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Анонімний автор
matematika

Výpočet roční splátky a sestavení umořovacího schématu

Dobrý den,

bohužel si s úkolem nevím rady (v příloze).
Budu rád pokud mi někdo pomůže se zpracováním.
Můžeme se dohodnout na finanční odměně.

Předem děkuji.
Přeji Vám hezký den.

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2 відповідей
I do not speak Czech (or Slovak), but I'd be happy to assist you. First, you must set up the equation of value. Remember that the value of the loan is equal to the present value of all the payments. As such, we have that 1000000=Pmt*a_10|10% = Pmt*(1-(1/1.1)^10)/(0.1). To figure out the payment, you can either solve 1000000 = Pmt*(1-(1/1.1)^10)/(0.1) for Pmt or, given that you are later asked to provide an amortization schedule, jump straight to using the BA II Plus calculator. Before you proceed, you must make sure that the calculator treats the payments as occurring at the end of each period. For that, click 2ND->BGN. If you see END, then you are good to go and you can quit the menu by clicking 2ND->CPT. If for some reason you see BGN on the screen, then you need to click 2ND->SET to change the setting to END and then quit the menu. Then, click 2ND->CE|K to clear the TVM values just in case you used the TVM function before. Now, you want to enter 1000000->PV to set 1000000 as the present value, 10->I/Y to set 10% as the effective interest rate, 10->N to set the number of periods to 10 (10 years) and 0->FV since the value of the loan at the end of the 10 year amortization period is 0. Once that's done, click CPT->PMT and you should see -162745.4... on the screen. The minus sign indicates that YOU are making the payment (thus, YOUR personal balance decreases as a result). Please refer to the screenshot I shared, which details the equation that the calculator is actually solving. Anyhow, your answer to a) should be 162745.4Kc. As for b), the calculator makes short work of this. Without changing any of the TVM values currently on your calculator, you press 2ND->PV to enter the AMORT menu. then, you set P1 to 1 by clicking 1->ENTER. Then, click the downwards pointing arrow and set P2 to 1 by clicking 1->ENTER. By then clicking the downwards arrow again, you should see the balance at the end of the 1st year (BAL), the principal amortized as a result of the first payment (PRN), as well as the interest paid (INT). You may disregard the signs for the purpose of this exercise. You can do the same for the second year by setting P1 to 2 and P2 to 2, and so on for years 3 through 10. This information will help you fill out the table in question b). I hope this helps.
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Анонімний автор
Thank you for help. Calculated.
ahoj ak ešte hľadáš pomoc ozvi sa :)