Фінансова статистика - Shustikov A.A.

14.2. Redeemable pays with one-time payments

Yakshcho wrestler is guilty of turning in a row of bricks in a wiggly one-time payment, then it is necessary for him to create a fund for extinguishing a warehouse, which hears from the out-of-town visitors to a special raion. Suma vneshkiv і vіdsotkіv guilty dorіvnyuvati sumi burgu on the hour yogo vyplati. If for the positives of a post, you should peri-odichno vyplachuvati vidsochki creditors, vitraty of a souvenir of a warehouse to be deposited from payments from the fund of redemption and visas.

The repayment fund is formed from the out-of-wage payments (on the application, on the special rahunok at the bank), on a certain accentuation. Planuvannya fund redemption - postіynі terminovі (streaming) vyplati. Nekhay accumulated koshtiv zdіysnyuetsya shlychom regular schorichnyh vneskiv, yakі nahahovuyutsya folded vidsocki for the rate і . One-time payment for the payment of taxes, yakі nahachovuyutsya on the burglar for the rate q . At such times terminovova to payment stanovitime:

, Abo ,

De - Termination of payment; D - souma borgu, yaku neobhidno repay through n rock; N - the lines of the pose (number of rock); Q - rate of payments, zgіdno z obyayuyu creditor viplachuyutsya regular dohіd z pozhchki; R - payment, sho redeem, periodichno to be deposited in the bank of the finance fund, for the funds to the fund of repayment.

In the case of treasury funds, redeemable fіguryut dvі rates відсотків - i i q . Persha viznachaє shvidkіst to the growth of sumi to the fund of extinction, to the friend - to the sum for the position of the visas. Zrozumilo, scho otverennya fund okrashennya vigіd borzhnikovi for umovi, if і> q , oskilki vidsoktki on rahunku in the bank accrue shvidsche, nizh on the loan.

Yaksho vidsotki not vypplachuetsya creditors, and priyadzhutsya to the Borg, the terminovaya vypatka zakazdaetsya from one element, scho viznachaetsya for the formula:

.

Roshglyanemo stockpot of the fund is extinguished. Pripustimo, scho credit at rozmіrі 1000 UAH. The boule was cast on 4 rocks, 4% of the riches ( q ). The fund is extinguished to be stitched by the name of the shorthaires of the new ones for the deposit with the bank. Bank nasahovuє 5% річних ( i ). The Fund is to make one o'clock in a timely manner to repay the loan.

Rozglyanemo two options for securing the fund of redemption: 1) viscos for the credit of creditors; 2) viscosities for a loan to be paid for and paid for in a line at the same time as the principal sums of payments to the Borg.

The main parameters of the site are:

D = 1000, i = 0.05, q = 0.04, n = N = 4.

Viznachimo koefіcієnt naschenchennya rentsi .

Щорічні выски боржника become:

G = 1000 • 0.04 + 1000 / 4.3101 = 40 + 232 = 272 UAH.

Otzhe, borzhniku ​​cheorichno neobhіdno 272 UAH., At the number of 40 UAH. On the payment of taxes and 232 UAH. - to repay the principal amount of the loan.

Rik

Sum of payments R

Платіж із відсотками S = R (1 + i ) n

Viscos behind the I = Dq

Termination fee

1

232

268.56

40

272

2

232

255.78

40

272

3

232

243.6

40

272

4

232

232

40

272

999.94

For another, the vipadku terminovy ​​vyplat should be assigned such a rank:

UAH

Якщо q> i , тоді for the vulture of the formation of the fund of extinguishment is unimaginable. In such a variety of viplachuvaty basic soum burgu parts, oskilki with this method is not matimo zbitkiv, yakі vinikayut for rakhunok nizkoy betting vidsotkiv bank on deposits pobivnyano zі stakoyuu, for an ostensibly boolo loan was given.

In the practice of financial planning, redevelopment of the borough is done in parts, with the help of which the following methods can be used:

1) Sposib rivnyh sumus zagushennya main borgo;

2) extinguished by final terminology.

3) extinguished by temporary terminology.