User Manual

7-8
BAL 0 = PV ( INT 1 = 0 and PRN 1 = PMT ﻂﺴﻘﻟﺍ ﺓﺮﺘﻓ ﺔﻳﺍﺪﺑ ﻲﻓ )
ﺔﻟﺎﻌﻔﻟﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣﻭ ﺔﻴﻤﺳﻻﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ﲔﺑ ﻞﻳﻮﺤﺘﻟﺍ u
( I % ‘)ﺔﻟﺎﻌﻔﻟﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ﻰﻟﺍ (ﻡﺪﺨﺘﺴﳌﺍ ﻞﺒﻗ ﻦﻣ I % ﺔﻤﻴﻗ ﺕﻼﺧﺪﻣ) ﺔﻴﻤﺳﻻﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ﻞﻳﻮﲢ ﻢﺘﻳ
ﺓﺪﺋﺎﻔﻠﻟ ﺔﻴﺑﺎﺴﳊﺍ ﺔﻴﻠﻤﻌﻟﺍ ﺩﺪﻣ ﺩﺪﻋ ﻦﻋ ﺎﻳﻮﻨﺳ ﻁﺎﺴﻗﻷﺍ ﺩﺪﻋ ﻒﻠﺘﺨﺗ ﺚﻴﺣ ﻁﺎﺴﻗﻷﺍ ﺽﻭﺮﻗ ﻰﻠﻋ ﻝﻮﺼﺤﻠﻟ
.ﺔﺒﻛﺮﳌﺍ
ﻡﺍﺪﺨﺘﺳﺍﻭ ، ﺔﻟﺎﻌﻔﻟﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ﻰﻟﺍ ﺔﻴﻤﺳﻻﺍ ﺓﺪﺋﺎﻔﻟﺍ ﻝﺪﻌﻣ ﻞﻳﻮﲢ ﺪﻌﺑ ﺔﻴﻟﺎﺘﻟﺍ ﺔﻴﺑﺎﺴﳊﺍ ﺔﻴﻠﻤﻌﻟﺍ ﺀﺍﺩﺃ ﻢﺘﻳﻭ
.ﺔﻘﺣﻼﻟﺍ ﺔﻴﺑﺎﺴﳊﺍ ﺕﺎﻴﻠﻤﻌﻟﺍ ﻊﻴﻤﳉ ﺞﺋﺎﺘﻨﻟﺍ
.ﻦﻳﺪﻟﺍ ﻙﻼﻬﺘﺳﻻ ﺔﻴﻟﺎﺘﻟﺍ ﺕﻼﺧﺪﳌﺍ ﺔﺷﺎﺷ ﺽﺮﻌﻟ ﺔﻴﻟﺎﳌﺍ 1 ﺔﺷﺎﺸﻟﺍ ﻦﻣ 4(AMT) ﻰﻠﻋ ﻂﻐﺿﺍ
4(AMT)
n ﻲﻟﺍ 1 ﻁﺎﺴﻗﻷﺍ ﻦﻣ ﻝﻭﻻﺍ ﻂﺴﻘﻟﺍ ......PM1
n ﻲﻟﺍ 1 ﻁﺎﺴﻗﻷﺍ ﻦﻣ ﻲﻧﺎﺜﻟﺍ ﻂﺴﻘﻟﺍ ......PM2
ﻁﺎﺴﻗﻷﺍ
........... n
ﺓﺪﺋﺎﻓ ﻝﺪﻌﻣ ......... I %
ﻞﺻﻷﺍ
........ PV
ﻂﺴﻗ ﻞﻛ ﻲﻓ ﻝﺎﳌﺍ ﻊﻓﺩ ..... PMT
ﻲﻟﺎﺘﻟﺍ ﻲﺋﺎﻬﻨﻟﺍ ﻂﺴﻘﻟﺍ ﻦﻣ ﻲﻗﺎﺒﻟﺍ ........ FV
ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﻌﻓﺪﻟﺍ ﺕﺍﺮﺘﻓ ....... P / Y
ﺔﻨﺳ ﻞﻛ ﻲﻓ ﺔﺒﻛﺮﻣ ﺕﺍﺮﺘﻓ ....... C / Y
.ﺔﻘﺑﺎﻄﳌﺍ ﺔﻴﺑﺎﺴﳊﺍ ﺔﻴﻠﻤﻌﻟﺍ ﺀﺍﺮﺟﻹ ﻞﻔﺳﻷﺎﺑ ﺓﺭﻮﻛﺬﳌﺍ ﺔﻔﻴﻇﻮﻟﺍ ﻢﺋﺍﻮﻗ ﻦﻣ ﺓﺪﺣﺍﻭ ﻡﺪﺨﺘﺳﺍ ، ﺕﻼﻣﺎﻌﳌﺍ ﻦﻳﻮﻜﺗ ﺪﻌﺑ
{ PM2 ﻁﺎﺴﻗﻷﺍ ﺪﻌﺑ ﻞﺻﻷﺍ ﻦﻣ ﻲﻗﺎﺒﻟﺍ } … { BAL } •
{ PM1 ﻂﺴﻘﻟﺍ ﻦﻣ ﺓﺪﺋﺎﻔﻟﺍ ﺔﺼﺣ } … { INT } •
{ PM1 ﻂﺴﻘﻟﺍ ﻦﻣ ﻞﺻﻷﺍ ﺔﺼﺣ } … { PRN } •
ﺔﻣﻼﻋ
b : PRN PM1 = PMT + BAL PM1–1 × i
c : BAL
PM2 = BAL PM2–1 + PRN PM2
d :
Σ
PRN = PRN PM1 + PRN PM1+1 + … + PRN PM2
e :
Σ
INT = INT PM1 + INT PM1+1 + … + INT PM2
PM2
PM1
PM2
PM1
I
%' =
I%
(1+ ) –1
[C/Y ]
[P/Y ]
{ }
× 100
100 × [C/Y ]
i = I%'÷100