How kuverenga nyore kufarira?

Percentage - a ramazana chikamu nhamba. Kurishandisa, unogona ngaaverenge nhamba hukuru zvose. Simple Interest - ndiro mari iri kuguma Billing nguva kuti urongwa yepakutanga chikwereti. Ari zvinowanzoshandiswa nokuda kukarukureta uwandu wakabudiswa Accreted upfumi kana zvikwereti. Bank mari vanofanira 'kushanda "uye kuunza mari womunhu anomukweretesa. Apo akadzika kuti chikwereti mubereko rinowanika - mutengo ichi rinowanikwa mathematically kuti pakupfuwa urongwa zvikwereti. Kana mari vakanga chete rakapa pamusoro mari, inonzi iri nyore chikamu. Change inogona, pamwe zviratidzi zvitatu:

1. Nemari yaainge iri kana yashandiswa.
2. The interest - inoenzanirana aifanira kuverenga huwandu mubereko. Zviri chibvumirano pakati akakweretesa uye anokwereta. Chinotaurwa kuva chikamu muchimiro zvavo zvikamu zviduku kana grade.
3. Time nguva - nguva iyo unofanira kuripa.

The zvikuru nguva uyo chikwereti raiswa, chikuru kufarira womunhu anomukweretesa. Standard penguva nguva kwema dzemari kazhinji ndiro gore karenda. Naizvozvo, mano mubereko nhoroondo nokuti pashure nguva iri mari yakagamuchirwa kamwe, zvichienderana chimbadzo.

zano iri yokuti mujinga ine mhosva, vachava kuchinja. Regai atora chikwereti (kana mari) achava akaenzana P, kuti chimbadzo - r. Cash ari chikwereti wakatorwa pamusoro pezvakaita nyore kufarira, kana akakweretesa guru anowedzera gore uwandu Pr. Uye pashure pemakore N nayo vachakwanisa kugamuchira huwandu Sn: Sn = P + Pr + ... + Pr = P (1 + rwembeu).

Nemamwe mashoko, kana ukawana kubhengi nemari iri uwandu zviuru 10 rubles nokuda nyore chikamu, somuenzaniso 10%, ipapo pakupera kwegore kubhadhara 11 zviuru rubles.

Sn = 10000 + 10000 x 10% = 11000 kuzora.

Makore maviri gare gare, mari iyi ichava 12 zviuru rubles, uye mumakore matatu - 13 zviuru rubles.

Sezvo nzira rinoumbwa variables mana, zvinokwanisika kugadzirisa nezvemarudzi mana matambudziko. First - iri rakananga Kutsunga uwandu dzakava uye zvitatu neizvi basa: uwandu mari, chimbadzo uye chikwereti nguva. kukarukureta uku kwakarurama kana nguva chikwereti akaenzana gore. Zvadaro, mutoo uyu zvinoratidza kuti chimbadzo akaenzana:

R = S / P - 1 / n.

Kana tichida kuverenga mumwedzi nyore kufarira, iyo nzira vachava akasiyana tarirai. Ngatitii kuti nguva penguva anopiwa 3 months, ipapo? R = S / P - 1:

R3 / 12 = P + Pr / (12 x 3).

Ngaaverenge chikamu uwandu kuti mumwe kumwedzi zviri nyore, achishandisa nzira nyore kufarira. Nokuti vakasununguka kubva computation rokuchinja mwero grade. Nokuti kuti kukosha kwayo yakakamurwa 100 (R / 100).

Kubhangi zvibvumirano yakanatsa chimbadzo, inosidzikwa kwenguva gore rimwe. Narwo unogona huwandu mari. Kana ukoshi ichi yakakamurwa mazuva mugore, zvinokwanisika kuti huwandu mubereko pazuva. Huwandu zuva nezuva kufarira kuwanda nokuda zvaida nguva, tipei mari kuti ndizvidavirire nguva.

Somuenzaniso, kuwanda yepakutanga chikwereti S - 200 zviuru rubles .. Interest - 14,5%. Billing nguva ndiwo mwedzi mumwe (kana 31 mazuva). Chinangwa: Kuti vazive anodiwa mari kubhadharwa nokuda chikwereti. mhinduro:

200 X 14,5 / 100 X 31/365 = 2,463 zviuru. Kuzora.