10 ╨╗╤Г╤З╤И╨╕╤Е ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╕╤Е ╤Д╨╛╤А╨╝╤Г╨╗ ╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╨╣ Excel (╤Б ╨┐╤А╨╕╨╝╨╡╤А╨░╨╝╨╕)
Excel тАФ ╤Н╤В╨╛ ╨╝╨╛╤Й╨╜╤Л╨╣ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨┤╨╗╤П ╤Е╤А╨░╨╜╨╡╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨┤╨░╨╜╨╜╤Л╤Е ╨╕ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨╕╨╝╨╕, ╨░ ╤В╨░╨║╨╢╨╡ ╨┤╨╗╤П ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨┐╨╛╨▓╤В╨╛╤А╤П╤О╤Й╨╕╤Е╤Б╤П ╨▓╤Л╤З╨╕╤Б╨╗╨╡╨╜╨╕╨╣. ╨Ш╨╖╤Г╤З╨╡╨╜╨╕╨╡ ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╤Е ╤Д╨╛╤А╨╝╤Г╨╗ ╨┤╨╗╤П ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П ╨▓ Excel ╨╝╨╛╨╢╨╡╤В ╨┐╨╛╨╝╨╛╤З╤М ╨▓╨░╨╝ ╨┐╤А╨╕╨╛╨▒╤А╨╡╤Б╤В╨╕ ╨╕╨╗╨╕ ╤Г╨╗╤Г╤З╤И╨╕╤В╤М ╨╜╨░╨▓╤Л╨║╨╕ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╛╨│╨╛ ╤Г╤З╨╡╤В╨░. ╨Т ╤Н╤В╨╛╨╣ ╤Б╤В╨░╤В╤М╨╡ ╨╝╤Л ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╝ ╤А╨░╨╖╨╜╨╕╤Ж╤Г ╨╝╨╡╨╢╨┤╤Г ╤Д╨╛╤А╨╝╤Г╨╗╨░╨╝╨╕ ╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╤П╨╝╨╕ ╨╕ ╨┐╨╡╤А╨╡╤З╨╕╤Б╨╗╨╕╨╝ 10 ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╤Е ╤Д╨╛╤А╨╝╤Г╨╗ ╨┤╨╗╤П ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨╛╨▓.
╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡: 25 ╨╗╤Г╤З╤И╨╕╤Е ╤Б╨╛╨▓╨╡╤В╨╛╨▓ ╨┐╨╛ Excel ╨┤╨╗╤П ╨╛╨┐╤В╨╕╨╝╨╕╨╖╨░╤Ж╨╕╨╕ ╨▓╨░╤И╨╡╨│╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П
╨д╨╛╤А╨╝╤Г╨╗╤Л ╨┐╤А╨╛╤В╨╕╨▓ ╤Д╤Г╨╜╨║╤Ж╨╕╨╣
╨Ш ╤Д╨╛╤А╨╝╤Г╨╗╤Л, ╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╤Л╨┐╨╛╨╗╨╜╤П╤В╤М ╨▓╤Л╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П ╨▓ Microsoft Excel. ╨д╨╛╤А╨╝╤Г╨╗╤Л тАФ ╤Н╤В╨╛ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╨╝╤Л╨╡ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╨╡╨╝ ╨▓╤Л╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨╡╤Б╨╗╨╕ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤М ╤Е╨╛╤З╨╡╤В ╤Б╨╗╨╛╨╢╨╕╤В╤М ╨╖╨╜╨░╤З╨╡╨╜╨╕╤П ╨▓ ╤П╤З╨╡╨╣╨║╨░╤Е B2, B3 ╨╕ B4 ╨▓╨╝╨╡╤Б╤В╨╡, ╤Д╨╛╤А╨╝╤Г╨╗╨░ ╨▓ Excel ╨╝╨╛╨╢╨╡╤В ╨▓╤Л╨│╨╗╤П╨┤╨╡╤В╤М ╤В╨░╨║: =B2+B3+B4. ╨д╤Г╨╜╨║╤Ж╨╕╨╕ тАФ ╤Н╤В╨╛ ╨▓╤Б╤В╤А╨╛╨╡╨╜╨╜╤Л╨╡ ╤Д╨╛╤А╨╝╤Г╨╗╤Л Excel. ╨Я╤А╨╕╨╝╨╡╤А╨░╨╝╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╨╣ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨б╨г╨Ь╨Ь ╨╕ ╨б╨а╨Ч╨Э╨Р╨з.
╨Ы╤Г╤З╤И╨╕╨╡ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╕╨╡ ╤Д╨╛╤А╨╝╤Г╨╗╤Л Excel
╨Т╨╛╤В ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╨╖ ╨╜╨░╨╕╨▒╨╛╨╗╨╡╨╡ ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╤Е ╨┤╨╗╤П ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨╛╨▓ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П ╤Д╨╛╤А╨╝╤Г╨╗ ╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╨╣ Excel:
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1. ╨Р╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤П ╨░╨║╤В╨╕╨▓╨╛╨▓
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╤А╨░╤Б╤Б╤З╨╕╤В╨░╤В╤М ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤О ╨░╨║╤В╨╕╨▓╨╛╨▓, ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕ ╤Б╤Г╨╝╨╝╤Г ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕, ╨║╨╛╤В╨╛╤А╤Г╤О ╨░╨║╤В╨╕╨▓ ╤В╨╡╤А╤П╨╡╤В ╤Б ╤В╨╡╤З╨╡╨╜╨╕╨╡╨╝ ╨▓╤А╨╡╨╝╨╡╨╜╨╕. Excel ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨┐╤П╤В╤М ╨╝╨╡╤В╨╛╨┤╨╛╨▓ ╤А╨░╤Б╤З╨╡╤В╨░ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓:
DB (╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╤Г╤В╨╕╨╗╨╕╨╖╨░╤Ж╨╕╤П, ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л, ╨┐╨╡╤А╨╕╨╛╨┤, ╨╝╨╡╤Б╤П╤Ж): ╨Ь╨╡╤В╨╛╨┤ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╨╛╤Б╤В╨░╤В╨║╨░ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М╤Б╤П ╨┤╨╗╤П ╤Г╨╝╨╡╨╜╤М╤И╨╡╨╜╨╕╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨░╨║╤В╨╕╨▓╨░ ╨╜╨░ ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В. ╨Ч╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨╝╨╡╤Б╤П╤Ж╨░ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝.
SLN (╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╤Б╨┐╨░╤Б╨╡╨╜╨╕╨╡, ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л): ╨╗╨╕╨╜╨╡╨╣╨╜╤Л╨╣ ╤А╨░╤Б╤З╨╡╤В ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М╤Б╤П ╨┤╨╗╤П ╨┤╨╡╨╝╨╛╨╜╤Б╤В╤А╨░╤Ж╨╕╨╕ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨░╨║╤В╨╕╨▓╨░ ╨╜╨░ ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨╡╨│╨╛ ╤Б╤А╨╛╨║╨░ ╤Б╨╗╤Г╨╢╨▒╤Л.
DDB (╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╨╗╨╕╨║╨▓╨╕╨┤╨░╤Ж╨╕╤П, ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л, ╨┐╨╡╤А╨╕╨╛╨┤, ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В): ╨Р╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤П ╨╛╤Б╤В╨░╤В╨║╨░ ╤Б ╨┤╨▓╨╛╨╣╨╜╤Л╨╝ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╨╡╨╝ тАФ ╤Н╤В╨╛ ╨╡╤Й╨╡ ╨╛╨┤╨╕╨╜ ╨╝╨╡╤В╨╛╨┤ Excel, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╝╨╛╨╢╨╡╤В ╤Г╨┤╨▓╨╛╨╕╤В╤М ╨╜╨╛╤А╨╝╤Г ╨╗╨╕╨╜╨╡╨╣╨╜╨╛╨╣ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕. ╨Ч╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤Д╨░╨║╤В╨╛╤А╨░ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝.
VDB (╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╤Г╤В╨╕╨╗╨╕╨╖╨░╤Ж╨╕╤П, ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л, ╨╜╨░╤З╨░╨╗╤М╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤, ╨║╨╛╨╜╨╡╤З╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤, ╤Д╨░╨║╤В╨╛╤А, ╨▒╨╡╨╖ ╨┐╨╡╤А╨╡╨║╨╗╤О╤З╨╡╨╜╨╕╤П): ╨┐╨╡╤А╨╡╨╝╨╡╨╜╨╜╤Л╨╣ ╨▒╨░╨╗╨░╨╜╤Б ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╨╝╨╛╨╢╨╡╤В ╨╛╤В╨╛╨▒╤А╨░╨╢╨░╤В╤М ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤О ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╤Г╨║╨░╨╖╨░╨╜╨╜╨╛╨│╨╛ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╨╡╨╝ ╨┐╨╡╤А╨╕╨╛╨┤╨░. ╨Ч╨╜╨░╤З╨╡╨╜╨╕╤П ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╨░ ╨╕ ╨╛╤В╤Б╤Г╤В╤Б╤В╨▓╨╕╤П ╨┐╨╡╤А╨╡╨║╨╗╤О╤З╨░╤В╨╡╨╗╤П ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝╨╕.
SYD (╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М, ╤Г╤В╨╕╨╗╨╕╨╖╨░╤Ж╨╕╤П, ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л, ╨╖╨░): ╨б╤Г╨╝╨╝╨░ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨▓ ╨│╨╛╨┤╨░╤Е ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В ╨┐╨╛╨║╨░╨╖╤Л╨▓╨░╤В╤М ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╨╡ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨┐╤А╨╡╨┤╨╝╨╡╤В╨░.
╨Я╤А╨╕╨╝╨╡╤А: ╨е╤Г╨╗╨╕╨╛ тАФ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А, ╤З╨╡╨╣ ╨║╨╗╨╕╨╡╨╜╤В ╤Е╨╛╤З╨╡╤В ╨║╤Г╨┐╨╕╤В╤М ╨╗╨╛╨┤╨║╤Г ╨╖╨░ 5000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨Ъ╨╗╨╕╨╡╨╜╤В ╤Е╨╛╤З╨╡╤В ╨╖╨╜╨░╤В╤М, ╨╜╨░╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╗╨╛╨┤╨║╨░ ╨╛╨▒╨╡╤Б╤Ж╨╡╨╜╨╕╤В╤Б╤П ╨╖╨░ ╨┐╨╡╤А╨▓╤Л╨╡ ╨┐╤П╤В╤М ╨╗╨╡╤В ╤Б╨▓╨╛╨╡╨╣ ╨╢╨╕╨╖╨╜╨╕. ╨е╤Г╨╗╨╕╨╛ ╤А╨╡╤И╨░╨╡╤В ╤А╨░╤Б╤Б╤З╨╕╤В╨░╤В╤М ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤О ╨┐╤А╨╕ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╨╕ ╨▒╨░╨╗╨░╨╜╤Б╨░ ╨╗╨╛╨┤╨║╨╕. ╨Ы╨╕╨║╨▓╨╕╨┤╨░╤Ж╨╕╨╛╨╜╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М (╨╕╨╗╨╕ ╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М) ╨╗╨╛╨┤╨║╨╕ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 350 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р, ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨┐╨╛╤Б╨╗╨╡ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╨╗╨╛╨┤╨║╨╕. ╨а╨░╤Б╤З╨╡╤В╨╜╤Л╨╣ ╤Б╤А╨╛╨║ ╤Б╨╗╤Г╨╢╨▒╤Л ╨╗╨╛╨┤╨║╨╕, ╨║╨╛╤В╨╛╤А╤Г╤О ╤Е╨╛╤З╨╡╤В ╨║╤Г╨┐╨╕╤В╤М ╨║╨╗╨╕╨╡╨╜╤В, ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 15 ╨╗╨╡╤В. ╨е╤Г╨╗╨╕╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╨╛╤А╨╝╤Г╨╗╤Г =DB(5000, 350, 15, 5), ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕, ╤З╤В╨╛ ╨░╨╝╨╛╤А╤В╨╕╨╖╨░╤Ж╨╕╤П ╨╛╤Б╤В╨░╤В╨║╨░ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨╗╨╛╨┤╨║╨╕ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 399,45 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р.
2. ╨У╨╛╨┤╨╛╨▓╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░
╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О ╨б╨в╨Р╨Т╨Ъ╨Р ╨▓ Excel ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨│╨╛╨┤╨╛╨▓╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
╨д╨╛╤А╨╝╤Г╨╗╨░: ╨б╨в╨Р╨Т╨Ъ╨Р(nper, pmt, pv, fv, ╤В╨╕╨┐, ╨┐╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡)
╨Ъ╨┐╨╡╤А: ╤Н╤В╨╛ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л.
Pmt: ╤Н╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╤Б╤Г╨╝╨╝╤Г, ╨▓╤Л╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╨╝╤Г╤О ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╨║╨░╨╢╨┤╤Л╨╣ ╨│╨╛╨┤.
Pv: ╨Я╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤В╨╡╨║╤Г╤Й╤Г╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨║╤А╨╡╨┤╨╕╤В╨░.
Fv: ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨▓╨║╨╗╤О╤З╨╕╤В╤М ╨╛╤Б╤В╨░╤В╨╛╨║ ╨║╤А╨╡╨┤╨╕╤В╨░ ╨┐╨╛╤Б╨╗╨╡ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╡╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░.
╨в╨╕╨┐: ╤Н╤В╨╛╤В ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨░╤А╨│╤Г╨╝╨╡╨╜╤В ╨╛╨╖╨╜╨░╤З╨░╨╡╤В, ╨║╨╛╨│╨┤╨░ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨▒╤Л╤В╤М ╨┐╨╛╨│╨░╤И╨╡╨╜ ╨║╤А╨╡╨┤╨╕╤В. ╨Х╨┤╨╕╨╜╨╕╤Ж╤Г ╨╝╨╛╨╢╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨┤╨╗╤П ╨╜╨░╤З╨░╨╗╨░ ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨╛╨┐╨╗╨░╤В╤Л, ╨░ ╨╜╨╛╨╗╤М тАФ ╨┤╨╗╤П ╨║╨╛╨╜╤Ж╨░.
Guess: ╤Н╤В╨╛ ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╨╛╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨┐╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П Excel ╨╛ ╤Б╨║╨╛╤А╨╛╤Б╤В╨╕. ╨н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╨╛ ╤Г╨╝╨╛╨╗╤З╨░╨╜╨╕╤О ╤А╨░╨▓╨╜╨╛ 10%.
╨Я╤А╨╕╨╝╨╡╤А: ╨║╨╗╨╕╨╡╨╜╤В╨║╨░ ╨Ь╨╕╤И╨╕ ╤Е╨╛╤З╨╡╤В ╨╖╨╜╨░╤В╤М, ╨║╨░╨║╨░╤П ╤Г ╨╜╨╡╨╡ ╨│╨╛╨┤╨╛╨▓╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╛╨╜╨░ ╨▓╤Л╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╤В ╨╕╨╖ ╤А╨░╤Б╤З╨╡╤В╨░ 350 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╨╝╨╡╤Б╤П╤Ж ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨▓╤Г╤Е ╨╗╨╡╤В. ╨Ь╨╕╤И╨░ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╤Г╨╜╨║╤Ж╨╕╤О =╨б╨в╨Р╨Т╨Ъ╨Р(24, 350, -7,000)*12, ╤З╤В╨╛╨▒╤Л ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В╤М, ╤З╤В╨╛ ╨│╨╛╨┤╨╛╨▓╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 18,16%.
3. ╨б╨╗╨╛╨╢╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л
╨б╨╗╨╛╨╢╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л тАФ ╤Н╤В╨╛ ╨▓╨║╨╗╤О╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨║╤А╨╡╨┤╨╕╤В╨░. ╨Ш╨╜╨╛╨│╨┤╨░ ╤Н╤В╨╛ ╨╛╨┐╨╕╤Б╤Л╨▓╨░╨╡╤В╤Б╤П ╨║╨░╨║ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Л╨╡ ╨╜╨░ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╨╛╤А╨╝╤Г╨╗╤Г ╤Б╨╗╨╛╨╢╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨▓ Excel, ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕ ╨▒╤Г╨┤╤Г╤Й╤Г╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣.
╨д╨╛╤А╨╝╤Г╨╗╨░: p * (1+r)^n
P: ╤Н╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨╛╤Б╨╜╨╛╨▓╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨║╤А╨╡╨┤╨╕╤В╨░
╨а: ╨н╤В╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
N: ╨н╤В╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨┤╨╗╤П ╨║╤А╨╡╨┤╨╕╤В╨░.
╨Я╤А╨╕╨╝╨╡╤А: ╨╡╤Б╨╗╨╕ ╨Ф╨╢╨╡╨║╨╕ ╨▓╨╛╨╖╤М╨╝╨╡╤В ╨╗╨╕╤З╨╜╤Л╨╣ ╨║╤А╨╡╨┤╨╕╤В ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╤Б ╨▓╤Л╨┐╨╗╨░╤В╨╛╨╣ 8% ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨▓╤Г╤Е ╨╗╨╡╤В, ╨╛╨╜╨░ ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М Excel ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╤Б╨╗╨╛╨╢╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓. ╨Ш╤Б╨┐╨╛╨╗╤М╨╖╤Г╤П ╤Д╨╛╤А╨╝╤Г╨╗╤Г = 500 * (1 + 8%) ^ 2, ╨╛╨╜╨░ ╨╝╨╛╨│╨╗╨░ ╨╜╨░╨╣╤В╨╕, ╤З╤В╨╛ ╨╡╨╡ ╤Б╨╗╨╛╨╢╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╤Б╨╛╤Б╤В╨░╨▓╤П╤В 583,20 ╨┤╨╛╨╗╨╗╨░╤А╨░.
4. ╨Я╨╗╨░╤В╨╡╨╢╨╕ ╨┐╨╛ ╨╕╨┐╨╛╤В╨╡╨║╨╡
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О PMT ╨┤╨╗╤П ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕ ╨╕╨┐╨╛╤В╨╡╤З╨╜╨╛╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░.
╨д╨╛╤А╨╝╤Г╨╗╨░: ╨Я╨Ы╨в (╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В, ╨║╨┐╨╡╤А, pv, fv, ╤В╨╕╨┐)
╨б╤В╨░╨▓╨║╨░: ╤Н╤В╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
╨Ъ╨┐╨╡╤А: ╨Ъ╨┐╨╡╤А ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
PV: ╨н╤В╨╛ ╨╛╤Б╨╜╨╛╨▓╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░ ╨║╤А╨╡╨┤╨╕╤В╨░.
FV: ╤Н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤Б╤В╨░╤В╨╛╨║ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨┐╨╛╤Б╨╗╨╡ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╡╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░. ╨н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╨╜╨╡ ╨▓╨║╨╗╤О╤З╨░╨╡╤В╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ fv, ╨┐╨╛ ╤Г╨╝╨╛╨╗╤З╨░╨╜╨╕╤О ╨╛╨╜╨╛ ╤А╨░╨▓╨╜╨╛ ╨╜╤Г╨╗╤О.
╨в╨╕╨┐: ╤Г╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╨┤╨░╤В╤Г ╨┐╨╗╨░╤В╨╡╨╢╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г. ╨н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤В╨░╨║╨╢╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝. ╨Ч╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨╡╨┤╨╕╨╜╨╕╤Ж╤Л ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╜╨░╤З╨░╨╗╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨╛╨┐╨╗╨░╤В╤Л, ╨░ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨╜╤Г╨╗╤П ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨║╨╛╨╜╨╡╤Ж ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨╛╨┐╨╗╨░╤В╤Л.
╨Я╤А╨╕╨╝╨╡╤А: ╨║╨╗╨╕╨╡╨╜╤В ╨Ь╨░╤А╨┤╨╢╨╛╤А╨╕ ╤Е╨╛╤З╨╡╤В ╨║╤Г╨┐╨╕╤В╤М ╨┤╨╛╨╝ ╨╜╨░ 30-╨╗╨╡╤В╨╜╨╕╨╣ ╨╕╨┐╨╛╤В╨╡╤З╨╜╤Л╨╣ ╨║╤А╨╡╨┤╨╕╤В ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 100 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╜╤Г╨╢╨╜╨╛ ╨┐╨╛╨│╨░╤И╨░╤В╤М ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╨╛. ╨Я╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 7%. ╨Ь╨░╤А╨┤╨╢╨╛╤А╨╕ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╨╛╤А╨╝╤Г╨╗╤Г =PMT(7%/12, 360, -100000), ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕, ╤З╤В╨╛ ╨╡╨╡ ╨║╨╗╨╕╨╡╨╜╤В ╨┤╨╛╨╗╨╢╨╡╨╜ ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╨╛ ╨┐╨╗╨░╤В╨╕╤В╤М 665,30 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓.
5. ╨С╤Г╨┤╤Г╤Й╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О ╨▒╤Г╨┤╤Г╤Й╨╡╨╣ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╨╕, ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╣ ╨▓ ╨▒╤Г╨┤╤Г╤Й╨╡╨╝.
╨д╨╛╤А╨╝╤Г╨╗╨░: ╨С╨б(╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В, ╨║╨┐╨╡╤А, ╨┐╨╗╤В, ╨┐╤Б, ╤В╨╕╨┐)
╨б╤В╨░╨▓╨║╨░: ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨╖╨░ ╨┐╨╡╤А╨╕╨╛╨┤.
╨Ъ╨┐╨╡╤А: ╨Ъ╨┐╨╡╤А тАФ ╤Н╤В╨╛ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л.
Pmt: ╤Н╤В╨╛ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨┐╨╗╨░╤В╨╡╨╢╨░, ╤Б╨┤╨╡╨╗╨░╨╜╨╜╨╛╨│╨╛ ╨╖╨░ ╨║╨░╨╢╨┤╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤.
Pv: ╨н╤В╨╛ ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╨╛╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨▒╤Г╨┤╤Г╤Й╨╕╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨▓ ╨╜╨░╤Б╤В╨╛╤П╤Й╨╡╨╡ ╨▓╤А╨╡╨╝╤П.
╨в╨╕╨┐: ╤Н╤В╨╛╤В ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨┐╨░╤А╨░╨╝╨╡╤В╤А ╨┐╨╛╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╤Б╤А╨╛╨║ ╨┐╨╗╨░╤В╨╡╨╢╨░. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨╜╨╛╨╗╤М ╨┤╨╗╤П ╨╛╨║╨╛╨╜╤З╨░╨╜╨╕╤П ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨╕ ╨╡╨┤╨╕╨╜╨╕╤Ж╤Г ╨┤╨╗╤П ╨╜╨░╤З╨░╨╗╨░.
╨Я╤А╨╕╨╝╨╡╤А: ╨║╨╗╨╕╨╡╨╜╤В ╨Э╨╕╨╜╤Л ╤Е╨╛╤З╨╡╤В ╨╜╨░╨║╨╛╨┐╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╨╜╨░ ╨┐╨╡╤А╨▓╤Л╨╣ ╨▓╨╖╨╜╨╛╤Б ╨╖╨░ ╨┤╨╛╨╝ ╤З╨╡╤А╨╡╨╖ ╤В╤А╨╕ ╨│╨╛╨┤╨░. ╨г ╨╡╨╡ ╨║╨╗╨╕╨╡╨╜╤В╨░ ╨╡╤Б╤В╤М 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╜╨░ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╨╛╨╝ ╤Б╤З╨╡╤В╨╡, ╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╜╨░╤З╨╕╤Б╨╗╤П╨╡╤В╤Б╤П 3% ╨│╨╛╨┤╨╛╨▓╤Л╤Е. ╨Ъ╨╗╨╕╨╡╨╜╤В ╨┐╨╗╨░╨╜╨╕╤А╤Г╨╡╤В ╨┤╨╛╨▒╨░╨▓╨╕╤В╤М ╨╜╨░ ╤Б╤З╨╡╤В 3000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╡╨│╨╛ ╨│╨╛╨┤╨░. ╨Э╨╕╨╜╨░ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╨╛╤А╨╝╤Г╨╗╤Г =FV(3%/12, 36, -3000, -7000) ╨▓ Excel, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨║╨░╨╖╨░╤В╤М ╤Б╨▓╨╛╨╡╨╝╤Г ╨║╨╗╨╕╨╡╨╜╤В╤Г, ╤З╤В╨╛ ╨╛╨╜ ╨╝╨╛╨╢╨╡╤В ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М 120 520,04 ╨┤╨╛╨╗╨╗╨░╤А╨░ ╨╜╨░ ╨┐╨╡╤А╨▓╨╛╨╜╨░╤З╨░╨╗╤М╨╜╨╛╨╝ ╨▓╨╖╨╜╨╛╤Б╨╡.
╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡: ╨Ъ╨░╨║ ╨▓╨║╨╗╤О╤З╨╕╤В╤М ╨╜╨░╨▓╤Л╨║╨╕ ╤А╨░╨▒╨╛╤В╤Л ╤Б Excel ╨▓ ╤Б╨▓╨╛╨╡ ╤А╨╡╨╖╤О╨╝╨╡
6. ╨н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╨░╤П ╨│╨╛╨┤╨╛╨▓╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╨╛╤А╨╝╤Г╨╗╤Г ╨н╨д╨д╨Х╨Ъ╨в ╨┤╨╗╤П ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╕╤П ╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╨╛╨╣ ╨│╨╛╨┤╨╛╨▓╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
╨д╨╛╤А╨╝╤Г╨╗╨░: ╨н╨д╨д╨Х╨Ъ╨в(╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П_╤Б╨║╨╛╤А╨╛╤Б╤В╤М, ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛_╨┐╨╡╤А╨╕╨╛╨┤╨╛╨▓)
╨Э╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П_╤Б╤В╨░╨▓╨║╨░: ╤Н╤В╨╛ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨╕╨╗╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┤╨╛ ╨╕╨╜╤Д╨╗╤П╤Ж╨╕╨╕.
Npery: ╤Н╤В╨╛ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨│╨╛╨┤╨╛╨▓╤Л╤Е ╨┐╨╡╤А╨╕╨╛╨┤╨╛╨▓ ╨╜╨░╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П ╤Б╨╗╨╛╨╢╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨╕╨╗╨╕ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╤А╨░╨╖ ╨╖╨░ ╨┐╨╡╤А╨╕╨╛╨┤ ╨▓╤Л╨┐╨╗╨░╤В╤Л, ╨║╨╛╨│╨┤╨░ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨┤╨╛╨▒╨░╨▓╨╗╤П╤О╤В╤Б╤П ╨║ ╨║╤А╨╡╨┤╨╕╤В╤Г.
╨Я╤А╨╕╨╝╨╡╤А: ╨║╨╗╨╕╨╡╨╜╤В ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨░ ╤Е╨╛╤З╨╡╤В ╨╖╨╜╨░╤В╤М ╤А╨╡╨░╨╗╤М╨╜╤Г╤О ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╨╛╨│╨╛ ╤Б╨╗╨╛╨╢╨╜╨╛╨│╨╛ ╨║╤А╨╡╨┤╨╕╤В╨░ ╨╜╨░ 30 ╨╗╨╡╤В ╨┐╨╛╤Б╨╗╨╡ ╨▓╤Л╤З╨╡╤В╨░ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╣ ╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓. ╨Э╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 8%. ╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╤Г╨╜╨║╤Ж╨╕╤О =╨н╨д╨д╨Х╨Ъ╨в(8%, 30*12), ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕, ╤З╤В╨╛ ╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╨░╤П ╨│╨╛╨┤╨╛╨▓╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 8,33%.
7. ╨д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г
╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤А╨░╤Б╤Б╤З╨╕╤В╨░╤В╤М ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╤З╨░╤Б╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╝╤Г ╨┐╨╗╨░╤В╨╡╨╢╤Г ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ IPMT ╨▓ Excel.
╨д╨╛╤А╨╝╤Г╨╗╨░: IPMT(╤Б╨║╨╛╤А╨╛╤Б╤В╤М, ╨╖╨░, ╨║╨┐╨╡╤А, pv, fv, ╤В╨╕╨┐)
╨б╤В╨░╨▓╨║╨░: ╤Н╤В╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
Per: ╨н╤В╨╛ ╨┐╨╡╤А╨╕╨╛╨┤ ╨┤╨╗╤П ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓.
╨Ъ╨┐╨╡╤А: ╨Ъ╨┐╨╡╤А ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г.
PV: ╨н╤В╨╛ ╨╛╤Б╨╜╨╛╨▓╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░ ╨║╤А╨╡╨┤╨╕╤В╨░.
FV: ╤Н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨╛╤Б╤В╨░╤В╨╛╨║ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨┐╨╛╤Б╨╗╨╡ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╡╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░. ╨н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝.
╨в╨╕╨┐: ╤Г╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╨┤╨░╤В╤Г ╨┐╨╗╨░╤В╨╡╨╢╨░ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г. ╨н╤В╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤В╨░╨║╨╢╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╝.
╨Я╤А╨╕╨╝╨╡╤А: ╨Ъ╨╛╨╝╨┐╨░╨╜╨╕╤П ╨┐╤А╨╛╤Б╨╕╤В ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨░ ╨╜╨░╨╣╤В╨╕ ╨┤╨╛╨╗╤О ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨┐╨╛ ╨┐╤П╤В╨╕╨╗╨╡╤В╨╜╨╡╨╝╤Г ╨┐╨╗╨░╤В╨╡╨╢╤Г ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 15 000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╤Б ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╛╨╣ 5%, ╨║╨╛╤В╨╛╤А╤Г╤О ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╨▓╤Л╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╤В ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╨╛. ╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О =IPMT(5%/12, 1, 5*12, -15 000), ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕, ╤З╤В╨╛ 6% ╨║╨░╨╢╨┤╨╛╨│╨╛ ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╨╛╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л.
8. ╨Ф╨╡╨╜╨╡╨╢╨╜╤Л╨╡ ╨┐╨╛╤В╨╛╨║╨╕
╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О MIRR ╨▓ Excel ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╨┐╨╛╤В╨╛╨║╨╛╨▓ ╨┤╨╗╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨н╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В ╨╝╨╛╨┤╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╤О╤О ╨╜╨╛╤А╨╝╤Г ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕.
╨д╤Г╨╜╨║╤Ж╨╕╤П: MIRR(╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╡_╨┐╨╛╤В╨╛╨║╨╕, ╤Б╤В╨░╨▓╨║╨░_╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╤Б╤В╨░╨▓╨║╨░_╤А╨╡╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П)
Cash_flows: ╨┐╨╡╤А╨▓╤Л╨╣ ╨┐╨░╤А╨░╨╝╨╡╤В╤А ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤П╤З╨╡╨╣╨║╨░╨╝, ╤Б╨╛╨┤╨╡╤А╨╢╨░╤Й╨╕╨╝ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╡ ╨┐╨╛╤В╨╛╨║╨╕.
Finance_rate: ╤Н╤В╨╛ ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ (╨╕╨╗╨╕ ╤Б╤В╨░╨▓╨║╨░ ╨┤╨╕╤Б╨║╨╛╨╜╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П), ╨┐╨╛╨║╨░╨╖╨░╨╜╨╜╨░╤П ╨▓ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨░╤Е.
Reinvest_rate: ╤Н╤В╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╤Г╤О ╨╛╤В ╤А╨╡╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╨┐╨╛╤В╨╛╨║╨╛╨▓.
╨Я╤А╨╕╨╝╨╡╤А: ╨╡╨╢╨╡╨║╨▓╨░╤А╤В╨░╨╗╤М╨╜╤Л╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╤П ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╨┐╨╛╤В╨╛╨║╨░ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓ ╤В╨░╨▒╨╗╨╕╤Ж╨╡ Excel ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤Б╨╛╨▒╨╛╨╣ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕ ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 5000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╕ ╨┤╨╛╤Е╨╛╨┤╤Л ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 6700 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р, 8000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╕ 7000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╖╨░ ╨║╨░╨╢╨┤╤Л╨╣ ╨╝╨╡╤Б╤П╤Ж ╨║╨▓╨░╤А╤В╨░╨╗╨░. ╨в╤А╨╡╨▒╤Г╨╡╨╝╨░╤П ╨╜╨╛╤А╨╝╨░ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 15%. ╨Ю╨╜ ╨┐╨╛╨╗╤Г╤З╨░╨╡╤В 10% ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨╜╨░ ╤А╨╡╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╡ ╨┐╨╛╤В╨╛╨║╨╕. ╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓╨▓╨╛╨┤╨╕╤В =MIRR(A13:A15, 15%, 10%), ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╨╝╨╛╨┤╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╤О╤О ╨╜╨╛╤А╨╝╤Г ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ 70%.
9. ╨Т╨╜╤Г╤В╤А╨╡╨╜╨╜╤П╤П ╨╜╨╛╤А╨╝╨░ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О IRR ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╡╨╣ ╨╜╨╛╤А╨╝╤Л ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╨┐╨╛╤В╨╛╨║╨╛╨▓.
╨д╤Г╨╜╨║╤Ж╨╕╤П: IRR(╨╖╨╜╨░╤З╨╡╨╜╨╕╤П, ╨┐╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡)
Cash_flows: ╤Н╤В╨╛ ╤Б╤Б╤Л╨╗╨║╨░ ╨╜╨░ ╤П╤З╨╡╨╣╨║╨╕, ╤Б╨╛╨┤╨╡╤А╨╢╨░╤Й╨╕╨╡ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╡ ╨┐╨╛╤В╨╛╨║╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, (D6:D11).
╨Я╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡. ╨н╤В╨╛╤В ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨┐╨░╤А╨░╨╝╨╡╤В╤А ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨┐╤А╨╡╨┤╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П ╨╛ ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╡╨╣ ╨╜╨╛╤А╨╝╨╡ ╨┤╨╛╤Е╨╛╨┤╨╜╨╛╤Б╤В╨╕.
╨Я╤А╨╕╨╝╨╡╤А. ╨У╨╛╨┤╨╛╨▓╤Л╨╡ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╡ ╨┐╨╛╤В╨╛╨║╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╤Г╨║╨░╨╖╨░╨╜╤Л ╨▓ ╤Б╤В╨╛╨╗╨▒╤Ж╨╡ F ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨╣ ╤В╨░╨▒╨╗╨╕╤Ж╤Л Excel. ╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╨╛╤А╨╝╤Г╨╗╤Г IRR(F5:F17), ╤З╤В╨╛╨▒╤Л ╨╜╨░╨╣╤В╨╕ ╨│╨╛╨┤╨╛╨▓╤Г╤О ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╤О╤О ╨╜╨╛╤А╨╝╤Г ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕.
10. ╨Э╨░╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л
╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Л ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Д╤Г╨╜╨║╤Ж╨╕╤О ACCRINT ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨╜╨░╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╤Е ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓ ╨╖╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨▓╤А╨╡╨╝╨╡╨╜╨╕ ╨┤╨╗╤П ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕, ╤В╨░╨║╨╛╨╣ ╨║╨░╨║ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╤П.
╨д╤Г╨╜╨║╤Ж╨╕╤П: ACCRINT(id, fd, sd, rate, par, freq, base, calc)
id: ╤Н╤В╨╛ ╨┤╨░╤В╨░ ╨▓╤Л╨┐╤Г╤Б╨║╨░ ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕.
fd: ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨┤╨░╤В╤Г ╨┐╨╡╤А╨▓╨╛╨│╨╛ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░ ╨┐╨╛ ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╡.
sd: ╤Н╤В╨╛ ╨┤╨░╤В╨░ ╤А╨░╤Б╤З╨╡╤В╨░ ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕.
╤Б╤В╨░╨▓╨║╨░: ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕.
╨╜╨╛╨╝╨╕╨╜╨░╨╗: ╤Н╤В╨╛ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╤Ж╨╡╨╜╨╜╨╛╨╣ ╨▒╤Г╨╝╨░╨│╨╕ ╨╕╨╗╨╕ ╨╡╨╡ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨░╤П ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М.
freq: ╤Н╤В╨╛ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨▓ ╨│╨╛╨┤.
╨╛╤Б╨╜╨╛╨▓╨╡: ╤Н╤В╨╛╤В ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨┐╨░╤А╨░╨╝╨╡╤В╤А ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╤В, ╨║╨░╨║ Excel ╨┐╨╛╨┤╤Б╤З╨╕╤В╤Л╨▓╨░╨╡╤В ╨┤╨╜╨╕ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╤Н╤В╨╛╨╣ ╤Д╤Г╨╜╨║╤Ж╨╕╨╕.
calc: ╤Н╤В╨╛╤В ╨╜╨╡╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨┐╨░╤А╨░╨╝╨╡╤В╤А ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╤В, ╨║╨░╨║ Excel ╨▓╤Л╤З╨╕╤Б╨╗╤П╨╡╤В ╨╝╨╡╤В╨╛╨┤.
╨Я╤А╨╕╨╝╨╡╤А: ╨Ъ╨╛╨╝╨┐╨░╨╜╨╕╤П ╤Е╨╛╤З╨╡╤В ╤А╨░╤Б╤Б╤З╨╕╤В╨░╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨╜╨░╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╨╡ ╨╡╨╣ ╨┐╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨╜╨╛╨╝╨╕╨╜╨░╨╗╤М╨╜╨╛╨╣ ╤Б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М╤О 6000 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓. ╨Ф╨░╤В╨░ ╨▓╤Л╨┤╨░╤З╨╕ 01.05.17. ╨н╤В╨╛ ╨▒╤Л╨╗╨░ ╤В╨░╨║╨╢╨╡ ╨┤╨░╤В╨░ ╨╜╨░╤З╨░╨╗╨░ ╨╕╨╜╤В╨╡╤А╨╡╤Б╨░. ╨Ф╨░╤В╨░ ╨╡╨│╨╛ ╤А╨░╤Б╤З╨╡╤В╨╛╨▓ 01.05.19. ╨Я╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░ ╨┐╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 6%. ╨Я╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨┐╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕ ╨▓╤Л╨┐╨╗╨░╤З╨╕╨▓╨░╤О╤В╤Б╤П ╨╡╨╢╨╡╨║╨▓╨░╤А╤В╨░╨╗╤М╨╜╨╛. ╨С╤Г╤Е╨│╨░╨╗╤В╨╡╤А ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤Д╤Г╨╜╨║╤Ж╨╕╤О =╨Э╨Р╨з╨Ш╨б╨Ы(01.05.17, 01.05.17, 01.05.19, 6%, 6000, 4), ╤З╤В╨╛╨▒╤Л ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В╤М, ╤З╤В╨╛ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П ╨╜╨░╤З╨╕╤Б╨╗╨╕╨╗╨░ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨┐╨╛ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╕.