C8, ka dibna waad koobiyaysaa hoos ilaa inta unug ee loo baahan yahay: >

4. Soo hel maamulaha (qaabka PPMT)

Si aad u xisaabiso qaybta ugu muhiimsan ee lacag bixin kasta oo xilliyeed ah, isticmaal qaacidada PPMT-kan:

=PPMT($C$2/$C$4, A8, $C$3*$C$4, $C$5)

Syntax iyo dooduhu waa isku mid sida ku qoran qaacidada IPMT ee kor looga hadlay:

Qaciidadani waxa ay tagtaa tiirka D, ka bilaabma D8: > Talo. Si aad u hubiso in aadxisaabintu waa sax markan, ku dar tirooyinka ku jira Maamulaha iyo Xisbiga tiirarka. Wadarta guud waa inay la mid noqotaa qiimaha ku jira Payment tiirka isla safka

> 5. Hel hadhaaga haray >Si loo xisaabiyo baaqiga hadhay muddo kasta, waxaanu adeegsan doonaa laba nooc oo kala duwan>Si aad u hesho hadhaaga ka dib bixinta ugu horreysa ee E8, ku dar qaddarka amaahda (C5) iyo maamulaha muddada ugu horreysa (D8):

=C5+D8

Sababtoo ah qaddarka amaahdu waa lambar togan oo maamuluhu waa lambar taban, kan dambe ayaa dhab ahaantii laga jaray kii hore.

Xiddiga labaad iyo dhammaan kuwa ku guulaysta, isku-dar hadhaaga hore iyo maamulaha muddadan:

=E8+D9

Qaabka sare waxa uu tagayaa E9, ka dibna koobi hoos tiirka. Sababtoo ah isticmaalka tixraacyada unugga qaraabada ah, qaacidada ayaa si sax ah u habeyneysa saf kasta.

Taasi waa! Jadwalkeena amaahda bilaha ah waa la sameeyaa: >

Talo: U soo celi lacagaha sida lambarada togan

>Sababtoo ah deyn ayaa laga bixiyay akoonkaaga bangiga, Hawlaha Excel waxay soo celiyaan lacag-bixinta, dulsaarka iyo maamulaha tirooyinka taban . Sida caadiga ah, qiimayaashan waxaa lagu iftiimiyay casaan waxayna ku lifaaqan yihiin jaantusyo sida aad ka arki karto sawirka kore.

Haddii aad doorbidayso inaad dhammaan natiijooyinka u hesho positive lambar, dhig calaamad laga jaray kahor PMT, IPMT iyo PPMT hawlahaqaacidooyinka, isticmaal kala-goynta halkii aad ku dari lahayd sida ku cad shaashadda hoose:

Jadwalka amortization ee tiro doorsooma oo muddo ah

Tusaalaha kore, waxaan u dhisnay jadwal deyn deyn ah oo loogu talagalay tirada horay loo qeexay ee xilliyada lacag bixinta. Xalkan degdega ah ee hal mar ah wuxuu si fiican ugu shaqeeyaa deyn gaar ah ama deyn gaar ah

Haddii aad raadineyso inaad abuurto jadwal dib-u-cusbooneysiin ah oo leh tiro xilliyo isbedbeddelaya, waa inaad qaadatid hab aad u dhammaystiran oo hoos lagu sharraxay.

1. Geli tirada ugu badan ee xilliyada

>Tiirka Muddada , geli tirada ugu badan ee lacag-bixinaha aad u oggolaanayso amaah kasta, dheh, 1 ilaa 360. Waxaad awood u yeelan kartaa Excel's AutoFill sifada si aad u galiso tirooyin taxane ah si degdeg ah.

2. U adeegso HADDII Oraahyada ku jira qaacidooyinka amortization

>Sababtoo ah waxaad hadda haysaa tirooyin xad-dhaaf ah oo badan, waa inaad si uun u xaddidaa xisaabinta tirada dhabta ah ee lacag-bixinnada amaah gaar ah. Tan waxaa lagu samayn karaa iyadoo lagu duuduubo qaacido kasta bayaan HADDII ah. Imtixaanka macquulka ah ee bayaan IF wuxuu hubinayaa haddii lambarka muddada ee safka hadda jira uu ka yar yahay ama la mid yahay tirada guud ee lacag-bixinta. Haddii imtixaanka macquulka ah uu yahay RUN, shaqada u dhiganta waa la xisaabiyaa; Haddii BEEN, xarig madhan ayaa la soo celinayaa.

Marka loo eego Muddada 1 inay ku jirto safka 8, geli hababka soo socda unugyada u dhigma, ka dibna ku koobbi guud ahaanmiiska oo dhan.

Bixinta (B8):

=IF(A8<=$C$3*$C$4, PMT($C$2/$C$4, $C$3*$C$4, $C$5), "")

>Ribada (C8):

> =IF(A8<=$C$3*$C$4, IPMT($C$2/$C$4, A8, $C$3*$C$4, $C$5), "")

Maamulaha (D8):

=IF(A8<=$C$3*$C$4,PPMT($C$2/$C$4, A8, $C$3*$C$4, $C$5), "")

Balance :

> Muddada 1(E8), qaacidadu waxay la mid tahay tusaalihii hore:

=C5+D8

Muddada 2 (E9) iyo dhammaan xilliyada xiga, qaacidadu waxay qaadanaysaa qaabkan:

=IF(A9<=$C$3*$C$4, E8+D9, "")

Natiijadu waxay tahay, waxaad haysataa jadwal si sax ah loo xisaabiyay iyo safaf maran oo wata tirooyinka xilliga ka dib marka deynta la bixiyo.

3. Qari lambarrada xilliyada dheeraadka ah

> Haddii aad la noolaan karto tiro tirooyin xilli-xidid ah oo la soo bandhigay ka dib lacag-bixintii ugu dambeysay, waxaad tixgelin kartaa shaqada la qabtay oo ka boodi tallaabadan. Haddii aad ku dadaasho dhammaystirka, ka dib qari dhammaan xilliyada aan la isticmaalin adiga oo samaynaya qaanuun qaabayn shuruudaysan oo dejinaya midabka farta cad saf kasta ka dib marka lacag bixinta u dambaysa la bixiyo.>Tani, dooro dhammaan safafka xogtahaddii miiskaaga amortization (A8: E367 kiiskeena) oo dhagsii Hometab > qaabaynta shuruudaysan> Xeerka cusub…> Isticmaal qaacido si aad u go'aamiso unugyada loo qaabayn doono.

Sanduuqa u dhigma, geli qaacidada hoose ee hubinaysa haddii lambarka muddada ku jirta tiirka A uu ka weyn yahay wadarta guud. tirada lacag bixinta:

> =$A8>$C$3*$C$4

Qoraal muhiim ah! Qaabka qaabaynta shuruudaha ku salaysan si ay si sax ah u shaqeyso, hubi inaad isticmaasho tixraacyada unugga dhammaystiran ee Erayga amaahda iyo Lacagaha la bixiyo sannadkii unugyo aad ku dhufato ($C$3*$C$4). Alaabta waxaa lagu barbardhigay Muddada 1 unug, kaas oo aad u isticmaasho tixraac unug isku dhafan - tiir buuxda iyo saf qaraabo ($ A8)

>Intaas ka dib, dhagsii Format…badhanka oo dooro midabka farta cad. La sameeyay!

4. Samee soo koobida amaahda

> Si aad u aragto macluumaadka kooban ee ku saabsan deyntaada jaleeco, ku dar dhowr qaacido oo dheeraad ah oo ku yaal halka ugu sareysa jadwalkaaga amortization.>

> Wadarta lacag bixinta ( F2):

=-SUM(B8:B367)

> Dhul-saar(F3):

=-SUM(C8:C367)

Haddii aad haysato lacag-bixinno lambaro togan ah, ka saar calaamadda laga jaro qaacidooyinka sare.

Waa taas! Jadwalka dhimista amaahda waa la dhammaystiray oo way fiican tahay in la tago!

Soo deji jadwalka amaahinta amaahda ee Excel

>Sida loo sameeyo jadwalka amaahda amaahda oo leh lacag-bixinno dheeraad ah oo Excel ah ( rajada :). Si kastaba ha ahaatee, waxay ka tagaan sifo faa'iido leh oo bixiyeyaasha amaahda badani ay xiiseynayaan - lacag-bixinno dheeraad ah si ay u bixiyaan amaahda si dhakhso ah. Tusaalahan, waxaan eegi doonaa sida loo abuuro jadwalka amaahinta amaahda oo leh lacag-bixinno dheeraad ah.>12>1. Qeex unugyada wax gelinta

Sida caadiga ah, ku billow dejinta unugyada wax gelinta. Xaaladdan oo kale, aan u magacowno unugyadan sida hoos ku qoran si aan u fududeyno hab-raacyadayada si loo akhriyo:

>
• Qiimaha dulsaarka - C2 (xiisaha sannadlaha ahheerka)
>
• LoanTerm - C3 (muddada amaahda ee sannadaha)
• PaymentsPerYear - C4 (tirada lacag-bixinta sannadkii)
<10 Lacagta amaahda - C5 (wadarta qaddarka amaahda) >
• Lacag-bixinta dheeraadka ah - C6 (lacag-bixin dheeraad ah muddo)
>

> 12>2. Xisaabi lacag-bixin la qorsheeyay

Marka laga reebo unugyada gelinta, hal unug oo kale oo horay loo sii qeexay ayaa loo baahan yahay xisaabintayada dheeraadka ah - qaddarka lacag bixinta la qorsheeyay , ie, qaddarka deynta lagu bixinayo haddii aysan jirin wax dheeraad ah lacagaha ayaa la bixiyaa. Qadarkan waxaa lagu xisaabiyaa qaacidooyinka soo socda:

> =IFERROR(-PMT(InterestRate/PaymentsPerYear, LoanTerm*PaymentsPerYear, LoanAmount), "")>Fadlan fiiro gaar ah u yeelo inaan calaamad ka jaro ka hor dhigno shaqada PMT si natiijadu u noqoto tiro togan. Si looga hortago khaladaadka haddii ay dhacdo in qaar ka mid ah unugyadu ay maran yihiin, waxaanu ku lifaaqnaa qaacidada PMT ee shaqada IFERROR.> Geli qaacidadan unugga qaar (G2 kiiskeenna) oo magaca unugga Jadwalka Bixinta.

3. Samee miiska amortization

>Samee miiska amortization amaah ah madaxyada ka muuqda sawirka hoose. Tiirka Muddadageli tirooyin taxane ah oo ka bilaabanaya eber (waxaad qarin kartaa Muddada 0safka dambe haddii loo baahdo). Jadwalka dhimista, geli tirada ugu badan ee suurtogalka ah ee xilliyada lacag bixinta (0 ilaa 360 tusaalahan)

Muddada 0 ( safka 9 kiiskeenna), jiid Balance qiimaha, oo la mid ah qaddarka deynta asalka ah. Dhammaan kuwa kaleUnugyada safkan waxay ahaan doonaan faaruq:

Formula G9:

=LoanAmount >

4. U dhis qaabab jadwal lacag-bixineed oo dheeraad ah

>Tani waa qaybta muhiimka ah ee shaqadeena. Sababtoo ah hawlaha gudaha ee Excel ma bixiyaan lacag-bixino dheeraad ah, waa inaan samaynaa dhammaan xisaabta keligeenna.

Ogow. Tusaalahan, Muddada 0 waxa ay ku jirtaa safka 9-aad iyo Muddada 1 waxa ay ku jirtaa safka 10. Haddii miiskaaga amortization-ku uu ku bilowdo saf kale, fadlan hubi in aad u habayso tixraacyada unugga si waafaqsan.

Geli qaacidooyinka soo socda safka 10 ( Mudada 1),kadibna koobbi iyaga ilaa inta ka harsan oo dhan (B10):

Haddii Payment Jadwalka (oo lagu magacaabo unugga G2) ay ka yar tahay ama la mid tahay hadhaaga haray (G9), isticmaal lacag bixinta jadwalka Haddii kale, ku dar hadhaaga hadhay iyo dulsaarka bishii hore.

> =IFERROR(IF(ScheduledPayment<=G9, ScheduledPayment, G9+G9*InterestRate/PaymentsPerYear), "")>Taxaddar dheeraad ah, waxaan ku duubnaa tan iyo dhammaan hababka xiga ee shaqada IFERROR. Tani waxay ka hortagi doontaa khaladaad badan oo kala duwan haddii unugyada wax gelinta qaarkood ay madhan yihiin ama ay ku jiraan qiimayaal aan sax ahayn.

Lacag-bixinno Dheeraad ah (C10):

Isticmaal qaacido HADDII leh caqliga soo socda:

Haddii Payment (oo lagu magacaabo unugga C6) ay ka yar tahay faraqa u dhexeeya hadhaaga hadhay iyo maamulaha muddadan (G9-E10), soo celi ExtraPayment ; haddii kale isticmaal faraqa.

=IFERROR(IF(ExtraPayment

Talo. Hadii aad