Inta aan ku shaqaynayno deymo la amaahday, waa in aan xisaabinnaa xadiga dulsaarka ama raasamaal ee ay tahay in aan ku bixinno deyntaas. Waxaan si fudud u xisaabin karnaa dulsaarka amaahda gudaha Excel anagoo adeegsanayna hawlo maaliyadeed oo la dhisay oo lagu magacaabo PMT, IPMT, PPMT , iyo CUMIPMT . Maqaalkan, waxaan ku tusi doonaa sida loo isticmaalo hawlahan si loo xisaabiyo dulsaarka mudada la cayimay, ribada sanadka la bixiyay, iyo heerka ribada

> Soo deji Buug-shaqeedka Dhaqanka >

Soo deji buuggan barbaradka ah si aad hawsha u gudato inta aad maqaalkan akhrinayso

> Xisaabinta xiisaha Ku xisaabi dulsaarka amaahda gudaha Excel>>

Aynu ka soo qaadno dhacdo aan ku haysanno dayn gaadhaysa $5000. Heerka dulsaarka sannadlaha ah ee amaahdu waa 4% sannadkii. Amaahda waxaa la qaatay 5 sano. Waxaan u baahanahay inaan xisaabino xiisaha xogtan la bixiyay. Qaybtan, waxaan kaga hadli doonaa shan hab oo kala duwan si loo xisaabiyo dulsaarka amaahda ee excel.

>>

> 1. Xisaabi Bixinta amaahda go'an ee Bil kasta ama Sannad kasta >

> Waxaad isticmaali kartaa shaqada PMTsi aad u xisaabiso dulsaarka go'an ee amaahda Excel muddo cayiman.0 Hordhaca Shaqada PMT

> Ujeeddada Shaqada:

lacag-bixin joogto ah iyo dulsaar joogto ah.

Syntax:

=PMTBil ama sanad gaar ah> Ribada wadarta ah ee lagu bixiyay amaah inta u dhaxaysa bilowga_period iyo dhamaadka_period.

Sintax:

=CUMIPMT(rate, nper, pv, start_period, end_period), [nooca ]) >

Sharraxaadda doodda: >

> > > > > >Qiimaha ribada muddada > > 18> Nper > > > > > > > Bilowga_muddo >>

Dood	Waxa loo baahan yahay/Ikhtiyaar	>Sharaxaad
>>Qiimaha >>	Loo baahan yahay
Loo baahan yahay	Tirada guud ee xilliyada lacag bixinta ee sannad-sannadeedka
Pv<2	Loo baahan yahay	Qiimaha hadda jira, ama wadarta guud ee lacagaha taxanaha ah ee mustaqbalka ay hadda mudan yihiin.
Loo baahan yahay	Xiddiga ugu horreeya ee xisaabinta. Mudada lacag bixinta waxa lagu tiriyaa laga bilaabo 1.
Dhammaadka_muddada

<0 Loo baahan yahay> Xiddiga ugu dambeeya ee xisaabinta ama 1. Waxay tilmaamaysaa wakhtiga lacag bixinta la bixinayo. Haddii nooca la dhaafo, waxa loo malaynayaa inuu yahay 0.>>

Soo-celinta Xaddiga:

> Ribada wadarta ah ee lagu bixiyay amaah inta u dhaxaysa muddo cayiman.

Tallaabada 1: >

>

Marka hore, waxaanu dooran doonaa unugga C10 oo aanu hoos ku qorno qaacidada hoose ee xiisaha isu-geynta ee ugu horreeyabisha
>
• • C4 = Qiimaha (Doodda koowaad) = Qiimaha Ribada Sannadlaha ah = 4% >
  > 25>

Innagoo xisaabinayna dulsaarka isugaynta ah ee bisha ah, waxaanu u qaybinay tirada bilaha sannadkii, 12 .

> 22>
• • C7 = Nper(Dood labaad) = Wadarta tirada lacag bixinta = 60 >
  > 25>
>>

>Waxaan haynaa 5 sano dib u bixi deynta. 5 sano waxay leeyihiin wadar ahaan (5X12) = 60 bilood>

• C8 = Pv(Doodda Saddexaad) =  Wadarta qaddarka deynta ama Maamule = $5,000 >$5,000 >
>

>

>

>

>
• 1 = Xilliga Bilawga(Doodda Afraad) iyo Dhamaadka(Doodda Shanaad) = Waxaan xisaabineynaa dulsaarka isugeynta bisha ugu horreysa. Sidaa darteed, bilowga iyo dhammaadka muddadayadu waa 1 .

• 0 = Nooca(Doodda Lixaad) = Lacag bixinta at dhammaadka muddada
> 25>

> 25>

Tallaabada 2:

Intaas ka dib, waxaan riixeynaa ENTER iyo waxaan heli doonaa wadarta lacagta ribada ah bisha ugu horeysa

>>

Tallaabada 3: >>

• Waxaan sidoo kale xisaabin karnaa isku-darka dulsaarka sanad gaar ah . Si loo xisaabiyo wadarta cadadka ribada ah ee lagu bixinayo sanadka u dambeeya ama 5aad , waa in aan isticmaalno qaacidada soo socota.

=CUMIPMT(F4/12, F7, F8, 49,60, 0) 0

>
• Dacwaduhu waxay ku dhow yihiin inay la mid yihiin kuwa loo isticmaalo xisaabinta wadarta xiisahabisha koowaad marka laga reebo xilliga bilowga iyo dhammaadka. Bilowga_Muddada waa 49 iyadoo sanadka ugu dambeeya ama shanaad uu bilaabmayo sanadka 4aad kadib ama (4X12) = 48 bilood wuxuuna dhamaanayaa kadib (5X12) = 60 bilood. Marka, Dhammaadka_muddada waa 60 . Sawirka hoose wuxuu muujinayaa qaddarka go'an ee dib-u-bixinta sannadlaha
> 25>

44>

ka’

>

>5. Xisaabi dulsaarka isku dhafan ee amaahda Adigoo isticmaalaya FV Function

>Waxa kale oo aad xisaabin kartaa dulsaarka isku dhafan ee amaahda gudaha Excel adoo isticmaalaya FV function .

>

hordhac Shaqada FV

>> 3>

Ujeeddada Shaqada: >

Waxay xisaabisaa qiimaha mustaqbalka ee maalgashiga oo ku salaysan dulsaarka joogtada ah. Waxaad isticmaali kartaa FV mid xilliyeed, lacag bixin joogto ah, ama hal mar lacag bixin ah [pv],[nooca])

>

Sharraxaadda doodda:

> > >> >>>>> > > Loo baahan yahay 17> > Nper > > > > > > Pv > >Ikhtiyaar >Qiimaha hadda, ama wadarta qaddarka Lacago taxane ah oo mustaqbalka ah ayaa hadda qiimo leh. Waxa kale oo loo yaqaan maamulaha >>>>>> 14> > Loo baahan yahay > >

Soo celinta Parameter: >

Qiimaha mustaqbalka.

Tallaabo 1:

• Marka hore, waxaanu dooran doonaa unugga C10 oo hoos ku qor qaacidada dulsaarka ah ee bisha koowaad.
> 25> 1> =FV(C4/12, C7, 0, -C8) > 22>
• C4 = Qiimaha(Doodda kowaad) =Qiimaha Ribada Sannadlaha ah = 4% >24>>25>
> 25>

Sida aynu xisaabinayno bishiiba, waxaanu u qaybinay tirada bilaha sanadka, 12 .

>
• • C7 = Npr(Dood labaad) = Wadarta tirada lacag-bixinta = 60 >
  >
  >

Waxaynu haysanaa 5 sano oo aan ku soo celinno deynta. 5 sano waxay leeyihiin wadar ahaan (5X12) = 60 bilood >

• • 0 = Pmt(Dood Saddexaad) =  Lacagta la bixiyay muddo kasta
  >
>

>

>
• • -C8 = Pv (Doodda Afaraad) = Qiimaha hadda jira
  25>

Tallaabada 2:

• Kadibna markaad gujiso ENTER , waxaanu heli doona dulsaarka isku dhafka ah ee mudada.

47>

Wax badan ka akhriDulsaarka Amaahda Guriga ee Excel

>

> Waxyaabaha lagu Xasuusto >

>
• Nooca doodda hawlahan waa ikhtiyaari . Lambarka 0 ama 1 ayaa tilmaamaya marka lacag bixinta la bixinayo. Haddii nooca la dhaafo, waxa loo malaynayaa inuu yahay 0.
>
• Dood Nooca doodda 0 haddii lacag-bixintu ay dhacayso dhammaadka muddada. U deji nooca doodda 1 haddii lacag-bixintu ay dhacayso bilowga muddada.

Gabagabada

Maqaalkan, waxaan ku barannay xisaabinta dulsaarka a deynta Excel. Waxaan baranay sida loo xisaabiyo wadarta dib u bixinta go'an ee xilli kasta, dulsaarka iyo bixinta raasumaalka ee muddo cayiman, wadarta iyo bixinta dulsaarka isku dhafan ee bil ama sanad gaar ah annagoo adeegsanayna shaqooyinka sida PMT, IPMT, PPMT, >> CUMIPMT, iyo FV waxay ku shaqeeyaan Excel. Waxaan rajeynayaa hadda wixii ka dambeeya inaad aad ugu fududaan lahayd inaad xisaabiso dulsaarka deymahaaga Excel. Haddii aad hayso wax su'aalo ah ama talooyin ah oo ku saabsan maqaalkan, fadlan faallo ku dhaaf hoos. Maalin wanaagsan!!!

[nooca])

Sharaxaad dood:

Dood	loo baahan yahay/ Ikhtiyaar	Sharaxaad
>Qiimaha >	Qiimaha ribada muddada
Loo baahan yahay	Tirada guud ee xilliyada lacag-bixinta ee sannad-sannadeedka
Pmt
Loo baahan yahay	Lacagta la bixinayo muddada . Waa mid go'an ama joogto ah inta lagu jiro nolosha amaahda ama amaahda guryaha. Caadi ahaan, pmt waxa uu ka kooban yahay oo kaliya maamulaha iyo dulsaarka laakiin wax lacag ah ama ujro ah malahacanshuuraha. Haddii pmt laga saaro, waa inaad ku dartaa dooda pv
>> Nooca	Lambarka 0 ama 1. Waxay tilmaamaysaa wakhtiga lacag-bixintu waa waajib. Haddii nooca laga saaro, waxa loo malaynayaa inuu yahay 0.

> > > > > 17> > < >> >>> Fv > > Ikhtiyaar ah >Qiimaha mustaqbalka ama baaqiga lacagta caddaanka ah ee aad rabto inaad gaadho ka dib lacagta ugu dambeysa waa la bixiyaa. Haddii aynaan gelin qiimaha fv, waxa loo qaadanayaa 0 (qiimaha mustaqbalka ee daynta, tusaale ahaan, waa 0) > > > >

Dood	Waxa loo baahan yahay/Ikhtiyaar	Sharaxaad
> Qiime >	Looga baahan yahay	Qiimaha dulsaarka muddadiiba.
Nper	Loo baahan yahay	Tirada guud ee bixinta deynta>	Waxaa loo baahan yahay	Qiimaha hadda jira, ama wadarta lacagta ee bixinta soo-jeedinta mustaqbalka ee mustaqbalka hadda. Sidoo kale loo yaqaan maamulaha
>> Nooca	Ikhtiyaar ah	Lambarka 0 ama 1. Waxay tilmaamaysaa wakhtiga lacag bixinta la bixinayo. Haddii nooca laga saaro, waxa loo malaynayaa inuu yahay 0.

Soo celinta qiyaasta:

Dhinaca amaahdu waxay ku salaysan tahay Lacagaha joogtada ah iyo dulsaarka joogtada ah

Tallaabada 1: >

>Tallaabadayada ugu horreysa waa inaan dooranno unugga halkaas oo aan rabno inaan helno wadarta dib-u-bixintayada muddo cayiman. Waxaan dooran doonaa unugga C10 si aan u xisaabino wadarta dib u bixinta bil kasta. > > > =PMT(C4/12, C7, C8)

>

>

>

Bur-burinta Formula:

>

23>
>
• C4 = Qiimaha (Doodda koowaad) = Sannadlaha ahQiimaha dulsaarka = 4% >
>
>

Sida aanu xisaabinayno bixinta go'an ee bisha, waxaanu u qaybinay tirada bilaha sanadka, 12 .

>
• >
  >
  • C7 = Npr
  > 24>

Waxaynu haysanaa 5 sano oo aan ku soo celinno deynta. 5 sano waxay leeyihiin wadar ahaan (5X12) = 60 bilood

>

• C8 = Pv(Dood Saddexaad) = Wadarta qaddarka deynta ama Maamule = $5,000 >$ 5,000 >
>>

>

Tallaabada 2:

>

>Markay adigoo gujinaya ENTER , waxaanu heli doonaa lacagta go'an ee aanu bixino bil kasta ama cadadka lacag bixinta go'an ee bishii. Lacagtani waa isku mid bil kasta. Waxa ku jira qaybta raasamaal ama maamulaha iyo sidoo kale cadadka dulsaarka ee ay tahay in aanu bixino bisha ugu horeysa.

3>

>
• Waxaan sidoo kale xisaabin karnaa dib-u-bixinta go'an sanad walba . Si loo xisaabiyo qaddarka dib-u-celinta ee lagu bixinayo sannad kasta, waa inaan isticmaalnaa qaacidada soo socota. , ma aha inaan u qaybinno ribada sannadlaha ah 12. Waxaan xisaabinaynaa cadadka sanadka. Iyo Npr ama tirada guud ee lacag bixinta hadda waa 5 maadaama aan haysano 5 sano si aan u bixinno deynta. Sawirka hoose wuxuu muujinayaa qaddarka go'an ee dib-u-bixinta sannadlaha
> 25>



Wax dheeraad ah ka sii akhri: Sida loo xisaabiyo dulsaarka amaahda ee Excel

2. HelBixinta Dulsaarka Amaahda ee Bil ama Sannad Gaar ah >

>In kasta oo qaddarka dib-u-bixinta billaha ah ama sannadlaha ah ee muddada amaahdu ay isku mid noqon doonaan, saamiga dulsaarka iyo raasamaalka aad dib u bixinayso muddo kasta way ku kala duwan yihiin muddada. Bilawga amaahda waxa aad bixinaysaa dulsaar badan iyo raasamaal yar,laakin dhamaadka wakhtiga waxa aad bixisa in yar oo ribo ah oo u badan raasumaal

Muddo kasta oo daynta ah waxa aad xisaabin kartaa dulsaarka. cadadka adoo isticmaalaya shaqada IPMT .

>

> Hordhac Shaqada IPMT

>

> Ujeeddada Shaqada: >

Wuxuu xisaabiyaa dulsaarka ee muddada la cayimay sida bil ama sannad gaar ah.

Sintax: >

=IPMT Sharraxaadda Doodda:

> > > > > > 17> > >

Dood	Waxa loo baahan yahay/Ikhtiyaar	Sharaxaad
Qiimaha >	Loo baahan yahay	Qiimaha ribada muddadiiba 1> >

> > Loo baahan yahay Muddada aad rabto inaad hesho xiisaha. Waa in ay ku jirtaa inta u dhaxaysa 1 ilaa Nper Nper > Waxa loo baahan yahay Tirada guud ee wakhtiyada lacag bixinta ee sanadlaha ah.<19 > > Pv > > Loo baahan yahay >Qiimaha hadda, ama wadarta qaddarka lacag bixinta mustaqbalka ee taxanaha ahi hadda qiimaheedu yahay. Waxa kale oo loo yaqaan maamulaha. > > > > Fv Ikhtiyaar ah qiimaha mustaqbalka ama baaqiga lacagta caddaanka ah ee aad rabto inaad hesho ka dib markii lacag-bixintii ugu dambeysay la bixiyo. Haddii aynaan gelin qiimaha fv, waxa loo qaadanayaa 0 (qiimaha mustaqbalka ee daynta, tusaale ahaan, waa 0) > >> Nooca Ikhtiyaar ah > Lambarka 0 ama 1. Waxay tilmaamaysaa wakhtiga lacag bixinta la bixinayo. Haddii nooca la dhaafo, waxa loo malaynayaa inuu yahay 0. > >

Soo-celinta Xaddiga:

> Lacag-bixinta dulsaarka muddada la bixiyay ee maal-gelinta ku salaysan xilliyeed, Lacagaha joogtada ah iyo dulsaarka joogtada ah > Tallaabada 1: > >

>Tallaabadayada ugu horreysa waa in aan dooranno unug oo aan qorno qaacidada IPMT Waxaan dooran doonaa unugga C10 oo waxaan qori doonnaa qaacidada soo socota. 6>> > Burburinta Formula: >
>
• C4 = Qiimaha (Doodda Koowaad) = Qiimaha Dulsaarka Sannadlaha = 4 %
25>

Annagoo xisaabinayna bixinta ribada ee bisha, waxaanu u qaybinay tirada bilaha sanadka 12 .

>
• > 1 = pr 2>. Markaa Pr = 1 > >
  • C7 = Nper (Doodda Saddexaad ) = Wadarta tirada lacag-bixinta = 60
  • C8 = Pv(Doodda Afraad) =  Wadarta qaddarka amaahda ama Maamulaha = $ 5,000 >

    >

  Tallaabada 2: >

  >
  • Markaad gujiso Geli , waxaan heli doonaa lacagta ribada ah ee aan ku bixinayno bisha ugu horreysa
  • Waxaan sidoo kale xisaabin karnaa lacagaha dulsaarka sanad gaar ah . Si loo xisaabiyo lacagta ribada ah ee sanadka u dambeeya, waa in aan isticmaalno qaacidada soo socota.
=IPMT(F4, 5, F6, F8)
• Sida aan arki karno , ma aha inaan u qaybinno ribada sannadlaha ah 12. Waxaan xisaabinaynaa cadadka sanadka. Iyo Pr ama muddada aan rabno in aan ribada ku helno hadda 5 markii aan xisaabinayno xadiga ribada ah ee u dambeeya ama sannadka 5aad . Wadarta muddada (F6) sidoo kale waa 5 maadaama wadarta muddadayadu tahay 5 sano. Sawirka hoose waxa uu tusinayaa xadiga dulsaarka sannadlaha ah ee go'an ee la bixinayo sanadka u dambeeya ama sanadka 5aad .
> > 22>                                                                            Usbuuc kasta, saddexdii biloodbale, iyo badhkii sannadlaha ah ee dulsaarka la isticmaalayo IPMT .
>

Wax dheeraad ah ka akhri: Sidee Si loo Xisaabiyo Maamulaha iyo Dulsaarka Amaahda ee Excel

> 3. Xisaabi lacag bixinta raasumaalka ee bisha ama sanadka gaarka ah ee Excel

Waxa kale oo aanu xisaabin karnaa lacag bixinta raasumaalka bil ama sanad gaar ah anagoo adeegsanayna shaqada PPMT ee Excel.

Sidoo kale eeg: Excel VBA: U qaabeeya Unugga Qoraal ahaan (3 Hab)
0 Hordhaca Shaqada PPMT > > >

> Ujeeddada Shaqada: >

> muddo cayiman sida bil gaar ah ama sannad.

Sintax:

>

=PPMT(qiimaha, per, nper, pv, [fv],[nooca]) >

Sharraxaadda doodda:

> > > > > 17> <14 >

Dood	Waxa loo baahan yahay/Ikhtiyaari	Sharaxaad
> Qiimaha >	Loo baahan yahay	Qiimaha ribada muddada.	Sida > >

> > Loo baahan yahay >Muddada aad Rabitaanka in la helo danta waa in ay ahaataa inta u dhaxaysa 1 ilaa Nper Nper > Loo baahan yahay >Tirada guud ee wakhtiyada lacag bixinta Annuity. Pv > Loo Baahan Yahay >Qiimaha hadda jira, ama wadarta tirada lacagaha taxanaha ah ee mustaqbalka ay mudan yihiin hadda. Sidoo kale loo yaqaan maamulaha >> >>> Fv > > Ikhtiyaar ah >Qiimaha mustaqbalka ama baaqiga lacagta caddaanka ah ee aad rabto inaad gaadho ka dib lacagta ugu dambeysa waa la sameeyaa. Haddii aynaan gelin qiimaha fv, waxa loo qaadanayaa 0 (qiimaha mustaqbalka ee daynta, tusaale ahaan, waa 0) > >> Nooca Ikhtiyaar ah > Lambarka 0 ama 1. Waxay tilmaamaysaa wakhtiga lacag bixinta la bixinayo. Haddii nooca laga saaro, waxa loo malaynayaa inuu yahay 0. >

Soo-celinta Xaddiga: >

Sidoo kale eeg: Sida loo kala sooco Range iyadoo la adeegsanayo VBA gudaha Excel (6 Tusaalayaal)
Lacag-bixinta maamulaha ee muddada maalgashiga ah waa oo ku salaysan xilliyeed, lacag bixin joogto ah iyo dulsaar joogto ah

Tallaabada 1: >

>
• Waxaan dooran doonnaa unugga C10 oo aan qorno. qaacidada soo socota ee PPMT .
> 25>> =PPMT(C4/12, 1, C7, C8)



> 0> Kala-baxa Formulada:
>
• • C4 = Qiimaha (Doodda Koowaad) = Qiimaha Ribada Sannadlaha ah = 4%
  > 25>
>

Innagoo xisaabinayna bixinta ribada ee bisha, waxaan u qaybinay tirada bilaha sannadkii, 12 .

> 22>
• 22>
• 1 = Pr (Dood labaad) = Muddada aad doonayso inaad hesho xiisaha 0>Waxaan xisaabineynaa xadiga dulsaarka bisha koowaad . Sidaa darteed Pr = 1 > >
  >
  • • C7 = Nper(Dood Saddexaad) = Wadarta tirada lacag-bixinta = 60<2
    • C8 = Pv(Doodda Afraad) =  Wadarta qaddarka amaahda ama Maamulaha = $5,000 >
    > 25>> 24>

    1>Tallaabada 2: >

    • Markaad gujiso ENTER , waxaanu heli doonaa lacagta raasumaalka ah ee aanu ku bixinayno bisha ugu horeysa
    > 25>

    38>

    Tallaabada 3:

    • Waxaan sidoo kale xisaabin karnaa lacagaha raasumaalka ah sanad gaar ah . Si loo xisaabiyo qaddarka raasumaalka sannadkii u dambeeyay, waa inaan isticmaalnaa qaacidada soo socota.
    > 25> =PPMT(F4, 5, F6, F8)
    • Sida aan arki karno. , ma aha inaan u qaybinno ribada sannadlaha ah 12. Waxaan xisaabinaynaa cadadka sanadka. Iyo Pr ama muddada aan rabno in aan ribada ku helno hadda 5 iyadoo la xisaabinayo qaddarka raasumaalka ee u dambeeya ama sannadka 5aad . Wadarta muddada (F6) sidoo kale waa 5 maadaama wadarta muddadayadu tahay 5 sano. Sawirka hoose waxa uu tusinayaa cadadka raasamaal ee sanadlaha ah ee la bixinayo ugu dambeeya ama 5thyear .

    

    Fiiro gaar ah: Wadarta bixinta ribada iyo bixinta raasamaalka waxay la mid noqonayaan cadadka dib u bixinta go'an ee aanu xisaabinay markii hore. Habka.

    >
    • Bisha ugu horreysa ee dulsaarka = $16.67 [ Isticmaalka IPMT Function ]
    > 25>

    Bisha ugu horreysa = $75.42 [ Isticmaalka PPMT Function ]

    Wadarta lacag bixinta bisha ugu horreysa = 16.67+75.42 = 92.09 = Wadarta Lacag bixinta Bil kasta oo aanu xisaabinay annagoo adeegsanayna Shaqada PMT ee habka 1

    Marka, wadarta lacagta dib loo bixinayo waxay la mid noqon doontaa muddo kasta oo isku mid ah. Laakin xadiga dulsaarka iyo xadiga raasamaalku way kala duwanaan doonaan wakhti ilaa wakhti

    • Waxa kale oo aanu xisaabin karnaa lacagaha raasamaal ee todobaadlaha ah, rubuc-biloodlaha ah, iyo nuska-sanadka ah anagoo adeegsanayna PPMT .

    40>3>

    Akhri wax dheeraad ah: > Sida loo xisaabiyo dulsaarka la helay ee dhigaalka go'an ee Excel > 3>> La mid ah Akhrinta

    > 22>
    • Sida Loo Xisaabiyo Qiimaha Dulsaarka Amaahda gudaha Excel lacag la'aan) >>>> 2>
    >

    4. Go'aami dulsaarka amaahda wadajirka ah ee bisha ama sanadka gaarka ah ee Excel

    Waxaad isticmaali kartaa shaqada CUMIPMT si aad u xisaabiso dulsaarka wadarta amaahda ee Excel xilli gaar ah sida