Tababarku wuxuu muujinayaa sida loogu isticmaalo shaqada IPMT ee Excel si loo helo qaybta dulsaarka ee lacag bixinta xilliyeed ee amaahda ama amaahda guryaha.

Mar kasta oo aad deyn qaadato, hadday tahay dayn, deyn guri ama deyn baabuur, waxaad u baahan tahay inaad dib u bixiso qaddarkii aad markii hore amaahatay iyo dulsaarka dusheeda. Marka la eego si fudud, dulsaarku waa kharashka isticmaalka qof (badanaa bangiga) lacagta

Qaybta ribada ee bixinta amaahda waxaa lagu xisaabin karaa gacanta iyadoo lagu dhufto heerka ribada muddada hadhaaga. Laakiin Microsoft Excel shaqo gaar ah ayey u leedahay tan - shaqada IPMT. Casharradan, waxaan si qoto dheer ugu sharraxi doonaa macnaheeda iyo bixinta tusaalooyinka qaacidada nolosha dhabta ah.

Excel IPMT function - syntax and basic use

IPMT waa shaqada dulsaarka ee Excel. Waxay soo celisaa cadadka dulsaarka amaahda ee wakhti go'an, iyada oo loo maleynayo in dulsaarka iyo wadarta guud ee lacag bixintu ay joogto yihiin muddooyinka oo dhan

Si aad si fiican u xasuusato magaca shaqada, ogow in "I" taagan yahay ee "ribada" iyo "PMT" ee "lacag bixinta"

Syntax ee shaqada IPMT ee Excel waa sida soo socota:

IPMT (qiimaha, per, nper, pv, [fv], [nooca) ])

Halka:

>
• > Qiime (loo baahan yahay) - dulsaarka joogtada ah ee muddada. Waxaad u keeni kartaa boqolley ahaan ama nambar tobanle.

  Tusaale ahaan, haddii aad bixiso sanadeedka lacag-bixinno amaah ah oo sannadle ahdulsaarka boqolkiiba 6, u isticmaal 6% ama 0.06 qiim .

  Haddii aad bixiso lacag-bixin todobaadle ah, bille ah, ama saddexdii biloodba mar, u qaybi sicirka sannadlaha tirada xilliyada lacag bixinta sannadkii, sida ka muuqata tusaalahan. Waxaad dhahdaa, haddii aad bixiso rubuc-meeloodba deyn oo leh dulsaar sanadle ah oo ah boqolkiiba 6, isticmaal 6%/4 qiim .

• per (loo baahan yahay) - muddada aad rabto inaad xisaabiso dulsaarka. Waa in ay ahaataa wadarta inta u dhaxaysa 1 ilaa nper .
• Nper (loo baahan yahay) - wadarta guud ee lacag bixinta inta lagu jiro inta ay jirto deynta.<11
• Pv (loo baahan yahay) - qiimaha hadda ee deynta ama maalgashiga. Si kale haddii loo dhigo, waa maamulaha amaahda, i.e. qaddarka aad amaahatay.
> 10> Fv (ikhtiyaar) - qiimaha mustaqbalka, ie. baaqiga la rabo ka dib bixinta ugu dambeysa ee la bixiyo. Haddii la dhaafo, waxaa loola jeedaa inay eber tahay (0) >
• > Nooca (ikhtiyaar) - waxay qeexaysaa marka lacag-bixinta la bixinayo:
  > 0 ama la dhaafay - lacag-bixinnada waa la bixiyaa. dhamaadka xilli kasta
>1 - lacag bixinta waxaa la bixiyaa bilowga xilli kasta > >

Tusaale ahaan, haddii aad heshay deyn dhan $ 20,000 , oo ay tahay inaad ku bixiso sannadqaybsi 3da sano ee soo socota oo leh ribo sanadeed 6%, qaybta ribada ee bixinta sanadka 1aad waxa lagu xisaabin karaa qaacidadan:> =IPMT(6%, 1, 3, 20000)> Halkii aad tirooyinka si toos ah u gelin lahayd qaacido, waad awoodaageli unugyo hore loo sii qeexay oo tixraac unugyadaas sida ku cad shaashadda hoose.

Si waafaqsan heshiiska socodka lacagta caddaanka ah, natiijadu waxa lagu soo celiyaa negative lambar sababtoo ah waxaad bixisay lacagtan soo bixi. Sida caadiga ah, waxa lagu iftiimiyay casaan waxaana lagu lifaaqay khaanad ( Lacag qaabka tirooyinka taban) sida ka muuqata qaybta bidix ee sawirka hoose. Dhanka midig, waxaad arki kartaa natiijada isla qaacidada qaabka Guud .

>

Haddii aad jeclaan lahayd inaad xiisa u hesho lambar togan , dhig calaamadda laga jaro ka hor ama dhammaan shaqada IPMT ama pv doodda:

> =-IPMT(6%, 1, 3, 20000)

ama

=IPMT(6%, 1, 3, -20000)

> Tusaalooyinka isticmaalka qaaciidada IPMT ee ExcelHadda oo aad taqaanid aasaaska, aynu aragno sida loo isticmaalo shaqada IPMT si aan u helno qaddarka dulsaarka kala duwan inta jeer ee lacag-bixinta, iyo sida isbeddelka shuruudaha amaahdu u beddelaan dulsaarka suurtagalka ah

Kahor intaanan quusin, waa in la ogaadaa in hababka IPMT ay ugu fiican tahay in la isticmaalo ka dib shaqada PMT ee xisaabisa wadarta qaddarka xilliyeedka. bixinta ( dulsaarka + maamulaha)

Qaabka IPMT ee soo noqnoqoshada lacag bixinta ee kala duwan (toddobaadyo, bilo, rubuc)

Si aad u hesho qaybta dulsaarka ee xaqa bixinta amaahda, waa inaad had iyo jeer u beddeshaa dulsaarka sannadlaha ah. heerka u dhigma heerka muddada u dhigma iyo tirada sannadaha ilaa tirada guud ee lacag bixintamuddooyinka:

>
• Doodda heerka , u qaybi dulsaarka sannadlaha tirada lacag bixinta sannadkii, adiga oo u malaynaya in tan dambe ay la mid tahay tirada xilliyada isku-darka sannadkii. 11>
• nper dood , ku dhufo tirada sannadaha tirada lacagta la bixinayo sannadkii.
>

Shaxda soo socota ayaa muujinaysa xisaabinta:

<16 Soo noqnoqoshada lacag bixinta > doodda Toddobaad kasta ribada sannadlaha ah heerka / 52 sano * 52 Bishii heerka ribada sannadkii / 12 sano * 12 <20 Saddex-biloodle sannad dulsaarka / 4 sanadaha * 4 >>Sanad-sare sannadeed dulsaarka/2 sanadaha * 2 > >

Tusaale ahaan, aynu soo qaadano xadiga dulsaarka aad ku bixinayso isla dayn balse kala duwan Inta jeer ee lacag bixinta:

>
• Qiimaha ribada sannadlaha ah: 6%
• Mudada amaahda: 2 sano
> Qadarka amaahda: $20,000 >
• Muddada: 1<11

Miisaanka ka dib r lacagta ugu danbeysa waa in ay noqotaa $0 ( fv doodda laga saaray), lacag bixintana waxa ay ku egtahay dhamaadka xilli kasta ( nooca doodda laga saaray)

<0 Toddobaadkii:

=IPMT(6%/52, 1, 2*52, 20000)

Bishii :

=IPMT(6%/12, 1, 2*12, 20000)

>Saddex-biloodle :

=IPMT(6%/4, 1, 2*4, 20000)

>hoos u dhaca xilli kasta oo xiga. Kani waasababtoo ah lacag bixin kasta waxay ka qayb qaadanaysaa dhimista maamulaha amaahda, taasina waxay yaraynaysaa hadhaaga hadhsan ee dulsaarka lagu xisaabinayo

Sidoo kale, fadlan ogow in wadarta xadiga dulsaarka ee isla amaahda lagu bixinayo ay ku kala duwan tahay sannadlaha, nus-sanadlaha. iyo qaybo saddexdii biloodba mar ah:

, laakiin noocyo kala duwan oo sannad-sannadeed (joogto ah iyo sannad-sannadeed-dhammaan). Taas awgeed, waxaan u baahan doonaa inaan isticmaalno qaabka buuxa ee shaqada IPMT

Si aad u bilawdo, aynu qeexno unugyada wax gelinta:

>
• B1 - heerka dulsaarka sannadlaha
10>B2 - muddada amaahda ee sanadaha >
• B3 - tirada lacag bixinta sannadkii
• B4 - qaddarka amaahda ( pv )
> 10>B5 - qiimaha mustaqbalka ( fv ) >
• B6 - marka lacag bixinta la bixiyo ( nooca ):
  >0>0 - marka ay dhamaato muddada (sanadka caadiga ah)
• 1 - Bilowga muddada (canad bixinta)
>

>

Marka loo eego lambarka xilliga ugu horreeya inuu ku jiro A9, qaacidada xiisahayadu waxay u socotaa sida soo socota:

=IPMT($B$1/$B$3, A9, $B$2*$B$3, $B$4, $B$5, $B$6)

Ogow. Haddii aad qorsheyneyso inaad isticmaasho qaaciidada IPMT in ka badan hal xilli, fadlan maskaxda ku hay tixraacyada unugga. Dhammaan tixraacyada unugyadu waa inay ahaadaan kuwo dhammaystiran (oo wata calaamadda dollarka) si ay ugu xidhmaan unugyadaas. Doodda per waa inay noqotaa tixraac unug qaraabo ah (iyada oo aan lahayn calaamadda dollarka sida A9) sababtoo ah waa inay isbedelaan iyadoo lagu saleynayomarka la eego booska safka ee qaacidada loo koobiyeeyo

>Hadaba, waxaan galeynaa qaacidada sare ee B9, hoos u jiid muddooyinka harsan, oo hel natiijada soo socota. Haddii aad is barbardhigto tirooyinka ku jira tiirarka Ribada(caqliga joogtada ah ee bidixda iyo gunnada-dhammaadka ee dhanka midig), waxaad ogaan doontaa in dulsaarku uu yara hooseeyo marka aad bixiso bilowga xilliga.<3

Shaqada Excel IPMT ma shaqaynayso

Haddii qaacidada IPMT-gaagu ay khalad keento, waxay u badan tahay inay noqoto mid ka mid ah kuwan soo socda:

> 26> 10>#NUM! Khaladku waa perdooddu way ka baxsan tahay xadka 1 ilaa nper.

#VALUE! qaladku wuxuu dhacaa haddii mid ka mid ah doodaha aanu ahayn tiro.

> 27>

Taasi waa sida aad u isticmaasho shaqada IPMT ee Excel. Si aad si dhow ugu fiirsato qaacidooyinka looga hadlay casharkan, waxaa lagugu soo dhawaynayaa inaad soo dejiso Buug-hawleedka shaqada ee Excel IPMT. Waxaan kaaga mahadcelinayaa inaad akhriday waxaana rajeynayaa inaan kugu arko blog-keena toddobaadka soo socda!