Marka aad qaadato dayn si aad wax u iibsato oo aad rabto in aad ku soo celiso wakhti ka dib lacag bixinta bishii, waxa laga yaabaa in aad u baahato in aad ogaato qaddarka lacagta bishii. Erayada maaliyadeed, Rabka Keliya Mortgage waxa ay tilmaamaysaa in aad marka hore bixin doontid dulsaar keliya muddo cayiman ka hor inta aanad dib u bixin deynta asalka ah iyo dulsaarka bishiiba. Casharradan, waxaan ku tusi doonaa sida loo isticmaalo qaacidada Deynta Kaliya Amaahda calculator in Excel .

> Soo deji Buug-hawleed Practice> Soo dejiso Buug-hawleedkan si aad u jimicsato intaad akhrinayso maqaalkan. Excel Mortgage Calculator.xlsx

>

Ribada Kaliya Amaahda macnaheedu waa in aad bixinayso dulsaarka kaliya e muddo cayiman 10 sano bishiiba. Ka dib dhamaadka muddada, waxaad dib u bixin doontaa Deynta Maamule oo leh dulsaar bishiiba

>Qodobka xogta muunad ayaa la soo bandhigay si loo fahmo si ka sii wanaagsan. Qaybtayada xogta, waxaan rabnaa inaan ku iibsano guri qiimihiisu yahay $1,000,000 . Waxaan samaynay lacag-bixin hoose oo ku dhow 20% . Markaa, Amaahda Maamule hadda waa $800,000 . Qiimaha dulsaarka waa 4.5% sanadkii.>

> Ribada kaliya muddada waa 10 sano ama 120 bilo . Iyo, 20 sano waa muddada dib loogu bixinayo Amaahda Maamulaha Interest .

>>>>>>>>> 12 tilaabo oo lagu dabaqayo qaacidooyinka si loo xisaabiyo Amaahda Kaliya ee Dulsaarka. Marka hore, waxaanu xisaabin doonaa Bishii oo keliya ee dulsaarka . Ka dib, bixinta bilaha ah ee Deynta Maamulaha waxaa lagu daraa Rabka .

> Tallaabo 1: Xisaabi deynta Maamulaha> 11>> 12> Kadib samaynta 20%hoos u dhigista, 80%waa Amaahda Maamulaha. Ku qor qaacidada soo socota si aad u xisaabiso Amaahda Maamulaha.>> =((100%-D3)*D2)>

> >

• Markaa, taabo Enter si aad u hesho Deynta Maamulaha .
>

>> Akhri wax dheeraad ah:  Sidee Si aad u isticmaasho Foomamka loogu talagalay Maamulaha Amaahda iyo Dulsaarka Excel>> Talaabada 2: Xisaabi dulsaarka billaha ah

>
• Sida xiisaha sannadlaha ah yahay 4.50 % , u qaybi 12 si aad u hesho dulsaarka billaha adoo isticmaalaya qaacidada soo socota.
>

> >> 1> =D6/12

>

• Sidaa darteed, eeg Qiimaha dulsaarka billaha ah ee 0.00375 .

0>

1

si loogu badalo sano ilaa bilood , kaliya ku dhufo 12 .

>14>>>>

Sidoo kale eeg: Hawl-wadeennada Excel Boolean: Sidee loo Isticmaalaa?

=D7*12 >>

>Riix Geli si aad u hesho Interest Only Mortgage Duration of 120 months .

Tallaabada 4: Tiri Mudada Bixinta inteeda kale ee Bilaha ah

• Sidii hore, ku dhufo sanadka 12 ku-dhufo 12 si aad natiijada u hesho bilood .

> =D8*12 >

• Natiijadu waxay muujin doontaa 240 bilood 20 sano .

>>

> Tallaabada 5: Samee tiir bilaha>

>Si aad u samayso taxane ah wadarta 360 bilood , ku qor 1 unugga dhexdiisa 1> Buuxi . >
• Markaa, dooro Taxanaha 12> Dooro Tiirarka. >
• Deji Qiimaha Talaabada ilaa 1 .
• Markaa, dhig Qiimaha joogsiga 360 .

>Ugu dambaynta, taabo Geli Si aad u hesho taxane 360 ah. > >

>>>>

Tallaabada 6: Geli foomamka si aad u xisaabiso Xisaabiyaha dulsaarka amaahda ee Billaha ah ee Excel >

>

Si aad u xisaabiso dulsaarka billaha , ku qor sidan soo socota formula.

=$D$4*$E$6

• Sidaa darteed, waxaad heli doontaa Ribada Kaliya hal bil ah
  >
  • Si aad shuruud u dalbato Xilli Dulsaarka oo keliya ( 120 bilood ), qor kuwan soo socdaformula.
  =IF(B11<=$E$7,D11)

  >

  >
  • Waa qiimaha_if_been doodda ( bilaha > 120 ), ku qor qaacidada PMT function .
  > 14> > > =IF(B11<=$E$7,D11,-PMT($E$6,$E$8,$D$4))

  

  >
  • Shaqada PMT , qiimaha doodda waxa loo dejiyay unugga E6 ( Ribada Bishii ).
  • nper dooddu waa tirada xilliyada oo loo dejiyay unugga E8 .
  • pv dooddu waxay tusinaysaa qiimaha hadda waxa loo dejiyay unugga D4 ( Qaddarka amaahda ugu weyn ).
  >
  
  • Ugu dambayntii, waxaad heli doontaa Rabka Keliya Amaahda 9> Tallaabada 8: Ku qor foomamka si aad u tiriso deynta maamulaha ee bilaha ah ee la bixiyo dulsaarka Xisaabiyaha amaahda guryaha ee Excel > >
  • Qiimee Amaahda Maamulaha midkiiba bisha adigoo isticmaalaya qaacidada soo socota.
  =C11-D11

  

  • Natiijo ahaan, waxaad heli doontaa Zero ( - ) qiima ahaan, maadaama aad bixinayso Rabka ee ugu horreeya 120 bilood .
  >

  >

  > Tallaabada 9: Nuqulka foomamka ku jira safka lacag-bixinta > 11>
• Isticmaal AutoFill in la koobiyeeyo isla qaacido unug kasta oo ka mid ah Payment Column .
> 14>

> 3> Talaabada 10: Adeegso haddii shaqada Si aad u Codsato Xaaladda >

>
• Sida aan rabno in aan u xisaabino Rabka Kaliya 120 bilood, isticmaal IF si aad u codsatoxaalad Adeegso AutoFill si aad u nuqul ka sameysid isla qaacido unug kasta oo ka mid ah Dhibka La Bixiyay Tiirka .
> 14>

>

Tallaabada 12: Si Toos ah u Buuxi Tiirka Lacag-bixinta ee Maamulaha

>
• Codso AutoFill si aad ugu koobiyayso isla caanaha unug kasta ee Maamulaha La Bixiyay Qaybta.
> >
>
• Natiijo ahaan, Ribada kaliya $3000 waxa lagu qiimayn doonaa 120 bilood sida shardiga ah.

>

>
• Waxaa intaas dheer, bixinta billaha ah $ 5061.20 waxa la bixinayaa inta ka hartay 240 bilood. ( 121 ilaa 360 ).
>14>

>

>Ugu dambayntii, billaha Ribada Keliya Mortgage bixinta $ 3000 iyo amaahda bixinta ee $5061.20 ayaa lagu muujiyay sawirka hoose.

0>

Gabagabo

Ugu dambayntii, waxaan rajaynayaa in aad hadda fahantay sida loo isticmaalo qaacidada Ribada Kaliya Amaahdaxisaabiyaha Excel. Dhammaan xeeladahaas waa in la fuliyaa marka xogtaada la baranayo laguna dhaqmayo. Baadh buug-barashada oo isticmaal waxaad baratay. Waxaa naloogu dhiirigeliyay inaan sii wadno bixinta barnaamijyadan oo kale sababtoo ah taageeradaada deeqsinimada leh.

Haddii aad wax su'aalo ah qabtid, fadlan ha ka waaban inaad nala soo xiriirto. Fadlan la wadaag fikirkaaga qaybta faallooyinka ee hoose.

The Exceldemy shaqaalaha ayaa kuugu soo laaban doona sida ugu dhakhsaha badan.

Nala joog oo sii wad waxbarashada.