Iingcebiso zeMali yokuBala iMali (Excel kunye nabanye)

Imodeli yeMboleko yeModeli kunye ne-Excel, i-OpenOffice, okanye i-Google AmaSpredishithi

Iipredishithi zixhobo ezinamandla ezinokukunceda uqonde indlela umbolekisi osebenza ngayo. Benza kube lula ukubona iinkcukacha ezibalulekileyo malunga nemboleko yakho, kwaye izibalo zininzi okanye zizenzekelayo. Unokusebenzisa iziboniso zangaphambili zokwakha iimali ezikuvumela ukuba ufake nje iinkcukacha ezimbalwa malunga nemboleko yakho.

Iipredishithi zifumaneka kubaboneleli abathandwayo abaninzi, kwaye imiyalelo kule khasi iya kusebenza naliphi na le ndelayo (phakathi kwabanye):

• Microsoft Excel
• AmaSpredishithi eGoogle
• OpenOffice

DIY vs. Izikhokelo ze-Calculator

Sichaza indlela yokwakha ispredishithi sakho ukususela kweli phepha, kwaye ungasebenzisa loo miyalelo ngokuguqulwa okufutshane kwezinye iinkqubo zesofthiwe. Kodwa akukho mfuneko yokwenza konke wena - ngaphandle kokuba ufuna ngokwenene. Izilwanyana zivumela ukuba ungene kwiinkcukacha ezimbalwa malunga nomboleko wakho kwaye wenziwe ngawo, kwaye ezo zibonisi ezakhelwe kuqala zilula ukuyisebenzisa.

Ukusebenzisa itemplate yemboleko kwi-Excel, vula ithemplate kwikhompyutha yakho (khuphela i template xa kuyimfuneko):

1. Cofa kwiFayile , kwaye ukhethe entsha kwi menu ekhohlo
2. Uza kubona uludwe lweetemplates ezikhoyo
3. Jonga ngeemplates (phantsi kweSample Templates) okanye khangela kwi-Office.com
4. Chofoza kabini i-template "Imali yokuThengisa iMali"

Enye indlela yokufumana i-template yeMboleko yokuThengisa iMali:

1. Nqakraza ngakwesokudla kwiphepha lamashidi apha ngasezantsi ('iSheet1, iSheet2, njl')
2. Khetha Faka ...
3. Khetha izicwangciso zeSpreadsheet kwimenyu ephumayo

1. Chofoza kabini inketho 'yeMali yeMali'

Xa usesetemplate, gcwalisa ulwazi olunxulumene nemboleko yakho:

1. Isixa semali: Faka isixa obolekayo.
2. Inzala yonyaka: Sebenzisa umyinge womyinge ngemali mboleko (ungasebenzisa u- APR okanye umlinganiselo wenzala, ukuba ukhona). Akufuneki ukuba uguquke kwifomati yedatha, kodwa qiniseka ukuba izinga liboniswe ngokuchanekileyo.

1. Inani leentlawulo ngonyaka: Uhlawula kaninzi kangakanani? Ngeentlawulo zenyanga, faka i-12.
2. Umhla wokuqalisa umboleko: Oku kunokuba luncedo ekucwangciseni, kodwa akubaluleki ukubala ngokuchanekileyo.
3. Iintlawulo ezongezelelweyo ezongezelelweyo: Ukuba uya kuhlawula ngokuthe xaxa - okanye ukuba ufuna ukwazi ukuba kuya kuba luncedo njani ukuhlawula ngokusetyenziswa kweli fowuni. Qaphela ukuba ungalondoloza bunjani ubungakanani bemivuzo kunye nendlela umboleko ohlawulwa ngayo ngokukhawuleza xa uhlawula ngaphezulu.

Indlela yokwakha i-Excel Loan Model

Ukwenza oko ngokwakho kuthatha ixesha elide, kodwa uya kuphuhlisa ulwazi lwezezimali kunye nezakhono zespredishithi ongazifumani kwi template. Ngaphezulu unako ukwenza ngokwezifiso kwintetho yakho yentliziyo. Oko kwathiwa, emva kokuba wenze oku zihlandlo ezimbalwa, unokukufumana ngokukhawuleza ukusebenzisa itemplate ukuqala inkqubo , ngoko "khusela" itemplate kwaye wenze ukuguqulwa kwakho.

Makhe sithi ufuna imodeli ebonisa wena yonke inkokhelo yonyaka okanye yenyanga. Qala kumgca ophezulu ispredishithi sakho kwaye wongeze amacandelo alandelayo (apho uza kufaka ulwazi malunga nemboleko yakho):

• Isixa semali
• Inzala yokufunda (funda indlela yokuguqula ipesenti kunye neziqu zokubala ezi zibalo)
• Inani lamaxesha (okanye ixesha lesimboleko )

Nika ezo iiseli umbala ogciniweyo ogciniweyo, onokuxelela ukuba unokutshintsha ezo zixabiso njengoko uthelekisa imali mboleko kwaye usebenze ntoni-ukuba iziganeko.

Ngoku ulungele ukwenza itafile yedatha yakho. Yenza umqolo ngala magama alandelayo ekholomu:

• Inombolo yexesha
• Ukuqala ibhalansi yemali mboleko
• Intlawulo
• Imali esetyenziswe kumdla
• Isixa esetyenziswe kwinqununu
• Ukuhlawula imali

Ukuba uthanda, unokudibanisa imigqa eyongezelelweyo (njengomdla wokuhlawula umvuzo, umzekelo).

Emva koko, uya kufuna umqolo nganye ngentlawulo nganye njengenxalenye yedatha yedata yakho. Kwikholamu ekude ekhohlo yakho yespredishithi (ngaphantsi kwekholomu yakho "Period" echazwe ngasentla), faka inamba enye kumqolo ngamnye: Umqolo wokuqala "1," uze uhambe umqolo "2," njalo njalo. Umqolo ngamnye ngumvuzo omnye. Kwimali-mboleko yeminyaka engama-30, uza kuba neentlawulo ezili-360 zenyanga-kuba iinani ezinkulu ezinjalo zilula ukuzalisa amaxesha ambalwa okuqala kwaye usebenzise "isibambo sokuzalisa" se-Excel ukuze ugcwalise yonke imiqolo ekhoyo.

Ngoku, qhawula i-Excel kwaye ubale amanani kuwe.

Khumbula ukusebenzisa "$" xa ubhekisela kuyo nayiphi na inombolo yomqolo kwiibalo ngaphandle kwexesha elide - ngaphandle koko, i-Excel iya kubheka kumgca ongalunganga.

1. Sebenzisa umsebenzi we-PMT ukuba ubale inkokhelo yakho yenyanga (usebenzisa ulwazi kwingingqi yakho yengeniso) - le ntlawulo ingatshintshi ngaphezu kobomi bemboleko.
2. Sebenzisa umsebenzi we-IPMT ukubonisa inani lemali nganye yentlawulo eyenza inzala.
3. Ukukhupha isamba semali kwintlawulo yokubala ukubala ukuba ingaba inqununu oyihlawule ngayo ngenyanga leyo.
4. Mthabatha inqununu oyihlawuleyo kwibhalansi yakho mboleko ukufika kwibhalansi yakho entsha.
5. Phinda ixesha ngalinye (okanye inyanga).

Qaphela ukuba emva komgca wokuqala wetafile yakho yedata, uya kubhekisela kumgca wangaphambili ukuze uhlawule imali.

Ukubona umzekelo wendlela iimatriki ezisebenza ngayo nendlela itafile yakho ibonakala ngayo, pheqela phantsi kwekhasi lethu leMali yokuBala .

Ukuba umboleko wakho usebenzisa iintlawulo zenyanga, qiniseka ukuba usethe ixesha ngalinye ngokuchanekileyo kwiifomula. Umzekelo, umboleko weminyaka engama-30 unamaxesha angama-360 (okanye iintlawulo zenyanga). Ngokufanayo, ukuba uhlawula umyinge wonyaka we-6 ekhulwini, kufuneka wenze i- interest rate periodic 0.5% (okanye ama-6 ekhulwini ahlukaniswe ngeenyanga ezili-12).

Ukuba awufuni ukwenza yonke imisebenzi yokusebenza kwiipredishithi, kukho indlela elula. Sebenzisa i-Loan Amortization Calculator ye-Intanethi. Kukunceda kwakhona ukukhangela kabini isiphumo sakho sepredishithi.

Into onokuyenza ngeSpreadsheet yakho

Emva kokuba ubolekisile imali yakho, unokufunda okuninzi ngemboleko yakho.

Itafile yeempahla: I-spreadsheet yakho ibonisa ietafile zokuncedisa, ongayisebenzisa ukudala iindidi zeetati. Jonga indlela umbolekisi wakho ohlawulwa ngayo emva kwexesha, okanye ubuninzi obuya kubakhokhwa ngemali mboleko yakho nawuphi na umhla owenziwe ngexesha elizayo.

Inqununu kunye nomdla: I-spreadsheet ibonisa nendlela intlawulo nganye ephulwe ngayo inqununu kunye nomdla. Uya kuqonda ukuba libiza kangakanani ukuboleka, kwaye ukuba ezo zindleko zitshintsha njani ngexesha. Inkokhelo yakho ihlala enye, kodwa uya kuhlawula inzala engaphantsi kweyona ntlawulo nganye ngenyanga.

Intlawulo yenyanga: I-spreadsheet yakho iya kwenza ukubala okulula. Umzekelo, uya kufuneka ubale intlawulo yenyanga. Ukutshintsha inani lemali-mboleko (ukuba ucinga ukuthenga into engabizi, umzekelo) iya kuthintela intlawulo yakho yenyanga nganye efunekayo.

"Kuthekani ukuba" iziganeko: Inzuzo yokusebenzisa amaspredishithi kukuba unamandla okusebenzisa ikhompyutha ukwenza ezininzi utshintsho kwimodeli njengoko ufuna. Hlola ukubona oko kuza kwenzeka xa wenza iintlawulo ezongezelelweyo ngemboleko yakho. Emva koko yibone oko kwenzekayo xa uboleka ngaphantsi (okanye ngaphezulu). Ngesipredishithi, ungahlaziya iziphumo uze ufumane iimpendulo zangoko.