Painim nominal ret bilong dinau long yia long principal, pe bilong olgeta mun na taim bilong dinau.
SAVE LONG ANSA
Ol i kalkuletim dispela olsem wanem?
Em i ting ol pe bilong olgeta mun i wankain, i stat wanpela mun bihain long kisim mani, ret i stap wankain na i no gat wanpela bikpela las pe. Yu peim fi taim yu kisim mani o putim long balens bilong dinau. Dispela estimet bilong plen i no wanpela tokaut bilong APR i bihainim lo bilong wanpela ples.
Ol mani i go i kam long mun, daunim i kam long veliu bilong nauNet mani yu kisim = Σ pe / (1 + ret bilong mun)^k; ret bilong yia = ret bilong mun × 12
Wanpela gutpela eksampel
Dinau bilong 12,000 yu bekim long 12 pe bilong 1,000 i soim intres ret bilong zero.
Risal ol i kalkuletim
Mani bilong dinau paslain long ol fi
Senario
Bekim ol i kalkuletim
20,000
1
17.3617%
25,000
2
7.5001%
30,000
3
0.0747%
Ol asampsen, mining na nomol rong
Ol asampsen bilong kalkulesen
Ol pe i kamap olgeta mun long pinis bilong wanwan taim na hamas pe i no senis.
APR em discount ret bilong ol mani i go i kam long mun taim yu taimsim long 12; ol lo bilong tokaut long wanwan ples inap narapela.
Ol fi bilong stat i daunim net mani yu kisim; ol fi i go insait long dinau i mekim balens yu mas bekim i go bikpela.
Rot bilong save long risal
Intres ret i no kaunim fi; APR i kaunim ol fi bilong dinau yu putim.
Pe i liklik moa long principal yu divaidim long taim bai nidim negativ ret na model i no sapotim.
Ol pe bilong mun ol i raunim inap givim intres ret i narapela liklik.
Nomol rong yu mas abrusim
Putim pe bilong yia olsem pe bilong mun.
Kaunim wankain fi olsem fi bilong stat na fi i go insait long dinau tu.
Ting dispela estimet bilong plen i wanpela tokaut bilong man i givim dinau i bihainim lo.