In Microsoft Excel , xisaabinta bixinta amaahda guryaha ee billaha ah waxay noqotay hawl caadi ah inta badan dadka casriga ah. Lacag-bixinta xilliyeed ee go'an iyo hadhaaga amaahda ee maqan ayaa ah qaybaha ugu muhiimsan ee qaacidada amaahda guryaha. Maqaalkan, waxaan ku arki doonaa qaar ka mid ah tusaalooyinka qaacidada mortgage ee excel.

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Waxaad soo dejisan kartaa buuga shaqada oo aad ku tababaran kartaa iyaga.

> 11 , taabo Enter . >Enter . >

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• Hadda, waxa aynu ku arki karnaa unugga C13 , oo ah bixinta amaahda guryaha ee billaha ah.
<13



Akhri wax dheeraad ah: Sida Loo Isticmaalo Foomamka loogu talagalay Maamulaha Amaahda iyo Dulsaarka Excel

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> 2. Qaabka amaahda amaahda ee Excel ee loo qoondeeyay Lacag-bixinta Muddada go'an >

Si la mid ah, habkii hore ee xogta, qaddarka amaahda $150,000 waxay ku jirtaa unugga C7 , heerka dulsaarka ayaa ku jira unugga C8 taas oo ah 6%, muddada amaahda 2-sano ee unugga C9 , tirada lacag bixinta sannadkii ee unugga C10, iyo wadarta tirada lacag-bixinta bisha waxay ku jirtaa unugga C11 Hadda waxaan rabnaa inaan ku xisaabino lacag-bixinta xilliyeedka go'an ee unugga C12. >

• Qaabka guud ee lacag-bixinta xilliyeedka go'an waa:

• Intaas ka dib, waxaan ku qori doonnaa qaacidada hoose:
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• Kadib, taabo Enter
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• Ugu dambayntii, lacag-bixinta xilliyeed ee go'an ayaa la tusayaa. Natiijo ahaan.
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Si aan u ogaano hadhaaga amaahda ee maqan waxaanu isticmaaleynaa xog-ururin la mid ah sidii hore loo isticmaalay oo wax ka bedel lagu sameeyay. Sida, qaddarka amaahda halkan ayaa lagu dhimay oo muddada amaahda waa la kordhiyaa. Hadda, waxaan u baahannahay inaan ku xisaabino qaddarka amaahda ee naga maqan hal xilli oo dhexdhexaad ah. Habka hoos ayaa lagu bixiyaa

Sidii hore, marka hore, dooro unugga ay natiijadu ka soo bixi doonto. Waxaan dooraneynaa unugga C13 . >C13>> >
<1 =loan amount((rate of interest/number of payment per year)*(1+rate of interest/number of payment per year)^(number of payment per year*life loan))-((1+rate of interest/number of payment per year)^(number of payment per year*life loan)-1)) > >

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• Hadda, kaliya ku qor qaacidada hoose
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• Dabadeed, taabo Enter .
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>Ugu dambayntii, waxaan awood u yeelan doonnaa inaan aragno qaddarka deynta ee ka dhalatay unugga C13 . >
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Sidoo kale eeg: Sida loo Burburiyo Tiirarka Excel (6 Siyood oo Fudud)

4. Foomka amaahda amaahda si loo xisaabiyo lacag bixinta bilaha ah ee deynta kaarka deynta

Si loo xisaabiyo lacagaha bishii ee deynta kaarka deynta, waxaan mar labaad adeegsan doonaa PMT function . Xisaabinta tan, waxaan u baahanahay dheelitirka saxda ah iyo heerka dulsaarka sanadlaha ah kaas oo si isdaba joog ah ugu jira unugyada C7 iyo C8 . Aynu eegno hababka xisaabinta deynta kaadhka deynta ee billaha ah.

TALAABOOYINKA:

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>Si la mid ah, tusaalooyinka kale, dooro unugga C10 .



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• Kadib marka aad doorato unuga,qor qaacidada soo socota:
=PMT(C8/12,2*12,C7)
• Markaa.riix Enter .
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• Ugu dambayntii, waxaan arki doonnaa natiijada
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> > 3>

> 5. Foomka Mortgage Excel ee Lacagta Maamulaha ee Dib-u-bixinta Bisha 24-aad >

Maamulaha dib loo bixiyo bisha 24-aad waa la xisaabin karaa, iyadoo laga jarayo hadhaaga hadhay laba sano ka dib hadhaaga maqan ka dib 23 bilood. Waxaan u isticmaali doonaa xog-ururinta si la mid ah tusaale 3 oo leh xilliga dhexe ee 2aad. Haddaba, aynu eegno xeeladaha hoos ku qoran

> TALAABOOYIN: > >
Marka hore, waa inaan xisaabinnaa baaqiga amaahda xilliga 1. Taas awgeed, dooro unugga C14 . >C14 . >
> >
• Qaabka guud ee lacag-bixinta xilliyeedka go'an waa:
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6> =loan amount((1+rate of interest/number of payment per year)^(number of payment per year*life loan))-((1+rate of interest/number of payment per year)^(number of payment per year*intermediate period 2))/(((1+rate of interest/number of payment per year)^(number of payment per year*life loan)-1) > >
• Oo, dabadeed qor qaacidada:
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> > =(C7*((1+C8/C10)^(C10*C9)-(1+C8/C10)^(C10*C11))/((1+C8/C10)^(C10*C9)-1)) <2



• Dabadeed, taabo Enter .
>
• Qaabka guud ee lacag-bixinta xilliyeedka go'an waa:
> 13 > > =loan amount((1+rate of interest/number of payment per year)^(number of payment per year*life loan))-((1+rate of interest/number of payment per year)^(intermediate period 2))/((1+rate of interest/number of payment per year)^(number of payment per year*life loan)-1) >
> =loan amount((1+rate of interest/number of payment per year)^(number of payment per year*life loan))-((1+rate of interest/number of payment per year)^(intermediate period 2))/((1+rate of interest/number of payment per year)^(number of payment per year*life loan)-1)
• Intaas ka dib, hadhaaga amaahda muddada 2, qaacidadu waa:
> 13>>> 1> =(C7*((1+C8/C10)^(C10*C9)-(1+C8/C10)^(C12))/((1+C8/C10)^(C10*C9)-1))
• kadibna taabo Enter Hadda, dib-u-bixinta ka jar hadhaaga amaahda xilliga 1 ee hadhaaga amaahda muddada 2. Qaabka ayaa noqon doona:
> 13> > =C15-C14

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• Wakhtigan, taabo Enter .
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• Oo, ugu dambeyntii, waxaan arki doonnaa natiijada dib-u-bixinta.
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> In ka badan ka akhriso: > Xisaabiyaha Dib-u-bixinta Amaahda oo leh Koontada Dembi-dhaafka ah iyo Lacag-bixinta dheeraadka ah ee gudahaExcel. Haddii aad hayso wax su'aalo ah, soo jeedin ah, ama falcelin ah fadlan nagu soo ogeysii qaybta faallooyinka. Ama waxaad ku eegi kartaa maqaalladayada kale ee ExcelWIKI.com blog!