Rahandusfunktsioonid, 2. osa
Tagasi rahandusfunktsioonide 1. osa juurde
Edasi rahandusfunktsioonide 3. osa juurde
CUMPRINC_ADD
Calculates the cumulative redemption of a loan in a period.
The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.
CUMPRINC_ADD(intressimÀÀr; NPer; PV; algusperiood; lĂ”pp-periood; tĂŒĂŒp)
IntressimÀÀr on perioodide intressimÀÀr.
NPer is the total number of payment periods. The rate and NPER must refer to the same unit, and thus both be calculated annually or monthly.
PV on nĂŒĂŒdisvÀÀrtus.
StartPeriod is the first payment period for the calculation.
LÔpp-periood on viimane makseperiood.
Type is the maturity of a payment at the end of each period (Type = 0) or at the start of the period (Type = 1).
The following mortgage loan is taken out on a house:
Rate: 9.00 per cent per annum (9% / 12 = 0.0075), Duration: 30 years (payment periods = 30 * 12 = 360), NPV: 125000 currency units.
How much will you repay in the second year of the mortgage (thus from periods 13 to 24)?
CUMPRINC_ADD(0,0075;360;125000;13;24;0) tagastab -934,1071
In the first month you will be repaying the following amount:
CUMPRINC_ADD(0,0075;360;125000;1;1;0) tagastab -68,27827
YIELDDISC
Arvutab intressi mittekandva vÀÀrtpaberi aastase tulususe.
YIELDDISC(arvelduspÀev; tÀhtaeg; hind; tagatis; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Price is the price (purchase price) of the security per 100 currency units of par value.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
A non-interest-bearing security is purchased on 1999-02-15. It matures on 1999-03-01. The price is 99.795 currency units per 100 units of par value, the redemption value is 100 units. The basis is 2. How high is the yield?
=YIELDDISC("1999-02-15"; "1999-03-01"; 99.795; 100; 2) returns 0.052823 or 5.2823 per cent.
TBILLYIELD
Arvutab obligatsiooni tulususe.
TBILLYIELD(arvelduspÀev; tÀhtaeg; hind)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Hind on vĂ”lakirja ostuhind 100 nimivÀÀrtuse rahaĂŒhiku kohta.
ArvelduspĂ€ev: 31. mĂ€rts 1999, tĂ€htaeg: 1. juuni 1999, hind: 98,45 rahaĂŒhikut.
VÀÀrtpaberi tulusus arvutatakse jÀrgnevalt:
=TBILLYIELD("1999-03-31";"1999-06-01"; 98.45) returns 0.091417 or 9.1417 per cent.
CUMIPMT_ADD
Arvutab perioodi akumuleeritud intressi.
The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.
CUMIPMT_ADD(intressimÀÀr; NPer; PV; algusperiood; lĂ”pp-periood; tĂŒĂŒp)
IntressimÀÀr on perioodide intressimÀÀr.
NPer is the total number of payment periods. The rate and NPER must refer to the same unit, and thus both be calculated annually or monthly.
PV on nĂŒĂŒdisvÀÀrtus.
StartPeriod is the first payment period for the calculation.
LÔpp-periood on viimane makseperiood.
Type is the maturity of a payment at the end of each period (Type = 0) or at the start of the period (Type = 1).
The following mortgage loan is taken out on a house:
Rate: 9.00 per cent per annum (9% / 12 = 0.0075), Duration: 30 years (NPER = 30 * 12 = 360), Pv: 125000 currency units.
How much interest must you pay in the second year of the mortgage (thus from periods 13 to 24)?
=CUMIPMT_ADD(0,0075;360;125000;13;24;0) tagastab -11135,23.
Kui palju intressi pead sa maksma esimesel kuul?
=CUMIPMT_ADD(0,0075;360;125000;1;1;0) tagastab -937,50.
TBILLPRICE
Arvutab vÀÀrtpaberi hinna 100 rahaĂŒhiku kohta.
TBILLPRICE(arvelduspÀev; tÀhtaeg; hind)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Diskonto on diskontomÀÀr protsentides vÀÀrtpaberi soetamisel.
ArvelduspÀev: 31. mÀrts 1999, tÀhtaeg: 1. juuni 1999, diskontomÀÀr: 9,14 protsenti.
VÀÀrtpaberi hind arvutatakse jÀrgnevalt:
=TBILLPRICE("1999-03-31";"1999-06-01"; 0.09) returns 98.45.
YIELD
Arvutab vÀÀrtpaberi tulususe.
YIELD(arvelduspÀev; tÀhtaeg; intressimÀÀr; hind; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
IntressimÀÀr on aastane intressimÀÀr.
Price is the price (purchase price) of the security per 100 currency units of par value.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 15.02.1999, tĂ€htaeg on 15.11.2007. IntressimÀÀr on 5,75%. Tulusus on 9.0%. Hind on 95,04287 rahaĂŒhikut 100 nimivÀÀrtuse ĂŒhiku kohta. Intresse makstakse kord poolaasta jooksul (sagedus on 2) ja alus on 0. Kui kĂ”rge on tulusus?
=YIELD("1999-02-15"; "2007-11-15"; 0.0575 ;95.04287; 100; 2; 0) returns 0.065 or 6.50 per cent.
NOMINAL_ADD
Calculates the annual nominal rate of interest on the basis of the effective rate and the number of interest payments per annum.
The functions whose names end with _ADD or _EXCEL2003 return the same results as the corresponding Microsoft Excel 2003 functions without the suffix. Use the functions without suffix to get results based on international standards.
NOMINAL_ADD(efektiivmÀÀr; NPerA)
EfektiivmÀÀr on tegelik intressimÀÀr.
NPerA on intressimaksete arv aastas.
What is the nominal rate of interest for a 5.3543% effective rate of interest and quarterly payment.
=NOMINAL_ADD(5,3543%;4) tagastab 0,0525 vÔi 5,25%.
TBILLEQ
Calculates the annual return on a treasury bill. A treasury bill is purchased on the settlement date and sold at the full par value on the maturity date, that must fall within the same year. A discount is deducted from the purchase price.
TBILLEQ(arvelduspÀev; tÀhtaeg; diskonto)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Discount is the percentage discount on acquisition of the security.
ArvelduspÀev: 31. mÀrts 1999, tÀhtaeg: 1. juuni 1999, diskontomÀÀr: 9,14 protsenti.
The return on the treasury bill corresponding to a security is worked out as follows:
=TBILLEQ("1999-03-31";"1999-06-01"; 0.0914) returns 0.094151 or 9.4151 per cent.
YIELDMAT
Calculates the annual yield of a security, the interest of which is paid on the date of maturity.
YIELDMAT(arvelduspÀev; tÀhtaeg; emissioon; intressimÀÀr; hind; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Emissioon on vÀÀrtpaberi vÀljaandmise kuupÀev.
IntressimÀÀr on vÀÀrtpaberi intressimÀÀr emissiooni kuupÀeval.
Price is the price (purchase price) of the security per 100 currency units of par value.
VÀÀrtpaber soetati 15.03.1999 ja selle tĂ€htaeg on 03.11.1999. Emissiooni kuupĂ€ev oli 08.11.1998. IntressimÀÀr on 6,25%, hind 100,0123 ĂŒhikut. Alus on 0. Kui suur on tulusus?
=YIELDMAT("1999-03-15"; "1999-11-03"; "1998-11-08"; 0.0625; 100.0123; 0) returns 0.060954 or 6.0954 per cent.
CUMIPMT
Calculates the cumulative interest payments, that is, the total interest, for an investment based on a constant interest rate.
CUMIPMT(intressimÀÀr; NPer; PV; S; E; tĂŒĂŒp)
Rate is the periodic interest rate.
NPer is the payment period with the total number of periods. NPER can also be a non-integer value.
PV on nĂŒĂŒdisvÀÀrtus maksete jadas.
S on esimene periood.
E on viimane periood.
TĂŒĂŒp tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu.
What are the interest payments at a yearly interest rate of 5.5 %, a payment period of monthly payments for 2 years and a current cash value of 5,000 currency units? The start period is the 4th and the end period is the 6th period. The payment is due at the beginning of each period.
=CUMIPMT(5.5%/12;24;5000;4;6;1) = -57.54 currency units. The interest payments for between the 4th and 6th period are 57.54 currency units.
PRICE
Calculates the market value of a fixed interest security with a par value of 100 currency units as a function of the forecast yield.
PRICE(arvelduspÀev; tÀhtaeg; intressimÀÀr; tulusus; tagatis; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Rate is the annual nominal rate of interest (coupon interest rate)
Tulusus on vÀÀrtpaberi aastane tulusus.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 15.02.1999, tĂ€htaeg on 15.11.2007. IntressimÀÀra nimivÀÀrtus on 5,75%. Tulusus on 6,5%. TagatisvÀÀrtus on 100 rahaĂŒhikut. Intressi makstakse kord poolaastas (sagedus on 2). Kui arvutamise alus on 0, on hind jĂ€rgmine:
=PRICE("1999-02-15"; "2007-11-15"; 0.0575; 0.065; 100; 2; 0) returns 95.04287.
MDURATION
Calculates the modified Macauley duration of a fixed interest security in years.
MDURATION(arvelduspÀev; tÀhtaeg; kupongimÀÀr; tulusus; sagedus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
KupongimÀÀr on aastase intressimÀÀra nimivÀÀrtus (kupongimÀÀr)
Tulusus on vÀÀrtpaberi aastane tulusus.
Sagedus on intressimaksete arv aastas (1, 2 vÔi 4).
VÀÀrtpaber soetati 1.1.2001, tÀhtaeg on 1.1.2006. IntressimÀÀra nimivÀÀrtus on 8%. Tulusus on 9.0%. Intresse makstakse kord poolaasta jooksul (sagedus on 2). Kui pikk on modifitseeritud kestus, kui intressi arvutamisel on aluseks pÀevane bilanss (alus on 3)?
=MDURATION("2001-01-01"; "2006-01-01"; 0.08; 0.09; 2; 3) returns 4.02 years.
MIRR
Calculates the modified internal rate of return of a series of investments.
MIRR(Values; Investment; ReinvestRate)
Values corresponds to the array or the cell reference for cells whose content corresponds to the payments.
Investment is the rate of interest of the investments (the negative values of the array)
ReinvestRate:the rate of interest of the reinvestment (the positive values of the array)
Assuming a cell content of A1 = -5, A2 = 10, A3 = 15, and A4 = 8, and an investment value of 0.5 and a reinvestment value of 0.1, the result is 94.16%.
PDURATION
Calculates the number of periods required by an investment to attain the desired value.
PDURATION(Rate; PV; FV)
Rate is a constant. The interest rate is to be calculated for the entire duration (duration period). The interest rate per period is calculated by dividing the interest rate by the calculated duration. The internal rate for an annuity is to be entered as Rate/12.
PV is the present (current) value. The cash value is the deposit of cash or the current cash value of an allowance in kind. As a deposit value a positive value must be entered; the deposit must not be 0 or <0.
FV is the expected value. The future value determines the desired (future) value of the deposit.
Kui intressimÀÀr on 4,75%, nĂŒĂŒdisvÀÀrtus 25 000 rahaĂŒhikut ja tulevikuvÀÀrtus 1 000 000 rahaĂŒhikut, tagastatakse kestusena 79,49 makseperioodi. Perioodimakse on tulevikuvÀÀrtuse ja kestuse jagatis ehk kĂ€esoleval juhul 1 000 000/79,49=12 850,20.
PRICEDISC
Calculates the price per 100 currency units of par value of a non-interest- bearing security.
PRICEDISC(arvelduspÀev; tÀhtaeg; diskonto; tagatis; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Diskonto on diskontomÀÀr protsentides vÀÀrtpaberi soetamisel.
Tagatis on tagatisvÀÀrtus 100 nimivÀÀrtuse ĂŒhiku kohta.
VÀÀrtpaber on soetatud 15.02.1999, tÀhtaeg on 01.03.1999. DiskontomÀÀr on 5,25%. TagatisvÀÀrtus on 100. Kui arvutuse aluseks on 2, on hinna diskonto jÀrgmine:
=PRICEDISC("1999-02-15"; "1999-03-01"; 0.0525; 100; 2) returns 99.79583.
PRICEMAT
Calculates the price per 100 currency units of par value of a security, that pays interest on the maturity date.
PRICEMAT(arvelduspÀev; tÀhtaeg; emissioon; intressimÀÀr; tulusus; alus)
Settlement is the date of purchase of the security.
TÀhtaeg on vÀÀrtpaberi aegumise kuupÀev.
Emissioon on vÀÀrtpaberi vÀljaandmise kuupÀev.
IntressimÀÀr on vÀÀrtpaberi intressimÀÀr emissiooni kuupÀeval.
Tulusus on vÀÀrtpaberi aastane tulusus.
Settlement date: February 15 1999, maturity date: April 13 1999, issue date: November 11 1998. Interest rate: 6.1 per cent, yield: 6.1 per cent, basis: 30/360 = 0.
Hind arvutatakse jÀrgnevalt:
=PRICEMAT("1999-02-15";"1999-04-13";"1998-11-11"; 0.061; 0.061;0) returns 99.98449888.
NOMINAL
Calculates the yearly nominal interest rate, given the effective rate and the number of compounding periods per year.
NOMINAL(efektiivmÀÀr; NPerA)
EfektiivmÀÀr on tegelik intressimÀÀr.
NPerA on regulaarsete intressimaksete arv aastas.
What is the nominal interest per year for an effective interest rate of 13.5% if twelve payments are made per year.
=NOMINAL(13,5%;12) = 12,73%. IntressimÀÀra nimivÀÀrtus aasta kohta on 12,73%.
DOLLARDE
Converts a quotation that has been given as a decimal fraction into a decimal number.
DOLLARDE(FractionalDollar; Fraction)
FractionalDollar is a number given as a decimal fraction.
Fraction is a whole number that is used as the denominator of the decimal fraction.
=DOLLARDE(1.02;16) stands for 1 and 2/16. This returns 1.125.
=DOLLARDE(1.1;8) stands for 1 and 1/8. This returns 1.125.
DOLLARFR
Converts a quotation that has been given as a decimal number into a mixed decimal fraction.
DOLLARFR(DecimalDollar; Fraction)
DecimalDollar is a decimal number.
Fraction is a whole number that is used as the denominator of the decimal fraction.
=DOLLARFR(1.125;16) converts into sixteenths. The result is 1.02 for 1 plus 2/16.
=DOLLARFR(1.125;8) converts into eighths. The result is 1.1 for 1 plus 1/8.
PPMT
Returns for a given period the payment on the principal for an investment that is based on periodic and constant payments and a constant interest rate.
PPMT(intressimÀÀr; periood; NPer; PV; FV; tĂŒĂŒp)
Rate is the periodic interest rate.
Periood mÀÀratleb perioodi, mille jaoks amortisatsiooni arvutatakse. Esimene periood on 1 ja viimane NPer.
NPer on perioodide koguarv, mille jooksul annuiteeti makstakse.
PV on makse nĂŒĂŒdisvÀÀrtus maksete jadas.
FV (mittekohustuslik) on soovitud tulevikuvÀÀrtus.
TĂŒĂŒp (mittekohustuslik) tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu.
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
How high is the periodic monthly payment at an annual interest rate of 8.75% over a period of 3 years? The cash value is 5,000 currency units and is always paid at the beginning of a period. The future value is 8,000 currency units.
=PPMT(8.75%/12;1;36;5000;8000;1) = -350,99 rahaĂŒhikut.
CUMPRINC
Returns the cumulative interest paid for an investment period with a constant interest rate.
CUMPRINC(intressimÀÀr; NPer; PV; S; E; tĂŒĂŒp)
Rate is the periodic interest rate.
NPer is the payment period with the total number of periods. NPER can also be a non-integer value.
PV on nĂŒĂŒdisvÀÀrtus maksete jadas.
S on esimene periood.
E on viimane periood.
TĂŒĂŒp tĂ€histab makse sooritamise aega, kas perioodi algust vĂ”i lĂ”ppu.
What are the payoff amounts if the yearly interest rate is 5.5% for 36 months? The cash value is 15,000 currency units. The payoff amount is calculated between the 10th and 18th period. The due date is at the end of the period.
=CUMPRINC(5,5%/12;36;15000;10;18;0) = -3669,74 rahaĂŒhikut. Maksete summa 10. kuni 18. perioodini on 3669,74 rahaĂŒhikut.
NPV
Returns the present value of an investment based on a series of periodic cash flows and a discount rate. To get the net present value, subtract the cost of the project (the initial cash flow at time zero) from the returned value.
If the payments take place at irregular intervals, use the XNPV function.
NPV(Rate; Value1; Value2; ...; Value30)
MÀÀr on perioodi diskontomÀÀr.
Value1, Value2, ..., Value30 are up to 30 values, which represent deposits or withdrawals.
What is the net present value of periodic payments of 10, 20 and 30 currency units with a discount rate of 8.75%. At time zero the costs were paid as -40 currency units.
=NPV(8.75%;10;20;30) = 49.43 currency units. The net present value is the returned value minus the initial costs of 40 currency units, therefore 9.43 currency units.
SLN
Returns the straight-line depreciation of an asset for one period. The amount of the depreciation is constant during the depreciation period.
SLN(maksumus; jÀÀkvÀÀrtus; eluiga)
Maksumus on pÔhivahendi soetusmaksumus.
JÀÀkvÀÀrtus on pÔhivahendi vÀÀrtus pÀrast tema eluea lÔppu.
Eluiga on amortisatsiooniperiood, mis mÀÀrab pÔhivahendi kulumi arvutamise perioodide arvu.
Office equipment with an initial cost of 50,000 currency units is to be depreciated over 7 years. The value at the end of the depreciation is to be 3,500 currency units.
=SLN(50000;3,500;84) = 553,57 rahaĂŒhikut. BĂŒroosisustuse igakuine kulum on 553,57 rahaĂŒhikut.
PMT
Tagastab annuiteedi perioodilise makse konstantse intressimÀÀra puhul.
PMT(intressimÀÀr; NPer; PV; FV; tĂŒĂŒp)
Rate is the periodic interest rate.
NPer on perioodide koguarv, mille jooksul annuiteeti makstakse.
PV on makse nĂŒĂŒdisvÀÀrtus (rahaline vÀÀrtus) maksete jadas.
FV (mittekohustuslik) on soovitud vÀÀrtus (tulevikuvÀÀrtus) pÀrast viimase regulaarse makse tegemist.
TĂŒĂŒp (mittekohustuslik) tĂ€histab makse sooritamise aega. TĂŒĂŒp = 1 tĂ€hendab, et makse tehakse perioodi alguses, ja tĂŒĂŒp = 0 (vaikevÀÀrtus), et makse tehakse perioodi lĂ”pus.
LibreOffice Calci funktsioonides vĂ”ib argumendi, mis on mĂ€rgitud kui "mittekohustuslik", jĂ€tta Ă€ra ainult siis, kui talle ei jĂ€rgne enam teisi argumente. NĂ€iteks, kui nelja argumendiga funktsiooni kaks viimast argumenti omavad mĂ€rget "mittekohustuslik", vĂ”ib Ă€ra jĂ€tta argumendi 4 vĂ”i argumendid 3 ja 4, kuid mitte argumenti 3 ĂŒksinda.
What are the periodic payments at a yearly interest rate of 1.99% if the payment time is 3 years and the cash value is 25,000 currency units. There are 36 months as 36 payment periods, and the interest rate per payment period is 1.99%/12.
=PMT(1,99%/12;36;25000) = -715,96 rahaĂŒhikut. Perioodiline kuumakse on seega 715,96 rahaĂŒhikut.