HP 12C, Руководство пользователя

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256 Appendix E: Formulas Used
File name: HP 12c Pt Converted_user's guide_English_HDP0F123E02_080207 Page: 276 of 281
Printed Date: { 2007/8/2Dimension: 14.8 cm x 21 cm
Compound Interest
Without an odd period:
n
n
i FV
i
i
PMT iS PV
−
−
+ +
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+ −
⋅ ⋅ + + =
) 1 (
) 1 ( 1
) 1 ( 0
With simple interest used for an odd period:
) ( INTG
) INTG(
) 1 (
) 1 ( 1
) 1 ( ]) FRAC( 1 [ 0
n
n
i FV
i
i
PMT iS n i PV
−
−
+
+
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+ −
+ + + =
With compound interest used for an odd period:
) ( INTG
) INTG(
) FRAC(
) 1 (
) 1 ( 1
) 1 ( ) 1 ( 0
n
n
n
i FV
i
i
PMT iS i PV
−
−
+
+
⎥
⎥
⎦
⎤
⎢
⎢
⎣
⎡
+ −
+ + + =
Amortization
n = number of payment periods to be amortized.
INT
j
= amount of PMT applied to interest in period j .
PRN
j
= amount of PMT applied to principal in period j .
PV
j
= present value (balance) of loan after payment in period j .
j = period number.
INT
1
= {0 if n = 0 and payment mode is set to Begin.
| PV
0
× i |
RND
(sign of PMT )
PRN
1
= PMT – INT
1
PV
1
= PV
0
+ PRN
1
INT
j
= | PV
j – 1
× i |
RND
× (sign of PMT ) for j > 1.
PRN
j
= PMT – INT
j
PV
j
= PV
j –1
+ PRN
j
∑ ∑
=
+ + + = =
n
n j
INT INT INT INT INT
1 j
2 1
...
∑ ∑
=
+ + + = =
n
n j
PRN PRN PRN PRN PRN
1 j
2
1
...
∑
+ =
PRN PV PV
n
0