- •Оглавление
- •Введение
- •1. Общая методика финансовых вычислений
- •1.1 Начисление процентов. Расчет наращенной стоимости
- •Задачи для самостоятельного решения
- •1.2 Дисконтирование. Расчет первоначальной стоимости
- •Задачи для самостоятельного решения
- •2. Практическое применение финансовых расчетов
- •2.1. Учет инфляции
- •2.2 Операции с векселями
- •2.3 Операции с ценными бумагами
- •2.4 Валютные расчеты
- •2.5 Кредитные отношения
- •Задачи для самостоятельного решения
- •Глоссарий
- •Заключение
- •Библиографический список
- •Приложения Приложение 1
- •Приложение 2
- •Приложение 3
- •Приложение 4
- •Приложение 5 Договор об ипотеке №______
- •Приложение 6
- •Приложение 7
- •Приложение 9
Приложение 3
Множитель наращения
FM1(r,n)
=
Число периодов |
Процентная ставка |
|||||||
9% |
10 % |
11 % |
12 % |
13 % |
14 % |
15 % |
16 % |
|
1 |
1.0900 |
1.1000 |
1.1100 |
1.1200 |
1.1300 |
1.1400 |
1.1500 |
1.1600 |
2 |
1,1881 |
1.2100 |
1.2321 |
1.2544 |
1.2769 |
1.2996 |
1.3225 |
1.3456 |
3 |
1.2950 |
1.3310 |
1.3676 |
1.4049 |
1.4429 |
1.4815 |
1.5209 |
15609 |
4 |
1.4116 |
1.4641 |
1.5181 |
1.5735 |
1.6305 |
1.6890 |
1.7490 |
1.8106 |
5 |
1.5386 |
1.6105 |
1.6851 |
1.7623 |
1.8424 |
1.9254 |
2.0114 |
2.1003 |
6 |
1.6771 |
1.7716 |
1.8704 |
1.9738 |
2.0820 |
2.1950 |
2.3131 |
2.4364 |
7 |
1.8280 |
1.9487 |
2.0762 |
2.2107 |
2.3526 |
2.5023 |
2.6600 |
2.8262 |
8 |
1.9926 |
2.1436 |
2.3045 |
14760 |
2.6584 |
2.8526 |
3.0590 |
3.2784 |
9 |
2.1719 |
2.3579 |
2.5580 |
2.7731 |
3.0040 |
3.2519 |
3.5179 |
3.8030 |
10 |
2.3674 |
2.5937 |
2.8394 |
3.1058 |
3.3946 |
3.7072 |
4.0456 |
4.4114 |
11 |
2.5804 |
2.8531 |
3.1518 |
3.4785 |
3.8359 |
4.2262 |
4.6524 |
5.1173 |
12 |
2.8127 |
3.1384 |
3.4985 |
3.8960 |
4.3345 |
4.8179 |
5.3503 |
5.9360 |
13 |
3.0658 |
3.4523 |
3.8833 |
4.3635 |
4.8980 |
5.4924 |
6.1528 |
6.8858 |
14 |
3.3417 |
3.7975 |
4.3104 |
4.8871 |
5.5348 |
6.2613 |
7.0757 |
7.9875 |
15 |
3.6425 |
4.1772 |
4.7846 |
5.4736 |
6.2543 |
7.1379 |
8.1371 |
9.2655 |
16 |
3.9703 |
4.5950 |
5.3109 |
6.1304 |
7.0673 |
8.1372 |
9.3576 |
10.7480 |
17 |
4.3276 |
5.0545 |
5.8951 |
6.8660 |
7.9861 |
9.2765 |
10.7613 |
12.4677 |
18 |
4.7171 |
5.5599 |
6.5436 |
7.6900 |
9.0243 |
10.5752 |
12.3755 |
14.4625 |
19 |
5.1417 |
6.1159 |
7.2633 |
8.6128 |
10.1974 |
12.0557 |
14.2318 |
16.7765 |
20 |
5.6044 |
6.7275 |
8.0623 |
9.6463 |
11.5231 |
13.7435 |
16.3665 |
19.4608 |
21 |
6.1088 |
7.4002 |
8.9492 |
10.8038 |
13.0211 |
15.6676 |
18.8215 |
22.5745 |
22 |
6.6586 |
8.1403 |
9.9336 |
12.1003 |
14.7138 |
17.8610 |
21.6447 |
26.1864 |
23 |
7.2579 |
8.9543 |
11.0263 |
13.5523 |
16.6266 |
20.3616 |
24.8915 |
30.3762 |
24 |
7.9111 |
9.8497 |
12.2392 |
15.1786 |
18.7881 |
23.2122 |
28.6252 |
35.2364 |
25 |
8.6231 |
10.8347 |
13.5855 |
17.0001 |
21.2305 |
26.4619 |
32.9190 |
40.8742 |
26 |
9.3992 |
11.9182 |
15.0799 |
19.0401 |
23.9905 |
30.1666 |
37.8568 |
47.4141 |
27 |
10.2451 |
13.1100 |
16.7386 |
21.3249 |
27.1093 |
34.3899 |
43.5353 |
55.0004 |
28 |
11.1671 |
14.4210 |
18.5799 |
23.8839 |
30.6335 |
39.2045 |
50.0656 |
63.8004 |
29 |
12.1722 |
15.8631 |
20.6237 |
26.7499 |
34.6158 |
44.6931 |
57.5755 |
74.0085 |
30 |
13.2677 |
17.4494 |
22.8923 |
29.9599 |
39.1159 |
50.9502 |
66.2118 |
85.8499 |
31 |
14.4618 |
19.1943 |
25.4104 |
33.5551 |
44.2010 |
58.0832 |
76.1435 |
99.5859 |
32 |
15.7633 |
21.1138 |
28.2056 |
37.5817 |
49.9471 |
66.2148 |
87.5651 |
115.5196 |
33 |
17.1820 |
23.2252 |
31.3082 |
42.0915 |
56.4402 |
75.4849 |
100.6998 |
134.0027 |
34 |
18.7284 |
25.5477 |
34.7521 |
47.1425 |
63.7774 |
86.0528 |
115.8048 |
155.4432 |
35 |
20.4140 |
28.1024 |
38.5749 |
52.7996 |
72.0685 |
98.1002 |
133.1755 |
180.3141 |
36 |
22.2512 |
30.9127 |
42.8181 |
59.1356 |
81.4374 |
111.8342 |
153.1519 |
209.1643 |
37 |
24.2538 |
34.0039 |
47.5281 |
66.2318 |
92.0243 |
127.4910 |
176.1246 |
242.6306 |
38 |
26.4367 |
37.4043 |
52.7562 |
74.1797 |
103.9874 |
145.3397 |
202.5433 |
281.4515 |
39 |
28.8160 |
41.1448 |
58.5593 |
83.0812 |
117.5058 |
165.6873 |
232.9248 |
326.4838 |
40 |
31.4094 |
45.2593 |
65.0009 |
93.0510 |
132.7816 |
188.8835 |
267.8635 |
378.7212 |
41 |
34.2363 |
49.7852 |
72.1510 |
104.2171 |
150.0432 |
215.3272 |
308.0431 |
439.3165 |
42 |
37.Я75 |
54.7637 |
80.0876 |
116.7231 |
169.5488 |
245.4730 |
354.2495 |
509.6072 |
43 |
40.6761 |
60.2401 |
88.8972 |
130.7299 |
191.5901 |
279.8392 |
407.3870 |
591.1443 |
44 |
44.3370 |
66.2641 |
98.6759 |
146.4175 |
216.4968 |
319.0167 |
468.4950 |
685.7274 |
45 |
48.3273 |
72.8905 |
109.5302 |
163.9876 |
244.6414 |
363.6791 |
538.7693 |
795.4438 |
46 |
52.6767 |
80.1795 |
121.5786 |
183.6661 |
276.4448 |
414.5941 |
619.5847 |
922.7148 |
47 |
57.4176 |
88.1975 |
134.9522 |
205.7061 |
312.3826 |
472.6373 |
712.5224 |
1070.3492 |
48 |
62.5852 |
97.0172 |
149.7970 |
230.3908 |
352.9923 |
538.8065 |
819.4007 |
1241.6051 |
49 |
68.2179 |
106.7190 |
166.2746 |
258.0377 |
398.8813 |
614.2395 |
942.3108 |
1440.2619 |
50 |
74.3575 |
117.3909 |
184.5648 |
289.0022 |
450.7359 |
700.2330 |
1083.6574 |
1670.7038 |
Продолжение прил. 3
Множитель наращения FM1(r,n) =
Число периодов |
Процентная ставка |
|||||
17 % |
18 % |
19 % |
20 % |
21 % |
22 % |
|
1 |
1.1700 |
1.1800 |
1.1900 |
1.2000 |
1.2100 |
12200 |
2 |
1.3689 |
1.3924 |
1.4161 |
1.4400 |
1.4641 |
14884 |
3 |
1.6016 |
1.6430 |
1.6852 |
1.7280 |
1.7716 |
18158 |
4 |
1.8739 |
1.9388 |
2.0053 |
2.0736 |
2.1436 |
2.2153 |
5 |
2.1924 |
2.2878 |
2.3864 |
2.4883 |
2.5937 |
2.7027 |
6 |
2.5652 |
2.6996 |
2.8398 |
2.9860 |
3.1384 |
3.2973 |
7 |
3.0012 |
3.1855 |
3.3793 |
3.5832 |
3.7975 |
4.0227 |
8 |
3.5115 |
3.7589 |
4.0214 |
4.2998 |
4.5950 |
4.9077 |
9 |
4.1084 |
4.4355 |
4.7854 |
5.1598 |
5.5599 |
5.9874 |
10 |
4.8068 |
5.2338 |
5.6947 |
6.1917 |
6.7275 |
7.3046 |
11 |
5.6240 |
6.1759 |
6.7767 |
7.4301 |
8.1403 |
8.9117 |
12 |
6.5801 |
7.2876 |
8.0642 |
8.9161 |
9.8497 |
10.8722 |
13 |
7.6987 |
8.5994 |
9.5964 |
10.6993 |
11.9182 |
13.2641 |
14 |
9.0075 |
10.1472 |
11.4198 |
12.8392 |
14.4210 |
16.1822 |
15 |
10.5387 |
11.9737 |
13.5895 |
15.4070 |
17.4494 |
19.7423 |
16 |
12.3303 |
14.1290 |
16.1715 |
18.4884 |
21.1138 |
24.0856 |
17 |
14.4265 |
16.6722 |
19.2441 |
22.1861 |
25.5477 |
29.3844 |
18 |
16.8790 |
19.6733 |
22.9005 |
26.6233 |
30.9127 |
35.8490 |
19 |
19.7484 |
23.2144 |
27.2516 |
31.9480 |
37.4043 |
43.7358 |
20 |
23.1056 |
27.3930 |
32.4294 |
38.3376 |
45.2593 |
53.3576 |
21 |
27.0336 |
32.3238 |
38.5910 |
46.0051 |
54.7637 |
65.0963 |
22 |
31.6293 |
38.1421 |
45.9233 |
55.2061 |
66.2641 |
79.4175 |
23 |
37.0062 |
45.0076 |
54.6487 |
66.2474 |
80.1795 |
96.8894 |
24 |
43.2973 |
53.1090 |
65.0320 |
79.4968 |
97.0172 |
118.2050 |
25 |
50.6578 |
62.6686 |
77.3881 |
95.3962 |
117.3909 |
144.2101 |
26 |
59.2697 |
73.9490 |
92.0918 |
114.4755 |
142.0429 |
175.9364 |
27 |
69.3455 |
87.2598 |
109.5893 |
137.3706 |
171.8719 |
214.6424 |
28 |
81.1342 |
102.9666 |
130.4112 |
164.8447 |
207.9651 |
261.8637 |
29 |
94.9271 |
121.5005 |
155.1893 |
197.8136 |
251.6377 |
319.4737 |
30 |
111.0647 |
143.3706 |
184.6753 |
237.3763 |
304.4816 |
389.7579 |
31 |
129.9456 |
169.1774 |
219.7636 |
284.8516 |
368.4228 |
475.5046 |
32 |
152.0364 |
199.6293 |
261.5187 |
341.8219 |
445.7916 |
580.1156 |
33 |
177.8826 |
235.5625 |
311.2073 |
410.1863 |
539.4078 |
707.7411 |
34 |
208.1226 |
277.9638 |
370.3366 |
492.2235 |
652.6834 |
863.4441 |
35 |
243.5035 |
327.9973 |
440.7006 |
590.6682 |
789.7470 |
1053.4018 |
36 |
284.8991 |
387.0368 |
524.4337 |
708.8019 |
955.5938 |
1285.1502 |
37 |
333.3319 |
456.7034 |
624.0761 |
850.5623 |
1156.2685 |
1567.8833 |
38 |
389.9983 |
538.9100 |
742.6506 |
1020.6747 |
1399.0849 |
1912.8176 |
39 |
456.2980 |
635.9139 |
883.7542 |
1224.8096 |
1692.8927 |
2333.6375 |
40 |
533.8687 |
750.3783 |
1051.6675 |
1469.7716 |
2048.4002 |
2847.0378 |
41 |
624.6264 |
885.4464 |
1251.4843 |
1763.7259 |
2478.5643 |
3473.3861 |
42 |
730.8129 |
1044.8268 |
1489.2664 |
2116.4711 |
2999.0628 |
4237.5310 |
43 |
855.0511 |
1232.8956 |
1772.2270 |
2539.7653 |
3628.8659 |
5169.7878 |
44 |
1000.4098 |
1454.8168 |
2108.9501 |
3047.7183 |
4390.9278 |
6307.1411 |
45 |
1170.4794 |
1716.6839 |
2509.6506 |
3657.2620 |
5313.0226 |
7694.7122 |
46 |
1369.4609 |
2025.6870 |
2986.4842 |
4388.7144 |
6428.7574 |
9387.5489 |
47 |
1602.2693 |
2390.3106 |
3553.9162 |
5266.4573 |
7778.7964 |
11452.8096 |
48 |
1874.6550 |
2820.5665 |
4229.1603 |
6319.7487 |
9412.3437 |
13972.4277 |
49 |
2193.3464 |
3328.2685 |
5032.7008 |
7583.6985 |
11388.9358 |
17046.3618 |
50 |
2566.2153 |
3927.3569 |
5988.9139 |
9100.4382 |
13780.6123 |
20796.5615 |
Окончание прил. 3
Множитель наращения FM1(r,n) =
Число периодов |
Процентная ставка |
||||
23 % |
24 % |
25 % |
30 % |
40 % |
|
1 |
1.2300 |
1.2400 |
1.2500 |
1.3000 |
1.4000 |
2 |
1.5129 |
1.5376 |
1.5625 |
1.6900 |
1.9600 |
3 |
1.8609 |
1.9066 |
1.9531 |
2.1970 |
2.7440 |
4 |
2.2889 |
2.3642 |
2.4414 |
2.8561 |
3.8416 |
5 |
2.8153 |
2.9316 |
3.0518 |
3.7129 |
5.3782 |
6 |
3.4628 |
3.6352 |
3.8147 |
4.8268 |
7.5295 |
7 |
4.2593 |
4.5077 |
4.7684 |
6.2749 |
10.5414 |
8 |
5.2389 |
5.5895 |
5.9605 |
8.1573 |
14.7579 |
9 |
6.4439 |
6.9310 |
7.4506 |
10.6045 |
20.6610 |
10 |
7.9259 |
8.5944 |
9.3132 |
13.7858 |
28.9255 |
11 |
9.7489 |
10.6571 |
11.6415 |
17.9216 |
40.4957 |
12 |
11.9912 |
13.2148 |
14.5519 |
23.2981 |
56.6939 |
13 |
14.7491 |
16.3863 |
18.1899 |
30.2875 |
79.3715 |
14 |
18.1414 |
20.3191 |
22.7374 |
39.3738 |
111.1201 |
15 |
22.3140 |
25.1956 |
28.4217 |
51.1859 |
155.5681 |
16 |
27.4462 |
31.2426 |
35.5271 |
66.5417 |
217.7953 |
17 |
33.7588 |
38.7408 |
44.4089 |
86.5042 |
304.9135 |
18 |
41.5233 |
48.0386 |
55.5112 |
112.4554 |
426.8789 |
19 |
51.0737 |
59.5679 |
69.3889 |
146.1920 |
597.6304 |
20 |
62.8206 |
73.8641 |
86.7362 |
190.0496 |
836.6826 |
21 |
77.2694 |
91.5915 |
108.4202 |
247.0645 |
11713556 |
22 |
95.0413 |
113.5735 |
135.5253 |
321.1839 |
1639.8978 |
23 |
116.9008 |
140.8312 |
169.4066 |
417.5391 |
2295.8569 |
24 |
143.7880 |
174.6306 |
211.7582 |
542.8008 |
3214.1997 |
25 |
176.8593 |
216.5420 |
264.6978 |
705.6410 |
4499.8796 |
26 |
217.5369 |
268.5121 |
330.8722 |
917.3333 |
6299.8314 |
27 |
267.5704 |
332.9550 |
413.5903 |
1192.5333 |
8819.7640 |
28 |
329.1115 |
412.8642 |
516.9879 |
1550.2933 |
12347.6696 |
29 |
404.8072 |
511.9516 |
646.2349 |
2015.3813 |
17286.7374 |
30 |
497.9129 |
634.8199 |
807.7936 |
2619.9956 |
24201.4324 |
31 |
612.4328 |
787.1767 |
1009.7420 |
3405.9943 |
33882.0053 |
32 |
753.2924 |
976.0991 |
1262.1774 |
4427.7926 |
47434.8074 |
33 |
926.5496 |
1210.3629 |
1577.7218 |
5756.1304 |
66408.7304 |
34 |
1139.6560 |
1500.8500 |
1972.1523 |
7482.9696 |
92972.2225 |
35 |
1401.7769 |
1861.0540 |
2465.1903 |
9727.8604 |
130161.1116 |
36 |
1724.1856 |
2307.7070 |
3081.4879 |
12646.2186 |
182225.5562 |
37 |
2120.7483 |
2861.5567 |
3851.8599 |
16440.0841 |
2S5115.7786 |
38 |
2608.5204 |
3548.3303 |
4814.8249 |
21372.1094 |
357162.0901 |
39 |
3208.4801 |
4399.9295 |
6018.5311 |
27783.7422 |
500026.9261 |
40 |
3946.4305 |
5455.9126 |
7523.1638 |
36118.8648 |
700037.6966 |
41 |
4854.1095 |
6765.3317 |
9403.9548 |
46954.5243 |
980052.7752 |
42 |
5970.5547 |
8389.0113 |
11754.9435 |
61040.8815 |
1372073.8853 |
43 |
7343.7823 |
10402.3740 |
14693.6794 |
79353.1460 |
1920903.4394 |
44 |
9032.8522 |
12898.9437 |
18367.0992 |
103159.0898 |
2689264.8152 |
45 |
11110.4082 |
15994.6902 |
22958.8740 |
134106.8167 |
3764970.7413 |
46 |
13665.8021 |
19833.4158 |
28698.5925 |
174338.8617 |
5270959.0378 |
47 |
16808.9365 |
24593.4356 |
35873.2407 |
226640.5203 |
7379342.6529 |
48 |
20674.9919 |
30495.8602 |
44841.5509 |
294632.6763 |
10331079.7140 |
49 |
25430.2401 |
37814.8666 |
56051.9386 |
383022.4792 |
14463511.6000 |
50 |
31279.1953 |
46890.4346 |
70064.9232 |
497929.2230 |
20248916.2390 |
