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42 TVM- und Amortisationsarbeitsblätter
Berechnen von Hypothekenrückzahlungen
Berechnen Sie für ein Kreditvolumen von 120.000 und einen effektiven
Jahreszins von 6,125 % den monatlichen Rückzahlungsbetrag.
Antwort: Der Betrag der monatlichen Rückzahlung, d.h. des Abflusses,
beträgt
729,13.
Erstellen eines Tilgungsplans
Erstellen Sie für die ersten drei Jahre des Kredits einen Tilgungsplan.
Wenn die erste Rückzahlung im April erfolgt, hat das erste Jahr neun
Zahlungsperioden. (In den folgenden Jahren gibt es jeweils
12 Zahlungsperioden.)
Vorgang Drücken Anzeige
Alle Variablen auf
Standardwerte zurücksetzen
& } !
RST 0.00
Auf 12 Zahlungen pro Jahr
einstellen
& [ 12 !
P/Y=
12.00
Zum Standardrechner
modus
zurückkehren
& U
0.00
Anzahl der Zahlungen mit
dem Zahlungsmultiplikator
eingeben
30 & Z ,
N=
360.00
Zinssatz eingeben
6.125 -
I/Y=
6.13
Kred
itbetrag eingeben
120000 .
PV=
120,000.00
Zahlung b
erechnen % /
PMT=
-729.13
*
Vorgang Drücken Anzeige
Amortisationsarbeitsblatt auswählen & \
P1=
aktueller
Wert
Anfangsperiode auf 1 einstellen
1 !
P1= 1.00
Endperiode auf 9 einstellen # 9 !
P2=
9.00
Tilg
ungsdaten des 1. Jahres anzeigen #
#
#
BAL=
PRN=
INT=
118,928.63
*
-1071.37*
-5,490.80*
Anfangsperiode auf 10 ändern #
10 !
P1=
10.00
Endperiode auf 21 ändern #
21 !
P2=
21.00
48


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