Na'urar lissafin darajar yanzu (present value)
Darajar yau ta kuɗin da za a samu nan gaba ko jerin biyan kuɗi na gaba, an rage su da kashin da kuka zaɓa.
Game da Na'urar lissafin darajar yanzu (present value)
Darajar yau ta kuɗin da za a samu nan gaba ko jerin biyan kuɗi na gaba, an rage su da kashin da kuka zaɓa.
Ɓangare ne na sashen “Zuba jari & ajiya” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin darajar yanzu (present value)
Abin da yake lissafawa da lokacin amfani da shi
Ƙimar yanzu (present value) tana gaya muku darajar yau ta kuɗin da za ku karɓa a nan gaba, ta amfani da kashin rangwame da ke nuna abin da za ku iya samu ko haɗarin da kuke ɗauka.
Yadda ake amfani da shi, mataki-mataki
- Shigar da dunƙulen kuɗin gaba, da duk wani biya na yau da kullum da za ku karɓa.
- Zaɓi biya nawa a shekara, kashin rangwame da shekaru.
- Karanta ƙimar yanzu da yawan abin da ake rasawa saboda jira.
Ma'anar kowace shigarwa
- Kashin rangwame – The kashi used zuwa bring future money back zuwa yau.
- Payments at the Farawa – Treats each payment as arriving at the beginning of its period.
Yadda ake karanta sakamako
- Present Ƙima – Lump Jimilla da payments valued Yau.
- Ƙima lost zuwa waiting – Jimilla cash received minus its present Ƙima.
Dabarar lissafi
PV = FV ÷ (1 + r)^n + PMT × (1 − (1 + r)^−n) ÷ r. r is the rate per period and n the number of periods.
Misali da aka warware
A lump sum of 20,000 in 10 years at a 5% discount rate is worth 12,143.22 today. The 7,856.78 difference is the cost of waiting.
Zato da iyakoki
- The rangwame kashi shi ne constant.
- Inflation can be included by using a real rate.
Kurakuran da aka saba yi
- Using too ƙasa a rangwame kashi akan risky money.
- Mixing Kowace shekara rates with Kowane wata periods.
Tambayoyin da ake yawan yi
Wane kashin rangwame ya kamata in yi amfani da shi?
Yi amfani da ribar da za ku iya samu a kan wani zaɓi mai irin wannan haɗari.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Lump Jimilla, valued Yau
- £12,143.22
- Jimilla received
- £20,000.00
- Ƙima lost zuwa waiting
- £7,856.78