- •Севастопольский национальный технический университет методические указания
- •Севастополь
- •Практическое занятие 10. Конверсия займов и формирование фонда погашения……....37
- •Введение
- •Тема 1. Предмет и категории финансовой матемитики
- •2. Расчеты по простым процентам
- •Примеры решения задач
- •Пример решения задачи
- •Тема 3. Расчеты по сложным поцентам
- •Примеры решения задач
- •Тема 4. Эквивалентность процентных ставок и платежей
- •Тема5. Финансовые ренты
- •Р асчет современной стоимости р – срочной ренты с начислением процентов в конце года по ставке сложных процентов, равной
- •Практическое занятие 9. Конверсия финансовых рент и анализ переменных денежных потоков
- •Тема 7. Планирование погашения задолженности, конверсия займов, ипотечные ссуды Практическое занятие 10. Конверсия займов и формирование фонда погашения
- •Погашение потребительского кредита.
- •Приложение б (справочное)
- •Приложение в (справочное)
- •Приложение г (справочное)
- •Приложение д (справочное)
- •Приложение е (справочное)
Приложение г (справочное)
Таблица Г.1 – коэффициенты приведения 1 ден. ед. финансовой ренты PVIFA n,i
|
1% |
2% |
3% |
4% |
5% |
6% |
7% |
8% |
9% |
10% |
12% |
14% |
15% |
16% |
18% |
20% |
24% |
28% |
32% |
36% |
1 |
0,9901 |
0,9804 |
0,9709 |
0,9615 |
0,9524 |
0,9434 |
0,9346 |
0,9259 |
0,9174 |
0,9091 |
0,8929 |
0,8772 |
0,8696 |
0,8621 |
0,8475 |
0,8333 |
0,8065 |
0,7813 |
0,7576 |
0,7353 |
2 |
1,9704 |
1,9416 |
1,9135 |
1,8861 |
1,8594 |
1,8334 |
1,8080 |
1,7833 |
1,7591 |
1,7355 |
1,6901 |
1,6467 |
1,6257 |
1,6052 |
1,5656 |
1,5278 |
1,4568 |
1,3916 |
1,3315 |
1,2760 |
3 |
2,9410 |
2,8839 |
2,8286 |
2,7751 |
2,7232 |
2,6730 |
2,6243 |
2,5771 |
2,5313 |
2,4869 |
2,4018 |
2,3216 |
2,2832 |
2,2459 |
2,1743 |
2,1065 |
1,9813 |
1,8684 |
1,7663 |
1,6735 |
4 |
3,9020 |
3,8077 |
3,7171 |
3,6299 |
3,5460 |
3,4651 |
3,3872 |
3,3121 |
3,2397 |
3,1699 |
3,0373 |
2,9137 |
2,8550 |
2,7982 |
2,6901 |
2,5887 |
2,4043 |
2,2410 |
2,0957 |
1,9658 |
5 |
4,8534 |
4,7135 |
4,5797 |
4,4518 |
4,3295 |
4,2124 |
4,1002 |
3,9927 |
3,8897 |
3,7908 |
3,6048 |
3,4331 |
3,3522 |
3,2743 |
3,1272 |
2,9906 |
2,7454 |
2,5320 |
2,3452 |
2,1807 |
6 |
5,7955 |
5,6014 |
5,4172 |
5,2421 |
5,0757 |
4,9173 |
4,7665 |
4,6229 |
4,4859 |
4,3553 |
4,1114 |
3,8887 |
3,7845 |
3,6847 |
3,4976 |
3,3255 |
3,0205 |
2,7594 |
2,5342 |
2,3388 |
7 |
6,7282 |
6,4720 |
6,2303 |
6,0021 |
5,7864 |
5,5824 |
5,3893 |
5,2064 |
5,0330 |
4,8684 |
4,5638 |
4,2883 |
4,1604 |
4,0386 |
3,8115 |
3,6046 |
3,2423 |
2,9370 |
2,6775 |
2,4550 |
8 |
7,6517 |
7,3255 |
7,0197 |
6,7327 |
6,4632 |
6,2098 |
5,9713 |
5,7466 |
5,5348 |
5,3349 |
4,9676 |
4,6389 |
4,4873 |
4,3436 |
4,0776 |
3,8372 |
3,4212 |
3,0758 |
2,7860 |
2,5404 |
9 |
8,5660 |
8,1622 |
7,7861 |
7,4353 |
7,1078 |
6,8017 |
6,5152 |
6,2469 |
5,9952 |
5,7590 |
5,3282 |
4,9464 |
4,7716 |
4,6065 |
4,3030 |
4,0310 |
3,5655 |
3,1842 |
2,8681 |
2,6033 |
10 |
9,4713 |
8,9826 |
8,5302 |
8,1109 |
7,7217 |
7,3601 |
7,0236 |
6,7101 |
6,4177 |
6,1446 |
5,6502 |
5,2161 |
5,0188 |
4,8332 |
4,4941 |
4,1925 |
3,6819 |
3,2689 |
2,9304 |
2,6495 |
11 |
10,3676 |
9,7868 |
9,2526 |
8,7605 |
8,3064 |
7,8869 |
7,4987 |
7,1390 |
6,8052 |
6,4951 |
5,9377 |
5,4527 |
5,2337 |
5,0286 |
4,6560 |
4,3271 |
3,7757 |
3,3351 |
2,9776 |
2,6834 |
12 |
11,2551 |
10,5753 |
9,9540 |
9,3851 |
8,8633 |
8,3838 |
7,9427 |
7,5361 |
7,1607 |
6,8137 |
6,1944 |
5,6603 |
5,4206 |
5,1971 |
4,7932 |
4,4392 |
3,8514 |
3,3868 |
3,0133 |
2,7084 |
13 |
12,1337 |
11,3484 |
10,6350 |
9,9856 |
9,3936 |
8,8527 |
8,3577 |
7,9038 |
7,4869 |
7,1034 |
6,4235 |
5,8424 |
5,5831 |
5,3423 |
4,9095 |
4,5327 |
3,9124 |
3,4272 |
3,0404 |
2,7268 |
14 |
13,0037 |
12,1062 |
11,2961 |
10,5631 |
9,8986 |
9,2950 |
8,7455 |
8,2442 |
7,7862 |
7,3667 |
6,6282 |
6,0021 |
5,7245 |
5,4675 |
5,0081 |
4,6106 |
3,9616 |
3,4587 |
3,0609 |
2,7403 |
15 |
13,8651 |
12,8493 |
11,9379 |
11,1184 |
10,3797 |
9,7122 |
9,1079 |
8,5595 |
8,0607 |
7,6061 |
6,8109 |
6,1422 |
5,8474 |
5,5755 |
5,0916 |
4,6755 |
4,0013 |
3,4834 |
3,0764 |
2,7502 |
16 |
14,7179 |
13,5777 |
12,5611 |
11,6523 |
10,8378 |
10,1059 |
9,4466 |
8,8514 |
8,3126 |
7,8237 |
6,9740 |
6,2651 |
5,9542 |
5,6685 |
5,1624 |
4,7296 |
4,0333 |
3,5026 |
3,0882 |
2,7575 |
17 |
15,5623 |
14,2919 |
13,1661 |
12,1657 |
11,2741 |
10,4773 |
9,7632 |
9,1216 |
8,5436 |
8,0216 |
7,1196 |
6,3729 |
6,0472 |
5,7487 |
5,2223 |
4,7746 |
4,0591 |
3,5177 |
3,0971 |
2,7629 |
18 |
16,3983 |
14,9920 |
13,7535 |
12,6593 |
11,6896 |
10,8276 |
10,0591 |
9,3719 |
8,7556 |
8,2014 |
7,2497 |
6,4674 |
6,1280 |
5,8178 |
5,2732 |
4,8122 |
4,0799 |
3,5294 |
3,1039 |
2,7668 |
19 |
17,2260 |
15,6785 |
14,3238 |
13,1339 |
12,0853 |
11,1581 |
10,3356 |
9,6036 |
8,9501 |
8,3649 |
7,3658 |
6,5504 |
6,1982 |
5,8775 |
5,3162 |
4,8435 |
4,0967 |
3,5386 |
3,1090 |
2,7697 |
20 |
18,0456 |
16,3514 |
14,8775 |
13,5903 |
12,4622 |
11,4699 |
10,5940 |
9,8181 |
9,1285 |
8,5136 |
7,4694 |
6,6231 |
6,2593 |
5,9288 |
5,3527 |
4,8696 |
4,1103 |
3,5458 |
3,1129 |
2,7718 |
21 |
18,8570 |
17,0112 |
15,4150 |
14,0292 |
12,8212 |
11,7641 |
10,8355 |
10,0168 |
9,2922 |
8,6487 |
7,5620 |
6,6870 |
6,3125 |
5,9731 |
5,3837 |
4,8913 |
4,1212 |
3,5514 |
3,1158 |
2,7734 |
22 |
19,6604 |
17,6580 |
15,9369 |
14,4511 |
13,1630 |
12,0416 |
11,0612 |
10,2007 |
9,4424 |
8,7715 |
7,6446 |
6,7429 |
6,3587 |
6,0113 |
5,4099 |
4,9094 |
4,1300 |
3,5558 |
3,1180 |
2,7746 |
23 |
20,4558 |
18,2922 |
16,4436 |
14,8568 |
13,4886 |
12,3034 |
11,2722 |
10,3711 |
9,5802 |
8,8832 |
7,7184 |
6,7921 |
6,3988 |
6,0442 |
5,4321 |
4,9245 |
4,1371 |
3,5592 |
3,1197 |
2,7754 |
24 |
21,2434 |
18,9139 |
16,9355 |
15,2470 |
13,7986 |
12,5504 |
11,4693 |
10,5288 |
9,7066 |
8,9847 |
7,7843 |
6,8351 |
6,4338 |
6,0726 |
5,4509 |
4,9371 |
4,1428 |
3,5619 |
3,1210 |
2,7760 |
25 |
22,0232 |
19,5235 |
17,4131 |
15,6221 |
14,0939 |
12,7834 |
11,6536 |
10,6748 |
9,8226 |
9,0770 |
7,8431 |
6,8729 |
6,4641 |
6,0971 |
5,4669 |
4,9476 |
4,1474 |
3,5640 |
3,1220 |
2,7765 |
26 |
22,7952 |
20,1210 |
17,8768 |
15,9828 |
14,3752 |
13,0032 |
11,8258 |
10,8100 |
9,9290 |
9,1609 |
7,8957 |
6,9061 |
6,4906 |
6,1182 |
5,4804 |
4,9563 |
4,1511 |
3,5656 |
3,1227 |
2,7768 |
27 |
23,5596 |
20,7069 |
18,3270 |
16,3296 |
14,6430 |
13,2105 |
11,9867 |
10,9352 |
10,0266 |
9,2372 |
7,9426 |
6,9352 |
6,5135 |
6,1364 |
5,4919 |
4,9636 |
4,1542 |
3,5669 |
3,1233 |
2,7771 |
28 |
24,3164 |
21,2813 |
18,7641 |
16,6631 |
14,8981 |
13,4062 |
12,1371 |
11,0511 |
10,1161 |
9,3066 |
7,9844 |
6,9607 |
6,5335 |
6,1520 |
5,5016 |
4,9697 |
4,1566 |
3,5679 |
3,1237 |
2,7773 |
29 |
25,0658 |
21,8444 |
19,1885 |
16,9837 |
15,1411 |
13,5907 |
12,2777 |
11,1584 |
10,1983 |
9,3696 |
8,0218 |
6,9830 |
6,5509 |
6,1656 |
5,5098 |
4,9747 |
4,1585 |
3,5687 |
3,1240 |
2,7774 |
30 |
25,8077 |
22,3965 |
19,6004 |
17,2920 |
15,3725 |
13,7648 |
12,4090 |
11,2578 |
10,2737 |
9,4269 |
8,0552 |
7,0027 |
6,5660 |
6,1772 |
5,5168 |
4,9789 |
4,1601 |
3,5693 |
3,1242 |
2,7775 |
35 |
29,4086 |
24,9986 |
21,4872 |
18,6646 |
16,3742 |
14,4982 |
12,9477 |
11,6546 |
10,5668 |
9,6442 |
8,1755 |
7,0700 |
6,6166 |
6,2153 |
5,5386 |
4,9915 |
4,1644 |
3,5708 |
3,1248 |
2,7777 |
40 |
32,8347 |
27,3555 |
23,1148 |
19,7928 |
17,1591 |
15,0463 |
13,3317 |
11,9246 |
10,7574 |
9,7791 |
8,2438 |
7,1050 |
6,6418 |
6,2335 |
5,5482 |
4,9966 |
4,1659 |
3,5712 |
3,1250 |
2,7778 |
45 |
36,0945 |
29,4902 |
24,5187 |
20,7200 |
17,7741 |
15,4558 |
13,6055 |
12,1084 |
10,8812 |
9,8628 |
8,2825 |
7,1232 |
6,6543 |
6,2421 |
5,5523 |
4,9986 |
4,1664 |
3,5714 |
3,1250 |
2,7778 |
50 |
39,1961 |
31,4236 |
25,7298 |
21,4822 |
18,2559 |
15,7619 |
13,8007 |
12,2335 |
10,9617 |
9,9148 |
8,3045 |
7,1327 |
6,6605 |
6,2463 |
5,5541 |
4,9995 |
4,1666 |
3,5714 |
3,1250 |
2,7778 |
55 |
42,1472 |
33,1748 |
26,7744 |
22,1086 |
18,6335 |
15,9905 |
13,9399 |
12,3186 |
11,0140 |
9,9471 |
8,3170 |
7,1376 |
6,6636 |
6,2482 |
5,5549 |
4,9998 |
4,1666 |
3,5714 |
3,1250 |
2,7778 |
