Gebruiksaanwijzing HP 10BII

[. . . ] Economische functies: marge, brutowinst, kosten, prijs (pagina 35) 19. 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Functies met n onbekende. [. . . ] 8 KHEW RS DSULO HHQ SHUVRRQOLMNH SHQVLRHQUHNHQLQJ JHRSHQG HQ GDDU RS JHVWRUW (U ZRUGW DIJHKRXGHQ YDQ XZ ORRQ HQ X ZRUGW WZHH PDDO SHU PDDQG XLWEHWDDOG 2S GH UHNHQLQJ ZRUGW MDDUOLMNV UHQWH EHWDDOG GLH SHU KDOYH PDDQG ZRUGW JHDFFXPXOHHUG +RHYHHO ]DO HU RS DSULO RS GH UHNHQLQJ VWDDQ" FV= ? (Halfmaandelijkse periodes) 1234 I/YR = 6, 3% N = 360 (15 jaar 24 halve maanden) P/YR = 24 . . . 360 PMT = -80, 00 PV = -2. 000, 00 6WHO GH (LQGPRGXV LQ 'UXN RS ByDO V X GH BEGINLQGLFDWRU ]LHW 62 5: "Time Value of Money"-berekeningen "B @ &@P $!F #B G Toetsen: Display: 24, 00 2. 000, 00 80, 00 Beschrijving: 6, 30 360, 00 52. 975, 60 6WHOW KHW DDQWDO SHULRGHV SHU MDDU LQ 6ODDW GH HHUVWH VWRUWLQJ RS 6ODDW GH UHJHOPDWLJH KDOIPDDQGHOLMNVH VWRUWLQJHQ RS 6ODDW GH UHQWHYRHW RS 6ODDW KHW DDQWDO VWRUWLQJHQ RS %HUHNHQW KHW WHJRHG Voorbeeld: Een annuteitenrekening. 1D HHQ VXFFHVYROOH ]DNHQFDUULqUH EHVOXLW X WH JDDQ UHQWHQLHUHQ 8 KHEW JHVSDDUG ZDDURYHU X HHQ JHPLGGHOGH MDDUOLMNVH UHQWH YDQ NULMJW GLH PDDQGHOLMNV ZRUGW VDPHQJHVWHOG +RH JURRW LV KHW EHGUDJ GDW X DDQ KHW HLQG YDQ LHGHUH PDDQG NXQW RSQHPHQ DOV X ZLOW GDW XZ VSDDUUHNHQLQJ X JHGXUHQGH GH YROJHQGH MDDU RQGHUVWHXQW" PMT = ?1 2 . . . I/YR = 7% N = 600 (50 12) P/YR = 12 599 600 FV = 0 PV = -400. 000, 00 Beginmodus 6WHO GH %HJLQPRGXV LQ 'UXN RS ByDO V X GH LQGLFDWRU QLHW ]LHW 5: "Time Value of Money"-berekeningen 63 B "@ %F #B G P Toetsen: Display: 12, 00 400. 000, 00 Beschrijving: 7, 00 600, 00 0, 00 2. 392, 80 6WHOW KHW DDQWDO EHWDOLQ JHQ SHU MDDU LQ 6ODDW XZ DSSHOWMH YRRU GH GRUVW DOV HHQ XLW JDDQGH GHSRVLWR RS 6ODDW GH MDDUOLMNVH UHQW HYRHW RS GLH X GHQNW WH NULMJHQ 6ODDW KHW DDQWDO RSQDPHV RS 6ODDW KHW WHJRHG QD MDDU RS %HUHNHQW KHW EHGUDJ GDW X DDQ KHW EHJLQ YDQ LHGHUH PDDQG NXQW RSQHPHQ Leaseberekeningen (HQ OHDVH LV HHQ OHQLQJ YDQ ZDDUGHYROOH JRHGHUHQ ]RDOV YDVWJRHG DXWRV RI JHUHHGVFKDS JHGXUHQGH HHQ EHSDDOGH WLMG WHJHQ UHJHOPDWLJH EHWDOLQJHQ 6RPPLJH OHDVHFRQWUDFWHQ ZRUGHQ XLWJHVFKUHYHQ DOV NRRSDNWHV PHW HHQ RSWLH RP DDQ KHW HLQGH YDQ GH OHDVHSHULRGH WH NRSHQ VRPV YRRU DPSHU  'H YDVWJHVWHOGH WRHNRPVWLJH ZDDUGH )9 YDQ GH JRHGHUHQ DDQ KHW HLQG YDQ HHQ OHDVH ZRUGW VRPV GH UHVLGXZDDUGH RI XLWNRRSZDDUGH JHQRHPG $OOH YLMI 790WRHSDVVLQJVWRHWVHQ NXQQHQ ELM OHDVHEHUHNHQLQJHQ JHEUXLNW ZRUGHQ (U ]LMQ WZHH DOJHPHHQ YRRUNRPHQGH OHDVHEHUHNHQLQJHQ n +HW EHUHNHQHQ YDQ GH OHDVHEHWDOLQJ RP HHQ EHSDDOGH RSEUHQJVW WH YHUNULMJHQ n +HW EHUHNHQHQ YDQ GH KXLGLJH ZDDUGH JHNDSLWDOLVHHUGH ZDDUGH YDQ HHQ OHDVH 'H HHUVWH EHWDOLQJ YRRU HHQ OHDVH JHEHXUW JHZRRQOLMN DDQ KHW EHJLQ YDQ GH HHUVWH SHULRGH 'DDURP ZRUGW HU ELM GH PHHVWH OHDVHEHUHNHQLQJHQ LQ GH %HJLQPRGXV JHZHUNW 64 5: "Time Value of Money"-berekeningen Voorbeeld: Het berekenen van een leasebetaling. (HQ NODQW ZLO YRRU HHQ DXWR HHQ OHDVHRYHUHHQNRPVW YDQ RYHU GULH MDDU DIVOXLWHQ 'H RYHUHHQNRPVW RPYDW HHQ RSWLH RP GH DXWR DDQ KHW HLQG YDQ GH OHDVHSHULRGH WH NRSHQ WHJHQ 'H HHUVWH PDDQGHOLMNVH EHWDOLQJ LV EHWDDOEDDU RS GH GDJ GDW GH NODQW LQ JHEUXLN QHHPW $OV X HHQ MDDUOLMNVH RSEUHQJVW YDQ PDDQGHOLMNV VDPHQJHVWHOG ZLOW KHEEHQ ZDW ]LMQ GDQ GH EHWDOLQJHQ" %HUHNHQ GH EHWDOLQJ YDQXLW XZ VWDQGSXQW DOV GHDOHU FV = 7. 500, 00 PMT = ?1 2 Door dealer ontvangen geld is positief I/YR = 10% N = 36 P/YR = 12 PV = -13. 500, 00 Beginmodus . . . 35 36 Door dealer uitgegeven geld is negatief 6WHO GH %HJLQPRGXV LQ 'UXN RS B F !#@ %#G !$ P Toetsen: ByDO V X GH LQGLFDWRU QLHW ]LHW Beschrijving: Display: 12, 00 10, 00 13. 500, 00 7. 500, 00 36, 00 253, 99 6WHOW KHW DDQWDO EHWDOLQ JHQ SHU MDDU LQ 6ODDW GH JHZHQVWH MDDU OLMNVH RSEUHQJVW RS 6ODDW GH OHDVH SULMV RS 6ODDW GH UHVLGXZDDUGH XLWNRRSZDDUGH RS 6ODDW GH GXXU YDQ GH OHDVH LQ PDDQGHQ RS %HUHNHQW GH PDDQ GHOLMNVH EHWDOLQJHQ 65 5: "Time Value of Money"-berekeningen 8 ]LHW GDW ]HOIV DOV GH NODQW GH DXWR QLHW ZHQVW WH NRSHQ HU DDQ KHW HLQG YDQ GH OHDVH HHQ FDVKIORZ ELQQHQNRPW GLH JHOLMN LV DDQ GH UHVLGXZDDUGH YDQ GH DXWR 2I GH NODQW GH DXWR QX NRRSW RI GDW GH DXWR RS GH YULMH PDUNW ZRUGW YHUNRFKW GH OHDVHJHYHU YHUZDFKW HHQ RSEUHQJVW YDQ Voorbeeld: Lease met vooruitbetalingen. 8Z EHGULMI . ZLN 7LPPHU ZLO HHQ YRUNKHIWUXFN OHDVHQ YRRU GH RSVODJSODDWV 'H OHDVH ZRUGW RSJHPDDNW YRRU HHQ WHUPLMQ YDQ MDDU PHW PDDQGHOLMNVH EHWDOLQJHQ YDQ %HWDOLQJHQ ZRUGHQ DDQ KHW EHJLQ YDQ GH PDDQG EHWDDOEDDU JHVWHOG HQ GH HHUVWH HQ ODDWVWH EHWDOLQJ PRHWHQ ELM KHW LQJDDQ YDQ GH OHDVH YHUUHNHQG ZRUGHQ 8 KHEW GH RSWLH RP DDQ KHW HLQG YDQ GH OHDVHSHULRGH GH YRUNKHIWUXFN WH NRSHQ WHJHQ $OV GH MDDUOLMNVH UHQWHYRHW YDQ GH OHDVH" LV ZDW LV GDQ GH JHNDSLWDOLVHHUGH ZDDUGH Beginmodus PV = ?I/YR = 9% N = 48 P/YR = 12 1 2 3 4 . . . 44 45 46 47 48 PMT = -2. 400, 00 (48ste betaling vooruit) FV = -15. 000, 00 'H]H EHUHNHQLQJ ZRUGW LQ YLHU VWDSSHQ RSJHORVW %HUHNHQ GH KXLGLJH ZDDUGH YDQ GH PDDQGHOLMNVH DIEHWDOLQJHQ  7HO GDDUELM GH ZDDUGH YDQ GH H[WUD YRRUXLWEHWDOLQJ RS %HUHNHQ GH KXLGLJH ZDDUGH YDQ GH NRRSRSWLH 7HO GH ZDDUGHQ XLW SXQW HQ ELM HONDDU RS 66 5: "Time Value of Money"-berekeningen Punt 1 %HUHNHQ GH KXLGLJH ZDDUGH YDQ GH PDDQGHOLMNVH DIEHWDOLQJHQ 6WHO GH %HJLQPRGXV LQ 'UXN RS B "% "@P G 'F Toetsen: ByDO V X GH LQGLFDWRU QLHW ]LHW Beschrijving: Display: 12, 00 47, 00 2. 400, 00 0, 00 9, 00 95. 477, 55 6WHOW KHW DDQWDO EHWDOLQ JHQ SHU MDDU LQ 6ODDW KHW DDQWDO EHWDOLQJHQ RS 6ODDW GH PDDQGHOLMNVH EHWDOLQJ RS 6ODDW )9 YRRU SXQW RS 6ODDW GH UHQWHYRHW RS %HUHNHQW GH KXLGLJH ZDDUGH YDQ GH PDDQGHOLMNVH EHWDOLQ JHQ Punt 2. 7HO GH H[WUD YRRUXLWEHWDOLQJ ELM 39 RS 6OD KHW UHVXOWDDW RS 97. 877, 55 97. 877, 55 (P@1 7HOW GH H[WUD YRRUXLWEH WDOLQJ RS 6ODDW KHW UHVXOWDDW LQ KHW 0UHJLVWHU RS Punt 3. %HUHNHQ GH KXLGLJH ZDDUGH YDQ GH NRRSRSWLH 48, 00 "& P #@G 0, 00 15. 000, 00 10. 479, 21 6ODDW GH PDDQG RS ZDQQHHU GH NRRSRSWLH ZRUGW XLWJHYRHUG 6ODDW HHQ EHWDOLQJ YDQ QXO RS YRRU GLW SXQW YDQ GH RSORVVLQJ 6ODDW GH ZDDUGH RS GLH YHUGLVFRQWHHUG PRHW ZRUGHQ %HUHNHQW GH KXLGLJH ZDDUGH YDQ GH ODDWVWH FDVKIORZ 67 5: "Time Value of Money"-berekeningen Punt 4. 7HO GH UHVXOWDWHQ YDQ SXQW HQ ELM HONDDU RS 1 Toetsen: Display: 108. 356, 77 Beschrijving: %HUHNHQW GH KXLGLJH JHNDSLWDOLVHHUGH ZDDUGH YDQ GH OHDVH $IURQGLQJVYHUVFKLOOHQ ZRUGHQ RS SDJLQD YHUNODDUG Amortisatie $PRUWLVDWLH LV KHW YHUGHOHQ YDQ KHW EHGUDJ YDQ HHQ EHWDOLQJ LQ HHQ JHGHHOWH GDW EHWUHNNLQJ KHHIW RS GH UHQWH HQ HHQ JHGHHOWH GDW EHWUHNNLQJ KHHIW RS GH KRRIGVRP %HWDOLQJHQ DDQ KHW EHJLQ YDQ GH OHQLQJ EHVWDDQ XLW HHQ JURWHU GHHO DDQ UHQWH HQ XLW HHQ NOHLQHU GHHO DDQ GH KRRIGVRP GDQ EHWDOLQJHQ DDQ KHW HLQG YDQ HHQ OHQLQJ BETALING HOOFDSOM RENTE TIJD 68 5: "Time Value of Money"-berekeningen 0HW GH RHWV YDQ GH +3 %, , NXQW X KHW YROJHQGH EHUHNHQHQ n +HW EHGUDJ GDW LQ HHQ UHHNV EHWDOLQJHQ EHWUHNNLQJ KHHIW RS GH UHQWH n +HW EHGUDJ GDW LQ HHQ UHHNV EHWDOLQJHQ EHWUHNNLQJ KHHIW RS GH KRRIGVRP n +HW VDOGR YDQ GH OHQLQJ QD HHQ EHSDDOG DDQWDO EHWDOLQJHQ LH JDDW HUYDQ XLW GDW X ]RMXLVW HHQ EHWDOLQJ KHEW EHUHNHQG 'H RI GDW X GH EHWUHIIHQGH DPRUWLVDWLHZDDUGHQ LQ , <5 39 )9 307 HQ 3 <5 KHEW RSJHVODJHQ -DDUOLMNVH QRPLQDOH UHQWHYRHW %HJLQVDOGR (LQGVDOGR %HWDOLQJVEHGUDJ DIJHURQG RS KHW GLVSOD\IRUPDDW $DQWDO EHWDOLQJHQ SHU MDDU 'H JHWDOOHQ GLH 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