Namunaviy masalalar yechish

Berilgan: FV= 15; r= 40%; n = 5.
Topish kerak: R = ?
Yechish: Bevosita (1.10) matematik formula yordamida hisoblash:
ming so’m.
U holda avtomobilning hozirgi narxi (40%li stavkada)
ming so’m bo’lar ekan. Bundan va (1.10) formuladan yana R=1,370.41 ming so’m ekanligi kelib chiqadi.
E xcelning moliyaviy funksiyalar paketi yordamida quyidagicha hisoblash mumkin:R = 15*БС(0.4;1;-1;;)/БС(0.4;5;-1;;) =1,370.41 ming so’m,
yoki R = ПЛТ(0,4;5;0;15000;0) = 1,370.41 ming so’m,

Maple 9.5 dasturi yordamida hisoblash:

6- misol. $10 000 miqtordagi mablag’ 5 yilga 8% stavka bilan berildi. Qarzni uzishda yillik to’lov (R) qiymatini toping?
Berilgan: PV= $10 000; r = 8%; n = 5.
Topish kerak: R = ?
Yechish: Bevosita (1.10) matematik formula yordamida hisoblash:


Excelning moliyaviy funksiyalar paketi yordamida quyidagicha hisoblash mumkin:
R = 10000*БС(0.08;1;-1;;)/БС(0.08;5;-1;;) = $2,504.56,
yoki R = ПЛТ(0,08,5,10000,0,0) = = $2,504.56,

Maple 9.5 dasturi yordamida hisoblash:

> with(finance): 10000*futurevalue(1,0.08*5,5)*effectiverate(0.08,1)/ effectiverate(0.08*5, 5); = $2,504.56,

Demak yiliga R=$2,504.56 dan 5 yilda qaytarilar ekan. Bu holda bankning daromadi:

bo’lar ekan. Foyda I=FV-PV=$4,693.25 yoki oshgan summa FV(A)=10000 ((1+0,8)⁵)=$14.693.28 bo’ladi.

7-misol. To’lov oqimi quyidagi jadval bilan berilgan va foiz stavkasi 12% bo’lsa, uning oshgan qiymatini toping?

k	1	2	3	4	5
Rk	100	200	200	300	300