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8 Table des matières
File name: hp 12c_user's guide_Canada French_HDPMBF12130 Page: 8 of 217
Printed Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
Section 11: Programmes multiples................................. 122
Enregistrement d’un autre programme .......................................... 122
Lancement d’un autre programme................................................ 124
Partie III. Solutions ................................................ 127
Section 12: Immobilier et prêts...................................... 128
Calcul d’un taux annuel en pourcentage avec frais ........................ 128
Prix de rachat d’un prêt avec remise ou pénalités .......................... 130
Rendement d’un prêt racheté avec remise ou pénalités................... 131
Choix entre location et achat ...................................................... 133
Report de mensualités ................................................................ 138
Section 13: Analyse d’investissement............................. 140
Amortissement en année incomplète ............................................ 140
Amortissement linéaire......................................................... 140
Amortissement dégressif ...................................................... 143
Amortissement proportionnel à ordre numérique inversé des années
(Sum-of-the-Years-Digits) ....................................................... 146
Amortissement en années complètes et incomplètes et changement de
méthode................................................................................... 148
Amortissement exceptionnel ........................................................ 152
Taux de rentabilité interne modif ............................................... 153
Section 14: Location financière...................................... 155
Paiements anticipés.................................................................... 155
Calcul du paiement............................................................. 155
Calcul du taux.................................................................... 157
Paiements anticipés avec valeur résiduelle .................................... 160
Calcul du paiement............................................................. 160
Calcul du rendement ........................................................... 162
Section 15: Épargne..................................................... 163
Conversion de taux nominal en taux effectif .................................. 163
Conversion de taux effectif en taux nominal .................................. 164
Conversion de taux nominal en taux effectif continu ....................... 165
Section 16: Obligations................................................ 166
Obligations sur base 30/360 jours ............................................. 166
Obligations à coupon annuel...................................................... 169
8


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