Spreadsheet Mazano Ekuverenga Mazano (Excel nevamwe)

Murairo weMutero weNheyo yeMari neExcel, OpenOffice, kana Google Sheets

Mapapanethi ane zvishandiso zvine simba zvinokubatsira kunzwisisa kuti chikwereti chinoshanda sei. Vanoita kuti zvive nyore kuona tsanangudzo dzinokosha pamusoro pemari yako, uye kuverenga kune zvishoma kana zvishoma. Iwe unogona kushandisa kunyange ma-pre-built loan amortization templates anokubvumira kuti uongopinda zvishoma nezvemari yako.

Maparadhesi anowanikwa kubva kune vanoverengeka vanowanzozivikanwa, uye mirayiridzo iri papeji ino inoshanda neipi yeiyi inotevera (pakati pevamwe):

• Microsoft Excel
• Google Sheetsiti
• OpenOffice

DIY vs. Zviratidziro zveKatatorator

Isu tinotsanangura kuti ungavaka sei spreadsheet kubva pakutanga peji ino, uye iwe unogona kushandisa mirayiridzo iyi nekugadzirisa zvishoma pane mamwe mapurogiramu epurogiramu. Asi hapana chikonzero chokuzviita iwe pachako - kunze kwekuti iwe unoda chaizvo. Matura anokubvumira kuti uvhare mune zvishoma zvishoma nezvekwereti yako uye uite nayo, uye avo vanofanirwa kuvaka ma templates zviri nyore kushandisa.

Kuti ushandise template yembairo muExcel, vhura template pakombiyuta yako (download template kana zvichidikanwa):

1. Dzvanya Faira , uye sarudza Nyaya kuruboshwe
2. Uchaona runyora rwema template
3. Tarisa kuburikidza nema templates (pasi peSample Templates) kana tsvaga Office.com
4. Bhinda kaviri "Imari Amortization" template

Imwe nzira nzira yekuwana nayo chikwereti chemari chikwereti:

1. Kanda-kanda pane tab yemashizha pasi ('Sheet1, Sheet2, nezvimwe')
2. Sarudza Inshu ...
3. Sarudza Spreadsheet Mhinduro kubva mumapop-up menu

1. Bhinda kaviri 'Sarudzo yeMari' sarudzo

Kana uchinge uri mu template, uzadza ruzivo rwakabatana nemutero wako:

1. Mari yechiyero: Isa mari yauri kukwereta.
2. Mutengo wepabhadharo wegore negore: Shandisa chikwereti chechikwereti pane chikwereti chako (iwe unogona kushandisa APR kana imwe yeruzhinji, kana iripo). Iwe haufaniri kunge uchida kutendeuka kusvika pakugadzirisa mafashoni, asi iva nechokwadi chokuti muzinga unoratidzwa zvakanaka.

1. Nhamba yekubhadharwa gore: Unowanzobhadhara kakawanda sei? Pamusoro pemaripo yemwedzi, pinda 12.
2. Kutanga zuva rekukweretesa: Izvi zvingava zvinobatsira pakugadzirira, asi hazvina kukosha kuti zviverengi zvivepo.
3. Sarudzo yepamusoro yekubhadhara: Kana iwe uchizobhadhara zvimwe - kana iwe uchida kuziva kuti zvingabatsira sei kubhadhara zvakare - shandisa iyi munda. Ngwarira kuti iwe unoponesa zvakadini pakuwedzera kwechido, uye kuti chikwereti chinowanikwa sei zvakakurumidza kana iwe uchibhadhara zvimwe.

Nzira Yokuvakira Izvo Excel Mari Mienzaniso

Kuzviita iwe pachako kunotora nguva yakawanda, asi iwe uchakudziridza ruzivo rwezvemari uye unyanzvi hwepadheseti haukwanisi kuwana kubva ku template. Kunyanya iwe unogona kuchinja pamoyo wehupenyu hwako. Izvozvo zvakati, mushure mekunge maita izvi zvishoma, unogona kuzviwana nekukurumidza kushandisa template kuti utange matanho , zvino "usadzivirira" template uye ita yako kuchinja.

Ngatiti iwe unoda mufananidzo unokuratidza iwe wega wega kana wekubhadhara pamwedzi. Tanga pamusara wepamusoro pepasitete yako uye wobva uwedzera zvikamu zvinotevera (kwaunopinda ruzivo pamusoro pemari yako):

• Mari yechiyero
• Chirwere chechido (dzidza kuti ungashandura sei mapeji uye zvipimo zvezviyero izvi)
• Nhamba yenguva (kana kuti nguva yekukwereta )

Ipa masero aya ruvara ruvara ruzere, izvo zvinokuudza kuti iwe unogona kuchinja maitiro apo uchienzanisa zvikwereti uye unomhanya-chii kana zviitiko.

Iye zvino wakagadzirira kuita deta yako yedhafura. Ita mutsara neiyo ma column mazita:

• Period number
• Kutanga chikwereti chemari
• Payment
• Mari inoshandiswa kune vanofarira
• Mari inoshandiswa kune mukuru
• Kurambira muchikwereti chemari

Kana uchida, iwe unogonawo kuwedzera mitsara yakawedzerwa (yakadai sekuwedzera kwekuda kubhadhara, somuenzaniso).

Zvadaro, unoda mutsara webhadharo rimwe nerimwe sechikamu chetafura yako yedhadha. Muchikamu chekurudyi kuruboshwe chepadheseti yako (pasi pemutsetse wako we "Period" wakarondedzerwa pamusoro), isa nhamba imwe pamutsara mumwe nomumwe: Mutsara wokutanga u "1," uye enda kumuganhu we "2," nezvimwe zvakadaro. Mutsara mumwe nomumwe ihomwe imwe. Kwekwereti yemakore makumi matatu nemakumi matatu, iwe unenge uine masereji 360 pamwedzi - nokuda kwenhamba huru yakaita seyo nyore nyore kuzadza nguva shoma shoma uye kushandisa Excel "kuzadza" kuti uzadze mitsetse yose yasara.

Iye zvino, ivai neCexcel muzadze uye kuverenga maitiro enyu.

Yeuka kushandisa "$" apo iwe uchitaura kune chero mutsara wezita mumatara ako kunze kwePeriod - zvisinei, Excel ichaona mutsara usina kururama.

1. Shandisa basa re PMT kuverenga kubhadhara kwako kwedzimwe mwedzi (uchishandisa ruzivo mu "nzvimbo yako yekupinza") - mubhadharo uyu kazhinji hauchinji pane hupenyu hwechikwereti.
2. Shandisai IPMT basa kuratidza mutengo webhadharo rimwe nerimwe rinoenda kune unofarira.
3. Bvisa chikwereti chaunofarira kubva mubhadharo rose kuti uverenge kuti chikwereti chawabhadhara mumwedzi iwoyo.
4. Bvisa mutungamiriri wamunobhadhara kubva pachikwereti chako chekukweretesa kuti usvike pakero rako rekukwereta.
5. Dzokorora nguva imwe neimwe (kana mwedzi).

Cherechedza kuti mushure mutsara wokutanga wefurafura yako yedhadha, iwe uchataura kumutsara wekare kuti utore chikwereti chako.

Kuti uone muenzaniso wekuti mathemoni anoshanda sei uye kuti tafura yako ingangotarisa sei, pfuurira kusvika pasi pePamiti yedu yekuverenga Peji .

Kana chikwereti chako chichishanda pamwedzi, chengetedza kuti iwe unogadzirisa nguva imwe neimwe nenzira yakakodzera mune mafomu. Semuenzaniso, chikwereti chemakore makumi matatu (360) chikamu (nguva dzose pamwedzi). Saizvozvowo, kana uri kubhadhara chikamu chegore negore che6 kubva muzana, iwe unofanirwa kuita kuti periodic chikwereti chikamu che5,5% (kana 6 muzana yakaparadzana nemwedzi 12).

Kana iwe usingadi kuita basa rose rekushanda muma-spreadsheets, pane nzira iri nyore. Shandisa Indaneti Imari Amortization Calculator. Izvo zvinobatsirawo kutarisa kaviri-kutarisa chiparidziro chepadheseti yako.

Zvaunogona Kuita NeSpreadsheet Yako

Kana wawana chikwereti chako, iwe unogona kudzidza zvakawanda nezvekwereti yako.

Tafura yeAmori: Pepaneteti yako inoratidza tafura yekugadzira , iyo yaungashandisa kugadzira mhando dzakasiyana dzematafura emutsara. Ona kuti chikwereti chako chabhadharwa sei kupfuura nguva, kana kuti iwe uchabhadhara chikwereti chako chero ipi zvayo mune ramangwana.

Nheyo uye kufarira: Shanduro yekare inoratidzawo kuti kubhadhara kwega kwega kunoputirwa sei kune guru uye nharaunda. Iwe unonzwisisa kuti zvinorevei kukwereta, uye kuti zvinodhura zvinoshandiswa sei munguva. Mari yako inogara yakangofanana, asi iwe unobhadhara chikwereti chiduku kubva kune imwe neimwe yebhadharo yemwedzi.

Mutengo weMwedzi: Shanduro yako ichaitawo zvinyorwa zvakajeka zvakare. Somuenzaniso, iwe uchada kuverenga kubhadhara kwemwedzi. Kuchinja mari yezvikwereti (kana iwe uchitenga kutenga chimwe chinhu chisina mari, somuenzaniso) kuchaita kuti iwe unenge uchibhadhara mwedzi mumwe nomumwe.

"Zvakadini kana" zviitiko: Kubatsira kushandisa shanduro ndeyekuti iwe une simba rekushandisa kuita shanduko dzakawanda kumuenzaniso sezvaunoda. Tarisa kuona kuti chii chingaitika kana iwe ukawedzera mari yako pachikwereti chako. Zvino ona zvinoitika kana ukwereta zvishoma (kana zvimwe). Nepaspiritsi, unogona kudzokorora zvinyorwa uye kuwana mhinduro pakarepo.