Tabele de Calcul Actuarial Utilizate in Evaluarea Proprietatii

TABELE DE CALCUL ACTUARIAL
UTILIZATE N EVALUAREA PROPRIETII
Factorii de fructificare z=(1+ ra)h ra= 1 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=
0 1 1 1 1 0
1 1.000833333 1.00083264 1.000831603 1.000829538 1
2 1.001667361 1.001665973 1.001663897 1.001659764 2
3 1.002502084 1.0025 1.002496883 1.002490679 3
4 1.003337502 1.003334721 1.003330562 1.003322284 4
5 1.004173617 1.004170138 1.004164934 1.004154578 5
6 1.005010428 1.00500625 1.005 1.004987562 6
7 1.005847937 1.005843058 1.005835761 1.005821238 7
8 1.006686144 1.006680563 1.006672216 1.006655605 8
9 1.007525049 1.007518766 1.007509367 1.007490664 9
10 1.008364653 1.008357666 1.008347215 1.008326416 10
11 1.009204957 1.009197265 1.009185759 1.009162861 11
Anul h= Anul h=
1 1.010045961 1.010037563 1.010025 1.01 1
2 1.020192843 1.020175878 1.020150501 1.0201 2
3 1.030441661 1.030415957 1.030377509 1.030301 3
4 1.040793437 1.040758822 1.040707044 1.04060401 4
5 1.051249207 1.051205503 1.051140132 1.05101005 5
6 1.061810016 1.061757044 1.061677812 1.061520151 6
7 1.072476918 1.072414497 1.072321132 1.072135352 7
8 1.083250979 1.083178925 1.083071151 1.082856706 8
9 1.094133276 1.094051401 1.09392894 1.093685273 9
10 1.105124896 1.10503301 1.104895577 1.104622125 10
11 1.116226937 1.116124848 1.115972155 1.115668347 11
12 1.127440509 1.127328021 1.127159776 1.12682503 12
13 1.138766733 1.138643647 1.138459553 1.13809328 13
14 1.150206739 1.150072853 1.14987261 1.149474213 14
15 1.161761671 1.161616782 1.161400083 1.160968955 15
16 1.173432683 1.173276583 1.173043119 1.172578645 16
17 1.185220942 1.18505342 1.184802876 1.184304431 17
18 1.197127625 1.196948468 1.196680525 1.196147476 18
19 1.209153922 1.208962913 1.208677247 1.20810895 19
20 1.221301035 1.221097953 1.220794236 1.22019004 20
21 1.233570178 1.233354801 1.233032699 1.23239194 21
22 1.245962576 1.245734676 1.245393852 1.24471586 22
23 1.258479467 1.258238816 1.257878925 1.257163018 23
24 1.271122102 1.270868467 1.270489161 1.269734649 24
25 1.283891745 1.283624889 1.283225815 1.282431995 25
26 1.296789672 1.296509354 1.296090154 1.295256315 26
27 1.30981717 1.309523148 1.309083458 1.308208878 27
28 1.322975542 1.322667568 1.322207019 1.321290967 28
29 1.336266102 1.335943926 1.335462145 1.334503877 29
30 1.349690179 1.349353547 1.348850153 1.347848915 30
Aplicaii n evaluarea investiiilor cu ajutorul tabelelor de calcul actuarial Cristian Silviu Bnacu
Factorii de fructificare z*=(1+ ra)h pentru ra = 2 %

0 1 1 1 1 0
1 1.001666667 1.001663897 1.001659764 1.001651581 1
2 1.003336111 1.003330562 1.003322284 1.00330589 2
3 1.005008338 1.005 1.004987562 1.004962932 3
4 1.006683352 1.006672216 1.006655605 1.00662271 4
5 1.008361157 1.008347215 1.008326416 1.008285229 5
6 1.010041759 1.010025 1.01 1.009950494 6
7 1.011725162 1.011705577 1.011676362 1.011618509 7
8 1.013411371 1.013388951 1.013355506 1.013289279 8
9 1.01510039 1.015075125 1.015037438 1.014962809 9
10 1.016792224 1.016764105 1.016722161 1.016639103 10
11 1.018486878 1.018455895 1.01840968 1.018318165 11
Anul h= Anul h=
1 1.020184356 1.020150501 1.0201 1.02 1
2 1.04077612 1.040707044 1.04060401 1.0404 2
3 1.061783515 1.061677812 1.061520151 1.061208 3
4 1.083214931 1.083071151 1.082856706 1.08243216 4
5 1.105078927 1.104895577 1.104622125 1.104080803 5
6 1.127384233 1.127159776 1.12682503 1.126162419 6
7 1.150139757 1.14987261 1.149474213 1.148685668 7
8 1.173354587 1.173043119 1.172578645 1.171659381 8
9 1.197037993 1.196680525 1.196147476 1.195092569 9
10 1.221199434 1.220794236 1.22019004 1.21899442 10
11 1.245848558 1.245393852 1.24471586 1.243374308 11
12 1.270995208 1.270489161 1.269734649 1.268241795 12
13 1.296649427 1.296090154 1.295256315 1.29360663 13
14 1.322821461 1.322207019 1.321290967 1.319478763 14
15 1.349521759 1.348850153 1.347848915 1.345868338 15
16 1.376760987 1.376030158 1.374940679 1.372785705 16
17 1.40455002 1.403757855 1.402576986 1.400241419 17
18 1.432899957 1.432044278 1.430768784 1.428246248 18
19 1.46182212 1.460900688 1.459527236 1.456811173 19
20 1.491328057 1.490338568 1.488863734 1.485947396 20
21 1.521429553 1.520369636 1.518789895 1.515666344 21
22 1.552138628 1.551005845 1.549317572 1.545979671 22
23 1.583467547 1.58225939 1.580458855 1.576899264 23
24 1.615428819 1.614142708 1.612226078 1.608437249 24
25 1.648035209 1.646668492 1.644631822 1.640605994 25
26 1.681299737 1.679849687 1.677688921 1.673418114 26
27 1.715235689 1.713699499 1.711410469 1.706886477 27
28 1.749856617 1.748231402 1.745809819 1.741024206 28
29 1.785176345 1.78345914 1.780900597 1.77584469 29
30 1.821208979 1.819396734 1.816696699 1.811361584 30
Factorii de fructificare z*=(1+ ra)h pentru ra =3 %

0 1 1 1 1 0
1 1.0025 1.002493776 1.002484517 1.00246627 1
2 1.00500625 1.004993771 1.004975206 1.004938622 2
3 1.007518766 1.0075 1.007472084 1.007417072 3
4 1.010037563 1.010012479 1.009975165 1.009901634 4
5 1.012562656 1.012531224 1.012484465 1.012392324 5
6 1.015094063 1.01505625 1.015 1.014889157 6
7 1.017631798 1.017587573 1.017521784 1.017392147 7
8 1.020175878 1.020125208 1.020049834 1.01990131 8
9 1.022726317 1.022669172 1.022584165 1.022416662 9
10 1.025283133 1.02521948 1.025124793 1.024938218 10
11 1.027846341 1.027776147 1.027671732 1.027465992 11
Anul h= Anul h=
1 1.030415957 1.030339191 1.030225 1.03 1
2 1.061757044 1.061598848 1.061363551 1.0609 2
3 1.094051401 1.093806898 1.093443264 1.092727 3
4 1.127328021 1.126992114 1.126492587 1.12550881 4
5 1.161616782 1.161184142 1.160540825 1.159274074 5
6 1.196948468 1.196413529 1.195618171 1.194052297 6
7 1.233354801 1.232711748 1.231755731 1.229873865 7
8 1.270868467 1.270111224 1.268985548 1.266770081 8
9 1.309523148 1.308645371 1.307340636 1.304773184 9
10 1.349353547 1.348348612 1.346855007 1.343916379 10
11 1.390395427 1.389256418 1.387563699 1.384233871 11
12 1.432685634 1.431405333 1.429502812 1.425760887 12
13 1.476262138 1.474833013 1.472709534 1.468533713 13
14 1.521164064 1.519578253 1.51722218 1.512589725 14
15 1.567431725 1.565681027 1.56308022 1.557967417 15
16 1.61510666 1.613182522 1.61032432 1.604706439 16
17 1.664231675 1.662125174 1.658996373 1.652847632 17
18 1.714850874 1.712552707 1.709139538 1.702433061 18
19 1.767009704 1.76451017 1.760798281 1.753506053 19
20 1.820754995 1.81804398 1.814018409 1.806111235 20
21 1.876135001 1.873201963 1.868847115 1.860294572 21
22 1.933199442 1.930033395 1.925333019 1.916103409 22
23 1.991999553 1.988589046 1.98352621 1.973586511 23
24 2.052588126 2.048921228 2.043478289 2.032794106 24
25 2.115019558 2.11108384 2.105242421 2.09377793 25
26 2.179349901 2.175132415 2.168873373 2.156591268 26
27 2.245636914 2.241124172 2.23442757 2.221289006 27
28 2.31394011 2.309118066 2.301963144 2.287927676 28
29 2.384320812 2.379174839 2.37153998 2.356565506 29
30 2.456842211 2.451357078 2.443219776 2.427262471 30

0 1 1 1 1 0
1 1.003333333 1.003322284 1.00330589 1.00327374 1
2 1.006677778 1.006655605 1.00662271 1.006558197 2
3 1.01003337 1.01 1.009950494 1.009853407 3
4 1.013400148 1.013355506 1.013289279 1.013159404 4
5 1.016778149 1.016722161 1.016639103 1.016476224 5
6 1.020167409 1.0201 1.02 1.019803903 6
7 1.023567967 1.023489061 1.023372008 1.023142475 7
8 1.026979861 1.026889382 1.026755164 1.026491978 8
9 1.030403127 1.030301 1.030149504 1.029852445 9
10 1.033837804 1.033723952 1.033555065 1.033223914 10
11 1.03728393 1.037158276 1.036971885 1.03660642 11
Anul h= Anul h=
1 1.040741543 1.04060401 1.0404 1.04 1
2 1.083142959 1.082856706 1.08243216 1.0816 2
3 1.127271875 1.12682503 1.126162419 1.124864 3
4 1.17319867 1.172578645 1.171659381 1.16985856 4
5 1.220996594 1.22019004 1.21899442 1.216652902 5
6 1.270741879 1.269734649 1.268241795 1.265319018 6
7 1.322513864 1.321290967 1.319478763 1.315931779 7
8 1.376395119 1.374940679 1.372785705 1.36856905 8
9 1.43247158 1.430768784 1.428246248 1.423311812 9
10 1.490832682 1.488863734 1.485947396 1.480244285 10
11 1.551571506 1.549317572 1.545979671 1.539454056 11
12 1.614784923 1.612226078 1.608437249 1.601032219 12
13 1.680573753 1.677688921 1.673418114 1.665073507 13
14 1.74904292 1.745809819 1.741024206 1.731676448 14
15 1.820301627 1.816696699 1.811361584 1.800943506 15
16 1.894463524 1.890461869 1.884540592 1.872981246 16
17 1.971646891 1.967222202 1.960676032 1.947900496 17
18 2.051974828 2.047099312 2.039887344 2.025816515 18
19 2.135575448 2.130219753 2.122298792 2.106849176 19
20 2.222582087 2.216715217 2.208039664 2.191123143 20
21 2.31313351 2.306722744 2.297244466 2.278768069 21
22 2.407374139 2.400384937 2.390053142 2.369918792 22
23 2.505454275 2.497850191 2.486611289 2.464715543 23
24 2.607530348 2.599272926 2.587070385 2.563304165 24
25 2.713765158 2.704813829 2.691588029 2.665836331 25
26 2.824328138 2.814640117 2.800328185 2.772469785 26
27 2.939395624 2.928925793 2.913461444 2.883368576 27
28 3.059151137 3.047851925 3.031165286 2.998703319 28
29 3.183785674 3.171606935 3.153624364 3.118651452 29
30 3.313498015 3.300386895 3.281030788 3.24339751 30
Factorii de fructificare z*=(1+ ra)h pentru ra = 5 %

0 1 1 1 1 0
1 1.004166667 1.004149425 1.004123915 1.004074124 1
2 1.008350694 1.008316068 1.008264838 1.008164846 2
3 1.012552156 1.0125 1.012422837 1.012272234 3
4 1.016771123 1.016701293 1.016597983 1.016396357 4
5 1.021007669 1.020920019 1.020790347 1.020537281 5
6 1.025261868 1.02515625 1.025 1.024695077 6
7 1.029533792 1.029410059 1.029227013 1.028869811 7
8 1.033823517 1.033681519 1.033471459 1.033061554 8
9 1.038131115 1.037970703 1.037733407 1.037270375 9
10 1.042456661 1.042277685 1.042012932 1.041496343 10
11 1.04680023 1.046602538 1.046310106 1.045739528 11
Anul h= Anul h=
1 1.051161898 1.050945337 1.050625 1.05 1
2 1.104941336 1.104486101 1.103812891 1.1025 2
3 1.161472231 1.160754518 1.159693418 1.157625 3
4 1.220895355 1.219889548 1.218402898 1.21550625 4
5 1.283358679 1.282037232 1.280084544 1.276281563 5
6 1.349017744 1.34735105 1.344888824 1.340095641 6
7 1.418036052 1.415992304 1.412973821 1.407100423 7
8 1.490585468 1.488130509 1.484505621 1.477455444 8
9 1.566846649 1.563943819 1.559658718 1.551328216 9
10 1.647009498 1.643619463 1.63861644 1.628894627 10
11 1.731273629 1.727354211 1.721571398 1.710339358 11
12 1.819848874 1.815354853 1.80872595 1.795856326 12
13 1.912955796 1.907838718 1.900292701 1.885649142 13
14 2.010826245 2.005034204 1.996495019 1.979931599 14
15 2.113703932 2.107181347 2.097567579 2.078928179 15
16 2.221845037 2.214532411 2.203756938 2.182874588 16
17 2.335518846 2.32735251 2.315322133 2.292018318 17
18 2.455008423 2.445920268 2.432535316 2.406619234 18
19 2.580611313 2.5705285 2.555682416 2.526950195 19
20 2.712640285 2.701484941 2.685063838 2.653297705 20
21 2.851424111 2.839113001 2.820995195 2.78596259 21
22 2.99730838 2.98375257 2.963808077 2.92526072 22
23 3.150656365 3.13576085 3.113850861 3.071523756 23
24 3.311849924 3.295513243 3.271489561 3.225099944 24
25 3.481290452 3.463404275 3.43710872 3.386354941 25
26 3.659399879 3.639848573 3.611112349 3.555672688 26
27 3.846621722 3.825281884 3.793924911 3.733456322 27
28 4.043422189 4.020162159 3.98599236 3.920129138 28
29 4.250291342 4.224970674 4.187783223 4.116135595 29
30 4.467744314 4.440213229 4.399789749 4.321942375 30

0 1 1 1 1 0
1 1.005 1.004975206 1.004938622 1.004867551 1
2 1.010025 1.009975165 1.009901634 1.009758794 2
3 1.015075125 1.015 1.014889157 1.014673846 3
4 1.020150501 1.020049834 1.01990131 1.019612822 4
5 1.025251253 1.025124793 1.024938218 1.024575839 5
6 1.030377509 1.030225 1.03 1.029563014 6
7 1.035529397 1.035350582 1.035086781 1.034574464 7
8 1.040707044 1.040501665 1.040198683 1.039610308 8
9 1.045910579 1.045678375 1.045335831 1.044670663 9
10 1.051140132 1.050880841 1.05049835 1.049755651 10
11 1.056395833 1.05610919 1.055686364 1.054865389 11
Anul h= Anul h=
1 1.061677812 1.061363551 1.0609 1.06 1
2 1.127159776 1.126492587 1.12550881 1.1236 2
3 1.196680525 1.195618171 1.194052297 1.191016 3
4 1.270489161 1.268985548 1.266770081 1.26247696 4
5 1.348850153 1.346855007 1.343916379 1.338225578 5
6 1.432044278 1.429502812 1.425760887 1.418519112 6
7 1.520369636 1.51722218 1.512589725 1.503630259 7
8 1.614142708 1.61032432 1.604706439 1.593848075 8
9 1.713699499 1.709139538 1.702433061 1.689478959 9
10 1.819396734 1.814018409 1.806111235 1.790847697 10
11 1.931613144 1.925333019 1.916103409 1.898298558 11
12 2.050750816 2.043478289 2.032794106 2.012196472 12
13 2.177236639 2.168873373 2.156591268 2.13292826 13
14 2.31152383 2.301963144 2.287927676 2.260903956 14
15 2.454093562 2.443219776 2.427262471 2.396558193 15
16 2.605456683 2.593144416 2.575082756 2.540351685 16
17 2.76615555 2.752268965 2.731905296 2.692772786 17
18 2.936765972 2.921157961 2.898278328 2.854339153 18
19 3.117899271 3.100410585 3.074783478 3.025599502 19
20 3.310204476 3.290662787 3.262037792 3.207135472 20
21 3.514370645 3.49258954 3.460695894 3.399563601 21
22 3.731129336 3.706907235 3.671452273 3.603537417 22
23 3.961257229 3.934376224 3.895043717 3.819749662 23
24 4.205578908 4.175803519 4.132251879 4.048934641 24
25 4.464969812 4.43204565 4.383906019 4.29187072 25
26 4.74035938 4.704011707 4.650885895 4.549382963 26
27 5.032734374 4.992666568 4.934124846 4.822345941 27
28 5.343142418 5.299034315 5.234613049 5.111686697 28
29 5.672695751 5.624201876 5.553400984 5.418387899 29
30 6.022575212 5.969322872 5.891603104 5.743491173 30

0 1 1 1 1 0
1 1.005833333 1.005799633 1.005750039 1.005654145 1
2 1.011700694 1.011632901 1.011533142 1.01134026 2
3 1.017602282 1.0175 1.017349497 1.017058525 3
4 1.023538295 1.023401126 1.023199297 1.022809122 4
5 1.029508935 1.029336477 1.029082734 1.028592233 5
6 1.035514404 1.03530625 1.035 1.034408043 6
7 1.041554905 1.041310646 1.040951291 1.040256737 7
8 1.047630642 1.047349865 1.046936802 1.0461385 8
9 1.05374182 1.053424109 1.05295673 1.052053519 9
10 1.059888648 1.059533582 1.059011273 1.058001982 10
11 1.066071331 1.065678488 1.065100629 1.063984079 11
Anul h= Anul h=
1 1.072290081 1.071859031 1.071225 1.07 1
2 1.149806018 1.148881783 1.147523001 1.1449 2
3 1.232925587 1.231439315 1.229255326 1.225043 3
4 1.322053878 1.319929351 1.316809037 1.31079601 4
5 1.41762526 1.414778196 1.410598761 1.402551731 5
6 1.520105504 1.516442786 1.511068657 1.500730352 6
7 1.629994054 1.625412896 1.618694522 1.605781476 7
8 1.747826456 1.742213492 1.73398604 1.71818618 8
9 1.874176972 1.867407266 1.857489196 1.838459212 9
10 2.009661377 2.001597343 1.989788863 1.967151357 10
11 2.15493996 2.145430189 2.131511575 2.104851952 11
12 2.310720744 2.299598724 2.283328487 2.252191589 12
13 2.477762933 2.464845661 2.445958559 2.409845 13
14 2.656880616 2.641967083 2.620171957 2.57853415 14
15 2.848946731 2.831816278 2.806793705 2.759031541 15
16 3.05489732 3.035307852 3.006707586 2.952163749 16
17 3.275736095 3.253422134 3.220860334 3.158815211 17
18 3.512539322 3.487209897 3.450266111 3.379932276 18
19 3.766461073 3.737797422 3.696011315 3.616527535 19
20 4.038738849 4.006391924 3.959259721 3.869684462 20
21 4.330699607 4.294287367 4.241257995 4.140562375 21
22 4.643766232 4.602870697 4.543341595 4.430401741 22
23 4.979464468 4.933628527 4.866941101 4.740529863 23
24 5.339430357 5.288154293 5.213588981 5.072366953 24
25 5.725418209 5.668155938 5.584926856 5.42743264 25
26 6.139309155 6.075464133 5.982713271 5.807352925 26
27 6.58312031 6.5120411 6.408832024 6.21386763 27
28 7.059014609 6.979990065 6.865301085 6.648838364 28
29 7.569311346 7.48156539 7.354282154 7.114257049 29
30 8.116497475 8.019183431 7.878090901 7.612255043 30

0 1 1 1 1 0
1 1.006666667 1.00662271 1.006558197 1.00643403 1
2 1.013377778 1.013289279 1.013159404 1.012909457 2
3 1.02013363 1.02 1.019803903 1.019426547 3
4 1.02693452 1.026755164 1.026491978 1.025985568 4
5 1.033780751 1.033555065 1.033223914 1.03258679 5
6 1.040672622 1.0404 1.04 1.039230485 6
7 1.04761044 1.047290267 1.046820525 1.045916925 7
8 1.054594509 1.054226166 1.05368578 1.052646386 8
9 1.061625139 1.061208 1.060596059 1.059419144 9
10 1.06870264 1.068236072 1.067551657 1.066235479 10
11 1.075827325 1.07531069 1.074552871 1.07309567 11
Anul h= Anul h=
1 1.082999507 1.08243216 1.0816 1.08 1
2 1.172887932 1.171659381 1.16985856 1.1664 2
3 1.270237052 1.268241795 1.265319018 1.259712 3
4 1.3756661 1.372785705 1.36856905 1.36048896 4
5 1.489845708 1.485947396 1.480244285 1.469328077 5
6 1.613502167 1.608437249 1.601032219 1.586874323 6
7 1.747422051 1.741024206 1.731676448 1.713824269 7
8 1.89245722 1.884540592 1.872981246 1.85093021 8
9 2.049530236 2.039887344 2.025816515 1.999004627 9
10 2.219640235 2.208039664 2.191123143 2.158924997 10
11 2.403869279 2.390053142 2.369918792 2.331638997 11
12 2.603389244 2.587070385 2.563304165 2.518170117 12
13 2.819469267 2.800328185 2.772469785 2.719623726 13
14 3.053483826 3.031165286 2.998703319 2.937193624 14
15 3.306921477 3.281030788 3.24339751 3.172169114 15
16 3.581394329 3.551493243 3.508058747 3.425942643 16
17 3.878648292 3.844250503 3.794316341 3.700018055 17
18 4.200574187 4.161140375 4.103932554 3.996019499 18
19 4.549219773 4.504152164 4.43881345 4.315701059 19
20 4.926802771 4.875439156 4.801020628 4.660957144 20
21 5.335724971 5.277332137 5.192783911 5.033833715 21
22 5.778587512 5.712354024 5.616515078 5.436540413 22
23 6.258207426 6.183235705 6.074822709 5.871463646 23
24 6.777635555 6.69293318 6.570528242 6.341180737 24
25 7.340175964 7.244646118 7.106683346 6.848475196 25
26 7.949406949 7.841837946 7.686588707 7.396353212 26
27 8.609203805 8.488257586 8.313814346 7.988061469 27
28 9.323763475 9.187962994 8.992221596 8.627106386 28
29 10.09763124 9.94534663 9.725986879 9.317274897 29
30 10.93572966 10.76516303 10.51962741 10.06265689 30

0 1 1 1 1 0
1 1.0075 1.007444443 1.007363123 1.007207323 1
2 1.01505625 1.014944305 1.014780462 1.014466592 2
3 1.022669172 1.0225 1.022252415 1.021778181 3
4 1.030339191 1.030111943 1.029779385 1.029142467 4
5 1.038066735 1.037780552 1.037361778 1.036559829 5
6 1.045852235 1.04550625 1.045 1.044030651 6
7 1.053696127 1.053289461 1.052694464 1.051555317 7
8 1.061598848 1.061130615 1.060445582 1.059134217 8
9 1.069560839 1.069030141 1.068253774 1.066767739 9
10 1.077582545 1.076988474 1.076119458 1.074456279 10
11 1.085664415 1.085006053 1.084043058 1.082200233 11
Anul h= Anul h=
1 1.093806898 1.093083319 1.092025 1.09 1
2 1.196413529 1.194831142 1.192518601 1.1881 2
3 1.308645371 1.30604999 1.302260125 1.295029 3
4 1.431405333 1.427621457 1.422100613 1.41158161 4
5 1.565681027 1.560509201 1.552969422 1.538623955 5
6 1.712552707 1.705766576 1.695881433 1.677100111 6
7 1.873201963 1.86454499 1.851944922 1.828039121 7
8 2.048921228 2.038103026 2.022370153 1.992562642 8
9 2.241124172 2.227816419 2.208478766 2.171893279 9
10 2.451357078 2.435188965 2.411714025 2.367363675 10
11 2.681311281 2.661864436 2.633652008 2.580426405 11
12 2.932836774 2.909639612 2.876013834 2.812664782 12
13 3.207957093 3.180478524 3.140679007 3.065804612 13
14 3.508885595 3.47652802 3.429699993 3.341727027 14
15 3.838043267 3.800134786 3.745318135 3.64248246 15
16 4.1980782 4.153863944 4.089981036 3.970305881 16
17 4.591886892 4.540519385 4.466361541 4.32763341 17
18 5.022637555 4.963165999 4.877378461 4.717120417 18
19 5.493795603 5.425153962 5.326219214 5.141661255 19
20 6.009151524 5.930145297 5.816364538 5.604410768 20
21 6.572851387 6.482142902 6.351615484 6.108807737 21
22 7.189430184 7.085522277 6.936122899 6.658600433 22
23 7.863848326 7.745066206 7.574419609 7.257874472 23
24 8.601531541 8.466002672 8.271455573 7.911083175 24
25 9.40841453 9.254046298 9.032636273 8.62308066 25
26 10.29098871 10.11544364 9.863864626 9.39915792 26
27 11.25635443 11.0570227 10.77158677 10.24508213 27
28 12.31227812 12.08624707 11.76284204 11.16713952 28
29 13.46725474 13.21127506 12.84531758 12.17218208 29
30 14.73057612 14.44102439 14.02740793 13.26767847 30
Factorii de fructificare z=(1+ ra)h ra=10 % Dobnda compus

0 1 1 1 1 0
1 1.008333333 1.008264838 1.008164846 1.00797414 1
2 1.016736111 1.016597983 1.016396357 1.016011868 2
3 1.025208912 1.025 1.024695077 1.024113689 3
4 1.03375232 1.033471459 1.033061554 1.032280115 4
5 1.042366922 1.042012932 1.041496343 1.040511662 5
6 1.051053313 1.050625 1.05 1.048808848 6
7 1.059812091 1.059308245 1.058573088 1.057172197 7
8 1.068643858 1.068063256 1.067216175 1.065602237 8
9 1.077549224 1.076890625 1.07592983 1.074099499 9
10 1.086528801 1.085790951 1.084714632 1.082664519 10
11 1.095583207 1.094764837 1.09357116 1.091297838 11
Anul h= Anul h=
1 1.104713067 1.103812891 1.1025 1.1 1
2 1.220390961 1.218402898 1.21550625 1.21 2
3 1.348181842 1.344888824 1.340095641 1.331 3
4 1.489354099 1.484505621 1.477455444 1.4641 4
5 1.645308935 1.63861644 1.628894627 1.61051 5
6 1.81759428 1.80872595 1.795856326 1.771561 6
7 2.007920153 1.996495019 1.979931599 1.9487171 7
8 2.218175631 2.203756938 2.182874588 2.14358881 8
9 2.450447605 2.432535316 2.406619234 2.357947691 9
10 2.707041491 2.685063838 2.653297705 2.59374246 10
11 2.990504109 2.963808077 2.92526072 2.853116706 11
12 3.303648968 3.271489561 3.225099944 3.138428377 12
13 3.649584185 3.611112349 3.555672688 3.452271214 13
14 4.03174334 3.98599236 3.920129138 3.797498336 14
15 4.453919552 4.399789749 4.321942375 4.177248169 15
16 4.92030313 4.856544641 4.764941469 4.594972986 16
17 5.435523164 5.360716578 5.253347969 5.054470285 17
18 6.004693467 5.917228062 5.791816136 5.559917313 18
19 6.633463339 6.531512612 6.38547729 6.115909045 19
20 7.328073633 7.209567816 7.039988712 6.727499949 20
21 8.095418702 7.958013891 7.761587555 7.400249944 21
22 8.943114826 8.784158317 8.55715028 8.140274939 22
23 9.879575812 9.696067184 9.434258183 8.954302433 23
24 10.9140965 10.70264395 10.40126965 9.849732676 24
25 12.05694502 11.81371635 11.46739979 10.83470594 25
26 13.31946472 13.04013239 12.64280826 11.91817654 26
27 14.71418673 14.39386623 13.93869611 13.10999419 27
28 16.25495436 15.88813509 15.36741246 14.42099361 28
29 17.95706049 17.53752832 16.94257224 15.86309297 29
30 19.83739937 19.35814983 18.67918589 17.44940227 30

0 1 1 1 1 0
1 1.009166667 1.0090839 1.008963394 1.008734594 1
2 1.018417361 1.018250316 1.01800713 1.017545481 2
3 1.027752854 1.0275 1.027131929 1.026433327 3
4 1.037173921 1.036833707 1.036338517 1.035398805 4
5 1.046681349 1.0462522 1.045627628 1.044442593 5
6 1.056275928 1.05575625 1.055 1.053565375 6
7 1.065958457 1.065346634 1.064456381 1.062767841 7
8 1.075729743 1.075024136 1.073997522 1.072050686 8
9 1.085590599 1.084789547 1.083624185 1.081414614 9
10 1.095541846 1.094643666 1.093337136 1.090860331 10
11 1.105584313 1.104587299 1.103137147 1.100388553 11
Anul h= Anul h=
1 1.115718836 1.114621259 1.113025 1.11 1
2 1.244828521 1.242380552 1.238824651 1.2321 2
3 1.388878629 1.384783775 1.378842807 1.367631 3
4 1.549598048 1.543509436 1.534686515 1.51807041 4
5 1.72891573 1.720428431 1.708144458 1.685058155 5
6 1.928983847 1.917626105 1.901207486 1.870414552 6
7 2.152203612 2.137426824 2.116091462 2.076160153 7
8 2.40125411 2.382421379 2.355262699 2.30453777 8
9 2.679124441 2.655497517 2.621466266 2.558036924 9
10 2.989149603 2.959873987 2.917757491 2.839420986 10
11 3.335050516 3.299138471 3.247537031 3.151757295 11
12 3.720978681 3.677289878 3.614589904 3.498450597 12
13 4.151566003 4.098785475 4.023128928 3.883280163 13
14 4.631980389 4.568593428 4.477843075 4.31044098 14
15 5.167987769 5.092251361 4.983951288 4.784589488 15
16 5.766021299 5.675931625 5.547262383 5.310894332 16
17 6.433258574 6.326514056 6.174241714 5.895092709 17
18 7.177707769 7.051667065 6.872085383 6.543552907 18
19 8.008303758 7.859938025 7.648802834 7.263343726 19
20 8.935015349 8.76085402 8.513308774 8.062311536 20
21 9.968964927 9.765034141 9.475525498 8.949165805 21
22 11.12256195 10.88431465 10.54649677 9.933574044 22
23 12.40965187 12.13188851 11.73851456 11.02626719 23
24 13.84568234 13.52246085 13.06526017 12.23915658 24
25 15.44788859 15.07242234 14.5419612 13.5854638 25
26 17.23550028 16.80004237 16.18556637 15.07986482 26
27 19.22997231 18.72568438 18.01494001 16.73864995 27
28 21.45524233 20.87204591 20.0510786 18.57990145 28
29 23.938018 23.2644261 22.31735176 20.62369061 29
30 26.70809758 25.93102392 24.83977045 22.89229657 30
Factorii de fructificare z=(1+ ra)h ra=12 %

0 1 1 1 1 0
1 1.01 1.009901634 1.009758794 1.009488793 1
2 1.0201 1.01990131 1.019612822 1.019067623 2
3 1.030301 1.03 1.029563014 1.028737345 3
4 1.04060401 1.040198683 1.039610308 1.03849882 4
5 1.05101005 1.05049835 1.049755651 1.048352921 5
6 1.061520151 1.0609 1.06 1.058300524 6
7 1.072135352 1.071404644 1.070344322 1.068342519 7
8 1.082856706 1.0820133 1.080789592 1.0784798 8
9 1.093685273 1.092727 1.091336795 1.088713271 9
10 1.104622125 1.103546783 1.101986926 1.099043846 10
11 1.115668347 1.114473699 1.11274099 1.109472446 11
Anul h= Anul h=
1 1.12682503 1.12550881 1.1236 1.12 1
2 1.269734649 1.266770081 1.26247696 1.2544 2
3 1.430768784 1.425760887 1.418519112 1.404928 3
4 1.612226078 1.604706439 1.593848075 1.57351936 4
5 1.816696699 1.806111235 1.790847697 1.762341683 5
6 2.047099312 2.032794106 2.012196472 1.973822685 6
7 2.306722744 2.287927676 2.260903956 2.210681407 7
8 2.599272926 2.575082756 2.540351685 2.475963176 8
9 2.928925793 2.898278328 2.854339153 2.773078757 9
10 3.300386895 3.262037792 3.207135472 3.105848208 10
11 3.718958562 3.671452273 3.603537417 3.478549993 11
12 4.190615594 4.132251879 4.048934641 3.895975993 12
13 4.722090543 4.650885895 4.549382963 4.363493112 13
14 5.320969818 5.234613049 5.111686697 4.887112285 14
15 5.995801975 5.891603104 5.743491173 5.473565759 15
16 6.756219742 6.631051199 6.453386682 6.13039365 16
17 7.613077514 7.463306544 7.251025276 6.866040888 17
18 8.578606299 8.400017267 8.147252 7.689965795 18
19 9.666588301 9.454293438 9.154252347 8.61276169 19
20 10.89255365 10.64089056 10.28571794 9.646293093 20
21 12.2740021 11.97641607 11.55703267 10.80384826 21
22 13.83065279 13.4795618 12.98548191 12.10031006 22
23 15.58472574 15.17136556 14.59048748 13.55234726 23
24 17.56125905 17.07550559 16.39387173 15.17862893 24
25 19.78846626 19.21863198 18.42015427 17.00006441 25
26 22.29813909 21.63073961 20.69688534 19.04007214 26
27 25.12610125 24.345588 23.25502037 21.32488079 27
28 28.3127198 27.40117378 26.12934089 23.88386649 28
29 31.90348134 30.84026249 29.35892742 26.74993047 29
30 35.94964133 34.71098714 32.98769085 29.95992212 30

0 1 1 1 1 0
1 1.010833333 1.010718046 1.010551074 1.010236844 1
2 1.021784028 1.021550969 1.021213473 1.020578482 2
3 1.032853355 1.0325 1.031988372 1.031025985 3
4 1.044042599 1.043566383 1.042876958 1.041580437 4
5 1.055353061 1.054751376 1.05388043 1.052242934 5
6 1.066786052 1.06605625 1.065 1.063014581 6
7 1.078342901 1.07748229 1.076236894 1.073896496 7
8 1.090024949 1.089030796 1.087592349 1.084889807 8
9 1.101833553 1.100703078 1.099067616 1.095995655 9
10 1.113770083 1.112500465 1.11066396 1.107215192 10
11 1.125835926 1.124424296 1.122382658 1.118549582 11
Anul h= Anul h=
1 1.138032482 1.136475928 1.134225 1.13 1
2 1.295117929 1.291577535 1.286466351 1.2769 2
3 1.473886271 1.467846778 1.459142297 1.442897 3
4 1.677330451 1.66817253 1.654995671 1.63047361 4
5 1.908856535 1.895837924 1.877137465 1.842435179 5
6 2.17234074 2.154574164 2.129096242 2.081951753 6
7 2.472194323 2.448621673 2.414874185 2.35260548 7
8 2.81343744 2.782799589 2.739010672 2.658444193 8
9 3.201783192 3.162584746 3.106654379 3.004041938 9
10 3.643733272 3.594201434 3.523645064 3.39456739 10
11 4.146686818 4.084723411 3.996606322 3.835861151 11
12 4.719064289 4.64218983 4.533050806 4.3345231 12
13 5.370448444 5.275736995 5.14149955 4.898011103 13
14 6.11174477 5.995748099 5.831617327 5.534752547 14
15 6.955364068 6.814023385 6.614366163 6.254270378 15
16 7.915430231 7.743973551 7.502179461 7.067325527 16
17 9.008016709 8.800839529 8.509159499 7.986077845 17
18 10.25141561 10.00194227 9.651301433 9.024267965 18
19 11.66644395 11.36696663 10.94674737 10.1974228 19
20 13.27679216 12.91828395 12.41607453 11.52308776 20
21 15.10942072 14.68131874 14.08262214 13.02108917 21
22 17.19501156 16.68496534 15.97286209 14.71383077 22
23 19.56848168 18.96206147 18.11681951 16.62662877 23
24 22.26956777 21.54992641 20.54854961 18.78809051 24
25 25.34349147 24.49097262 23.30667868 21.23054227 25
26 28.84171649 27.83340084 26.43501762 23.99051277 26
27 32.82281019 31.63199006 29.98325786 27.10927943 27
28 37.35342414 35.94899526 34.00776065 30.63348575 28
29 42.50940997 40.85516776 38.57245233 34.6158389 29
30 48.37708932 46.4309147 43.74983974 39.11589796 30

0 1 1 1 1 0
1 1.011666667 1.011533142 1.01134026 1.010978852 1
2 1.023469444 1.023199297 1.022809122 1.022078239 2
3 1.035409921 1.035 1.034408043 1.033299485 3
4 1.047489704 1.046936802 1.0461385 1.044643927 4
5 1.059710417 1.059011273 1.058001982 1.056112918 5
6 1.072073705 1.071225 1.07 1.067707825 6
7 1.084581232 1.08357959 1.082134078 1.079430031 7
8 1.097234679 1.096076667 1.09440576 1.091280934 8
9 1.110035751 1.108717875 1.106816606 1.103261946 9
10 1.122986168 1.121504876 1.119368195 1.115374495 10
11 1.136087673 1.134439351 1.132062121 1.127620027 11
Anul h= Anul h=
1 1.149342029 1.147523001 1.1449 1.14 1
2 1.3209871 1.316809037 1.31079601 1.2996 2
3 1.518265994 1.511068657 1.500730352 1.481544 3
4 1.745006919 1.73398604 1.71818618 1.68896016 4
5 2.005609793 1.989788863 1.967151357 1.925414582 5
6 2.305131629 2.283328487 2.252191589 2.194972624 6
7 2.649384664 2.620171957 2.57853415 2.502268791 7
8 3.045049146 3.006707586 2.952163749 2.852586422 8
9 3.499802965 3.450266111 3.379932276 3.251948521 9
10 4.022470641 3.959259721 3.869684462 3.707221314 10
11 4.623194569 4.543341595 4.430401741 4.226232298 11
12 5.313631828 5.213588981 5.072366953 4.81790482 12
13 6.107180387 5.982713271 5.807352925 5.492411495 13
14 7.019239099 6.865301085 6.648838364 6.261349104 14
15 8.067506509 7.878090901 7.612255043 7.137937978 15
16 9.272324302 9.04029051 8.715270798 8.137249295 16
17 10.65707203 10.37394129 9.978113537 9.276464197 17
18 12.24862079 11.90433624 11.42394219 10.57516918 18
19 14.07785467 13.66049964 13.07927141 12.05569287 19
20 16.18027006 15.67573754 14.97445784 13.74348987 20
21 18.59666442 17.98826938 17.14425678 15.66757845 21
22 21.37392802 20.64195285 19.62845959 17.86103944 22
23 24.56595381 23.68711568 22.47262338 20.36158496 23
24 28.2346832 27.18151006 25.72890651 23.21220685 24
25 32.45130808 31.19140798 29.45702506 26.46191581 25
26 37.29765228 35.79285808 33.72534799 30.16658403 26
27 42.86775936 41.07312791 38.61215092 34.38990579 27
28 49.26971753 47.13235898 44.20705159 39.2044926 28
29 56.62775712 54.08546601 50.61265336 44.69312156 29
30 65.08466128 62.06431624 57.94642683 50.95015858 30

0 1 1 1 1 0
1 1.0125 1.012346926 1.012126379 1.011714917 1
2 1.02515625 1.024846299 1.024399807 1.023567073 2
3 1.037970703 1.0375 1.036822068 1.035558076 3
4 1.050945337 1.050309936 1.049394965 1.047689553 4
5 1.064082154 1.063278035 1.062120326 1.059963149 5
6 1.077383181 1.07640625 1.075 1.072380529 6
7 1.09085047 1.089696558 1.088035858 1.084943378 7
8 1.104486101 1.103150961 1.101229793 1.0976534 8
9 1.118292177 1.116771484 1.114583723 1.110512318 9
10 1.13227083 1.130560179 1.128099587 1.123521878 10
11 1.146424215 1.144519122 1.141779351 1.136683843 11
Anul h= Anul h=
1 1.160754518 1.158650415 1.155625 1.15 1
2 1.34735105 1.342470784 1.335469141 1.3225 2
3 1.563943819 1.555454331 1.543301526 1.520875 3
4 1.815354853 1.802227807 1.783477826 1.74900625 4
5 2.107181347 2.088151996 2.061031562 2.011357188 5
6 2.445920268 2.419438177 2.381779599 2.313060766 6
7 2.839113001 2.803283048 2.752444049 2.66001988 7
8 3.295513243 3.248025067 3.180793154 3.059022863 8
9 3.825281884 3.763325592 3.675804089 3.517876292 9
10 4.440213229 4.360378759 4.2478511 4.045557736 10
11 5.153997565 5.052154659 4.908922928 4.652391396 11
12 5.982525958 5.853681092 5.672874058 5.350250105 12
13 6.944244033 6.782370027 6.555715084 6.152787621 13
14 8.060562634 7.858395847 7.575948244 7.075705764 14
15 9.356334493 9.105133609 8.754955189 8.137061629 15
16 10.86040753 10.54966684 10.11744509 9.357620874 16
17 12.60626711 12.22337586 11.69197248 10.761264 17
18 14.6327815 14.16261951 13.5115357 12.37545361 18
19 16.98506723 16.40952497 15.61426844 14.23177165 19
20 19.71549352 19.01290292 18.04423897 16.36653739 20
21 22.88484817 22.02930786 20.85237366 18.821518 21
22 26.5636909 25.5242667 24.09752431 21.6447457 22
23 30.83392422 29.5737022 27.84770153 24.89145756 23
24 35.79061684 34.26558233 32.18150008 28.62517619 24
25 41.54412019 39.70183119 37.18974603 32.91895262 25
26 48.22252519 46.00054318 42.97740026 37.85679551 26
27 55.97451397 53.29854845 49.66575817 43.53531484 27
28 64.97266997 61.75438528 57.39499179 50.06561207 28
29 75.4173202 71.55174414 66.32708739 57.57545388 29
30 87.54099514 82.90345805 76.64924036 66.21177196 30

0 1 1 1 1 0
1 1.013333333 1.013159404 1.012909457 1.012445138 1
2 1.026844444 1.026491978 1.025985568 1.025045157 2
3 1.040535704 1.04 1.039230485 1.037801986 3
4 1.054409513 1.05368578 1.052646386 1.050717574 4
5 1.068468307 1.067551657 1.066235479 1.0637939 5
6 1.082714551 1.0816 1.08 1.077032961 6
7 1.097150745 1.095833211 1.093942214 1.090436785 7
8 1.111779421 1.110253723 1.108064413 1.104007421 8
9 1.126603147 1.124864 1.122368923 1.117746946 9
10 1.141624522 1.13966654 1.136858097 1.131657461 10
11 1.156846182 1.154663872 1.151534317 1.145741094 11
Anul h= Anul h=
1 1.172270798 1.16985856 1.1664 1.16 1
2 1.374218824 1.36856905 1.36048896 1.3456 2
3 1.610956598 1.601032219 1.586874323 1.560896 3
4 1.888477377 1.872981246 1.85093021 1.81063936 4
5 2.213806883 2.191123143 2.158924997 2.100341658 5
6 2.595181162 2.563304165 2.518170117 2.436396323 6
7 3.042255092 2.998703319 2.937193624 2.826219734 7
8 3.566346805 3.508058747 3.425942643 3.278414892 8
9 4.180724216 4.103932554 3.996019499 3.802961275 9
10 4.900940914 4.801020628 4.660957144 4.411435079 10
11 5.745229918 5.616515078 5.436540413 5.117264691 11
12 6.734965262 6.570528242 6.341180737 5.936027042 12
13 7.895203104 7.686588707 7.396353212 6.885791369 13
14 9.255316045 8.992221596 8.627106386 7.987517987 14
15 10.84973673 10.51962741 10.06265689 9.265520865 15
16 12.71882954 12.30647617 11.737083 10.7480042 16
17 14.90991245 14.39683649 13.69013361 12.46768488 17
18 17.47845497 16.84226241 15.96817184 14.46251446 18
19 20.48948236 19.70306485 18.62527563 16.77651677 19
20 24.01922185 23.04979907 21.7245215 19.46075945 20
21 28.15703237 26.96500475 25.33948187 22.57448097 21
22 33.00766681 31.54524163 29.55597166 26.18639792 22
23 38.69392392 36.90347094 34.47408534 30.37622159 23
24 45.35975708 43.17184138 40.21057314 35.23641704 24
25 53.17391864 50.50494818 46.90161251 40.87424377 25
26 62.33423205 59.08364596 54.70604084 47.41412277 26
27 73.07259996 69.11950898 63.80912603 55.00038241 27
28 85.66087509 80.86004924 74.4269646 63.8004436 28
29 100.4177424 94.59482077 86.81161151 74.00851458 29
30 117.7167871 110.6625608 101.2570637 85.84987691 30

0 1 1 1 1 0
1 1.014166667 1.013970581 1.01368952 1.013169611 1
2 1.028534028 1.028136338 1.027566442 1.026512661 2
3 1.043104927 1.0425 1.041633333 1.040031433 3
4 1.057882246 1.05706433 1.055892793 1.053728243 4
5 1.072868911 1.071832133 1.070347458 1.067605434 5
6 1.088067888 1.08680625 1.085 1.081665383 6
7 1.103482183 1.101989564 1.099853129 1.095910495 7
8 1.119114847 1.117384998 1.11490959 1.11034321 8
9 1.134968974 1.132995516 1.130172166 1.124965998 9
10 1.151047701 1.148824121 1.14564368 1.139781363 10
11 1.16735421 1.164873861 1.161326991 1.154791841 11
Anul h= Anul h=
1 1.183891728 1.181147825 1.177225 1.17 1
2 1.401599624 1.395110185 1.385858701 1.3689 2
3 1.659342201 1.64783136 1.631467509 1.601613 3
4 1.964481507 1.946332427 1.920604338 1.87388721 4
5 2.325733406 2.298906313 2.260983442 2.192448036 5
6 2.753416541 2.715348192 2.661686232 2.565164202 6
7 3.259747068 3.207227611 3.133403575 3.001242116 7
8 3.85918759 3.788209917 3.688721024 3.511453276 8
9 4.568860265 4.474435904 4.342454607 4.108400333 9
10 5.409035875 5.284970237 5.112046125 4.806828389 10
11 6.40371283 6.2423311 6.018028499 5.623989215 11
12 7.58130265 7.373115802 7.0845736 6.580067382 12
13 8.975441497 8.708739694 8.340137156 7.698678837 13
14 10.62595095 10.28630895 9.818217964 9.007454239 14
15 12.57997543 12.14965144 11.55825164 10.53872146 15
16 14.89332885 14.35053438 13.60666279 12.33030411 16
17 17.63208883 16.95010247 16.0181036 14.42645581 17
18 20.87448412 20.02057666 18.85691201 16.87895329 18
19 24.71312908 23.64726058 22.19882824 19.74837535 19
20 29.2576691 27.9309104 26.13301558 23.10559916 20
21 34.63791243 32.99053407 30.76443927 27.03355102 21
22 41.00753801 38.96669757 36.21666702 31.6292547 22
23 48.54848505 46.02543008 42.63516583 37.00622799 23
24 57.47614987 54.36283664 50.19118309 43.29728675 24
25 68.0455384 64.21054625 59.08631551 50.6578255 25
26 80.55855006 75.84214705 69.55788778 59.26965584 26
27 95.37260105 89.58078704 81.88528444 69.34549733 27
28 112.9108335 105.8081518 96.39740398 81.13423187 28
29 133.6742018 124.9750683 113.4814339 94.92705129 29
30 158.2557818 147.6140302 133.593181 111.06465 30

0 1 1 1 1 0
1 1.015 1.014780462 1.014466592 1.01388843 1
2 1.030225 1.029779385 1.029142467 1.027969749 2
3 1.045678375 1.045 1.044030651 1.042246635 3
4 1.061363551 1.060445582 1.059134217 1.056721805 4
5 1.077284004 1.076119458 1.074456279 1.071398012 5
6 1.093443264 1.092025 1.09 1.086278049 6
7 1.109844913 1.108165634 1.105768585 1.101364746 7
8 1.126492587 1.124544833 1.121765289 1.116660974 8
9 1.143389975 1.141166125 1.137993409 1.132169642 9
10 1.160540825 1.158033087 1.154456296 1.147893701 10
11 1.177948937 1.175149351 1.171157344 1.163836143 11
Anul h= Anul h=
1 1.195618171 1.192518601 1.1881 1.18 1
2 1.429502812 1.422100613 1.41158161 1.3924 2
3 1.709139538 1.695881433 1.677100111 1.643032 3
4 2.043478289 2.022370153 1.992562642 1.93877776 4
5 2.443219776 2.411714025 2.367363675 2.287757757 5
6 2.921157961 2.876013834 2.812664782 2.699554153 6
7 3.49258954 3.429699993 3.341727027 3.185473901 7
8 4.175803519 4.089981036 3.970305881 3.758859203 8
9 4.992666568 4.877378461 4.717120417 4.435453859 9
10 5.969322872 5.816364538 5.604410768 5.233835554 10
11 7.137030897 6.936122899 6.658600433 6.175925953 11
12 8.533163831 8.271455573 7.911083175 7.287592625 12
13 10.20240574 9.863864626 9.39915792 8.599359298 13
14 12.19818169 11.76284204 11.16713952 10.14724397 14
15 14.58436769 14.02740793 13.26767847 11.97374789 15
16 17.43733503 16.72794487 15.76332879 14.12902251 16
17 20.84839462 19.94838541 18.72841093 16.67224656 17
18 24.92671946 23.78882066 22.25122503 19.67325094 18
19 29.80283874 28.36861112 26.43668046 23.21443611 19
20 35.63281555 33.83009643 31.40942005 27.3930346 20
21 42.60324178 40.34301926 37.31753197 32.32378083 21
22 50.93721003 48.10980087 44.33695973 38.14206138 22
23 60.90145392 57.37183241 52.67674185 45.00763243 23
24 72.81488497 68.4169773 62.585237 53.10900627 24
25 87.05879963 81.58851803 74.35752008 62.6686274 25
26 104.0890828 97.29582535 88.3441696 73.94898033 26
27 124.4507989 116.0270815 104.9617079 87.25979679 27
28 148.7956366 138.3644529 124.7050052 102.9665602 28
29 177.9027669 165.0021837 148.1620166 121.500541 29
30 212.7037809 196.7681732 176.031292 143.3706384 30

0 1 1 1 1 0
1 1.015833333 1.015589052 1.0152407 1.014601687 1
2 1.031917361 1.031421123 1.030713679 1.029416583 2
3 1.048256053 1.0475 1.046422477 1.044447802 3
4 1.06485344 1.063829532 1.062370688 1.059698502 4
5 1.08171362 1.080413626 1.078561961 1.075171888 5
6 1.098840752 1.09725625 1.095 1.090871211 6
7 1.116239064 1.114361435 1.111688566 1.106799772 7
8 1.133912849 1.131733273 1.128631478 1.122960915 8
9 1.151866469 1.149375922 1.145832612 1.139358039 9
10 1.170104355 1.167293603 1.163295903 1.155994589 10
11 1.188631007 1.185490604 1.181025347 1.17287406 11
Anul h= Anul h=
1 1.207450998 1.203971278 1.199025 1.19 1
2 1.457937913 1.449546839 1.437660951 1.4161 2
3 1.760388588 1.74521276 1.723791421 1.685159 3
4 2.125582958 2.101186037 2.066869009 2.00533921 4
5 2.566537264 2.529767639 2.478227613 2.38635366 5
6 3.098967981 3.045767578 2.971456864 2.839760855 6
7 3.741851982 3.667016684 3.562851067 3.379315418 7
8 4.518102911 4.414982764 4.2719475 4.021385347 8
9 5.455387869 5.315512441 5.122171851 4.785448563 9
10 6.587113528 6.399724308 6.141612104 5.69468379 10
11 7.953616804 7.705084255 7.363946453 6.77667371 11
12 9.603602548 9.276700139 8.829555896 8.064241715 12
13 11.59587948 11.16888052 10.58685826 9.596447641 13
14 14.00145626 13.44701136 12.69390772 11.41977269 14
15 16.90607233 16.18981545 15.22031271 13.5895295 15
16 20.41325391 19.49207281 18.24953544 16.17154011 16
17 24.64800381 23.46789581 21.88164924 19.24413273 17
18 29.7612568 28.25467251 26.23664448 22.90051795 18
19 35.93525923 34.01781418 31.45839264 27.25161636 19
20 43.39006463 40.95647122 37.71939924 32.42942347 20
21 52.39137684 49.310415 45.22650267 38.59101393 21
22 63.26002026 59.36832338 54.22770736 45.92330658 22
23 76.38337461 71.47775618 65.02037682 54.64873482 23
24 92.22918191 86.05716547 77.96105732 65.03199444 24
25 111.3622178 103.6103555 93.47725675 77.38807338 25
26 134.464421 124.7438921 112.0815678 92.09180733 26
27 162.3591993 150.1880633 134.3886018 109.5892507 27
28 196.0407773 180.8221145 161.1352933 130.4112084 28
29 236.7096322 217.7046323 193.205245 155.1893379 29
30 285.8152817 262.1101244 231.6579189 184.6753122 30

0 1 1 1 1 0
1 1.016666667 1.016396357 1.016011868 1.01530947 1
2 1.033611111 1.033061554 1.032280115 1.030853321 2
3 1.050837963 1.05 1.048808848 1.046635139 3
4 1.068351929 1.067216175 1.065602237 1.062658569 4
5 1.086157794 1.084714632 1.082664519 1.078927309 5
6 1.104260424 1.1025 1.1 1.095445115 6
7 1.122664765 1.120576983 1.117613055 1.1122158 7
8 1.141375844 1.138950363 1.135508127 1.129243235 8
9 1.160398775 1.157625 1.153689733 1.146531351 9
10 1.179738755 1.176605833 1.17216246 1.164084139 10
11 1.199401067 1.195897882 1.190930971 1.18190565 11
Anul h= Anul h=
1 1.219391085 1.21550625 1.21 1.2 1
2 1.486914618 1.477455444 1.4641 1.44 2
3 1.813130429 1.795856326 1.771561 1.728 3
4 2.210915081 2.182874588 2.14358881 2.0736 4
5 2.695970139 2.653297705 2.59374246 2.48832 5
6 3.287441953 3.225099944 3.138428377 2.985984 6
7 4.00867741 3.920129138 3.797498336 3.5831808 7
8 4.888145496 4.764941469 4.594972986 4.29981696 8
9 5.960561039 5.791816136 5.559917313 5.159780352 9
10 7.268254992 7.039988712 6.727499949 6.191736422 10
11 8.86284534 8.55715028 8.140274939 7.430083707 11
12 10.80727459 10.40126965 9.849732676 8.916100448 12
13 13.17829429 12.64280826 11.91817654 10.69932054 13
14 16.06949458 15.36741246 14.42099361 12.83918465 14
15 19.59499842 18.67918589 17.44940227 15.40702157 15
16 23.89396639 22.7046672 21.11377675 18.48842589 16
17 29.1360896 27.59766488 25.54766986 22.18611107 17
18 35.5282879 33.54513415 30.91268053 26.62333328 18
19 43.32287753 40.77432022 37.40434344 31.94799994 19
20 52.82753063 49.56144107 45.25925557 38.33759992 20
21 64.41741989 60.24224138 54.76369924 46.00511991 21
22 78.55002753 73.22482091 66.26407608 55.20614389 22
23 95.78320328 89.00522747 80.17953205 66.24737267 23
24 116.7971842 108.1864103 97.01723378 79.4968472 24
25 142.4214451 131.5012578 117.3908529 95.39621664 25
26 173.6674405 159.8406008 142.042932 114.47546 26
27 211.7685287 194.2872493 171.8719477 137.370552 27
28 258.2286559 236.1573658 207.9650567 164.8446624 28
29 314.8817209 287.0507541 251.6377186 197.8135948 29
30 383.9639632 348.9119857 304.4816395 237.3763138 30

0 1 1 1 1 0
1 1.0175 1.017202381 1.01678012 1.016011868 1
2 1.03530625 1.034700684 1.033841812 1.032280115 2
3 1.053424109 1.0525 1.051189802 1.048808848 3
4 1.071859031 1.070605506 1.068828893 1.065602237 4
5 1.090616564 1.08902247 1.08676397 1.082664519 5
6 1.109702354 1.10775625 1.105 1.1 6
7 1.129122145 1.126812295 1.123542033 1.117613055 7
8 1.148881783 1.14619615 1.142395203 1.135508127 8
9 1.168987214 1.165913453 1.161564731 1.153689733 9
10 1.18944449 1.185969941 1.181055927 1.17216246 10
11 1.210259769 1.206371448 1.200874187 1.190930971 11
Anul h= Anul h=
1 1.231439315 1.227123909 1.221025 1.21 1
2 1.516442786 1.505833089 1.490902051 1.4641 2
3 1.867407266 1.847843787 1.820428676 1.771561 3
4 2.299598724 2.267533292 2.222788925 2.14358881 4
5 2.831816278 2.782544318 2.714080847 2.59374246 5
6 3.487209897 3.414526662 3.313960566 3.138428377 6
7 4.294287367 4.190047306 4.0464287 3.797498336 7
8 5.288154293 5.141707231 4.940790603 4.594972986 8
9 6.5120411 6.309511878 6.032828846 5.559917313 9
10 8.019183431 7.742552882 7.366234842 6.727499949 10
11 9.875137751 9.501071762 8.994356898 8.140274939 11
12 12.16063287 11.65899232 10.98233463 9.849732676 12
13 14.97508141 14.30702824 13.40970514 11.91817654 13
14 18.44090399 17.55649643 16.37358522 14.42099361 14
15 22.70885418 21.54399653 19.9925569 17.44940227 15
16 27.96457583 26.43715325 24.41141178 21.11377675 16
17 34.4366781 32.44166285 29.80694407 25.54766986 17
18 42.40667929 39.80994014 36.39502389 30.91268053 18
19 52.2212521 48.85172938 44.43923404 37.40434344 19
20 64.30730291 59.94712514 54.26141575 45.25925557 20
21 79.19054104 73.56255055 66.25454516 54.76369924 21
22 97.5183456 90.27036462 80.89845601 66.26407608 22
23 120.0879247 110.7729227 98.77903724 80.17953205 23
24 147.8809917 135.932102 120.611674 97.01723378 24
25 182.1064672 166.8055324 147.2698692 117.3908529 25
26 224.2530632 204.6910571 179.820192 142.042932 26
27 276.1540385 251.1812902 219.56495 171.8719477 27
28 340.0669399 308.2305668 268.094293 207.9650567 28
29 418.7717996 378.2370981 327.3498342 251.6377186 29
30 515.692058 464.1437865 399.7023312 304.4816395 30

0 1 1 1 1 0
1 1.018333333 1.01800713 1.017545481 1.016708964 1
2 1.037002778 1.036338517 1.035398805 1.033697117 2
3 1.056014495 1.055 1.053565375 1.050969125 3
4 1.075374761 1.073997522 1.072050686 1.06852973 4
5 1.095089965 1.093337136 1.090860331 1.086383755 5
6 1.115166614 1.113025 1.11 1.104536102 6
7 1.135611336 1.133067386 1.129475484 1.122991756 7
8 1.156430877 1.153470678 1.149292674 1.141755784 8
9 1.17763211 1.174241375 1.169457567 1.16083334 9
10 1.199222032 1.195386092 1.189976262 1.180229663 10
11 1.221207769 1.216911566 1.210854967 1.199950078 11
Anul h= Anul h=
1 1.243596578 1.238824651 1.2321 1.22 1
2 1.546532449 1.534686515 1.51807041 1.4884 2
3 1.923262461 1.901207486 1.870414552 1.815848 3
4 2.391762615 2.355262699 2.30453777 2.21533456 4
5 2.974387803 2.917757491 2.839420986 2.702708163 5
6 3.698938493 3.614589904 3.498450597 3.297303959 6
7 4.599987252 4.477843075 4.31044098 4.02271083 7
8 5.720528406 5.547262383 5.310894332 4.907707213 8
9 7.114029549 6.872085383 6.543552907 5.9874028 9
10 8.846982803 8.513308774 8.062311536 7.304631415 10
11 11.00207754 10.54649677 9.933574044 8.911650327 11
12 13.68214598 13.06526017 12.23915658 10.8722134 12
13 17.01506992 16.18556637 15.07986482 13.26410035 13
14 21.15988272 20.0510786 18.57990145 16.18220242 14
15 26.31435774 24.83977045 22.89229657 19.74228696 15
16 32.72444524 30.77211994 28.20559861 24.08559009 16
17 40.69600811 38.12126074 34.75211804 29.3844199 17
18 50.60941643 47.22555751 42.81808464 35.84899228 18
19 62.93769708 58.50418479 52.75616209 43.73577059 19
20 78.26910471 72.47642628 65.00086731 53.35764012 20
21 97.33519078 89.78558347 80.08756861 65.09632094 21
22 121.0457102 111.2285941 98.67589328 79.41751155 22
23 150.5320309 137.7927242 121.5785681 96.88936409 23
24 187.2011185 170.7010234 149.7969538 118.2050242 24
25 232.8026704 211.4686357 184.5648267 144.2101295 25
26 289.5126043 261.9725587 227.402323 175.936358 26
27 360.0368839 324.5380635 280.1824022 214.6423568 27
28 447.7406368 402.0457531 345.2127378 261.8636752 28
29 556.8087237 498.0641897 425.3366142 319.4736838 29
30 692.4454234 617.0141958 524.0572423 389.7578942 30

0 1 1 1 1 0
1 1.019166667 1.018810609 1.018307974 1.017400842 1
2 1.038700694 1.037975057 1.03695113 1.035104473 2
3 1.058609124 1.0575 1.055935604 1.053116162 3
4 1.078899133 1.077392219 1.075267646 1.07144127 4
5 1.099578033 1.097658623 1.094953618 1.09008525 5
6 1.120653278 1.11830625 1.115 1.109053651 6
7 1.142132466 1.139342272 1.135413391 1.128352118 7
8 1.164023338 1.160773994 1.15620051 1.147986394 8
9 1.186333786 1.182608859 1.177368199 1.167962324 9
10 1.20907185 1.204854452 1.198923425 1.188285852 10
11 1.232245727 1.227518498 1.220873284 1.208963026 11
Anul h= Anul h=
1 1.25586377 1.250608869 1.243225 1.23 1
2 1.577193809 1.564022543 1.545608401 1.5129 2
3 1.980740564 1.955980463 1.921539004 1.860867 3
4 2.487540312 2.446166514 2.388905328 2.28886641 4
5 3.124011755 3.059197537 2.969946827 2.815305684 5
6 3.92333318 3.825859571 3.692312143 3.462825992 6
7 4.927171999 4.78465391 4.590374764 4.25927597 7
8 6.187856804 5.983730614 5.706868667 5.238909443 8
9 7.771105175 7.483306575 7.094921798 6.443858615 9
10 9.759449443 9.35868957 8.820584152 7.925946096 10
11 12.25653897 11.70406018 10.96597073 9.748913698 11
12 15.39254324 14.63720146 13.63316896 11.99116385 12
13 19.33093739 18.30541396 16.94909649 14.74913153 13
14 24.27702391 22.89291304 21.07154048 18.14143179 14
15 30.48863478 28.63008008 26.19666591 22.3139611 15
16 38.28957182 35.80503207 32.56834998 27.44617215 16
17 48.08648603 44.77809065 40.4897869 33.75879174 17
18 60.39007564 55.99987729 50.33791532 41.52331385 18
19 75.84170807 70.0339432 62.58135477 51.07367603 19
20 95.24685344 87.58507048 77.80270479 62.82062152 20
21 119.6170725 109.5346659 96.72626766 77.26936447 21
22 150.2227476 136.9850246 120.2525141 95.04131829 22
23 188.6593062 171.3146867 149.5009319 116.9008215 23
24 236.9303875 214.2476665 185.863296 143.7880104 24
25 297.5522897 267.9400319 231.0698962 176.8592528 25
26 373.6851404 335.0881802 287.2718717 217.536881 26
27 469.2976293 419.0642499 357.1435727 267.5703636 27
28 589.3738901 524.0854676 444.0098181 329.1115473 28
29 740.1733156 655.4259338 552.0041061 404.8072031 29
30 929.5568507 819.6814856 686.2653049 497.9128599 30

0 1 1 1 1 0
1 1.02 1.019612822 1.019067623 1.018087582 1
2 1.0404 1.039610308 1.03849882 1.036502326 2
3 1.061208 1.06 1.058300524 1.055250147 3
4 1.08243216 1.080789592 1.0784798 1.074337071 4
5 1.104080803 1.101986926 1.099043846 1.093769231 5
6 1.126162419 1.1236 1.12 1.113552873 6
7 1.148685668 1.145636967 1.141355738 1.133694352 7
8 1.171659381 1.168106142 1.163118679 1.154200142 8
9 1.195092569 1.191016 1.185296587 1.175076832 9
10 1.21899442 1.214375185 1.207897376 1.196331132 10
11 1.243374308 1.23819251 1.230929108 1.21796987 11
Anul h= Anul h=
1 1.268241795 1.26247696 1.2544 1.24 1
2 1.608437249 1.593848075 1.57351936 1.5376 2
3 2.039887344 2.012196472 1.973822685 1.906624 3
4 2.587070385 2.540351685 2.475963176 2.36421376 4
5 3.281030788 3.207135472 3.105848208 2.931625062 5
6 4.161140375 4.048934641 3.895975993 3.635215077 6
7 5.277332137 5.111686697 4.887112285 4.507666696 7
8 6.69293318 6.453386682 6.13039365 5.589506703 8
9 8.488257586 8.147252 7.689965795 6.930988312 9
10 10.76516303 10.28571794 9.646293093 8.594425506 10
11 13.65282969 12.98548191 12.10031006 10.65708763 11
12 17.31508922 16.39387173 15.17862893 13.21478866 12
13 21.95971983 20.69688534 19.04007214 16.38633794 13
14 27.85023448 26.12934089 23.88386649 20.31905904 14
15 35.32083136 32.98769085 29.95992212 25.19563321 15
16 44.79535455 41.64619967 37.58172631 31.24258518 16
17 56.81134084 52.57736755 47.14251748 38.74080563 17
18 72.05051685 66.37771515 59.13557393 48.03859898 18
19 91.37747679 83.80033603 74.17966394 59.56786273 19
20 115.8887352 105.7959935 93.05097044 73.86414979 20
21 146.9749374 133.5650042 116.7231373 91.59154574 21
22 186.3997584 168.6227405 146.4175035 113.5735167 22
23 236.3999641 212.8823248 183.6661163 140.8311607 23
24 299.8123147 268.7590303 230.3907763 174.6306393 24
25 380.2345081 339.3020835 289.0021898 216.5419927 25
26 482.2292949 428.3610629 362.5243469 268.512071 26
27 611.5833463 540.7959725 454.7505408 332.954968 27
28 775.6355606 682.7424553 570.4390784 412.8641603 28
29 983.6934354 861.9466195 715.5587799 511.9515588 29
30 1247.561128 1088.187748 897.5969335 634.8199329 30

0 1 1 1 1 0
1 1.020833333 1.020413775 1.019824451 1.018769265 1
2 1.042100694 1.041244273 1.040041912 1.037890816 2
3 1.063811126 1.0625 1.060660172 1.057371263 3
4 1.085973857 1.084189636 1.081687178 1.077217345 4
5 1.108598313 1.10632204 1.103131033 1.097435923 5
6 1.131694111 1.12890625 1.125 1.118033989 6
7 1.155271072 1.151951489 1.147302508 1.139018665 7
8 1.179339219 1.175467168 1.17004715 1.160397208 8
9 1.203908786 1.199462891 1.193242693 1.182177011 9
10 1.228990219 1.223948457 1.216898075 1.204365605 10
11 1.254594182 1.248933866 1.241022412 1.226970662 11
Anul h= Anul h=
1 1.280731561 1.274429321 1.265625 1.25 1
2 1.64027333 1.624170095 1.601806641 1.5625 2
3 2.100749822 2.069889992 2.02728653 1.953125 3
4 2.690496599 2.637928497 2.565784514 2.44140625 4
5 3.445803908 3.361853425 3.247321025 3.051757813 5
6 4.413149816 4.284444578 4.109890673 3.814697266 6
7 5.652060252 5.460221796 5.201580383 4.768371582 7
8 7.238771947 6.958666757 6.583250172 5.960464478 8
9 9.270923693 8.868328952 8.331925999 7.450580597 9
10 11.87356457 11.30205845 10.54509384 9.313225746 10
11 15.20684888 14.40367468 13.34613439 11.64153218 11
12 19.4758913 18.35646534 16.89120134 14.55191523 12
13 24.94338866 23.39401767 21.3779267 18.18989404 13
14 31.94578509 29.81402206 27.05643848 22.73736754 14
15 40.91397519 37.9958639 34.24330495 28.42170943 15
16 52.3998193 48.42304304 43.33918283 35.52713679 16
17 67.11010236 61.71174587 54.85115327 44.40892099 17
18 85.95002613 78.64725841 69.42099085 55.51115123 18
19 110.0789111 100.2303722 87.86094155 69.38893904 19
20 140.9815356 127.7365252 111.1990041 86.7361738 20
21 180.5595021 162.7911731 140.7362396 108.4202172 21
22 231.2482529 207.4658442 178.1193033 135.5252716 22
23 296.1669359 264.400555 225.4322432 169.4065895 23
24 379.310342 336.9598199 285.3126828 211.7582368 24
25 485.7947263 429.4314745 361.0988642 264.697796 25
26 622.172638 547.2800626 457.01575 330.872245 26
27 796.8361336 697.4697588 578.4105586 413.5903063 27
28 1020.533185 888.8759113 732.0508632 516.9878828 28
29 1307.029059 1132.809524 926.5018737 646.2348536 29
30 1673.953366 1443.685673 1172.603934 807.7935669 30

0 1 1 1 1 0
1 1.021666667 1.021213473 1.020578482 1.019445967 1
2 1.043802778 1.042876958 1.041580437 1.03927008 2
3 1.066418505 1.065 1.063014581 1.059479691 3
4 1.089524239 1.087592349 1.084889807 1.080082298 4
5 1.113130597 1.11066396 1.107215192 1.101085543 5
6 1.137248427 1.134225 1.13 1.122497216 6
7 1.16188881 1.158285852 1.153253684 1.14432526 7
8 1.187063067 1.182857117 1.176985894 1.166577771 8
9 1.212782767 1.207949625 1.201206477 1.189263004 9
10 1.239059727 1.233574432 1.225925482 1.212389373 10
11 1.265906021 1.25974283 1.251153167 1.235965457 11
Anul h= Anul h=
1 1.293333985 1.286466351 1.2769 1.26 1
2 1.672712796 1.654995671 1.63047361 1.5876 2
3 2.163376306 2.129096242 2.081951753 2.000376 3
4 2.797968098 2.739010672 2.658444193 2.52047376 4
5 3.61870723 3.523645064 3.39456739 3.175796938 5
6 4.680197041 4.533050806 4.3345231 4.001504141 6
7 6.053057889 5.831617327 5.534752547 5.041895218 7
8 7.828625479 7.502179461 7.067325527 6.352787975 8
9 10.12502739 9.651301433 9.024267965 8.004512848 9
10 13.09504201 12.41607453 11.52308776 10.08568619 10
11 16.93626287 15.97286209 14.71383077 12.7079646 11
12 21.90424434 20.54854961 18.78809051 16.01203539 12
13 28.32950362 26.43501762 23.99051277 20.1751646 13
14 36.6395098 34.00776065 30.63348575 25.42070739 14
15 47.38712321 43.74983974 39.11589796 32.03009131 15
16 61.28737689 56.28269667 49.9470901 40.35791505 16
17 79.26504737 72.40579539 63.77743935 50.85097297 17
18 102.5161796 93.14761936 81.43741231 64.07222594 18
19 132.587659 119.8312779 103.9874318 80.73100468 19
20 171.4801254 154.1589068 132.7815516 101.7210659 20
21 221.7810738 198.3202463 169.5487633 128.168543 21
22 286.837 255.1323235 216.4968158 161.4923642 22
23 370.9760402 328.2191491 276.4447841 203.4803789 23
24 479.7959203 422.242891 352.9923449 256.3852774 24
25 620.5363694 543.201271 450.7359252 323.0454496 25
26 802.5607754 698.8101568 575.5447028 407.0372665 26
27 1037.979126 898.9957522 734.913031 512.8669557 27
28 1342.453679 1156.527785 938.4104493 646.2123642 28
29 1736.240965 1487.834078 1198.256303 814.2275789 29
30 2245.539446 1914.048477 1530.053473 1025.926749 30

0 1 1 1 1 0
1 1.0225 1.02201192 1.021329737 1.020117763 1
2 1.04550625 1.044508365 1.043114431 1.040640251 2
3 1.069030141 1.0675 1.065363788 1.061575606 3
4 1.093083319 1.090997725 1.088087717 1.082932133 4
5 1.117677693 1.11501268 1.111296341 1.104718305 5
6 1.142825442 1.13955625 1.135 1.126942767 6
7 1.168539014 1.164640071 1.159209251 1.149614335 7
8 1.194831142 1.190276036 1.18393488 1.172742004 8
9 1.221714843 1.216476297 1.209187899 1.196334951 9
10 1.249203426 1.243253276 1.234979559 1.220402534 10
11 1.277310504 1.270619668 1.261321348 1.244954304 11
Anul h= Anul h=
1 1.30604999 1.298588447 1.288225 1.27 1
2 1.705766576 1.686331954 1.659523651 1.6129 2
3 2.227816419 2.189851194 2.137839855 2.048383 3
4 2.909639612 2.843715461 2.754018747 2.60144641 4
5 3.800134786 3.692816043 3.5477958 3.303836941 5
6 4.963165999 4.795448251 4.570359245 4.195872915 6
7 6.482142902 6.227313696 5.887651038 5.328758602 7
8 8.466002672 8.086717621 7.584619259 6.767523424 8
9 11.0570227 10.50131808 9.770696145 8.594754749 9
10 14.44102439 13.63689033 12.58685504 10.91533853 10
11 18.86069976 17.70870824 16.21470134 13.86247993 11
12 24.63301673 22.99632392 20.88818363 17.60534952 12
13 32.17195125 29.86276057 26.90868035 22.35879389 13
14 42.01817661 38.77943587 34.66443475 28.39566823 14
15 54.87783913 50.3585274 44.65559145 36.06249866 15
16 71.67320125 65.39500188 57.5264493 45.7993733 16
17 93.60878376 84.92119393 74.10701015 58.16520409 17
18 122.2577511 110.2776813 95.46650315 73.86980919 18
19 159.6747346 143.2053229 122.982336 93.81465767 19
20 208.5431855 185.9647779 158.4289198 119.1446152 20
21 272.3678253 241.4917121 204.0920952 151.3136614 21
22 355.7259954 313.5983474 262.9165394 192.1683499 22
23 464.5959328 407.2351909 338.6956589 244.0538044 23
24 606.7855133 528.830914 436.3162152 309.9483316 24
25 792.4922135 686.7337154 562.0734564 393.6343811 25
26 1035.034447 891.7844689 724.0770784 499.915664 26
27 1351.80673 1158.061008 932.7741943 634.8928933 27
28 1765.527165 1503.844646 1201.623036 806.3139745 28
29 2305.866737 1952.875284 1547.960836 1024.018748 29
30 3011.577228 2535.981282 1994.121848 1300.503809 30

0 1 1 1 1 0
1 1.023333333 1.022809122 1.022078239 1.020784728 1
2 1.047211111 1.0461385 1.044643927 1.042001462 2
3 1.071646037 1.07 1.067707825 1.063659179 3
4 1.096651111 1.09440576 1.091280934 1.085767047 4
5 1.122239637 1.119368195 1.115374495 1.10833442 5
6 1.148425229 1.1449 1.14 1.13137085 6
7 1.175221817 1.171014164 1.165169193 1.154886086 7
8 1.20264366 1.197723968 1.190894077 1.17889008 8
9 1.230705345 1.225043 1.217186921 1.20339299 9
10 1.259421803 1.252985155 1.244060265 1.228405186 10
11 1.288808312 1.281564646 1.271526925 1.253937255 11
Anul h= Anul h=
1 1.318880506 1.31079601 1.2996 1.28 1
2 1.739445789 1.71818618 1.68896016 1.6384 2
3 2.294121142 2.252191589 2.194972624 2.097152 3
4 3.025671652 2.952163749 2.852586422 2.68435456 4
5 3.99049936 3.869684462 3.707221314 3.435973837 5
6 5.262991814 5.072366953 4.81790482 4.398046511 6
7 6.941257307 6.648838364 6.261349104 5.629499534 7
8 9.154688948 8.715270798 8.137249295 7.205759404 8
9 12.07394079 11.42394219 10.57516918 9.223372037 9
10 15.92408514 14.97445784 13.74348987 11.80591621 10
11 21.00196546 19.62845959 17.86103944 15.11157275 11
12 27.69908284 25.72890651 23.21220685 19.34281311 12
13 36.53178039 33.72534799 30.16658403 24.75880079 13
14 48.181053 44.20705159 39.2044926 31.69126501 14
15 63.54505155 57.94642683 50.95015858 40.56481921 15
16 83.80832974 75.95594509 66.21482609 51.92296859 16
17 110.5331723 99.56274976 86.05278799 66.46139979 17
18 145.7800462 130.5064551 111.8342033 85.07059173 18
19 192.2664611 171.0673407 145.3397306 108.8903574 19
20 253.5764875 224.2343876 188.8835139 139.3796575 20
21 334.4370861 293.9255405 245.4730146 178.4059616 21
22 441.0825534 385.2764258 319.0167298 228.3596308 22
23 581.7351811 505.0188017 414.594142 292.3003275 23
24 767.23919 661.9766302 538.806547 374.1444192 24
25 1011.896811 867.7163256 700.2329885 478.9048565 25
26 1334.570978 1137.399097 910.0227918 612.9982163 26
27 1760.139647 1490.898199 1182.66562 784.6377169 27
28 2321.413868 1954.26341 1536.99224 1004.336278 28
29 3061.667496 2561.64068 1997.475115 1285.550435 29
30 4037.973577 3357.788383 2595.91866 1645.504557 30

0 1 1 1 1 0
1 1.024166667 1.023605082 1.022824011 1.021446934 1
2 1.048917361 1.047767365 1.046168957 1.043353839 2
3 1.074266197 1.0725 1.070046728 1.06573058 3
4 1.10022763 1.097816451 1.094469486 1.088587233 4
5 1.126816465 1.123730499 1.119449669 1.111934092 5
6 1.154047863 1.15025625 1.145 1.135781669 6
7 1.181937353 1.177408144 1.171133492 1.160140704 7
8 1.210500839 1.20520096 1.197863455 1.185022165 8
9 1.239754609 1.233649828 1.225203504 1.210437257 9
10 1.269715345 1.262770234 1.253167561 1.236397425 10
11 1.300400133 1.29257803 1.281769871 1.262914359 11
Anul h= Anul h=
1 1.33182647 1.323089441 1.311025 1.29 1
2 1.773761745 1.750565668 1.718786551 1.6641 2
3 2.362342842 2.316154951 2.253372138 2.146689 3
4 3.146230728 3.064480158 2.954227207 2.76922881 4
5 4.190233362 4.054581338 3.873065724 3.572305165 5
6 5.580663705 5.364573755 5.07768599 4.608273663 6
7 7.43247564 7.097810889 6.656973275 5.944673025 7
8 9.898767791 9.391038639 8.727458388 7.668628202 8
9 13.18344096 12.42518406 11.44191613 9.892530381 9
10 17.55805563 16.43962983 15.0006381 12.76136419 10
11 23.38428324 21.75110063 19.66621156 16.46215981 11
12 31.14380739 28.77865157 25.78289502 21.23618615 12
13 41.47814704 38.07673001 33.80201994 27.39468013 13
14 55.24169414 50.37891941 44.31529319 35.33913737 14
15 73.57235047 66.6558163 58.09845725 45.58748721 15
16 97.98560378 88.19160671 76.16852992 58.8078585 16
17 130.4998207 116.6853836 99.85884694 75.86213747 17
18 173.8031155 154.3851989 130.9174448 97.86215733 18
19 231.4755897 204.2654265 171.6360431 126.242183 19
20 308.2853175 270.2614289 225.0191434 162.852416 20
21 410.582546 357.5800428 295.0057224 210.0796167 21
22 546.8247026 473.1103788 386.7598773 271.0027055 22
23 728.2756131 625.9673464 507.0518681 349.5934901 23
24 969.9367387 828.2107862 664.7576754 450.9756022 24
25 1291.787422 1095.796946 871.5139313 581.7585269 25
26 1720.436682 1449.837368 1142.576552 750.4684997 26
27 2291.323112 1918.264513 1497.946424 968.1043646 27
28 3051.644771 2538.035521 1963.84521 1248.85463 28
29 4064.261282 3358.047998 2574.650167 1611.022473 29
30 5412.890754 4442.997847 3375.430735 2078.21899 30

0 1 1 1 1 0
1 1.025 1.024399807 1.023567073 1.022104451 1
2 1.050625 1.049394965 1.047689553 1.044697508 2
3 1.076890625 1.075 1.072380529 1.067789972 3
4 1.103812891 1.101229793 1.0976534 1.091392883 4
5 1.131408213 1.128099587 1.123521878 1.115517523 5
6 1.159693418 1.155625 1.15 1.140175425 6
7 1.188685754 1.183822027 1.177102134 1.165378376 7
8 1.218402898 1.212707057 1.204842986 1.191138425 8
9 1.24886297 1.242296875 1.233237609 1.217467886 9
10 1.280084544 1.272608679 1.26230141 1.244379344 10
11 1.312086658 1.303660086 1.292050159 1.271885666 11
Anul h= Anul h=
1 1.344888824 1.335469141 1.3225 1.3 1
2 1.80872595 1.783477826 1.74900625 1.69 2
3 2.432535316 2.381779599 2.313060766 2.197 3
4 3.271489561 3.180793154 3.059022863 2.8561 4
5 4.399789749 4.2478511 4.045557736 3.71293 5
6 5.917228062 5.672874058 5.350250105 4.826809 6
7 7.958013891 7.575948244 7.075705764 6.2748517 7
8 10.70264395 10.11744509 9.357620874 8.15730721 8
9 14.39386623 13.5115357 12.37545361 10.60449937 9
10 19.35814983 18.04423897 16.36653739 13.78584918 10
11 26.03455937 24.09752431 21.6447457 17.92160394 11
12 35.01358794 32.18150008 28.62517619 23.29808512 12
13 47.08938312 42.97740026 37.85679551 30.28751066 13
14 63.3299851 57.39499179 50.06561207 39.37376386 14
15 85.17178919 76.64924036 66.21177196 51.18589301 15
16 114.5465874 102.3626952 87.56506841 66.54166092 16
17 154.0524253 136.7022205 115.804803 86.50415919 17
18 207.1833851 182.561597 153.1518519 112.455407 18
19 278.6386192 243.805379 202.5433242 146.192029 19
20 374.737965 325.59456 267.8635462 190.0496377 20
21 503.9809011 434.8214872 354.2495399 247.0645291 21
22 677.7982816 580.6906779 468.4950165 321.1838878 22
23 911.563334 775.4944806 619.5846593 417.5390541 23
24 1225.95134 1035.648948 819.400712 542.8007704 24
25 1648.768257 1383.07721 1083.657442 705.6410015 25
26 2217.410002 1847.056933 1433.136966 917.3333019 26
27 2982.169931 2466.687535 1895.323638 1192.533293 27
28 4010.687012 3294.185082 2506.565512 1550.29328 28
29 5393.92814 4399.282521 3314.932889 2015.381264 29
30 7254.233675 5875.106048 4383.998746 2619.995644 30
1
Factorii de actualizare z = pentru ra= 1 %
(1 + ra )h
0 1 1 1 1 0
1 0.999167361 0.999168053 0.999169088 0.999171 1
2 0.998335414 0.998336798 0.998338867 0.998343 2
3 0.997504161 0.997506234 0.997509336 0.997516 3
4 0.9966736 0.996676362 0.996680494 0.996689 4
5 0.99584373 0.99584718 0.995852341 0.995863 5
6 0.995014551 0.995018688 0.995024876 0.995037 6
7 0.994186063 0.994190885 0.994198098 0.994212 7
8 0.993358264 0.99336377 0.993372007 0.993388 8
9 0.992531155 0.992537344 0.992546603 0.992565 9
10 0.991704734 0.991711606 0.991721885 0.991742 10
11 0.990879002 0.990886554 0.990897852 0.99092 11
Anul h= Anul h=
1 0.990053957 0.990062189 0.990074503 0.990099 1
2 0.980206837 0.980223138 0.980247522 0.980296 2
3 0.970457657 0.970481865 0.970518078 0.97059 3
4 0.960805444 0.9608374 0.960885204 0.96098 4
5 0.951249231 0.951288779 0.951347941 0.951466 5
6 0.941788065 0.941835051 0.94190534 0.942045 6
7 0.932421 0.932475272 0.932556461 0.932718 7
8 0.9231471 0.923208509 0.923300375 0.923483 8
9 0.913965439 0.914033837 0.91413616 0.91434 9
10 0.904875099 0.904950342 0.905062904 0.905287 10
11 0.895875173 0.895957116 0.896079705 0.896324 11
12 0.886964759 0.887053263 0.887185669 0.887449 12
13 0.878142969 0.878237896 0.87837991 0.878663 13
14 0.869408921 0.869510133 0.869661553 0.869963 14
15 0.860761742 0.860869106 0.86102973 0.861349 15
16 0.852200569 0.852313951 0.852483582 0.852821 16
17 0.843724545 0.843843816 0.844022259 0.844377 17
18 0.835332824 0.835457856 0.835644919 0.836017 18
19 0.827024568 0.827155233 0.827350728 0.82774 19
20 0.818798946 0.818935121 0.819138861 0.819544 20
21 0.810655136 0.810796698 0.8110085 0.81143 21
22 0.802592325 0.802739154 0.802958838 0.803396 22
23 0.794609707 0.794761684 0.794989073 0.795442 23
24 0.786706484 0.786863492 0.787098411 0.787566 24
25 0.778881867 0.779043791 0.779286068 0.779768 25
26 0.771135075 0.771301801 0.771551267 0.772048 26
27 0.763465332 0.76363675 0.763893237 0.764404 27
28 0.755871872 0.756047872 0.756311217 0.756836 28
29 0.748353938 0.748534411 0.748804453 0.749342 29
30 0.740910777 0.741095617 0.741372196 0.741923 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.998336106 0.998338867 0.998342986 0.998351 1
2 0.996674982 0.996680494 0.996688717 0.996705 2
3 0.99501662 0.995024876 0.99503719 0.995062 3
4 0.993361019 0.993372007 0.9933884 0.993421 4
5 0.991708172 0.991721885 0.991742341 0.991783 5
6 0.990058075 0.990074503 0.99009901 0.990148 6
7 0.988410724 0.988429858 0.988458402 0.988515 7
8 0.986766114 0.986787945 0.986820512 0.986885 8
9 0.98512424 0.985148759 0.985185337 0.985258 9
10 0.983485098 0.983512297 0.983552871 0.983633 10
11 0.981848684 0.981878552 0.98192311 0.982011 11
Anul h= Anul h=
1 0.980214992 0.980247522 0.980296049 0.980392 1
2 0.96082143 0.960885204 0.960980344 0.961169 2
3 0.941811571 0.94190534 0.942045235 0.942322 3
4 0.923177821 0.923300375 0.923483222 0.923845 4
5 0.904912741 0.905062904 0.905286955 0.905731 5
6 0.887009035 0.887185669 0.887449225 0.887971 6
7 0.869459554 0.869661553 0.86996297 0.87056 7
8 0.85225729 0.852483582 0.852821262 0.85349 8
9 0.835395372 0.835644919 0.836017314 0.836755 9
10 0.818867068 0.819138861 0.81954447 0.820348 10
11 0.802665777 0.802958838 0.803396207 0.804263 11
12 0.786785028 0.787098411 0.787566127 0.788493 12
13 0.77121848 0.771551267 0.772047963 0.773033 13
14 0.755959916 0.756311217 0.756835568 0.757875 14
15 0.741003243 0.741372196 0.741922918 0.743015 15
16 0.726342488 0.726728258 0.727304105 0.728446 16
17 0.711971796 0.712373574 0.712973341 0.714163 17
18 0.697885428 0.69830243 0.69892495 0.700159 18
19 0.684077759 0.684509227 0.685153367 0.686431 19
20 0.670543275 0.670988473 0.671653139 0.672971 20
21 0.657276571 0.657734788 0.658418919 0.659776 21
22 0.644272349 0.644742896 0.645445465 0.646839 22
23 0.631525415 0.632007626 0.632727639 0.634156 23
24 0.61903068 0.619523909 0.620260405 0.621721 24
25 0.606783153 0.607286776 0.608038825 0.609531 25
26 0.594777943 0.595291357 0.596058058 0.597579 26
27 0.583010257 0.583532878 0.584313359 0.585862 27
28 0.571475394 0.572006657 0.572800078 0.574375 28
29 0.560168749 0.560708108 0.561513653 0.563112 29
30 0.549085806 0.549632733 0.550449616 0.552071 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.997506234 0.997512428 0.997521641 0.99754 1
2 0.995018688 0.995031043 0.995049424 0.995086 2
3 0.992537344 0.992555831 0.992583334 0.992638 3
4 0.990062189 0.990086777 0.990123356 0.990195 4
5 0.987593206 0.987623864 0.987669475 0.987759 5
6 0.98513038 0.985167078 0.985221675 0.985329 6
7 0.982673696 0.982716404 0.982779942 0.982905 7
8 0.980223138 0.980271825 0.98034426 0.980487 8
9 0.977778691 0.977833328 0.977914615 0.978075 9
10 0.97534034 0.975400897 0.975490991 0.975669 10
11 0.97290807 0.972974517 0.973073374 0.973268 11
Anul h= Anul h=
1 0.970481865 0.970554172 0.970661749 0.970874 1
2 0.941835051 0.941975401 0.94218423 0.942596 2
3 0.914033837 0.914238155 0.914542193 0.915142 3
4 0.887053263 0.887317655 0.887711124 0.888487 4
5 0.860869106 0.861189852 0.861667232 0.862609 5
6 0.835457856 0.835831404 0.836387422 0.837484 6
7 0.810796698 0.811219656 0.811849277 0.813092 7
8 0.786863492 0.787332622 0.788031039 0.789409 8
9 0.76363675 0.764148961 0.764911587 0.766417 9
10 0.741095617 0.741647962 0.742470418 0.744094 10
11 0.719219857 0.719809523 0.720687634 0.722421 11
12 0.697989829 0.698614136 0.69954392 0.70138 12
13 0.677386471 0.678042864 0.679020524 0.680951 13
14 0.657391286 0.658077331 0.659099249 0.661118 14
15 0.637986321 0.638699699 0.63976243 0.641862 15
16 0.619154155 0.619892657 0.620992919 0.623167 16
17 0.60087788 0.601639404 0.602774073 0.605016 17
18 0.583141085 0.583923634 0.585089735 0.587395 18
19 0.565927848 0.566729519 0.567924226 0.570286 19
20 0.549222714 0.550041699 0.551262322 0.553676 20
21 0.533010684 0.533845266 0.535089249 0.537549 21
22 0.517277203 0.51812575 0.519390666 0.521893 22
23 0.502008145 0.502869108 0.504152653 0.506692 23
24 0.487189801 0.488061711 0.489361695 0.491934 24
25 0.472808867 0.47369033 0.475004679 0.477606 25
26 0.458852431 0.459742126 0.461068872 0.463695 26
27 0.445307963 0.446204638 0.447541918 0.450189 27
28 0.432163303 0.433065773 0.43441182 0.437077 28
29 0.419406648 0.420313793 0.421666937 0.424346 29
30 0.407026546 0.407937305 0.409295967 0.411987 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.996677741 0.996688717 0.996705003 0.996737 1
2 0.993366519 0.9933884 0.993420862 0.993485 2
3 0.990066298 0.99009901 0.990147543 0.990243 3
4 0.986777041 0.986820512 0.986885009 0.987012 4
5 0.983498712 0.983552871 0.983633226 0.983791 5
6 0.980231275 0.980296049 0.980392157 0.980581 6
7 0.976974692 0.977050012 0.977161767 0.977381 7
8 0.973728929 0.973814724 0.973942022 0.974192 8
9 0.970493949 0.970590148 0.970732885 0.971013 9
10 0.967269717 0.96737625 0.967534323 0.967844 10
11 0.964056196 0.964172994 0.9643463 0.964686 11
Anul h= Anul h=
1 0.960853352 0.960980344 0.961168781 0.961538 1
2 0.923239164 0.923483222 0.923845426 0.924556 2
3 0.887097445 0.887449225 0.887971382 0.888996 3
4 0.852370554 0.852821262 0.853490371 0.854804 4
5 0.819003104 0.81954447 0.8203483 0.821927 5
6 0.786941877 0.787566127 0.788493176 0.790315 6
7 0.756135741 0.756835568 0.757875025 0.759918 7
8 0.726535561 0.727304105 0.728445814 0.73069 8
9 0.698094129 0.69892495 0.700159375 0.702587 9
10 0.670766084 0.671653139 0.672971333 0.675564 10
11 0.64450784 0.645445465 0.646839036 0.649581 11
12 0.619277518 0.620260405 0.621721488 0.624597 12
13 0.595034879 0.596058058 0.597579285 0.600574 13
14 0.571741258 0.572800078 0.574374553 0.577475 14
15 0.549359504 0.550449616 0.552070889 0.555265 15
16 0.527853921 0.528971262 0.530633304 0.533908 16
17 0.50719021 0.508330985 0.510028166 0.513373 17
18 0.487335413 0.488496085 0.49022315 0.493628 18
19 0.468257865 0.469435136 0.471187188 0.474642 19
20 0.449927139 0.451117939 0.452890415 0.456387 20
21 0.432314 0.433515472 0.435304128 0.438834 21
22 0.415390356 0.416599848 0.418400739 0.421955 22
23 0.399129216 0.400344265 0.402153728 0.405726 23
24 0.383504645 0.38472297 0.386537609 0.390121 24
25 0.368491723 0.369711212 0.371527882 0.375117 25
26 0.354066508 0.355285208 0.357101002 0.360689 26
27 0.340205991 0.341422102 0.343234335 0.346817 27
28 0.326888066 0.328099929 0.329906127 0.333477 28
29 0.314091494 0.315297583 0.31709547 0.320651 29
30 0.301795865 0.30299478 0.304782266 0.308319 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.995850622 0.995867721 0.995893021 0.995942 1
2 0.991718462 0.991752519 0.99180291 0.991901 2
3 0.987603448 0.987654321 0.987729597 0.987877 3
4 0.983505508 0.983573058 0.983673012 0.983868 4
5 0.979424572 0.97950866 0.979633088 0.979876 5
6 0.97536057 0.975461058 0.975609756 0.9759 6
7 0.971313431 0.971430181 0.971602948 0.97194 7
8 0.967283085 0.967415961 0.967612595 0.967997 8
9 0.963269462 0.963418329 0.963638631 0.964069 9
10 0.959272493 0.959437216 0.959680988 0.960157 10
11 0.955292109 0.955472554 0.955739598 0.956261 11
Anul h= Anul h=
1 0.951328242 0.951524275 0.951814396 0.952381 1
2 0.905025423 0.905398446 0.905950645 0.907029 2
3 0.860976245 0.8615086 0.862296866 0.863838 3
4 0.819071017 0.819746347 0.820746571 0.822702 4
5 0.77920539 0.780008548 0.781198402 0.783526 5
6 0.741280094 0.742197069 0.743555885 0.746215 6
7 0.705200688 0.706218528 0.707727196 0.710681 7
8 0.670877331 0.671984073 0.673624934 0.676839 8
9 0.638224551 0.639409158 0.641165909 0.644609 9
10 0.60716104 0.608413335 0.610270943 0.613913 10
11 0.577609445 0.578920058 0.580864669 0.584679 11
12 0.549496178 0.550856489 0.552875354 0.556837 12
13 0.522751232 0.524153321 0.526234721 0.530321 13
14 0.497308011 0.498744609 0.500877784 0.505068 14
15 0.473103155 0.474567603 0.476742685 0.481017 15
16 0.450076393 0.451562594 0.453770551 0.458112 16
17 0.428170384 0.42967277 0.431905343 0.436297 17
18 0.407330578 0.408844071 0.411093723 0.415521 18
19 0.387505083 0.389025058 0.391284924 0.395734 19
20 0.368644529 0.370166787 0.372430624 0.376889 20
21 0.350701951 0.352222683 0.354484829 0.358942 21
22 0.333632671 0.335148434 0.337403764 0.34185 22
23 0.317394182 0.31890187 0.32114576 0.325571 23
24 0.301946049 0.303442871 0.305671157 0.310068 24
25 0.287249804 0.288733258 0.290942208 0.295303 25
26 0.273268851 0.274736704 0.276922982 0.281241 26
27 0.259968375 0.261418643 0.263579281 0.267848 27
28 0.247315258 0.248746185 0.250878554 0.255094 28
29 0.235277989 0.236688033 0.23878982 0.242946 29
30 0.223826596 0.225214409 0.227283588 0.231377 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.995024876 0.995049424 0.995085648 0.995156 1
2 0.990074503 0.990123356 0.990195447 0.990336 2
3 0.985148759 0.985221675 0.985329278 0.985538 3
4 0.980247522 0.98034426 0.980487023 0.980764 4
5 0.975370668 0.975490991 0.975668565 0.976014 5
6 0.970518078 0.970661749 0.970873786 0.971286 6
7 0.96568963 0.965856414 0.966102571 0.966581 7
8 0.960885204 0.961074868 0.961354803 0.961899 8
9 0.95610468 0.956316994 0.956630367 0.957239 9
10 0.951347941 0.951582674 0.951929149 0.952603 10
11 0.946614866 0.946871791 0.947251034 0.947988 11
Anul h= Anul h=
1 0.94190534 0.94218423 0.942595909 0.943396 1
2 0.887185669 0.887711124 0.888487048 0.889996 2
3 0.835644919 0.836387422 0.837484257 0.839619 3
4 0.787098411 0.788031039 0.789409234 0.792094 4
5 0.741372196 0.742470418 0.744093915 0.747258 5
6 0.69830243 0.69954392 0.70137988 0.704961 6
7 0.657734788 0.659099249 0.661117806 0.665057 7
8 0.619523909 0.620992919 0.623166939 0.627412 8
9 0.583532878 0.585089735 0.587394608 0.591898 9
10 0.549632733 0.551262322 0.553675754 0.558395 10
11 0.517702006 0.519390666 0.521892501 0.526788 11
12 0.487626284 0.489361695 0.491933736 0.496969 12
13 0.459297801 0.461068872 0.463694727 0.468839 13
14 0.432615051 0.43441182 0.437076753 0.442301 14
15 0.407482427 0.409295967 0.41198676 0.417265 15
16 0.383809873 0.385632205 0.388337034 0.393646 16
17 0.361512569 0.363336583 0.3660449 0.371364 17
18 0.340510619 0.342329998 0.345032425 0.350344 18
19 0.320728771 0.322537926 0.325226152 0.330513 19
20 0.302096142 0.303890148 0.306556841 0.311805 20
21 0.284545969 0.286320505 0.288959224 0.294155 21
22 0.268015367 0.269766664 0.272371782 0.277505 22
23 0.252445106 0.254169897 0.256736528 0.261797 23
24 0.237779393 0.239474869 0.241998801 0.246979 24
25 0.22396568 0.225629445 0.22810708 0.232999 25
26 0.21095447 0.212584505 0.2150128 0.21981 26
27 0.198699142 0.200293768 0.202670186 0.207368 27
28 0.187155782 0.18871363 0.191036088 0.19563 28
29 0.176283031 0.177803006 0.180069835 0.184557 29
30 0.166041928 0.167523188 0.16973309 0.17411 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.994200497 0.994233809 0.994282834 0.994378 1
2 0.988434628 0.988500867 0.988598355 0.988787 2
3 0.982702199 0.982800983 0.982946374 0.983228 3
4 0.977003015 0.977133965 0.977326707 0.9777 4
5 0.971336883 0.971499624 0.971739169 0.972203 5
6 0.965703612 0.965897772 0.966183575 0.966736 6
7 0.960103011 0.960328221 0.960659743 0.961301 7
8 0.954534891 0.954790785 0.955167493 0.955896 8
9 0.948999063 0.949285279 0.949706642 0.950522 9
10 0.94349534 0.943811519 0.944277012 0.945178 10
11 0.938023536 0.938369322 0.938878424 0.939864 11
Anul h= Anul h=
1 0.932583466 0.932958506 0.9335107 0.934579 1
2 0.869711921 0.870411573 0.871442228 0.873439 2
3 0.811078957 0.81205788 0.813500644 0.816298 3
4 0.756398825 0.757616307 0.759411556 0.762895 4
5 0.705405038 0.706824577 0.708918814 0.712986 5
6 0.657849075 0.659438001 0.661783298 0.666342 6
7 0.61349917 0.615228292 0.61778179 0.62275 7
8 0.572139183 0.573982468 0.576705912 0.582009 8
9 0.533567542 0.535501826 0.53836114 0.543934 9
10 0.497596268 0.499600983 0.502565884 0.508349 10
11 0.464050052 0.466106986 0.469150631 0.475093 11
12 0.432765406 0.434858477 0.437957134 0.444012 12
13 0.403589862 0.405704915 0.408837671 0.414964 13
14 0.376381232 0.378505851 0.38165434 0.387817 14
15 0.351006914 0.353130253 0.356278411 0.362446 15
16 0.327343244 0.329455874 0.332589709 0.338735 16
17 0.305274897 0.307368659 0.310476052 0.316574 17
18 0.284694322 0.286762205 0.289832717 0.295864 18
19 0.265501217 0.267537238 0.270561942 0.276508 19
20 0.247602045 0.249601142 0.252572468 0.258419 20
21 0.230909574 0.232867509 0.235779102 0.241513 21
22 0.215342451 0.217255723 0.220102314 0.225713 22
23 0.200824809 0.202690574 0.205467866 0.210947 23
24 0.187285896 0.189101895 0.191806451 0.197147 24
25 0.17465973 0.176424222 0.179053375 0.184249 25
26 0.162884777 0.164596478 0.167148241 0.172195 26
27 0.151903649 0.153561684 0.156034672 0.16093 27
28 0.141662832 0.14326668 0.145660036 0.150402 28
29 0.132112415 0.133661867 0.135975202 0.140563 29
30 0.123205854 0.124700976 0.126934306 0.131367 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.993377483 0.993420862 0.993484533 0.993607 1
2 0.986798825 0.986885009 0.987011517 0.987255 2
3 0.980263733 0.980392157 0.980580676 0.980944 3
4 0.97377192 0.973942022 0.974191734 0.974673 4
5 0.9673231 0.967534323 0.96784442 0.968442 5
6 0.960916986 0.961168781 0.961538462 0.96225 6
7 0.954553298 0.954845119 0.955273589 0.956099 7
8 0.948231753 0.948563062 0.949049535 0.949987 8
9 0.941952072 0.942322335 0.942866034 0.943913 9
10 0.935713979 0.936122666 0.936722822 0.937879 10
11 0.929517198 0.929963786 0.930619635 0.931883 11
Anul h= Anul h=
1 0.923361455 0.923845426 0.924556213 0.925926 1
2 0.852596376 0.853490371 0.854804191 0.857339 2
3 0.78725463 0.788493176 0.790314526 0.793832 3
4 0.72692058 0.728445814 0.730690205 0.73503 4
5 0.671210444 0.672971333 0.675564169 0.680583 5
6 0.619769852 0.621721488 0.62459705 0.63017 6
7 0.572271592 0.574374553 0.577475083 0.58349 7
8 0.52841353 0.530633304 0.533908176 0.540269 8
9 0.487916686 0.49022315 0.493628121 0.500249 9
10 0.450523461 0.452890415 0.456386946 0.463193 10
11 0.415995998 0.418400739 0.421955387 0.428883 11
12 0.38411467 0.386537609 0.390121474 0.397114 12
13 0.35467668 0.357101002 0.360689233 0.367698 13
14 0.327494775 0.329906127 0.333477471 0.340461 14
15 0.302396052 0.304782266 0.308318668 0.315242 15
16 0.279220859 0.281571703 0.28505794 0.29189 16
17 0.257821778 0.26012873 0.26355209 0.270269 17
18 0.238062692 0.240318737 0.243668722 0.250249 18
19 0.219817914 0.222017366 0.225285431 0.231712 19
20 0.202971389 0.205109728 0.208289045 0.214548 20
21 0.187415957 0.189489684 0.19257493 0.198656 21
22 0.17305267 0.175059178 0.178046348 0.183941 22
23 0.159790165 0.161727621 0.164613858 0.170315 23
24 0.14754408 0.149411323 0.152194765 0.157699 24
25 0.136236516 0.138032967 0.140712615 0.146018 25
26 0.125795548 0.127521125 0.130096723 0.135202 26
27 0.11615476 0.117809808 0.120281733 0.125187 27
28 0.107252828 0.108838053 0.111207224 0.115914 28
29 0.099033127 0.100549537 0.10281733 0.107328 29
30 0.091443372 0.09289223 0.095060401 0.099377 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.992555831 0.992610567 0.992690696 0.992844 1
2 0.985167078 0.985275739 0.985434818 0.98574 2
3 0.977833328 0.97799511 0.978231976 0.978686 3
4 0.970554172 0.970768281 0.971081781 0.971683 4
5 0.963329203 0.963594854 0.96398385 0.96473 5
6 0.956158018 0.956474435 0.956937799 0.957826 6
7 0.949040216 0.949406632 0.94994325 0.950972 7
8 0.941975401 0.942391056 0.942999826 0.944167 8
9 0.934963177 0.935427321 0.936107154 0.937411 9
10 0.928003153 0.928515043 0.929264863 0.930703 10
11 0.921094941 0.921653844 0.922472584 0.924043 11
Anul h= Anul h=
1 0.914238155 0.914843345 0.915729951 0.917431 1
2 0.835831404 0.836938346 0.838561344 0.84168 2
3 0.764148961 0.765667477 0.767895738 0.772183 3
4 0.698614136 0.700465796 0.703185127 0.708425 4
5 0.638699699 0.640816472 0.643927682 0.649931 5
6 0.583923634 0.586246685 0.589663865 0.596267 6
7 0.533845266 0.536323878 0.539972862 0.547034 7
8 0.488061711 0.490652331 0.494469323 0.501866 8
9 0.446204638 0.44887002 0.452800369 0.460428 9
10 0.407937305 0.41064575 0.41464286 0.422411 10
11 0.372951849 0.375676532 0.379700886 0.387533 11
12 0.34096681 0.343685175 0.347703474 0.355535 12
13 0.311724868 0.314418095 0.318402485 0.326179 13
14 0.284990768 0.287643302 0.291570692 0.299246 14
15 0.260549434 0.263148561 0.267000016 0.274538 15
16 0.238204234 0.24073971 0.244499911 0.25187 16
17 0.217775399 0.220239121 0.223895892 0.231073 17
18 0.199098579 0.201484295 0.205028174 0.211994 18
19 0.182023517 0.184326566 0.18775044 0.19449 19
20 0.166412845 0.168629932 0.171928701 0.178431 20
21 0.152140972 0.154269971 0.157440261 0.163698 21
22 0.139093082 0.141132857 0.144172763 0.150182 22
23 0.127164202 0.129114455 0.132023317 0.137781 23
24 0.116258366 0.1181195 0.120897706 0.126405 24
25 0.106287834 0.108060838 0.11070965 0.115968 25
26 0.097172393 0.098858739 0.101380142 0.106393 26
27 0.088838709 0.090440259 0.092836833 0.097608 27
28 0.081219738 0.082738669 0.085013468 0.089548 28
29 0.074254183 0.075692921 0.077849379 0.082155 29
30 0.067886007 0.069247165 0.071289008 0.075371 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.991735537 0.99180291 0.991901279 0.992089 1
2 0.983539376 0.983673012 0.983868147 0.98424 2
3 0.975410951 0.975609756 0.975900073 0.976454 3
4 0.967349704 0.967612595 0.96799653 0.968729 4
5 0.959355078 0.959680988 0.960156996 0.961066 5
6 0.951426524 0.951814396 0.952380952 0.953463 6
7 0.943563494 0.944012288 0.944667885 0.94592 7
8 0.935765449 0.936274134 0.937017283 0.938436 8
9 0.92803185 0.928599411 0.929428641 0.931012 9
10 0.920362166 0.920987598 0.921901457 0.923647 10
11 0.912755867 0.91343818 0.914435235 0.91634 11
Anul h= Anul h=
1 0.90521243 0.905950645 0.907029478 0.909091 1
2 0.819409543 0.820746571 0.822702475 0.826446 2
3 0.741739703 0.743555885 0.746215397 0.751315 3
4 0.671431999 0.673624934 0.676839362 0.683013 4
5 0.607788591 0.610270943 0.613913254 0.620921 5
6 0.550177788 0.552875354 0.556837418 0.564474 6
7 0.498027772 0.500877784 0.505067953 0.513158 7
8 0.45082093 0.453770551 0.458111522 0.466507 8
9 0.408088709 0.411093723 0.415520655 0.424098 9
10 0.369406972 0.372430624 0.376889483 0.385543 10
11 0.334391783 0.337403764 0.341849871 0.350494 11
12 0.302695598 0.305671157 0.31006791 0.318631 12
13 0.274003818 0.276922982 0.281240735 0.289664 13
14 0.248031662 0.250878554 0.255093637 0.263331 14
15 0.224521343 0.227283588 0.231377449 0.239392 15
16 0.203239511 0.205907713 0.209866167 0.217629 16
17 0.183974931 0.186542225 0.1903548 0.197845 17
18 0.166536394 0.168998049 0.172657415 0.179859 18
19 0.150750814 0.153103892 0.156605365 0.163508 19
20 0.136461511 0.138704569 0.142045682 0.148644 20
21 0.123526656 0.125659494 0.128839621 0.135131 21
22 0.111817864 0.1138413 0.116861334 0.122846 22
23 0.101218921 0.103134599 0.105996675 0.111678 23
24 0.091624625 0.093434856 0.096142109 0.101526 24
25 0.08293975 0.084647368 0.087203727 0.092296 25
26 0.075078092 0.076686338 0.079096351 0.083905 26
27 0.067961622 0.069474037 0.071742722 0.076278 27
28 0.061519705 0.062940049 0.065072764 0.069343 28
29 0.055688402 0.057020578 0.059022915 0.063039 29
30 0.050409834 0.051657829 0.053535524 0.057309 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.990916598 0.990997875 0.991116235 0.991341 1
2 0.981915704 0.982076788 0.982311391 0.982757 2
3 0.972996569 0.97323601 0.973584767 0.974247 3
4 0.96415845 0.964474817 0.964935669 0.965811 4
5 0.955400611 0.955792494 0.956363407 0.957449 5
6 0.946722323 0.947188331 0.947867299 0.949158 6
7 0.938122863 0.938661623 0.939446668 0.940939 7
8 0.929601516 0.930211673 0.931100844 0.932792 8
9 0.921157571 0.921837791 0.922829163 0.924715 9
10 0.912790327 0.913539292 0.914630965 0.916708 10
11 0.904499085 0.905315497 0.906505599 0.90877 11
Anul h= Anul h=
1 0.896283156 0.897165734 0.898452416 0.900901 1
2 0.803323496 0.804906354 0.807216743 0.811622 2
3 0.720005319 0.722134399 0.725245833 0.731191 3
4 0.64532864 0.647874238 0.651598871 0.658731 4
5 0.57839719 0.581250566 0.585430579 0.593451 5
6 0.518407659 0.521478091 0.525981518 0.534641 6
7 0.464640053 0.467852274 0.472569366 0.481658 7
8 0.416449053 0.419741029 0.424581088 0.433926 8
9 0.373256272 0.376577268 0.381465904 0.390925 9
10 0.334543309 0.337852221 0.342728963 0.352184 10
11 0.299845533 0.303109436 0.307925665 0.317283 11
12 0.268746501 0.271939399 0.276656558 0.285841 12
13 0.240872962 0.243974711 0.248562753 0.257514 13
14 0.215890379 0.21888575 0.223321805 0.231995 14
15 0.19349891 0.196376795 0.200644016 0.209004 15
16 0.173429814 0.176182531 0.180269101 0.188292 16
17 0.155442221 0.15806493 0.161963209 0.169633 17
18 0.139320244 0.141810439 0.145516236 0.152822 18
19 0.124870388 0.127227466 0.130739414 0.137678 19
20 0.111919226 0.114144123 0.117463142 0.124034 20
21 0.100311317 0.102406196 0.105535044 0.111742 21
22 0.089907344 0.09187533 0.094818215 0.100669 22
23 0.080582438 0.082427398 0.085189654 0.090693 23
24 0.072224682 0.073951037 0.076538851 0.081705 24
25 0.064733766 0.066346336 0.068766515 0.073608 25
26 0.058019784 0.059523659 0.061783442 0.066314 26
27 0.052002155 0.053402588 0.055509483 0.059742 27
28 0.046608656 0.047910972 0.049872629 0.053822 28
29 0.041774553 0.042984082 0.044808184 0.048488 29
30 0.037441828 0.038563845 0.040258021 0.043683 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.99009901 0.990195447 0.990335519 0.9906 1
2 0.980296049 0.980487023 0.980764441 0.981289 2
3 0.970590148 0.970873786 0.971285862 0.972065 3
4 0.960980344 0.961354803 0.961898889 0.962928 4
5 0.951465688 0.951929149 0.952602636 0.953877 5
6 0.942045235 0.942595909 0.943396226 0.944911 6
7 0.932718055 0.933354178 0.934278792 0.936029 7
8 0.923483222 0.924203057 0.925249473 0.927231 8
9 0.914339824 0.915141659 0.916307417 0.918515 9
10 0.905286955 0.906169104 0.907451782 0.909882 10
11 0.896323718 0.897284522 0.898681732 0.901329 11
Anul h= Anul h=
1 0.887449225 0.888487048 0.88999644 0.892857 1
2 0.787566127 0.789409234 0.792093663 0.797194 2
3 0.69892495 0.70137988 0.70496054 0.71178 3
4 0.620260405 0.623166939 0.627412371 0.635518 4
5 0.550449616 0.553675754 0.558394777 0.567427 5
6 0.488496085 0.491933736 0.496969364 0.506631 6
7 0.433515472 0.437076753 0.442300964 0.452349 7
8 0.38472297 0.388337034 0.393646284 0.403883 8
9 0.341422102 0.345032425 0.350343791 0.36061 9
10 0.30299478 0.306556841 0.311804727 0.321973 10
11 0.268892482 0.272371782 0.277505097 0.287476 11
12 0.238628425 0.241998801 0.246978548 0.256675 12
13 0.211770611 0.2150128 0.219810029 0.229174 13
14 0.187935665 0.191036088 0.195630143 0.20462 14
15 0.16678336 0.16973309 0.174110131 0.182696 15
16 0.148011764 0.150805652 0.154957397 0.163122 16
17 0.131352925 0.133988869 0.137911531 0.145644 17
18 0.116569052 0.119047374 0.122740772 0.13004 18
19 0.103449114 0.10577205 0.10923885 0.116107 19
20 0.091805837 0.093977097 0.097222188 0.103667 20
21 0.081473018 0.083497433 0.086527401 0.09256 21
22 0.072303167 0.074186388 0.077009079 0.082643 22
23 0.06416539 0.065913645 0.068537806 0.073788 23
24 0.056943525 0.05856342 0.060998403 0.065882 24
25 0.050534487 0.05203284 0.054288362 0.058823 25
26 0.044846792 0.046230504 0.048316449 0.052521 26
27 0.039799251 0.041075204 0.043001467 0.046894 27
28 0.035319814 0.036494787 0.038271153 0.041869 28
29 0.031344542 0.032425146 0.03406119 0.037383 29
30 0.027816689 0.028809322 0.030314338 0.033378 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.98928277 0.989395612 0.989559089 0.989867 1
2 0.978680399 0.978903677 0.97922719 0.979836 2
3 0.968191656 0.968523002 0.969003166 0.969908 3
4 0.957815323 0.958252409 0.95888589 0.960079 4
5 0.947550196 0.948090728 0.948874248 0.950351 5
6 0.937395083 0.938036806 0.938967136 0.940721 6
7 0.927348804 0.9280895 0.929163464 0.931188 7
8 0.917410194 0.918247679 0.919462151 0.921753 8
9 0.907578098 0.908510224 0.909862128 0.912412 9
10 0.897851374 0.898876029 0.900362338 0.903167 10
11 0.888228895 0.889343999 0.890961735 0.894015 11
Anul h= Anul h=
1 0.878709541 0.87991305 0.881659283 0.884956 1
2 0.772130458 0.774246975 0.777323091 0.783147 2
3 0.678478401 0.681270017 0.685334119 0.69305 3
4 0.596185444 0.599458379 0.604231188 0.613319 4
5 0.523873838 0.52747125 0.532726036 0.54276 5
6 0.46033294 0.464128836 0.469682854 0.480319 6
7 0.404498947 0.40839302 0.414100249 0.425061 7
8 0.355437084 0.359350348 0.365095328 0.37616 8
9 0.312325957 0.31619706 0.321889685 0.332885 9
10 0.274443799 0.27822592 0.283797029 0.294588 10
11 0.241156384 0.244814618 0.250212285 0.260698 11
12 0.211906416 0.215415577 0.220601984 0.230706 12
13 0.18620419 0.189546977 0.194495787 0.204165 13
14 0.163619398 0.166784859 0.171479016 0.180677 14
15 0.143773926 0.146756174 0.151186066 0.159891 15
16 0.126335521 0.129132672 0.133294599 0.141496 16
17 0.111012227 0.113625524 0.11752042 0.125218 17
18 0.097547503 0.099980581 0.103612969 0.110812 18
19 0.085715922 0.087974218 0.091351336 0.098064 19
20 0.075319399 0.077409662 0.080540754 0.086782 20
21 0.066183874 0.068113772 0.071009503 0.076798 21
22 0.058156402 0.059934197 0.062606188 0.067963 22
23 0.051102585 0.052736882 0.055197326 0.060144 23
24 0.044904329 0.046403871 0.048665235 0.053225 24
25 0.039457862 0.040831371 0.042906156 0.047102 25
26 0.034672 0.035928057 0.037828611 0.041683 26
27 0.030466617 0.031613566 0.033351946 0.036888 27
28 0.026771307 0.027817189 0.029405053 0.032644 28
29 0.023524203 0.024476708 0.025925238 0.028889 29
30 0.020670942 0.021537375 0.022857227 0.025565 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.988467875 0.988598355 0.988786899 0.98914 1
2 0.977068739 0.977326707 0.977699532 0.978399 2
3 0.96580106 0.966183575 0.966736489 0.967774 3
4 0.954663322 0.955167493 0.955896375 0.957264 4
5 0.943654025 0.944277012 0.945177813 0.946868 5
6 0.932771688 0.9335107 0.934579439 0.936586 6
7 0.922014848 0.922867143 0.924099906 0.926415 7
8 0.911382058 0.912344939 0.913737881 0.916354 8
9 0.900871886 0.901942706 0.903492046 0.906403 9
10 0.890482918 0.891659075 0.893361099 0.89656 10
11 0.880213758 0.881492695 0.883343751 0.886824 11
Anul h= Anul h=
1 0.870063023 0.871442228 0.873438728 0.877193 1
2 0.757009663 0.759411556 0.762895212 0.769468 2
3 0.658646116 0.661783298 0.666342224 0.674972 3
4 0.57306363 0.576705912 0.582009105 0.59208 4
5 0.498601475 0.502565884 0.508349292 0.519369 5
6 0.433814706 0.437957134 0.444011959 0.455587 6
7 0.377446134 0.38165434 0.387817241 0.399637 7
8 0.328401925 0.332589709 0.338734598 0.350559 8
9 0.285730371 0.289832717 0.295863916 0.307508 9
10 0.24860343 0.252572468 0.258419003 0.269744 10
11 0.216300652 0.220102314 0.225713165 0.236617 11
12 0.188195199 0.191806451 0.19714662 0.207559 12
13 0.163741684 0.167148241 0.172195493 0.182069 13
14 0.142465584 0.145660036 0.150402212 0.15971 14
15 0.123954037 0.126934306 0.131367117 0.140096 15
16 0.107847824 0.110615914 0.114741128 0.122892 16
17 0.093834404 0.096395379 0.100219345 0.1078 17
18 0.081641845 0.084003004 0.087535457 0.094561 18
19 0.07103355 0.073203765 0.076456858 0.082948 19
20 0.061803666 0.063792852 0.066780381 0.072762 20
21 0.053773084 0.055591785 0.058328571 0.063826 21
22 0.046785972 0.048445029 0.050946433 0.055988 22
23 0.040706744 0.042217044 0.044498588 0.049112 23
24 0.035417433 0.036789715 0.03886679 0.043081 24
25 0.030815399 0.032060111 0.033947759 0.03779 25
26 0.026811339 0.027938534 0.029651288 0.033149 26
27 0.023327555 0.024346819 0.025898583 0.029078 27
28 0.020296443 0.021216846 0.022620826 0.025507 28
29 0.017659184 0.018489256 0.019757905 0.022375 29
30 0.015364603 0.016112318 0.017257319 0.019627 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.987654321 0.987803661 0.988018908 0.988421 1
2 0.975461058 0.975756073 0.976181363 0.976976 2
3 0.963418329 0.963855422 0.964485644 0.965663 3
4 0.951524275 0.952099914 0.952930053 0.954481 4
5 0.939777062 0.940487781 0.941512911 0.943429 5
6 0.928174876 0.929017274 0.930232558 0.932505 6
7 0.916715927 0.917686665 0.919087356 0.921707 7
8 0.905398446 0.906494247 0.908075686 0.911034 8
9 0.894220688 0.895438336 0.897195948 0.900485 9
10 0.883180926 0.884517267 0.886446561 0.890058 10
11 0.872277458 0.873729395 0.875825964 0.879752 11
Anul h= Anul h=
1 0.8615086 0.863073095 0.865332612 0.869565 1
2 0.742197069 0.744895168 0.74880053 0.756144 2
3 0.639409158 0.642898978 0.647961518 0.657516 3
4 0.550856489 0.554868811 0.560702233 0.571753 4
5 0.474567603 0.478892342 0.485193928 0.497177 5
6 0.408844071 0.413319096 0.419854129 0.432328 6
7 0.352222683 0.356724591 0.363313471 0.375937 7
8 0.303442871 0.307879397 0.314386995 0.326902 8
9 0.261418643 0.265722424 0.272049319 0.284262 9
10 0.225214409 0.229337875 0.235413148 0.247185 10
11 0.194024151 0.19793535 0.203710674 0.214943 11
12 0.167153474 0.170832675 0.17627749 0.186907 12
13 0.144004156 0.147441086 0.152538661 0.162528 13
14 0.124060819 0.127252434 0.131996678 0.141329 14
15 0.106879462 0.109828152 0.11422103 0.122894 15
16 0.092077576 0.094789723 0.098839182 0.106865 16
17 0.079325624 0.08181046 0.085528768 0.092926 17
18 0.068339707 0.070608407 0.074010832 0.080805 18
19 0.058875245 0.060940216 0.064043987 0.070265 19
20 0.05072153 0.052595861 0.05541935 0.0611 20
21 0.043697034 0.045394073 0.047956171 0.053131 21
22 0.037645371 0.039178403 0.041498039 0.046201 22
23 0.032431811 0.033813825 0.035909606 0.040174 23
24 0.027940284 0.029183803 0.031073753 0.034934 24
25 0.024070795 0.025187755 0.026889132 0.030378 25
26 0.020737197 0.021738874 0.023268043 0.026415 26
27 0.017865273 0.018762237 0.020134596 0.02297 27
28 0.015391087 0.016193182 0.017423123 0.019974 28
29 0.013259554 0.0139759 0.015076797 0.017369 29
30 0.011423219 0.012062223 0.013046444 0.015103 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.986842105 0.987011517 0.987255073 0.987708 1
2 0.973857341 0.974191734 0.974672579 0.975567 2
3 0.961043428 0.961538462 0.962250449 0.963575 3
4 0.94839812 0.949049535 0.949986637 0.951731 4
5 0.935919197 0.936722822 0.937879127 0.940032 5
6 0.923604471 0.924556213 0.925925926 0.928477 6
7 0.911451781 0.91254763 0.914125068 0.917064 7
8 0.899458994 0.900695021 0.902474611 0.905791 8
9 0.887624007 0.888996359 0.890972638 0.894657 9
10 0.875944744 0.877449644 0.879617257 0.88366 10
11 0.864419155 0.866052905 0.868406599 0.872798 11
Anul h= Anul h=
1 0.853045219 0.854804191 0.85733882 0.862069 1
2 0.727686146 0.730690205 0.735029853 0.743163 2
3 0.620749188 0.62459705 0.630169627 0.640658 3
4 0.529527127 0.533908176 0.540268885 0.552291 4
5 0.451710584 0.456386946 0.463193488 0.476113 5
6 0.385329554 0.390121474 0.397113759 0.410442 6
7 0.328703534 0.333477471 0.340461041 0.35383 7
8 0.280398978 0.28505794 0.291890468 0.305025 8
9 0.239193008 0.243668722 0.250249029 0.262953 9
10 0.204042452 0.208289045 0.214548207 0.226684 10
11 0.174057438 0.178046348 0.183940507 0.195417 11
12 0.148478865 0.152194765 0.157699337 0.168463 12
13 0.126659186 0.130096723 0.135201764 0.145227 13
14 0.108046013 0.111207224 0.115913721 0.125195 14
15 0.092168135 0.095060401 0.099377333 0.107927 15
16 0.078623587 0.081258029 0.085200045 0.093041 16
17 0.067069475 0.069459704 0.073045306 0.080207 17
18 0.057213295 0.059374446 0.062624577 0.069144 18
19 0.048805528 0.050753525 0.053690481 0.059607 19
20 0.041633322 0.043384326 0.046030933 0.051385 20
21 0.035515106 0.037085104 0.039464106 0.044298 21
22 0.030295992 0.031700502 0.03383411 0.038188 22
23 0.025843851 0.027097722 0.029007296 0.03292 23
24 0.022045973 0.023163246 0.024869081 0.02838 24
25 0.018806212 0.01980004 0.021321229 0.024465 25
26 0.016042549 0.016925157 0.018279517 0.021091 26
27 0.01368502 0.014467695 0.015671739 0.018182 27
28 0.011673941 0.012367047 0.013435991 0.015674 28
29 0.0099584 0.010571403 0.011519196 0.013512 29
30 0.008494965 0.00903648 0.009875854 0.011648 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.986031224 0.986221907 0.986495353 0.987002 1
2 0.972257575 0.97263365 0.973173081 0.974172 2
3 0.958676327 0.959232614 0.960030721 0.961509 3
4 0.945284793 0.946016218 0.947065845 0.949011 4
5 0.932080322 0.932981919 0.934276055 0.936676 5
6 0.919060301 0.920127208 0.921658986 0.9245 6
7 0.906222153 0.90744961 0.909212307 0.912483 7
8 0.89356334 0.894946685 0.896933715 0.900622 8
9 0.881081354 0.882616026 0.884820941 0.888916 9
10 0.868773726 0.870455261 0.872871747 0.877361 10
11 0.856638021 0.858462048 0.861083922 0.865957 11
Anul h= Anul h=
1 0.844671836 0.846634078 0.849455287 0.854701 1
2 0.713470511 0.716789262 0.721574284 0.730514 2
3 0.602648447 0.606858216 0.612945091 0.624371 3
4 0.50904017 0.513786847 0.520669448 0.53365 4
5 0.429971895 0.434989453 0.442285415 0.456111 5
6 0.36318515 0.368276895 0.375701684 0.389839 6
7 0.306772268 0.311795769 0.319141782 0.333195 7
8 0.259121895 0.263976924 0.271096674 0.284782 8
9 0.218872967 0.223491859 0.230284503 0.243404 9
10 0.184875831 0.189215824 0.195616388 0.208037 10
11 0.156159407 0.160196565 0.166167375 0.17781 11
12 0.131903453 0.135627871 0.141151755 0.151974 12
13 0.111415132 0.114827178 0.119902105 0.129892 13
14 0.094109224 0.097216602 0.101851477 0.111019 14
15 0.079491411 0.082306888 0.086518276 0.094888 15
16 0.067144156 0.069683816 0.073493407 0.081101 16
17 0.056714778 0.058996694 0.062429363 0.069317 17
18 0.047905375 0.049948611 0.053030952 0.059245 18
19 0.040464321 0.042288196 0.045047423 0.050637 19
20 0.034179073 0.035802628 0.038265771 0.04328 20
21 0.0288701 0.030311725 0.032505062 0.036991 21
22 0.02438576 0.025662939 0.027611597 0.031616 22
23 0.020597965 0.021727119 0.023454817 0.027022 23
24 0.017398521 0.018394919 0.019923818 0.023096 24
25 0.014696041 0.015573766 0.016924393 0.01974 25
26 0.012413332 0.013185281 0.014376515 0.016872 26
27 0.010485192 0.011163108 0.012212206 0.014421 27
28 0.008856546 0.009451068 0.010373723 0.012325 28
29 0.007480875 0.008001596 0.008812014 0.010534 29
30 0.006318884 0.006774424 0.007485412 0.009004 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.985221675 0.985434818 0.985739706 0.986302 1
2 0.970661749 0.971081781 0.971682767 0.972791 2
3 0.956316994 0.956937799 0.957826285 0.959466 3
4 0.94218423 0.942999826 0.944167401 0.946323 4
5 0.928260325 0.929264863 0.930703296 0.93336 5
6 0.914542193 0.915729951 0.917431193 0.920575 6
7 0.901026791 0.902392178 0.904348354 0.907964 7
8 0.887711124 0.889248672 0.89145208 0.895527 8
9 0.87459224 0.876296604 0.878739711 0.88326 9
10 0.861667232 0.863533185 0.866208624 0.871161 10
11 0.848933233 0.850955667 0.853856234 0.859227 11
Anul h= Anul h=
1 0.836387422 0.838561344 0.841679993 0.847458 1
2 0.69954392 0.703185127 0.708425211 0.718184 2
3 0.585089735 0.589663865 0.596267327 0.608631 3
4 0.489361695 0.494469323 0.50186628 0.515789 4
5 0.409295967 0.41464286 0.422410807 0.437109 5
6 0.342329998 0.347703474 0.355534725 0.370432 6
7 0.286320505 0.291570692 0.299246465 0.313925 7
8 0.239474869 0.244499911 0.251869763 0.266038 8
9 0.200293768 0.205028174 0.21199374 0.225456 9
10 0.167523188 0.171928701 0.17843089 0.191064 10
11 0.140114288 0.144172763 0.15018171 0.161919 11
12 0.117189828 0.120897706 0.126404941 0.13722 12
13 0.098016098 0.101380142 0.10639251 0.116288 13
14 0.081979431 0.085013468 0.089548447 0.098549 14
15 0.068566565 0.071289008 0.075371136 0.083516 15
16 0.057348213 0.059780207 0.063438377 0.070776 16
17 0.047965324 0.05012937 0.053394813 0.05998 17
18 0.040117594 0.042036552 0.044941346 0.05083 18
19 0.033553851 0.035250228 0.037826232 0.043077 19
20 0.028064019 0.029559478 0.031837582 0.036506 20
21 0.023472392 0.024787436 0.026797056 0.030937 21
22 0.019632014 0.020785785 0.022554546 0.026218 22
23 0.016419969 0.017430156 0.01898371 0.022218 23
24 0.013733456 0.014616255 0.015978209 0.018829 24
25 0.01148649 0.012256627 0.013448539 0.015957 25
26 0.009607155 0.010277933 0.011319366 0.013523 26
27 0.008035304 0.008618678 0.009527284 0.01146 27
28 0.006720627 0.00722729 0.008018924 0.009712 28
29 0.005621048 0.006060526 0.006749368 0.00823 29
30 0.004701374 0.005082123 0.005680808 0.006975 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.984413454 0.984650236 0.984988092 0.985608 1
2 0.969069848 0.969536088 0.970201541 0.971424 2
3 0.953965396 0.954653938 0.955636965 0.957444 3
4 0.93909637 0.940000226 0.941291031 0.943665 4
5 0.924459101 0.925571444 0.927160457 0.930084 5
6 0.910049976 0.911364141 0.913242009 0.916698 6
7 0.89586544 0.897374917 0.899532504 0.903506 7
8 0.881901992 0.883600424 0.886028805 0.890503 8
9 0.868156185 0.870037366 0.872727822 0.877687 9
10 0.854624629 0.856682498 0.859626512 0.865056 10
11 0.841303982 0.843532624 0.846721878 0.852606 11
Anul h= Anul h=
1 0.828190959 0.830584598 0.834010967 0.840336 1
2 0.685900264 0.689870774 0.695574293 0.706165 2
3 0.568056398 0.57299604 0.580116589 0.593416 3
4 0.470459173 0.475921685 0.483823598 0.498669 4
5 0.389630033 0.395293222 0.403514187 0.419049 5
6 0.322688071 0.328324462 0.336535257 0.352142 6
7 0.267247343 0.272701241 0.280674095 0.295918 7
8 0.221331833 0.226501451 0.234085274 0.248671 8
9 0.183305023 0.188128616 0.195229686 0.208967 9
10 0.151811563 0.156256731 0.162823699 0.175602 10
11 0.125728964 0.129784434 0.135796751 0.147565 11
12 0.104127591 0.107796952 0.113255979 0.124004 12
13 0.08623753 0.089534488 0.094456729 0.104205 13
14 0.071421142 0.074365967 0.078777948 0.087567 14
15 0.059150344 0.061767227 0.065701672 0.073586 15
16 0.04898778 0.051302907 0.054795915 0.061837 16
17 0.040571237 0.042611404 0.045700394 0.051964 17
18 0.033600732 0.035392376 0.03811463 0.043667 18
19 0.027827822 0.029396363 0.03178802 0.036695 19
20 0.023046751 0.024416166 0.026511557 0.030836 20
21 0.019087111 0.020279691 0.022110929 0.025913 21
22 0.015807772 0.016843999 0.018440757 0.021775 22
23 0.013091854 0.013990366 0.015379794 0.018299 23
24 0.010842555 0.011620183 0.012826917 0.015377 24
25 0.008979706 0.009651545 0.010697789 0.012922 25
26 0.007436912 0.008016425 0.008922074 0.010859 26
27 0.006159183 0.006658319 0.007441107 0.009125 27
28 0.00510098 0.005530297 0.006205965 0.007668 28
29 0.004224585 0.00459338 0.005175843 0.006444 29
30 0.003498763 0.00381519 0.00431671 0.005415 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.983606557 0.983868147 0.984240472 0.984921 1
2 0.96748186 0.96799653 0.968729306 0.97007 2
3 0.951621501 0.952380952 0.953462589 0.955443 3
4 0.936021149 0.937017283 0.938436469 0.941036 4
5 0.92067654 0.921901457 0.923647153 0.926846 5
6 0.905583482 0.907029478 0.909090909 0.912871 6
7 0.890737851 0.892397412 0.894764065 0.899106 7
8 0.876135591 0.878001388 0.880663006 0.885549 8
9 0.861772713 0.863837599 0.866784172 0.872196 9
10 0.847645291 0.849902297 0.853124062 0.859044 10
11 0.833749467 0.836191798 0.83967923 0.846091 11
Anul h= Anul h=
1 0.820081443 0.822702475 0.826446281 0.833333 1
2 0.672533572 0.676839362 0.683013455 0.694444 2
3 0.551532302 0.556837418 0.56447393 0.578704 3
4 0.452301406 0.458111522 0.46650738 0.482253 4
5 0.37092399 0.376889483 0.385543289 0.401878 5
6 0.304187881 0.31006791 0.318630818 0.334898 6
7 0.249458836 0.255093637 0.263331254 0.279082 7
8 0.204576562 0.209866167 0.217629136 0.232568 8
9 0.167769442 0.172657415 0.17985879 0.193807 9
10 0.137584606 0.142045682 0.148643628 0.161506 10
11 0.112830582 0.116861334 0.122845974 0.134588 11
12 0.092530267 0.096142109 0.101525598 0.112157 12
13 0.075882355 0.079096351 0.083905453 0.093464 13
14 0.062229711 0.065072764 0.069343349 0.077887 14
15 0.051033431 0.053535524 0.057308553 0.064905 15
16 0.04185157 0.044043808 0.047362441 0.054088 16
17 0.034321696 0.03623495 0.039142513 0.045073 17
18 0.028146586 0.029810583 0.032349184 0.037561 18
19 0.023082493 0.02452524 0.026734863 0.031301 19
20 0.018929524 0.020176976 0.022094928 0.026084 20
21 0.015523751 0.016599648 0.018260271 0.021737 21
22 0.01273074 0.013656571 0.015091133 0.018114 22
23 0.010440244 0.011235295 0.012472011 0.015095 23
24 0.00856185 0.009243305 0.010307447 0.012579 24
25 0.007021415 0.00760449 0.008518551 0.010483 25
26 0.005758132 0.006256233 0.007040125 0.008735 26
27 0.004722137 0.005147018 0.005818285 0.00728 27
28 0.003872537 0.004234465 0.0048085 0.006066 28
29 0.003175796 0.003483704 0.003973967 0.005055 29
30 0.002604411 0.002866052 0.00328427 0.004213 30
1
Factorii de actualizare z = pentru ra=21 %
(1 + ra )h
0 1 1 1 1 0
1 0.982800983 0.983088536 0.983496806 0.98424 1
2 0.965897772 0.96646307 0.967265967 0.968729 2
3 0.949285279 0.950118765 0.951302988 0.953463 3
4 0.932958506 0.934050866 0.93560345 0.938436 4
5 0.916912536 0.918254698 0.920163005 0.923647 5
6 0.901142542 0.902725667 0.904977376 0.909091 6
7 0.885643776 0.887459255 0.890042358 0.894764 7
8 0.870411573 0.87245102 0.875353816 0.880663 8
9 0.855441349 0.857696596 0.860907682 0.866784 9
10 0.840728599 0.843191691 0.846699955 0.853124 10
11 0.826268893 0.828932085 0.832726701 0.839679 11
Anul h= Anul h=
1 0.81205788 0.81491363 0.81898405 0.826446 1
2 0.659438001 0.664084225 0.670734875 0.683013 2
3 0.535501826 0.541171287 0.549321164 0.564474 3
4 0.434858477 0.441007858 0.449885272 0.466507 4
5 0.353130253 0.359383315 0.368448862 0.385543 5
6 0.286762205 0.292866362 0.301753742 0.318631 6
7 0.232867509 0.23866079 0.247131501 0.263331 7
8 0.189101895 0.194487931 0.202396758 0.217629 8
9 0.153561684 0.158490866 0.165759717 0.179859 9
10 0.124700976 0.129156367 0.135754564 0.148644 10
11 0.10126441 0.105251284 0.111180823 0.122846 11
12 0.082232562 0.085770706 0.091055321 0.101526 12
13 0.0667776 0.069895717 0.074572855 0.083905 13
14 0.054227277 0.056958973 0.061073979 0.069343 14
15 0.044035687 0.046416643 0.050018615 0.057309 15
16 0.035759527 0.037825555 0.040964448 0.047362 16
17 0.029038806 0.030824561 0.033549229 0.039143 17
18 0.023581191 0.025119355 0.027476284 0.032349 18
19 0.019149292 0.020470104 0.022502638 0.026735 19
20 0.015550333 0.016681367 0.018429302 0.022095 20
21 0.012627771 0.013593873 0.015093304 0.01826 21
22 0.010254481 0.011077833 0.012361175 0.015091 22
23 0.008327232 0.009027477 0.010123605 0.012472 23
24 0.006762194 0.007356614 0.008291071 0.010307 24
25 0.005491293 0.005995005 0.006790255 0.008519 25
26 0.004459248 0.004885411 0.005561111 0.00704 26
27 0.003621167 0.003981188 0.004554461 0.005818 27
28 0.002940598 0.003244325 0.003730031 0.004809 28
29 0.002387935 0.002643844 0.003054836 0.003974 29
30 0.001939142 0.002154505 0.002501862 0.003284 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.981996727 0.982311391 0.982757055 0.983566 1
2 0.964317571 0.964935669 0.965811429 0.967401 2
3 0.946956698 0.947867299 0.949157996 0.951503 3
4 0.929908378 0.931100844 0.932791717 0.935865 4
5 0.913166983 0.914630965 0.91670764 0.920485 5
6 0.896726989 0.898452416 0.900900901 0.905357 6
7 0.880582968 0.882560042 0.885366716 0.890478 7
8 0.864729592 0.866948782 0.870100387 0.875844 8
9 0.849161629 0.851613664 0.855097293 0.86145 9
10 0.83387394 0.836549803 0.840352898 0.847293 10
11 0.818861479 0.8217524 0.825862739 0.833368 11
Anul h= Anul h=
1 0.804119292 0.807216743 0.811622433 0.819672 1
2 0.646607836 0.651598871 0.658730974 0.671862 2
3 0.519949835 0.525981518 0.534640836 0.550707 3
4 0.418101694 0.424581088 0.433926496 0.451399 4
5 0.336203638 0.342728963 0.352184479 0.369999 5
6 0.270347831 0.276656558 0.285840824 0.303278 6
7 0.217391907 0.223321805 0.231994825 0.248589 7
8 0.174809026 0.180269101 0.188292204 0.203761 8
9 0.14056731 0.145516236 0.152822177 0.167017 9
10 0.113032886 0.117463142 0.124033907 0.136899 10
11 0.090891924 0.094818215 0.100668701 0.112213 11
12 0.07308795 0.076538851 0.081704976 0.091978 12
13 0.058771431 0.061783442 0.066313592 0.075391 13
14 0.047259241 0.049872629 0.053821599 0.061796 14
15 0.038002068 0.040258021 0.043682817 0.050653 15
16 0.030558196 0.032496949 0.035453954 0.041519 16
17 0.024572435 0.026232081 0.028775225 0.034032 17
18 0.019759169 0.021174975 0.023354618 0.027895 18
19 0.015888729 0.017092794 0.018955132 0.022865 19
20 0.012776433 0.01379759 0.01538441 0.018741 20
21 0.010273777 0.011137646 0.012486332 0.015362 21
22 0.008261342 0.008990494 0.010134187 0.012592 22
23 0.006643104 0.007257277 0.008225134 0.010321 23
24 0.005341848 0.005858196 0.006675703 0.00846 24
25 0.004295483 0.004728834 0.00541815 0.006934 25
26 0.003454081 0.003817194 0.004397492 0.005684 26
27 0.002777493 0.003081303 0.003569104 0.004659 27
28 0.002233436 0.002487279 0.002896764 0.003819 28
29 0.001795949 0.002007773 0.002351079 0.00313 29
30 0.001444157 0.001620708 0.001908188 0.002566 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.981193786 0.981536697 0.982021182 0.982897 1
2 0.962741245 0.963414287 0.964365601 0.966086 2
3 0.944635727 0.945626478 0.947027448 0.949563 3
4 0.926870705 0.928167089 0.930001013 0.933322 4
5 0.909439776 0.911030059 0.913280694 0.917359 5
6 0.892336657 0.894209435 0.896860987 0.90167 6
7 0.875555183 0.877699375 0.880736486 0.886248 7
8 0.859089304 0.861494146 0.864901885 0.87109 8
9 0.842933087 0.845588118 0.849351971 0.856192 9
10 0.827080707 0.829975769 0.834081626 0.841548 10
11 0.81152645 0.814651674 0.819085824 0.827155 11
Anul h= Anul h=
1 0.796264709 0.799610514 0.804359629 0.813008 1
2 0.634037487 0.639376974 0.646994413 0.660982 2
3 0.504861676 0.51125255 0.520416186 0.537384 3
4 0.402003535 0.408802914 0.418601771 0.436897 4
5 0.320101228 0.326883108 0.336706365 0.355201 5
6 0.254885312 0.26137917 0.270833007 0.288781 6
7 0.202956179 0.209001533 0.217847137 0.234782 7
8 0.161606843 0.167119823 0.175227442 0.190879 8
9 0.128681825 0.133630767 0.140945881 0.155187 9
10 0.102464796 0.106852567 0.113371176 0.126168 10
11 0.081589101 0.085440436 0.091191197 0.102576 11
12 0.064966522 0.068319071 0.073350518 0.083395 12
13 0.051730549 0.054628647 0.059000195 0.067801 13
14 0.04119121 0.043681641 0.047457375 0.055122 14
15 0.032799107 0.034928299 0.038172797 0.044815 15
16 0.026116772 0.027929035 0.030704657 0.036435 16
17 0.020795864 0.02233235 0.024697586 0.029622 17
18 0.016559012 0.017857182 0.019865741 0.024083 18
19 0.013185357 0.01427879 0.0159792 0.01958 19
20 0.010499034 0.011417471 0.012853024 0.015918 20
21 0.008360011 0.00912953 0.010338453 0.012942 21
22 0.006656781 0.007300068 0.008315834 0.010522 22
23 0.00530056 0.005837211 0.006688922 0.008554 23
24 0.004220649 0.004667495 0.005380298 0.006955 24
25 0.003360754 0.003732178 0.004327695 0.005654 25
26 0.00267605 0.002984289 0.003481023 0.004597 26
27 0.002130844 0.002386269 0.002799994 0.003737 27
28 0.001696716 0.001908086 0.002252202 0.003038 28
29 0.001351035 0.001525725 0.001811581 0.00247 29
30 0.001075781 0.001219986 0.001457162 0.002008 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.980392157 0.980764441 0.981289148 0.982234 1
2 0.961168781 0.961898889 0.962928393 0.964783 2
3 0.942322335 0.943396226 0.944911183 0.947643 3
4 0.923845426 0.925249473 0.92723109 0.930807 4
5 0.90573081 0.907451782 0.909881806 0.91427 5
6 0.887971382 0.88999644 0.892857143 0.898027 6
7 0.870560179 0.872876861 0.876151025 0.882072 7
8 0.853490371 0.856086587 0.859757494 0.866401 8
9 0.836755266 0.839619283 0.843670699 0.851008 9
10 0.8203483 0.823468737 0.827884901 0.835889 10
11 0.804263039 0.807628856 0.81239447 0.821038 11
Anul h= Anul h=
1 0.788493176 0.792093663 0.797193878 0.806452 1
2 0.621721488 0.627412371 0.635518078 0.650364 2
3 0.49022315 0.496969364 0.506631121 0.524487 3
4 0.386537609 0.393646284 0.403883228 0.422974 4
5 0.304782266 0.311804727 0.321973237 0.341108 5
6 0.240318737 0.246978548 0.256675093 0.275087 6
7 0.189489684 0.195630143 0.204619813 0.221844 7
8 0.149411323 0.154957397 0.163121662 0.178907 8
9 0.117809808 0.122740772 0.13003959 0.14428 9
10 0.09289223 0.097222188 0.103666765 0.116354 10
11 0.073244889 0.077009079 0.08264251 0.093834 11
12 0.057753095 0.060998403 0.065882103 0.075673 12
13 0.045537922 0.048316449 0.052520809 0.061026 13
14 0.03590634 0.038271153 0.041869268 0.049215 14
15 0.028311904 0.030314338 0.033377924 0.039689 15
16 0.022323743 0.024011795 0.026608677 0.032008 16
17 0.017602119 0.01901959 0.021212274 0.025813 17
18 0.013879151 0.015065297 0.016910295 0.020817 18
19 0.010943616 0.011933126 0.013480784 0.016788 19
20 0.008628966 0.009452154 0.010746798 0.013538 20
21 0.006803881 0.007486991 0.008567282 0.010918 21
22 0.005364814 0.005930398 0.006829785 0.008805 22
23 0.004230119 0.004697431 0.005444662 0.007101 23
24 0.00333542 0.003720805 0.004340452 0.005726 24
25 0.002629956 0.002947226 0.003460181 0.004618 25
26 0.002073702 0.002334479 0.002758435 0.003724 26
27 0.0016351 0.001849126 0.002199008 0.003003 27
28 0.001289265 0.001464681 0.001753036 0.002422 28
29 0.001016577 0.001160165 0.001397509 0.001953 29
30 0.000801564 0.000918959 0.001114086 0.001575 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.979591837 0.97999461 0.980560918 0.981577 1
2 0.959600167 0.960389436 0.961499714 0.963492 2
3 0.94001649 0.941176471 0.942809042 0.945742 3
4 0.92083248 0.922347868 0.924481699 0.928318 4
5 0.90203998 0.90389594 0.906510623 0.911215 5
6 0.883631001 0.885813149 0.888888889 0.894427 6
7 0.865597715 0.868092111 0.871609705 0.877949 7
8 0.847932456 0.85072559 0.854666412 0.861774 8
9 0.830627712 0.833706493 0.838052481 0.845897 9
10 0.813676126 0.817027869 0.82176151 0.830313 10
11 0.797070491 0.800682908 0.805787221 0.815015 11
Anul h= Anul h=
1 0.780803746 0.784664935 0.790123457 0.8 1
2 0.60965449 0.61569906 0.624295077 0.64 2
3 0.476020509 0.483117462 0.493270184 0.512 3
4 0.371678597 0.379085332 0.389744343 0.4096 4
5 0.29020804 0.297454967 0.307946148 0.32768 5
6 0.226595525 0.233402482 0.243315475 0.262144 6
7 0.176926635 0.183142744 0.192249264 0.209715 7
8 0.138144979 0.143705689 0.151900653 0.167772 8
9 0.107864117 0.112760815 0.120020269 0.134218 9
10 0.084220707 0.088479457 0.09483083 0.107374 10
11 0.065759843 0.069426728 0.074928063 0.085899 11
12 0.051345532 0.054476719 0.05920242 0.068719 12
13 0.040090784 0.042745971 0.046777221 0.054976 13
14 0.031303034 0.033541265 0.036959779 0.04398 14
15 0.024441526 0.026318654 0.029202789 0.035184 15
16 0.019084035 0.020651325 0.023073808 0.028147 16
17 0.014900886 0.016204371 0.018231157 0.022518 17
18 0.011634668 0.012715001 0.014404865 0.018014 18
19 0.009084392 0.009977016 0.011381622 0.014412 19
20 0.007093127 0.007828614 0.008992886 0.011529 20
21 0.00553834 0.006142839 0.00710549 0.009223 21
22 0.004324357 0.004820071 0.005614215 0.007379 22
23 0.003376474 0.00378214 0.004435923 0.005903 23
24 0.002636364 0.002967713 0.003504927 0.004722 24
25 0.002058483 0.00232866 0.002769325 0.003778 25
26 0.001607271 0.001827218 0.002188108 0.003022 26
27 0.001254963 0.001433754 0.001728876 0.002418 27
28 0.00097988 0.001125016 0.001366025 0.001934 28
29 0.000765094 0.000882761 0.001079329 0.001547 29
30 0.000597388 0.000692672 0.000852803 0.001238 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.978792822 0.97922719 0.979836453 0.980925 1
2 0.958035389 0.95888589 0.960079476 0.962214 2
3 0.937718162 0.938967136 0.940720868 0.94386 3
4 0.917831806 0.919462151 0.921752599 0.925855 4
5 0.898367184 0.900362338 0.903166798 0.908195 5
6 0.879315351 0.881659283 0.884955752 0.890871 6
7 0.860667554 0.863344742 0.867111906 0.873877 7
8 0.842415224 0.845410646 0.849627854 0.857208 8
9 0.824549975 0.827849092 0.832496344 0.840857 9
10 0.807063597 0.81065234 0.815710265 0.824818 10
11 0.789948056 0.793812813 0.799262653 0.809084 11
Anul h= Anul h=
1 0.773195487 0.777323091 0.783146683 0.793651 1
2 0.597831261 0.604231188 0.613318728 0.629882 2
3 0.462240433 0.469682854 0.480318527 0.499906 3
4 0.357402216 0.365095328 0.376159862 0.396751 4
5 0.276341781 0.283797029 0.294588348 0.314882 5
6 0.213666218 0.220601984 0.230705888 0.249906 6
7 0.165205755 0.171479016 0.180676551 0.198338 7
8 0.127736344 0.133294599 0.141496242 0.157411 8
9 0.098765165 0.103612969 0.110812312 0.12493 9
10 0.07636478 0.080540754 0.086782295 0.09915 10
11 0.059044903 0.062606188 0.067963266 0.078691 11
12 0.045653253 0.048665235 0.053225207 0.062453 12
13 0.035298889 0.037828611 0.041683144 0.049566 13
14 0.027292942 0.029405053 0.032644016 0.039338 14
15 0.021102779 0.022857227 0.025565053 0.031221 15
16 0.016316574 0.01776745 0.020021186 0.024778 16
17 0.012615901 0.013811049 0.015679526 0.019665 17
18 0.009754558 0.010735647 0.012279369 0.015607 18
19 0.00754218 0.008345067 0.009616547 0.012387 19
20 0.00583158 0.006486813 0.007531167 0.009831 20
21 0.004508951 0.00504235 0.005898008 0.007802 21
22 0.003486301 0.003919535 0.004619006 0.006192 22
23 0.002695592 0.003046745 0.003617359 0.004914 23
24 0.002084219 0.002368305 0.002832923 0.0039 24
25 0.001611509 0.001840938 0.002218594 0.003096 25
26 0.001246012 0.001431004 0.001737484 0.002457 26
27 0.000963411 0.001112352 0.001360705 0.00195 27
28 0.000744905 0.000864657 0.001065632 0.001547 28
29 0.000575957 0.000672118 0.000834546 0.001228 29
30 0.000445327 0.000522453 0.000653572 0.000975 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.97799511 0.978462169 0.979115719 0.980279 1
2 0.956474435 0.957388216 0.958667592 0.960947 2
3 0.935427321 0.93676815 0.938646509 0.941996 3
4 0.914843345 0.916592196 0.919043552 0.923419 4
5 0.894712318 0.896850788 0.899849988 0.905208 5
6 0.875024272 0.877534567 0.881057269 0.887357 6
7 0.855769459 0.858634375 0.862657021 0.869857 7
8 0.836938346 0.840141253 0.84464105 0.852702 8
9 0.81852161 0.822046432 0.827001329 0.835886 9
10 0.800510132 0.804341335 0.809730002 0.819402 10
11 0.782894995 0.787017567 0.792819373 0.803242 11
Anul h= Anul h=
1 0.765667477 0.770066916 0.776261911 0.787402 1
2 0.586246685 0.593003055 0.602582554 0.620001 2
3 0.44887002 0.456652033 0.467761885 0.48819 3
4 0.343685175 0.351652623 0.363105735 0.384402 4
5 0.263148561 0.270796051 0.281865151 0.302678 5
6 0.201484295 0.208531079 0.218801181 0.238329 6
7 0.154269971 0.160582885 0.169847023 0.187661 7
8 0.1181195 0.123659567 0.131845774 0.147765 8
9 0.090440259 0.095226141 0.102346853 0.11635 9
10 0.069247165 0.073330501 0.079447964 0.091614 10
11 0.053020302 0.056469393 0.061672428 0.072137 11
12 0.040595921 0.043485211 0.047873957 0.056801 12
13 0.031082976 0.033486522 0.037162729 0.044725 13
14 0.023799224 0.025786863 0.028848011 0.035217 14
15 0.018222292 0.01985761 0.022393612 0.02773 15
16 0.013952216 0.015291689 0.017383308 0.021834 16
17 0.010682758 0.011775623 0.013494 0.017192 17
18 0.00817944 0.009068018 0.010474878 0.013537 18
19 0.006262732 0.006982981 0.008131249 0.010659 19
20 0.00479517 0.005377362 0.006311979 0.008393 20
21 0.003671506 0.004140929 0.004899749 0.006609 21
22 0.002811152 0.003188792 0.003803488 0.005204 22
23 0.002152408 0.002455583 0.002952503 0.004097 23
24 0.001648029 0.001890964 0.002291916 0.003226 24
25 0.001261842 0.001456168 0.001779127 0.00254 25
26 0.000966151 0.001121347 0.001381068 0.002 26
27 0.000739751 0.000863512 0.001072071 0.001575 27
28 0.000566403 0.000664962 0.000832208 0.00124 28
29 0.000433676 0.000512065 0.000646011 0.000977 29
30 0.000332052 0.000394325 0.000501474 0.000769 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.977198697 0.977699532 0.97839868 0.979638 1
2 0.954917294 0.955896375 0.957263977 0.959692 2
3 0.933143935 0.934579439 0.936585812 0.940151 3
4 0.911867038 0.913737881 0.916354322 0.921008 4
5 0.891075281 0.893361099 0.896559859 0.902255 5
6 0.870757604 0.873438728 0.877192982 0.883883 6
7 0.850903196 0.853960636 0.858244456 0.865886 7
8 0.831501494 0.834916915 0.839705243 0.848256 8
9 0.812542177 0.816297877 0.821566501 0.830984 9
10 0.794015156 0.798094052 0.803819581 0.814064 10
11 0.775910576 0.780296182 0.786456017 0.797488 11
Anul h= Anul h=
1 0.758218804 0.762895212 0.769467528 0.78125 1
2 0.574895755 0.582009105 0.592080277 0.610352 2
3 0.435896772 0.444011959 0.455586548 0.476837 3
4 0.330505129 0.338734598 0.350559055 0.372529 4
5 0.250595204 0.258419003 0.26974381 0.291038 5
6 0.190005996 0.19714662 0.207559102 0.227374 6
7 0.144066119 0.150402212 0.15970999 0.177636 7
8 0.10923364 0.114741128 0.122891651 0.138778 8
9 0.082823 0.087535457 0.094561135 0.10842 9
10 0.062797956 0.066780381 0.072761723 0.084703 10
11 0.047614591 0.050946433 0.055987783 0.066174 11
12 0.036102278 0.03886679 0.043080781 0.051699 12
13 0.027373426 0.029651288 0.033149262 0.04039 13
14 0.020755047 0.022620826 0.025507281 0.031554 14
15 0.015736867 0.017257319 0.019627024 0.024652 15
16 0.011931988 0.013165526 0.015102358 0.019259 16
17 0.009047058 0.010043917 0.011620774 0.015046 17
18 0.006859649 0.007662456 0.008941808 0.011755 18
19 0.005201115 0.005845651 0.006880431 0.009184 19
20 0.003943583 0.004459619 0.005294268 0.007175 20
21 0.002990099 0.003402222 0.004073768 0.005605 21
22 0.002267149 0.002595539 0.003134632 0.004379 22
23 0.001718995 0.001980124 0.002411997 0.003421 23
24 0.001303375 0.001510627 0.001855954 0.002673 24
25 0.000988243 0.00115245 0.001428096 0.002088 25
26 0.000749304 0.000879199 0.001098874 0.001631 26
27 0.000568137 0.000670737 0.000845548 0.001274 27
28 0.000430772 0.000511702 0.000650621 0.000996 28
29 0.000326619 0.000390375 0.000500632 0.000778 29
30 0.000247649 0.000297815 0.00038522 0.000608 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.97640358 0.976939268 0.9776853 0.979003 1
2 0.953363951 0.954410333 0.955868547 0.958448 2
3 0.930867975 0.932400932 0.934538627 0.938323 3
4 0.908902824 0.910899084 0.913684678 0.918622 4
5 0.887455971 0.889893085 0.893296079 0.899334 5
6 0.866515187 0.869371499 0.873362445 0.880451 6
7 0.846068531 0.849323156 0.853873625 0.861964 7
8 0.826104343 0.829737142 0.834819691 0.843866 8
9 0.806611238 0.810602796 0.816190941 0.826148 9
10 0.787578101 0.791909702 0.797977885 0.808801 10
11 0.768994077 0.773647685 0.780171248 0.791819 11
Anul h= Anul h=
1 0.75084857 0.755806803 0.762761961 0.775194 1
2 0.563773575 0.571243923 0.581805809 0.600925 2
3 0.423308583 0.431750043 0.44377934 0.465834 3
4 0.317840644 0.32631962 0.338498 0.361111 4
5 0.238650193 0.246634589 0.258193398 0.279931 5
6 0.179190156 0.1864081 0.196940103 0.217001 6
7 0.134544672 0.14088851 0.150218419 0.168218 7
8 0.101022675 0.106484494 0.114580896 0.130401 8
9 0.075852731 0.080481705 0.087397949 0.101086 9
10 0.056953915 0.06082862 0.066663831 0.078362 10
11 0.042763765 0.045974685 0.050848634 0.060745 11
12 0.032109112 0.03474798 0.038785404 0.047089 12
13 0.024109081 0.026262759 0.029584031 0.036503 13
14 0.018102269 0.019849572 0.022565573 0.028297 14
15 0.013592063 0.015002442 0.017212161 0.021936 15
16 0.010205581 0.011338948 0.013128782 0.017005 16
17 0.007662846 0.008570054 0.010014135 0.013182 17
18 0.005753637 0.006477305 0.007638401 0.010218 18
19 0.00432011 0.004895591 0.005826282 0.007921 19
20 0.003243748 0.003700121 0.004444066 0.006141 20
21 0.002435564 0.002796577 0.003389765 0.00476 21
22 0.00182874 0.002113672 0.002585584 0.00369 22
23 0.001373107 0.001597527 0.001972185 0.00286 23
24 0.001030995 0.001207422 0.001504308 0.002217 24
25 0.000774121 0.000912578 0.001147429 0.001719 25
26 0.000581248 0.000689733 0.000875215 0.001333 26
27 0.000436429 0.000521305 0.000667581 0.001033 27
28 0.000327692 0.000394006 0.000509205 0.000801 28
29 0.000246047 0.000297792 0.000388402 0.000621 29
30 0.000184744 0.000225073 0.000296258 0.000481 30
1
(1 + ra )h
0 1 1 1 1 0
1 0.975609756 0.976181363 0.976975546 0.978374 1
2 0.951814396 0.952930053 0.954481217 0.957215 2
3 0.928599411 0.930232558 0.932504808 0.936514 3
4 0.905950645 0.908075686 0.911034394 0.91626 4
5 0.883854288 0.886446561 0.890058324 0.896445 5
6 0.862296866 0.865332612 0.869565217 0.877058 6
7 0.841265235 0.844721569 0.849543953 0.85809 7
8 0.820746571 0.824601452 0.829983667 0.839533 8
9 0.800728362 0.80496057 0.810873746 0.821377 9
10 0.781198402 0.785787506 0.792203821 0.803613 10
11 0.762144782 0.767071118 0.77396376 0.786234 11
Anul h= Anul h=
1 0.743555885 0.74880053 0.756143667 0.769231 1
2 0.552875354 0.560702233 0.571753246 0.591716 2
3 0.411093723 0.419854129 0.432327596 0.455166 3
4 0.305671157 0.314386995 0.326901774 0.350128 4
5 0.227283588 0.235413148 0.247184706 0.269329 5
6 0.168998049 0.17627749 0.18690715 0.207176 6
7 0.125659494 0.131996678 0.141328658 0.159366 7
8 0.093434856 0.098839182 0.10686477 0.122589 8
9 0.069474037 0.074010832 0.080805119 0.0943 9
10 0.051657829 0.05541935 0.061100279 0.072538 10
11 0.038410483 0.041498039 0.046200589 0.055799 11
12 0.028560341 0.031073753 0.034934283 0.042922 12
13 0.021236209 0.023268043 0.026415337 0.033017 13
14 0.015790308 0.017423123 0.01997379 0.025398 14
15 0.011740977 0.013046444 0.015103054 0.019537 15
16 0.008730072 0.009769184 0.011420079 0.015028 16
17 0.006491297 0.00731517 0.00863522 0.01156 17
18 0.004826642 0.005477603 0.006529467 0.008892 18
19 0.003588878 0.004101632 0.004937215 0.00684 19
20 0.002668531 0.003071304 0.003733244 0.005262 20
21 0.001984202 0.002299794 0.002822869 0.004048 21
22 0.001475365 0.001722087 0.002134494 0.003113 22
23 0.001097016 0.0012895 0.001613984 0.002395 23
24 0.000815693 0.000965578 0.001220404 0.001842 24
25 0.000606513 0.000723025 0.000922801 0.001417 25
26 0.000450977 0.000541402 0.00069777 0.00109 26
27 0.000335326 0.000405402 0.000527614 0.000839 27
28 0.000249334 0.000303565 0.000398952 0.000645 28
29 0.000185394 0.00022731 0.000301665 0.000496 29
30 0.000137851 0.00017021 0.000228102 0.000382 30
Factorii de acumulare (compunere) pentru 1 f can =

(1 + ra )h 1 sau valoarea viitoare a plilor
ra
periodice de 1 leu; pentru ra= 1 % avem valorile:
0 1 0 0 0 0
1 1 0.333055941 0.166320502 0.082953811 1
2 2.000833333 0.666389197 0.332779316 0.165976436 2
3 3.002500694 1 0.499376558 0.249067931 3
4 4.005002778 1.333888581 0.666112342 0.332228354 4
5 5.008340281 1.66805517 0.832986784 0.415457762 5
6 6.012513898 2.0025 1 1.004987562 6
7 7.017524326 2.337223302 1.167152104 0.58212376 7
8 8.023372263 2.672225308 1.334443212 0.665560465 8
9 9.030058406 3.00750625 1.50187344 0.749066384 9
10 10.03758345 3.34306636 1.669442904 0.832641575 10
11 11.04594811 3.678905871 1.837151718 0.916286094 11
Anul h= Anul h=
1 12.05515306 4.015025016 2.005 1 1
2 24.23141173 8.070351096 4.030100125 2.01 2
3 36.5299926 12.16638277 6.075501879 3.0301 3
4 48.95212455 16.30352861 8.141408785 4.060401 4
5 61.49904874 20.48220131 10.22802641 5.10100501 5
6 74.17201884 24.7028177 12.33556237 6.15201506 6
7 86.97230111 28.9657988 14.46422639 7.213535211 7
8 99.90117451 33.27156983 16.61423026 8.285670563 8
9 112.9599309 37.62056031 18.78578791 9.368527268 9
10 126.149875 42.01320405 20.97911544 10.46221254 10
11 139.4723247 46.44993923 23.19443107 11.56683467 11
12 152.9286113 50.93120842 25.43195524 12.68250301 12
13 166.5200792 55.45745862 27.69191059 13.80932804 13
14 180.2480865 60.02914135 29.974522 14.94742132 14
15 194.1140048 64.64671262 32.28001658 16.09689554 15
16 208.1192196 69.31063306 34.60862375 17.25786449 16
17 222.2651302 74.02136789 36.9605752 18.43044314 17
18 236.55315 78.77938701 39.33610496 19.61474757 18
19 250.9847068 83.58516505 41.73544942 20.81089504 19
20 265.5612424 88.43918139 44.1588473 22.01900399 20
21 280.2842133 93.34192022 46.60653974 23.23919403 21
22 295.1550906 98.2938706 49.0787703 24.47158598 22
23 310.1753602 103.2955265 51.57578497 25.71630183 23
24 325.3465228 108.3473868 54.09783222 26.97346485 24
25 340.6700943 113.4499555 56.64516299 28.2431995 25
26 356.1476058 118.6037415 59.21803075 29.5256315 26
27 371.7806038 123.809259 61.8166915 30.82088781 27
28 387.5706503 129.0670272 64.44140384 32.12909669 28
29 403.5193229 134.3775706 67.09242891 33.45038766 29
30 419.6282153 139.7414189 69.77003051 34.78489153 30

ra
periodice de 1 leu pentru ra=2 % avem valorile
0 1 0 0 0 0
1 1 0.332779316 0.165976436 0.082579065 1
2 2.001666667 0.666112342 0.332228354 0.165294516 2
3 3.005002778 1 0.498756211 0.248146579 3
4 4.010011116 1.334443212 0.665560465 0.331135478 4
5 5.016694468 1.669442904 0.832641575 0.41426144 5
6 6.025055625 2.005 1 1.009950494 6
7 7.035097384 2.341115429 1.167636201 0.580925459 7
8 8.046822547 2.677790118 1.335550638 0.66446397 8
9 9.060233918 3.015025 1.503743773 0.748140451 9
10 10.07533431 3.352821006 1.67221607 0.831955131 10
11 11.09212653 3.691179069 1.840967991 0.915908238 11
Anul h= Anul h=
1 12.11061341 4.030100125 2.01 1 1
2 24.46567175 8.141408785 4.060401 2.02 2
3 37.07010898 12.33556237 6.15201506 3.0604 3
4 49.92895865 16.61423026 8.285670563 4.121608 4
5 63.04735592 20.97911544 10.46221254 5.20404016 5
6 76.43053958 25.43195524 12.68250301 6.308120963 6
7 90.08385419 29.974522 14.94742132 7.434283382 7
8 104.0127522 34.60862375 17.25786449 8.58296905 8
9 118.2227959 39.33610496 19.61474757 9.754628431 9
10 132.7196603 44.1588473 22.01900399 10.949721 10
11 147.5091346 49.0787703 24.47158598 12.16871542 11
12 162.5971248 54.09783222 26.97346485 13.41208973 12
13 177.9896564 59.21803075 29.5256315 14.68033152 13
14 193.6928764 64.44140384 32.12909669 15.97393815 14
15 209.7130557 69.77003051 34.78489153 17.29341692 15
16 226.056592 75.20603168 37.49406785 18.63928525 16
17 242.7300121 80.75157099 40.25769862 20.01207096 17
18 259.7399744 86.4088557 43.07687836 21.41231238 18
19 277.0932718 92.18013752 45.95272361 22.84055863 19
20 294.7968344 98.06771357 48.88637336 24.2973698 20
21 312.8577319 104.0739272 51.87898946 25.78331719 21
22 331.2831771 110.2011691 54.93175715 27.29898354 22
23 350.080528 116.4518779 58.04588547 28.84496321 23
24 369.2572913 122.8285417 61.22260777 30.42186247 24
25 388.8211252 129.3336984 64.46318218 32.03029972 25
26 408.7798425 135.9699373 67.76889215 33.67090572 26
27 429.1414136 142.7398998 71.14104688 35.34432383 27
28 449.91397 149.6462803 74.58098192 37.05121031 28
29 471.105807 156.6918279 78.09005966 38.79223451 29
30 492.7253875 163.8793468 81.66966986 40.56807921 30

ra
periodice de 1 leu pentru ra =3 % avem valorile:
0 1 0 0 0 0
1 1 0.332503455 0.165634448 0.082208992 1
2 2.0025 0.665836099 0.331680418 0.164620734 2
3 3.00750625 1 0.498138932 0.247235726 3
4 4.015025016 1.334997231 0.665011015 0.330054468 4
5 5.025062578 1.67082987 0.832297694 0.413077464 5
6 6.037625235 2.0075 1 1.014889157 6
7 7.052719298 2.34500971 1.168118965 0.579738232 7
8 8.070351096 2.683361094 1.336655624 0.663377015 8
9 9.090526974 3.02255625 1.505611016 0.747222074 9
10 10.11325329 3.362597283 1.67498618 0.831273918 10
11 11.13853642 3.703486302 1.84478216 0.915533056 11
Anul h= Anul h=
1 12.16638277 4.045225422 2.015 1 1
2 24.7028177 8.213179709 4.090903375 2.03 2
3 37.62056031 12.50758636 6.22955093 3.0909 3
4 50.93120842 16.93228183 8.432839106 4.183627 4
5 64.64671262 21.49121897 10.70272167 5.30913581 5
6 78.77938701 26.18847059 13.04121143 6.468409884 6
7 93.34192022 31.02823301 15.45038205 7.662462181 7
8 108.3473868 36.01482991 17.93236984 8.892336046 8
9 123.809259 41.15271612 20.48937572 10.15910613 9
10 139.7414189 46.44648164 23.1236671 11.46387931 10
11 156.1581706 51.90085573 25.83757994 12.80779569 11
12 173.0742536 57.52071111 28.6335208 14.19202956 12
13 190.5048554 63.31106835 31.51396896 15.61779045 13
14 208.4656256 69.27710035 34.48147867 17.08632416 14
15 226.9726899 75.42413693 37.53868137 18.59891389 15
16 246.0426642 81.75766962 40.68828801 20.1568813 16
17 265.69267 88.28335657 43.93309152 21.76158774 17
18 285.9403496 95.00702758 47.27596921 23.41443537 18
19 306.8038817 101.9346893 50.71988538 25.11686844 19
20 328.3019981 109.0725307 54.26789391 26.87037449 20
21 350.4540003 116.4269284 57.923141 28.67648572 21
22 373.2797769 124.0044526 61.68886794 30.5367803 22
23 396.7998212 131.8118728 65.56841398 32.4528837 23
24 421.0352503 139.8561638 69.56521929 34.42647022 24
25 446.0078231 148.144512 73.68282804 36.45926432 25
26 471.7399606 156.684322 77.92489152 38.55304225 26
27 498.2547656 165.483223 82.29517136 40.70963352 27
28 525.5760439 174.5490754 86.79754292 42.93092252 28
29 553.728325 183.8899785 91.43599865 45.2188502 29
30 582.7368846 193.5142771 96.21465171 47.57541571 30

(1 + ra )h 1 sau valoarea viitoare a
ra
plilor periodice de 1 leu ; pentru ra= 4 % avem valorile:
0 1 0 0 0 0
1 1 0.332228354 0.165294516 0.081843495 1
2 2.003333333 0.665560465 0.331135478 0.163954923 2
3 3.010011111 1 0.497524692 0.246335164 3
4 4.020044481 1.335550638 0.66446397 0.328985096 4
5 5.03344463 1.67221607 0.831955131 0.411905602 5
6 6.050222779 2.01 1 1.019803903 6
7 7.070390188 2.348906144 1.168600407 0.578561883 7
8 8.093958155 2.688938231 1.337758188 0.662299439 8
9 9.120938016 3.0301 1.507475186 0.746311129 9
10 10.15134114 3.372395206 1.67775325 0.830597852 10
11 11.18517895 3.715827613 1.848594234 0.915160508 11
Anul h= Anul h=
1 12.22246288 4.060401 2.02 1 1
2 24.94288775 8.285670563 4.121608 2.04 2
3 38.18156236 12.68250301 6.308120963 3.1216 3
4 51.95960099 17.25786449 8.58296905 4.246464 4
5 66.29897818 22.01900399 10.949721 5.41632256 5
6 81.22256372 26.97346485 13.41208973 6.632975462 6
7 96.75415917 32.12909669 15.97393815 7.898294481 7
8 112.9185358 37.49406785 18.63928525 9.21422626 8
9 129.741474 43.07687836 21.41231238 10.58279531 9
10 147.2498047 48.88637336 24.2973698 12.00610712 10
11 165.4714518 54.93175715 27.29898354 13.48635141 11
12 184.435477 61.22260777 30.42186247 15.02580546 12
13 204.1721258 67.76889215 33.67090572 16.62683768 13
14 224.7128761 74.58098192 37.05121031 18.29191119 14
15 246.0904882 81.66966986 40.56807921 20.02358764 15
16 268.3390573 89.04618695 44.22702961 21.82453114 16
17 291.4940674 96.72222021 48.0338016 23.69751239 17
18 315.5924483 104.7099312 51.99436719 25.64541288 18
19 340.6726345 113.0219753 56.11493962 27.6712294 19
20 366.7746261 121.6715217 60.40198318 29.77807858 20
21 393.9400531 130.6722744 64.8622233 31.96920172 21
22 422.2122416 140.0384937 69.50265712 34.24796979 22
23 451.6362826 149.7850191 74.33056447 36.61788858 23
24 482.2591045 159.9272926 79.35351927 39.08260412 24
25 514.1295474 170.4813829 84.57940145 41.64590829 25
26 547.2984413 181.4640117 90.01640927 44.31174462 26
27 581.8186871 192.8925793 95.67307221 47.0842144 27
28 617.745341 204.7851925 101.5582643 49.96758298 28
29 655.1357022 217.1606935 107.6812182 52.9662863 29
30 694.0494044 230.0386895 114.0515394 56.08493775 30

ra
0 1 0 0 0 0
1 1 0.33195401 0.164956619 0.081482476 1
2 2.004166667 0.665285438 0.330593504 0.163296921 2
3 3.012517361 1 0.496913463 0.245444689 3
4 4.025069517 1.336103435 0.66391931 0.327927136 4
5 5.04184064 1.673601506 0.831613876 0.410745628 5
6 6.062848309 2.0125 1 1.024695077 6
7 7.088110177 2.352804728 1.169080534 0.577396224 7
8 8.117643969 2.694521525 1.338858342 0.661231083 8
9 9.151467486 3.03765625 1.509336299 0.745407496 9
10 10.1895986 3.382214787 1.680517293 0.829926854 10
11 11.23205526 3.728203044 1.852404223 0.914790554 11
Anul h= Anul h=
1 12.27885549 4.075626953 2.025 1 1
2 25.18592053 8.358888095 4.152515625 2.05 2
3 38.75333552 12.86036142 6.387736729 3.1525 3
4 53.01488521 17.59116382 8.7361159 4.310125 4
5 68.00608284 22.56297854 11.20338177 5.52563125 5
6 83.7642586 27.78808403 13.79555297 6.801912813 6
7 100.3286525 33.27938429 16.51895284 8.142008453 7
8 117.7405123 39.05044069 19.38022483 9.549108876 8
9 136.0431959 45.1155055 22.38634871 11.02656432 9
10 155.2822794 51.48955708 25.54465761 12.57789254 10
11 175.5056711 58.18833687 28.8628559 14.20678716 11
12 196.7637298 65.22838824 32.34903798 15.91712652 12
13 219.1093911 72.62709741 36.01170803 17.71298285 13
14 242.5982989 80.40273631 39.85980075 19.59863199 14
15 267.2889438 88.57450776 43.90270316 21.57856359 15
16 293.2428089 97.16259285 48.15027751 23.65749177 16
17 320.5245231 106.1882008 52.61288531 25.84036636 17
18 349.2020215 115.6736215 57.30141263 28.13238467 18
19 379.3467151 125.64228 62.22729664 30.53900391 19
20 411.0336685 136.1187953 67.40255354 33.0659541 20
21 444.3417866 147.1290401 72.83980781 35.71925181 21
22 479.3540112 158.7002056 78.55232308 38.5052144 22
23 516.1575276 170.860868 84.55403443 41.43047512 23
24 554.8439819 183.6410594 90.85958243 44.50199887 24
25 595.5097085 197.072342 97.48434879 47.72709882 25
26 638.2559709 211.1878858 104.4444939 51.11345376 26
27 683.1892132 226.0225508 111.7569965 54.66912645 27
28 730.4213254 241.6129727 119.4396944 58.40258277 28
29 780.0699222 257.997654 127.5113289 62.32271191 29
30 832.2586354 275.2170583 135.99159 66.4388475 30

ra
0 1 0 0 0 0
1 1 0.331680418 0.164620734 0.081125843 1
2 2.005 0.665011015 0.330054468 0.16264657 2
3 3.015025 1 0.496305217 0.244564103 3
4 4.030100125 1.336655624 0.663377015 0.326880374 4
5 5.050250626 1.67498618 0.831273918 0.409597323 5
6 6.075501879 2.015 1 1.029563014 6
7 7.105879388 2.356705459 1.169559356 0.576241069 7
8 8.141408785 2.700110973 1.339956102 0.660171794 8
9 9.182115829 3.045225 1.511194373 0.744511056 9
10 10.22802641 3.392056041 1.683278326 0.829260844 10
11 11.27916654 3.740612637 1.856212135 0.914423156 11
Anul h= Anul h=
1 12.33556237 4.090903375 2.03 1 1
2 25.43195524 8.432839106 4.183627 2.06 2
3 39.33610496 13.04121143 6.468409884 3.1836 3
4 54.09783222 17.93236984 8.892336046 4.374616 4
5 69.77003051 23.1236671 11.46387931 5.63709296 5
6 86.4088557 28.6335208 14.19202956 6.975318538 6
7 104.0739272 34.48147867 17.08632416 8.39383765 7
8 122.8285417 40.68828801 20.1568813 9.897467909 8
9 142.7398998 47.27596921 23.41443537 11.49131598 9
10 163.8793468 54.26789391 26.87037449 13.18079494 10
11 186.3226287 61.68886794 30.5367803 14.97164264 11
12 210.1501631 69.56521929 34.42647022 16.8699412 12
13 235.4473277 77.92489152 38.55304225 18.88213767 13
14 262.3047661 86.79754292 42.93092252 21.01506593 14
15 290.8187124 96.21465171 47.57541571 23.27596988 15
16 321.0913367 106.2096277 52.50275852 25.67252808 16
17 353.2311101 116.817931 57.73017652 28.21287976 17
18 387.3531944 128.0771974 63.27594427 30.90565255 18
19 423.5798542 140.0273723 69.15944927 33.7599917 19
20 462.0408952 152.7108525 75.40125973 36.7855912 20
21 502.8741289 166.172636 82.02319645 39.99272668 21
22 546.2258672 180.4604823 89.04840911 43.39229028 22
23 592.2514459 195.6250816 96.50145723 46.99582769 23
24 641.1157815 211.7202346 104.408396 50.81557735 24
25 692.9939624 228.8030433 112.7968673 54.864512 25
26 748.071876 246.9341138 121.6961965 59.15638272 26
27 806.5468748 266.1777712 131.1374949 63.70576568 27
28 868.6284836 286.6022877 141.1537683 68.52811162 28
29 934.5391502 308.2801251 151.7800328 73.63979832 29
30 1004.515042 331.2881915 163.0534368 79.05818622 30

ra
plilor periodice de 1 leu ; pentru ra= 7% avem valorile:
0 1 0 0 0 0
1 1 0.331407575 0.164286843 0.080773506 1
2 2.005833333 0.664737193 0.329518341 0.162003716 2
3 3.017534028 1 0.495699928 0.243693214 3
4 4.03513631 1.337207208 0.662837065 0.325844597 4
5 5.058674605 1.676370094 0.830935247 0.408460475 5
6 6.08818354 2.0175 1 1.034408043 6
7 7.123697944 2.360608334 1.170036882 0.575096239 7
8 8.165252849 2.705706571 1.341051483 0.659121423 8
9 9.21288349 3.05280625 1.513049425 0.743621696 9
10 10.26662531 3.40191898 1.686036362 0.828599747 10
11 11.32651396 3.753056436 1.86001798 0.914058276 11
Anul h= Anul h=
1 12.39258529 4.106230359 2.035 1 1
2 25.68103157 8.507530455 4.214942875 2.07 2
3 39.93010071 13.22510371 6.550152181 3.2149 3
4 55.20923621 18.28167721 9.05168677 4.439943 4
5 71.59290165 23.70161119 11.73139316 5.75073901 5
6 89.16094359 29.51101637 14.60196164 7.153290741 6
7 107.9989807 35.73787977 17.67698636 8.654021093 7
8 128.198821 42.41219955 20.97102971 10.25980257 8
9 149.8589095 49.56612949 24.4996913 11.97798875 9
10 173.0848074 57.2341339 28.27968181 13.81644796 10
11 197.9897074 65.45315367 32.32890215 15.78359932 11
12 224.6949847 74.26278425 36.66652821 17.88845127 12
13 253.3307886 83.70546635 41.31310168 20.14064286 13
14 284.0366771 93.82669043 46.29062734 22.55048786 14
15 316.9622967 104.6752159 51.62267728 25.12902201 15
16 352.2681121 116.3033058 57.33450247 27.88805355 16
17 390.1261877 128.7669791 63.4531524 30.8402173 17
18 430.7210266 142.1262798 70.00760318 33.99903251 18
19 474.2504697 156.445567 77.02889472 37.37896479 19
20 520.9266598 171.7938242 84.55027775 40.99549232 20
21 570.9770755 188.2449924 92.60737128 44.86517678 21
22 624.6456397 205.8783256 101.2383313 49.00573916 22
23 682.1939088 224.7787729 110.4840314 53.4361409 23
24 743.9023469 245.0373882 120.3882566 58.17667076 24
25 810.071693 266.7517679 130.9979102 63.24903772 25
26 881.0244265 290.0265219 142.3632363 68.67647036 26
27 957.1063388 314.9737772 154.5380578 74.48382328 27
28 1038.688219 341.713718 167.580031 80.69769091 28
29 1126.167659 370.3751651 181.5509187 87.34652927 29
30 1219.970996 401.0961961 196.5168829 94.46078632 30

ra
0 1 0 0 0 0
1 1 0.331135478 0.163954923 0.080425376 1
2 2.006666667 0.66446397 0.328985096 0.161368212 2
3 3.020044444 1 0.495097568 0.242831836 3
4 4.040178074 1.337758188 0.662299439 0.3248196 4
5 5.067112595 1.67775325 0.830597852 0.407334876 5
6 6.100893345 2.02 1 1.039230485 6
7 7.141565967 2.364513351 1.17051312 0.57396156 7
8 8.189176407 2.711308314 1.342144499 0.658079822 8
9 9.243770917 3.0604 1.514901471 0.742739304 9
10 10.30539606 3.411803618 1.688791416 0.827943487 10
11 11.3740987 3.765534481 1.863821766 0.913695877 11
Anul h= Anul h=
1 12.44992602 4.121608 2.04 1 1
2 25.93318976 8.58296905 4.246464 2.08 2
3 40.53555774 13.41208973 6.632975462 3.2464 3
4 56.34991507 18.63928525 9.21422626 4.506112 4
5 73.47685625 24.2973698 12.00610712 5.86660096 5
6 92.0253251 30.42186247 15.02580546 7.335929037 6
7 112.1133077 37.05121031 18.29191119 8.92280336 7
8 133.868583 44.22702961 21.82453114 10.63662763 8
9 157.4295354 51.99436719 25.64541288 12.48755784 9
10 182.9460352 60.40198318 29.77807858 14.48656247 10
11 210.5803919 69.50265712 34.24796979 16.64548746 11
12 240.5083866 79.35351927 39.08260412 18.97712646 12
13 272.9203901 90.01640927 44.31174462 21.49529658 13
14 308.0225739 101.5582643 49.96758298 24.2149203 14
15 346.0382216 114.0515394 56.08493775 27.15211393 15
16 387.2091494 127.5746622 62.70146867 30.32428304 16
17 431.7972438 142.2125251 69.85790851 33.75022569 17
18 480.0861281 158.0570188 77.59831385 37.45024374 18
19 532.382966 175.2076082 85.97033626 41.44626324 19
20 589.0204156 193.7719578 95.0255157 45.7619643 20
21 650.3587456 213.8666068 104.8195978 50.42292144 21
22 716.7881268 235.6177012 115.412877 55.45675516 22
23 788.7311138 259.1617852 126.8705677 60.89329557 23
24 866.6453333 284.646659 139.263206 66.76475922 24
25 951.0263946 312.2323059 152.6670837 73.10593995 25
26 1042.411042 342.0918973 167.1647177 79.95441515 26
27 1141.380571 374.4128793 182.8453586 87.35076836 27
28 1248.564521 409.3981497 199.8055399 95.33882983 28
29 1364.644687 447.2673315 218.149672 103.9659362 29
30 1490.359449 488.2581517 237.9906852 113.2832111 30

ra
0 1 0 0 0 0
1 1 0.330864122 0.163624956 0.08008137 1
2 2.0075 0.664191343 0.328454703 0.160739913 2
3 3.02255625 1 0.494498111 0.241979787 3
4 4.045225422 1.338308565 0.661764118 0.323805184 4
5 5.075564613 1.679135649 0.830261725 0.406220323 5
6 6.113631347 2.0225 1 1.044030651 6
7 7.159483582 2.368420508 1.170988079 0.572836859 7
8 8.213179709 2.716916201 1.343235165 0.65704685 8
9 9.274778557 3.06800625 1.516750526 0.741863769 9
10 10.3443394 3.421709969 1.691543503 0.827291991 10
11 11.42192194 3.778046815 1.867623502 0.913335923 11
Anul h= Anul h=
1 12.50758636 4.137036391 2.045 1 1
2 26.18847059 8.659161858 4.278191125 2.09 2
3 41.15271612 13.60222177 6.716891663 3.2781 3
4 57.52071111 19.00539811 9.380013619 4.573129 4
5 75.42413693 24.91152003 12.28820937 5.98471061 5
6 95.00702758 31.36740338 15.46403184 7.523334565 6
7 116.4269284 38.42422178 18.93210937 9.200434676 7
8 139.8561638 46.13791226 22.71933673 11.0284738 8
9 165.483223 54.56961864 26.8550837 13.02103644 9
10 193.5142771 63.78617624 31.37142277 15.19292972 10
11 224.1748374 73.86064161 36.30337795 17.56029339 11
12 257.7115698 84.87287165 41.68919631 20.1407198 12
13 294.394279 96.91015661 47.5706446 22.95338458 13
14 334.5180794 110.067912 53.99333317 26.01918919 14
15 378.405769 124.4504349 61.00706966 29.36091622 15
16 426.4104266 140.1717308 68.66624524 33.00339868 16
17 478.9182522 157.3564171 77.03025646 36.97370456 17
18 536.351674 176.1407111 86.16396581 41.30133797 18
19 599.172747 196.6735094 96.13820476 46.01845839 19
20 667.8868699 219.1175688 107.0303231 51.16011964 20
21 743.0468515 243.6507957 118.9247885 56.76453041 21
22 825.2573579 270.4676567 131.9138422 62.87333815 22
23 915.1797768 299.7807202 146.0982135 69.53193858 23
24 1013.537539 331.822341 161.5879016 76.78981305 24
25 1121.121937 366.8465021 178.5030283 84.70089623 25
26 1238.798495 405.1308284 196.9747695 93.32397689 26
27 1367.513924 446.9787869 217.1463726 102.7231348 27
28 1508.30375 492.7220922 239.1742676 112.9682169 28
29 1662.300631 542.7233361 263.2292795 124.1353565 29
30 1830.743483 597.3788618 289.497954 136.3075385 30

ra
0 1 0 0 0 0
1 1 0.327927136 0.160118678 0.076547352 1
2 2.016666667 0.661231083 0.322801155 0.154266604 2
3 3.050277778 1 0.488088482 0.233175697 3
4 4.101115741 1.344323493 0.656022368 0.313292846 4
5 5.16946767 1.694292637 0.826645189 0.394636546 5
6 6.255625464 2.05 1 1.095445115 6
7 7.359885889 2.411539668 1.176130546 0.561078998 7
8 8.482550653 2.779007269 1.35508127 0.646216173 8
9 9.623926498 3.1525 1.53689733 0.732656753 9
10 10.78432527 3.532116651 1.721624604 0.820420693 10
11 11.96406403 3.917957632 1.909309708 0.909528252 11
Anul h= Anul h=
1 13.16346509 4.310125 2.1 1 1
2 29.21487708 9.549108876 4.641 2.2 2
3 48.78782575 15.91712652 7.71561 3.64 3
4 72.65490486 23.65749177 11.4358881 5.368 4
5 101.7582084 33.0659541 15.9374246 7.4416 5
6 137.2465172 44.50199887 21.38428377 9.92992 6
7 180.5206446 58.40258277 27.97498336 12.915904 7
8 233.2887297 75.29882937 35.94972986 16.4990848 8
9 297.6336623 95.83632272 45.59917313 20.79890176 9
10 376.0952995 120.7997742 57.27499949 25.95868211 10
11 471.7707204 151.1430056 71.40274939 32.15041853 11
12 588.4364757 188.0253929 88.49732676 39.58050224 12
13 730.6976576 232.8561653 109.1817654 48.49660269 13
14 904.1696745 287.3482492 134.2099361 59.19592323 14
15 1115.699905 353.5837179 164.4940227 72.03510787 15
16 1373.637983 434.093344 201.1377675 87.44212945 16
17 1688.165376 531.9532977 245.4766986 105.9305553 17
18 2071.697274 650.9026831 299.1268053 128.1166664 18
19 2539.372652 795.4864044 364.0434344 154.7399997 19
20 3109.651838 971.2288213 442.5925557 186.6879996 20
21 3805.045193 1184.844828 537.6369924 225.0255995 21
22 4653.001652 1444.496418 652.6407608 271.0307195 22
23 5686.992197 1760.104549 791.7953205 326.2368633 23
24 6947.83105 2143.728205 960.1723378 392.484236 24
25 8485.286707 2610.025157 1163.908529 471.9810832 25
26 10360.04643 3176.812016 1410.42932 567.3772999 26
27 12646.11172 3865.744985 1708.719477 681.8527598 27
28 15433.71935 4703.147316 2069.650567 819.2233118 28
29 18832.90325 5721.015082 2506.377186 984.0679742 29
30 22977.83779 6958.239713 3034.816395 1181.881569 30

ra
0 1 0 0 0 0
1 1 0.327664404 0.159810667 0.076246989 1
2 2.0175 0.660965417 0.322302975 0.153714836 2
3 3.05280625 1 0.487521925 0.232423087 3
4 4.106230359 1.344866786 0.655513268 0.312391604 4
5 5.178089391 1.695666101 0.826323525 0.393640566 5
6 6.268705955 2.0525 1 1.1 6
7 7.378408309 2.415472292 1.176590787 0.560062165 7
8 8.507530455 2.784688571 1.356144788 0.645276795 8
9 9.656412238 3.16025625 1.538711727 0.731855871 9
10 10.82539945 3.542284587 1.724342161 0.81982124 10
11 12.01484394 3.930884721 1.913087496 0.909195099 11
Anul h= Anul h=
1 13.22510371 4.326169703 2.105 1 1
2 29.51101637 9.634915982 4.675257625 2.21 2
3 49.56612949 16.14940547 7.813606442 3.6741 3
4 74.26278425 24.14349128 11.64560881 5.445661 4
5 104.6752159 33.95322511 16.32457949 7.58924981 5
6 142.1262798 45.99098403 22.03771967 10.18299227 6
7 188.2449924 60.76280583 29.01360666 13.32142065 7
8 245.0373882 78.88966154 37.53133908 17.11891898 8
9 314.9737772 101.1335596 47.9317033 21.71389197 9
10 401.0961961 128.4295787 60.63080802 27.27380928 10
11 507.1507286 161.9251764 76.13673236 34.00130923 11
12 637.7504496 203.0284252 95.06985363 42.14158417 12
13 798.5760804 253.4672046 118.187668 51.99131685 13
14 996.6230851 315.3618367 146.4150974 63.90949338 14
15 1240.505953 391.3142196 180.8814942 78.33048699 15
16 1540.832905 484.5172047 222.9658265 95.77988926 16
17 1910.66732 598.8888161 274.3518483 116.893666 17
18 2366.095959 739.236955 337.0954656 142.4413359 18
19 2926.928691 911.461512 413.7069909 173.3540164 19
20 3617.560166 1122.802384 507.2515785 210.7583598 20
21 4468.030916 1382.14382 621.4718587 256.0176154 21
22 5515.334034 1700.387898 760.9376762 310.7813147 22
23 6805.024269 2090.912814 931.2289261 377.0453907 23
24 8393.199527 2570.135276 1139.1588 457.2249228 24
25 10348.94098 3158.200618 1393.046373 554.2421566 25
26 12757.31789 3879.829659 1703.049448 671.6330094 26
27 15723.08791 4765.357908 2081.570952 813.6759414 27
28 19375.25371 5852.010796 2543.755172 985.5478891 28
29 23872.67426 7185.468535 3108.093659 1193.512946 29
30 29410.97474 8821.78641 3797.165059 1445.150664 30

ra
0 1 0 0 0 0
1 1 0.327402369 0.159504371 0.075949836 1
2 2.018333333 0.660700315 0.321807322 0.153168715 2
3 3.055336111 1 0.486957957 0.231677841 3
4 4.111350606 1.345409499 0.655006239 0.311498773 4
5 5.186725368 1.697038832 0.826003009 0.392653431 5
6 6.281815333 2.055 1 1.104536102 6
7 7.396981947 2.419407021 1.177049851 0.559053434 7
8 8.532593283 2.790375968 1.357206128 0.644344474 8
9 9.68902416 3.168025 1.540523332 0.731060638 9
10 10.86665627 3.552474408 1.727056926 0.81922574 10
11 12.0658783 3.943846646 1.91686334 0.908863989 11
Anul h= Anul h=
1 13.28708607 4.342266375 2.11 1 1
2 29.81086084 9.721573 4.709731 2.22 2
3 50.35977059 16.38559065 7.912859565 3.7084 3
4 75.91432444 24.64113999 11.85943427 5.524248 4
5 107.6938802 34.86831801 16.72200896 7.73958256 5
6 147.2148269 47.53799825 22.71318724 10.44229072 6
7 196.362941 63.23351045 30.094918 13.73959468 7
8 257.4833676 82.67749787 39.18994847 17.76230551 8
9 333.4925209 106.7651888 50.39593551 22.67001273 9
10 428.0172438 136.6056141 64.20283215 28.65741552 10
11 545.5678657 173.5726685 81.21430949 35.96204694 11
12 691.7534169 219.3683668 102.1741507 44.87369727 12
13 873.5492682 276.1012067 127.9987711 55.74591067 13
14 1099.629967 346.3832473 159.8172859 69.01001101 14
15 1380.78315 433.4503717 199.0208779 85.19221343 15
16 1730.424286 541.3112717 247.3236237 104.9345004 16
17 2165.236806 674.9320134 306.8374368 129.0200905 17
18 2705.968169 840.4646821 380.1644058 158.4045104 18
19 3378.419841 1045.530633 470.5105644 194.2535027 19
20 4214.678439 1299.571387 581.8260664 237.9892733 20
21 5254.64677 1614.283336 718.9778964 291.3469134 21
22 6547.947827 2004.156256 887.9626662 356.4432343 22
23 8156.292597 2487.14044 1096.168801 435.8607459 23
24 10156.42465 3085.473153 1352.69958 532.7501099 24
25 12643.78202 3826.702467 1668.771152 650.9551341 25
26 15737.05114 4744.955613 2058.202937 795.1652636 26
27 19583.83003 5882.510246 2538.021838 971.1016216 27
28 24367.6711 7291.740966 3129.206707 1185.743978 28
29 30316.83948 9037.530721 3857.605583 1447.607654 29
30 37715.20491 11200.2581 4755.065839 1767.081337 30

ra
0 1 0 0 0 0
1 1 0.327141026 0.159199774 0.075655834 1
2 2.019166667 0.660435775 0.321314172 0.152628143 2
3 3.057867361 1 0.486396557 0.230939835 3
4 4.116476486 1.345951635 0.654501266 0.310614216 4
5 5.195375618 1.698410832 0.825683632 0.391674999 5
6 6.294953651 2.0575 1 1.109053651 6
7 7.415606929 2.423343854 1.177507747 0.558052686 7
8 8.557739395 2.796069454 1.358265302 0.643419106 8
9 9.721762734 3.17580625 1.542332161 0.730270974 9
10 10.90809652 3.562686126 1.729768912 0.818634137 10
11 12.11716837 3.956843448 1.92063725 0.908534894 11
Anul h= Anul h=
1 13.3494141 4.358415109 2.115 1 1
2 30.11445961 9.809087699 4.744420875 2.23 2
3 51.16907288 16.62574718 8.013382642 3.7429 3
4 77.61079888 25.15072198 12.07743764 5.603767 4
5 110.8180046 35.81213108 17.1299724 7.89263341 5
6 152.5217311 49.14538385 23.41140994 10.70793909 6
7 204.8959304 65.82006801 31.22065013 14.17076509 7
8 270.6707898 86.6735759 40.92929275 18.43004106 8
9 353.2750526 112.7531578 52.99931998 23.6689505 9
10 457.0147536 145.3685143 68.00507958 30.11280911 10
11 587.2976855 186.1575683 86.66061507 38.03875521 11
12 750.9152997 237.168721 109.8536432 47.78766891 12
13 956.3967334 300.963721 138.6877955 59.77883276 13
14 1214.453422 380.7463138 174.5351346 74.52796429 14
15 1538.537467 480.5231319 219.1014427 92.66939608 15
16 1945.542878 605.3049055 274.5073911 114.9833572 16
17 2456.686228 761.3580983 343.3894513 142.4295293 17
18 3098.612642 956.5196051 429.0253506 176.1883211 18
19 3904.784769 1200.590316 535.4900415 217.7116349 19
20 4917.227136 1505.827313 667.8496068 268.7853109 20
21 6188.716824 1887.559407 832.4023275 331.6059325 21
22 7785.534657 2364.95695 1036.978384 408.8752969 22
23 9790.920321 2961.994551 1291.312451 503.9166152 23
24 12309.41152 3708.65507 1607.506922 620.8174367 24
25 15472.29338 4642.435337 2000.607793 764.6054472 25
26 19444.44211 5810.22922 2489.320623 941.4647 26
27 24432.91979 7270.682608 3096.900632 1159.001581 27
28 30697.76818 9097.138567 3852.259288 1426.571945 28
29 38565.56429 11381.32059 4791.340053 1755.683492 29
30 48446.44439 14237.93888 5958.828738 2160.490695 30

ra
0 1 0 0 0 0
1 1 0.326880374 0.158896859 0.075364927 1
2 2.02 0.660171794 0.320823503 0.152093023 2
3 3.0604 1 0.485837704 0.230208945 3
4 4.121608 1.346493196 0.653998333 0.309737796 4
5 5.20404016 1.699782102 0.825365385 0.390705131 5
6 6.308120963 2.06 1 1.113552873 6
7 7.434283382 2.427282788 1.177964482 0.5570598 7
8 8.58296905 2.801769028 1.359322323 0.642500592 8
9 9.754628431 3.1836 1.544138228 0.729486802 9
10 10.949721 3.572919755 1.732478132 0.818046381 10
11 12.16871542 3.96987517 1.924409231 0.90820779 11
Anul h= Anul h=
1 13.41208973 4.374616 2.12 1 1
2 30.42186247 9.897467909 4.779328 2.24 2
3 51.99436719 16.8699412 8.115189043 3.7776 3
4 79.35351927 25.67252808 12.29969314 5.684224 4
5 114.0515394 36.7855912 17.54873507 8.04843776 5
6 158.0570188 50.81557735 24.13313327 10.98006282 6
7 213.8666068 68.52811162 32.39260238 14.6152779 7
8 284.646659 90.88977803 42.75328042 19.1229446 8
9 374.4128793 119.1208667 55.74971496 24.7124513 9
10 488.2581517 154.7619656 72.05244244 31.64343961 10
11 632.6414843 199.7580319 92.5025838 40.23786512 11
12 815.754461 256.5645288 118.1552411 50.89495274 12
13 1047.985991 328.2814224 150.3339345 64.1097414 13
14 1342.511724 418.8223482 190.6988874 80.49607934 14
15 1716.041568 533.1281809 241.3326843 100.8151384 15
16 2189.767727 677.4366611 304.8477192 126.0107716 16
17 2790.567042 859.6227925 384.520979 157.2533568 17
18 3552.525843 1089.628586 484.4631161 195.9941624 18
19 4518.87384 1380.005601 609.8305328 244.0327614 19
20 5744.436758 1746.599891 767.0914203 303.6006241 20
21 7298.746872 2209.416737 964.3594777 377.4647739 21
22 9269.987921 2793.712342 1211.812529 469.0563196 22
23 11769.99821 3531.37208 1522.217636 582.6298363 23
24 14940.61574 4462.650505 1911.589803 723.4609971 24
25 18961.7254 5638.368059 2400.018249 898.0916364 25
26 24061.46474 7122.684382 3012.702891 1114.633629 26
27 30529.16732 8996.599542 3781.254506 1383.1457 27
28 38731.77803 11362.37426 4745.325653 1716.100668 28
29 49134.67177 14349.11032 5954.656499 2128.964828 29
30 62328.05639 18119.7958 7471.641112 2640.916387 30

ra
0 1 0 0 0 0
1 1 0.326620408 0.158595611 0.07507706 1
2 2.020833333 0.659908371 0.320335292 0.151563262 2
3 3.062934028 1 0.485281374 0.229485054 3
4 4.126745153 1.347034183 0.653497422 0.30886938 4
5 5.212719011 1.701152644 0.82504826 0.389743692 5
6 6.321317323 2.0625 1 1.118033989 6
7 7.453011434 2.43122382 1.178420062 0.55607466 7
8 8.608282506 2.807474684 1.360377204 0.641588834 8
9 9.787621725 3.19140625 1.545941546 0.728708045 9
10 10.99153051 3.583175308 1.7351846 0.81746242 10
11 12.22052073 3.982941852 1.928179293 0.907882649 11
Anul h= Anul h=
1 13.47511491 4.390869141 2.125 1 1
2 30.73311986 9.986721519 4.814453125 2.25 2
3 52.83599148 17.11823987 8.218292236 3.8125 3
4 81.14383673 26.20685596 12.52627611 5.765625 4
5 117.3985876 37.78965479 17.9785682 8.20703125 5
6 163.8311912 52.55111325 24.87912538 11.25878906 6
7 223.2988921 71.36354873 33.61264306 15.07348633 7
8 299.4610535 95.33866812 44.66600138 19.84185791 8
9 397.0043373 125.8932632 58.65540799 25.80232239 9
10 521.9310994 164.8329352 76.36075074 33.25290298 10
11 681.9287464 214.4587948 98.76907515 42.56612873 11
12 886.8427825 277.7034455 127.1296107 54.20766091 12
13 1149.282656 358.3042827 163.0234136 68.75957614 13
14 1485.397684 461.0243529 208.4515078 86.94947018 14
15 1915.870809 591.9338224 265.9464396 109.6868377 15
16 2467.191327 758.7686886 338.7134626 138.1085472 16
17 3173.284913 971.387934 430.8092261 173.6356839 17
18 4077.601254 1242.356135 547.3679268 218.0446049 18
19 5235.787733 1587.685954 694.8875324 273.5557562 19
20 6719.113709 2027.784403 881.5920332 342.9446952 20
21 8618.856102 2588.658769 1117.889917 429.680869 21
22 11051.91614 3303.453507 1416.954426 538.1010862 22
23 14168.01292 4214.40888 1795.457946 673.6263578 23
24 18158.89642 5375.357118 2274.501462 843.0329473 24
25 23270.14686 6854.903593 2880.790913 1054.791184 25
26 29816.28662 8740.481002 3648.126 1319.48898 26
27 38200.13441 11143.51614 4619.284468 1650.361225 27
28 48937.59288 14206.01458 5848.406905 2063.951531 28
29 62689.39482 18108.95239 7404.01499 2580.939414 29
30 80301.76158 23082.97077 9372.831471 3227.174268 30

ra
0 1 0 0 0 0
1 1 0.326361125 0.158296013 0.074792181 1
2 2.021666667 0.659645503 0.319849518 0.151038768 2
3 3.065469444 1 0.484727548 0.228768043 3
4 4.131887949 1.347574598 0.652998518 0.308008839 4
5 5.221412188 1.702522461 0.824732249 0.38879055 5
6 6.334542785 2.065 1 1.122497216 6
7 7.471791212 2.435166947 1.178874495 0.555097153 7
8 8.633680022 2.813186421 1.361429955 0.640683735 8
9 9.820743089 3.199225 1.54774213 0.72793463 9
10 11.03352586 3.593452799 1.737888326 0.816882203 10
11 12.27258558 3.996043538 1.931947442 0.907559448 11
Anul h= Anul h=
1 13.5384916 4.407174625 2.13 1 1
2 31.0482829 10.07685648 4.849797 2.26 2
3 53.69429104 17.37071141 8.322705789 3.8476 3
4 82.983143 26.75401034 12.75726302 5.847976 4
5 120.8634106 38.82530867 18.41974915 8.36844976 5
6 169.8552481 54.35462778 25.65017769 11.5442467 6
7 233.2180564 74.33257427 34.8827119 15.54575084 7
8 315.1673298 100.0335302 46.67173482 20.58764606 8
9 421.1551101 133.0969451 61.72513819 26.94043403 9
10 558.2327084 175.6319159 80.94682896 34.94494688 10
11 735.5198247 230.3517245 105.4910059 45.03063307 11
12 964.8112774 300.746917 136.8314654 57.73859767 12
13 1261.361706 391.3079635 176.8500982 73.75063306 13
14 1644.900452 507.8117023 227.9498904 93.92579766 14
15 2140.944148 657.6898421 293.1992151 119.346505 15
16 2782.494318 850.5030257 376.5160777 151.3765964 16
17 3612.232955 1098.550698 482.9033796 191.7345114 17
18 4685.362134 1417.655682 618.7493254 242.5854844 18
19 6073.27657 1828.173507 792.2110137 306.6577103 19
20 7868.313478 2356.290874 1013.704243 387.388715 20
21 10189.89572 3035.696097 1296.528948 489.1097809 21
22 13192.47692 3909.728054 1657.667814 617.2783239 22
23 17075.81724 5034.140756 2118.806032 778.7706882 23
24 22098.27324 6480.659861 2707.633422 982.2510671 24
25 28593.98628 8341.558016 3459.507117 1238.636345 25
26 36995.11271 10735.54087 4419.574637 1561.681794 26
27 47860.57503 13815.31926 5645.484854 1968.719061 27
28 61913.2467 17777.35053 7210.84961 2481.586016 28
29 80088.04456 22874.37044 9209.663867 3127.798381 29
30 103594.1283 29431.51503 11761.94979 3942.025959 30

ra
0 1 0 0 0 0
1 1 0.326102522 0.157998051 0.074510235 1
2 2.0225 0.659383187 0.319366158 0.15051945 2
3 3.06800625 1 0.484176205 0.228057799 3
4 4.137036391 1.348114443 0.652501606 0.307156048 4
5 5.230119709 1.703891553 0.824417344 0.387845575 5
6 6.347797403 2.0675 1 1.126942767 6
7 7.490622844 2.439112168 1.179327787 0.554127167 7
8 8.659161858 2.818904232 1.362480589 0.639785201 8
9 9.853993 3.20705625 1.549539992 0.727166484 9
10 11.07570784 3.603752239 1.740589323 0.816305682 10
11 12.32491127 4.009180268 1.935713686 0.907238162 11
Anul h= Anul h=
1 13.60222177 4.423532547 2.135 1 1
2 31.36740338 10.16788081 4.885360375 2.27 2
3 54.56961864 17.62742509 8.428443369 3.8829 3
4 84.87287165 27.31430312 12.99273146 5.931283 4
5 124.4504349 39.89357101 18.87256148 8.53272941 5
6 176.1407111 56.22886297 26.44710552 11.83656635 6
7 243.6507957 77.44168439 36.20482251 16.03243927 7
8 331.822341 104.9884092 48.77495747 21.36119787 8
9 446.9787869 140.7602678 64.96811959 28.12872129 9
10 597.3788618 187.2131901 85.82855586 36.72347604 10
11 793.8088782 247.5364183 112.7014914 47.63881457 11
12 1050.356299 325.8714655 147.3198787 61.5012945 12
13 1385.420056 427.5964529 191.9161508 79.10664402 13
14 1823.030071 559.6953462 249.3661833 101.4654379 14
15 2394.570628 731.2374429 323.3747515 129.8611061 15
16 3141.031167 954.0000279 418.7144393 165.9236048 16
17 4115.945945 1243.276947 541.5334085 211.7229781 17
18 5389.233382 1618.928612 699.7518752 269.8881822 18
19 7052.210425 2106.745525 903.5728594 343.7579914 19
20 9224.141577 2740.218932 1166.140147 437.572649 20
21 12060.79223 3562.840179 1504.385891 556.7172643 21
22 15765.5998 4631.086628 1940.122514 708.0309256 22
23 20604.26368 6018.299124 2501.449326 900.1992756 23
24 26923.80059 7819.717245 3224.564557 1144.25308 24
25 35177.43171 10159.01801 4156.099677 1454.201412 25
26 45957.08655 13196.80695 5356.126506 1847.835793 26
27 60035.85465 17141.64457 6902.031069 2347.751457 27
28 78423.42958 22264.36513 8893.503973 2982.64435 28
29 102438.5216 28916.67087 11458.96916 3788.958324 29
30 133803.4324 37555.27825 14763.86554 4812.977072 30

ra
0 1 0 0 0 0
1 1 0.325844597 0.157701708 0.074231173 1
2 2.023333333 0.659121423 0.318885192 0.150005221 2
3 3.070544444 1 0.483627323 0.227354212 3
4 4.142190481 1.348653718 0.65200667 0.306310881 4
5 5.238841593 1.705259922 0.824103537 0.386908643 5
6 6.36108123 2.07 1 1.13137085 6
7 7.509506459 2.443059479 1.179779947 0.553164592 7
8 8.684728276 2.824628117 1.363529118 0.638893141 8
9 9.887371936 3.2149 1.551335148 0.726403535 9
10 11.11807728 3.614073642 1.743287604 0.815732808 10
11 12.37749908 4.022352085 1.939478032 0.906918766 11
Anul h= Anul h=
1 13.6663074 4.439943 2.14 1 1
2 31.69053381 10.25980257 4.921144 2.28 2
3 55.46233466 17.88845127 8.535518742 3.9184 3
4 86.81449939 27.88805355 13.23276016 6.015552 4
5 128.1642583 40.99549232 19.3372951 8.69990656 5
6 182.6996492 58.17667076 27.27074871 12.1358804 6
7 254.6253131 80.69769091 37.58106503 16.53392691 7
8 349.4866692 110.2181543 50.98035211 22.16342644 8
9 474.5974625 148.9134598 68.3940656 29.36918585 9
10 639.6036488 199.635112 91.02492766 38.59255788 10
11 857.2270913 266.1208513 120.435996 50.39847409 11
12 1144.246407 353.270093 158.6586204 65.51004684 12
13 1522.790588 467.5049714 208.332743 84.85285995 13
14 2022.045128 617.2435941 272.8892329 109.6116607 14
15 2680.502209 813.5203834 356.786847 141.3029257 15
16 3548.928417 1070.799216 465.8201864 181.8677449 16
17 4694.278814 1408.039282 607.5199142 233.7907135 17
18 6204.859124 1850.092216 791.6728805 300.2521133 18
19 8197.134048 2429.533438 1030.998076 385.3227051 19
20 10824.70661 3189.06268 1342.025099 494.2130625 20
21 14290.16083 4184.650579 1746.235819 633.59272 21
22 18860.68086 5489.663225 2271.54807 811.9986815 22
23 24888.65062 7200.268595 2954.243872 1040.358312 23
24 32838.82243 9442.523288 3841.475336 1332.65864 24
25 43324.14905 12381.66179 4994.521346 1706.803059 25
26 57153.04192 16234.27282 6493.019941 2185.707916 26
27 75391.69915 21284.25998 8440.468716 2798.706132 27
28 99446.30862 27903.763 10971.37314 3583.343849 28
29 131171.4641 36580.58115 14260.53654 4587.680126 29
30 173013.1533 47954.11976 18535.13328 5873.230562 30

ra
0 1 0 0 0 0
1 1 0.325587345 0.15740697 0.073954945 1
2 2.024166667 0.658860206 0.318406597 0.149495997 2
3 3.073084028 1 0.483080882 0.226657172 3
4 4.147350225 1.349192427 0.651513695 0.305473219 4
5 5.247577856 1.706627571 0.82379082 0.385979628 5
6 6.37439432 2.0725 1 1.135781669 6
7 7.528442183 2.447008878 1.18023098 0.552209323 7
8 8.710379536 2.830358069 1.364575554 0.638007465 8
9 9.920880375 3.22275625 1.55312761 0.725645714 9
10 11.16063498 3.624417022 1.745983181 0.815163535 10
11 12.43035033 4.03555903 1.943240489 0.906601238 11
Anul h= Anul h=
1 13.73075046 4.456406078 2.145 1 1
2 32.01772737 10.3526299 4.957148625 2.29 2
3 56.37280727 18.15386139 8.643945776 3.9541 3
4 88.80954735 28.47558839 13.47742901 6.100789 4
5 132.0096564 42.13215639 19.81424637 8.87001781 5
6 189.544705 60.20101731 28.12197235 12.44232297 6
7 266.1714058 84.10773639 39.0136088 17.05059664 7
8 368.2248741 115.738464 53.29281647 22.99526966 8
9 504.1423845 157.5887456 72.01321471 30.66389786 9
10 685.1609226 212.9604114 96.55612482 40.55642825 10
11 926.246203 286.2220777 128.7324935 53.31779244 11
12 1247.329961 383.1538148 170.9165173 69.77995224 12
13 1674.957809 511.4031725 226.2208272 91.01613839 13
14 2244.483895 681.0885436 298.7261599 118.4108185 14
15 3002.993813 905.5974663 393.7824638 153.7499559 15
16 4013.197398 1202.642851 518.4036546 199.3374431 16
17 5358.613272 1595.660463 681.7851513 258.1453016 17
18 7150.473746 2115.657916 895.982378 334.0074391 18
19 9536.920955 2803.661055 1176.800297 431.8695964 19
20 12715.25452 3713.950743 1544.959609 558.1117794 20
21 16948.24328 4918.345417 2027.625672 720.9641954 21
22 22585.84976 6511.867293 2660.412947 931.0438121 22
23 30094.1633 8620.239261 3490.012883 1202.046518 23
24 40093.93401 11409.80395 4577.63914 1551.640008 24
25 53411.89334 15100.64753 6003.544354 2002.61561 25
26 71149.10408 19983.9637 7872.941737 2584.374137 26
27 94771.99085 26445.02776 10323.76844 3334.842636 27
28 126233.5767 34993.59339 13536.86352 4302.947001 28
29 168134.9496 46304.11032 17749.3115 5551.801631 29
30 223940.307 61268.93582 23271.9361 7162.824104 30

ra
0 1 0 0 0 0
1 1 0.325330763 0.157113821 0.073681502 1
2 2.025 0.658599535 0.317930354 0.148991693 2
3 3.075625 1 0.482536863 0.225966575 3
4 4.152515625 1.349730571 0.651022666 0.304642944 4
5 5.256328516 1.7079945 0.823479185 0.38505841 5
6 6.387736729 2.075 1 1.140175425 6
7 7.547430147 2.450960364 1.180680894 0.551261255 7
8 8.7361159 2.836094087 1.365619908 0.637128084 8
9 9.954518798 3.230625 1.554917393 0.724892952 9
10 11.20338177 3.634782391 1.748676065 0.814597815 10
11 12.48346631 4.048801144 1.947001063 0.906285554 11
Anul h= Anul h=
1 13.79555297 4.472921875 2.15 1 1
2 32.34903798 10.44637101 4.993375 2.3 2
3 57.30141263 18.42372799 8.753738437 3.99 3
4 90.85958243 29.07724206 13.72681908 6.187 4
5 135.99159 43.30468134 20.30371824 9.0431 5
6 196.6891225 62.30498744 29.00166737 12.75603 6
7 278.3205557 87.67930991 40.5047051 17.582839 7
8 388.1057578 121.5659345 55.71747249 23.8576907 8
9 535.7546493 166.820476 75.83635737 32.01499791 9
10 734.3259934 227.2565196 102.4435826 42.61949728 10
11 1001.382375 307.9669908 137.631638 56.40534647 11
12 1360.543518 415.7533344 184.1678413 74.32695041 12
13 1843.575325 559.6986701 245.7119701 97.62503553 13
14 2493.199404 751.9332239 327.1040804 127.9125462 14
15 3366.871568 1008.656538 434.7451464 167.28631 15
16 4541.863497 1351.502602 577.1004561 218.4722031 16
17 6122.097012 1809.36294 765.3653532 285.013864 17
18 8247.335405 2420.821293 1014.34568 371.5180232 18
19 11105.54477 3237.405054 1343.622161 483.9734301 19
20 14949.5186 4327.927467 1779.090308 630.1654592 20
21 20119.23605 5784.286496 2354.996933 820.2150969 21
22 27071.93126 7729.209038 3116.633443 1067.279626 22
23 36422.53336 10326.59307 4123.897729 1388.463514 23
24 48998.05362 13795.3193 5456.004746 1806.002568 24
25 65910.73027 18427.69613 7217.716277 2348.803338 25
26 88656.4001 24614.09244 9547.579777 3054.44434 26
27 119246.7972 32875.8338 12628.82425 3971.777642 27
28 160387.4805 43909.13443 16703.77008 5164.310934 28
29 215717.1256 58643.76695 22092.88593 6714.604214 29
30 290129.347 78321.41397 29219.99164 8729.985479 30

ra
0 1 0 0 0 0
1 1 0.330593504 0.163296921 0.079741404 1
2 2.008333333 0.66391931 0.327927136 0.160118678 2
3 3.025069444 1 0.493901532 0.241136891 3
4 4.050278356 1.338858342 0.661231083 0.322801155 4
5 5.084030676 1.680517293 0.829926854 0.405116621 5
6 6.126397598 2.025 1 1.048808848 6
7 7.177450912 2.372329801 1.171461767 0.571721972 7
8 8.237263003 2.722530225 1.344323493 0.656022368 8
9 9.305906861 3.075625 1.518596609 0.740994986 9
10 10.38345608 3.431638046 1.694292637 0.826645189 10
11 11.46998489 3.790593481 1.871423197 0.912978378 11
Anul h= Anul h=
1 12.56556809 4.152515625 2.05 1 1
2 26.44691537 8.7361159 4.310125 2.1 2
3 41.78182109 13.79555297 6.801912813 3.31 3
4 58.72249183 19.38022483 9.549108876 4.641 4
5 77.43707217 25.54465761 12.57789254 6.1051 5
6 98.11131363 32.34903798 15.91712652 7.71561 6
7 120.9504183 39.85980075 19.59863199 9.487171 7
8 146.1810757 48.15027751 23.65749177 11.4358881 8
9 174.0537127 57.30141263 28.13238467 13.57947691 9
10 204.8449789 67.40255354 33.0659541 15.9374246 10
11 238.8604931 78.55232308 38.5052144 18.53116706 11
12 276.4378761 90.85958243 44.50199887 21.38428377 12
13 317.9501022 104.4444939 51.11345376 24.52271214 13
14 363.8092007 119.4396944 58.40258277 27.97498336 14
15 414.4703462 135.99159 66.4388475 31.77248169 15
16 470.4363756 154.2617856 75.29882937 35.94972986 16
17 532.2627796 174.4286631 85.06695938 40.54470285 17
18 600.5632161 196.6891225 95.83632272 45.59917313 18
19 676.0156007 221.2605045 107.7095458 51.15909045 19
20 759.368836 248.3827126 120.7997742 57.27499949 20
21 851.4502442 278.3205557 135.2317511 64.00249944 21
22 953.1737792 311.3663327 151.1430056 71.40274939 22
23 1065.549097 347.8426873 168.6851637 79.54302433 23
24 1189.69158 388.1057578 188.0253929 88.49732676 24
25 1326.833403 432.548654 209.3479957 98.34705943 25
26 1478.335767 481.6052958 232.8561653 109.1817654 26
27 1645.702407 535.7546493 258.7739222 121.0999419 27
28 1830.594523 595.5254037 287.3482492 134.2099361 28
29 2034.847258 661.501133 318.8514448 148.6309297 29
30 2260.487925 734.3259934 353.5837179 164.4940227 30

ra
0 1 0 0 0 0
1 1 0.330323621 0.162970799 0.079405398 1
2 2.009166667 0.663647868 0.327402369 0.159504371 2
3 3.027584028 1 0.493307804 0.240302975 3
4 4.055336881 1.339407521 0.660700315 0.321807322 4
5 5.092510803 1.681898185 0.82959323 0.404023577 5
6 6.139192152 2.0275 1 1.053565375 6
7 7.19546808 2.376241227 1.171934193 0.570616735 7
8 8.261426537 2.728150385 1.345409499 0.655006239 8
9 9.337156281 3.08325625 1.520439733 0.740132851 9
10 10.42274688 3.441587861 1.697038832 0.826003009 10
11 11.51828873 3.803174521 1.875220858 0.912623209 11
Anul h= Anul h=
1 12.62387304 4.168045797 2.055 1 1
2 26.70856598 8.813838252 4.342266375 2.11 2
3 42.42312319 13.99213729 6.888051032 3.3421 3
4 59.95615067 19.76397948 9.721573 4.709731 4
5 79.51807969 26.1973975 12.87535379 6.22780141 5
6 101.3436924 33.36822199 16.38559065 7.912859565 6
7 125.6949395 41.36097542 20.29257203 9.783274117 7
8 152.8640847 50.26986831 24.64113999 11.85943427 8
9 183.1772117 60.19990972 29.48120483 14.16397204 9
10 216.9981385 71.26814499 34.86831801 16.72200896 10
11 254.7327836 83.60503532 40.86430965 19.56142995 11
12 296.8340379 97.35599556 47.53799825 22.71318724 12
13 343.8072003 112.6831082 54.96598051 26.21163784 13
14 396.2160425 129.7670337 63.23351045 30.094918 14
15 454.6895748 148.8091404 72.43547797 34.40535898 15
16 519.9295963 170.0338773 82.67749787 39.18994847 16
17 592.7191171 193.6914202 94.07712207 44.50084281 17
18 673.9317566 220.0606205 106.7651888 50.39593551 18
19 764.5422282 249.4522918 120.8873242 56.93948842 19
20 865.6380381 282.2128735 136.6056141 64.20283215 20
21 978.4325375 318.7285142 154.1004636 72.26514368 21
22 1104.279485 359.4296237 173.5726685 81.21430949 22
23 1244.689295 404.7959457 195.2457194 91.14788353 23
24 1401.347165 455.3622126 219.3683668 102.1741507 24
25 1576.133301 511.7244487 246.2174764 114.4133073 25
26 1771.145485 574.5469952 276.1012067 127.9987711 26
27 1988.724252 644.5703412 309.3625456 143.0786359 27
28 2231.480981 722.6198513 346.3832473 159.8172859 28
29 2502.329236 809.6154945 387.5882139 178.3971873 29
30 2804.519736 906.582688 433.4503717 199.0208779 30

ra
0 1 0 0 0 0
1 1 0.330054468 0.16264657 0.079073274 1
2 2.01 0.663377015 0.326880374 0.158896859 2
3 3.0301 1 0.492716902 0.239477873 3
4 4.060401 1.339956102 0.660171794 0.320823503 4
5 5.10100501 1.683278326 0.829260844 0.402941005 5
6 6.15201506 2.03 1 1.058300524 6
7 7.213535211 2.380154785 1.172405364 0.569520991 7
8 8.285670563 2.733776675 1.346493196 0.653998333 8
9 9.368527268 3.0909 1.522279916 0.739277262 9
10 10.46221254 3.451559429 1.699782102 0.825365385 10
11 11.56683467 3.815789976 1.879016495 0.912270381 11
Anul h= Anul h=
1 12.68250301 4.183627 2.06 1 1
2 26.97346485 8.892336046 4.374616 2.12 2
3 43.07687836 14.19202956 6.975318538 3.3744 3
4 61.22260777 20.1568813 9.897467909 4.779328 4
5 81.66966986 26.87037449 13.18079494 6.35284736 5
6 104.7099312 34.42647022 16.8699412 8.115189043 6
7 130.6722744 42.93092252 21.01506593 10.08901173 7
8 159.9272926 52.50275852 25.67252808 12.29969314 8
9 192.8925793 63.27594427 30.90565255 14.77565631 9
10 230.0386895 75.40125973 36.7855912 17.54873507 10
11 271.8958562 89.04840911 43.39229028 20.65458328 11
12 319.0615594 104.408396 50.81557735 24.13313327 12
13 372.2090543 121.6961965 59.15638272 28.02910926 13
14 432.0969818 141.1537683 68.52811162 32.39260238 14
15 499.5801975 163.0534368 79.05818622 37.27971466 15
16 575.6219742 187.7017066 90.88977803 42.75328042 16
17 661.3077514 215.4435515 104.1837546 48.88367407 17
18 757.8606299 246.6672422 119.1208667 55.74971496 18
19 866.6588301 281.8097813 135.9042058 63.43968075 19
20 989.2553654 321.3630185 154.7619656 72.05244244 20
21 1127.40021 365.8805356 175.9505446 81.69873554 21
22 1283.065279 415.9853932 199.7580319 92.5025838 22
23 1458.472574 472.3788519 226.5081246 104.6028939 23
24 1656.125905 535.8501865 256.5645288 118.1552411 24
25 1878.846626 607.2877327 290.3359046 133.3338701 25
26 2129.813909 687.6913204 328.2814224 150.3339345 26
27 2412.610125 778.1862666 370.9170062 169.3740066 27
28 2731.27198 880.0391259 418.8223482 190.6988874 28
29 3090.348134 994.6754163 472.6487904 214.5827539 29
30 3494.964133 1123.699571 533.1281809 241.3326843 30

ra
0 1 0 0 0 0
1 1 0.329786043 0.162324215 0.078744957 1
2 2.010833333 0.663106748 0.326361125 0.158296013 2
3 3.032617361 1 0.4921288 0.238661421 3
4 4.065470716 1.340504089 0.659645503 0.319849518 4
5 5.109513315 1.684657717 0.828929686 0.401868724 5
6 6.164866376 2.0325 1 1.063014581 6
7 7.231652429 2.384070472 1.172875289 0.568434585 7
8 8.30999533 2.739409093 1.347574598 0.652998518 8
9 9.400020279 3.09855625 1.524117172 0.738428119 9
10 10.50185383 3.461552763 1.702522461 0.824732249 10
11 11.61562392 3.828439889 1.882810116 0.911919862 11
Anul h= Anul h=
1 12.74145984 4.199259328 2.065 1 1
2 27.241655 8.971616471 4.407174625 2.13 2
3 43.74334809 14.39528548 7.063727639 3.4069 3
4 62.52281082 20.55915476 10.07685648 4.849797 4
5 83.8944494 27.56424382 13.49442254 6.48027061 5
6 108.2160683 35.5253589 17.37071141 8.322705789 6
7 135.8948606 44.57297456 21.76729515 10.40465754 7
8 167.3942253 54.85537196 26.75401034 12.75726302 8
9 203.2415254 66.54106909 32.41006738 15.41570722 9
10 244.0369174 79.82158259 38.82530867 18.41974915 10
11 290.4633985 94.91456649 46.10163573 21.81431654 11
12 343.2982421 112.0673794 54.35462778 25.65017769 12
13 403.4260102 131.5611383 63.71537769 29.98470079 13
14 471.8533634 153.7153261 74.33257427 34.8827119 14
15 549.725914 178.8930272 86.37486405 40.41746444 15
16 638.3474059 207.5068785 100.0335302 46.67173482 16
17 739.2015423 240.0258317 115.5255308 53.73906035 17
18 853.9768255 276.9828392 133.0969451 61.72513819 18
19 984.5948258 318.9835886 153.0268826 70.74940616 19
20 1133.242353 366.7164292 175.6319159 80.94682896 20
21 1302.408067 420.9636536 201.2711098 92.46991672 21
22 1494.924144 482.6143182 230.3517245 105.4910059 22
23 1714.013694 552.6788146 263.3356848 120.2048367 23
24 1963.344717 632.3054281 300.746917 136.8314654 24
25 2247.09152 722.7991576 343.179672 155.6195559 25
26 2570.004599 825.6431029 391.3079635 176.8500982 26
27 2937.490172 942.522771 445.8962748 200.840611 27
28 3355.70069 1075.3537 507.8117023 227.9498904 28
29 3831.637843 1226.312854 578.0377281 258.5833762 29
30 4373.269783 1397.874298 657.6898421 293.1992151 30

ra
0 1 0 0 0 0
1 1 0.329518341 0.162003716 0.078420371 1
2 2.011666667 0.662837065 0.325844597 0.157701708 2
3 3.035136111 1 0.491543475 0.237853463 3
4 4.070546032 1.341051483 0.659121423 0.318885192 4
5 5.118035736 1.686036362 0.828599747 0.400806556 5
6 6.177746153 2.035 1 1.067707825 6
7 7.249819858 2.387988285 1.173343976 0.567357367 7
8 8.33440109 2.745047635 1.348653718 0.65200667 8
9 9.431635769 3.106225 1.525951519 0.737585326 9
10 10.54167152 3.471567875 1.705259922 0.824103537 10
11 11.66465769 3.841124302 1.886601729 0.911571619 11
Anul h= Anul h=
1 12.80074536 4.214942875 2.07 1 1
2 27.51318001 9.05168677 4.439943 2.14 2
3 44.4227995 14.60196164 7.153290741 3.4396 3
4 63.85773588 20.97102971 10.25980257 4.921144 4
5 86.1951251 28.27968181 13.81644796 6.61010416 5
6 111.8684254 36.66652821 17.88845127 8.535518742 6
7 141.3758284 46.29062734 22.55048786 10.73049137 7
8 175.2899268 57.33450247 27.88805355 13.23276016 8
9 214.2688255 70.00760318 33.99903251 16.08534658 9
10 259.0689121 84.55027775 40.99549232 19.3372951 10
11 310.5595345 101.2383313 49.00573916 23.04451641 11
12 369.7398709 120.3882566 58.17667076 27.27074871 12
13 437.7583189 142.3632363 68.67647036 32.08865353 13
14 515.9347799 167.580031 80.69769091 37.58106503 14
15 605.7862722 196.5168829 94.46078632 43.84241413 15
16 709.0563688 229.722586 110.2181543 50.98035211 16
17 827.749031 267.8268941 128.2587648 59.11760141 17
18 964.1674964 311.552464 148.9134598 68.3940656 18
19 1120.958972 361.7285612 172.5610202 78.96923479 19
20 1301.166005 419.3067868 199.635112 91.02492766 20
21 1508.285522 485.3791251 230.6322397 104.7684175 21
22 1746.336688 561.198653 266.1208513 120.435996 22
23 2019.938898 648.2033051 306.7517626 138.2970354 23
24 2334.401417 748.0431445 353.270093 158.6586204 24
25 2695.826407 862.6116567 406.5289295 181.8708272 25
26 3111.227338 994.0816595 467.5049714 208.332743 26
27 3588.665088 1144.946512 537.3164417 238.4993271 27
28 4137.404359 1318.067399 617.2435941 272.8892329 28
29 4768.093467 1516.7276 708.7521909 312.0937255 29
30 5492.970967 1744.69475 813.5203834 356.786847 30

ra
0 1 0 0 0 0
1 1 0.32925136 0.161685055 0.078099446 1
2 2.0125 0.662567962 0.325330763 0.157113821 2
3 3.03765625 1 0.490960902 0.237053842 3
4 4.075626953 1.341598286 0.658599535 0.317930354 4
5 5.12657229 1.687414261 0.828271017 0.399754328 5
6 6.190654444 2.0375 1 1.072380529 6
7 7.268037624 2.391908222 1.173811434 0.566289189 7
8 8.358888095 2.750692296 1.349730571 0.651022666 8
9 9.463374196 3.11390625 1.52778297 0.736748788 9
10 10.58166637 3.48160478 1.7079945 0.823479185 10
11 11.7139372 3.853843257 1.890391343 0.911225621 11
Anul h= Anul h=
1 12.86036142 4.230677734 2.075 1 1
2 27.78808403 9.132554247 4.472921875 2.15 2
3 45.1155055 14.8121155 7.244020342 3.4725 3
4 65.22838824 21.39274151 10.44637101 4.993375 4
5 88.57450776 29.01738656 14.1470875 6.74238125 5
6 115.6736215 37.85168472 18.42372799 8.753738437 6
7 147.1290401 48.08754794 23.36592066 11.0667992 7
8 183.6410594 59.94733512 29.07724206 13.72681908 8
9 226.0225508 73.68868245 35.67738785 16.78584195 9
10 275.2170583 89.61010024 43.30468134 20.30371824 10
11 332.3198052 108.0574576 52.11897237 24.34927597 11
12 398.6020766 129.4314958 62.30498744 29.00166737 12
13 475.5395227 154.1965341 74.07620112 34.35191748 13
14 564.8450107 182.8905559 87.67930991 40.5047051 14
15 668.5067594 216.1368963 103.3994025 47.58041086 15
16 788.8326025 254.6577823 121.5659345 55.71747249 16
17 928.5013685 299.2900229 142.5596331 65.07509336 17
18 1090.62252 351.0031869 166.820476 75.83635737 18
19 1278.805378 410.920666 194.8569126 88.21181097 19
20 1497.239481 480.3440779 227.2565196 102.4435826 20
21 1750.787854 560.781543 264.6983155 118.81012 21
22 2045.095272 653.9804452 307.9669908 137.631638 22
23 2386.713938 761.965392 357.9693537 159.2763837 23
24 2783.249347 887.0821955 415.7533344 184.1678413 24
25 3243.529615 1032.048832 482.5299471 212.7930175 25
26 3777.802015 1200.014485 559.6986701 245.7119701 26
27 4397.961118 1394.627959 648.8767756 283.5687656 27
28 5117.813598 1620.116941 751.9332239 327.1040804 28
29 5953.385616 1881.379844 871.0278318 377.1696925 29
30 6923.279611 2184.092215 1008.656538 434.7451464 30

ra
0 1 0 0 0 0
1 1 0.328985096 0.161368212 0.077782112 1
2 2.013333333 0.662299439 0.3248196 0.156532233 2
3 3.040177778 1 0.490381057 0.23626241 3
4 4.080713481 1.342144499 0.658079822 0.316984841 4
5 5.135122995 1.688791416 0.827943487 0.398711873 5
6 6.203591301 2.04 1 1.077032961 6
7 7.286305852 2.395830279 1.174277669 0.565229907 7
8 8.383456597 2.756343073 1.350805168 0.650046384 8
9 9.495236018 3.1216 1.529611541 0.735918412 9
10 10.62183916 3.49166349 1.710726208 0.822859131 10
11 11.76346369 3.866596796 1.894178966 0.910881838 11
Anul h= Anul h=
1 12.92030987 4.246464 2.08 1 1
2 28.06641183 9.21422626 4.506112 2.16 2
3 45.82174487 15.02580546 7.335929037 3.5056 3
4 66.63580331 21.82453114 10.63662763 5.066496 4
5 91.03551621 29.77807858 14.48656247 6.87713536 5
6 119.6385871 39.08260412 18.97712646 8.977477018 6
7 153.1691319 49.96758298 24.2149203 11.41387334 7
8 192.4760104 62.70146867 30.32428304 14.24009307 8
9 238.5543162 77.59831385 37.45024374 17.51850797 9
10 292.5705686 95.0255157 45.7619643 21.32146924 10
11 355.8922438 115.412877 55.45675516 25.73290432 11
12 430.1223946 139.263206 66.76475922 30.85016901 12
13 517.1402328 167.1647177 79.95441515 36.78619605 13
14 619.1487034 199.8055399 95.33882983 43.67198742 14
15 738.7302546 237.9906852 113.2832111 51.65950541 15
16 878.9122151 282.6619043 134.2135374 60.92502627 16
17 1043.243434 334.9209123 158.6266701 71.67303048 17
18 1235.884123 396.0565602 187.102148 84.14071536 18
19 1461.711177 467.5766212 220.3159454 98.60322981 19
20 1726.441638 551.2449767 259.0565187 115.3797466 20
21 2036.777427 649.1251187 304.2435234 134.840506 21
22 2400.575011 763.6310406 356.9496457 157.414987 22
23 2827.044294 897.5867736 418.4260668 183.6013849 23
24 3326.981781 1054.296034 490.1321643 213.9776065 24
25 3913.043898 1237.623705 573.7701564 249.2140235 25
26 4600.067404 1452.091149 671.3255104 290.0882673 26
27 5405.444997 1702.987724 785.1140754 337.5023901 27
28 6349.565632 1996.501231 917.8370575 392.5027725 28
29 7456.330682 2339.870519 1072.645144 456.3032161 29
30 8753.75903 2741.56402 1253.213296 530.3117307 30

ra
0 1 0 0 0 0
1 1 0.328719544 0.161053171 0.077468301 1
2 2.014166667 0.662031491 0.324311082 0.155956829 2
3 3.042700694 1 0.489803915 0.235479021 3
4 4.085805621 1.342690125 0.657562266 0.316048488 4
5 5.143687867 1.69016783 0.827617148 0.397679025 5
6 6.216556779 2.0425 1 1.081665383 6
7 7.304624666 2.399754455 1.17474269 0.564179383 7
8 8.408106849 2.761999963 1.351877524 0.649077707 8
9 9.527221696 3.12930625 1.531437248 0.735094109 9
10 10.66219067 3.50174402 1.713455059 0.822243313 10
11 11.81323837 3.879384961 1.897964606 0.910540238 11
Anul h= Anul h=
1 12.98059258 4.262301766 2.085 1 1
2 28.34820877 9.296710226 4.539514125 2.17 2
3 46.54180245 15.24309083 7.429029516 3.5389 3
4 68.08104752 22.26664534 10.83063927 5.140513 4
5 93.58118159 30.56250149 14.83509932 7.01440021 5
6 123.7705794 40.36113392 19.54924979 9.206848246 6
7 159.5115577 51.93476732 25.09886559 11.77201245 7
8 201.8250063 65.60493922 31.63201204 14.77325456 8
9 251.9195481 81.75143304 39.32299538 18.28470784 9
10 311.2260618 100.8228291 48.37701323 22.39310817 10
11 381.4385527 123.3489671 59.0356294 27.19993656 11
12 464.56254 149.9556659 71.58321882 32.82392578 12
13 562.9723409 181.3821104 86.35455478 39.40399316 13
14 679.4788902 218.501387 103.7437407 47.102672 14
15 817.4100303 262.3447398 124.2147252 56.11012623 15
16 980.705566 314.1302206 148.3136799 66.64884769 16
17 1174.0298 375.2965286 176.6835718 78.9791518 17
18 1402.904761 447.5429803 210.0813178 93.40560761 18
19 1673.867935 532.8767195 249.3979793 110.2845609 19
20 1994.658995 633.66848 295.6825362 130.0329363 20
21 2374.440878 752.7184488 350.1698737 153.1385354 21
22 2824.061507 893.3340604 414.3137296 180.1720864 22
23 3356.363651 1059.421884 489.8254803 211.8013411 23
24 3986.551756 1255.596156 578.7198011 248.8075691 24
25 4732.62624 1487.306971 683.3684178 292.1048559 25
26 5615.897651 1760.991695 806.5633857 342.7626814 26
27 6661.595368 2084.253813 951.5915817 402.0323372 27
28 7899.588246 2466.074159 1122.3224 471.3778345 28
29 9365.237774 2917.060432 1323.310987 552.5120664 29
30 11100.40813 3449.741886 1559.919777 647.4391177 30

ra
0 1 0 0 0 0
1 1 0.328454703 0.160739913 0.077157946 1
2 2.015 0.661764118 0.323805184 0.155387496 2
3 3.045225 1 0.489229454 0.23470353 3
4 4.090903375 1.343235165 0.65704685 0.31512114 4
5 5.152266926 1.691543503 0.827291991 0.396655625 5
6 6.22955093 2.045 1 1.086278049 6
7 7.322994193 2.403680747 1.175206505 0.563137479 7
8 8.432839106 2.767662961 1.352947651 0.648116521 8
9 9.559331693 3.137025 1.533260105 0.734275788 9
10 10.70272167 3.511846381 1.716181067 0.821631673 10
11 11.86326249 3.892207794 1.901748271 0.910200793 11
Anul h= Anul h=
1 13.04121143 4.278191125 2.09 1 1
2 28.6335208 9.380013619 4.573129 2.18 2
3 47.27596921 15.46403184 7.523334565 3.5724 3
4 69.56521929 22.71933673 11.0284738 5.215432 4
5 96.21465171 31.37142277 15.19292972 7.15420976 5
6 128.0771974 41.68919631 20.1407198 9.441967517 6
7 166.172636 53.99333317 26.01918919 12.14152167 7
8 211.7202346 68.66624524 33.00339868 15.32699557 8
9 266.1777712 86.16396581 41.30133797 19.08585477 9
10 331.2881915 107.0303231 51.16011964 23.52130863 10
11 409.1353932 131.9138422 62.87333815 28.75514419 11
12 502.2109221 161.5879016 76.78981305 34.93107014 12
13 613.4937158 196.9747695 93.32397689 42.21866276 13
14 746.5454461 239.1742676 112.9682169 50.81802206 14
15 905.6245126 289.497954 136.3075385 60.96526603 15
16 1095.822335 349.5098861 164.0369865 72.93901392 16
17 1323.226308 421.0752314 196.9823437 87.06803642 17
18 1595.11463 506.4182368 236.1247226 103.740283 18
19 1920.189249 608.1913582 282.6297829 123.4135339 19
20 2308.85437 729.5576985 337.882445 146.62797 20
21 2773.549452 874.2893169 403.528133 174.0210046 21
22 3329.147335 1046.884464 481.5217748 206.3447855 22
23 3993.430261 1252.707387 574.1860206 244.4868468 23
24 4787.658998 1498.155051 684.2804111 289.4944793 24
25 5737.253308 1790.855956 815.0835564 342.6034855 25
26 6872.605521 2139.90723 970.4907734 405.2721129 26
27 8230.053258 2556.157367 1155.130088 479.2210933 27
28 9853.042439 3052.543397 1374.500057 566.4808901 28
29 11793.5178 3644.492971 1635.133518 669.4474503 29
30 14113.58539 4350.403849 1944.792133 790.9479913 30

ra
0 1 0 0 0 0
1 1 0.328190568 0.160428421 0.076850984 1
2 2.015833333 0.661497316 0.323301883 0.154824123 2
3 3.047750694 1 0.488657651 0.233935801 3
4 4.096006747 1.34377962 0.656533556 0.314202643 4
5 5.160860187 1.692918438 0.826968008 0.395641516 5
6 6.242573807 2.0475 1 1.090871211 6
7 7.341414559 2.407609152 1.175669121 0.562104061 7
8 8.457653623 2.773332064 1.354015562 0.647162713 8
9 9.591566472 3.14475625 1.535080128 0.733463365 9
10 10.74343294 3.521970587 1.718904244 0.821024152 10
11 11.9135373 3.905065337 1.905529969 0.909863474 11
Anul h= Anul h=
1 13.1021683 4.294132172 2.095 1 1
2 28.9223945 9.464143971 4.606957375 2.19 2
3 48.02454241 15.68868969 7.618857067 3.6061 3
4 71.08944997 23.18286395 11.23020009 5.291259 4
5 98.93919562 32.20563451 15.56029067 7.29659821 5
6 132.5663988 43.06879111 20.75217752 9.68295187 6
7 173.1695989 56.14771966 26.97737965 12.52271273 7
8 222.1959733 71.89437398 34.44155263 15.90202814 8
9 281.392918 90.8528935 43.39128265 19.92341349 9
10 352.8703281 113.6784065 54.12223267 24.70886205 10
11 439.1757981 141.1596685 66.98891003 30.40354584 11
12 543.3854241 174.2463187 82.41637785 37.18021955 12
13 669.213441 214.0816952 100.9142975 45.24446127 13
14 821.1446056 262.0423444 123.0937655 54.84090891 14
15 1004.594042 319.7855885 149.6875022 66.2606816 15
16 1226.100247 389.3067959 181.5740573 79.85021111 16
17 1493.558135 473.0083328 219.8068341 96.02175122 17
18 1816.50043 573.7825792 265.6488892 115.2658839 18
19 2206.437425 695.1118775 320.6146594 138.1664019 19
20 2677.26724 841.1888678 386.519992 165.4180183 20
21 3245.771169 1017.061368 465.5421334 197.8474417 21
22 3932.211806 1228.806808 560.2916565 236.4384557 22
23 4761.055238 1483.742235 673.8987034 282.3617622 23
24 5761.843068 1790.677168 810.1163928 337.0104971 24
25 6970.245332 2160.218011 973.4448079 402.0424915 25
26 8429.331851 2605.134571 1169.279661 479.4305649 26
27 10191.10733 3140.801332 1404.090545 571.5223722 27
28 12318.36488 3785.728726 1685.634666 681.1116229 28
29 14886.92414 4562.202786 2023.213106 811.5228313 29
30 17988.33358 5497.055251 2427.978094 966.7121692 30
Factori de recuperare a creditului f rec =

(1 + ra )h ra sau f rec =
ra
pentru ra = 1 %
[1 + ra ]h 1 1 (1 + ra )
h
Luna
Lunar Trimestrial Semestrial Anual
n= Luna n=
1 1.000833333 3.004998613 6.017487878 12.06490119 1
2 0.500625087 1.503124567 3.009994458 6.03495163 2
3 0.333889043 1.0025 2.007496883 4.024968905 3
4 0.25052105 0.752187803 1.506248268 3.019977888 4
5 0.200500278 0.602000555 1.205499238 2.416983554 5
6 0.167153115 0.50187578 1.005 2.014987562 6
7 0.14333373 0.430358134 0.861786358 1.727847765 7
8 0.125469206 0.376719942 0.754376212 1.51249309 8
9 0.111574588 0.335001387 0.670835065 1.344995163 9
10 0.100458906 0.301626578 0.604002217 1.21099696 10
11 0.091364267 0.274319947 0.549320858 1.101362192 11 Constanta
Anul
h= Anul h= anual
1 0.083785412 0.251564451 0.503753117 1.01 1 1.005424939
2 0.04210208 0.126410346 0.253132793 0.507512438 2 0.505224964
3 0.028208099 0.084693699 0.169595456 0.340022111 3 0.338497192
4 0.021261456 0.063836415 0.127828865 0.256281094 4 0.255137471
5 0.017093747 0.051322877 0.102770573 0.2060398 5 0.205124969
6 0.014315506 0.042981212 0.08606643 0.172548367 6 0.171786078
7 0.012331247 0.037023474 0.074136086 0.148628283 7 0.147974963
8 0.010843226 0.03255569 0.065189367 0.130690292 8 0.130118708
9 0.00968603 0.02908121 0.058231731 0.116740363 9 0.11623236
10 0.008760412 0.026302041 0.052666452 0.105582077 10 0.105124946
11 0.008003215 0.024028553 0.048113797 0.096454076 11 0.096038574
12 0.007372332 0.022134327 0.04432061 0.088848789 12 0.088467985
13 0.006838615 0.02053184 0.041111629 0.08241482 13 0.082063382
14 0.006381242 0.019158576 0.038361666 0.076901172 14 0.076574909
15 0.005984945 0.017968691 0.035978918 0.07212378 15 0.071819342
16 0.005638272 0.016927801 0.033894532 0.067944597 16 0.067659259
17 0.005332465 0.016009613 0.032055856 0.064258055 17 0.063989575
18 0.005060713 0.015193676 0.030421937 0.060982048 18 0.060728557
19 0.00481764 0.014463845 0.028960446 0.058051754 19 0.057811678
20 0.004598943 0.013807206 0.027645519 0.055415315 20 0.055187317
21 0.00440114 0.0132133 0.026456216 0.053030752 21 0.052813685
22 0.004221383 0.012673574 0.025375409 0.050863718 22 0.050656592
23 0.004057316 0.012180961 0.024388944 0.04888584 23 0.048687793
24 0.003906979 0.011729572 0.023485029 0.047073472 24 0.046883751
25 0.003768725 0.011314459 0.022653758 0.045406753 25 0.045224695
26 0.003641158 0.010931437 0.021886749 0.043868878 26 0.043693895
27 0.003523092 0.01057694 0.021176861 0.042445529 27 0.042277101
28 0.003413508 0.010247912 0.020517974 0.041124436 28 0.040962097
29 0.003311529 0.009941718 0.019904811 0.03989502 29 0.039738353
30 0.003216395 0.009656074 0.019332802 0.038748113 30 0.038596742

ra
pentru ra = 2 %
[1 + ra ]h 1 1 (1 + ra )
h

ra
pentru ra = 3 %
[1 + ra ]h 1 1 (1 + ra )
h
1 1.0025 3.014987547 6.052391438 12.19411941 1

2 0.50187578 1.509371108 3.029950371 6.104568941 2
3 0.335001387 1.0075 2.022472084 4.074722891 3
4 0.251564451 0.756565224 1.518734491 3.059802945 4
5 0.201502497 0.606004981 1.216493176 2.45085344 5
6 0.168128034 0.505632005 1.015 2.044889157 6
7 0.144289281 0.433937467 0.871077189 1.754916428 7
8 0.126410346 0.380166952 0.763135856 1.53743842 8
9 0.112504624 0.338345787 0.679182175 1.368290228 9
10 0.10138015 0.304889166 0.612019851 1.232972905 10
11 0.092278402 0.27751585 0.557069423 1.122259852 11 Constanta
Anul h= Anul h= anual
1 0.084693699 0.254705012 0.511277916 1.03 1 1.016324385
2 0.042981212 0.129255524 0.259444786 0.522610837 2 0.515774544
3 0.02908121 0.087451477 0.175525215 0.353530363 3 0.348974516
4 0.022134327 0.066558785 0.133584025 0.269027045 4 0.265611924
5 0.017968691 0.054030632 0.108434178 0.218354571 5 0.215624288
6 0.015193676 0.045684742 0.091679993 0.1845975 6 0.18232411
7 0.0132133 0.039728712 0.079723319 0.160506354 7 0.158559601
8 0.011729572 0.03526634 0.070765078 0.142456389 8 0.140754863
9 0.01057694 0.031799733 0.063805782 0.128433857 9 0.126923284
10 0.009656074 0.029030156 0.058245736 0.117230507 10 0.115872894
11 0.008903764 0.026767505 0.053703315 0.108077448 11 0.106845163
12 0.008277867 0.024885042 0.049924102 0.100462085 12 0.099334403
13 0.00774921 0.023295026 0.04673196 0.094029544 13 0.092990521
14 0.007296954 0.021934784 0.044001076 0.088526339 14 0.087563447
15 0.006905816 0.020758355 0.041639188 0.08376658 15 0.082869797
16 0.006564336 0.019731268 0.039577097 0.079610849 16 0.078772029
17 0.006263747 0.018827163 0.037761886 0.075952529 17 0.075164964
18 0.005997233 0.018025537 0.036152396 0.072708696 18 0.071966795
19 0.005759411 0.017310203 0.034716133 0.069813881 19 0.069112934
20 0.005545976 0.016668211 0.033427102 0.067215708 20 0.066551712
21 0.005353442 0.016089078 0.032264257 0.064871776 21 0.064241298
22 0.005178956 0.015564227 0.03121038 0.062747395 22 0.062147469
23 0.005020162 0.01508657 0.030251246 0.060813903 23 0.060241949
24 0.004875098 0.014650203 0.029375 0.059047416 24 0.058501177
25 0.004742113 0.014250166 0.028571683 0.057427871 25 0.056905358
26 0.004619812 0.013882259 0.02783287 0.05593829 26 0.055437743
27 0.004507005 0.013542909 0.027151381 0.05456421 27 0.054084065
28 0.004402674 0.013229048 0.026521063 0.053293233 28 0.052832091
29 0.00430594 0.012938034 0.025936612 0.052114671 29 0.051671277
30 0.00421604 0.012667577 0.025393427 0.051019259 30 0.050592484

ra
pentru ra =4%
[1 + ra ]h 1 1 (1 + ra )
h

ra
pentru ra = 5 %
[1 + ra ]h 1 1 (1 + ra )
h
1 1.004166667 3.024965493 6.087199919 12.32257753 1

2 0.503127166 1.515614217 3.04986282 6.173814176 2
3 0.336114961 1.0125 2.037422837 4.124237686 3
4 0.252609581 0.760945048 1.531207132 3.099457911 4
5 0.20250693 0.610013803 1.227481138 2.484596822 5
6 0.169105644 0.50939441 1.025 2.074695077 6
7 0.145247995 0.437524647 0.880373065 1.781912955 7
8 0.127355119 0.383623404 0.771905008 1.562330599 8
9 0.113438759 0.341701173 0.687542868 1.391548087 9
10 0.102305959 0.30816425 0.62005487 1.254925464 10
11 0.093197568 0.280725735 0.564838977 1.143146399 11 Constanta
1 0.085607482 0.257861023 0.51882716 1.05 1 1.027289781
2 0.04387139 0.132133136 0.265817878 0.537804878 2 0.526456677
3 0.029970897 0.090258312 0.181549971 0.367208565 3 0.359650765
4 0.023029294 0.069346722 0.139467346 0.282011833 4 0.276351523
5 0.018871234 0.05682039 0.114258763 0.230974798 5 0.226454804
6 0.016104933 0.048486648 0.097487127 0.197017468 6 0.193259192
7 0.014133909 0.042548633 0.085536525 0.172819818 7 0.169606909
8 0.01265992 0.038107906 0.076598989 0.154721814 8 0.15191904
9 0.011517273 0.034665329 0.069670081 0.14069008 9 0.138207278
10 0.010606552 0.031921414 0.064147129 0.129504575 10 0.127278618
11 0.009864488 0.029685575 0.059646606 0.120388891 11 0.118373859
12 0.009248904 0.027830748 0.05591282 0.11282541 12 0.11098685
13 0.008730597 0.026268966 0.052768747 0.106455765 13 0.104767164
14 0.008288707 0.024937388 0.050087933 0.101023969 14 0.099464485
15 0.007907936 0.02378993 0.047777641 0.096342288 15 0.094895235
16 0.00757681 0.022792027 0.045768312 0.092269908 16 0.09092172
17 0.007286553 0.021917242 0.044006751 0.088699142 17 0.087438633
18 0.007030339 0.021145013 0.042451577 0.085546222 18 0.084364062
19 0.006802778 0.020459104 0.041070118 0.08274501 19 0.08163333
20 0.006599557 0.019846524 0.039836233 0.080242587 20 0.079194689
21 0.006417186 0.019296755 0.038728757 0.077996107 21 0.077006238
22 0.006252808 0.018801189 0.037730368 0.075970509 22 0.075033691
23 0.00610406 0.018352715 0.036826757 0.074136822 23 0.073248716
24 0.005968975 0.017945405 0.036005994 0.072470901 24 0.071627701
25 0.0058459 0.017574279 0.035258057 0.070952457 25 0.070150805
26 0.005733436 0.01723512 0.034574464 0.069564321 26 0.068801234
27 0.00563039 0.016924337 0.033947986 0.06829186 27 0.06756468
28 0.00553574 0.016638851 0.033372426 0.06712253 28 0.066428874
29 0.005448603 0.016376004 0.03284244 0.066045515 29 0.065383236
30 0.005368216 0.016133496 0.032353396 0.065051435 30 0.064418595

ra
pentru ra = 6 %
[1 + ra ]h 1 1 (1 + ra )
h
1 1.005 3.029950371 6.104568941 12.38652834 1

2 0.503753117 1.518734491 3.059802945 6.208300589 2
3 0.336672208 1.015 2.044889157 4.148907524 3
4 0.253132793 0.763135856 1.53743842 3.11922313 4
5 0.203009975 0.612019851 1.232972905 2.501422205 5
6 0.169595456 0.511277916 1.03 2.089563014 6
7 0.145728536 0.439321163 0.885022872 1.795384814 7
8 0.127828865 0.385355148 0.776293105 1.574757233 8
9 0.113907361 0.34338296 0.691728245 1.403163397 9
10 0.102770573 0.30980645 0.624078819 1.265893184 10
11 0.093659033 0.282335888 0.568731528 1.153585604 11 Constanta
1 0.08606643 0.259444786 0.522610837 1.06 1 1.032797156
2 0.04432061 0.133584025 0.269027045 0.545436893 2 0.531847323
3 0.030421937 0.091679993 0.1845975 0.374109813 3 0.365063249
4 0.023485029 0.070765078 0.142456389 0.288591492 4 0.281820349
5 0.019332802 0.058245736 0.117230507 0.2373964 5 0.231993618
6 0.016572888 0.049924102 0.100462085 0.203362628 6 0.198874655
7 0.014608554 0.044001076 0.088526339 0.179135018 7 0.175302654
8 0.01314143 0.039577097 0.079610849 0.161035943 8 0.157697163
9 0.01200575 0.036152396 0.072708696 0.147022235 9 0.144068996
10 0.01110205 0.033427102 0.067215708 0.135867958 10 0.133224602
11 0.010367035 0.03121038 0.062747395 0.126792938 11 0.124404416
12 0.009758502 0.029375 0.059047416 0.119277029 12 0.117102026
13 0.009247234 0.02783287 0.05593829 0.112960105 13 0.110966813
14 0.008812359 0.026521063 0.053293233 0.107584909 14 0.105748311
15 0.008438568 0.025393427 0.051019259 0.102962764 15 0.101262819
16 0.008114379 0.024415342 0.049046618 0.098952144 16 0.097372544
17 0.007831008 0.02356033 0.047321963 0.095444804 17 0.093972093
18 0.007581623 0.022807791 0.045803794 0.092356541 18 0.090979479
19 0.00736083 0.022141461 0.04445934 0.08962086 19 0.088329959
20 0.007164311 0.021548323 0.043262378 0.087184557 20 0.085971727
21 0.006988569 0.021017838 0.042191673 0.085004547 21 0.08386283
22 0.006830744 0.020541379 0.041229847 0.083045569 22 0.081968934
23 0.006688472 0.020111819 0.040362538 0.081278485 23 0.080261664
24 0.006559781 0.019723214 0.039577774 0.079679005 24 0.078717368
25 0.006443014 0.019370571 0.038865494 0.078226718 25 0.077316168
26 0.00633677 0.019049663 0.038217184 0.076904347 26 0.076041239
27 0.006239854 0.018756888 0.037625584 0.075697166 27 0.074878243
28 0.00615124 0.018489156 0.037084473 0.074592552 28 0.073814882
29 0.006070046 0.018243803 0.036588482 0.073579614 29 0.072840554
30 0.005995505 0.01801852 0.036132959 0.072648911 30 0.071946063

ra
pentru ra = 7 %
[1 + ra ]h 1 1 (1 + ra )
h
Luna Luna
n= n=
1 1.005833333 3.034932533 6.12191471 12.45029715 1

2 0.504379241 1.521853917 3.069732439 6.242697907 2
3 0.337229762 1.0175 2.052349497 4.173520087 3
4 0.253656436 0.765327258 1.543666388 3.138947621 4
5 0.203513571 0.614026986 1.238463211 2.518217297 5
6 0.170085937 0.513162949 1.035 2.104408043 6
7 0.146209864 0.441119618 0.889673913 1.808839401 7
8 0.128303515 0.387089227 0.780683527 1.58717114 8
9 0.114376983 0.345067464 0.695916943 1.4147698 9
10 0.103236323 0.311451739 0.628107019 1.276855304 10
11 0.094121751 0.283949497 0.572629211 1.16402215 11
Anul Anul Constanta
h h= anual
1 0.086526746 0.261032367 0.526400491 1.07 1 1.038320953
2 0.044772579 0.135042923 0.272251139 0.553091787 2 0.537270949
3 0.030877097 0.093113774 0.187668209 0.381051666 3 0.370525162
4 0.023946245 0.072199576 0.145476647 0.295228117 4 0.287354936
5 0.019801199 0.059691225 0.120241368 0.243890694 5 0.237614382
6 0.017049006 0.051385651 0.103483949 0.2097958 6 0.204588078
7 0.01509268 0.045481514 0.091570729 0.18555322 7 0.18111216
8 0.013633717 0.041078122 0.082684831 0.167467762 8 0.163604605
9 0.012506277 0.037675067 0.075816841 0.15348647 9 0.150075319
10 0.011610848 0.034972091 0.070361077 0.142377503 10 0.139330175
11 0.010884101 0.032778103 0.065932074 0.133356905 11 0.130609211
12 0.010283811 0.030965695 0.06227283 0.125901989 12 0.123405731
13 0.009780741 0.029446651 0.059205396 0.119650848 13 0.117368897
14 0.009354005 0.028157948 0.056602645 0.114344939 14 0.112248065
15 0.008988283 0.02705336 0.054371332 0.109794625 15 0.107859393
16 0.00867208 0.026098208 0.052441505 0.105857648 16 0.104064962
17 0.008396607 0.025265966 0.050759658 0.102425193 17 0.100759278
18 0.008155022 0.024535996 0.049284163 0.099412602 18 0.09786026
19 0.007941924 0.023892 0.047982141 0.096753015 19 0.095303085
20 0.007752989 0.023320931 0.046827282 0.094392926 20 0.093035872
21 0.007584717 0.022812226 0.045798276 0.092289002 21 0.091016606
22 0.007434241 0.022357238 0.044877682 0.090405773 22 0.089210892
23 0.007299192 0.021948819 0.044051082 0.088713926 23 0.087590307
24 0.007177596 0.02158101 0.043306458 0.087189021 24 0.08613115
25 0.007067792 0.021248804 0.04263371 0.085810517 25 0.084813504
26 0.006968376 0.020947961 0.042024285 0.084561028 26 0.083620508
27 0.006878149 0.020674867 0.041470898 0.083425734 27 0.082537792
28 0.006796086 0.020426426 0.040967298 0.082391928 28 0.081553034
29 0.006721301 0.020199965 0.040508097 0.081448652 29 0.080655607
30 0.006653025 0.019993167 0.040088621 0.080586404 30 0.079836299

ra
pentru ra = 8%
[1 + ra ]h 1 1 (1 + ra )
h
1 1.006666667 3.039911989 6.139237395 12.51388648 1

2 0.505005537 1.524972497 3.079651381 6.277007374 2
3 0.337787621 1.02 2.059803903 4.198076176 3
4 0.254180509 0.767519252 1.549891058 3.158631954 4
5 0.204017718 0.616035204 1.243952066 2.534982522 5
6 0.170577088 0.515049505 1.04 2.119230485 6
7 0.146691978 0.442920006 0.894326178 1.822276958 7
8 0.128779068 0.388825631 0.785076257 1.5995725 8
9 0.114847625 0.346754673 0.700108937 1.42636742 9
10 0.103703209 0.313100105 0.632139438 1.287811904 10
11 0.094585721 0.28556655 0.576531989 1.174456072 11 Constanta
1 0.086988429 0.262623753 0.530196078 1.08 1 1.043861149
2 0.045227291 0.136509799 0.275490045 0.560769231 2 0.542727497
3 0.031336365 0.094559597 0.190761903 0.388033514 3 0.376036386
4 0.024412922 0.073650126 0.148527832 0.301920804 4 0.292955068
5 0.020276394 0.061156718 0.123290944 0.250456455 5 0.243316731
6 0.017533241 0.052871097 0.106552173 0.216315386 6 0.210398887
7 0.015586214 0.046989672 0.094668973 0.192072401 7 0.187034573
8 0.014136679 0.042610607 0.085819999 0.174014761 8 0.169640151
9 0.013018715 0.039232853 0.078993328 0.160079709 9 0.156224579
10 0.012132759 0.036555748 0.07358175 0.149029489 10 0.145593113
11 0.011415447 0.034387939 0.069198811 0.140076342 11 0.136985363
12 0.010824526 0.032601836 0.065586831 0.132695017 12 0.12989431
13 0.010330739 0.031109086 0.06256738 0.126521805 13 0.123968866
14 0.009913182 0.029846564 0.060012975 0.121296853 14 0.118958184
15 0.009556521 0.028767966 0.057830099 0.116829545 15 0.11467825
16 0.00924925 0.027838547 0.05594859 0.112976872 16 0.110991003
17 0.008982568 0.027031729 0.054314772 0.109629431 17 0.107790821
18 0.008749626 0.026326831 0.052886878 0.106702096 18 0.104995515
19 0.008545014 0.025707515 0.051631919 0.104127627 19 0.102540165
20 0.008364401 0.025160705 0.050523489 0.101852209 20 0.100372808
21 0.00820428 0.024675812 0.049540201 0.09983225 21 0.098451355
22 0.008061779 0.024244163 0.048664544 0.098032068 22 0.096741349
23 0.007934526 0.023858594 0.047882049 0.096422169 23 0.09521431
24 0.007820541 0.023513127 0.047180648 0.094977962 24 0.093846495
25 0.007718162 0.023202744 0.0465502 0.093678779 25 0.092617946
26 0.007625981 0.022923191 0.045982124 0.092507127 26 0.091511774
27 0.007542799 0.022670848 0.045469102 0.091448096 27 0.090513584
28 0.007467586 0.02244261 0.045004866 0.090488906 28 0.089611037
29 0.007399458 0.022235799 0.044584009 0.089618535 29 0.088793498
30 0.007337646 0.022048097 0.044201845 0.088827433 30 0.088051749

ra
pentru ra = 9 %
[1 + ra ]h 1 1 (1 + ra )
h
1 1.0075 3.044888748 6.156537163 12.57729883 1

2 0.505632005 1.528090234 3.089559847 6.311230205 2
3 0.338345787 1.0225 2.067252415 4.222576571 3
4 0.254705012 0.769711836 1.556112454 3.178276683 4
5 0.204522416 0.6180445 1.24943948 2.551718293 5
6 0.171068907 0.516937577 1.045 2.134030651 6
7 0.147174879 0.444722319 0.898979659 1.835697721 7
8 0.129255524 0.390564352 0.789471278 1.611961486 8
9 0.115319286 0.348444577 0.704304205 1.437956379 9
10 0.104171229 0.314751538 0.636176046 1.298763061 10
11 0.09505094 0.287187032 0.580439824 1.184887407 11 Constanta
1 0.087451477 0.264218928 0.533997555 1.09 1 1.049417721
2 0.045684742 0.137984618 0.278743648 0.5684689 2 0.548216907
3 0.031799733 0.096017402 0.193878388 0.395054757 3 0.381596792
4 0.024885042 0.07511663 0.151609653 0.308668662 4 0.298620508
5 0.020758355 0.062642071 0.126378822 0.257092457 5 0.249100263
6 0.018025537 0.054380229 0.109666189 0.222919783 6 0.216306446
7 0.016089078 0.048525251 0.097820316 0.198690517 7 0.193068939
8 0.014650203 0.044174149 0.089015369 0.180674378 8 0.175802439
9 0.013542909 0.040825215 0.082236898 0.166798802 9 0.162514904
10 0.012667577 0.038177378 0.076876144 0.15582009 10 0.152010929
11 0.011960804 0.03603901 0.072545646 0.146946657 11 0.143529647
12 0.011380307 0.034282328 0.06898703 0.139650658 12 0.136563684
13 0.010896805 0.032818836 0.066021367 0.13356656 13 0.130761662
14 0.010489375 0.0315853 0.063520805 0.128433173 14 0.125872501
15 0.010142666 0.030535327 0.061391543 0.124058883 15 0.12171199
16 0.009845158 0.029634106 0.059563196 0.12029991 16 0.118141901
17 0.009588039 0.028855 0.057981912 0.117046248 17 0.115056468
18 0.009364448 0.028177279 0.05660578 0.114212291 18 0.11237338
19 0.009168968 0.027584569 0.055401692 0.111730411 19 0.110027613
20 0.00899726 0.02706376 0.054343147 0.109546475 20 0.107967115
21 0.00884581 0.026604234 0.053408676 0.107616635 21 0.106149722
22 0.008711743 0.0261973 0.052580706 0.105904993 22 0.104540919
23 0.008592681 0.025835772 0.051844711 0.10438188 23 0.103112178
24 0.008486643 0.025513661 0.051188582 0.103022561 24 0.101839719
25 0.008391964 0.025225936 0.050602146 0.101806251 25 0.100703564
26 0.008307234 0.024968338 0.050076792 0.10071536 26 0.099686805
27 0.008231254 0.024737243 0.049605189 0.099734905 27 0.098775048
28 0.008162996 0.024529542 0.049181052 0.098852047 28 0.097955957
29 0.008101576 0.024342559 0.048798969 0.098055723 29 0.097218911
30 0.008046226 0.02417398 0.048454256 0.097336351 30 0.096554714

ra
pentru ra=10 %
[1 + ra ]h 1 1 (1 + ra )
h
(plile constante pentru rambursarea creditului)

1 1.008333333 3.04986282 6.173814176 12.64053661 1

2 0.506258645 1.531207132 3.099457911 6.345367587 2
3 0.338904257 1.025 2.074695077 4.247022036 3
4 0.255229944 0.771905008 1.562330599 3.197882352 4
5 0.205027662 0.62005487 1.254925464 2.568425014 5
6 0.171561394 0.51882716 1.05 2.148808848 6
7 0.147658563 0.446526552 0.903634347 1.849101922 7
8 0.129732881 0.39230538 0.793868574 1.624338268 8
9 0.115791963 0.350137167 0.708502722 1.449536796 9
10 0.104640381 0.316406024 0.640216813 1.309708849 10
11 0.095517406 0.288810932 0.58435268 1.195316192 11 Constanta
1 0.087915887 0.265817878 0.537804878 1.1 1 1.054990647
2 0.046144926 0.139467346 0.282011833 0.576190476 2 0.553739116
3 0.032267187 0.097487127 0.197017468 0.402114804 3 0.387206246
4 0.025362583 0.076598989 0.154721814 0.315470804 4 0.304351001
5 0.021247045 0.064147129 0.129504575 0.263797481 5 0.254964537
6 0.018525838 0.05591282 0.11282541 0.22960738 6 0.222310053
7 0.016601184 0.050087933 0.101023969 0.2054055 7 0.199214208
8 0.015174164 0.045768312 0.092269908 0.187444018 8 0.182089969
9 0.014078686 0.042451577 0.085546222 0.173640539 9 0.168944235
10 0.013215074 0.039836233 0.080242587 0.162745395 10 0.158580884
11 0.012519877 0.037730368 0.075970509 0.153963142 11 0.15023853
12 0.011950783 0.036005994 0.072470901 0.146763315 12 0.143409392
13 0.011478481 0.034574464 0.069564321 0.140778524 13 0.137741771
14 0.011082027 0.033372426 0.06712253 0.135746223 14 0.132984322
15 0.010746051 0.032353396 0.065051435 0.131473777 15 0.128952614
16 0.010459019 0.031482487 0.063280419 0.127816621 16 0.125508232
17 0.010212105 0.030733003 0.061755445 0.124664134 17 0.122545255
18 0.009998437 0.030084165 0.060434457 0.121930222 18 0.119981244
19 0.009812589 0.029519559 0.059284228 0.119546868 19 0.11775107
20 0.009650216 0.029026045 0.058278161 0.117459625 20 0.115802597
21 0.0095078 0.028592979 0.057394713 0.11562439 21 0.114093601
22 0.00938246 0.028211651 0.056616251 0.114005063 22 0.11258952
23 0.009271817 0.027874863 0.055928204 0.112571813 23 0.111261799
24 0.009173887 0.027576617 0.055318431 0.111299776 24 0.110086648
25 0.009087007 0.027311879 0.054776735 0.110168072 25 0.109044089
26 0.00900977 0.027076389 0.054294497 0.109159039 26 0.108117236
27 0.008940977 0.026866526 0.053864377 0.108257642 27 0.107291719
28 0.008879604 0.026679189 0.053480098 0.107451013 28 0.106555247
29 0.008824771 0.026511713 0.053136257 0.106728075 29 0.105897249
30 0.008775716 0.026361793 0.052828185 0.106079248 30 0.105308588

ra
pentru ra = 11
[1 + ra ]h 1 1 (1 + ra )
h
%(plile constante pentru rambursarea creditului)

Baza 1.009166667 1.0275 1.055 1.11
1 1.009166667 3.054834216 6.191068598 12.7036022 1
2 0.506885456 1.534323193 3.109345648 6.379420679 2
3 0.339463032 1.0275 2.082131929 4.271413316 3
4 0.255755305 0.774098765 1.568545518 3.217449492 4
5 0.205533457 0.622066311 1.260410029 2.585103081 5
6 0.172054548 0.520718249 1.055 2.163565375 6
7 0.148143032 0.448332695 0.908290233 1.862489785 7
8 0.130211137 0.394048708 0.798268128 1.636703014 8
9 0.116265656 0.351832433 0.712704464 1.461108789 9
10 0.105110664 0.318063554 0.644261708 1.320649342 10
11 0.095985119 0.290438236 0.588270519 1.20574246 11 Constanta
1 0.088381659 0.267420588 0.541618005 1.11 1 1.060579902
2 0.046607838 0.140957948 0.285294485 0.583933649 2 0.559294058
3 0.032738717 0.09896871 0.200178948 0.40921307 3 0.392864605
4 0.025845523 0.078097098 0.157864012 0.322326352 4 0.310146271
5 0.021742423 0.065671731 0.132667769 0.27057031 5 0.260909077
6 0.019034079 0.057468633 0.116029231 0.236376564 6 0.228408948
7 0.017122436 0.05167738 0.104279115 0.212215269 7 0.205469237
8 0.015708426 0.047392632 0.095582538 0.194321054 8 0.188501108
9 0.014625861 0.044111321 0.088919916 0.180601664 9 0.175510332
10 0.013775001 0.041531514 0.08367933 0.169801427 10 0.165300014
11 0.013092349 0.039461002 0.079471232 0.161121007 11 0.157108189
12 0.012535553 0.037771581 0.076035804 0.154027286 12 0.150426631
13 0.012075274 0.036374445 0.073193071 0.148150993 13 0.144903283
14 0.011690542 0.035206117 0.0708144 0.143228202 14 0.140286507
15 0.011365969 0.034220017 0.06880539 0.13906524 15 0.136391632
16 0.011090004 0.033381181 0.067095189 0.135516747 16 0.133080048
17 0.010853806 0.032662851 0.065629577 0.132471485 17 0.130245677
18 0.010650496 0.032044202 0.064366349 0.12984287 18 0.127805957
19 0.010474639 0.031508783 0.063272166 0.127562504 19 0.125695667
20 0.010321884 0.031043424 0.062320343 0.125575637 20 0.123862607
21 0.01018871 0.030637466 0.061489273 0.12383793 21 0.122264514
22 0.010072235 0.030282186 0.060761276 0.122313101 22 0.120866814
23 0.00997008 0.02997038 0.060121751 0.120971182 23 0.11964096
24 0.009880266 0.029696054 0.059558542 0.119787211 24 0.118563189
25 0.009801131 0.029454177 0.05906145 0.118740242 25 0.117613569
26 0.009731273 0.029240502 0.05862186 0.117812575 26 0.116775276
27 0.009669502 0.029051421 0.058232453 0.116989164 27 0.116034019
28 0.0096148 0.028883853 0.057886976 0.116257145 28 0.115377595
29 0.009566294 0.028735154 0.057580058 0.11560547 29 0.114795532
30 0.009523234 0.028603043 0.057307069 0.115024598 30 0.114278807

ra
pentru ra = 12
[1 + ra ]h 1 1 (1 + ra )
h

1 1.01 3.059802945 6.208300589 12.76649791 1

2 0.507512438 1.53743842 3.11922313 6.413390614 2
3 0.340022111 1.03 2.089563014 4.295751141 3
4 0.256281094 0.776293105 1.574757233 3.23697862 4
5 0.2060398 0.624078819 1.265893184 2.601752879 5
6 0.172548367 0.522610837 1.06 2.178300524 6
7 0.148628283 0.450140743 0.912947309 1.875861531 7
8 0.130690292 0.395794327 0.802669924 1.649055886 8
9 0.116740363 0.353530363 0.716909409 1.47267247 9
10 0.105582077 0.319724115 0.648310701 1.331584612 10
11 0.096454076 0.292068931 0.592193306 1.216166247 11 Constanta
1 0.088848789 0.269027045 0.545436893 1.12 1 1.066185464
2 0.047073472 0.142456389 0.288591492 0.591698113 2 0.564881667
3 0.03321431 0.100462085 0.203362628 0.416348981 3 0.398571718
4 0.026333835 0.079610849 0.161035943 0.329234436 4 0.316006025
5 0.022244448 0.067215708 0.135867958 0.277409732 5 0.266933372
6 0.019550193 0.059047416 0.119277029 0.243225718 6 0.23460231
7 0.017652733 0.053293233 0.107584909 0.219117736 7 0.211832794
8 0.016252841 0.049046618 0.098952144 0.201302841 8 0.195034097
9 0.015184233 0.045803794 0.092356541 0.187678889 9 0.182210791
10 0.014347095 0.043262378 0.087184557 0.176984164 10 0.172165138
11 0.013677879 0.041229847 0.083045569 0.168415404 11 0.164134545
12 0.013134191 0.039577774 0.079679005 0.161436808 12 0.157610297
13 0.012686662 0.038217184 0.076904347 0.155677195 13 0.152239947
14 0.012314295 0.037084473 0.074592552 0.150871246 14 0.147771543
15 0.012001681 0.036132959 0.072648911 0.14682424 15 0.144020167
16 0.011737251 0.035327602 0.071002337 0.143390018 16 0.140847015
17 0.011512155 0.034641587 0.069598425 0.140456728 17 0.138145863
18 0.011319504 0.034054045 0.068394835 0.137937311 18 0.135834046
19 0.011153857 0.033548493 0.067358124 0.135763005 19 0.133846279
20 0.011010861 0.033111746 0.066461536 0.13387878 20 0.132130336
21 0.010886996 0.032733133 0.065683415 0.132240092 21 0.130643958
22 0.010779384 0.032403931 0.065006057 0.130810509 22 0.129352603
23 0.010685649 0.032116945 0.064414853 0.129559965 23 0.128227786
24 0.010603819 0.031866193 0.063897655 0.128463442 24 0.127245826
25 0.010532241 0.031646666 0.063444286 0.12749997 25 0.126386897
26 0.010469525 0.031454141 0.063046167 0.126651858 26 0.125634295
27 0.010414489 0.031285039 0.062696021 0.125904094 27 0.124973866
28 0.01036613 0.031136313 0.062387647 0.125243869 28 0.124393557
29 0.010323588 0.031005353 0.062115736 0.124660207 29 0.123883058
30 0.010286126 0.030889918 0.061875722 0.124143658 30 0.123433512

ra
pentru ra = 13
[1 + ra ]h 1 1 (1 + ra )
h

1 1.010833333 3.064769016 6.225510306 12.829226 1

2 0.508139591 1.540552818 3.129090431 6.4472785 2
3 0.340581495 1.0325 2.096988372 4.320036222 3
4 0.25680731 0.778488026 1.580965766 3.256470245 4
5 0.20654669 0.62609239 1.271374939 2.618374785 5
6 0.173042851 0.52450492 1.065 2.193014581 6
7 0.149114315 0.451950688 0.917605566 1.889217377 7
8 0.131170344 0.397542228 0.807073946 1.661397043 8
9 0.117216083 0.355230949 0.721117534 1.484227953 9
10 0.106054617 0.321387695 0.652363764 1.342514729 10
11 0.096924275 0.293703004 0.596121004 1.226587586 11 Constanta
1 0.089317276 0.270637234 0.549261501 1.13 1 1.071807309
2 0.047541823 0.143962634 0.29190274 0.599483568 2 0.570501871
3 0.033693952 0.101967188 0.206568312 0.42352197 3 0.404327424
4 0.026827496 0.081140132 0.164237297 0.336194197 4 0.321929951
5 0.022753073 0.068778884 0.13910469 0.284314543 5 0.273036877
6 0.020074105 0.060648906 0.122568166 0.250153232 6 0.240889262
7 0.018191963 0.054935119 0.110940481 0.226110804 7 0.21830356
8 0.016807255 0.050729755 0.102377574 0.20838672 8 0.201687061
9 0.015753588 0.047528313 0.09585461 0.194868902 9 0.189043052
10 0.014931074 0.04502794 0.090756395 0.184289556 10 0.179172888
11 0.014276108 0.043035791 0.086691204 0.175841455 11 0.171313295
12 0.013746252 0.041423203 0.083397698 0.168986085 12 0.164955029
13 0.013312103 0.040101029 0.080694798 0.163350341 13 0.159745231
14 0.012952636 0.039005532 0.078453052 0.158667496 14 0.15543163
15 0.012652422 0.038089933 0.076577442 0.15474178 15 0.15182906
16 0.012399878 0.037319117 0.074996648 0.151426244 16 0.148798541
17 0.012186144 0.036666218 0.073656095 0.148608439 17 0.146233732
18 0.012004325 0.036110332 0.07251332 0.146200855 18 0.144051904
19 0.01184898 0.035634958 0.0715348 0.144134394 19 0.142187754
20 0.011715757 0.035226903 0.070693726 0.142353788 20 0.140589085
21 0.011601142 0.034875502 0.069968423 0.140814328 21 0.139213702
22 0.011502264 0.034572048 0.069341187 0.139479481 22 0.138027163
23 0.011416759 0.034309369 0.068797434 0.138319133 23 0.137001111
24 0.011342668 0.034081514 0.068325055 0.137308261 24 0.136112019
25 0.011278353 0.03388351 0.067913926 0.136425928 25 0.135340236
26 0.011222438 0.033711177 0.067555532 0.135654506 26 0.134669252
27 0.01117376 0.033560982 0.067242674 0.134979073 27 0.13408512
28 0.011131334 0.033429927 0.066969234 0.134386929 28 0.133576004
29 0.011094318 0.033315453 0.066729991 0.133867225 29 0.13313182
30 0.011061995 0.033215372 0.066520474 0.13341065 30 0.132743942

ra
pentru ra = 14
[1 + ra ]h 1 1 (1 + ra )
h

1 1.011666667 3.069732439 6.242697907 12.89178868 1

2 0.508766915 1.543666388 3.138947621 6.48108542 2
3 0.341141182 1.035 2.104408043 4.344269256 3
4 0.257333954 0.780683527 1.58717114 3.275924861 4
5 0.207054126 0.628107019 1.276855304 2.634969169 5
6 0.173537999 0.526400491 1.07 2.207707825 6
7 0.149601128 0.453762523 0.922264997 1.902557532 7
8 0.131651293 0.399292403 0.811480179 1.67372664 8
9 0.117692814 0.356934181 0.725328815 1.495775345 9
10 0.106528283 0.323054284 0.656420866 1.353439762 10
11 0.097395715 0.295340442 0.60005358 1.237006509 11 Constanta
1 0.089787118 0.272251139 0.553091787 1.14 1 1.077445411
2 0.048012883 0.145476647 0.295228117 0.60728972 2 0.576154599
3 0.03417763 0.103483949 0.2097958 0.43073148 3 0.410131557
4 0.027326476 0.082684831 0.167467762 0.343204783 4 0.327917718
5 0.023268251 0.070361077 0.142377503 0.291283546 5 0.27921901
6 0.020605739 0.06227283 0.125901989 0.257157496 6 0.247268874
7 0.018740012 0.056602645 0.114344939 0.233192377 7 0.224880139
8 0.017371501 0.052441505 0.105857648 0.215570024 8 0.208458012
9 0.016333701 0.049284163 0.099412602 0.202168384 9 0.196004414
10 0.015526644 0.046827282 0.094392926 0.191713541 10 0.186319722
11 0.014886661 0.044877682 0.090405773 0.183394271 11 0.178639934
12 0.014371271 0.043306458 0.087189021 0.176669327 12 0.17245525
13 0.013951032 0.042024285 0.084561028 0.171163663 13 0.167412386
14 0.013604896 0.040967298 0.082391928 0.166609145 14 0.163258754
15 0.013317414 0.040088621 0.080586404 0.162808963 15 0.159808967
16 0.013076992 0.039353077 0.079072915 0.1596154 16 0.156923901
17 0.012874762 0.038733755 0.077796738 0.156915436 17 0.154497148
18 0.012703831 0.038209732 0.07671531 0.154621152 18 0.15244597
19 0.01255876 0.037764504 0.075795052 0.152663159 19 0.15070512
20 0.012435208 0.037384889 0.075009139 0.150986002 20 0.149222497
21 0.012329671 0.037060245 0.074335907 0.149544861 21 0.147956053
22 0.012239294 0.0367819 0.073757691 0.148303165 22 0.146871527
23 0.012161731 0.036542726 0.073259965 0.147230813 23 0.145940774
24 0.012095042 0.036336821 0.072830695 0.146302841 24 0.145140504
25 0.01203761 0.03615927 0.07245985 0.145498408 25 0.144451325
26 0.011988083 0.036005954 0.072139015 0.144800014 26 0.143856999
27 0.011945322 0.035873403 0.071861101 0.144192884 27 0.143343862
28 0.011908364 0.035758687 0.071620106 0.14366449 28 0.142900369
29 0.011876394 0.035659314 0.07141093 0.143204166 29 0.142516729
30 0.011848718 0.035573166 0.071229226 0.142802794 30 0.14218461

ra
pentru ra = 15
[1 + ra ]h 1 1 (1 + ra )
h

1 1.0125 3.074693225 6.259863545 12.95418812 1

2 0.50939441 1.546779133 3.148794772 6.514812433 2
3 0.341701173 1.0375 2.111822068 4.368450924 3
4 0.257861023 0.782879605 1.593373377 3.295342953 4
5 0.207562108 0.630122703 1.28233429 2.651536392 5
6 0.17403381 0.528297546 1.075 2.222380529 6
7 0.150088721 0.455576242 0.926925592 1.915882203 7
8 0.132133136 0.401044843 0.815888605 1.686044831 8
9 0.118170555 0.358640047 0.72954323 1.507314754 9
10 0.107003074 0.32472387 0.660481979 1.364359778 10
11 0.097868393 0.296981233 0.603990996 1.247423049 11 Constanta
1 0.090258312 0.273868748 0.556927711 1.15 1 1.083099748
2 0.048486648 0.146998391 0.298567509 0.615116279 2 0.581839777
3 0.034665329 0.105012301 0.213044891 0.437976962 3 0.415983942
4 0.027830748 0.084244827 0.170727023 0.350265352 4 0.333968979
5 0.02378993 0.071962097 0.145685927 0.298315552 5 0.285479161
6 0.021145013 0.063918903 0.129277831 0.264236907 6 0.25374016
7 0.019296755 0.058295404 0.117797372 0.240360364 7 0.231561057
8 0.017945405 0.054181309 0.109391157 0.22285009 8 0.215344864
9 0.016924337 0.051070605 0.103028958 0.209574015 9 0.203092047
10 0.016133496 0.048659456 0.098092192 0.199252063 10 0.193601948
11 0.01550915 0.046754336 0.094186871 0.191068983 11 0.186109795
12 0.015008768 0.045226095 0.091050079 0.184480776 12 0.180105212
13 0.014602875 0.04398523 0.088499612 0.179110457 13 0.175234496
14 0.014270397 0.042967751 0.086405199 0.17468849 14 0.171244766
15 0.013995871 0.042126697 0.084671236 0.171017053 15 0.167950454
16 0.013767696 0.041426839 0.083225989 0.167947691 16 0.165212353
17 0.013577004 0.040841241 0.082014608 0.165366862 17 0.162924052
18 0.013416908 0.040348977 0.080994468 0.163186287 18 0.16100289
19 0.01328198 0.03993356 0.080131971 0.16133635 19 0.159383758
20 0.013167896 0.039581841 0.079400314 0.15976147 20 0.15801475
21 0.013071171 0.039283226 0.078777886 0.158416791 21 0.156854057
22 0.012988975 0.039029098 0.078247101 0.157265771 22 0.155867697
23 0.012918986 0.038812396 0.077793535 0.156278395 23 0.155027833
24 0.012859292 0.038627291 0.077405272 0.15542983 24 0.154311507
25 0.012808306 0.038468946 0.07707241 0.154699402 25 0.153699673
26 0.012764704 0.038333323 0.076786676 0.154069806 26 0.15317645
27 0.012727378 0.038217037 0.076541125 0.153526481 27 0.152728537
28 0.012695396 0.038117239 0.076329905 0.153057131 28 0.152344751
29 0.012667972 0.038031525 0.076148069 0.152651326 29 0.15201566
30 0.01264444 0.037957856 0.075991418 0.152300198 30 0.151733283

ra
pentru ra = 16
[1 + ra ]h 1 1 (1 + ra )
h

1 1.013333333 3.079651381 6.277007374 13.01642642 1

2 0.510022075 1.549891058 3.158631954 6.548460575 2
3 0.342261466 1.04 2.119230485 4.392581893 3
4 0.258388519 0.785076257 1.5995725 3.314724996 4
5 0.208070636 0.632139438 1.287811904 2.668076806 5
6 0.174530284 0.530196078 1.08 2.237032961 6
7 0.150577092 0.457391836 0.931587343 1.929191593 7
8 0.132615874 0.40279954 0.820299211 1.698351763 8
9 0.118649304 0.360348539 0.733760758 1.518846284 9
10 0.107478988 0.326396442 0.664547075 1.375274842 10
11 0.098342309 0.298625363 0.60793322 1.257837237 11 Constanta
1 0.090730858 0.275490045 0.560769231 1.16 1 1.088770294
2 0.048963111 0.148527832 0.301920804 0.622962963 2 0.587557326
3 0.035157033 0.106552173 0.216315386 0.445257873 3 0.421884396
4 0.028340281 0.085819999 0.174014761 0.357375069 4 0.34008337
5 0.024318057 0.07358175 0.149029489 0.305409382 5 0.291816685
6 0.021691841 0.065586831 0.132695017 0.27138987 6 0.260302087
7 0.019862064 0.060012975 0.121296853 0.247612677 7 0.238344767
8 0.018528786 0.05594859 0.112976872 0.23022426 8 0.222345432
9 0.017525251 0.052886878 0.106702096 0.217082487 9 0.210303009
10 0.016751312 0.050523489 0.101852209 0.206901083 10 0.201015746
11 0.016143173 0.048664544 0.098032068 0.198860751 11 0.193718071
12 0.015658253 0.047180648 0.094977962 0.192414733 12 0.187899036
13 0.015267045 0.045982124 0.092507127 0.18718411 13 0.183204538
14 0.014948454 0.045004866 0.090488906 0.182897973 14 0.179381451
15 0.014687007 0.044201845 0.088827433 0.179357522 15 0.176244089
16 0.014471103 0.043537795 0.087450813 0.176413616 16 0.173653241
17 0.014291882 0.04298578 0.08630411 0.173952249 17 0.171502589
18 0.014142471 0.042524892 0.085344674 0.171884853 18 0.169709648
19 0.014017463 0.042138687 0.084538936 0.170141656 19 0.168209556
20 0.013912559 0.041814075 0.083860162 0.168667032 20 0.166950713
21 0.013824305 0.041540535 0.083286841 0.167416169 21 0.16589166
22 0.0137499 0.041309533 0.082801516 0.166352635 22 0.164998802
23 0.01368706 0.041114098 0.082389908 0.165446582 23 0.164244716
24 0.013633906 0.0409485 0.082040266 0.164673386 24 0.163606873
25 0.013588889 0.040808 0.081742858 0.164012615 25 0.163066666
26 0.013550721 0.040688662 0.08148959 0.163447227 26 0.162608657
27 0.013518332 0.040587203 0.0812737 0.162962942 27 0.162219984
28 0.013490824 0.040500876 0.081089518 0.162547753 28 0.161889893
29 0.013467448 0.040427374 0.080932275 0.162191525 29 0.161609371
30 0.01344757 0.040364755 0.080797949 0.161885683 30 0.16137084

ra
pentru ra = 17
[1 + ra ]h 1 1 (1 + ra )
h

1 1.014166667 3.084606919 6.294129544 13.07850567 1

2 0.51064991 1.553002163 3.168459235 6.58203086 2
3 0.342822062 1.0425 2.126633333 4.416662815 3
4 0.25891644 0.787273482 1.605768529 3.334071453 4
5 0.208579708 0.63415722 1.293288158 2.684590756 5
6 0.175027419 0.532096083 1.085 2.251665383 6
7 0.15106624 0.4592093 0.936250243 1.942485898 7
8 0.133099504 0.404556486 0.82471198 1.710647583 8
9 0.119129061 0.362059647 0.737981375 1.530370037 9
10 0.107956023 0.328071988 0.668616124 1.38618502 10
11 0.09881746 0.30027282 0.611880215 1.268249103 11 Constanta
1 0.091204752 0.277115017 0.564616307 1.17 1 1.094457025
2 0.049442264 0.150064932 0.305287893 0.630829493 2 0.593307169
3 0.035652728 0.108103493 0.219607084 0.452573681 3 0.42783273
4 0.028855042 0.087410223 0.177330653 0.364533114 4 0.346260508
5 0.024852576 0.075219835 0.152407705 0.312563864 5 0.298230909
6 0.022246131 0.067276311 0.136152858 0.278614802 6 0.266953574
7 0.020435805 0.061754924 0.124842438 0.254947243 7 0.245229658
8 0.019121454 0.057742755 0.116613544 0.237689892 8 0.229457449
9 0.018136188 0.054732201 0.110430413 0.22469051 9 0.217634255
10 0.017379765 0.052418389 0.105670974 0.214656597 10 0.208557182
11 0.016788321 0.05060708 0.101938923 0.206764792 11 0.201459851
12 0.016319229 0.049168638 0.098969755 0.200465582 12 0.195830753
13 0.015942953 0.048013223 0.096580165 0.195378139 13 0.191315434
14 0.015638383 0.04707663 0.094639136 0.191230218 14 0.187660593
15 0.015390043 0.046311778 0.093050575 0.187822095 15 0.184680515
16 0.015186341 0.045683393 0.091742466 0.18500401 16 0.182236088
17 0.015018434 0.04516456 0.090659836 0.182661569 17 0.180221206
18 0.014879473 0.044734422 0.089760062 0.180705995 18 0.178553681
19 0.014764085 0.044376607 0.089009656 0.179067452 19 0.177169024
20 0.014668005 0.044078112 0.088382006 0.177690359 20 0.176016066
21 0.014587818 0.043828518 0.087855757 0.176530035 21 0.175053821
22 0.014520767 0.043619402 0.08741363 0.175550249 22 0.174249199
23 0.014464608 0.043443911 0.087041543 0.174721405 23 0.173575298
24 0.01441751 0.043296434 0.086727952 0.17401917 24 0.17301012
25 0.014377966 0.043172356 0.08646334 0.173423428 25 0.17253559
26 0.014344733 0.043067862 0.086239828 0.17291747 26 0.172136791
27 0.014316781 0.042979788 0.086050871 0.172487362 27 0.17180137
28 0.014293256 0.042905503 0.08589101 0.17212144 28 0.171519067
29 0.014273445 0.042842811 0.08575568 0.171809915 29 0.171281334
30 0.014256753 0.042789877 0.085641059 0.171544547 30 0.171081041

ra
pentru ra = 18
[1 + ra ]h 1 1 (1 + ra )
h

1 1.015 3.089559847 6.311230205 13.14042789 1

2 0.511277916 1.556112454 3.178276683 6.615524278 2
3 0.34338296 1.045 2.134030651 4.440694326 3
4 0.259444786 0.789471278 1.611961486 3.353382779 4
5 0.209089323 0.636176046 1.298763061 2.701078582 5
6 0.175525215 0.533997555 1.09 2.266278049 6
7 0.151556165 0.461028627 0.940914283 1.955765311 7
8 0.133584025 0.406315671 0.829126898 1.722932433 8
9 0.119609823 0.36377336 0.742205061 1.541886114 9
10 0.108434178 0.329750496 0.672689099 1.397090374 10
11 0.099293844 0.30192359 0.615831949 1.278658678 11 Constanta
1 0.091679993 0.278743648 0.5684689 1.18 1 1.100159915
2 0.049924102 0.151609653 0.308668662 0.638715596 2 0.599089224
3 0.036152396 0.109666189 0.222919783 0.459923861 3 0.433828746
4 0.029375 0.089015369 0.180674378 0.371738671 4 0.352499995
5 0.025393427 0.076876144 0.15582009 0.319777842 5 0.304721129
6 0.022807791 0.06898703 0.139650658 0.285910129 6 0.273693493
7 0.021017838 0.063520805 0.128433173 0.262361999 7 0.252214056
8 0.019723214 0.059563196 0.12029991 0.245244359 8 0.236678569
9 0.018756888 0.05660578 0.114212291 0.232394824 9 0.225082653
10 0.01801852 0.054343147 0.109546475 0.222514641 10 0.216222239
11 0.017444179 0.052580706 0.105904993 0.214776386 11 0.209330144
12 0.016991195 0.051188582 0.103022561 0.208627809 12 0.203894343
13 0.016630009 0.050076792 0.10071536 0.203686207 13 0.199560103
14 0.016339503 0.049181052 0.098852047 0.199678058 14 0.196074038
15 0.01610421 0.048454256 0.097336351 0.196402783 15 0.193250525
16 0.015912557 0.047861149 0.096096186 0.193710084 16 0.19095068
17 0.015755729 0.047374873 0.095076597 0.191485271 17 0.189068744
18 0.015626914 0.046974652 0.09423505 0.189639457 18 0.18752297
19 0.015520782 0.046644219 0.093538198 0.188102839 19 0.186249384
20 0.015433115 0.046370694 0.092959609 0.186819981 20 0.185197383
21 0.015360549 0.046143786 0.092478142 0.185746433 21 0.184326586
22 0.015300377 0.045955215 0.092076749 0.184846258 22 0.183604527
23 0.015250411 0.045798271 0.091741596 0.1840902 23 0.183004935
24 0.01520887 0.045667488 0.091461389 0.183454297 24 0.182506444
25 0.015174299 0.045558392 0.091226868 0.182918826 25 0.182091593
26 0.015145505 0.04546731 0.091030406 0.182467478 26 0.181746063
27 0.015121506 0.045391212 0.090865703 0.182086719 27 0.181458071
28 0.015101491 0.045327596 0.090727537 0.181765285 28 0.181217898
29 0.015084792 0.045274387 0.090611571 0.181493769 29 0.181017508
30 0.015070854 0.045229864 0.090514194 0.181264306 30 0.180850245

ra
pentru ra = 19
[1 + ra ]h 1 1 (1 + ra )
h

1 1.015833333 3.094510174 6.328309504 13.20219505 1

2 0.511906091 1.559221931 3.188084367 6.648941801 2
3 0.34394416 1.0475 2.141422477 4.464677053 3
4 0.259973556 0.791669643 1.618151392 3.372659418 4
5 0.209599482 0.638195911 1.304236622 2.717540614 5
6 0.17602367 0.535900488 1.095 2.280871211 6
7 0.152046864 0.462849808 0.945579455 1.969030023 7
8 0.134069436 0.408077088 0.833543949 1.735206453 8
9 0.12009159 0.365489669 0.746431793 1.553394613 9
10 0.108913451 0.331431957 0.676765973 1.407990967 10
11 0.09977146 0.303577662 0.619788388 1.28906599 11 Constanta
1 0.092156578 0.280375925 0.572326969 1.19 1 1.105878939
2 0.050408617 0.15316196 0.312063002 0.646621005 2 0.604903406
3 0.03665602 0.111240186 0.226253283 0.467307895 3 0.43987224
4 0.029900118 0.090635309 0.184045608 0.378990938 4 0.358801419
5 0.025940551 0.078550467 0.159266152 0.327050167 5 0.311286614
6 0.023376723 0.070718669 0.143187714 0.293274292 6 0.280520676
7 0.021608019 0.065310162 0.132068092 0.269854902 7 0.259296228
8 0.020333865 0.061409294 0.124034696 0.25288506 8 0.244006379
9 0.019387083 0.058506804 0.118046104 0.240192202 9 0.232644996
10 0.018667236 0.056296745 0.113476695 0.230471309 10 0.224006826
11 0.018110326 0.054584176 0.109927844 0.2228909 11 0.21732391
12 0.017673648 0.053239002 0.107133511 0.216896022 12 0.212083772
13 0.017327625 0.052171114 0.104909399 0.212102153 13 0.207931499
14 0.017051146 0.051316177 0.103123888 0.208234563 14 0.204613748
15 0.01682876 0.050627095 0.101680584 0.205091906 15 0.201945124
16 0.016648927 0.050068668 0.100507395 0.202523448 16 0.199787128
17 0.016502875 0.049614128 0.099549449 0.200414307 17 0.198034505
18 0.016383842 0.04924282 0.098764367 0.198675594 18 0.196606109
19 0.016286553 0.048938617 0.098119009 0.19723765 19 0.195438631
20 0.016206849 0.048688794 0.097587188 0.196045291 20 0.194482182
21 0.016141427 0.048483225 0.097148033 0.195054399 21 0.193697118
22 0.016087643 0.048313798 0.096784785 0.19422943 22 0.193051718
23 0.016043371 0.048173972 0.096483903 0.193541556 23 0.19252045
24 0.016006889 0.048058448 0.096234391 0.192967267 24 0.192082667
25 0.0159768 0.047962916 0.09602728 0.192487299 25 0.191721604
26 0.015951967 0.047883857 0.095855227 0.192085808 26 0.1914236
27 0.015931458 0.04781839 0.095712205 0.191749713 27 0.191177497
28 0.015914513 0.04776415 0.095593248 0.191468188 28 0.190974155
29 0.015900506 0.047719192 0.095494263 0.191232251 29 0.190806077
30 0.015888925 0.047681916 0.095411865 0.191034434 30 0.190667099

ra
pentru ra = 20
[1 + ra ]h 1 1 (1 + ra )
h
% (plile constante pentru rambursarea creditului)

1 1.016666667 3.099457911 6.345367587 13.2638091 1

2 0.512534435 1.562330599 3.197882352 6.682284378 2
3 0.344505661 1.05 2.148808848 4.488611605 3
4 0.26050275 0.793868574 1.624338268 3.391901804 4
5 0.210110182 0.640216813 1.309708849 2.733977175 5
6 0.176522784 0.537804878 1.1 2.295445115 6
7 0.152538338 0.464672839 0.950245752 1.982280219 7
8 0.134555736 0.409840728 0.837963119 1.747469781 8
9 0.12057436 0.367208565 0.750661551 1.564895629 9
10 0.10939384 0.333116357 0.680846717 1.418886858 10
11 0.100250305 0.305235021 0.623749498 1.29947107 11 Constanta
1 0.092634506 0.282011833 0.576190476 1.2 1 1.111614071
2 0.050895803 0.154721814 0.315470804 0.654545455 2 0.610749632
3 0.037163583 0.11282541 0.22960738 0.474725275 3 0.445963
4 0.030430362 0.092269908 0.187444018 0.386289121 4 0.365164348
5 0.026493884 0.080242587 0.162745395 0.334379703 5 0.317926605
6 0.023952826 0.072470901 0.146763315 0.300705746 6 0.287433913
7 0.022206199 0.06712253 0.135746223 0.277423926 7 0.266474391
8 0.0209532 0.063280419 0.127816621 0.260609422 8 0.251438404
9 0.020026502 0.060434457 0.121930222 0.248079462 9 0.24031802
10 0.019325567 0.058278161 0.117459625 0.238522757 10 0.231906807
11 0.01878634 0.056616251 0.114005063 0.231103794 11 0.225436085
12 0.018366085 0.055318431 0.111299776 0.225264965 12 0.220393025
13 0.018035222 0.054294497 0.109159039 0.220620001 13 0.216422661
14 0.017772654 0.053480098 0.107451013 0.216893055 14 0.213271845
15 0.017562965 0.052828185 0.106079248 0.21388212 15 0.21075558
16 0.017394661 0.052303652 0.104971717 0.211436135 16 0.208735926
17 0.017259026 0.051879864 0.104073706 0.209440147 17 0.207108308
18 0.017149363 0.051536328 0.103343064 0.207805386 18 0.205792352
19 0.017060465 0.051257093 0.102746925 0.206462453 19 0.204725577
20 0.016988246 0.051029623 0.102259414 0.205356531 20 0.203858953
21 0.016929476 0.050843992 0.101859991 0.204443939 21 0.203153708
22 0.016881582 0.050692283 0.101532237 0.203689619 22 0.20257898
23 0.016842507 0.050568148 0.101262953 0.203065258 23 0.202110079
24 0.016810596 0.050466477 0.10104148 0.202547873 24 0.201727158
25 0.016784518 0.050383138 0.100859174 0.202118729 25 0.201414213
26 0.016763191 0.050314781 0.100709004 0.201762496 26 0.201158296
27 0.016745742 0.050258682 0.100585234 0.201466592 27 0.200948908
28 0.01673146 0.050212624 0.100483173 0.201220668 28 0.200777518
29 0.016719765 0.050174794 0.100398982 0.20101619 29 0.200637183
30 0.016710187 0.050143715 0.100329509 0.200846108 30 0.200522242

ra
pentru ra = 21
[1 + ra ]h 1 1 (1 + ra )
h
% (plile constante pentru rambursarea creditului)

1 1.0175 3.104403066 6.362404598 13.32527193 1

2 0.513162949 1.565438461 3.207670706 6.71555294 2
3 0.345067464 1.0525 2.156189802 4.512498581 3
4 0.261032367 0.79606807 1.630522136 3.411110364 4
5 0.210621425 0.642238746 1.315179753 2.750388583 5
6 0.177022557 0.539710719 1.105 2.31 6
7 0.153030586 0.466497711 0.954913166 1.995516079 7
8 0.135042923 0.411606584 0.842384392 1.759722549 8
9 0.121058131 0.368930036 0.754894313 1.576389257 9
10 0.109875344 0.334803687 0.684931305 1.429778106 10
11 0.100730378 0.306895657 0.627715246 1.309873945 11 Constanta
1 0.093113774 0.283651358 0.580059382 1.21 1 1.117365285
2 0.051385651 0.156289177 0.318891956 0.662488688 2 0.616627812
3 0.037675067 0.114421784 0.232981875 0.482175499 3 0.452100808
4 0.030965695 0.09391903 0.190869276 0.393632437 4 0.37158834
5 0.02705336 0.081952283 0.166257321 0.341765329 5 0.324640318
6 0.024535996 0.074243392 0.150376746 0.308202962 6 0.294431957
7 0.022812226 0.068957436 0.139466587 0.285067069 7 0.273746716
8 0.02158101 0.065175932 0.1316444 0.268414903 8 0.258972118
9 0.020674867 0.062387915 0.125863018 0.256053467 9 0.24809841
10 0.019993167 0.060286368 0.121493265 0.246665212 10 0.23991801
11 0.0194718 0.058675692 0.118134265 0.239410632 11 0.233661605
12 0.019068011 0.057425419 0.115518581 0.23372953 12 0.228816137
13 0.018752229 0.056445284 0.11346112 0.229233981 13 0.225026746
14 0.018503388 0.055670961 0.111829897 0.225647128 14 0.22204066
15 0.018306123 0.055055491 0.110528482 0.222766421 15 0.219673472
16 0.018149 0.05456391 0.109484992 0.220440605 16 0.217787996
17 0.018023377 0.054169759 0.108644954 0.218554783 17 0.216280528
18 0.017922637 0.053852746 0.107966519 0.217020434 18 0.215071646
19 0.017841655 0.053597139 0.10741717 0.215768542 19 0.214099861
20 0.017776429 0.053390629 0.106971408 0.21474477 20 0.213317153
21 0.017723812 0.053223514 0.106609083 0.213905981 21 0.212685747
22 0.017681313 0.053088101 0.106314168 0.213217697 22 0.212175752
23 0.01764695 0.05297826 0.10607385 0.212652201 23 0.211763403
24 0.017619144 0.052889085 0.105877841 0.212187107 24 0.211429729
25 0.017596628 0.052816636 0.105717851 0.211804265 25 0.211159539
26 0.017578386 0.052757743 0.105587182 0.211488908 26 0.210940637
27 0.017563601 0.052709848 0.105480406 0.21122899 27 0.210763209
28 0.017551612 0.052670881 0.10539312 0.211014664 28 0.210619347
29 0.017541889 0.05263917 0.105321741 0.210837863 29 0.210502667
30 0.017534001 0.052613356 0.105263354 0.210691969 30 0.210408011

ra
pentru ra = 22%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.018333333 3.109345648 6.379420679 13.38658541 1
2 0.513791632 1.568545518 3.217449492 6.748748396 2
3 0.345629566 1.055 2.163565375 4.536338567 3
4 0.261562407 0.798268128 1.636703014 3.430285514 4
5 0.211133208 0.644261708 1.320649342 2.766775149 5
6 0.177522986 0.541618005 1.11 2.324536102 6
7 0.153523605 0.468324418 0.959581688 2.008737782 7
8 0.135530997 0.413374646 0.846807755 1.77196489 8
9 0.121542902 0.370654075 0.759130058 1.587875588 9
10 0.110357961 0.336493935 0.68901971 1.440664771 10
11 0.101211676 0.308559555 0.631685599 1.320274642 11 Constanta
1 0.09359438 0.285294485 0.583933649 1.22 1 1.123132556
2 0.051878155 0.157864012 0.322326352 0.67045045 2 0.622537856
3 0.038190453 0.116029231 0.236376564 0.489658074 3 0.458285438
4 0.031506078 0.095582538 0.194321054 0.401020114 4 0.378072934
5 0.027618912 0.08367933 0.169801427 0.349205935 5 0.331426944
6 0.025126127 0.076035804 0.154027286 0.315764428 6 0.301513529
7 0.023425944 0.0708144 0.143228202 0.292782351 7 0.281111328
8 0.022217079 0.067095189 0.135516747 0.276298998 8 0.266604952
9 0.021331901 0.064366349 0.12984287 0.264111135 9 0.255982816
10 0.020669688 0.062320343 0.125575637 0.254894982 10 0.248036254
11 0.020166286 0.060761276 0.122313101 0.247807093 11 0.24199543
12 0.019778935 0.059558542 0.119787211 0.242284769 12 0.237347222
13 0.019478088 0.05862186 0.117812575 0.237938536 13 0.233737061
14 0.01924273 0.057886976 0.116257145 0.234490651 14 0.230912762
15 0.01905756 0.057307069 0.115024598 0.231738162 15 0.22869072
16 0.018911226 0.056847366 0.114043285 0.229529754 16 0.226934715
17 0.018795177 0.056481631 0.113259055 0.227750731 17 0.225542119
18 0.018702887 0.056189818 0.112630441 0.226312952 18 0.224434642
19 0.01862933 0.055956452 0.112125351 0.225147912 19 0.223551956
20 0.018570599 0.055769484 0.111718727 0.22420187 20 0.222847192
21 0.018523641 0.05561947 0.111390863 0.223432334 21 0.222283693
22 0.018486053 0.055498963 0.111126173 0.222805496 22 0.221832635
23 0.018455938 0.055402068 0.110912268 0.222294311 23 0.221471257
24 0.018431793 0.055324099 0.110739262 0.221877053 24 0.221181518
25 0.018412424 0.055261322 0.110599243 0.221536204 25 0.220949083
26 0.018396878 0.05521075 0.110485861 0.2212576 26 0.220762532
27 0.018384396 0.055169995 0.110394008 0.221029758 27 0.22061275
28 0.018374371 0.055137141 0.11031957 0.220843352 28 0.220492456
29 0.018366318 0.05511065 0.110259228 0.220690795 29 0.22039582
30 0.018359848 0.055089284 0.110210302 0.220565905 30 0.220318174

ra
pentru ra = 23%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.019166667 3.114285666 6.396415971 13.44775136 1
2 0.514420484 1.571651775 3.227218775 6.781871639 2
3 0.34619197 1.0575 2.170935604 4.560132137 3
4 0.262092869 0.800468747 1.642880925 3.449427664 4
5 0.211645531 0.646285694 1.326117626 2.783137176 5
6 0.178024071 0.543526731 1.115 2.339053651 6
7 0.154017396 0.470152954 0.964251312 2.021945502 7
8 0.136019956 0.415144907 0.851233193 1.784196931 8
9 0.122028671 0.37238067 0.763368766 1.599354713 9
10 0.11084169 0.33818709 0.693111904 1.451546909 10
11 0.101694199 0.310226703 0.635660526 1.33067319 11 Constanta
1 0.094076321 0.286941202 0.587813239 1.23 1 1.128915856
2 0.052373306 0.15944628 0.325773881 0.678430493 2 0.628479672
3 0.038709722 0.117647673 0.239791245 0.497172513 3 0.464516659
4 0.032051472 0.09726029 0.19779902 0.408451388 4 0.384617659
5 0.028190471 0.085423499 0.17337721 0.356700424 5 0.338285653
6 0.025723109 0.077847791 0.157714215 0.323388652 6 0.308677313
7 0.024047193 0.072692935 0.147030083 0.30056782 7 0.288566317
8 0.022861192 0.069037542 0.139432379 0.284259239 8 0.2743343
9 0.021997322 0.066368931 0.133868167 0.272249444 9 0.263967867
10 0.02135478 0.064379069 0.129704784 0.263208459 10 0.256257358
11 0.020869381 0.062871793 0.126539267 0.256288978 11 0.250432568
12 0.020498375 0.061716408 0.124103021 0.2509259 12 0.245980497
13 0.020212258 0.06082266 0.12221044 0.246728329 13 0.242547094
14 0.019990082 0.060126421 0.120729505 0.243417782 14 0.239880988
15 0.019816635 0.059581065 0.119564096 0.240791049 15 0.237799615
16 0.019680662 0.05915206 0.118642889 0.238696911 16 0.236167944
17 0.019573719 0.058813442 0.117912145 0.237021016 17 0.234884629
18 0.019489392 0.058545457 0.117330865 0.235675745 18 0.233872701
19 0.019422763 0.058332924 0.116867448 0.234593232 19 0.233073153
20 0.019370033 0.058164087 0.116497343 0.233720441 20 0.2324404
21 0.019328251 0.058029785 0.116201342 0.233015628 21 0.231939013
22 0.01929511 0.057922841 0.11596434 0.232445733 22 0.23154132
23 0.019268802 0.05783761 0.115774406 0.231984455 23 0.231225625
24 0.019247905 0.05776964 0.115622081 0.231610779 24 0.230974864
25 0.019231298 0.057715404 0.115499848 0.231307864 25 0.23077558
26 0.019218095 0.05767211 0.115401716 0.231062175 26 0.230617143
27 0.019207595 0.057637539 0.115322903 0.230862812 27 0.230491141
28 0.019199242 0.057609925 0.115259588 0.230700981 28 0.230390908
29 0.019192597 0.057587863 0.11520871 0.230569579 29 0.230311158
30 0.019187308 0.057570235 0.115167818 0.230462858 30 0.230247696

ra
pentru ra = 24%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.02 3.11922313 6.413390614 13.50877156 1

2 0.515049505 1.574757233 3.23697862 6.814923543 2
3 0.346754673 1.06 2.178300524 4.583879852 3
4 0.262623753 0.802669924 1.649055886 3.468537213 4
5 0.212158394 0.648310701 1.331584612 2.799474963 5
6 0.178525812 0.545436893 1.12 2.353552873 6
7 0.154511956 0.471983311 0.968922031 2.035139409 7
8 0.136509799 0.416917358 0.855660691 1.796418799 8
9 0.122515437 0.374109813 0.767610416 1.610826721 9
10 0.111326528 0.33988314 0.697207863 1.462424575 10
11 0.102177943 0.311897089 0.639639993 1.341069614 11 Constanta
1 0.094559597 0.288591492 0.591698113 1.24 1 1.134715159
2 0.052871097 0.161035943 0.329234436 0.686428571 2 0.634453167
3 0.039232853 0.119277029 0.243225718 0.50471834 3 0.470794231
4 0.032601836 0.098952144 0.201302841 0.415925509 4 0.391222027
5 0.028767966 0.087184557 0.176984164 0.364247715 5 0.34521559
6 0.026326831 0.079679005 0.161436808 0.33107416 6 0.315921969
7 0.024675812 0.074592552 0.150871246 0.308421552 7 0.296109741
8 0.023513127 0.071002337 0.143390018 0.292293202 8 0.28215753
9 0.022670848 0.068394835 0.137937311 0.280465431 9 0.27205018
10 0.022048097 0.066461536 0.13387878 0.271602127 10 0.264577163
11 0.021580674 0.065006057 0.130810509 0.264852213 11 0.258968089
12 0.021225859 0.063897655 0.128463442 0.259648314 12 0.254710309
13 0.020954211 0.063046167 0.126651858 0.255598254 13 0.251450535
14 0.020744872 0.062387647 0.125243869 0.252422965 14 0.248938469
15 0.020582736 0.061875722 0.124143658 0.249919145 15 0.246992838
16 0.020456669 0.061476153 0.123280326 0.24793583 16 0.245480033
17 0.02035835 0.061163301 0.122600638 0.246359165 17 0.244300201
18 0.02028149 0.060917744 0.122064141 0.245102193 18 0.243377878
19 0.020221294 0.060724635 0.1216398 0.24409781 19 0.242655529
20 0.020174081 0.060572541 0.121303626 0.243293801 20 0.242088978
21 0.02013701 0.060452608 0.121036958 0.242649254 21 0.241644118
22 0.020107875 0.060357947 0.12082521 0.24213194 22 0.2412945
23 0.020084962 0.060283176 0.120656936 0.241716356 23 0.241019541
24 0.020066932 0.060224082 0.120523125 0.241382245 24 0.24080318
25 0.020052738 0.060177356 0.120416663 0.241113472 25 0.240632854
26 0.02004156 0.060140397 0.120331928 0.240897156 26 0.240498723
27 0.020032756 0.060111153 0.120264462 0.24072299 27 0.240393067
28 0.020025819 0.06008801 0.120210734 0.240582716 28 0.240309823
29 0.020020352 0.060069691 0.120167936 0.240469712 29 0.240244227
30 0.020016044 0.060055188 0.120133839 0.240378656 30 0.24019253

ra
pentru ra = 25%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.020833333 3.124158049 6.430344745 13.56964775 1

2 0.515678694 1.577861896 3.246729089 6.847904963 2
3 0.347317675 1.0625 2.185660172 4.607582263 3
4 0.263155057 0.804871658 1.655227919 3.487614553 4
5 0.212671796 0.650336726 1.33705031 2.815788802 5
6 0.179028208 0.547348485 1.125 2.368033989 6
7 0.155007286 0.473815483 0.973593835 2.04831967 7
8 0.137000525 0.418691992 0.860090236 1.808630618 8
9 0.123003199 0.375841493 0.771854988 1.622291697 9
10 0.111812474 0.341582075 0.701307558 1.473297825 10
11 0.102662907 0.3135707 0.64362397 1.35146394 11 Constanta
1 0.095044203 0.290245343 0.595588235 1.25 1 1.140530439
2 0.05337152 0.162632961 0.332707911 0.694444444 2 0.640458244
3 0.039759826 0.120917221 0.246679781 0.512295082 3 0.477117911
4 0.033157128 0.100657954 0.204832186 0.423441734 4 0.397885539
5 0.029351323 0.088962269 0.180621782 0.37184674 5 0.352215881
6 0.026937177 0.081529093 0.165194339 0.338819499 6 0.323246126
7 0.025311636 0.076512756 0.15475071 0.316341653 7 0.303739631
8 0.024172666 0.072988924 0.147388393 0.300398506 8 0.290071989
9 0.023352198 0.070443237 0.142048726 0.288756201 9 0.28022637
10 0.022749295 0.068566749 0.138095733 0.280072562 10 0.27299154
11 0.022299762 0.0671629 0.135124627 0.273492858 11 0.267597146
12 0.021960929 0.066100964 0.132865988 0.268447577 12 0.263531147
13 0.021703441 0.065290924 0.131134088 0.264543429 13 0.260441296
14 0.021506554 0.064669083 0.129797279 0.261500933 14 0.258078645
15 0.021355289 0.064189378 0.128760156 0.259116864 15 0.25626347
16 0.021238653 0.063817925 0.127952348 0.257240681 16 0.25486383
17 0.021148464 0.063529455 0.127321213 0.255759185 17 0.25378157
18 0.021078576 0.063304922 0.126826925 0.254586218 18 0.252942907
19 0.021024327 0.063129847 0.126439082 0.253655562 19 0.252291919
20 0.020982162 0.062993149 0.126134312 0.252915922 20 0.25178595
21 0.020949358 0.0628863 0.125894542 0.252327309 21 0.251392296
22 0.020923815 0.062802714 0.125705739 0.251858387 22 0.251085785
23 0.020903915 0.062737281 0.125556961 0.251484502 23 0.250846978
24 0.020888403 0.062686034 0.125439657 0.251186193 24 0.250660833
25 0.020876307 0.062645881 0.125347127 0.250948055 25 0.250515682
26 0.020866872 0.06261441 0.125274113 0.250757869 26 0.250402465
27 0.020859511 0.062589738 0.125216484 0.250605928 27 0.250314135
28 0.020853768 0.062570393 0.125170987 0.250484508 28 0.25024521
29 0.020849285 0.062555221 0.125135062 0.250387456 29 0.25019142
30 0.020845786 0.062543322 0.125106691 0.250309869 30 0.250149436

ra
pentru ra = 26%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.021666667 3.129090431 6.4472785 13.63038166 1
2 0.516308052 1.580965766 3.256470245 6.880816738 2
3 0.347880977 1.065 2.193014581 4.631239911 3
4 0.263686782 0.807073946 1.661397043 3.506660069 4
5 0.213185735 0.652363764 1.342514729 2.832078978 5
6 0.179531257 0.549261501 1.13 2.382497216 6
7 0.155503383 0.475649463 0.978266719 2.06148645 7
8 0.137492131 0.4204688 0.864521814 1.820832507 8
9 0.123491955 0.377575702 0.776102462 1.633749728 9
10 0.112299526 0.343283884 0.705410966 1.484166711 10
11 0.103149089 0.315247524 0.647612425 1.361856194 11 Constanta
1 0.095530139 0.29190274 0.599483568 1.26 1 1.146361668
2 0.053874567 0.164237297 0.336194197 0.702477876 2 0.646494804
3 0.040290621 0.122568166 0.250153232 0.519902277 3 0.483487447
4 0.033717307 0.102377574 0.20838672 0.430999334 4 0.404607683
5 0.029940469 0.090756395 0.184289556 0.379496445 5 0.359285631
6 0.027554033 0.083397698 0.168986085 0.346623235 6 0.330648391
7 0.025954499 0.078453052 0.158667496 0.324326259 7 0.311453992
8 0.024839584 0.074996648 0.151426244 0.308572819 8 0.298075012
9 0.024041089 0.07251332 0.146200855 0.297118927 9 0.288493065
10 0.023458034 0.070693726 0.142353788 0.288616441 10 0.281496411
11 0.023026249 0.069341187 0.139479481 0.282207105 11 0.276314992
12 0.022703139 0.068325055 0.137308261 0.277319437 12 0.272437666
13 0.022459461 0.067555532 0.135654506 0.273559206 13 0.269513528
14 0.022274606 0.066969234 0.134386929 0.270646702 14 0.267295274
15 0.02213375 0.066520474 0.13341065 0.268378963 15 0.265605004
16 0.022026056 0.066175775 0.132655929 0.266606041 16 0.264312677
17 0.021943504 0.06591029 0.132070808 0.265215545 17 0.263322045
18 0.021880097 0.06570539 0.131616163 0.264122258 18 0.262561168
19 0.021831322 0.065546994 0.13126229 0.263260965 19 0.261975869
20 0.021793759 0.065424396 0.130986481 0.262581387 20 0.261525104
21 0.021764803 0.065329414 0.13077129 0.262044531 21 0.261177637
22 0.021742467 0.065255772 0.130603257 0.261620015 22 0.260909609
23 0.021725229 0.065198644 0.130471964 0.261284075 23 0.260702748
24 0.021711919 0.065154305 0.130369326 0.26101807 24 0.260543029
25 0.021701639 0.065119882 0.130289059 0.260807339 25 0.260419669
26 0.021693697 0.065093149 0.130226266 0.260640335 26 0.260324367
27 0.021687561 0.065072383 0.130177133 0.260507944 27 0.260250728
28 0.021682818 0.065056251 0.13013868 0.260402968 28 0.26019382
29 0.021679153 0.065043717 0.130108582 0.260319714 29 0.260149835
30 0.02167632 0.065033977 0.13008502 0.260253677 30 0.260115837

ra
pentru ra = 27%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.0225 3.134020285 6.464192014 13.69097495 1
2 0.516937577 1.584068846 3.266202148 6.91365969 2
3 0.348444577 1.0675 2.200363788 4.654853323 3
4 0.264218928 0.809276787 1.667563277 3.525674137 4
5 0.213700213 0.654391812 1.347977877 2.848345773 5
6 0.180034958 0.551175937 1.135 2.396942767 6
7 0.156000247 0.477485245 0.982940675 2.074639909 7
8 0.137984618 0.422247773 0.86895541 1.833024587 8
9 0.123981704 0.379312429 0.780352818 1.645200896 9
10 0.112787683 0.344988555 0.709518059 1.495031286 10
11 0.103636487 0.316927547 0.651605326 1.372246402 11 Constanta
1 0.096017402 0.29356367 0.603384075 1.27 1 1.152208819
2 0.054380229 0.165848911 0.33969319 0.710528634 2 0.652562747
3 0.040825215 0.124229783 0.25364587 0.527539468 3 0.489902581
4 0.034282328 0.104110855 0.21196611 0.438597587 4 0.411387934
5 0.030535327 0.092566696 0.187986978 0.387195794 5 0.36642393
6 0.028177279 0.085284461 0.172811321 0.35448396 6 0.338127351
7 0.026604234 0.080412942 0.16262063 0.332373541 7 0.319250814
8 0.025513661 0.077024861 0.155502324 0.316813854 8 0.30616393
9 0.024737243 0.074604277 0.150392165 0.305550852 9 0.296846912
10 0.02417398 0.072841504 0.146651134 0.297230538 10 0.290087755
11 0.023759749 0.07153981 0.143872997 0.290991286 11 0.285116989
12 0.023452058 0.070568695 0.14178795 0.28625982 12 0.281424695
13 0.023221803 0.069838654 0.140210609 0.282641163 13 0.278661633
14 0.023048537 0.069286686 0.139010167 0.279855573 14 0.276582448
15 0.022917611 0.068867545 0.138092387 0.277700535 15 0.275011337
16 0.022818367 0.068548218 0.137388263 0.27602687 16 0.273820401
17 0.022742958 0.068304326 0.136846608 0.274723153 17 0.27291549
18 0.022685555 0.068117692 0.136429078 0.273705238 18 0.272226662
19 0.0226418 0.067974666 0.136106718 0.272909023 19 0.271701594
20 0.022608411 0.067864934 0.13585753 0.272285335 20 0.271300934
21 0.022582913 0.067780675 0.135664723 0.271796244 21 0.27099496
22 0.022563429 0.067715932 0.135515431 0.271412368 22 0.270761151
23 0.022548534 0.06766616 0.135399768 0.271110865 23 0.270582404
24 0.022537142 0.067627882 0.135310119 0.270873933 24 0.270445702
25 0.022528427 0.067598435 0.13524061 0.270687663 25 0.270341128
26 0.022521759 0.067575776 0.135186702 0.270541174 26 0.270261113
27 0.022516657 0.067558337 0.135144885 0.270425939 27 0.270199881
28 0.022512751 0.067544915 0.135112442 0.270335273 28 0.270153015
29 0.022509762 0.067534582 0.135087268 0.270263925 29 0.270117143
30 0.022507474 0.067526627 0.135067733 0.270207772 30 0.270089684

ra
pentru ra = 28%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.023333333 3.138947621 6.48108542 13.75142928 1

2 0.517567271 1.58717114 3.275924861 6.946434624 2
3 0.349008476 1.07 2.207707825 4.678423019 3
4 0.264751492 0.811480179 1.67372664 3.544657126 4
5 0.214215226 0.656420866 1.353439762 2.864589461 5
6 0.180539312 0.553091787 1.14 2.41137085 6
7 0.156497877 0.479322822 0.987615695 2.087780205 7
8 0.138477984 0.424028905 0.873391012 1.845206973 8
9 0.124472444 0.381051666 0.784606036 1.656645283 9
10 0.113276943 0.346696077 0.713628814 1.505891603 10
11 0.104125099 0.318610758 0.655602643 1.382634588 11 Constanta
1 0.096505989 0.295228117 0.60728972 1.28 1 1.158071863
2 0.054888498 0.167467762 0.343204783 0.718596491 2 0.658661971
3 0.041363588 0.125901989 0.257157496 0.535206207 3 0.496363052
4 0.034852147 0.105857648 0.215570024 0.446235784 4 0.418225758
5 0.031135821 0.094392926 0.191713541 0.394943763 5 0.373629848
6 0.028806798 0.087189021 0.176669327 0.362400285 6 0.345681571
7 0.027260673 0.082391928 0.166609145 0.3404817 7 0.327128072
8 0.026194673 0.079072915 0.1596154 0.325119377 8 0.314336074
9 0.025440382 0.07671531 0.154621152 0.314049293 9 0.305284585
10 0.024896802 0.075009139 0.150986002 0.305911732 10 0.298761619
11 0.024499885 0.073757691 0.148303165 0.299841871 11 0.293998624
12 0.024207271 0.072830695 0.146302841 0.295264834 12 0.290487252
13 0.023990022 0.072139015 0.144800014 0.291785107 13 0.287880269
14 0.023827882 0.071620106 0.14366449 0.289123117 14 0.285934586
15 0.023706398 0.071229226 0.142802794 0.287076994 15 0.284476773
16 0.023615109 0.070933882 0.142146751 0.285498501 16 0.283381302
17 0.023546359 0.070710207 0.141646037 0.28427733 17 0.282556303
18 0.023494497 0.070540514 0.141263148 0.283330534 18 0.281933968
19 0.023455327 0.070411602 0.140969934 0.282595227 19 0.281463926
20 0.023425715 0.070313572 0.140745143 0.282023419 20 0.281108575
21 0.023403312 0.070238969 0.14057266 0.281578301 21 0.280839739
22 0.023386354 0.070182161 0.140440228 0.281231529 22 0.280636244
23 0.023373512 0.070138884 0.140338496 0.280961207 23 0.280482147
24 0.023363785 0.070105904 0.140260317 0.28075038 24 0.280365421
25 0.023356415 0.070080765 0.140200219 0.280585891 25 0.280276982
26 0.02335083 0.070061598 0.140154012 0.280457518 26 0.280209963
27 0.023346597 0.070046983 0.140118477 0.280357308 27 0.280159169
28 0.023343389 0.070035837 0.140091146 0.280279069 28 0.280120668
29 0.023340957 0.070027337 0.140070124 0.280217975 29 0.280091483
30 0.023339113 0.070020853 0.140053952 0.280170264 30 0.280069359

ra
pentru ra = 29%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.024166667 3.143872447 6.49795885 13.81174626 1

2 0.518197132 1.590272649 3.285638442 6.979142332 2
3 0.349572673 1.0725 2.215046728 4.701949506 3
4 0.265284476 0.813684119 1.679887152 3.563609398 4
5 0.214730776 0.658450923 1.358900393 2.880810313 5
6 0.181044316 0.555009047 1.145 2.425781669 6
7 0.156996271 0.481162187 0.992291773 2.100907491 7
8 0.138972227 0.425812187 0.877828605 1.85737978 8
9 0.124964173 0.382793402 0.788862097 1.668082969 9
10 0.113767303 0.348406441 0.717743203 1.516747711 10
11 0.104614922 0.320297144 0.659604346 1.393020775 11 Constanta
1 0.096995898 0.296896068 0.611200466 1.29 1 1.163950774
2 0.055399364 0.169093813 0.346728872 0.726681223 2 0.664792372
3 0.041905716 0.1275847 0.260687908 0.542902051 3 0.50286859
4 0.035426717 0.107617799 0.219198128 0.453913225 4 0.425120608
5 0.03174187 0.09623484 0.195468738 0.402739345 5 0.380902441
6 0.029442467 0.089111015 0.180559384 0.370370844 6 0.353309603
7 0.027923644 0.084389513 0.170632081 0.348648974 7 0.335083731
8 0.026882398 0.08114017 0.163764255 0.333487205 8 0.322588782
9 0.026150233 0.078845631 0.15888634 0.32261164 9 0.313802799
10 0.025626178 0.077195708 0.155356671 0.314657004 10 0.307514134
11 0.025246293 0.075993791 0.152768047 0.308755465 11 0.302955519
12 0.024968379 0.075109918 0.15085081 0.304330764 12 0.29962055
13 0.024763697 0.074455404 0.149420459 0.300987062 13 0.29716436
14 0.024612203 0.073968238 0.148347547 0.298445174 14 0.295346441
15 0.024499668 0.073604243 0.147539473 0.296504067 15 0.293996012
16 0.024415845 0.073331502 0.146928999 0.295016619 16 0.292990135
17 0.024353282 0.0731267 0.146466738 0.293873787 17 0.292239385
18 0.024306518 0.072972666 0.146116093 0.292993945 18 0.29167821
19 0.024271522 0.072856676 0.145849762 0.292315514 19 0.291258268
20 0.024245312 0.072769255 0.145647266 0.291791756 20 0.290943748
21 0.02422567 0.07270332 0.145493188 0.291387031 21 0.290708038
22 0.024210942 0.072653566 0.145375881 0.291074063 22 0.290531306
23 0.024199896 0.072616006 0.145286532 0.290831915 23 0.290398748
24 0.024191608 0.072587644 0.145218453 0.290644479 24 0.290299297
25 0.024185389 0.072566222 0.145166568 0.290499347 25 0.290224669
26 0.024180722 0.07255004 0.145127017 0.290386941 26 0.29016866
27 0.024177218 0.072537814 0.145096864 0.290299864 27 0.29012662
28 0.024174588 0.072528577 0.145073872 0.290232399 28 0.290095062
29 0.024172614 0.072521596 0.14505634 0.290180122 29 0.290071371
30 0.024171132 0.072516321 0.14504297 0.29013961 30 0.290053586

ra
pentru ra = 30%
[1 + ra ]h 1 1 (1 + ra )
h

1 1.025 3.148794772 6.514812433 13.87192746 1
2 0.51882716 1.593373377 3.295342953 7.011783586 2
3 0.350137167 1.075 2.222380529 4.725433283 3
4 0.265817878 0.815888605 1.686044831 3.582531308 4
5 0.215246861 0.660481979 1.364359778 2.897008591 5
6 0.181549971 0.556927711 1.15 2.440175425 6
7 0.15749543 0.483003334 0.996968902 2.11402192 7
8 0.139467346 0.427597611 0.882268177 1.869543119 8
9 0.12545689 0.384537628 0.793120982 1.679514033 9
10 0.114258763 0.350119634 0.721861204 1.52759966 10
11 0.105105956 0.321986692 0.663610403 1.403404987 11 Constanta
1 0.097487127 0.298567509 0.615116279 1.3 1 1.169845524
2 0.05591282 0.170727023 0.350265352 0.734782609 2 0.670953844
3 0.042451577 0.129277831 0.264236907 0.550626566 3 0.509418921
4 0.036005994 0.109391157 0.22285009 0.461629223 4 0.432071925
5 0.032353396 0.098092192 0.199252063 0.410581548 5 0.388240751
6 0.030084165 0.091050079 0.184480776 0.378394297 6 0.361009983
7 0.028592979 0.086405199 0.17468849 0.356873637 7 0.343115752
8 0.027576617 0.083225989 0.167947691 0.341915205 8 0.330919407
9 0.026866526 0.080994468 0.163186287 0.33123536 9 0.322398312
10 0.026361793 0.079400314 0.15976147 0.32346344 10 0.316341516
11 0.02599862 0.078247101 0.157265771 0.317728816 11 0.311983434
12 0.025735 0.077405272 0.15542983 0.31345407 12 0.308820005
13 0.025542424 0.076786676 0.154069806 0.310243274 13 0.306509091
14 0.025401091 0.076329905 0.153057131 0.307817841 14 0.304813093
15 0.025297012 0.075991418 0.152300198 0.305977775 15 0.30356414
16 0.025220174 0.075739917 0.151732801 0.304577241 16 0.302642087
17 0.025163343 0.075552681 0.151306566 0.303508601 17 0.301960113
18 0.025121251 0.075413083 0.150985857 0.302691659 18 0.301455015
19 0.025090045 0.075308889 0.150744257 0.302066229 19 0.301080541
20 0.025066892 0.075231057 0.150562085 0.301586885 20 0.300802701
21 0.025049704 0.075172882 0.150424629 0.301219192 21 0.300596444
22 0.025036939 0.075129379 0.150320859 0.300936962 22 0.300443264
23 0.025027456 0.075096837 0.150242489 0.300720221 23 0.300329466
24 0.025020409 0.075072488 0.150183284 0.300553709 24 0.300244908
25 0.025015172 0.075054266 0.150138548 0.300425749 25 0.300182064
26 0.02501128 0.075040627 0.150104739 0.300327392 26 0.300135354
27 0.025008386 0.075030417 0.150079184 0.300251776 27 0.300100632
28 0.025006235 0.075022774 0.150059867 0.300193637 28 0.300074819
29 0.025004636 0.075017052 0.150045263 0.300148929 29 0.300055628
30 0.025003447 0.075012768 0.150034223 0.300114548 30 0.300041361
ra
Factorii fondului de amortizare (reducere, economisire) de x % f ran = pt.ra=1 %
(1 + ra )h 1
(sume partiale economisite sau platite pentru a atinge o valoare la un moment dat

1 1 3.002498613 6.012487878 12.05490119 1
2 0.499791753 1.500624567 3.004994458 6.02495163 2
3 0.33305571 1 2.002496883 4.014968905 3
4 0.249687717 0.749687803 1.501248268 3.009977888 4
5 0.199666944 0.599500555 1.200499238 2.406983554 5
6 0.166319782 0.49937578 1 0.99503719 6
7 0.142500397 0.427858134 0.856786358 1.717847765 7
8 0.124635872 0.374219942 0.749376212 1.50249309 8
9 0.110741255 0.332501387 0.665835065 1.334995163 9
10 0.099625573 0.299126578 0.599002217 1.20099696 10
11 0.090530934 0.271819947 0.544320858 1.091362192 11
Anul h= Anul h=
1 0.082952078 0.249064451 0.498753117 1 1
2 0.041268747 0.123910346 0.248132793 0.497512438 2
3 0.027374766 0.082193699 0.164595456 0.330022111 3
4 0.020428123 0.061336415 0.122828865 0.246281094 4
5 0.016260414 0.048822877 0.097770573 0.1960398 5
6 0.013482173 0.040481212 0.08106643 0.162548367 6
7 0.011497914 0.034523474 0.069136086 0.138628283 7
8 0.010009892 0.03005569 0.060189367 0.120690292 8
9 0.008852697 0.02658121 0.053231731 0.106740363 9
10 0.007927079 0.023802041 0.047666452 0.095582077 10
11 0.007169881 0.021528553 0.043113797 0.086454076 11
12 0.006538999 0.019634327 0.03932061 0.078848789 12
13 0.006005282 0.01803184 0.036111629 0.07241482 13
14 0.005547909 0.016658576 0.033361666 0.066901172 14
15 0.005151612 0.015468691 0.030978918 0.06212378 15
16 0.004804938 0.014427801 0.028894532 0.057944597 16
17 0.004499131 0.013509613 0.027055856 0.054258055 17
18 0.00422738 0.012693676 0.025421937 0.050982048 18
19 0.003984307 0.011963845 0.023960446 0.048051754 19
20 0.00376561 0.011307206 0.022645519 0.045415315 20
21 0.003567807 0.0107133 0.021456216 0.043030752 21
22 0.003388049 0.010173574 0.020375409 0.040863718 22
23 0.003223983 0.009680961 0.019388944 0.03888584 23
24 0.003073646 0.009229572 0.018485029 0.037073472 24
25 0.002935391 0.008814459 0.017653758 0.035406753 25
26 0.002807825 0.008431437 0.016886749 0.033868878 26
27 0.002689758 0.00807694 0.016176861 0.032445529 27
28 0.002580175 0.007747912 0.015517974 0.031124436 28
29 0.002478196 0.007441718 0.014904811 0.02989502 29
30 0.002383062 0.007156074 0.014332802 0.028748113 30
ra
(1 + ra )h 1
1 1 3.004994458 6.02495163 12.1096067 1
2 0.49958368 1.501248268 3.009977888 6.049807476 2
3 0.332778395 1 2.004987562 4.029876234 3
4 0.249375867 0.749376212 1.50249309 3.019911989 4
5 0.199334444 0.599002217 1.20099696 2.413934542 5
6 0.165973571 0.498753117 1 0.990147543 6
7 0.142144443 0.427146815 0.856431138 1.721391245 7
8 0.124272655 0.373442262 0.748754837 1.504972497 8
9 0.110372426 0.331672208 0.66500691 1.336647414 9
10 0.09925229 0.298256304 0.598008845 1.201987899 10
11 0.090154038 0.270916144 0.543192497 1.091812431 11
Anul h= Anul h=
1 0.082572201 0.248132793 0.497512438 1 1
2 0.040873597 0.122828865 0.246281094 0.495049505 2
3 0.026975912 0.08106643 0.162548367 0.326754673 3
4 0.020028457 0.060189367 0.120690292 0.242623753 4
5 0.015861093 0.047666452 0.095582077 0.192158394 5
6 0.013083775 0.03932061 0.078848789 0.158525812 6
7 0.011100768 0.033361666 0.066901172 0.134511956 7
8 0.009614206 0.028894532 0.057944597 0.116509799 8
9 0.008458606 0.025421937 0.050982048 0.102515437 9
10 0.007534679 0.022645519 0.045415315 0.091326528 10
11 0.006779241 0.020375409 0.040863718 0.082177943 11
12 0.00615017 0.018485029 0.037073472 0.074559597 12
13 0.005618304 0.016886749 0.033868878 0.068118353 13
14 0.005162812 0.015517974 0.031124436 0.06260197 14
15 0.00476842 0.014332802 0.028748113 0.057825472 15
16 0.004423671 0.013296806 0.026670886 0.053650126 16
17 0.004119804 0.01238366 0.024839969 0.049969841 17
18 0.003850004 0.011572888 0.02321431 0.046702102 18
19 0.003608893 0.010848324 0.021761496 0.043781766 19
20 0.003392167 0.010197036 0.020455598 0.041156718 20
21 0.003196341 0.009608554 0.019275626 0.038784769 21
22 0.003018566 0.009074314 0.018204406 0.036631401 22
23 0.002856486 0.008587238 0.01722775 0.034668098 23
24 0.002708139 0.00814143 0.016333835 0.032871097 24
25 0.002571877 0.007731937 0.015512731 0.031220438 25
26 0.002446305 0.007354567 0.014756033 0.029699231 26
27 0.002330234 0.00700575 0.014056583 0.028293086 27
28 0.002222647 0.006682425 0.013408244 0.026989672 28
29 0.002122665 0.006381954 0.012805727 0.025778355 29
30 0.002029528 0.00610205 0.012244448 0.024649922 30
ra
(1 + ra )h 1
1 1 3.007487547 6.037391438 12.16411941 1

2 0.49937578 1.501871108 3.014950371 6.074568941 2
3 0.332501387 1 2.007472084 4.044722891 3
4 0.249064451 0.749065224 1.503734491 3.029802945 4
5 0.199002497 0.598504981 1.201493176 2.42085344 5
6 0.165628034 0.498132005 1 0.985329278 6
7 0.141789281 0.426437467 0.856077189 1.724916428 7
8 0.123910346 0.372666952 0.748135856 1.50743842 8
9 0.110004624 0.330845787 0.664182175 1.338290228 9
10 0.09888015 0.297389166 0.597019851 1.202972905 10
11 0.089778402 0.27001585 0.542069423 1.092259852 11
Anul h= Anul h=
1 0.082193699 0.247205012 0.496277916 1 1
2 0.040481212 0.121755524 0.244444786 0.492610837 2
3 0.02658121 0.079951477 0.160525215 0.323530363 3
4 0.019634327 0.059058785 0.118584025 0.239027045 4
5 0.015468691 0.046530632 0.093434178 0.188354571 5
6 0.012693676 0.038184742 0.076679993 0.1545975 6
7 0.0107133 0.032228712 0.064723319 0.130506354 7
8 0.009229572 0.02776634 0.055765078 0.112456389 8
9 0.00807694 0.024299733 0.048805782 0.098433857 9
10 0.007156074 0.021530156 0.043245736 0.087230507 10
11 0.006403764 0.019267505 0.038703315 0.078077448 11
12 0.005777867 0.017385042 0.034924102 0.070462085 12
13 0.00524921 0.015795026 0.03173196 0.064029544 13
14 0.004796954 0.014434784 0.029001076 0.058526339 14
15 0.004405816 0.013258355 0.026639188 0.05376658 15
16 0.004064336 0.012231268 0.024577097 0.049610849 16
17 0.003763747 0.011327163 0.022761886 0.045952529 17
18 0.003497233 0.010525537 0.021152396 0.042708696 18
19 0.003259411 0.009810203 0.019716133 0.039813881 19
20 0.003045976 0.009168211 0.018427102 0.037215708 20
21 0.002853442 0.008589078 0.017264257 0.034871776 21
22 0.002678956 0.008064227 0.01621038 0.032747395 22
23 0.002520162 0.00758657 0.015251246 0.030813903 23
24 0.002375098 0.007150203 0.014375 0.029047416 24
25 0.002242113 0.006750166 0.013571683 0.027427871 25
26 0.002119812 0.006382259 0.01283287 0.02593829 26
27 0.002007005 0.006042909 0.012151381 0.02456421 27
28 0.001902674 0.005729048 0.011521063 0.023293233 28
29 0.00180594 0.005438034 0.010936612 0.022114671 29
30 0.00171604 0.005167577 0.010393427 0.021019259 30
ra
(1 + ra )h 1
1 1 3.009977888 6.049807476 12.21844211 1
2 0.499168053 1.50249309 3.019911989 6.099237395 2
3 0.332224687 1 2.009950494 4.059509754 3
4 0.248753466 0.748754837 1.504972497 3.039651381 4
5 0.198671104 0.598008845 1.201987899 2.427740715 5
6 0.16528317 0.497512438 1 0.980580676 6
7 0.14143491 0.42573008 0.855724501 1.728423578 7
8 0.123548946 0.371894002 0.747519252 1.509891058 8
9 0.109637846 0.330022111 0.663360836 1.339923741 9
10 0.098509151 0.296525152 0.596035204 1.203952066 10
11 0.089404023 0.269119051 0.540951595 1.092704494 11
Anul h= Anul h=
1 0.081816571 0.246281094 0.495049505 1 1
2 0.040091589 0.120690292 0.242623753 0.490196078 2
3 0.026190652 0.078848789 0.158525812 0.320348539 3
4 0.019245721 0.057944597 0.116509799 0.235490045 4
5 0.015083189 0.045415315 0.091326528 0.184627113 5
6 0.01231185 0.037073472 0.074559597 0.150761903 6
7 0.010335473 0.031124436 0.06260197 0.126609612 7
8 0.008855942 0.026670886 0.053650126 0.108527832 8
9 0.007707636 0.02321431 0.046702102 0.094492993 9
10 0.00679118 0.020455598 0.041156718 0.083290944 10
11 0.006043339 0.018204406 0.036631401 0.074149039 11
12 0.00542195 0.016333835 0.032871097 0.066552173 12
13 0.004897828 0.014756033 0.029699231 0.060143728 13
14 0.004450123 0.013408244 0.026989672 0.054668973 14
15 0.004063546 0.012244448 0.024649922 0.0499411 15
16 0.003726629 0.011230127 0.022610607 0.045819999 16
17 0.003430602 0.010338886 0.020818673 0.042198522 17
18 0.003168644 0.009550193 0.019232853 0.038993328 18
19 0.002935369 0.008847837 0.017820566 0.036138618 19
20 0.00272647 0.00821885 0.016555748 0.03358175 20
21 0.002538457 0.007652733 0.015417295 0.031280105 21
22 0.002368477 0.007140894 0.014387939 0.029198811 22
23 0.002214171 0.006676235 0.013453416 0.027309057 23
24 0.002073574 0.006252841 0.012601836 0.025586831 24
25 0.001945035 0.005865743 0.01182321 0.024011963 25
26 0.001827157 0.005510735 0.011109086 0.02256738 26
27 0.001718749 0.005184233 0.010452262 0.021238541 27
28 0.00161879 0.004883166 0.009846564 0.020012975 28
29 0.001526401 0.004604885 0.009286671 0.018879934 29
30 0.00144082 0.004347095 0.008767966 0.017830099 30
ra
(1 + ra )h 1
1 1 3.012465493 6.062199919 12.27257753 1
2 0.498960499 1.503114217 3.02486282 6.123814176 2
3 0.331948294 1 2.012422837 4.074237686 3
4 0.248442914 0.748445048 1.506207132 3.049457911 4
5 0.198340263 0.597513803 1.202481138 2.434596822 5
6 0.164938977 0.49689441 1 0.975900073 6
7 0.141081328 0.425024647 0.855373065 1.731912955 7
8 0.123188453 0.371123404 0.746905008 1.512330599 8
9 0.109272092 0.329201173 0.662542868 1.341548087 9
10 0.098139293 0.29566425 0.59505487 1.204925464 10
11 0.089030901 0.268225735 0.539838977 1.093146399 11
Anul h= Anul h=
1 0.081440815 0.245361023 0.49382716 1 1
2 0.039704723 0.119633136 0.240817878 0.487804878 2
3 0.02580423 0.077758312 0.156549971 0.317208565 3
4 0.018862627 0.056846722 0.114467346 0.232011833 4
5 0.014704567 0.04432039 0.089258763 0.180974798 5
6 0.011938266 0.035986648 0.072487127 0.147017468 6
7 0.009967242 0.030048633 0.060536525 0.122819818 7
8 0.008493253 0.025607906 0.051598989 0.104721814 8
9 0.007350607 0.022165329 0.044670081 0.09069008 9
10 0.006439885 0.019421414 0.039147129 0.079504575 10
11 0.005697822 0.017185575 0.034646606 0.070388891 11
12 0.005082237 0.015330748 0.03091282 0.06282541 12
13 0.00456393 0.013768966 0.027768747 0.056455765 13
14 0.00412204 0.012437388 0.025087933 0.051023969 14
15 0.00374127 0.01128993 0.022777641 0.046342288 15
16 0.003410143 0.010292027 0.020768312 0.042269908 16
17 0.003119886 0.009417242 0.019006751 0.038699142 17
18 0.002863672 0.008645013 0.017451577 0.035546222 18
19 0.002636111 0.007959104 0.016070118 0.03274501 19
20 0.002432891 0.007346524 0.014836233 0.030242587 20
21 0.00225052 0.006796755 0.013728757 0.027996107 21
22 0.002086141 0.006301189 0.012730368 0.025970509 22
23 0.001937393 0.005852715 0.011826757 0.024136822 23
24 0.001802308 0.005445405 0.011005994 0.022470901 24
25 0.001679234 0.005074279 0.010258057 0.020952457 25
26 0.00156677 0.00473512 0.009574464 0.019564321 26
27 0.001463723 0.004424337 0.008947986 0.01829186 27
28 0.001369073 0.004138851 0.008372426 0.01712253 28
29 0.001281936 0.003876004 0.00784244 0.016045515 29
30 0.00120155 0.003633496 0.007353396 0.015051435 30
ra
(1 + ra )h 1
1 1 3.014950371 6.074568941 12.32652834 1
2 0.498753117 1.503734491 3.029802945 6.148300589 2
3 0.331672208 1 2.014889157 4.088907524 3
4 0.248132793 0.748135856 1.50743842 3.05922313 4
5 0.198009975 0.597019851 1.202972905 2.441422205 5
6 0.164595456 0.496277916 1 0.971285862 6
7 0.140728536 0.424321163 0.855022872 1.735384814 7
8 0.122828865 0.370355148 0.746293105 1.514757233 8
9 0.108907361 0.32838296 0.661728245 1.343163397 9
10 0.097770573 0.29480645 0.594078819 1.205893184 10
11 0.088659033 0.267335888 0.538731528 1.093585604 11
Anul h= Anul h=
1 0.08106643 0.244444786 0.492610837 1 1
2 0.03932061 0.118584025 0.239027045 0.485436893 2
3 0.025421937 0.076679993 0.1545975 0.314109813 3
4 0.018485029 0.055765078 0.112456389 0.228591492 4
5 0.014332802 0.043245736 0.087230507 0.1773964 5
6 0.011572888 0.034924102 0.070462085 0.143362628 6
7 0.009608554 0.029001076 0.058526339 0.119135018 7
8 0.00814143 0.024577097 0.049610849 0.101035943 8
9 0.00700575 0.021152396 0.042708696 0.087022235 9
10 0.00610205 0.018427102 0.037215708 0.075867958 10
11 0.005367035 0.01621038 0.032747395 0.066792938 11
12 0.004758502 0.014375 0.029047416 0.059277029 12
13 0.004247234 0.01283287 0.02593829 0.052960105 13
14 0.003812359 0.011521063 0.023293233 0.047584909 14
15 0.003438568 0.010393427 0.021019259 0.042962764 15
16 0.003114379 0.009415342 0.019046618 0.038952144 16
17 0.002831008 0.00856033 0.017321963 0.035444804 17
18 0.002581623 0.007807791 0.015803794 0.032356541 18
19 0.00236083 0.007141461 0.01445934 0.02962086 19
20 0.002164311 0.006548323 0.013262378 0.027184557 20
21 0.001988569 0.006017838 0.012191673 0.025004547 21
22 0.001830744 0.005541379 0.011229847 0.023045569 22
23 0.001688472 0.005111819 0.010362538 0.021278485 23
24 0.001559781 0.004723214 0.009577774 0.019679005 24
25 0.001443014 0.004370571 0.008865494 0.018226718 25
26 0.00133677 0.004049663 0.008217184 0.016904347 26
27 0.001239854 0.003756888 0.007625584 0.015697166 27
28 0.00115124 0.003489156 0.007084473 0.014592552 28
29 0.001070046 0.003243803 0.006588482 0.013579614 29
30 0.000995505 0.00301852 0.006132959 0.012648911 30
ra
(1 + ra )h 1
1 1 3.017432533 6.08691471 12.38029715 1
2 0.498545908 1.504353917 3.034732439 6.172697907 2
3 0.331396429 1 2.017349497 4.103520087 3
4 0.247823103 0.747827258 1.508666388 3.068947621 4
5 0.197680238 0.596526986 1.203463211 2.448217297 5
6 0.164252604 0.495662949 1 0.966736489 6
7 0.14037653 0.423619618 0.854673913 1.738839401 7
8 0.122470182 0.369589227 0.745683527 1.51717114 8
9 0.10854365 0.327567464 0.660916943 1.3447698 9
10 0.09740299 0.293951739 0.593107019 1.206855304 10
11 0.088288418 0.266449497 0.537629211 1.09402215 11
Anul h= Anul h=
1 0.080693413 0.243532367 0.491400491 1 1
2 0.038939246 0.117542923 0.237251139 0.483091787 2
3 0.025043764 0.075613774 0.152668209 0.311051666 3
4 0.018112911 0.054699576 0.110476647 0.225228117 4
5 0.013967865 0.042191225 0.085241368 0.173890694 5
6 0.011215673 0.033885651 0.068483949 0.1397958 6
7 0.009259347 0.027981514 0.056570729 0.11555322 7
8 0.007800384 0.023578122 0.047684831 0.097467762 8
9 0.006672943 0.020175067 0.040816841 0.08348647 9
10 0.005777515 0.017472091 0.035361077 0.072377503 10
11 0.005050768 0.015278103 0.030932074 0.063356905 11
12 0.004450478 0.013465695 0.02727283 0.055901989 12
13 0.003947408 0.011946651 0.024205396 0.049650848 13
14 0.003520672 0.010657948 0.021602645 0.044344939 14
15 0.003154949 0.00955336 0.019371332 0.039794625 15
16 0.002838747 0.008598208 0.017441505 0.035857648 16
17 0.002563273 0.007765966 0.015759658 0.032425193 17
18 0.002321688 0.007035996 0.014284163 0.029412602 18
19 0.00210859 0.006392 0.012982141 0.026753015 19
20 0.001919656 0.005820931 0.011827282 0.024392926 20
21 0.001751384 0.005312226 0.010798276 0.022289002 21
22 0.001600908 0.004857238 0.009877682 0.020405773 22
23 0.001465859 0.004448819 0.009051082 0.018713926 23
24 0.001344262 0.00408101 0.008306458 0.017189021 24
25 0.001234459 0.003748804 0.00763371 0.015810517 25
26 0.001135042 0.003447961 0.007024285 0.014561028 26
27 0.001044816 0.003174867 0.006470898 0.013425734 27
28 0.000962753 0.002926426 0.005967298 0.012391928 28
29 0.000887967 0.002699965 0.005508097 0.011448652 29
30 0.000819692 0.002493167 0.005088621 0.010586404 30
ra
(1 + ra )h 1
(sume partiale economisite sau platite pentru a atinge o valoare la un moment dat.
1 1 3.019911989 6.099237395 12.43388648 1
2 0.49833887 1.504972497 3.039651381 6.197007374 2
3 0.331120955 1 2.019803903 4.118076176 3
4 0.247513843 0.747519252 1.509891058 3.078631954 4
5 0.197351052 0.596035204 1.203952066 2.454982522 5
6 0.163910422 0.495049505 1 0.962250449 6
7 0.140025312 0.422920006 0.854326178 1.742276958 7
8 0.122112402 0.368825631 0.745076257 1.5195725 8
9 0.108180959 0.326754673 0.660108937 1.34636742 9
10 0.097036542 0.293100105 0.592139438 1.207811904 10
11 0.087919054 0.26556655 0.536531989 1.094456072 11
Anul h= Anul h=
1 0.080321762 0.242623753 0.490196078 1 1
2 0.038560625 0.116509799 0.235490045 0.480769231 2
3 0.024669699 0.074559597 0.150761903 0.308033514 3
4 0.017746256 0.053650126 0.108527832 0.221920804 4
5 0.013609728 0.041156718 0.083290944 0.170456455 5
6 0.010866574 0.032871097 0.066552173 0.136315386 6
7 0.008919548 0.026989672 0.054668973 0.112072401 7
8 0.007470013 0.022610607 0.045819999 0.094014761 8
9 0.006352048 0.019232853 0.038993328 0.080079709 9
10 0.005466093 0.016555748 0.03358175 0.069029489 10
11 0.00474878 0.014387939 0.029198811 0.060076342 11
12 0.004157859 0.012601836 0.025586831 0.052695017 12
13 0.003664072 0.011109086 0.02256738 0.046521805 13
14 0.003246515 0.009846564 0.020012975 0.041296853 14
15 0.002889854 0.008767966 0.017830099 0.036829545 15
16 0.002582584 0.007838547 0.01594859 0.032976872 16
17 0.002315902 0.007031729 0.014314772 0.029629431 17
18 0.00208296 0.006326831 0.012886878 0.026702096 18
19 0.001878347 0.005707515 0.011631919 0.024127627 19
20 0.001697734 0.005160705 0.010523489 0.021852209 20
21 0.001537613 0.004675812 0.009540201 0.01983225 21
22 0.001395112 0.004244163 0.008664544 0.018032068 22
23 0.001267859 0.003858594 0.007882049 0.016422169 23
24 0.001153875 0.003513127 0.007180648 0.014977962 24
25 0.001051496 0.003202744 0.0065502 0.013678779 25
26 0.000959314 0.002923191 0.005982124 0.012507127 26
27 0.000876132 0.002670848 0.005469102 0.011448096 27
28 0.00080092 0.00244261 0.005004866 0.010488906 28
29 0.000732791 0.002235799 0.004584009 0.009618535 29
30 0.000670979 0.002048097 0.004201845 0.008827433 30
ra
(1 + ra )h 1
1 1 3.022388748 6.111537163 12.48729883 1
2 0.498132005 1.505590234 3.044559847 6.221230205 2
3 0.330845787 1 2.022252415 4.132576571 3
4 0.247205012 0.747211836 1.511112454 3.088276683 4
5 0.197022416 0.5955445 1.20443948 2.461718293 5
6 0.163568907 0.494437577 1 0.957826285 6
7 0.139674879 0.422222319 0.853979659 1.745697721 7
8 0.121755524 0.368064352 0.744471278 1.521961486 8
9 0.107819286 0.325944577 0.659304205 1.347956379 9
10 0.096671229 0.292251538 0.591176046 1.208763061 10
11 0.08755094 0.264687032 0.535439824 1.094887407 11
Anul h= Anul h=
1 0.079951477 0.241718928 0.488997555 1 1
2 0.038184742 0.115484618 0.233743648 0.4784689 2
3 0.024299733 0.073517402 0.148878388 0.305054757 3
4 0.017385042 0.05261663 0.106609653 0.218668662 4
5 0.013258355 0.040142071 0.081378822 0.167092457 5
6 0.010525537 0.031880229 0.064666189 0.132919783 6
7 0.008589078 0.026025251 0.052820316 0.108690517 7
8 0.007150203 0.021674149 0.044015369 0.090674378 8
9 0.006042909 0.018325215 0.037236898 0.076798802 9
10 0.005167577 0.015677378 0.031876144 0.06582009 10
11 0.004460804 0.01353901 0.027545646 0.056946657 11
12 0.003880307 0.011782328 0.02398703 0.049650658 12
13 0.003396805 0.010318836 0.021021367 0.04356656 13
14 0.002989375 0.0090853 0.018520805 0.038433173 14
15 0.002642666 0.008035327 0.016391543 0.034058883 15
16 0.002345158 0.007134106 0.014563196 0.03029991 16
17 0.002088039 0.006355 0.012981912 0.027046248 17
18 0.001864448 0.005677279 0.01160578 0.024212291 18
19 0.001668968 0.005084569 0.010401692 0.021730411 19
20 0.00149726 0.00456376 0.009343147 0.019546475 20
21 0.00134581 0.004104234 0.008408676 0.017616635 21
22 0.001211743 0.0036973 0.007580706 0.015904993 22
23 0.001092681 0.003335772 0.006844711 0.01438188 23
24 0.000986643 0.003013661 0.006188582 0.013022561 24
25 0.000891964 0.002725936 0.005602146 0.011806251 25
26 0.000807234 0.002468338 0.005076792 0.01071536 26
27 0.000731254 0.002237243 0.004605189 0.009734905 27
28 0.000662996 0.002029542 0.004181052 0.008852047 28
29 0.000601576 0.001842559 0.003798969 0.008055723 29
30 0.000546226 0.00167398 0.003454256 0.007336351 30
ra
(1 + ra )h 1
1 1 3.02486282 6.123814176 12.54053661 1
2 0.497925311 1.506207132 3.049457911 6.245367587 2
3 0.330570924 1 2.024695077 4.147022036 3
4 0.246896611 0.746905008 1.512330599 3.097882352 4
5 0.196694329 0.59505487 1.204925464 2.468425014 5
6 0.163228061 0.49382716 1 0.953462589 6
7 0.13932523 0.421526552 0.853634347 1.749101922 7
8 0.121399547 0.36730538 0.743868574 1.524338268 8
9 0.10745863 0.325137167 0.658502722 1.349536796 9
10 0.096307048 0.291406024 0.590216813 1.209708849 10
11 0.087184073 0.263810932 0.53435268 1.095316192 11
Anul h= Anul h=
1 0.079582554 0.240817878 0.487804878 1 1
2 0.037811593 0.114467346 0.232011833 0.476190476 2
3 0.023933854 0.072487127 0.147017468 0.302114804 3
4 0.01702925 0.051598989 0.104721814 0.215470804 4
5 0.012913711 0.039147129 0.079504575 0.163797481 5
6 0.010192504 0.03091282 0.06282541 0.12960738 6
7 0.008267851 0.025087933 0.051023969 0.1054055 7
8 0.006840831 0.020768312 0.042269908 0.087444018 8
9 0.005745353 0.017451577 0.035546222 0.073640539 9
10 0.00488174 0.014836233 0.030242587 0.062745395 10
11 0.004186544 0.012730368 0.025970509 0.053963142 11
12 0.003617449 0.011005994 0.022470901 0.046763315 12
13 0.003145148 0.009574464 0.019564321 0.040778524 13
14 0.002748694 0.008372426 0.01712253 0.035746223 14
15 0.002412718 0.007353396 0.015051435 0.031473777 15
16 0.002125686 0.006482487 0.013280419 0.027816621 16
17 0.001878771 0.005733003 0.011755445 0.024664134 17
18 0.001665104 0.005084165 0.010434457 0.021930222 18
19 0.001479256 0.004519559 0.009284228 0.019546868 19
20 0.001316883 0.004026045 0.008278161 0.017459625 20
21 0.001174467 0.003592979 0.007394713 0.01562439 21
22 0.001049127 0.003211651 0.006616251 0.014005063 22
23 0.000938483 0.002874863 0.005928204 0.012571813 23
24 0.000840554 0.002576617 0.005318431 0.011299776 24
25 0.000753674 0.002311879 0.004776735 0.010168072 25
26 0.000676436 0.002076389 0.004294497 0.009159039 26
27 0.000607643 0.001866526 0.003864377 0.008257642 27
28 0.000546271 0.001679189 0.003480098 0.007451013 28
29 0.000491437 0.001511713 0.003136257 0.006728075 29
30 0.000442382 0.001361793 0.002828185 0.006079248 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.027334216 6.136068598 12.5936022 1
2 0.497718789 1.506823193 3.054345648 6.269420679 2
3 0.330296365 1 2.027131929 4.161413316 3
4 0.246588638 0.746598765 1.513545518 3.107449492 4
5 0.19636679 0.594566311 1.205410029 2.475103081 5
6 0.162887881 0.493218249 1 0.949157996 6
7 0.138976365 0.420832695 0.853290233 1.752489785 7
8 0.12104447 0.366548708 0.743268128 1.526703014 8
9 0.107098989 0.324332433 0.657704464 1.351108789 9
10 0.095943997 0.290563554 0.589261708 1.210649342 10
11 0.086818452 0.262938236 0.533270519 1.09574246 11
Anul
h= Anul h=
1 0.079214992 0.239920588 0.486618005 1 1
2 0.037441172 0.113457948 0.230294485 0.473933649 2
3 0.02357205 0.07146871 0.145178948 0.29921307 3
4 0.016678856 0.050597098 0.102864012 0.212326352 4
5 0.012575756 0.038171731 0.077667769 0.16057031 5
6 0.009867412 0.029968633 0.061029231 0.126376564 6
7 0.00795577 0.02417738 0.049279115 0.102215269 7
8 0.006541759 0.019892632 0.040582538 0.084321054 8
9 0.005459194 0.016611321 0.033919916 0.070601664 9
10 0.004608334 0.014031514 0.02867933 0.059801427 10
11 0.003925682 0.011961002 0.024471232 0.051121007 11
12 0.003368886 0.010271581 0.021035804 0.044027286 12
13 0.002908607 0.008874445 0.018193071 0.038150993 13
14 0.002523876 0.007706117 0.0158144 0.033228202 14
15 0.002199303 0.006720017 0.01380539 0.02906524 15
16 0.001923337 0.005881181 0.012095189 0.025516747 16
17 0.00168714 0.005162851 0.010629577 0.022471485 17
18 0.00148383 0.004544202 0.009366349 0.01984287 18
19 0.001307972 0.004008783 0.008272166 0.017562504 19
20 0.001155217 0.003543424 0.007320343 0.015575637 20
21 0.001022043 0.003137466 0.006489273 0.01383793 21
22 0.000905568 0.002782186 0.005761276 0.012313101 22
23 0.000803413 0.00247038 0.005121751 0.010971182 23
24 0.000713599 0.002196054 0.004558542 0.009787211 24
25 0.000634464 0.001954177 0.00406145 0.008740242 25
26 0.000564606 0.001740502 0.00362186 0.007812575 26
27 0.000502835 0.001551421 0.003232453 0.006989164 27
28 0.000448133 0.001383853 0.002886976 0.006257145 28
29 0.000399628 0.001235154 0.002580058 0.00560547 29
30 0.000356567 0.001103043 0.002307069 0.005024598 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.029802945 6.148300589 12.64649791 1
2 0.497512438 1.50743842 3.05922313 6.293390614 2
3 0.330022111 1 2.029563014 4.175751141 3
4 0.246281094 0.746293105 1.514757233 3.11697862 4
5 0.1960398 0.594078819 1.205893184 2.481752879 5
6 0.162548367 0.492610837 1 0.944911183 6
7 0.138628283 0.420140743 0.852947309 1.755861531 7
8 0.120690292 0.365794327 0.742669924 1.529055886 8
9 0.106740363 0.323530363 0.656909409 1.35267247 9
10 0.095582077 0.289724115 0.588310701 1.211584612 10
11 0.086454076 0.262068931 0.532193306 1.096166247 11
Anul
h= Anul h=
1 0.078848789 0.239027045 0.485436893 1 1
2 0.037073472 0.112456389 0.228591492 0.471698113 2
3 0.02321431 0.070462085 0.143362628 0.296348981 3
4 0.016333835 0.049610849 0.101035943 0.209234436 4
5 0.012244448 0.037215708 0.075867958 0.157409732 5
6 0.009550193 0.029047416 0.059277029 0.123225718 6
7 0.007652733 0.023293233 0.047584909 0.099117736 7
8 0.006252841 0.019046618 0.038952144 0.081302841 8
9 0.005184233 0.015803794 0.032356541 0.067678889 9
10 0.004347095 0.013262378 0.027184557 0.056984164 10
11 0.003677879 0.011229847 0.023045569 0.048415404 11
12 0.003134191 0.009577774 0.019679005 0.041436808 12
13 0.002686662 0.008217184 0.016904347 0.035677195 13
14 0.002314295 0.007084473 0.014592552 0.030871246 14
15 0.002001681 0.006132959 0.012648911 0.02682424 15
16 0.001737251 0.005327602 0.011002337 0.023390018 16
17 0.001512155 0.004641587 0.009598425 0.020456728 17
18 0.001319504 0.004054045 0.008394835 0.017937311 18
19 0.001153857 0.003548493 0.007358124 0.015763005 19
20 0.001010861 0.003111746 0.006461536 0.01387878 20
21 0.000886996 0.002733133 0.005683415 0.012240092 21
22 0.000779384 0.002403931 0.005006057 0.010810509 22
23 0.000685649 0.002116945 0.004414853 0.009559965 23
24 0.000603819 0.001866193 0.003897655 0.008463442 24
25 0.000532241 0.001646666 0.003444286 0.00749997 25
26 0.000469525 0.001454141 0.003046167 0.006651858 26
27 0.000414489 0.001285039 0.002696021 0.005904094 27
28 0.00036613 0.001136313 0.002387647 0.005243869 28
29 0.000323588 0.001005353 0.002115736 0.004660207 29
30 0.000286126 0.000889918 0.001875722 0.004143658 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.032269016 6.160510306 12.699226 1
2 0.497306258 1.508052818 3.064090431 6.3172785 2
3 0.329748162 1 2.031988372 4.190036222 3
4 0.245973977 0.745988026 1.515965766 3.126470245 4
5 0.195713356 0.59359239 1.206374939 2.488374785 5
6 0.162209517 0.49200492 1 0.940720868 6
7 0.138280982 0.419450688 0.852605566 1.759217377 7
8 0.120337011 0.365042228 0.742073946 1.531397043 8
9 0.106382749 0.322730949 0.656117534 1.354227953 9
10 0.095221283 0.288887695 0.587363764 1.212514729 10
11 0.086090942 0.261203004 0.531121004 1.096587586 11
Anul
h= Anul h=
1 0.078483942 0.238137234 0.484261501 1 1
2 0.036708489 0.111462634 0.22690274 0.469483568 2
3 0.022860619 0.069467188 0.141568312 0.29352197 3
4 0.015994163 0.048640132 0.099237297 0.206194197 4
5 0.01191974 0.036278884 0.07410469 0.154314543 5
6 0.009240772 0.028148906 0.057568166 0.120153232 6
7 0.00735863 0.022435119 0.045940481 0.096110804 7
8 0.005973922 0.018229755 0.037377574 0.07838672 8
9 0.004920254 0.015028313 0.03085461 0.064868902 9
10 0.004097741 0.01252794 0.025756395 0.054289556 10
11 0.003442775 0.010535791 0.021691204 0.045841455 11
12 0.002912919 0.008923203 0.018397698 0.038986085 12
13 0.002478769 0.007601029 0.015694798 0.033350341 13
14 0.002119302 0.006505532 0.013453052 0.028667496 14
15 0.001819088 0.005589933 0.011577442 0.02474178 15
16 0.001566545 0.004819117 0.009996648 0.021426244 16
17 0.001352811 0.004166218 0.008656095 0.018608439 17
18 0.001170992 0.003610332 0.00751332 0.016200855 18
19 0.001015646 0.003134958 0.0065348 0.014134394 19
20 0.000882424 0.002726903 0.005693726 0.012353788 20
21 0.000767809 0.002375502 0.004968423 0.010814328 21
22 0.00066893 0.002072048 0.004341187 0.009479481 22
23 0.000583426 0.001809369 0.003797434 0.008319133 23
24 0.000509335 0.001581514 0.003325055 0.007308261 24
25 0.00044502 0.00138351 0.002913926 0.006425928 25
26 0.000389104 0.001211177 0.002555532 0.005654506 26
27 0.000340427 0.001060982 0.002242674 0.004979073 27
28 0.000298 0.000929927 0.001969234 0.004386929 28
29 0.000260985 0.000815453 0.001729991 0.003867225 29
30 0.000228662 0.000715372 0.001520474 0.00341065 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.034732439 6.172697907 12.75178868 1
2 0.497100249 1.508666388 3.068947621 6.34108542 2
3 0.329474516 1 2.034408043 4.204269256 3
4 0.245667287 0.745683527 1.51717114 3.135924861 4
5 0.195387459 0.593107019 1.206855304 2.494969169 5
6 0.161871332 0.491400491 1 0.936585812 6
7 0.137934462 0.418762523 0.852264997 1.762557532 7
8 0.119984626 0.364292403 0.741480179 1.53372664 8
9 0.106026147 0.321934181 0.655328815 1.355775345 9
10 0.094861616 0.288054284 0.586420866 1.213439762 10
11 0.085729048 0.260340442 0.53005358 1.097006509 11
Anul
h= Anul h=
1 0.078120451 0.237251139 0.483091787 1 1
2 0.036346217 0.110476647 0.225228117 0.46728972 2
3 0.022510963 0.068483949 0.1397958 0.29073148 3
4 0.01565981 0.047684831 0.097467762 0.203204783 4
5 0.011601584 0.035361077 0.072377503 0.151283546 5
6 0.008939073 0.02727283 0.055901989 0.117157496 6
7 0.007073345 0.021602645 0.044344939 0.093192377 7
8 0.005704834 0.017441505 0.035857648 0.075570024 8
9 0.004667034 0.014284163 0.029412602 0.062168384 9
10 0.003859977 0.011827282 0.024392926 0.051713541 10
11 0.003219995 0.009877682 0.020405773 0.043394271 11
12 0.002704604 0.008306458 0.017189021 0.036669327 12
13 0.002284365 0.007024285 0.014561028 0.031163663 13
14 0.001938229 0.005967298 0.012391928 0.026609145 14
15 0.001650747 0.005088621 0.010586404 0.022808963 15
16 0.001410325 0.004353077 0.009072915 0.0196154 16
17 0.001208096 0.003733755 0.007796738 0.016915436 17
18 0.001037164 0.003209732 0.00671531 0.014621152 18
19 0.000892093 0.002764504 0.005795052 0.012663159 19
20 0.000768541 0.002384889 0.005009139 0.010986002 20
21 0.000663004 0.002060245 0.004335907 0.009544861 21
22 0.000572627 0.0017819 0.003757691 0.008303165 22
23 0.000495064 0.001542726 0.003259965 0.007230813 23
24 0.000428375 0.001336821 0.002830695 0.006302841 24
25 0.000370944 0.00115927 0.00245985 0.005498408 25
26 0.000321417 0.001005954 0.002139015 0.004800014 26
27 0.000278655 0.000873403 0.001861101 0.004192884 27
28 0.000241697 0.000758687 0.001620106 0.00366449 28
29 0.000209727 0.000659314 0.00141093 0.003204166 29
30 0.000182051 0.000573166 0.001229226 0.002802794 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.037193225 6.184863545 12.80418812 1
2 0.49689441 1.509279133 3.073794772 6.364812433 2
3 0.329201173 1 2.036822068 4.218450924 3
4 0.245361023 0.745379605 1.518373377 3.145342953 4
5 0.195062108 0.592622703 1.20733429 2.501536392 5
6 0.16153381 0.490797546 1 0.932504808 6
7 0.137588721 0.418076242 0.851925592 1.765882203 7
8 0.119633136 0.363544843 0.740888605 1.536044831 8
9 0.105670555 0.321140047 0.65454323 1.357314754 9
10 0.094503074 0.28722387 0.585481979 1.214359778 10
11 0.085368393 0.259481233 0.528990996 1.097423049 11
Anul
h= Anul h=
1 0.077758312 0.236368748 0.481927711 1 1
2 0.035986648 0.109498391 0.223567509 0.465116279 2
3 0.022165329 0.067512301 0.138044891 0.287976962 3
4 0.015330748 0.046744827 0.095727023 0.200265352 4
5 0.01128993 0.034462097 0.070685927 0.148315552 5
6 0.008645013 0.026418903 0.054277831 0.114236907 6
7 0.006796755 0.020795404 0.042797372 0.090360364 7
8 0.005445405 0.016681309 0.034391157 0.07285009 8
9 0.004424337 0.013570605 0.028028958 0.059574015 9
10 0.003633496 0.011159456 0.023092192 0.049252063 10
11 0.00300915 0.009254336 0.019186871 0.041068983 11
12 0.002508768 0.007726095 0.016050079 0.034480776 12
13 0.002102875 0.00648523 0.013499612 0.029110457 13
14 0.001770397 0.005467751 0.011405199 0.02468849 14
15 0.001495871 0.004626697 0.009671236 0.021017053 15
16 0.001267696 0.003926839 0.008225989 0.017947691 16
17 0.001077004 0.003341241 0.007014608 0.015366862 17
18 0.000916908 0.002848977 0.005994468 0.013186287 18
19 0.00078198 0.00243356 0.005131971 0.01133635 19
20 0.000667896 0.002081841 0.004400314 0.00976147 20
21 0.000571171 0.001783226 0.003777886 0.008416791 21
22 0.000488975 0.001529098 0.003247101 0.007265771 22
23 0.000418986 0.001312396 0.002793535 0.006278395 23
24 0.000359292 0.001127291 0.002405272 0.00542983 24
25 0.000308306 0.000968946 0.00207241 0.004699402 25
26 0.000264704 0.000833323 0.001786676 0.004069806 26
27 0.000227378 0.000717037 0.001541125 0.003526481 27
28 0.000195396 0.000617239 0.001329905 0.003057131 28
29 0.000167972 0.000531525 0.001148069 0.002651326 29
30 0.00014444 0.000457856 0.000991418 0.002300198 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.039651381 6.197007374 12.85642642 1
2 0.496688742 1.509891058 3.078631954 6.388460575 2
3 0.328928133 1 2.039230485 4.232581893 3
4 0.245055186 0.745076257 1.5195725 3.154724996 4
5 0.194737303 0.592139438 1.207811904 2.508076806 5
6 0.161196951 0.490196078 1 0.928476691 6
7 0.137243758 0.417391836 0.851587343 1.769191593 7
8 0.11928254 0.36279954 0.740299211 1.538351763 8
9 0.105315971 0.320348539 0.653760758 1.358846284 9
10 0.094145654 0.286396442 0.584547075 1.215274842 10
11 0.085008976 0.258625363 0.52793322 1.097837237 11
Anul
h= Anul h=
1 0.077397525 0.235490045 0.480769231 1 1
2 0.035629777 0.108527832 0.221920804 0.462962963 2
3 0.0218237 0.066552173 0.136315386 0.285257873 3
4 0.015006947 0.045819999 0.094014761 0.197375069 4
5 0.010984724 0.03358175 0.069029489 0.145409382 5
6 0.008358507 0.025586831 0.052695017 0.11138987 6
7 0.006528731 0.020012975 0.041296853 0.087612677 7
8 0.005195453 0.01594859 0.032976872 0.07022426 8
9 0.004191917 0.012886878 0.026702096 0.057082487 9
10 0.003417979 0.010523489 0.021852209 0.046901083 10
11 0.002809839 0.008664544 0.018032068 0.038860751 11
12 0.00232492 0.007180648 0.014977962 0.032414733 12
13 0.001933711 0.005982124 0.012507127 0.02718411 13
14 0.001615121 0.005004866 0.010488906 0.022897973 14
15 0.001353674 0.004201845 0.008827433 0.019357522 15
16 0.00113777 0.003537795 0.007450813 0.016413616 16
17 0.000958549 0.00298578 0.00630411 0.013952249 17
18 0.000809137 0.002524892 0.005344674 0.011884853 18
19 0.00068413 0.002138687 0.004538936 0.010141656 19
20 0.000579226 0.001814075 0.003860162 0.008667032 20
21 0.000490972 0.001540535 0.003286841 0.007416169 21
22 0.000416567 0.001309533 0.002801516 0.006352635 22
23 0.000353726 0.001114098 0.002389908 0.005446582 23
24 0.000300573 0.0009485 0.002040266 0.004673386 24
25 0.000255556 0.000808 0.001742858 0.004012615 25
26 0.000217388 0.000688662 0.00148959 0.003447227 26
27 0.000184999 0.000587203 0.0012737 0.002962942 27
28 0.000157491 0.000500876 0.001089518 0.002547753 28
29 0.000134114 0.000427374 0.000932275 0.002191525 29
30 0.000114237 0.000364755 0.000797949 0.001885683 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.042106919 6.209129544 12.90850567 1
2 0.496483244 1.510502163 3.083459235 6.41203086 2
3 0.328655395 1 2.041633333 4.246662815 3
4 0.244749773 0.744773482 1.520768529 3.164071453 4
5 0.194413041 0.59165722 1.208288158 2.514590756 5
6 0.160860752 0.489596083 1 0.924500327 6
7 0.136899573 0.4167093 0.851250243 1.772485898 7
8 0.118932837 0.362056486 0.73971198 1.540647583 8
9 0.104962394 0.319559647 0.652981375 1.360370037 9
10 0.093789356 0.285571988 0.583616124 1.21618502 10
11 0.084650793 0.25777282 0.526880215 1.098249103 11
Anul
h= Anul h=
1 0.077038085 0.234615017 0.479616307 1 1
2 0.035275597 0.107564932 0.220287893 0.460829493 2
3 0.021486061 0.065603493 0.134607084 0.282573681 3
4 0.014688376 0.044910223 0.092330653 0.194533114 4
5 0.010685909 0.032719835 0.067407705 0.142563864 5
6 0.008079464 0.024776311 0.051152858 0.108614802 6
7 0.006269138 0.019254924 0.039842438 0.084947243 7
8 0.004954787 0.015242755 0.031613544 0.067689892 8
9 0.003969521 0.012232201 0.025430413 0.05469051 9
10 0.003213099 0.009918389 0.020670974 0.044656597 10
11 0.002621654 0.00810708 0.016938923 0.036764792 11
12 0.002152563 0.006668638 0.013969755 0.030465582 12
13 0.001776286 0.005513223 0.011580165 0.025378139 13
14 0.001471716 0.00457663 0.009639136 0.021230218 14
15 0.001223376 0.003811778 0.008050575 0.017822095 15
16 0.001019674 0.003183393 0.006742466 0.01500401 16
17 0.000851767 0.00266456 0.005659836 0.012661569 17
18 0.000712807 0.002234422 0.004760062 0.010705995 18
19 0.000597419 0.001876607 0.004009656 0.009067452 19
20 0.000501339 0.001578112 0.003382006 0.007690359 20
21 0.000421152 0.001328518 0.002855757 0.006530035 21
22 0.0003541 0.001119402 0.00241363 0.005550249 22
23 0.000297941 0.000943911 0.002041543 0.004721405 23
24 0.000250843 0.000796434 0.001727952 0.00401917 24
25 0.000211299 0.000672356 0.00146334 0.003423428 25
26 0.000178066 0.000567862 0.001239828 0.00291747 26
27 0.000150114 0.000479788 0.001050871 0.002487362 27
28 0.000126589 0.000405503 0.00089101 0.00212144 28
29 0.000106778 0.000342811 0.00075568 0.001809915 29
30 9.00868E-05 0.000289877 0.000641059 0.001544547 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.044559847 6.221230205 12.96042789 1
2 0.496277916 1.511112454 3.088276683 6.435524278 2
3 0.32838296 1 2.044030651 4.260694326 3
4 0.244444786 0.744471278 1.521961486 3.173382779 4
5 0.194089323 0.591176046 1.208763061 2.521078582 5
6 0.160525215 0.488997555 1 0.920574618 6
7 0.136556165 0.416028627 0.850914283 1.775765311 7
8 0.118584025 0.361315671 0.739126898 1.542932433 8
9 0.104609823 0.31877336 0.652205061 1.361886114 9
10 0.093434178 0.284750496 0.582689099 1.217090374 10
11 0.084293844 0.25692359 0.525831949 1.098658678 11
Anul
h= Anul h=
1 0.076679993 0.233743648 0.4784689 1 1
2 0.034924102 0.106609653 0.218668662 0.458715596 2
3 0.021152396 0.064666189 0.132919783 0.279923861 3
4 0.014375 0.044015369 0.090674378 0.191738671 4
5 0.010393427 0.031876144 0.06582009 0.139777842 5
6 0.007807791 0.02398703 0.049650658 0.105910129 6
7 0.006017838 0.018520805 0.038433173 0.082361999 7
8 0.004723214 0.014563196 0.03029991 0.065244359 8
9 0.003756888 0.01160578 0.024212291 0.052394824 9
10 0.00301852 0.009343147 0.019546475 0.042514641 10
11 0.002444179 0.007580706 0.015904993 0.034776386 11
12 0.001991195 0.006188582 0.013022561 0.028627809 12
13 0.001630009 0.005076792 0.01071536 0.023686207 13
14 0.001339503 0.004181052 0.008852047 0.019678058 14
15 0.00110421 0.003454256 0.007336351 0.016402783 15
16 0.000912557 0.002861149 0.006096186 0.013710084 16
17 0.000755729 0.002374873 0.005076597 0.011485271 17
18 0.000626914 0.001974652 0.00423505 0.009639457 18
19 0.000520782 0.001644219 0.003538198 0.008102839 19
20 0.000433115 0.001370694 0.002959609 0.006819981 20
21 0.000360549 0.001143786 0.002478142 0.005746433 21
22 0.000300377 0.000955215 0.002076749 0.004846258 22
23 0.000250411 0.000798271 0.001741596 0.0040902 23
24 0.00020887 0.000667488 0.001461389 0.003454297 24
25 0.000174299 0.000558392 0.001226868 0.002918826 25
26 0.000145505 0.00046731 0.001030406 0.002467478 26
27 0.000121506 0.000391212 0.000865703 0.002086719 27
28 0.000101491 0.000327596 0.000727537 0.001765285 28
29 8.47923E-05 0.000274387 0.000611571 0.001493769 29
30 7.08537E-05 0.000229864 0.000514194 0.001264306 30
ra
Factorii fondului de amortizare (reducere, economisire) de x % f ran = pt.ra=19%
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.047010174 6.233309504 13.01219505 1
2 0.496072757 1.511721931 3.093084367 6.458941801 2
3 0.328110827 1 2.046422477 4.274677053 3
4 0.244140223 0.744169643 1.523151392 3.182659418 4
5 0.193766148 0.590695911 1.209236622 2.527540614 5
6 0.160190337 0.488400488 1 0.916698497 6
7 0.136213531 0.415349808 0.850579455 1.779030023 7
8 0.118236102 0.360577088 0.738543949 1.545206453 8
9 0.104258257 0.317989669 0.651431793 1.363394613 9
10 0.093080117 0.283931957 0.581765973 1.217990967 10
11 0.083938126 0.256077662 0.524788388 1.09906599 11
Anul
h= Anul h=
1 0.076323245 0.232875925 0.477326969 1 1
2 0.034575284 0.10566196 0.217063002 0.456621005 2
3 0.020822687 0.063740186 0.131253283 0.277307895 3
4 0.014066785 0.043135309 0.089045608 0.188990938 4
5 0.010107218 0.031050467 0.064266152 0.137050167 5
6 0.00754339 0.023218669 0.048187714 0.103274292 6
7 0.005774686 0.017810162 0.037068092 0.079854902 7
8 0.004500532 0.013909294 0.029034696 0.06288506 8
9 0.00355375 0.011006804 0.023046104 0.050192202 9
10 0.002833902 0.008796745 0.018476695 0.040471309 10
11 0.002276993 0.007084176 0.014927844 0.0328909 11
12 0.001840314 0.005739002 0.012133511 0.026896022 12
13 0.001494292 0.004671114 0.009909399 0.022102153 13
14 0.001217812 0.003816177 0.008123888 0.018234563 14
15 0.000995427 0.003127095 0.006680584 0.015091906 15
16 0.000815594 0.002568668 0.005507395 0.012523448 16
17 0.000669542 0.002114128 0.004549449 0.010414307 17
18 0.000550509 0.00174282 0.003764367 0.008675594 18
19 0.000453219 0.001438617 0.003119009 0.00723765 19
20 0.000373515 0.001188794 0.002587188 0.006045291 20
21 0.000308093 0.000983225 0.002148033 0.005054399 21
22 0.00025431 0.000813798 0.001784785 0.00422943 22
23 0.000210037 0.000673972 0.001483903 0.003541556 23
24 0.000173556 0.000558448 0.001234391 0.002967267 24
25 0.000143467 0.000462916 0.00102728 0.002487299 25
26 0.000118633 0.000383857 0.000855227 0.002085808 26
27 9.81248E-05 0.00031839 0.000712205 0.001749713 27
28 8.11796E-05 0.00026415 0.000593248 0.001468188 28
29 6.7173E-05 0.000219192 0.000494263 0.001232251 29
30 5.55916E-05 0.000181916 0.000411865 0.001034434 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.049457911 6.245367587 13.0638091 1
2 0.495867769 1.512330599 3.097882352 6.482284378 2
3 0.327838995 1 2.048808848 4.288611605 3
4 0.243836083 0.743868574 1.524338268 3.191901804 4
5 0.193443516 0.590216813 1.209708849 2.533977175 5
6 0.159856118 0.487804878 1 0.912870929 6
7 0.135871672 0.414672839 0.850245752 1.782280219 7
8 0.117889069 0.359840728 0.737963119 1.547469781 8
9 0.103907693 0.317208565 0.650661551 1.364895629 9
10 0.092727173 0.283116357 0.580846717 1.218886858 10
11 0.083583638 0.255235021 0.523749498 1.09947107 11
Anul
h= Anul h=
1 0.075967839 0.232011833 0.476190476 1 1
2 0.034229136 0.104721814 0.215470804 0.454545455 2
3 0.020496917 0.06282541 0.12960738 0.274725275 3
4 0.013763696 0.042269908 0.087444018 0.186289121 4
5 0.009827217 0.030242587 0.062745395 0.134379703 5
6 0.007286159 0.022470901 0.046763315 0.100705746 6
7 0.005539533 0.01712253 0.035746223 0.077423926 7
8 0.004286534 0.013280419 0.027816621 0.060609422 8
9 0.003359835 0.010434457 0.021930222 0.048079462 9
10 0.002658901 0.008278161 0.017459625 0.038522757 10
11 0.002119674 0.006616251 0.014005063 0.031103794 11
12 0.001699419 0.005318431 0.011299776 0.025264965 12
13 0.001368555 0.004294497 0.009159039 0.020620001 13
14 0.001105987 0.003480098 0.007451013 0.016893055 14
15 0.000896298 0.002828185 0.006079248 0.01388212 15
16 0.000727994 0.002303652 0.004971717 0.011436135 16
17 0.000592359 0.001879864 0.004073706 0.009440147 17
18 0.000482696 0.001536328 0.003343064 0.007805386 18
19 0.000393798 0.001257093 0.002746925 0.006462453 19
20 0.000321579 0.001029623 0.002259414 0.005356531 20
21 0.000262809 0.000843992 0.001859991 0.004443939 21
22 0.000214915 0.000692283 0.001532237 0.003689619 22
23 0.00017584 0.000568148 0.001262953 0.003065258 23
24 0.00014393 0.000466477 0.00104148 0.002547873 24
25 0.000117851 0.000383138 0.000859174 0.002118729 25
26 9.65247E-05 0.000314781 0.000709004 0.001762496 26
27 7.90757E-05 0.000258682 0.000585234 0.001466592 27
28 6.47932E-05 0.000212624 0.000483173 0.001220668 28
29 5.30986E-05 0.000174794 0.000398982 0.00101619 29
30 4.35202E-05 0.000143715 0.000329509 0.000846108 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.051903066 6.257404598 13.11527193 1
2 0.495662949 1.512938461 3.102670706 6.50555294 2
3 0.327567464 1 2.051189802 4.302498581 3
4 0.243532367 0.74356807 1.525522136 3.201110364 4
5 0.193121425 0.589738746 1.210179753 2.540388583 5
6 0.159522557 0.487210719 1 0.909090909 6
7 0.135530586 0.413997711 0.849913166 1.785516079 7
8 0.117542923 0.359106584 0.737384392 1.549722549 8
9 0.103558131 0.316430036 0.649894313 1.366389257 9
10 0.092375344 0.282303687 0.579931305 1.219778106 10
11 0.083230378 0.254395657 0.522715246 1.099873945 11
Anul
h= Anul h=
1 0.075613774 0.231151358 0.475059382 1 1
2 0.033885651 0.103789177 0.213891956 0.452488688 2
3 0.020175067 0.061921784 0.127981875 0.272175499 3
4 0.013465695 0.04141903 0.085869276 0.183632437 4
5 0.00955336 0.029452283 0.061257321 0.131765329 5
6 0.007035996 0.021743392 0.045376746 0.098202962 6
7 0.005312226 0.016457436 0.034466587 0.075067069 7
8 0.00408101 0.012675932 0.0266444 0.058414903 8
9 0.003174867 0.009887915 0.020863018 0.046053467 9
10 0.002493167 0.007786368 0.016493265 0.036665212 10
11 0.0019718 0.006175692 0.013134265 0.029410632 11
12 0.001568011 0.004925419 0.010518581 0.02372953 12
13 0.001252229 0.003945284 0.00846112 0.019233981 13
14 0.001003388 0.003170961 0.006829897 0.015647128 14
15 0.000806123 0.002555491 0.005528482 0.012766421 15
16 0.000649 0.00206391 0.004484992 0.010440605 16
17 0.000523377 0.001669759 0.003644954 0.008554783 17
18 0.000422637 0.001352746 0.002966519 0.007020434 18
19 0.000341655 0.001097139 0.00241717 0.005768542 19
20 0.000276429 0.000890629 0.001971408 0.00474477 20
21 0.000223812 0.000723514 0.001609083 0.003905981 21
22 0.000181313 0.000588101 0.001314168 0.003217697 22
23 0.00014695 0.00047826 0.00107385 0.002652201 23
24 0.000119144 0.000389085 0.000877841 0.002187107 24
25 9.66282E-05 0.000316636 0.000717851 0.001804265 25
26 7.83864E-05 0.000257743 0.000587182 0.001488908 26
27 6.36007E-05 0.000209848 0.000480406 0.00122899 27
28 5.16122E-05 0.000170881 0.00039312 0.001014664 28
29 4.18889E-05 0.00013917 0.000321741 0.000837863 29
30 3.40009E-05 0.000113356 0.000263354 0.000691969 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.054345648 6.269420679 13.16658541 1
2 0.495458299 1.513545518 3.107449492 6.528748396 2
3 0.327296233 1 2.053565375 4.316338567 3
4 0.243229074 0.743268128 1.526703014 3.210285514 4
5 0.192799875 0.589261708 1.210649342 2.546775149 5
6 0.159189653 0.486618005 1 0.90535746 6
7 0.135190272 0.413324418 0.849581688 1.788737782 7
8 0.117197664 0.358374646 0.736807755 1.55196489 8
9 0.103209568 0.315654075 0.649130058 1.367875588 9
10 0.092024628 0.281493935 0.57901971 1.220664771 10
11 0.082878343 0.253559555 0.521685599 1.100274642 11
Anul
h= Anul h=
1 0.075261046 0.230294485 0.473933649 1 1
2 0.033544821 0.102864012 0.212326352 0.45045045 2
3 0.01985712 0.061029231 0.126376564 0.269658074 3
4 0.013172745 0.040582538 0.084321054 0.181020114 4
5 0.009285579 0.02867933 0.059801427 0.129205935 5
6 0.006792794 0.021035804 0.044027286 0.095764428 6
7 0.005092611 0.0158144 0.033228202 0.072782351 7
8 0.003883746 0.012095189 0.025516747 0.056298998 8
9 0.002998568 0.009366349 0.01984287 0.044111135 9
10 0.002336354 0.007320343 0.015575637 0.034894982 10
11 0.001832953 0.005761276 0.012313101 0.027807093 11
12 0.001445602 0.004558542 0.009787211 0.022284769 12
13 0.001144755 0.00362186 0.007812575 0.017938536 13
14 0.000909397 0.002886976 0.006257145 0.014490651 14
15 0.000724227 0.002307069 0.005024598 0.011738162 15
16 0.000577893 0.001847366 0.004043285 0.009529754 16
17 0.000461843 0.001481631 0.003259055 0.007750731 17
18 0.000369553 0.001189818 0.002630441 0.006312952 18
19 0.000295996 0.000956452 0.002125351 0.005147912 19
20 0.000237266 0.000769484 0.001718727 0.00420187 20
21 0.000190308 0.00061947 0.001390863 0.003432334 21
22 0.00015272 0.000498963 0.001126173 0.002805496 22
23 0.000122605 0.000402068 0.000912268 0.002294311 23
24 9.84598E-05 0.000324099 0.000739262 0.001877053 24
25 7.90903E-05 0.000261322 0.000599243 0.001536204 25
26 6.35443E-05 0.00021075 0.000485861 0.0012576 26
27 5.10625E-05 0.000169995 0.000394008 0.001029758 27
28 4.1038E-05 0.000137141 0.00031957 0.000843352 28
29 3.2985E-05 0.00011065 0.000259228 0.000690795 29
30 2.65145E-05 8.92837E-05 0.000210302 0.000565905 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.056785666 6.281415971 13.21775136 1
2 0.495253818 1.514151775 3.112218775 6.551871639 2
3 0.327025303 1 2.055935604 4.330132137 3
4 0.242926202 0.742968747 1.527880925 3.219427664 4
5 0.192478865 0.588785694 1.211117626 2.553137176 5
6 0.158857405 0.486026731 1 0.901669635 6
7 0.134850729 0.412652954 0.849251312 1.791945502 7
8 0.11685329 0.357644907 0.736233193 1.554196931 8
9 0.102862004 0.31488067 0.648368766 1.369354713 9
10 0.091675023 0.28068709 0.578111904 1.221546909 10
11 0.082527532 0.252726703 0.520660526 1.10067319 11
Anul
h= Anul h=
1 0.074909655 0.229441202 0.472813239 1 1
2 0.033206639 0.10194628 0.210773881 0.448430493 2
3 0.019543055 0.060147673 0.124791245 0.267172513 3
4 0.012884805 0.03976029 0.08279902 0.178451388 4
5 0.009023804 0.027923499 0.05837721 0.126700424 5
6 0.006556443 0.020347791 0.042714215 0.093388652 6
7 0.004880526 0.015192935 0.032030083 0.07056782 7
8 0.003694525 0.011537542 0.024432379 0.054259239 8
9 0.002830656 0.008868931 0.018868167 0.042249444 9
10 0.002188113 0.006879069 0.014704784 0.033208459 10
11 0.001702714 0.005371793 0.011539267 0.026288978 11
12 0.001331708 0.004216408 0.009103021 0.0209259 12
13 0.001045591 0.00332266 0.00721044 0.016728329 13
14 0.000823416 0.002626421 0.005729505 0.013417782 14
15 0.000649968 0.002081065 0.004564096 0.010791049 15
16 0.000513995 0.00165206 0.003642889 0.008696911 16
17 0.000407052 0.001313442 0.002912145 0.007021016 17
18 0.000322725 0.001045457 0.002330865 0.005675745 18
19 0.000256096 0.000832924 0.001867448 0.004593232 19
20 0.000203367 0.000664087 0.001497343 0.003720441 20
21 0.000161584 0.000529785 0.001201342 0.003015628 21
22 0.000128443 0.000422841 0.00096434 0.002445733 22
23 0.000102135 0.00033761 0.000774406 0.001984455 23
24 8.12387E-05 0.00026964 0.000622081 0.001610779 24
25 6.46317E-05 0.000215404 0.000499848 0.001307864 25
26 5.14286E-05 0.00017211 0.000401716 0.001062175 26
27 4.09284E-05 0.000137539 0.000322903 0.000862812 27
28 3.25757E-05 0.000109925 0.000259588 0.000700981 28
29 2.59299E-05 8.78633E-05 0.00020871 0.000569579 29
30 2.06413E-05 7.02349E-05 0.000167818 0.000462858 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.05922313 6.293390614 13.26877156 1
2 0.495049505 1.514757233 3.11697862 6.574923543 2
3 0.326754673 1 2.058300524 4.343879852 3
4 0.242623753 0.742669924 1.529055886 3.228537213 4
5 0.192158394 0.588310701 1.211584612 2.559474963 5
6 0.158525812 0.485436893 1 0.89802651 6
7 0.134511956 0.411983311 0.848922031 1.795139409 7
8 0.116509799 0.356917358 0.735660691 1.556418799 8
9 0.102515437 0.314109813 0.647610416 1.370826721 9
10 0.091326528 0.27988314 0.577207863 1.222424575 10
11 0.082177943 0.251897089 0.519639993 1.101069614 11
Anul
h= Anul h=
1 0.074559597 0.228591492 0.471698113 1 1
2 0.032871097 0.101035943 0.209234436 0.446428571 2
3 0.019232853 0.059277029 0.123225718 0.26471834 3
4 0.012601836 0.038952144 0.081302841 0.175925509 4
5 0.008767966 0.027184557 0.056984164 0.124247715 5
6 0.006326831 0.019679005 0.041436808 0.09107416 6
7 0.004675812 0.014592552 0.030871246 0.068421552 7
8 0.003513127 0.011002337 0.023390018 0.052293202 8
9 0.002670848 0.008394835 0.017937311 0.040465431 9
10 0.002048097 0.006461536 0.01387878 0.031602127 10
11 0.001580674 0.005006057 0.010810509 0.024852213 11
12 0.001225859 0.003897655 0.008463442 0.019648314 12
13 0.000954211 0.003046167 0.006651858 0.015598254 13
14 0.000744872 0.002387647 0.005243869 0.012422965 14
15 0.000582736 0.001875722 0.004143658 0.009919145 15
16 0.000456669 0.001476153 0.003280326 0.00793583 16
17 0.00035835 0.001163301 0.002600638 0.006359165 17
18 0.00028149 0.000917744 0.002064141 0.005102193 18
19 0.000221294 0.000724635 0.0016398 0.00409781 19
20 0.000174081 0.000572541 0.001303626 0.003293801 20
21 0.00013701 0.000452608 0.001036958 0.002649254 21
22 0.000107875 0.000357947 0.00082521 0.00213194 22
23 8.49618E-05 0.000283176 0.000656936 0.001716356 23
24 6.69316E-05 0.000224082 0.000523125 0.001382245 24
25 5.27378E-05 0.000177356 0.000416663 0.001113472 25
26 4.15602E-05 0.000140397 0.000331928 0.000897156 26
27 3.27556E-05 0.000111153 0.000264462 0.00072299 27
28 2.58186E-05 8.80098E-05 0.000210734 0.000582716 28
29 2.03522E-05 6.96907E-05 0.000167936 0.000469712 29
30 1.60441E-05 5.51883E-05 0.000133839 0.000378656 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.061658049 6.305344745 13.31964775 1
2 0.494845361 1.515361896 3.121729089 6.597904963 2
3 0.326484342 1 2.060660172 4.357582263 3
4 0.242321724 0.742371658 1.530227919 3.237614553 4
5 0.191838462 0.587836726 1.21205031 2.565788802 5
6 0.158194874 0.484848485 1 0.894427191 6
7 0.134173952 0.411315483 0.848593835 1.79831967 7
8 0.116167191 0.356191992 0.735090236 1.558630618 8
9 0.102169866 0.313341493 0.646854988 1.372291697 9
10 0.090979141 0.279082075 0.576307558 1.223297825 10
11 0.081829574 0.2510707 0.51862397 1.10146394 11
Anul
h= Anul h=
1 0.07421087 0.227745343 0.470588235 1 1
2 0.032538187 0.100132961 0.207707911 0.444444444 2
3 0.018926493 0.058417221 0.121679781 0.262295082 3
4 0.012323795 0.038157954 0.079832186 0.173441734 4
5 0.00851799 0.026462269 0.055621782 0.12184674 5
6 0.006103844 0.019029093 0.040194339 0.088819499 6
7 0.004478303 0.014012756 0.02975071 0.066341653 7
8 0.003339332 0.010488924 0.022388393 0.050398506 8
9 0.002518864 0.007943237 0.017048726 0.038756201 9
10 0.001915962 0.006066749 0.013095733 0.030072562 10
11 0.001466429 0.0046629 0.010124627 0.023492858 11
12 0.001127596 0.003600964 0.007865988 0.018447577 12
13 0.000870108 0.002790924 0.006134088 0.014543429 13
14 0.00067322 0.002169083 0.004797279 0.011500933 14
15 0.000521956 0.001689378 0.003760156 0.009116864 15
16 0.000405319 0.001317925 0.002952348 0.007240681 16
17 0.000315131 0.001029455 0.002321213 0.005759185 17
18 0.000245242 0.000804922 0.001826925 0.004586218 18
19 0.000190993 0.000629847 0.001439082 0.003655562 19
20 0.000148829 0.000493149 0.001134312 0.002915922 20
21 0.000116025 0.0003863 0.000894542 0.002327309 21
22 9.0482E-05 0.000302714 0.000705739 0.001858387 22
23 7.05815E-05 0.000237281 0.000556961 0.001484502 23
24 5.50694E-05 0.000186034 0.000439657 0.001186193 24
25 4.29735E-05 0.000145881 0.000347127 0.000948055 25
26 3.35387E-05 0.00011441 0.000274113 0.000757869 26
27 2.61779E-05 8.97383E-05 0.000216484 0.000605928 27
28 2.04342E-05 7.03927E-05 0.000170987 0.000484508 28
29 1.59517E-05 5.52213E-05 0.000135062 0.000387456 29
30 1.2453E-05 4.3322E-05 0.000106691 0.000309869 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.064090431 6.3172785 13.37038166 1
2 0.494641385 1.515965766 3.126470245 6.620816738 2
3 0.32621431 1 2.063014581 4.371239911 3
4 0.242020116 0.742073946 1.531397043 3.246660069 4
5 0.191519069 0.587363764 1.212514729 2.572078978 5
6 0.15786459 0.484261501 1 0.890870806 6
7 0.133836716 0.410649463 0.848266719 1.80148645 7
8 0.115825465 0.3554688 0.734521814 1.560832507 8
9 0.101825289 0.312575702 0.646102462 1.373749728 9
10 0.09063286 0.278283884 0.575410966 1.224166711 10
11 0.081482422 0.250247524 0.517612425 1.101856194 11
Anul
h= Anul h=
1 0.073863472 0.22690274 0.469483568 1 1
2 0.0322079 0.099237297 0.206194197 0.442477876 2
3 0.018623954 0.057568166 0.120153232 0.259902277 3
4 0.01205064 0.037377574 0.07838672 0.170999334 4
5 0.008273803 0.025756395 0.054289556 0.119496445 5
6 0.005887366 0.018397698 0.038986085 0.086623235 6
7 0.004287833 0.013453052 0.028667496 0.064326259 7
8 0.003172918 0.009996648 0.021426244 0.048572819 8
9 0.002374422 0.00751332 0.016200855 0.037118927 9
10 0.001791368 0.005693726 0.012353788 0.028616441 10
11 0.001359583 0.004341187 0.009479481 0.022207105 11
12 0.001036472 0.003325055 0.007308261 0.017319437 12
13 0.000792794 0.002555532 0.005654506 0.013559206 13
14 0.00060794 0.001969234 0.004386929 0.010646702 14
15 0.000467084 0.001520474 0.00341065 0.008378963 15
16 0.00035939 0.001175775 0.002655929 0.006606041 16
17 0.000276837 0.00091029 0.002070808 0.005215545 17
18 0.000213431 0.00070539 0.001616163 0.004122258 18
19 0.000164656 0.000546994 0.00126229 0.003260965 19
20 0.000127092 0.000424396 0.000986481 0.002581387 20
21 9.81364E-05 0.000329414 0.00077129 0.002044531 21
22 7.58008E-05 0.000255772 0.000603257 0.001620015 22
23 5.85624E-05 0.000198644 0.000471964 0.001284075 23
24 4.52524E-05 0.000154305 0.000369326 0.00101807 24
25 3.49724E-05 0.000119882 0.000289059 0.000807339 25
26 2.70306E-05 9.31485E-05 0.000226266 0.000640335 26
27 2.0894E-05 7.23834E-05 0.000177133 0.000507944 27
28 1.61516E-05 5.62514E-05 0.00013868 0.000402968 28
29 1.24863E-05 4.37171E-05 0.000108582 0.000319714 29
30 9.65306E-06 3.39772E-05 8.50199E-05 0.000253677 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.066520285 6.329192014 13.42097495 1
2 0.494437577 1.516568846 3.131202148 6.64365969 2
3 0.325944577 1 2.065363788 4.384853323 3
4 0.241718928 0.741776787 1.532563277 3.255674137 4
5 0.191200213 0.586891812 1.212977877 2.578345773 5
6 0.157534958 0.483675937 1 0.887356509 6
7 0.133500247 0.409985245 0.847940675 1.804639909 7
8 0.115484618 0.354747773 0.73395541 1.563024587 8
9 0.101481704 0.311812429 0.645352818 1.375200896 9
10 0.090287683 0.277488555 0.574518059 1.225031286 10
11 0.081136487 0.249427547 0.516605326 1.102246402 11
Anul
h= Anul h=
1 0.073517402 0.22606367 0.468384075 1 1
2 0.031880229 0.098348911 0.20469319 0.440528634 2
3 0.018325215 0.056729783 0.11864587 0.257539468 3
4 0.011782328 0.036610855 0.07696611 0.168597587 4
5 0.008035327 0.025066696 0.052986978 0.117195794 5
6 0.005677279 0.017784461 0.037811321 0.08448396 6
7 0.004104234 0.012912942 0.02762063 0.062373541 7
8 0.003013661 0.009524861 0.020502324 0.046813854 8
9 0.002237243 0.007104277 0.015392165 0.035550852 9
10 0.00167398 0.005341504 0.011651134 0.027230538 10
11 0.001259749 0.00403981 0.008872997 0.020991286 11
12 0.000952058 0.003068695 0.00678795 0.01625982 12
13 0.000721803 0.002338654 0.005210609 0.012641163 13
14 0.000548537 0.001786686 0.004010167 0.009855573 14
15 0.000417611 0.001367545 0.003092387 0.007700535 15
16 0.000318367 0.001048218 0.002388263 0.00602687 16
17 0.000242958 0.000804326 0.001846608 0.004723153 17
18 0.000185555 0.000617692 0.001429078 0.003705238 18
19 0.0001418 0.000474666 0.001106718 0.002909023 19
20 0.000108411 0.000364934 0.00085753 0.002285335 20
21 8.29133E-05 0.000280675 0.000664723 0.001796244 21
22 6.34292E-05 0.000215932 0.000515431 0.001412368 22
23 4.85336E-05 0.00016616 0.000399768 0.001110865 23
24 3.71419E-05 0.000127882 0.000310119 0.000873933 24
25 2.84273E-05 9.84347E-05 0.00024061 0.000687663 25
26 2.17594E-05 7.57759E-05 0.000186702 0.000541174 26
27 1.66567E-05 5.83375E-05 0.000144885 0.000425939 27
28 1.27513E-05 4.49148E-05 0.000112442 0.000335273 28
29 9.76195E-06 3.45821E-05 8.72679E-05 0.000263925 29
30 7.47365E-06 2.66274E-05 6.77329E-05 0.000207772 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.068947621 6.34108542 13.47142928 1
2 0.494233937 1.51717114 3.135924861 6.666434624 2
3 0.325675143 1 2.067707825 4.398423019 3
4 0.241418159 0.741480179 1.53372664 3.264657126 4
5 0.190881893 0.586420866 1.213439762 2.584589461 5
6 0.157205979 0.483091787 1 0.883883476 6
7 0.133164544 0.409322822 0.847615695 1.807780205 7
8 0.11514465 0.354028905 0.733391012 1.565206973 8
9 0.10113911 0.311051666 0.644606036 1.376645283 9
10 0.089943609 0.276696077 0.573628814 1.225891603 10
11 0.080791765 0.248610758 0.515602643 1.102634588 11
Anul
h= Anul h=
1 0.073172655 0.225228117 0.46728972 1 1
2 0.031555164 0.097467762 0.203204783 0.438596491 2
3 0.018030254 0.055901989 0.117157496 0.255206207 3
4 0.011518813 0.035857648 0.075570024 0.166235784 4
5 0.007802487 0.024392926 0.051713541 0.114943763 5
6 0.005473464 0.017189021 0.036669327 0.082400285 6
7 0.003927339 0.012391928 0.026609145 0.0604817 7
8 0.002861339 0.009072915 0.0196154 0.045119377 8
9 0.002107049 0.00671531 0.014621152 0.034049293 9
10 0.001563468 0.005009139 0.010986002 0.025911732 10
11 0.001166552 0.003757691 0.008303165 0.019841871 11
12 0.000873938 0.002830695 0.006302841 0.015264834 12
13 0.000656689 0.002139015 0.004800014 0.011785107 13
14 0.000494549 0.001620106 0.00366449 0.009123117 14
15 0.000373064 0.001229226 0.002802794 0.007076994 15
16 0.000281775 0.000933882 0.002146751 0.005498501 16
17 0.000213025 0.000710207 0.001646037 0.00427733 17
18 0.000161164 0.000540514 0.001263148 0.003330534 18
19 0.000121994 0.000411602 0.000969934 0.002595227 19
20 9.23813E-05 0.000313572 0.000745143 0.002023419 20
21 6.99782E-05 0.000238969 0.00057266 0.001578301 21
22 5.30204E-05 0.000182161 0.000440228 0.001231529 22
23 4.0179E-05 0.000138884 0.000338496 0.000961207 23
24 3.04518E-05 0.000105904 0.000260317 0.00075038 24
25 2.30818E-05 8.07646E-05 0.000200219 0.000585891 25
26 1.74969E-05 6.15981E-05 0.000154012 0.000457518 26
27 1.32641E-05 4.69831E-05 0.000118477 0.000357308 27
28 1.00557E-05 3.58375E-05 9.11463E-05 0.000279069 28
29 7.62361E-06 2.73369E-05 7.01236E-05 0.000217975 29
30 5.77991E-06 2.08533E-05 5.39516E-05 0.000170264 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.071372447 6.35295885 13.52174626 1
2 0.494030465 1.517772649 3.140638442 6.689142332 2
3 0.325406006 1 2.070046728 4.411949506 3
4 0.241117809 0.741184119 1.534887152 3.273609398 4
5 0.190564109 0.585950923 1.213900393 2.590810313 5
6 0.15687765 0.482509047 1 0.880450906 6
7 0.132829605 0.408662187 0.847291773 1.810907491 7
8 0.11480556 0.353312187 0.732828605 1.56737978 8
9 0.100797506 0.310293402 0.643862097 1.378082969 9
10 0.089600637 0.275906441 0.572743203 1.226747711 10
11 0.080448256 0.247797144 0.514604346 1.103020775 11
Anul
h= Anul h=
1 0.072829231 0.224396068 0.466200466 1 1
2 0.031232698 0.096593813 0.201728872 0.436681223 2
3 0.017739049 0.0550847 0.115687908 0.252902051 3
4 0.011260051 0.035117799 0.074198128 0.163913225 4
5 0.007575203 0.02373484 0.050468738 0.112739345 5
6 0.0052758 0.016611015 0.035559384 0.080370844 6
7 0.003756978 0.011889513 0.025632081 0.058648974 7
8 0.002715732 0.00864017 0.018764255 0.043487205 8
9 0.001983567 0.006345631 0.01388634 0.03261164 9
10 0.001459511 0.004695708 0.010356671 0.024657004 10
11 0.001079627 0.003493791 0.007768047 0.018755465 11
12 0.000801712 0.002609918 0.00585081 0.014330764 12
13 0.00059703 0.001955404 0.004420459 0.010987062 13
14 0.000445537 0.001468238 0.003347547 0.008445174 14
15 0.000333001 0.001104243 0.002539473 0.006504067 15
16 0.000249178 0.000831502 0.001928999 0.005016619 16
17 0.000186615 0.0006267 0.001466738 0.003873787 17
18 0.000139851 0.000472666 0.001116093 0.002993945 18
19 0.000104856 0.000356676 0.000849762 0.002315514 19
20 7.86457E-05 0.000269255 0.000647266 0.001791756 20
21 5.90032E-05 0.00020332 0.000493188 0.001387031 21
22 4.42755E-05 0.000153566 0.000375881 0.001074063 22
23 3.3229E-05 0.000116006 0.000286532 0.000831915 23
24 2.49414E-05 8.76439E-05 0.000218453 0.000644479 24
25 1.87224E-05 6.62223E-05 0.000166568 0.000499347 25
26 1.4055E-05 5.00401E-05 0.000127017 0.000386941 26
27 1.05516E-05 3.78143E-05 9.68639E-05 0.000299864 27
28 7.92182E-06 2.85767E-05 7.38724E-05 0.000232399 28
29 5.9476E-06 2.15964E-05 5.63402E-05 0.000180122 29
30 4.46548E-06 1.63215E-05 4.29702E-05 0.00013961 30
ra
(1 + ra )h 1
Luna
n= Luna n=
1 1 3.073794772 6.364812433 13.57192746 1
2 0.49382716 1.518373377 3.145342953 6.711783586 2
3 0.325137167 1 2.072380529 4.425433283 3
4 0.240817878 0.740888605 1.536044831 3.282531308 4
5 0.190246861 0.585481979 1.214359778 2.597008591 5
6 0.156549971 0.481927711 1 0.877058019 6
7 0.13249543 0.408003334 0.846968902 1.81402192 7
8 0.114467346 0.352597611 0.732268177 1.569543119 8
9 0.10045689 0.309537628 0.643120982 1.379514033 9
10 0.089258763 0.275119634 0.571861204 1.22759966 10
11 0.080105956 0.246986692 0.513610403 1.103404987 11
Anul
h= Anul h=
1 0.072487127 0.223567509 0.465116279 1 1
2 0.03091282 0.095727023 0.200265352 0.434782609 2
3 0.017451577 0.054277831 0.114236907 0.250626566 3
4 0.011005994 0.034391157 0.07285009 0.161629223 4
5 0.007353396 0.023092192 0.049252063 0.110581548 5
6 0.005084165 0.016050079 0.034480776 0.078394297 6
7 0.003592979 0.011405199 0.02468849 0.056873637 7
8 0.002576617 0.008225989 0.017947691 0.041915205 8
9 0.001866526 0.005994468 0.013186287 0.03123536 9
10 0.001361793 0.004400314 0.00976147 0.02346344 10
11 0.00099862 0.003247101 0.007265771 0.017728816 11
12 0.000735 0.002405272 0.00542983 0.01345407 12
13 0.000542424 0.001786676 0.004069806 0.010243274 13
14 0.000401091 0.001329905 0.003057131 0.007817841 14
15 0.000297012 0.000991418 0.002300198 0.005977775 15
16 0.000220174 0.000739917 0.001732801 0.004577241 16
17 0.000163343 0.000552681 0.001306566 0.003508601 17
18 0.000121251 0.000413083 0.000985857 0.002691659 18
19 9.00451E-05 0.000308889 0.000744257 0.002066229 19
20 6.68918E-05 0.000231057 0.000562085 0.001586885 20
21 4.97037E-05 0.000172882 0.000424629 0.001219192 21
22 3.69386E-05 0.000129379 0.000320859 0.000936962 22
23 2.74555E-05 9.68374E-05 0.000242489 0.000720221 23
24 2.0409E-05 7.24884E-05 0.000183284 0.000553709 24
25 1.5172E-05 5.42661E-05 0.000138548 0.000425749 25
26 1.12795E-05 4.06271E-05 0.000104739 0.000327392 26
27 8.38597E-06 3.04175E-05 7.91839E-05 0.000251776 27
28 6.2349E-06 2.27743E-05 5.98667E-05 0.000193637 28
29 4.6357E-06 1.70521E-05 4.52634E-05 0.000148929 29
30 3.44674E-06 1.27679E-05 3.42231E-05 0.000114548 30
Factorii de anuitate f anu =

(1 + ra )h 1 pentru r =1 %
(1 + ra )h ra
a
Luna
n= Luna n=
1 0.999167361 0.332778856 0.166182304 0.082885055 1
2 1.997502775 0.665280857 0.332226525 0.165701411 2
3 2.995006936 0.997506234 0.498132778 0.248449124 3
4 3.991680535 1.329455218 0.663901178 0.331128252 4
5 4.987524265 1.661128037 0.829531839 0.413738852 5
6 5.982538816 1.992524922 0.995024876 0.496280979 6
7 6.976724879 2.323646102 1.160380402 0.578754691 7
8 7.970083143 2.654491808 1.325598533 0.661160045 8
9 8.962614297 2.985062266 1.490679382 0.743497098 9
10 9.954319032 3.315357708 1.655623063 0.825765905 10
11 10.94519803 3.645378362 1.820429691 0.907966523 11
Anul
h= Anul h=
1 11.93525199 3.975124455 1.985099379 0.99009901 1
2 23.75179545 7.910744875 3.95049566 1.970395059 2
3 35.45081105 11.80725384 5.896384406 2.940985207 3
4 47.03346774 15.66504004 7.82295924 3.901965552 4
5 58.50092282 19.48448828 9.730411861 4.853431239 5
6 69.8543221 23.26597957 11.61893207 5.795476475 6
7 81.09479997 27.00989112 13.48870777 6.728194529 7
8 92.22347957 30.71659638 15.33992502 7.651677752 8
9 103.2414728 34.3864651 17.17276802 8.566017576 9
10 114.1498807 38.01986336 18.98741915 9.471304531 10
11 124.949793 41.61715359 20.78405896 10.36762825 11
12 135.6422889 45.17869463 22.56286622 11.25507747 12
13 146.2284368 48.70484176 24.32401794 12.13374007 13
14 156.7092945 52.19594669 26.06768936 13.00370304 14
15 167.085909 55.65235769 27.79405397 13.86505252 15
16 177.3593173 59.07441952 29.50328355 14.71787378 16
17 187.5305459 62.46247355 31.19554818 15.56225127 17
18 197.6006109 65.81685774 32.87101624 16.39826858 18
19 207.5705187 69.1379067 34.52985445 17.2260085 19
20 217.4412653 72.42595169 36.17222786 18.04555297 20
21 227.213837 75.68132072 37.79829991 18.85698313 21
22 236.8892103 78.9043385 39.40823238 19.66037934 22
23 246.468352 82.09532654 41.00218547 20.45582113 23
24 255.9522191 85.25460315 42.58031778 21.24338726 24
25 265.3417592 88.38248346 44.14278635 22.0231557 25
26 274.6379106 91.47927948 45.68974664 22.79520366 26
27 283.841602 94.54530014 47.22135258 23.55960759 27
28 292.9537531 97.58085126 48.73775657 24.31644316 28
29 301.9752744 100.5862356 50.2391095 25.0657853 29
30 310.9070672 103.5617531 51.72556075 25.80770822 30

(1 + ra )h 1 pentru r =2 %
(1 + ra )h ra
a

1 0.998336106 0.332226525 0.165701411 0.082442904 1
2 1.995011088 0.663901178 0.331128252 0.164749871 2
3 2.990027708 0.995024876 0.496280979 0.246921126 3
4 3.983388727 1.325598533 0.661160045 0.328956892 4
5 4.975096899 1.655623063 0.825765905 0.410857393 5
6 5.965154974 1.985099379 0.99009901 0.492622851 6
7 6.953565698 2.314028391 1.154159813 0.57425349 7
8 7.940331812 2.642411008 1.317948765 0.655749531 8
9 8.925456052 2.970248138 1.481466316 0.737111197 9
10 9.90894115 3.297540687 1.644712916 0.81833871 10
11 10.89078983 3.62428956 1.807689015 0.899432289 11
Anul h= Anul h=
1 11.87100483 3.95049566 1.970395059 0.980392157 1
2 23.50714172 7.82295924 3.901965552 1.941560938 2
3 34.91305756 11.61893207 5.795476475 2.883883273 3
4 46.09330726 15.33992502 7.651677752 3.807728699 4
5 57.05235563 18.98741915 9.471304531 4.713459509 5
6 67.79457914 22.56286622 11.25507747 5.601430891 6
7 78.32426767 26.06768936 13.00370304 6.471991069 7
8 88.64562623 29.50328355 14.71787378 7.32548144 8
9 98.76277663 32.87101624 16.39826858 8.162236706 9
10 108.6797591 36.17222786 18.04555297 8.982585006 10
11 118.400534 39.40823238 19.66037934 9.786848045 11
12 127.9289834 42.58031778 21.24338726 10.57534122 12
13 137.2689122 45.68974664 22.79520366 11.34837375 13
14 146.4240505 48.73775657 24.31644316 12.10624877 14
15 155.3980543 51.72556075 25.80770822 12.8492635 15
16 164.1945074 54.65434839 27.26958947 13.57770931 16
17 172.8169226 57.52528522 28.70266589 14.29187188 17
18 181.2687432 60.33951394 30.10750504 14.99203125 18
19 189.5533445 63.09815466 31.4846633 15.67846201 19
20 197.6740348 65.80230538 32.83468611 16.35143334 20
21 205.6340573 68.45304244 34.15810814 17.01120916 21
22 213.4365907 71.05142086 35.45545352 17.6580482 22
23 221.0847508 73.59847487 36.72723608 18.29220412 23
24 228.5815921 76.09521825 37.97395949 18.9139256 24
25 235.9301083 78.54264477 39.19611753 19.52345647 25
26 243.133234 80.94172854 40.39419423 20.12103576 26
27 250.1938458 83.29342446 41.56866408 20.7068978 27
28 257.1147634 85.59866856 42.71999224 21.28127236 28
29 263.8987506 87.85837838 43.84863468 21.84438466 29
30 270.5485165 90.07345333 44.95503841 22.39645555 30

(1 + ra )h 1 pentru r =3 %
(1 + ra )h ra
a

1 0.997506234 0.331676329 0.165223947 0.082006742 1
2 1.992524922 0.662527588 0.330038409 0.16381173 2
3 2.985062266 0.992555831 0.494444402 0.245415462 3
4 3.975124455 1.321763105 0.658442938 0.326818432 4
5 4.962717661 1.650151452 0.822035026 0.408021134 5
6 5.947848041 1.977722909 0.985221675 0.489024061 6
7 6.930521737 2.304479509 1.148003888 0.569827705 7
8 7.910744875 2.630423278 1.310382669 0.650432555 8
9 8.888523566 2.955556238 1.472359017 0.730839101 9
10 9.863863906 3.279880406 1.633933929 0.811047831 10
11 10.83677198 3.603397794 1.7951084 0.891059231 11
Anul h= Anul h=
1 11.80725384 3.92611041 1.955883424 0.970873786 1
2 23.26597957 7.736613247 3.854384648 1.913469696 2
3 34.3864651 11.43491267 5.697187165 2.828611355 3
4 45.17869463 15.02431261 7.48592508 3.717098403 4
5 55.65235769 18.50801969 9.222184552 4.579707187 5
6 65.81685774 21.88914614 10.90750521 5.417191444 6
7 75.68132072 25.17071251 12.5433815 6.230282955 7
8 85.25460315 28.35565045 14.13126405 7.01969219 8
9 94.54530014 31.44680525 15.67256089 7.786108922 9
10 103.5617531 34.44693844 17.16863879 8.530202837 10
11 112.3120572 37.35873022 18.62082437 9.252624113 11
12 120.8040686 40.18478189 20.03040537 9.954003994 12
13 129.0454117 42.92761812 21.39863172 10.63495533 13
14 137.0434857 45.58968926 22.72671671 11.29607314 14
15 144.8054715 48.17337352 24.01583801 11.93793509 15
16 152.3383379 50.68097906 25.26713874 12.56110203 16
17 159.6488482 53.11474607 26.48172849 13.16611847 17
18 166.7435658 55.4768488 27.66068431 13.75351308 18
19 173.6288607 57.76939746 28.80505163 14.32379911 19
20 180.3109144 59.99444012 29.9158452 14.87747486 20
21 186.7957264 62.15396456 30.99405004 15.41502414 21
22 193.0891189 64.24990002 32.04062223 15.93691664 22
23 199.1967421 66.28411892 33.05648983 16.44360839 23
24 205.1240797 68.25843856 34.04255365 16.93554212 24
25 210.8764533 70.17462272 34.99968807 17.41314769 25
26 216.4590276 72.03438325 35.92874185 17.87684242 26
27 221.8768148 73.8393816 36.83053882 18.32703147 27
28 227.1346789 75.59123027 37.70587863 18.76410823 28
29 232.2373407 77.29149431 38.55553751 19.18845459 29
30 237.1893815 78.94169267 39.38026889 19.60044135 30

(1 + ra )h 1 pentru r =4 %
(1 + ra )h ra
a

1 0.996677741 0.331128252 0.164749871 0.081576435 1
2 1.99004426 0.661160045 0.328956892 0.16288668 2
3 2.980110558 0.99009901 0.492622851 0.243931606 3
4 3.966887599 1.317948765 0.655749531 0.324712078 4
5 4.950386312 1.644712916 0.81833871 0.405228959 5
6 5.930617586 1.970395059 0.980392157 0.485483108 6
7 6.907592279 2.294998777 1.141911638 0.565475383 7
8 7.881321208 2.61852764 1.302898914 0.645206639 8
9 8.851815158 2.940985207 1.463355736 0.724677727 9
10 9.819084875 3.262375027 1.623283854 0.803889497 10
11 10.78314107 3.582700633 1.782685009 0.882842794 11
Anul h= Anul h=
1 11.74399442 3.901965552 1.941560938 0.961538462 1
2 23.02825083 7.651677752 3.807728699 1.886094675 2
3 33.87076642 11.25507747 5.601430891 2.775091033 3
4 44.28883387 14.71787378 7.32548144 3.629895224 4
5 54.2990689 18.04555297 8.982585006 4.451822331 5
6 63.91743678 21.24338726 10.57534122 5.242136857 6
7 73.1592778 24.31644316 12.10624877 6.00205467 7
8 82.03933172 27.26958947 13.57770931 6.732744875 8
9 90.5717613 30.10750504 14.99203125 7.435331611 9
10 98.77017486 32.83468611 16.35143334 8.110895779 10
11 106.647648 35.45545352 17.6580482 8.760476711 11
12 114.2167445 37.97395949 18.9139256 9.38507376 12
13 121.4895362 40.39419423 20.12103576 9.985647847 13
14 128.4776225 42.71999224 21.28127236 10.56312293 14
15 135.1921487 44.95503841 22.39645555 11.11838743 15
16 141.6438236 47.10287385 23.46833482 11.65229561 16
17 147.8429371 49.16690149 24.49859172 12.16566885 17
18 153.7993761 51.15039148 25.48884248 12.65929697 18
19 159.5226405 53.05648638 26.4406406 13.1339394 19
20 165.0218582 54.88820611 27.35547924 13.59032634 20
21 170.3058001 56.64845276 28.23479358 14.02915995 21
22 175.3828933 58.3400152 29.07996307 14.45111533 22
23 180.2612353 59.96557346 29.8923136 14.85684167 23
24 184.9486066 61.52770299 30.67311957 15.24696314 24
25 189.452483 63.02887877 31.42360589 15.62207994 25
26 193.7800477 64.47147918 32.14494992 15.98276918 26
27 197.9382028 65.85778983 32.83828327 16.32958575 27
28 201.9335801 67.1900071 33.50469365 16.66306322 28
29 205.7725517 68.47024172 34.1452265 16.98371463 29
30 209.4612405 69.70052203 34.76088668 17.2920333 30

(1 + ra )h 1 pentru r =5 %
(1 + ra )h ra
a

1 0.995850622 0.330582283 0.164279145 0.081151853 1
2 1.987569085 0.659798509 0.3278836 0.161974425 2
3 2.975172532 0.987654321 0.490816134 0.242469052 3
4 3.958678041 1.314155342 0.653079508 0.322637064 4
5 4.938102613 1.639307169 0.81467647 0.402479787 5
6 5.913463183 1.963115379 0.975609756 0.481998541 6
7 6.884776614 2.285585523 1.135882093 0.56119464 7
8 7.852059698 2.60672313 1.295496195 0.640069394 8
9 8.81532916 2.926533707 1.454454765 0.718624106 9
10 9.774601653 3.245022738 1.612760496 0.796860075 10
11 10.72989376 3.562195684 1.770416068 0.874778595 11
Anul h= Anul h=
1 11.681222 3.878057983 1.927424152 0.952380952 1
2 22.79389839 7.568124294 3.761974208 1.859410431 2
3 33.36570128 11.07931197 5.508125362 2.723248029 3
4 43.42295594 14.42029227 7.170137167 3.545950504 4
5 52.99070632 17.59931613 8.752063931 4.329476671 5
6 62.09277748 20.62423451 10.2577646 5.075692067 6
7 70.75183482 23.50251778 11.69091217 5.786373397 7
8 78.98944062 26.24127418 13.05500266 6.463212759 8
9 86.82610765 28.84726737 14.35336363 7.107821676 9
10 94.28135033 31.32693316 15.58916229 7.721734929 10
11 101.3737332 33.68639536 16.76541324 8.306414218 11
12 108.1209174 35.93148091 17.88498583 8.863251636 12
13 114.5397042 38.06773431 18.95061114 9.393572987 13
14 120.6460774 40.10043128 19.96488866 9.89864094 14
15 126.4552427 42.03459179 20.93029259 10.37965804 15
16 131.9816657 43.87499247 21.84917796 10.83776956 16
17 137.239108 45.6261784 22.72378628 11.27406625 17
18 142.2406613 47.29247431 23.55625107 11.6895869 18
19 146.9987802 48.87799533 24.34860304 12.08532086 19
20 151.5253131 50.38665706 25.10277505 12.46221034 20
21 155.8315317 51.82218532 25.82060683 12.82115271 21
22 159.928159 53.18812531 26.50384945 13.16300258 22
23 163.8253963 54.48785037 27.15416962 13.48857388 23
24 167.5329482 55.72457031 27.77315371 13.79864179 24
25 171.060047 56.90133936 28.36231168 14.09394457 25
26 174.4154758 58.02106368 28.92308072 14.3751853 26
27 177.6075899 59.08650855 29.45682876 14.64303362 27
28 180.6443382 60.1003052 29.96485784 14.89812726 28
29 183.5332826 61.06495733 30.44840722 15.14107358 29
30 186.281617 61.98284725 30.90865649 15.37245103 30

(1 + ra )h 1 pentru r =6%
(1 + ra )h ra
a

1 0.995024876 0.330038409 0.16381173 0.080732871 1
2 1.985099379 0.658442938 0.326818432 0.161074675 2
3 2.970248138 0.985221675 0.489024061 0.241027305 3
4 3.95049566 1.310382669 0.650432555 0.320592647 4
5 4.925866328 1.633933929 0.811047831 0.399772577 5
6 5.896384406 1.955883424 0.970873786 0.478568961 6
7 6.862074036 2.276239083 1.129914301 0.556983657 7
8 7.82295924 2.595008797 1.288173235 0.635018515 8
9 8.77906392 2.912200417 1.445654428 0.712675375 9
10 9.730411861 3.227821756 1.602361704 0.789956066 10
11 10.67702673 3.541880588 1.758298865 0.866862412 11
Anul h= Anul h=
1 11.61893207 3.854384648 1.913469696 0.943396226 1
2 22.56286622 7.48592508 3.717098403 1.833392666 2
3 32.87101624 10.90750521 5.417191444 2.673011949 3
4 42.58031778 14.13126405 7.01969219 3.465105613 4
5 51.72556075 17.16863879 8.530202837 4.212363786 5
6 60.33951394 20.03040537 9.954003994 4.917324326 6
7 68.45304244 22.72671671 11.29607314 5.58238144 7
8 76.09521825 25.26713874 12.56110203 6.209793811 8
9 83.29342446 27.66068431 13.75351308 6.801692274 9
10 90.07345333 29.9158452 14.87747486 7.360087051 10
11 96.45959872 32.04062223 15.93691664 7.886874577 11
12 102.4747432 34.04255365 16.93554212 8.38384394 12
13 108.1404398 35.92874185 17.87684242 8.852682963 13
14 113.4769898 37.70587863 18.76410823 9.294983927 14
15 118.5035147 39.38026889 19.60044135 9.712248988 15
16 123.2380253 40.95785298 20.38876553 10.10589527 16
17 127.6974861 42.44422783 21.13183668 10.47725969 17
18 131.8978761 43.84466677 21.8322525 10.82760348 18
19 135.8542459 45.16413826 22.49246159 11.15811649 19
20 139.5807717 46.40732349 23.11477197 11.46992122 20
21 143.0908062 47.57863301 23.7013592 11.76407662 21
22 146.3969265 48.68222237 24.25427392 12.04158172 22
23 149.5109789 49.72200686 24.77544907 12.30337898 23
24 152.4441214 50.70167541 25.26670664 12.55035753 24
25 155.206864 51.62470367 25.72976401 12.78335616 25
26 157.809106 52.49436634 26.16623999 13.00316619 26
27 160.2601717 53.31374879 26.57766047 13.21053414 27
28 162.5688435 54.08575801 26.96546373 13.40616428 28
29 164.7433938 54.81313293 27.33100549 13.59072102 29
30 166.7916144 55.49845411 27.67556367 13.76483115 30

(1 + ra )h 1 pentru r =7 %
(1 + ra )h ra
a

1 0.994200497 0.329496616 0.163347588 0.080319368 1
2 1.982635126 0.657093292 0.32576129 0.160187152 2
3 2.965337324 0.982800983 0.487246447 0.239605891 3
4 3.942340339 1.306630581 0.647808366 0.31857811 4
5 4.913677222 1.628592916 0.807452326 0.397106318 5
6 5.879380834 1.948698755 0.966183575 0.475193014 6
7 6.839483845 2.266958802 1.124007331 0.552840678 7
8 7.794018735 2.583383701 1.280928783 0.630051779 8
9 8.743017798 2.897984034 1.436953089 0.706828772 9
10 9.686513138 3.210770321 1.592085378 0.783174097 10
11 10.62453667 3.521753023 1.74633075 0.859090182 11
Anul h= Anul h=
1 11.55712014 3.83094254 1.899694275 0.934579439 1
2 22.3350993 7.405052966 3.673079209 1.808018168 2
3 32.38646445 10.73954969 5.32855302 2.624316044 3
4 41.76020141 13.85049677 6.873955537 3.387211256 4
5 50.5019935 16.7528813 8.316605323 4.100197436 5
6 58.65444427 19.46068565 9.663334335 4.76653966 6
7 66.25728507 21.98695474 10.92052028 5.389289402 7
8 73.34756869 24.34385897 12.09411681 5.971298506 8
9 79.95984996 26.54275283 13.18968173 6.515232249 9
10 86.12635414 28.59422955 14.2124033 7.023581541 10
11 91.87713399 30.50817221 15.16712484 7.498674337 11
12 97.24021619 32.29380129 16.0583676 7.942686297 12
13 102.241738 33.95971913 16.89035226 8.357650744 13
14 106.9060745 35.51395135 17.66701885 8.745467985 14
15 111.2559576 36.96398552 18.39204541 9.107914005 15
16 115.3125867 38.31680723 19.06886547 9.446648603 16
17 119.0957319 39.57893375 19.70068423 9.763222993 17
18 122.6238306 40.75644542 20.29049381 10.05908691 18
19 125.914077 41.85501495 20.84108736 10.33559524 19
20 128.9825065 42.87993474 21.35507234 10.59401425 20
21 131.8440731 43.83614237 21.83488281 10.83552733 21
22 134.5127228 44.72824441 22.28279102 11.0612405 22
23 137.0014613 45.5605386 22.70091813 11.27218738 23
24 139.3224178 46.33703455 23.09124425 11.469334 24
25 141.4869034 47.06147304 23.45561787 11.65358318 25
26 143.5054669 47.7373441 23.79576454 11.82577867 26
27 145.3879458 48.36790375 24.1132951 11.98670904 27
28 147.1435145 48.95618974 24.40971327 12.13711125 28
29 148.7807289 49.50503616 24.68642281 12.27767407 29
30 150.3075679 50.01708709 24.94473412 12.40904118 30

(1 + ra )h ra
a

1 0.993377483 0.328956892 0.16288668 0.079911225 1
2 1.980176308 0.655749531 0.324712078 0.159311586 2
3 2.960440041 0.980392157 0.485483108 0.238204348 3
4 3.934211961 1.302898914 0.645206639 0.316592757 4
5 4.901535061 1.623283854 0.803889497 0.394480037 5
6 5.862452047 1.941560938 0.961538462 0.471869392 6
7 6.817005345 2.257744033 1.11816027 0.548764004 7
8 7.765237098 2.571846916 1.273761614 0.625167037 8
9 8.70718917 2.883883273 1.428349142 0.701081633 9
10 9.642903149 3.193866699 1.581929461 0.776510915 10
11 10.57242035 3.501810702 1.734509131 0.851457985 11
Anul h= Anul h=
1 11.4957818 3.807728699 1.886094675 0.925925926 1
2 22.11054361 7.32548144 3.629895224 1.783264746 2
3 31.91180551 10.57534122 5.242136857 2.577096987 3
4 40.96191296 13.57770931 6.732744875 3.31212684 4
5 49.31843334 16.35143334 8.110895779 3.992710037 5
6 57.03452215 18.9139256 9.38507376 4.622879664 6
7 64.15926114 21.28127236 10.56312293 5.206370059 7
8 70.73797049 23.46833482 11.65229561 5.746638944 8
9 76.81249714 25.48884248 12.65929697 6.246887911 9
10 82.42148089 27.35547924 13.59032634 6.710081399 10
11 87.60060029 29.07996307 14.45111533 7.138964258 11
12 92.38279952 30.67311957 15.24696314 7.536078017 12
13 96.79849795 32.14494992 15.98276918 7.903775942 13
14 100.8757837 33.50469365 16.66306322 8.244236983 14
15 104.6405922 34.76088668 17.2920333 8.559478688 15
16 108.1168712 35.92141486 17.8735515 8.851369155 16
17 111.3267333 36.99356351 18.41119776 9.121638107 17
18 114.2905962 37.98406314 18.90828195 9.371887136 18
19 117.0273129 38.8991317 19.36786423 9.6035992 19
20 119.5542917 39.74451359 19.79277388 9.818147407 20
21 121.8876065 40.52551579 20.18562674 10.01680316 21
22 124.0420994 41.2470411 20.54884129 10.20074366 22
23 126.0314752 41.91361895 20.88465356 10.37105895 23
24 127.8683881 42.52943386 21.19513088 10.52875828 24
25 129.5645226 43.09835164 21.48218462 10.67477619 25
26 131.1306679 43.62394373 21.74758193 10.80997795 26
27 132.576786 44.10950958 21.99295667 10.93516477 27
28 133.9120758 44.55809737 22.2198194 11.05107849 28
29 135.1450309 44.97252314 22.42956676 11.15840601 29
30 136.2834941 45.3553885 22.62348997 11.25778334 30

(1 + ra )h ra
a

1 0.992555831 0.328419224 0.162428972 0.079508328 1
2 1.977722909 0.654411616 0.323670701 0.158447714 2
3 2.955556238 0.97799511 0.483733865 0.23682223 3
4 3.92611041 1.299187505 0.642627079 0.314635917 4
5 4.889439612 1.618006471 0.800358894 0.39189279 5
6 5.84559763 1.934469545 0.956937799 0.468596831 6
7 6.794637846 2.248594137 1.112372222 0.544751997 7
8 7.736613247 2.560397527 1.266670527 0.620362216 8
9 8.671576424 2.869896866 1.419841019 0.695431388 9
10 9.599579577 3.177109181 1.571891941 0.769963383 10
11 10.52067452 3.482051371 1.722831477 0.843962046 11
Anul h= Anul h=
1 11.43491267 3.784740211 1.87266775 0.917431193 1
2 21.88914614 7.247184607 3.587525698 1.759111186 2
3 31.44680525 10.41477882 5.157872483 2.531294666 3
4 40.18478189 13.31263131 6.595886067 3.239719877 4
5 48.17337352 15.96371237 7.912718177 3.889651263 5
6 55.4768488 18.38903624 9.118580781 4.48591859 6
7 62.15396456 20.60782764 10.22282528 5.032952835 7
8 68.25843856 22.63767419 11.23401505 5.534819115 8
9 73.8393816 24.49466579 12.1599918 5.995246894 9
10 78.94169267 26.19352221 13.00793645 6.417657701 10
11 83.60642013 27.74770969 13.78442476 6.805190552 11
12 87.87109195 29.16954777 14.49547837 7.160725277 12
13 91.77001765 30.47030687 15.14661145 7.486903924 13
14 95.33456429 31.66029768 15.74287351 7.786150389 14
15 98.59340884 32.74895285 16.28888854 8.06068843 15
16 101.5727689 33.74490179 16.78889086 8.312558193 16
17 104.2966135 34.65603905 17.24675796 8.543631369 17
18 106.7868561 35.48958691 17.66604058 8.755625109 18
19 109.063531 36.25215262 18.04999023 8.950114779 19
20 111.144954 36.94978079 18.40158442 9.128545669 20
21 113.0478704 37.58800127 18.72354975 9.292243733 21
22 114.7875891 38.17187304 19.01838305 9.442425443 22
23 116.3781063 38.70602423 19.28837074 9.580206829 23
24 117.8322179 39.1946889 19.53560654 9.706611769 24
25 119.1616222 39.64174052 19.76200778 9.822579605 25
26 120.3770143 40.05072272 19.96933017 9.928972115 26
27 121.4881721 40.42487737 20.15918149 10.02657992 27
28 122.504035 40.76717025 20.33303404 10.11612837 28
29 123.4327756 41.08031462 20.49223602 10.19828291 29
30 124.2818657 41.36679266 20.63802204 10.27365404 30

(1 + ra )h 1 pentru r =10 %
(1 + ra )h ra
a

1 0.991735537 0.3278836 0.161974425 0.079110566 1
2 1.975274913 0.653079508 0.322637064 0.157595283 2
3 2.950685864 0.975609756 0.481998541 0.235459103 3
4 3.918035568 1.295496195 0.640069394 0.312706938 4
5 4.877390646 1.612760496 0.796860075 0.389343662 5
6 5.828817169 1.927424152 0.952380952 0.465374108 6
7 6.772380664 2.239508483 1.106642309 0.540803072 7
8 7.708146113 2.54903463 1.259654347 0.615635314 8
9 8.636177963 2.856023563 1.411427182 0.689875554 9
10 9.556540129 3.160496081 1.561970851 0.763528475 10
11 10.469296 3.46247281 1.71129531 0.836598723 11
Anul h= Anul h=
1 11.37450843 3.761974208 1.859410431 0.909090909 1
2 21.67085483 7.170137167 3.545950504 1.73553719 2
3 30.99123559 10.2577646 5.075692067 2.486851991 3
4 39.42816009 13.05500266 6.463212759 3.169865446 4
5 47.06536902 15.58916229 7.721734929 3.790786769 5
6 53.97866548 17.88498583 8.863251636 4.355260699 6
7 60.23666736 19.96488866 9.89864094 4.868418818 7
8 65.90148845 21.84917796 10.83776956 5.334926198 8
9 71.02935491 23.55625107 11.6895869 5.759023816 9
10 75.67116337 25.10277505 12.46221034 6.144567106 10
11 79.87298608 26.50384945 13.16300258 6.495061005 11
12 83.67652823 27.77315371 13.79864179 6.813691823 12
13 87.11954186 28.92308072 14.3751853 7.103356203 13
14 90.2362006 29.96485784 14.89812726 7.366687457 14
15 93.05743882 30.90865649 15.37245103 7.606079506 15
16 95.61125873 31.76369148 15.80267667 7.823708642 16
17 97.92300826 32.53831099 16.19290401 8.021553311 17
18 100.0156327 33.24007803 16.54685171 8.201412101 18
19 101.9099023 33.87584433 16.86789271 8.364920092 19
20 103.6246187 34.45181722 17.15908635 8.51356372 20
21 105.1768013 34.97362023 17.42320758 8.648694291 21
22 106.5818563 35.44634801 17.66277331 8.771540264 22
23 107.8537295 35.87461604 17.8800665 8.883218422 23
24 109.005045 36.26260574 18.07715782 8.98474402 24
25 110.0472301 36.61410526 18.25592546 9.077040018 25
26 110.9906289 36.93254648 18.41807298 9.160945471 26
27 111.8446053 37.22103851 18.56514556 9.237223156 27
28 112.6176354 37.48239804 18.69854473 9.306566505 28
29 113.3173918 37.71917688 18.8195417 9.369605914 29
30 113.95082 37.93368683 18.92928953 9.426914467 30

(1 + ra )h 1 pentru r =11 %
(1 + ra )h ra
a

1 0.990916598 0.327350006 0.161523004 0.07871783 1
2 1.972832302 0.651753167 0.321611076 0.156754046 2
3 2.94582887 0.97323601 0.480276963 0.234114549 3
4 3.90998732 1.291824824 0.6375333 0.31080519 4
5 4.865387931 1.607545661 0.793392608 0.38683177 5
6 5.812110253 1.92042434 0.947867299 0.462200039 6
7 6.750233116 2.230486446 1.100969672 0.536915696 7
8 7.679834632 2.537757335 1.252711921 0.610984394 8
9 8.600992204 2.842262132 1.403106126 0.684411734 9
10 9.513782531 3.144025739 1.552164265 0.75720327 10
11 10.41828162 3.443072832 1.699898207 0.829364506 11
Anul h= Anul h=
1 11.31456477 3.739427865 1.846319714 0.900900901 1
2 21.4556186 7.09431441 3.505150122 1.712523334 2
3 30.54487433 10.10420366 4.995530309 2.443714715 3
4 38.69142114 12.80457315 6.334565988 3.10244569 4
5 45.99303383 15.22725213 7.537625829 3.695897018 5
6 52.5373463 17.4007967 8.618517849 4.230537854 6
7 58.40290334 19.3508264 9.589647895 4.712196265 7
8 63.66010331 21.10032623 10.46216203 5.146122761 8
9 68.37204309 22.66991753 11.24607447 5.537047532 9
10 72.59527536 24.07810106 11.95038248 5.889232011 10
11 76.3804873 25.34147507 12.58316973 6.206515325 11
12 79.773109 26.47493094 13.15169895 6.492356149 12
13 82.81385869 27.49182871 13.66249541 6.749870404 13
14 85.53923142 28.40415454 14.12142172 6.981865229 14
15 87.9819371 29.22266201 14.53374517 7.190869576 15
16 90.17129305 29.95699887 14.90419817 7.37916178 16
17 92.13357591 30.61582074 15.23703257 7.548794396 17
18 93.89233698 31.20689314 15.53606843 7.701616573 18
19 95.46868491 31.73718304 15.80473793 7.83929421 19
20 96.88153901 32.21294098 16.04612469 7.963328117 20
21 98.14785634 32.63977469 16.2629992 8.075070376 21
22 99.28283523 33.02271527 16.45785063 8.175739077 22
23 100.3000977 33.36627644 16.63291537 8.266431601 23
24 101.2118529 33.67450775 16.79020271 8.348136578 24
25 102.0290437 33.95104232 16.9315179 8.421744665 25
26 102.7614781 34.19913966 17.05848287 8.488058256 26
27 103.4179467 34.42172409 17.17255486 8.547800231 27
28 104.0063285 34.62141921 17.27504311 8.60162183 28
29 104.5336851 34.80057884 17.36712393 8.650109757 29
30 105.006346 34.96131471 17.44985416 8.693792573 30

(1 + ra )h 1 pentru r =12 %
(1 + ra )h ra
a

1 0.99009901 0.326818432 0.161074675 0.078330017 1
2 1.970395059 0.650432555 0.320592647 0.155923763 2
3 2.940985207 0.970873786 0.478568961 0.232788159 3
4 3.901965552 1.288173235 0.635018515 0.30893006 4
5 4.853431239 1.602361704 0.789956066 0.384356258 5
6 5.795476475 1.913469696 0.943396226 0.459073479 6
7 6.728194529 2.221527412 1.095353467 0.533088388 7
8 7.651677752 2.526564761 1.24584212 0.606407587 8
9 8.566017576 2.828611355 1.394876378 0.679037614 9
10 9.471304531 3.127696517 1.542470298 0.750984947 10
11 10.36762825 3.423849283 1.688637798 0.822256005 11
Anul h= Anul h=
1 11.25507747 3.717098403 1.833392666 0.892857143 1
2 21.24338726 7.01969219 3.465105613 1.69005102 2
3 30.10750504 9.954003994 4.917324326 2.401831268 3
4 37.97395949 12.56110203 6.209793811 3.037349347 4
5 44.95503841 14.87747486 7.360087051 3.604776202 5
6 51.15039148 16.93554212 8.38384394 4.111407324 6
7 56.64845276 18.76410823 9.294983927 4.563756539 7
8 61.52770299 20.38876553 10.10589527 4.967639767 8
9 65.85778983 21.8322525 10.82760348 5.328249792 9
10 69.70052203 23.11477197 11.46992122 5.650223028 10
11 73.11075175 24.25427392 12.04158172 5.937699133 11
12 76.13715747 25.26670664 12.55035753 6.194374225 12
13 78.82293889 26.16623999 13.00316619 6.423548416 13
14 81.20643352 26.96546373 13.40616428 6.628168228 14
15 83.32166399 27.67556367 13.76483115 6.810864489 15
16 85.19882363 28.30647826 14.08404339 6.973986151 16
17 86.8647075 28.86703771 14.36814114 7.119630492 17
18 88.34309484 29.36508752 14.62098713 7.249670082 18
19 89.65508855 29.80759833 14.84601916 7.365776859 19
20 90.81941635 30.20076345 15.04629687 7.469443624 20
21 91.85269815 30.55008556 15.22454332 7.562003236 21
22 92.76968329 30.86045374 15.38318202 7.644645746 22
23 93.58346103 31.13621184 15.5243699 7.718433702 23
24 94.30564747 31.38121934 15.65002661 7.784315806 24
25 94.94655125 31.59890534 15.76186064 7.843139112 25
26 95.51532083 31.79231652 15.86139252 7.895659921 26
27 96.02007494 31.96415986 15.94997554 7.942553501 27
28 96.46801859 32.11684043 16.02881412 7.984422769 28
29 96.86554583 32.25249515 16.09898017 8.021806044 29
30 97.21833108 32.37302261 16.16142771 8.055183968 30

(1 + ra )h 1 pentru r =13 %
(1 + ra )h ra
a

1 0.98928277 0.326288864 0.160629402 0.077947025 1
2 1.967963169 0.649117634 0.319581687 0.155104204 2
3 2.936154825 0.968523002 0.476874366 0.231479541 3
4 3.893970148 1.284541272 0.632524765 0.307080957 4
5 4.841520345 1.597208362 0.786550033 0.381916296 5
6 5.778915428 1.906559809 0.938967136 0.45599332 6
7 6.706264232 2.212630772 1.089792866 0.529319713 7
8 7.623674425 2.515456041 1.239043838 0.601903082 8
9 8.531252523 2.815070033 1.386736494 0.673750955 9
10 9.429103898 3.111506801 1.532887104 0.744870785 10
11 10.31733279 3.40480004 1.677511768 0.81526995 11
Anul h= Anul h=
1 11.19604233 3.694983082 1.820626419 0.884955752 1
2 21.03411156 6.946246915 3.425798602 1.668102436 2
3 29.67891685 9.807076391 4.841013557 2.361152598 3
4 37.27518975 12.32435758 6.088750959 2.974471326 4
5 43.95010723 14.53934615 7.188830223 3.517231262 5
6 49.8154209 16.48834349 8.158725317 3.997549789 6
7 54.96932798 18.20329169 9.01384233 4.422610433 7
8 59.49811532 19.71229699 9.767764183 4.798770294 8
9 63.47760396 21.04009045 10.43246638 5.131655128 9
10 66.9744186 22.20843324 11.01850725 5.426243476 10
11 70.04710298 23.2364733 11.53519562 5.686941129 11
12 72.74710007 24.14105917 11.99073871 5.917647017 12
13 75.11961327 24.93701609 12.39237251 6.121811519 13
14 77.20436326 25.63738896 12.74647668 6.30248807 14
15 79.03625297 26.25365619 13.05867591 6.462378823 15
16 80.64595193 26.79591777 13.33392925 6.603875065 16
17 82.06040977 27.27306081 13.57660892 6.729092978 17
18 83.30330737 27.6929052 13.7905697 6.83990529 18
19 84.39545335 28.06233175 13.97921021 6.937969283 19
20 85.35513244 28.387395 14.14552687 7.024751578 20
21 86.19841162 28.67342239 14.29216149 7.101550069 21
22 86.93940907 28.92510163 14.42144327 7.169513335 22
23 87.59053061 29.14655747 14.53542575 7.229657819 23
24 88.16267731 29.34141936 14.63591946 7.282883026 24
25 88.66542808 29.51288088 14.72452067 7.329984978 25
26 89.10719998 29.66375211 14.80263675 7.371668123 26
27 89.49538916 29.79650567 14.87150852 7.408555861 27
28 89.8364947 29.91331726 14.93222996 7.441199877 28
29 90.13622739 30.0161013 14.98576557 7.470088386 29
30 90.39960537 30.10654232 15.03296574 7.495653439 30

(1 + ra )h 1 pentru r =14 %
(1 + ra )h ra
a

1 0.988467875 0.32576129 0.160187152 0.077568755 1
2 1.965536614 0.647808366 0.31857811 0.154295143 2
3 2.931337675 0.966183575 0.475193014 0.23018831 3
4 3.886000996 1.280928783 0.630051779 0.305257307 4
5 4.829655021 1.592085378 0.783174097 0.379511082 5
6 5.76242671 1.899694275 0.934579439 0.452958489 6
7 6.684441558 2.203795925 1.084287058 0.525608284 7
8 7.595823616 2.504430316 1.23231599 0.59746913 8
9 8.496695502 2.801636981 1.378685059 0.668549594 9
10 9.38717842 3.095455 1.523412877 0.738858151 10
11 10.26739218 3.385923011 1.666517848 0.808403183 11
Anul h= Anul h=
1 11.1374552 3.673079209 1.808018168 0.877192982 1
2 20.82774314 6.873955537 3.387211256 1.646660511 2
3 29.25890435 9.663334335 4.76653966 2.321632027 3
4 36.59454596 12.09411681 5.971298506 2.913712304 4
5 42.97701647 14.2124033 7.023581541 3.433080969 5
6 48.53016806 16.0583676 7.942686297 3.888667517 6
7 53.36175991 17.66701885 8.745467985 4.288304839 7
8 57.56554932 19.06886547 9.446648603 4.638863894 8
9 61.22311104 20.29049381 10.05908691 4.946371837 9
10 64.40542025 21.35507234 10.59401425 5.216115646 10
11 67.17422982 22.28279102 11.0612405 5.452733023 11
12 69.58326864 23.09124425 11.469334 5.660292125 12
13 71.67928424 23.79576454 11.82577867 5.842361514 13
14 73.50294991 24.40971327 12.13711125 6.002071503 14
15 75.08965398 24.94473412 12.40904118 6.142167985 15
16 76.47018651 25.41097388 12.64655532 6.265059636 16
17 77.67133682 25.81727489 12.85400936 6.37285933 17
18 78.71641329 26.17134275 13.03520776 6.467420465 18
19 79.62569568 26.47989244 13.19347345 6.550368829 19
20 80.41682866 26.74877567 13.33170884 6.623130552 20
21 81.10516422 26.98309186 13.45244898 6.686956624 21
22 81.70405954 27.18728489 13.5579081 6.742944407 22
23 82.2251362 27.36522732 13.65002018 6.792056498 23
24 82.67850574 27.52029387 13.73047443 6.835137279 24
25 83.07296582 27.6554254 13.80074629 6.872927437 25
26 83.41617094 27.77318473 13.86212446 6.906076699 26
27 83.71478103 27.87580518 13.91573453 6.935154999 27
28 83.97459062 27.96523297 13.96255964 6.96066228 28
29 84.20064134 28.04316413 14.0034585 6.983037088 29
30 84.39731972 28.11107663 14.03918115 7.002664112 30

(1 + ra )h 1 pentru r =15 %
(1 + ra )h ra
a

1 0.987654321 0.325235699 0.159747891 0.077195112 1
2 1.963115379 0.646504713 0.317581828 0.153496361 2
3 2.926533707 0.963855422 0.473524742 0.228914097 3
4 3.878057983 1.277335613 0.62759929 0.303458552 4
5 4.817835045 1.586992495 0.779827856 0.377139836 5
6 5.746009921 1.892872696 0.930232558 0.449967945 6
7 6.662725847 2.195022278 1.078835248 0.521952758 7
8 7.568124294 2.493486742 1.225657514 0.59310404 8
9 8.462344982 2.788311032 1.37072069 0.663431441 9
10 9.345525908 3.079539545 1.514045851 0.732944504 10
11 10.21780337 3.367216137 1.65565382 0.801652656 11
Anul h= Anul h=
1 11.07931197 3.651384127 1.79556517 0.869565217 1
2 20.62423451 6.802795528 3.34932627 1.625708885 2
3 28.84726737 9.522693919 4.69384642 2.283225117 3
4 35.93148091 11.87016504 5.857303555 2.854978363 4
5 42.03459179 13.89620421 6.864080956 3.352155098 5
6 47.29247431 15.64482411 7.735278275 3.784482694 6
7 51.82218532 17.15401089 8.489153726 4.160419734 7
8 55.72457031 18.45654941 9.14150674 4.487321508 8
9 59.08650855 19.58073535 9.706009077 4.77158392 9
10 61.98284725 20.55098999 10.19449136 5.018768626 10
11 64.47806795 21.38839067 10.61719101 5.233711849 11
12 66.62772204 22.11112866 10.9829668 5.420618999 12
13 68.47966753 22.73490438 11.29948452 5.583146955 13
14 70.0751345 23.27326842 11.57337763 5.724475613 14
15 71.44964301 23.73791594 11.81038627 5.847370099 15
16 72.63379392 24.13894071 12.01547757 5.954234868 16
17 73.65395011 24.4850544 12.19294976 6.047160755 17
18 74.53282344 24.78377582 12.34652224 6.127965874 18
19 75.28998037 25.04159423 12.47941351 6.198231195 19
20 75.94227758 25.26411037 12.59440866 6.259331474 20
21 76.50423724 25.45615806 12.69391772 6.312462151 21
22 76.98837032 25.62190926 12.78002615 6.35866274 22
23 77.40545513 25.76496466 12.85453858 6.398837165 23
24 77.76477728 25.88843192 12.91901662 6.433771448 24
25 78.0743364 25.9949932 12.97481157 6.464149085 25
26 78.34102425 26.08696337 13.02309276 6.490564422 26
27 78.57077812 26.16634035 13.06487205 6.51353428 27
28 78.76871306 26.23484848 13.10102503 6.53350807 28
29 78.93923571 26.29397601 13.13230938 6.550876582 29
30 79.08614244 26.34500739 13.15938075 6.565979637 30

(1 + ra )h 1 pentru r =16 %
(1 + ra )h ra
a

1 0.986842105 0.324712078 0.159311586 0.076826002 1
2 1.960699446 0.645206639 0.316592757 0.152707646 2
3 2.921742874 0.961538462 0.471869392 0.227656541 3
4 3.870140994 1.273761614 0.625167037 0.301684152 4
5 4.806060192 1.581929461 0.776510915 0.374801804 5
6 5.729664663 1.886094675 0.925925926 0.447020682 6
7 6.641116444 2.186309244 1.073436654 0.518351834 7
8 7.540575438 2.482624481 1.219067368 0.588806172 8
9 8.428199445 2.775091033 1.36284203 0.658394474 9
10 9.304144189 3.063758888 1.504784293 0.727127385 10
11 10.16856334 3.348677386 1.644917514 0.795015421 11
Anul h= Anul h=
1 11.02160856 3.629895224 1.783264746 0.862068966 1
2 20.42353906 6.732744875 3.31212684 1.605231867 2
3 28.44381091 9.38507376 4.622879664 2.24588954 3
4 35.28546548 11.65229561 5.746638944 2.798180638 4
5 41.1217062 13.59032634 6.710081399 3.274293654 5
6 46.10028344 15.24696314 7.536078017 3.684735908 6
7 50.34723495 16.66306322 8.244236983 4.038565438 7
8 53.97007664 17.8735515 8.851369155 4.343590895 8
9 57.06052442 18.90828195 9.371887136 4.606543875 9
10 59.69681612 19.79277388 9.818147407 4.833227478 10
11 61.94569215 20.54884129 10.20074366 5.028644378 11
12 63.8640851 21.19513088 10.52875828 5.197107222 12
13 65.50056104 21.74758193 10.80997795 5.342333812 13
14 66.89654901 22.2198194 11.05107849 5.467529149 14
15 68.08738987 22.62348997 11.25778334 5.575456163 15
16 69.10323098 22.96854927 11.43499944 5.668496692 16
17 69.96978938 23.2635074 11.58693367 5.748704045 17
18 70.70900288 23.51563885 11.71719279 5.817848314 18
19 71.33958542 23.73116187 11.82886899 5.877455443 19
20 71.87750084 23.91539185 11.92461333 5.9288409 20
21 72.33636702 24.07287241 12.00669867 5.973138707 21
22 72.72780062 24.20748745 12.07707362 6.011326471 22
23 73.06171118 24.32255695 12.1374088 6.044246958 23
24 73.34655199 24.42091884 12.18913649 6.072626688 24
25 73.58953408 24.504999 12.23348464 6.097091972 25
26 73.79680879 24.57687107 12.27150604 6.118182735 26
27 73.97362349 24.63830762 12.30410326 6.136364426 27
28 74.12445443 24.69082383 12.33205012 6.152038299 28
29 74.25312003 24.73571492 12.35601005 6.165550257 29
30 74.36287762 24.774088 12.37655182 6.177198498 30

(1 + ra )h 1 pentru r =17 %
(1 + ra )h ra
a

1 0.986031224 0.324190416 0.158878204 0.076461335 1
2 1.9582888 0.643914106 0.315610815 0.151928792 2
3 2.916965127 0.959232614 0.470226806 0.226415292 3
4 3.86224992 1.270206634 0.622754763 0.299933584 4
5 4.794330241 1.576896025 0.773222884 0.372496254 5
6 5.713390542 1.879359821 0.921658986 0.444115723 6
7 6.619612696 2.177656244 1.068090511 0.514804252 7
8 7.513176035 2.47184271 1.21254453 0.584573942 8
9 8.394257389 2.761975848 1.355047748 0.653436735 9
10 9.263031115 3.048111505 1.49562651 0.72140442 10
11 10.11966914 3.330304758 1.634306806 0.788488632 11
Anul h= Anul h=
1 10.96434097 3.608609926 1.771114273 0.854700855 1
2 20.22561099 6.663782064 3.275596656 1.585214406 2
3 28.04834495 9.250394911 4.55358717 2.209584962 3
4 34.655988 11.44030949 5.639182968 2.74323501 4
5 40.23727799 13.29436581 6.561348058 3.199346163 5
6 44.95163646 14.86407307 7.34468607 3.589184754 6
7 48.93372228 16.19304072 8.010096685 3.922380132 7
8 52.29727802 17.31819003 8.57533325 4.207162506 8
9 55.13837883 18.27077978 9.055476438 4.450566244 9
10 57.53817667 19.07727472 9.463336608 4.658603628 10
11 59.56521831 19.76008082 9.809795585 4.836413357 11
12 61.2774033 20.33816774 10.104097 4.988387485 12
13 62.72363773 20.82759582 10.35409288 5.118279901 13
14 63.94523123 21.24196231 10.56645321 5.229299061 14
15 64.97707685 21.59277911 10.74684382 5.324187232 15
16 65.84864779 21.88979256 10.90007757 5.405288232 16
17 66.58483922 22.14125427 11.03024279 5.474605327 17
18 67.20667938 22.35415032 11.14081233 5.533850707 18
19 67.73193025 22.53439538 11.2347362 5.584487783 19
20 68.17559487 22.68699698 11.31452034 5.627767336 20
21 68.55034587 22.8161947 11.38229339 5.664758407 21
22 68.8668875 22.9255779 11.43986357 5.696374707 22
23 69.13426129 23.01818543 11.48876686 5.723397185 23
24 69.3601044 23.09659013 11.53030802 5.746493321 24
25 69.55086772 23.16297022 11.56559538 5.766233608 25
26 69.71200012 23.21916987 11.59557041 5.783105647 26
27 69.84810412 23.2667504 11.62103287 5.797526194 27
28 69.96306734 23.3070337 11.64266208 5.809851448 28
29 70.06017353 23.34113892 11.66103513 5.820385853 29
30 70.14219639 23.37001356 11.67664221 5.829389618 30

(1 + ra )h 1 pentru r =18 %
(1 + ra )h ra
a

1 0.985221675 0.323670701 0.158447714 0.076101023 1
2 1.955883424 0.642627079 0.314635917 0.151159599 2
3 2.912200417 0.956937799 0.468596831 0.22519001 3
4 3.854384648 1.266670527 0.620362216 0.298206338 4
5 4.782644973 1.571891941 0.769963383 0.370222476 5
6 5.697187165 1.87266775 0.917431193 0.441252123 6
7 6.598213956 2.169062705 1.062796068 0.511308793 7
8 7.48592508 2.461140614 1.206087998 0.580405813 8
9 8.36051732 2.748964354 1.347336542 0.64855633 9
10 9.222184552 3.03259589 1.486570841 0.715773309 10
11 10.07111779 3.312096281 1.623819617 0.782069537 11
Anul h= Anul h=
1 10.90750521 3.587525698 1.759111186 0.847457627 1
2 20.03040537 6.595886067 3.239719877 1.565642057 2
3 27.66068431 9.118580781 4.48591859 2.17427293 3
4 34.04255365 11.23401505 5.534819115 2.690061805 4
5 39.38026889 13.00793645 6.417657701 3.127171021 5
6 43.84466677 14.49547837 7.160725277 3.49760256 6
7 47.57863301 15.74287351 7.786150389 3.811527593 7
8 50.70167541 16.78889086 8.312558193 4.077565757 8
9 53.31374879 17.66604058 8.755625109 4.303021828 9
10 55.49845411 18.40158442 9.128545669 4.494086295 10
11 57.32571416 19.01838305 9.442425443 4.656005335 11
12 58.85401148 19.53560654 9.706611769 4.79322486 12
13 60.13226014 19.96933017 9.928972115 4.909512593 13
14 61.20137124 20.33303404 10.11612837 5.00806152 14
15 62.09556231 20.63802204 10.27365404 5.091577559 15
16 62.84345248 20.89377319 10.40624025 5.162353864 16
17 63.46897841 21.10823621 10.51783541 5.222333783 17
18 63.99216043 21.28807662 10.61176282 5.273164223 18
19 64.42974329 21.43888383 10.69081965 5.316240867 19
20 64.79573209 21.56534493 10.7573602 5.352746497 20
21 65.10184052 21.67139032 10.81336604 5.383683472 21
22 65.35786576 21.76031588 10.86050504 5.409901248 22
23 65.57200205 21.83488542 10.900181 5.432119701 23
24 65.75110295 21.89741655 10.93357546 5.450948899 24
25 65.90090069 21.94985274 10.9616829 5.466905847 25
26 66.02618964 21.99382371 10.98534038 5.480428684 26
27 66.13097973 22.03069605 11.0052524 5.491888715 27
28 66.21862485 22.06161578 11.02201195 5.501600606 28
29 66.29193013 22.08754387 11.03611813 5.509831022 29
30 66.35324174 22.10928616 11.04799102 5.516805951 30

(1 + ra )h 1 pentru r =19 %
(1 + ra )h ra
a

1 0.984413454 0.32315292 0.158020084 0.07574498 1
2 1.953483301 0.64134552 0.313667985 0.150399873 2
3 2.907448697 0.954653938 0.466979314 0.223980366 3
4 3.846545067 1.263153146 0.617989148 0.296501922 4
5 4.771004167 1.566916964 0.766732036 0.367979781 5
6 5.681054144 1.866018079 0.913242009 0.438428963 6
7 6.576919583 2.160528063 1.057552588 0.507864272 7
8 7.458821575 2.450517388 1.19969679 0.5763003 8
9 8.326977761 2.736055446 1.339707136 0.643751428 9
10 9.181602389 3.017210561 1.47761566 0.710231829 10
11 10.02290637 3.294050012 1.613453914 0.775755475 11
Anul h= Anul h=
1 10.85109733 3.566640043 1.747252976 0.840336134 1
2 19.83787803 6.52903633 3.204481121 1.546500953 2
3 27.28064856 8.989557058 4.419825376 2.139916767 3
4 33.44468382 11.03322768 5.433435813 2.638585519 4
5 38.5496821 12.73066902 6.278798034 3.05763489 5
6 42.77759551 14.14053765 6.983839398 3.409777218 6
7 46.27911518 15.31155282 7.571851628 3.705695141 7
8 49.17904211 16.28417999 8.062260276 3.954365665 8
9 51.58073538 17.09202913 8.471266468 4.163332492 9
10 53.56979602 17.76301619 8.812382117 4.338934867 10
11 55.21711807 18.3203277 9.096876309 4.486499888 11
12 56.58141529 18.78322206 9.334147586 4.610504108 12
13 57.71131392 19.16769499 9.532034433 4.714709334 13
14 58.64708575 19.48703228 9.697074234 4.802276751 14
15 59.42208351 19.75226891 9.834719237 4.875862816 15
16 60.06392966 19.97257038 9.94951668 4.937699846 16
17 60.59550083 20.15554938 10.04525901 4.989663736 17
18 61.03574327 20.30752892 10.12510916 5.03333087 18
19 61.40034808 20.43376079 10.19170506 5.070025942 19
20 61.70231049 20.53860703 10.24724677 5.100862136 20
21 61.95239302 20.62569071 10.29356917 5.126774904 21
22 62.15950911 20.69802107 10.33220255 5.14855034 22
23 62.33104079 20.75809755 10.36442322 5.166849025 23
24 62.47310177 20.80799615 10.39129561 5.182226071 24
25 62.5907554 20.84944116 10.41370748 5.195147959 25
26 62.68819506 20.88386475 10.43239922 5.206006688 26
27 62.76889371 20.91245645 10.44798834 5.215131671 27
28 62.83572761 20.93620427 10.46098984 5.222799723 28
29 62.89107883 20.95592885 10.47183323 5.229243465 29
30 62.93692022 20.97231178 10.48087674 5.234658374 30

(1 + ra )h 1 pentru r =20 %
(1 + ra )h ra
a

1 0.983606557 0.322637064 0.157595283 0.075393124 1
2 1.951088417 0.640069394 0.312706938 0.149649423 2
3 2.902709918 0.952380952 0.465374108 0.222786039 3
4 3.838731067 1.259654347 0.615635314 0.294819856 4
5 4.759407607 1.561970851 0.763528475 0.365767501 5
6 5.664991089 1.859410431 0.909090909 0.435645354 6
7 6.55572894 2.152051759 1.052359348 0.504469545 7
8 7.431864531 2.439972239 1.193369944 0.572255962 8
9 8.293637244 2.723248029 1.33215828 0.639020253 9
10 9.141282535 3.001954056 1.468759376 0.70477783 10
11 9.975032002 3.276164038 1.603207704 0.769543873 11
Anul h= Anul h=
1 10.79511344 3.545950504 1.73553719 0.833333333 1
2 19.64798565 6.463212759 3.169865446 1.527777778 2
3 26.90806186 8.863251636 4.355260699 2.106481481 3
4 32.86191563 10.83776956 5.334926198 2.588734568 4
5 37.74456062 12.46221034 6.144567106 2.99061214 5
6 41.74872717 13.79864179 6.813691823 3.325510117 6
7 45.03246985 14.89812726 7.366687457 3.604591764 7
8 47.72540628 15.80267667 7.823708642 3.837159803 8
9 49.93383348 16.54685171 8.201412101 4.030966503 9
10 51.74492364 17.15908635 8.51356372 4.192472086 10
11 53.23016507 17.66277331 8.771540264 4.327060071 11
12 54.448184 18.07715782 8.98474402 4.439216726 12
13 55.44705873 18.41807298 9.160945471 4.532680605 13
14 56.26621735 18.69854473 9.306566505 4.610567171 14
15 56.93799414 18.92928953 9.426914467 4.675472642 15
16 57.48890582 19.11912384 9.526375593 4.729560535 16
17 57.94069826 19.27530101 9.60857487 4.774633779 17
18 58.31120486 19.40378834 9.676508157 4.812194816 18
19 58.61505044 19.50949519 9.732651369 4.84349568 19
20 58.86422857 19.59646048 9.779050718 4.869579733 20
21 59.06857493 19.66800704 9.817397288 4.891316445 21
22 59.23615558 19.72686857 9.849088668 4.90943037 22
23 59.37358537 19.7752941 9.875279891 4.924525309 23
24 59.48628899 19.8151339 9.89692553 4.937104424 24
25 59.57871513 19.8479102 9.914814487 4.94758702 25
26 59.6545121 19.87487535 9.92959875 4.956322517 26
27 59.71667178 19.89705964 9.941817149 4.963602097 27
28 59.76764779 19.91531071 9.951914999 4.969668414 28
29 59.80945226 19.93032591 9.96026033 4.974723679 29
30 59.84373534 19.94267895 9.967157297 4.978936399 30

(1 + ra )h 1 pentru r =21 %
(1 + ra )h ra
a

1 0.982800983 0.32212312 0.15717328 0.075045373 1
2 1.948698755 0.638798666 0.311752699 0.148908066 2
3 2.897984034 0.950118765 0.463781064 0.221606718 3
4 3.83094254 1.256173985 0.613300475 0.293159673 4
5 4.747855076 1.557053364 0.760352338 0.363584988 5
6 5.648997617 1.852844432 0.904977376 0.432900433 6
7 6.534641393 2.14363324 1.047215638 0.501123499 7
8 7.405052966 2.429504384 1.187106515 0.568271402 8
9 8.260494316 2.710541028 1.324688745 0.634361086 9
10 9.101222915 2.986824931 1.46000043 0.699409227 10
11 9.927491808 3.258436469 1.593079039 0.76343224 11
Anul h= Anul h=
1 10.73954969 3.525454659 1.723961426 0.826446281 1
2 19.46068565 6.398395713 3.135858337 1.509459736 2
3 26.54275283 8.739594538 4.292179388 2.073933666 3
4 32.29380129 10.64746937 5.239187885 2.540441047 4
5 36.96398552 12.20222258 6.01477274 2.925984336 5
6 40.75644542 13.46921216 6.649964366 3.244615154 6
7 43.83614237 14.50169924 7.170176177 3.507946408 7
8 46.33703455 15.34308703 7.596221352 3.725575544 8
9 48.36790375 16.02874541 7.945145556 3.905434334 9
10 50.01708709 16.58749778 8.230908913 4.054077962 10
11 51.35631942 17.04283269 8.464944545 4.176923935 11
12 52.44385358 17.41389132 8.656615995 4.278449533 12
13 53.32699427 17.71627205 8.813591855 4.362354986 13
14 54.04415563 17.96268624 8.942152581 4.431698336 14
15 54.62653216 18.16349251 9.047441765 4.489006889 15
16 55.09945561 18.32713228 9.133671927 4.53636933 16
17 55.48349682 18.46048456 9.204293055 4.575511843 17
18 55.79536052 18.56915515 9.262130632 4.607861027 18
19 56.04861189 18.6577123 9.309498685 4.63459589 19
20 56.25426666 18.72987872 9.348292365 4.656690818 20
21 56.42127024 18.78868813 9.38006377 4.67495109 21
22 56.55688681 18.83661271 9.406084044 4.690042223 22
23 56.66701532 18.87566711 9.427394234 4.702514234 23
24 56.75644604 18.90749307 9.444846939 4.712821681 24
25 56.82906896 18.93342848 9.459140426 4.721340232 25
26 56.88804298 18.95456359 9.470846564 4.728380357 26
27 56.93593329 18.97178689 9.480433705 4.734198642 27
28 56.974823 18.98582239 9.48828542 4.739007142 28
29 57.00640369 18.99726011 9.494715849 4.742981109 29
30 57.03204904 19.00658086 9.499982268 4.74626538 30

(1 + ra )h 1 pentru r =22%
(1 + ra )h ra
a

1 0.981996727 0.321611076 0.156754046 0.074701649 1
2 1.946314298 0.6375333 0.31080519 0.148175623 2
3 2.893270996 0.947867299 0.462200039 0.2204421 3
4 3.823179374 1.252711921 0.610984394 0.291520923 4
5 4.736346358 1.552164265 0.75720327 0.361431611 5
6 5.633073347 1.846319714 0.900900901 0.430193362 6
7 6.513656314 2.135271963 1.042120762 0.497825057 7
8 7.378385906 2.419113048 1.180905576 0.564345268 8
9 8.227547534 2.697933378 1.317297332 0.629772262 9
10 9.061421474 2.971821766 1.451337292 0.694124004 10
11 9.880282953 3.240865448 1.583066009 0.757418167 11
Anul h= Anul h=
1 10.68440225 3.505150122 1.712523334 0.819672131 1
2 19.27593622 6.334565988 3.10244569 1.491534534 2
3 26.18455443 8.618517849 4.230537854 2.042241421 3
4 31.73990762 10.46216203 5.146122761 2.493640509 4
5 36.20707429 11.95038248 5.889232011 2.863639762 5
6 39.7992092 13.15169895 6.492356149 3.166917837 6
7 42.68771418 14.12142172 6.981865229 3.415506424 7
8 45.01041675 14.90419817 7.37916178 3.619267561 8
9 46.8781467 15.53606843 7.701616573 3.786284886 9
10 48.38002439 16.04612469 7.963328117 3.923184333 10
11 49.58771321 16.45785063 8.175739077 4.035396994 11
12 50.5588391 16.79020271 8.348136578 4.127374585 12
13 51.33974015 17.05848287 8.488058256 4.202766053 13
14 51.96767776 17.27504311 8.60162183 4.264562339 14
15 52.4726145 17.44985416 8.693792573 4.315215032 15
16 52.87864387 17.59096457 8.768600417 4.356733633 16
17 53.20513993 17.70487125 8.829316141 4.390765273 17
18 53.4676817 17.79681864 8.878594384 4.41866006 18
19 53.67879661 17.8710401 8.918589712 4.441524639 19
20 53.84855818 17.93095291 8.951050817 4.460266098 20
21 53.98506673 17.97931554 8.977396978 4.475627949 21
22 54.0948359 18.01835466 8.998780114 4.48821963 22
23 54.1831034 18.04986769 9.016135147 4.49854068 23
24 54.254081 18.07530553 9.03022088 4.507000558 24
25 54.31115545 18.09583939 9.041653178 4.513934883 25
26 54.35705012 18.11241466 9.050931887 4.519618757 26
27 54.39395492 18.1257945 9.058462695 4.52427767 27
28 54.42363077 18.13659493 9.064574868 4.52809645 28
29 54.4474937 18.14531321 9.069535645 4.531226599 29
30 54.46668234 18.15235076 9.073561923 4.533792294 30

(1 + ra )h 1 pentru r =23 %
(1 + ra )h ra
a

1 0.981193786 0.321100922 0.15633755 0.074361875 1
2 1.943935031 0.636273261 0.309864335 0.147451921 2
3 2.888570758 0.945626478 0.46063089 0.219291891 3
4 3.815441463 1.249268012 0.608686841 0.289903166 4
5 4.72488124 1.54730332 0.754080921 0.35930676 5
6 5.617217897 1.839835913 0.896860987 0.427523328 6
7 6.492773079 2.126967387 1.037074036 0.494573172 7
8 7.351862384 2.408797466 1.17476622 0.560476247 8
9 8.19479547 2.685424031 1.309982861 0.625252167 9
10 9.021876177 2.956943156 1.442768467 0.688920209 10
11 9.833402627 3.22344914 1.573166745 0.751499322 11
Anul h= Anul h=
1 10.62966734 3.485034544 1.701220616 0.81300813 1
2 19.09369631 6.271704807 3.069613799 1.47399035 2
3 25.83330388 8.499955647 4.170294033 2.011374268 3
4 31.19981554 10.28168845 5.055636778 2.448271763 4
5 35.47297939 11.70638072 5.76777074 2.803472978 5
6 38.87554896 12.84557965 6.340582549 3.092254453 6
7 41.58489503 13.75649509 6.801329244 3.327036141 7
8 43.74225169 14.48487265 7.171935284 3.517915562 8
9 45.46007867 15.067291 7.470035822 3.673102083 9
10 46.82792367 15.53299884 7.709815859 3.799269986 10
11 47.91709037 15.90538373 7.902685241 3.901845517 11
12 48.78435537 16.2031466 8.057821586 3.985240258 12
13 49.47492789 16.44124092 8.182606999 4.05304086 13
14 50.02480641 16.63162364 8.282979347 4.108163301 14
15 50.46265528 16.78385567 8.363714812 4.152978293 15
16 50.81129888 16.905582 8.428655161 4.189413247 16
17 51.08891147 17.00291565 8.480890555 4.21903516 17
18 51.30996458 17.08074466 8.522906598 4.243118016 18
19 51.48598137 17.14297756 8.556702606 4.262697574 19
20 51.62613733 17.19273964 8.583886751 4.278615914 20
21 51.73773857 17.23252992 8.60575258 4.291557654 21
22 51.82660271 17.26434664 8.62334057 4.302079393 22
23 51.89736208 17.28978763 8.637487639 4.310633653 23
24 51.95370527 17.31013051 8.64886697 4.317588336 24
25 51.99856936 17.3263969 8.658020045 4.323242549 25
26 52.03429306 17.33940367 8.665382408 4.327839471 26
27 52.06273858 17.34980402 8.671304397 4.331576806 27
28 52.08538874 17.35812025 8.676067805 4.334615289 28
29 52.10342426 17.36476999 8.679899298 4.337085601 29
30 52.11778532 17.3700872 8.682981197 4.339093985 30

(1 + ra )h 1 pentru r =24 %
(1 + ra )h ra
a

1 0.980392157 0.320592647 0.155923763 0.074025976 1
2 1.941560938 0.635018515 0.30893006 0.146736789 2
3 2.883883273 0.943396226 0.459073479 0.218155805 3
4 3.807728699 1.24584212 0.606407587 0.288305974 4
5 4.713459509 1.542470298 0.750984947 0.357209839 5
6 5.601430891 1.833392666 0.892857143 0.424889541 6
7 6.471991069 2.118718981 1.032074789 0.49136683 7
8 7.32548144 2.398556884 1.168687554 0.556663068 8
9 8.162236706 2.673011949 1.302744178 0.620799238 9
10 8.982585006 2.942187718 1.434292488 0.683795949 10
11 9.786848045 3.20618574 1.563379417 0.745673446 11
Anul h= Anul h=
1 10.57534122 3.465105613 1.69005102 0.806451613 1
2 18.9139256 6.209793811 3.037349347 1.456815817 2
3 25.48884248 8.38384394 4.111407324 1.981303078 3
4 30.67311957 10.10589527 4.967639767 2.404276676 4
5 34.76088668 11.46992122 5.650223028 2.745384416 5
6 37.98406314 12.55035753 6.194374225 3.020471303 6
7 40.52551579 13.40616428 6.628168228 3.242315567 7
8 42.52943386 14.08404339 6.973986151 3.421222232 8
9 44.10950958 14.62098713 7.249670082 3.5655018 9
10 45.3553885 15.04629687 7.469443624 3.68185629 10
11 46.33775553 15.38318202 7.644645746 3.775690556 11
12 47.11234523 15.65002661 7.784315806 3.851363352 12
13 47.72310392 15.86139252 7.895659921 3.9123898 13
14 48.20468298 16.02881412 7.984422769 3.961604677 14
15 48.58440478 16.16142771 8.055183968 4.001294095 15
16 48.88381283 16.26647009 8.111594362 4.033301689 16
17 49.11989403 16.34967349 8.156564383 4.059114266 17
18 49.30604245 16.41557838 8.192414208 4.079930859 18
19 49.45281921 16.46778123 8.22099347 4.096718435 19
20 49.56855168 16.50913077 8.243776682 4.110256802 20
21 49.65980594 16.54188348 8.261939319 4.121174841 21
22 49.73175931 16.5678267 8.276418462 4.12997971 22
23 49.78849405 16.58837615 8.287961147 4.137080411 23
24 49.833229 16.60465325 8.297162904 4.142806783 24
25 49.8685022 16.61754623 8.304498488 4.147424825 25
26 49.89631488 16.62775868 8.310346371 4.151149053 26
27 49.91824499 16.6358479 8.315008268 4.154152462 27
28 49.93553674 16.64225531 8.318724704 4.156574566 28
29 49.94917116 16.64733059 8.321687423 4.158527876 29
30 49.9599218 16.65135068 8.324049285 4.160103126 30

(1 + ra )h 1 pentru r =25 %
(1 + ra )h ra
a

1 0.979591837 0.320086239 0.155512658 0.073693881 1
2 1.939192003 0.633769028 0.308002292 0.146030064 2
3 2.879208493 0.941176471 0.457527667 0.217033564 3
4 3.800040973 1.242434107 0.604146407 0.286728933 4
5 4.702080953 1.537664968 0.747915013 0.355140272 5
6 5.585711954 1.826989619 0.888888889 0.422291236 6
7 6.451309669 2.110526219 1.027122362 0.488205047 7
8 7.299242125 2.388390558 1.162668704 0.552904496 8
9 8.129869837 2.660696112 1.295580149 0.616411957 9
10 8.943545962 2.927554088 1.425907917 0.67874939 10
11 9.740616453 3.189073466 1.553702234 0.739938352 11
Anul h= Anul h=
1 10.5214202 3.445361047 1.679012346 0.8 1
2 18.7365845 6.148815047 3.005639384 1.44 2
3 25.15101556 8.270120604 4.053838526 1.952 3
4 30.15942736 9.934634689 4.882045255 2.3616 4
5 34.07001406 11.24072053 5.536430819 2.68928 5
6 37.1234148 12.26556028 6.053476202 2.951424 6
7 39.50752153 13.0697161 6.462005888 3.1611392 7
8 41.369041 13.70070898 6.784794776 3.32891136 8
9 42.82252237 14.19582696 7.039837848 3.463129088 9
10 43.95740608 14.58432868 7.241353361 3.57050327 10
11 44.84352752 14.88917236 7.400575495 3.656402616 11
12 45.53541446 15.1283725 7.526380638 3.725122093 12
13 46.07564238 15.31606446 7.625782233 3.780097674 13
14 46.49745436 15.46333977 7.704321764 3.82407814 14
15 46.82680674 15.57890153 7.76637769 3.859262512 15
16 47.08396631 15.6695788 7.815409533 3.887410009 16
17 47.28475746 15.74073007 7.854150742 3.909928007 17
18 47.44153595 15.79655998 7.88476108 3.927942406 18
19 47.56394917 15.84036775 7.908947026 3.942353925 19
20 47.65952988 15.87474217 7.92805691 3.95388314 20
21 47.73415966 15.90171457 7.943156077 3.963106512 21
22 47.79243086 15.92287887 7.955086283 3.970485209 22
23 47.83792924 15.93948575 7.964512619 3.976388168 23
24 47.87345454 15.95251659 7.971960588 3.981110534 24
25 47.90119283 15.96274144 7.977845402 3.984888427 25
26 47.92285099 15.97076451 7.982495133 3.987910742 26
27 47.93976177 15.97705994 7.986168994 3.990328593 27
28 47.95296576 15.98199974 7.989071798 3.992262875 28
29 47.96327549 15.98587582 7.991365371 3.9938103 29
30 47.97132537 15.98891726 7.993177577 3.99504824 30

(1 + ra )h 1 pentru r =26 %
(1 + ra )h ra
a

1 0.978792822 0.319581687 0.155104204 0.073365517 1
2 1.936828211 0.632524765 0.307080957 0.145331585 2
3 2.874546373 0.938967136 0.45599332 0.215924897 3
4 3.792378179 1.239043838 0.601903082 0.285171639 4
5 4.690745363 1.532887104 0.744870785 0.353097498 5
6 5.570060714 1.820626419 0.884955752 0.419727668 6
7 6.430728268 2.10238858 1.02221611 0.485086865 7
8 7.273143493 2.37829775 1.156708812 0.549199334 8
9 8.097693467 2.648475511 1.288489664 0.612088855 9
10 8.904757064 2.91304092 1.417613347 0.673778756 10
11 9.69470512 3.172110563 1.544133438 0.73429192 11
Anul h= Anul h=
1 10.46790061 3.425798602 1.668102436 0.793650794 1
2 18.56163411 6.088750959 2.974471326 1.423532376 2
3 24.81967233 8.158725317 3.997549789 1.923438394 3
4 29.65835924 9.767764183 4.798770294 2.320189201 4
5 33.39961012 11.01850725 5.426243476 2.635070795 5
6 36.29232841 11.99073871 5.917647017 2.884976821 6
7 38.52896514 12.74647668 6.30248807 3.083314937 7
8 40.25832257 13.33392925 6.603875065 3.240726141 8
9 41.59545392 13.7905697 6.83990529 3.365655667 9
10 42.62931786 14.14552687 7.024751578 3.464806085 10
11 43.42869678 14.42144327 7.169513335 3.543496893 11
12 44.04677296 14.63591946 7.282883026 3.605949915 12
13 44.52466667 14.80263675 7.371668123 3.655515806 13
14 44.89417193 14.93222996 7.441199877 3.694853814 14
15 45.17987173 15.03296574 7.495653439 3.726074456 15
16 45.40077352 15.11127 7.538298566 3.750852742 16
17 45.57157379 15.17213771 7.571695956 3.77051805 17
18 45.70363579 15.21945158 7.597851011 3.786125436 18
19 45.80574554 15.25622974 7.618334256 3.798512251 19
20 45.88469633 15.28481826 7.634375641 3.808343056 20
21 45.94574072 15.30704078 7.646938398 3.816145283 21
22 45.99293997 15.32431485 7.65677688 3.822337526 22
23 46.02943422 15.33774239 7.664481855 3.827252005 23
24 46.05765141 15.34817992 7.67051598 3.831152385 24
25 46.07946881 15.35629326 7.675241585 3.834247924 25
26 46.09633793 15.36259994 7.678942427 3.836704702 26
27 46.10938105 15.36750227 7.681840729 3.838654525 27
28 46.11946594 15.37131297 7.684110525 3.840202004 28
29 46.12726353 15.37427511 7.685888108 3.841430162 29
30 46.13329259 15.37657765 7.687280216 3.842404891 30

(1 + ra )h 1 pentru r =27 %
(1 + ra )h ra
a

1 0.97799511 0.319078981 0.154698375 0.073040817 1
2 1.934469545 0.631285693 0.306165986 0.144641195 2
3 2.869896866 0.93676815 0.454470304 0.21482954 3
4 3.784740211 1.235671177 0.599677394 0.2836337 4
5 4.679452529 1.528136481 0.741851938 0.351080971 5
6 5.554476801 1.814302717 0.881057269 0.417198113 6
7 6.41024626 2.094305552 1.017355396 0.482011358 7
8 7.247184607 2.368277734 1.150807036 0.545546419 8
9 8.065706217 2.636349149 1.281471634 0.607828504 9
10 8.866216349 2.898646887 1.409407395 0.668882323 10
11 9.649111344 3.155295301 1.534671311 0.728732098 11
Anul h= Anul h=
1 10.41477882 3.406416065 1.657319179 0.787401575 1
2 18.38903624 6.029584377 2.943832933 1.407402815 2
3 24.49466579 8.049599508 3.942504557 1.895592768 3
4 29.16954777 9.60514633 4.7177353 2.279994305 4
5 32.74895285 10.80302147 5.319517398 2.582672681 5
6 35.48958691 11.72546549 5.786657919 2.821002111 6
7 37.58800127 12.43580911 6.149281313 3.00866308 7
8 39.1946889 12.98282123 6.430772041 3.156427622 8
9 40.42487737 13.40405716 6.649282572 3.272777655 9
10 41.36679266 13.72843702 6.818903974 3.364391854 10
11 42.08798657 13.97823122 6.950574608 3.436529019 11
12 42.64018129 14.17058947 7.052785505 3.493329936 12
13 43.06297883 14.31871819 7.132127932 3.538055068 13
14 43.38670115 14.43278721 7.193718436 3.573271707 14
15 43.63456481 14.520628 7.241528798 3.601001344 15
16 43.82434595 14.58827128 7.278642161 3.622835704 16
17 43.96965519 14.64036113 7.307451851 3.640028113 17
18 44.08091376 14.68047381 7.329815716 3.653565444 18
19 44.16610082 14.71136325 7.347175933 3.664224759 19
20 44.23132578 14.73515019 7.360652008 3.67261792 20
21 44.28126642 14.75346772 7.371112972 3.679226709 21
22 44.31950434 14.76757345 7.379233419 3.684430479 22
23 44.34878187 14.7784358 7.385537014 3.688527937 23
24 44.37119872 14.78680054 7.390430254 3.691754281 24
25 44.38836258 14.79324195 7.39422869 3.694294709 25
26 44.40150438 14.79820226 7.397177271 3.696295047 26
27 44.41156663 14.80202204 7.399466142 3.697870115 27
28 44.41927097 14.80496352 7.401242906 3.699110327 28
29 44.42516994 14.80722866 7.402622139 3.700086872 29
30 44.42968658 14.80897297 7.403692786 3.700855805 30

(1 + ra )h 1 pentru r =28 %
(1 + ra )h ra
a

1 0.977198697 0.31857811 0.154295143 0.072719714 1
2 1.932115991 0.630051779 0.305257307 0.143958743 2
3 2.865259926 0.934579439 0.452958489 0.213747238 3
4 3.777126963 1.23231599 0.59746913 0.282114733 4
5 4.668202244 1.523412877 0.738858151 0.349090162 5
6 5.538959848 1.808018168 0.877192982 0.41470187 6
7 6.389863043 2.086276627 1.012539599 0.478977623 7
8 7.221364538 2.358329792 1.14496255 0.541944624 8
9 8.033906714 2.624316044 1.27452499 0.603629522 9
10 8.827921871 2.884370679 1.401288711 0.664058421 10
11 9.603832447 3.138625974 1.525314168 0.723256896 11
Anul h= Anul h=
1 10.36205125 3.387211256 1.646660511 0.78125 1
2 18.21875336 5.971298506 2.913712304 1.391601563 2
3 24.17585264 7.942686297 3.888667517 1.868438721 3
4 28.69263733 9.446648603 4.638863894 2.240967751 4
5 32.11734841 10.59401425 5.216115646 2.532006055 5
6 34.71402876 11.469334 5.660292125 2.759379731 6
7 36.68288062 12.13711125 6.002071503 2.937015414 7
8 38.17570113 12.64655532 6.265059636 3.075793293 8
9 39.30758571 13.03520776 6.467420465 3.18421351 9
10 40.16580188 13.33170884 6.623130552 3.268916805 10
11 40.81651752 13.5579081 6.742944407 3.335091254 11
12 41.30990235 13.73047443 6.835137279 3.386790042 12
13 41.68399601 13.86212446 6.906076699 3.42717972 13
14 41.96764086 13.96255964 6.96066228 3.458734156 14
15 42.18270572 14.03918115 7.002664112 3.48338606 15
16 42.34577194 14.09763534 7.034983158 3.502645359 16
17 42.46941181 14.14222976 7.059851614 3.517691687 17
18 42.56315788 14.17625063 7.078987084 3.52944663 18
19 42.63423792 14.20220498 7.093711207 3.53863018 19
20 42.68813214 14.22200544 7.105040941 3.545804828 20
21 42.72899576 14.23711111 7.113758803 3.551410022 21
22 42.75997932 14.24863516 7.120466915 3.55578908 22
23 42.78347163 14.2574268 7.12562859 3.559210218 23
24 42.80128395 14.2641339 7.129600331 3.561882983 24
25 42.81478958 14.26925071 7.132656456 3.563971081 25
26 42.82502981 14.2731543 7.135008046 3.565602407 26
27 42.83279414 14.27613233 7.136817518 3.56687688 27
28 42.8386812 14.27840426 7.138209847 3.567872563 28
29 42.84314488 14.2801375 7.1392812 3.56865044 29
30 42.84652933 14.28145978 7.140105571 3.569258156 30

(1 + ra )h 1 pentru r =29 %
(1 + ra )h ra
a

1 0.97640358 0.318079062 0.15389448 0.072402141 1
2 1.929767531 0.628822989 0.304354851 0.143284082 2
3 2.860635507 0.932400932 0.451457745 0.212677741 3
4 3.76953833 1.228978147 0.595278081 0.280614368 4
5 4.656994301 1.518716073 0.73588911 0.347124556 5
6 5.523509489 1.801772431 0.873362445 0.412238254 6
7 6.36957802 2.078301302 1.007768105 0.475984785 7
8 7.195682363 2.348453215 1.139174543 0.538392854 8
9 8.002293601 2.612375227 1.267648685 0.599490564 9
10 8.789871701 2.870211004 1.393255966 0.659305429 10
11 9.558865778 3.1221009 1.516060358 0.717864384 11
Anul h= Anul h=
1 10.30971435 3.36818203 1.636124406 0.775193798 1
2 18.05074862 5.913876921 2.884097867 1.376119224 2
3 23.86309314 7.837930438 3.836004552 1.841952887 3
4 28.2272837 9.292143175 4.562082761 2.203064253 4
5 31.50412995 10.39124705 5.1159076 2.482995545 5
6 33.96454527 11.22195724 5.53834412 2.699996547 6
7 35.81194459 11.84981366 5.860562628 2.868214377 7
8 37.19906173 12.3243518 6.10633865 2.998615796 8
9 38.24057665 12.68301096 6.29380725 3.099702168 9
10 39.02259664 12.954088 6.436801167 3.178063696 10
11 39.60977523 13.15896986 6.545871488 3.238809067 11
12 40.05065743 13.31382097 6.629066179 3.285898501 12
13 40.38169321 13.43085849 6.692523925 3.322401939 13
14 40.63025094 13.51931625 6.74092708 3.350699177 14
15 40.81688016 13.58617322 6.777847166 3.372635021 15
16 40.95701045 13.63670417 6.806008402 3.389639551 16
17 41.06222707 13.67489581 6.827488722 3.402821358 17
18 41.14122882 13.70376131 6.843873093 3.413039812 18
19 41.20054717 13.72557805 6.856370468 3.420961095 19
20 41.24508627 13.7420673 6.865902991 3.427101624 20
21 41.27852839 13.75452998 6.873174036 3.431861724 21
22 41.30363836 13.76394936 6.878720113 3.435551724 22
23 41.32249214 13.77106859 6.882950449 3.438412189 23
24 41.33664848 13.77644935 6.886177189 3.440629604 24
25 41.34727774 13.78051617 6.888638424 3.44234853 25
26 41.35525871 13.7835899 6.890515759 3.443681031 26
27 41.36125121 13.78591304 6.89194772 3.444713978 27
28 41.36575067 13.78766889 6.893039965 3.445514711 28
29 41.36912908 13.78899597 6.893873088 3.446135435 29
30 41.37166576 13.78999899 6.894508562 3.446616616 30

(1 + ra )h 1 pentru r =30 %
(1 + ra )h ra
a

1 0.975609756 0.317581828 0.153496361 0.072088036 1
2 1.927424152 0.62759929 0.303458552 0.142617066 2
3 2.856023563 0.930232558 0.449967945 0.211620806 3
4 3.761974208 1.225657514 0.59310404 0.279132243 4
5 4.645828496 1.514045851 0.732944504 0.34518365 5
6 5.508125362 1.79556517 0.869565217 0.409806602 6
7 6.349390597 2.070379083 1.003040314 0.473031992 7
8 7.170137167 2.338647303 1.133442219 0.534890043 8
9 7.970865529 2.60052574 1.260841691 0.595410327 9
10 8.752063931 2.856166589 1.385307861 0.654621775 10
11 9.514208713 3.105718422 1.506908264 0.712552691 11
Anul h= Anul h=
1 10.2577646 3.34932627 1.625708885 0.769230769 1
2 17.88498583 5.857303555 2.854978363 1.360946746 2
3 23.55625107 7.735278275 3.784482694 1.816112881 3
4 27.77315371 9.14150674 4.487321508 2.166240678 4
5 30.90865649 10.19449136 5.018768626 2.435569752 5
6 33.24007803 10.9829668 5.420618999 2.642745963 6
7 34.97362023 11.57337763 5.724475613 2.802112279 7
8 36.26260574 12.01547757 5.954234868 2.924701753 8
9 37.22103851 12.34652224 6.127965874 3.019001349 9
10 37.93368683 12.59440866 6.259331474 3.091539499 10
11 38.46358068 12.78002615 6.35866274 3.147338076 11
12 38.85758637 12.91901662 6.433771448 3.190260059 12
13 39.15055162 13.02309276 6.490564422 3.223276968 13
14 39.36838766 13.10102503 6.53350807 3.248674591 14
15 39.53036093 13.15938075 6.565979637 3.268211224 15
16 39.6507971 13.20307755 6.590532807 3.283239403 16
17 39.74034813 13.23579773 6.60909853 3.294799541 17
18 39.80693433 13.26029862 6.623136885 3.303691954 18
19 39.85644488 13.2786449 6.633751898 3.310532273 19
20 39.89325875 13.29238261 6.641778373 3.315794056 20
21 39.92063191 13.30266941 6.647847541 3.319841581 21
22 39.94098539 13.31037217 6.652436704 3.322955063 22
23 39.95611934 13.31614 6.65590677 3.325350048 23
24 39.96737228 13.32045896 6.658530639 3.327192345 24
25 39.97573947 13.32369299 6.660514661 3.328609496 25
26 39.98196094 13.32611464 6.662014867 3.329699612 26
27 39.98658695 13.32792797 6.663149237 3.330538163 27
28 39.99002665 13.3292858 6.664006985 3.331183203 28
29 39.99258425 13.33030254 6.664655565 3.331679387 29
30 39.99448598 13.33106387 6.665145985 3.332061067 30
Factorii de ajustare j pentru venituri variabile formula liniara
pentru venituri variabile liniare
1
f ran
D
J = p n care f ran =
rrcp
; Dp= durata de previziune rrcp= rata de
rrcp (1 + r )
rcp
h
1
randament a capitalului propriu
ipoteza- venituri cresctoare cu rata de randament a capitalului de:
Anul 10 % 11 % 12 % 13 % 14 % 15 %
h=
1 0 0 0 0 0 0
2 0.238095238 0.236966825 0.235849057 0.234741784 0.23364486 0.23255814
3 0.312185297 0.310184216 0.30820294 0.306241255 0.304298949 0.30237581
4 0.345291963 0.342487713 0.339713031 0.336967712 0.334251548 0.331564323
5 0.362025192 0.358451732 0.3549189 0.35142659 0.347974668 0.344562984
6 0.370592863 0.366273664 0.362007902 0.357795651 0.353636936 0.349531734
7 0.374516432 0.369471576 0.364495058 0.359587223 0.354748325 0.349978528
8 0.375559824 0.369808598 0.364142989 0.358563695 0.353071259 0.347666069
9 0.37470572 0.368267698 0.361935186 0.355709301 0.349590909 0.343580641
10 0.372546051 0.365441572 0.358465299 0.351618801 0.34490328 0.338319583
11 0.369459489 0.361709853 0.354114055 0.346674126 0.339391568 0.332267386
12 0.365700182 0.357327699 0.349137714 0.341132682 0.333314332 0.325683715
13 0.361445532 0.352473494 0.343715682 0.335174891 0.326852953 0.318750803
14 0.356823482 0.34727609 0.337977711 0.32893135 0.320138762 0.311600544
15 0.351928898 0.341831156 0.332020225 0.322499131 0.313269312 0.30433076
16 0.346833793 0.336211391 0.325916516 0.315951966 0.306318571 0.297015391
17 0.34159395 0.330473135 0.319723349 0.309346853 0.299343525 0.289711114
18 0.336253333 0.324660777 0.313485368 0.302728468 0.2923886 0.282461788
19 0.330847107 0.318809771 0.307238117 0.29613219 0.285488712 0.275301524
20 0.325403752 0.312948756 0.301010166 0.289586243 0.278671417 0.268256864
21 0.319946578 0.307101069 0.294824634 0.283113229 0.271958475 0.261348375
22 0.314494825 0.301285858 0.288700305 0.276731264 0.265367 0.254591828
23 0.309064482 0.295518901 0.282652466 0.270454831 0.258910342 0.247999108
24 0.303668903 0.289813231 0.276693541 0.264295432 0.252598757 0.241578914
25 0.298319278 0.284179618 0.270833585 0.258262095 0.246439943 0.235337318
26 0.293024999 0.27862694 0.26508067 0.252361786 0.240439463 0.229278218
27 0.287793948 0.273162485 0.259441195 0.246599726 0.234601093 0.223403704
28 0.282632726 0.267792184 0.253920139 0.240979667 0.228927109 0.217714365
29 0.277546839 0.26252081 0.248521266 0.235504108 0.223418521 0.212209547
30 0.272540851 0.257352135 0.243247298 0.230174485 0.218075282 0.206887568
Factorii de ajustare j pentru venituri variabile

formula liniara
1
f ran
D
J = n care rrcp
f ran =
p
rrcp (1 + r )
rcp
h
1
ipoteza- venituri descresctoare cu rata de randament a capitalului de:
Anul -10 % -11 % -12 % -13 % -14 % -15 %

h=
1 0 0 0 0 0 0
2 0.263157895 0.264550265 0.265957447 0.267379679 0.268817204 0.27027027
3 0.356703567 0.359171296 0.361663653 0.364180847 0.366723086 0.369290573
4 0.407822041 0.41127742 0.414764116 0.418282019 0.421830998 0.425410897
5 0.44194281 0.446341421 0.450774752 0.455242029 0.459742427 0.464275061
6 0.467536283 0.472846112 0.478190331 0.483567117 0.488974554 0.494410639
7 0.488227609 0.494420337 0.500642921 0.506892076 0.513164398 0.519456371
8 0.505825156 0.512873019 0.519941569 0.527025656 0.53412 0.541219211
9 0.521330037 0.52920455 0.537085592 0.544965767 0.552837583 0.560693479
10 0.535339933 0.544011376 0.552669928 0.561305624 0.569908491 0.578468597
11 0.548232673 0.55766992 0.56706942 0.576418388 0.585704196 0.594914456
12 0.560258029 0.570428566 0.580530979 0.590549506 0.600468812 0.610274104
13 0.571587158 0.58245719 0.59322321 0.603866438 0.614368907 0.624713612
14 0.582340855 0.593875476 0.605264785 0.616487068 0.627521942 0.638350535
15 0.592606514 0.604769902 0.616741454 0.628496735 0.640013304 0.651270915
16 0.602448727 0.615204359 0.627716668 0.63995885 0.651906906 0.66353984
17 0.611916141 0.625227018 0.638238449 0.650921751 0.663252002 0.6752082
18 0.62104603 0.634874892 0.648343943 0.661423239 0.674087683 0.68631712
19 0.629867418 0.644176964 0.658062528 0.671493644 0.684445899 0.696900911
20 0.63840326 0.653156354 0.667417966 0.681157957 0.694353536 0.706989075
21 0.646672001 0.661831865 0.676429922 0.690437303 0.703833843 0.716607674
22 0.654688697 0.67021909 0.685115054 0.699350001 0.712907436 0.725780262
23 0.662465843 0.678331229 0.693487796 0.707912307 0.721592997 0.734528532
24 0.670013984 0.686179678 0.701560927 0.71613895 0.729907769 0.742872756
25 0.677342178 0.69377448 0.709345994 0.72404352 0.737867897 0.750832083
26 0.684458344 0.701124647 0.716853615 0.73163874 0.745488666 0.758424742
27 0.691369525 0.708238416 0.724093702 0.738936661 0.752784667 0.765668171
28 0.698082091 0.71512343 0.731075627 0.745948804 0.759769908 0.772579105
29 0.704601893 0.721786876 0.737808341 0.752686247 0.766457883 0.77917363
30 0.710934385 0.728235591 0.744300455 0.759159701 0.772861623 0.785467214

formula liniara
1
f ran
D
J = n care rrcp
f ran =
p
rrcp (1 + r )
rcp
h
1
Anul 16 % 17 % 18 % 19 % 20 % 21 %
h=
1 0 0 0 0 0 0
2 0.231481481 0.230414747 0.229357798 0.228310502 0.227272727 0.226244344
3 0.300471626 0.29858619 0.296719292 0.294870728 0.293040293 0.291227784
4 0.328905816 0.326275802 0.32367405 0.321100328 0.318554396 0.316036015
5 0.341191365 0.337859621 0.334567546 0.331314913 0.328101484 0.324927004
6 0.345479978 0.341481556 0.337536319 0.333644077 0.329804604 0.326017643
7 0.345277911 0.340646471 0.336084131 0.33159074 0.327166083 0.322809877
8 0.342348374 0.337118285 0.331975784 0.326920735 0.321952888 0.317071888
9 0.337678902 0.331885888 0.326201596 0.320625836 0.315158247 0.309798307
10 0.331868231 0.325549431 0.319363104 0.313308898 0.307386216 0.301594228
11 0.325302121 0.318495878 0.311848359 0.305358897 0.299026484 0.292849803
12 0.31824125 0.310986773 0.30391958 0.297038481 0.290341842 0.283827633
13 0.310868543 0.30320552 0.295760387 0.288531179 0.281515379 0.274709981
14 0.303316239 0.295284431 0.287502851 0.279968466 0.272677581 0.265625923
15 0.295682156 0.28732101 0.279243801 0.271446107 0.263922734 0.256667835
16 0.288039899 0.279388174 0.271055089 0.263034482 0.255319325 0.24790188
17 0.2804455 0.271540942 0.262990324 0.254785381 0.246916913 0.239374981
18 0.272941893 0.263820942 0.255089436 0.24673664 0.238750849 0.231119626
19 0.265562021 0.256259568 0.247381888 0.238915418 0.230845629 0.223157317
20 0.258331048 0.248880239 0.239888993 0.231340575 0.223217347 0.215501094
21 0.25126799 0.241700074 0.232625638 0.224024464 0.215875544 0.208157459
22 0.244386939 0.234731154 0.225601599 0.21697429 0.208824634 0.201127851
23 0.237697993 0.227981503 0.218822563 0.210193183 0.202065017 0.194409811
24 0.231208003 0.221455861 0.212290941 0.203681053 0.195593968 0.187997901
25 0.224921154 0.215156305 0.206006522 0.197435267 0.189406355 0.18188445
26 0.218839449 0.209082753 0.199967003 0.191451214 0.183495214 0.176060143
27 0.212963094 0.203233382 0.194168431 0.185722759 0.177852224 0.170514507
28 0.207290831 0.197604972 0.188605562 0.180242619 0.172468087 0.165236294
29 0.201820209 0.192193196 0.183272163 0.175002671 0.167332843 0.16021379
30 0.196547812 0.186992862 0.178161265 0.169994207 0.162436124 0.155435066

Formula liniara
1
f ran
D
J = n care rrcp
f ran =
p
rrcp (1 + r )
rcp
h
1
Anul 22 % 23 % 24 % 25 % 26 % 27 %
h=
1 0 0 0 0 0 0
2 0.225225225 0.224215247 0.223214286 0.222222222 0.221238938 0.220264317
3 0.289432999 0.287655739 0.285895807 0.284153005 0.282427141 0.28071802
4 0.313544939 0.311080921 0.308643713 0.306233062 0.303848716 0.30149042
5 0.321791205 0.318693808 0.315634521 0.312613041 0.309629056 0.306682244
6 0.322282902 0.318600063 0.314968777 0.311388672 0.307859351 0.304380394
7 0.318521782 0.314301404 0.310148294 0.306061959 0.30204186 0.298087416
8 0.312277282 0.307568527 0.302944993 0.298405975 0.293950697 0.289578318
9 0.304545344 0.299398552 0.294356999 0.289419639 0.284585324 0.279852813
10 0.2959319 0.290398002 0.284991137 0.27970975 0.274552151 0.269516527
11 0.286827261 0.280957013 0.275236991 0.269664933 0.264238407 0.258954832
12 0.277493472 0.271336665 0.265354248 0.259543025 0.253899602 0.248420418
13 0.268111552 0.261716294 0.255520097 0.249518592 0.243707197 0.238081162
14 0.258808728 0.252220822 0.245856692 0.239710555 0.23377642 0.228048143
15 0.249675021 0.242937468 0.236448006 0.23019921 0.224183474 0.21839308
16 0.240773844 0.233926475 0.22735071 0.221037274 0.214976765 0.209159741
17 0.232149084 0.225228319 0.21860152 0.212257378 0.206184555 0.200371765
18 0.223830018 0.216868741 0.210222345 0.203877352 0.197820374 0.192038212
19 0.215834848 0.208862379 0.202224035 0.195904068 0.189886977 0.184157614
20 0.208173318 0.201215472 0.194609163 0.188336312 0.182379283 0.176720982
21 0.200848697 0.193927913 0.187374141 0.181166956 0.175286603 0.169714088
22 0.193859317 0.186994835 0.180510855 0.174384634 0.168594349 0.163119177
23 0.187199773 0.18040785 0.174007938 0.167975034 0.16228533 0.15691628
24 0.180861882 0.174156031 0.167851759 0.161921894 0.156340758 0.1510842
25 0.174835436 0.168226678 0.162027199 0.15620778 0.150741002 0.145601249
26 0.16910881 0.162605929 0.156518261 0.150814677 0.145466166 0.140445796
27 0.163669449 0.157279241 0.151308531 0.145724436 0.14049651 0.135596658
28 0.158504242 0.152231759 0.146381539 0.140919113 0.13581276 0.131033381
29 0.153599835 0.147448608 0.141721028 0.136381211 0.131396327 0.126736422
30 0.148942856 0.142915111 0.137311154 0.132093859 0.127229449 0.122687266

Formula lui Ellwood
pentru venituri variabile curbilinii
Dp 1 rrcp 1
J = f ran n care f ran = ; f ac = ;
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Dp= durata de previziune rrcp= rata de randament a capitalului propriu
Anul 1% 1,5% 2% 2,5 % 3% 3,5 %

h=
1 1 1 1 1 1 1
2 0.74750625 0.746264062 0.702479339 0.691358025 0.680529301 0.74132654
3 0.662233406 0.660025244 0.582659099 0.563289438 0.544594569 0.651250235
4 0.618765872 0.615660984 0.507783609 0.481312564 0.45607289 0.603326651
5 0.592020553 0.588046856 0.451447616 0.418779299 0.388107228 0.572267995
6 0.573636441 0.568808125 0.404955163 0.366972678 0.331964773 0.549645908
7 0.560030266 0.554355684 0.364654106 0.322258977 0.284010915 0.531849011
8 0.549410407 0.542895031 0.328768351 0.282874327 0.242454542 0.517072284
9 0.540781536 0.533429273 0.296341405 0.247854559 0.206269808 0.504313533
10 0.533546468 0.525360317 0.266813924 0.216609735 0.174774031 0.492971967
11 0.527325189 0.518307596 0.239832295 0.188734235 0.147445655 0.48266574
12 0.521864368 0.512017437 0.215153861 0.163915645 0.123842421 0.473140717
13 0.516988629 0.506314255 0.192596998 0.141889448 0.103565052 0.464221351
14 0.512572715 0.501072661 0.172013769 0.122416528 0.086242512 0.455782607
15 0.508524781 0.496200733 0.153274692 0.105272539 0.071527404 0.447733122
16 0.504775948 0.491629556 0.1362603 0.090243536 0.059095784 0.440004677
17 0.501273554 0.487306456 0.120856654 0.077124841 0.048648466 0.432545382
18 0.497976646 0.483190488 0.106953179 0.06572145 0.039912374 0.425315137
19 0.4948529 0.47924935 0.094441858 0.055849027 0.032641312 0.418282524
20 0.491876462 0.475457221 0.083217203 0.047334961 0.026615961 0.411422628
21 0.48902641 0.471793219 0.073176624 0.040019222 0.021643116 0.404715488
22 0.486285632 0.468240277 0.064220979 0.033754881 0.017554329 0.398144961
23 0.483639997 0.464784316 0.056255153 0.028408292 0.014204106 0.39169789
24 0.481077733 0.46141362 0.049188586 0.023858942 0.011467848 0.385363476
25 0.478588961 0.458118363 0.042935706 0.019999035 0.009239661 0.379132798
26 0.476165322 0.454890249 0.037416239 0.016732855 0.00743017 0.372998452
27 0.473799703 0.451722224 0.032555401 0.013975995 0.005964414 0.366954263
28 0.47148601 0.448608258 0.028283977 0.011654472 0.004779871 0.360995056
29 0.469218996 0.445543166 0.024538292 0.00970381 0.003824658 0.355116487
30 0.466994115 0.442522466 0.021260097 0.008068106 0.003055918 0.349314892

Formula lui Ellwood
Dp 1 rrcp 1
J = f ran n care f ran = ; f ac =
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -1% -1,5% -2% -2,5 % -3 % -3,5 %

h=
1 1 1 1 1 1 1
2 0.75250625 0.753764062 0.755024997 0.756289056 0.757556237 0.758826538
3 0.671122147 0.673358078 0.675599389 0.677846021 0.680097908 0.682354987
4 0.631265372 0.634409296 0.637560448 0.640718624 0.643883612 0.6470552
5 0.608019433 0.612043076 0.616075411 0.620115984 0.624164328 0.628219967
6 0.593078812 0.597967792 0.602866508 0.607774119 0.612689764 0.617612568
7 0.58288398 0.588629828 0.59438597 0.600151018 0.605923558 0.611702148
8 0.575655158 0.582252318 0.588859776 0.595475413 0.60209707 0.608722551
9 0.570403562 0.577848062 0.585302239 0.59276303 0.600227319 0.607691943
10 0.566535911 0.574824697 0.583121839 0.591423095 0.599724155 0.608020651
11 0.563674649 0.572805223 0.581942058 0.591079472 0.600211703 0.609332919
12 0.56156806 0.571538267 0.581511794 0.591481233 0.601439086 0.61137778
13 0.560041872 0.57084977 0.581657124 0.592454497 0.603232347 0.613981067
14 0.558971591 0.570615369 0.582253745 0.593874919 0.605466988 0.617017989
15 0.558265915 0.570743836 0.58321043 0.59565118 0.608051478 0.620396683
16 0.55785636 0.571166723 0.584458691 0.597714662 0.610916962 0.624047924
17 0.557690546 0.57183166 0.585946098 0.60001278 0.614010587 0.627918479
18 0.557727726 0.57269789 0.587631812 0.602504521 0.617291067 0.631966668
19 0.557935726 0.573733214 0.589483539 0.605157409 0.620725636 0.63615933
20 0.558288799 0.57491185 0.591475392 0.607945364 0.624287925 0.640469702
21 0.558766095 0.576212907 0.593586368 0.610847186 0.62795644 0.644875897
22 0.55935055 0.577619271 0.595799236 0.613845444 0.631713458 0.649359808
23 0.560028063 0.579116787 0.59809972 0.616925658 0.635544209 0.653906288
24 0.560786874 0.580693641 0.600475883 0.620075688 0.639436265 0.658502541
25 0.561617104 0.582339891 0.602917657 0.623285265 0.643379072 0.663137658
26 0.562510386 0.584047109 0.605416488 0.626545631 0.647363596 0.667802258
27 0.563459588 0.585808101 0.607965053 0.629849265 0.651382042 0.672488214
28 0.564458593 0.587616683 0.610557042 0.633189657 0.655427636 0.677188433
29 0.565502122 0.589467512 0.613186985 0.636561142 0.659494452 0.681896681
30 0.566585597 0.591355942 0.615850108 0.639958754 0.663577273 0.686607449

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul 4% 5% 6% 7% 8% 9%
h=
1 1 1 1 1 1 1
2 0.740099962 0.737656157 0.735224809 0.7328059 0.730399408 0.728005311
3 0.64907113 0.64473081 0.640414616 0.636122861 0.631855833 0.627613801
4 0.600265194 0.594169916 0.588112456 0.582093916 0.576115335 0.570177682
5 0.56835411 0.560565784 0.552832235 0.545155953 0.537539272 0.529984384
6 0.54489654 0.535451758 0.526082954 0.516794713 0.507591329 0.498476805
7 0.526275909 0.515201453 0.504229287 0.493366914 0.482621319 0.471998977
8 0.510684921 0.498003556 0.485456725 0.473055747 0.460811098 0.448732406
9 0.497120392 0.482853429 0.468759939 0.454856033 0.441156498 0.427674795
10 0.484981187 0.469149738 0.453538126 0.43816826 0.423060067 0.408231482
11 0.473885457 0.456511107 0.439411057 0.422614045 0.406145934 0.390029692
12 0.463579262 0.444684434 0.426127105 0.407943855 0.390167213 0.372825637
13 0.453887365 0.433495533 0.413513711 0.393987301 0.374956136 0.356454464
14 0.444685112 0.422820912 0.401449075 0.380624734 0.360395539 0.340801645
15 0.435881561 0.412570848 0.389845165 0.367770194 0.346401746 0.325785792
16 0.427408938 0.402678807 0.378637102 0.355360745 0.332913869 0.311347919
17 0.419215812 0.393094589 0.367776276 0.343349574 0.319886874 0.29744449
18 0.411262541 0.383779767 0.357225769 0.331701384 0.307286961 0.284042784
19 0.403518166 0.374704557 0.346957208 0.320389245 0.295088401 0.271117731
20 0.395958226 0.365845632 0.336948569 0.309392383 0.283271324 0.258649708
21 0.388563201 0.357184553 0.327182609 0.298694604 0.271820143 0.246622969
22 0.38131738 0.348706636 0.317645716 0.288283147 0.260722409 0.235024519
23 0.374208023 0.340400105 0.308327069 0.278147841 0.249967972 0.223843295
24 0.367224731 0.332255466 0.299217998 0.268280464 0.239548359 0.213069561
25 0.360358973 0.32426502 0.290311509 0.258674276 0.2294563 0.202694466
26 0.35360371 0.316422499 0.281601908 0.249323639 0.219685381 0.192709718
27 0.346953116 0.308722773 0.273084516 0.240223747 0.210229776 0.183107345
28 0.34040235 0.30116163 0.264755445 0.2313704 0.201084039 0.173879518
29 0.333947375 0.293735591 0.25661142 0.222759837 0.192242956 0.165018431
30 0.327584822 0.28644177 0.248649634 0.214388601 0.183701427 0.15651621

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -4 % -5 % -6 % -7 % -8 % -9 %
h=
1 1 1 1 1 1 1
2 0.760099958 0.762656147 0.765224785 0.767805847 0.770399306 0.773005126
3 0.684617189 0.689156689 0.693715835 0.69829402 0.702890607 0.707504927
4 0.650233167 0.656607333 0.66300425 0.669421973 0.675858472 0.682311631
5 0.632282414 0.640425735 0.648590195 0.656771535 0.664965337 0.673167026
6 0.622541637 0.632414905 0.642302083 0.652195423 0.662086935 0.6719684
7 0.61748532 0.629059416 0.64063362 0.65219535 0.663731708 0.67522952
8 0.615349625 0.628599457 0.641828081 0.655016588 0.668145723 0.681195981
9 0.615153692 0.630055528 0.644906416 0.659679509 0.674347689 0.688883732
10 0.616308161 0.632838319 0.649278496 0.665592229 0.681743006 0.697694557
11 0.618437231 0.636571386 0.654566424 0.672374547 0.689948362 0.707241341
12 0.621289689 0.641002497 0.660516194 0.679769938 0.698704056 0.717260739
13 0.624691002 0.64595589 0.66695013 0.687598171 0.70782681 0.72756618
14 0.628515946 0.651305002 0.673739711 0.695728245 0.717182814 0.738021024
15 0.632672179 0.656956105 0.680789277 0.704062158 0.726671569 0.748522469
16 0.63708998 0.66283808 0.688025843 0.71252477 0.736215785 0.758991493
17 0.641715606 0.668895805 0.695392516 0.721057245 0.745754856 0.769366333
18 0.646506868 0.675085743 0.702844101 0.729612682 0.755240508 0.77959814
19 0.651430101 0.681372933 0.710344107 0.738153132 0.764633811 0.789647983
20 0.656458043 0.687728874 0.717862646 0.746647498 0.773903093 0.799484735
21 0.661568327 0.694130023 0.725374931 0.755070051 0.783022436 0.809083552
22 0.666742377 0.700556701 0.73286019 0.76339933 0.791970574 0.818424732
23 0.671964593 0.706992281 0.74030086 0.771617345 0.800730077 0.827492866
24 0.677221748 0.713422585 0.747681983 0.779708959 0.809286719 0.836276161
25 0.68250252 0.719835423 0.754990744 0.787661428 0.817628994 0.84476592
26 0.687797136 0.726220238 0.762216118 0.795464037 0.825747728 0.852956104
27 0.693097099 0.732567833 0.769348594 0.80310781 0.833635772 0.860842983
28 0.69839497 0.73887015 0.776379955 0.810585285 0.841287744 0.868424832
29 0.70368419 0.745120104 0.7833031 0.817890323 0.848699817 0.875701675
30 0.708958952 0.751311441 0.790111907 0.825017957 0.855869537 0.88267506

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul 10 % 11 % 12 % 13 % 14 % 15 %
h=
1 1 1 1 1 1 1
2 0.725623583 0.723254195 0.720897116 0.718552315 0.716219757 0.713899405
3 0.623397012 0.619205695 0.615040061 0.6109003 0.606786589 0.602699084
4 0.564281868 0.55842874 0.552619087 0.546853642 0.54113308 0.535458024
5 0.522493332 0.51506802 0.507710215 0.500421548 0.493203523 0.486057516
6 0.489454861 0.480528939 0.471702208 0.462977569 0.454357667 0.445844895
7 0.461505857 0.451147429 0.440928677 0.430854107 0.420927763 0.411153236
8 0.436828462 0.425107227 0.413575854 0.402240702 0.391107363 0.380180682
9 0.41442307 0.401412168 0.388651658 0.376149872 0.363913938 0.351949831
10 0.393698458 0.379474996 0.365573187 0.352003273 0.33877371 0.325891253
11 0.374285419 0.358930387 0.343979121 0.329443492 0.315332838 0.301654093
12 0.355943547 0.339541409 0.323635864 0.308239885 0.293362977 0.279011387
13 0.338511011 0.321149126 0.304386988 0.288237874 0.272710464 0.257809177
14 0.321875839 0.303643783 0.286124342 0.269330009 0.253267366 0.237937602
15 0.305958679 0.286947527 0.268770743 0.251438658 0.234954222 0.219313756
16 0.290702026 0.271003616 0.252269197 0.234505287 0.217709419 0.201871213
17 0.27606326 0.255769464 0.236575979 0.218483602 0.201482465 0.185553496
18 0.262010014 0.241212032 0.221656082 0.203335107 0.186229684 0.170309971
19 0.248517025 0.227304718 0.207480171 0.189026157 0.171911435 0.156093282
20 0.235563947 0.214025214 0.194022523 0.175526025 0.158490339 0.142857779
21 0.223133815 0.201354025 0.181259631 0.162805621 0.145930161 0.13055861
22 0.211211949 0.189273432 0.169169256 0.150836671 0.134195145 0.119151236
23 0.199785173 0.177766775 0.157729798 0.139591212 0.123249657 0.108591243
24 0.188841256 0.166817951 0.14691989 0.129041296 0.113058022 0.098834335
25 0.178368506 0.156411085 0.136718152 0.119158852 0.103584515 0.08983644
26 0.168355494 0.14653031 0.127103057 0.10991565 0.094793424 0.081553887
27 0.158790856 0.137159631 0.118052871 0.101283338 0.086649177 0.073943616
28 0.149663164 0.128282862 0.109545663 0.093233514 0.0791165 0.066963389
29 0.140960846 0.119883597 0.101559342 0.085737843 0.072160576 0.060572001
30 0.132672143 0.11194522 0.094071721 0.078768169 0.065747215 0.054729474

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -10 % -11 % -12 % -13 % -14 % -15 %

h=
1 1 1 1 1 1 1
2 0.775623269 0.778253688 0.780896333 0.783551145 0.78621806 0.788897005
3 0.712136273 0.716783905 0.721447047 0.726124885 0.730816565 0.735521197
4 0.688779248 0.695259034 0.701748609 0.70824551 0.714747182 0.721250982
5 0.681371872 0.689574995 0.697771373 0.705955841 0.714123103 0.722267736
6 0.681831381 0.691667248 0.701467192 0.711222252 0.720923336 0.730561244
7 0.686675379 0.698055691 0.709356732 0.720564698 0.731665766 0.742646151
8 0.694147698 0.706981152 0.719676671 0.732214743 0.744576125 0.756741961
9 0.70326049 0.717451073 0.73142904 0.745168586 0.758644737 0.771833528
10 0.713411156 0.728857923 0.744001127 0.758808482 0.773249433 0.787295422
11 0.724208297 0.740805838 0.756992814 0.772730741 0.787984182 0.802721099
12 0.735384735 0.753023992 0.770130278 0.786659722 0.802573299 0.817837216
13 0.746750705 0.765319971 0.783219506 0.800401442 0.816825044 0.832457092
14 0.758167122 0.777553113 0.79611968 0.81381692 0.83060484 0.846453637
15 0.769529536 0.78961849 0.808727125 0.826806014 0.843818872 0.859742583
16 0.780758086 0.801436842 0.820965161 0.839297113 0.856403507 0.87227149
17 0.79179098 0.812948005 0.832777418 0.85124025 0.868318103 0.88401212
18 0.802580115 0.824106459 0.844123258 0.8626023 0.879539884 0.894954894
19 0.813088045 0.834878212 0.854974492 0.873363482 0.89006013 0.905104679
20 0.823285815 0.845238534 0.865312973 0.883514709 0.899881232 0.914477493
21 0.83315138 0.855170269 0.875128734 0.893055516 0.909014345 0.923097839
22 0.842668398 0.864662526 0.884418525 0.901992389 0.91747747 0.930996539
23 0.851825312 0.873709642 0.893184629 0.910337387 0.925293873 0.938208936
24 0.860614605 0.882310338 0.901433868 0.918106988 0.932490754 0.944773412
25 0.869032201 0.890467011 0.90917677 0.925321109 0.939098126 0.950730164
26 0.877076965 0.89818514 0.916426856 0.932002271 0.94514788 0.956120204
27 0.884750278 0.905472767 0.92320002 0.938174883 0.950673 0.960984542
28 0.892055668 0.912340053 0.929513995 0.943864633 0.955706904 0.965363547
29 0.898998497 0.91879888 0.93538789 0.949097972 0.960282915 0.969296437
30 0.905585671 0.924862508 0.940841781 0.953901672 0.964433822 0.972820901

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
ipoteza- venituri cresctoare de:
Anul 16 % 17 % 18 % 19 % 20 % 21 %
h=
1 1 1 1 1 1 1
2 0.711591221 0.709295164 0.707011194 0.704739267 0.702479339 0.700231363
3 0.598637928 0.594603247 0.590595153 0.586613742 0.582659099 0.578731294
4 0.529829045 0.524246664 0.518711355 0.513223543 0.507783609 0.502391893
5 0.478984781 0.471986455 0.465063562 0.458217013 0.451447616 0.444756078
6 0.437441402 0.429149103 0.420969684 0.412904618 0.404955163 0.397122382
7 0.401533685 0.392071851 0.382770069 0.373630292 0.364654106 0.355842743
8 0.369464791 0.358963132 0.348678494 0.338613042 0.328768351 0.319145438
9 0.340262418 0.328855515 0.317731939 0.306893569 0.296341405 0.286075626
10 0.313361036 0.30118667 0.289370335 0.27791288 0.266813924 0.256071957
11 0.288411933 0.275608927 0.2632457 0.251321085 0.239832295 0.228775078
12 0.265188336 0.251894267 0.239127087 0.226882421 0.215153861 0.203933207
13 0.243534529 0.22988351 0.216849952 0.204424904 0.192596998 0.181352788
14 0.223337046 0.209457713 0.196287846 0.183812444 0.172013769 0.160871829
15 0.20450772 0.19052149 0.177336108 0.164929007 0.153274692 0.142345374
16 0.186973438 0.172993077 0.159902334 0.147669594 0.1362603 0.125637751
17 0.170669866 0.156798392 0.14390085 0.131935196 0.120856654 0.1106187
18 0.155537612 0.141867532 0.129249601 0.117630126 0.106953179 0.097161731
19 0.141519924 0.128132787 0.115868525 0.104660807 0.094441858 0.08514375
20 0.128561377 0.115527617 0.103678856 0.092935393 0.083217203 0.074445342
21 0.116607188 0.103986227 0.092602968 0.082363897 0.073176624 0.064951364
22 0.105602952 0.093443524 0.082564552 0.072858561 0.064220979 0.056551621
23 0.095494629 0.083835283 0.073488948 0.064334337 0.056255153 0.049141495
24 0.086228686 0.075098436 0.065303551 0.056709375 0.049188586 0.042622459
25 0.077752331 0.067171401 0.057938222 0.049905467 0.042935706 0.036902441
26 0.070013774 0.05999442 0.051325658 0.043848411 0.037416239 0.031896044
27 0.062962507 0.053509871 0.0454017 0.038468285 0.032555401 0.027524604
28 0.056549554 0.047662531 0.040105579 0.033699626 0.028283977 0.023716132
29 0.050727703 0.042399793 0.035380084 0.029481515 0.024538292 0.020405141
30 0.045451692 0.037671827 0.03117166 0.025757588 0.021260097 0.017532392

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -16 % -17 % -18 % -19 % -20 % -21 %

h=
1 1 1 1 1 1 1
2 0.791587902 0.794290663 0.797005193 0.799731388 0.802469136 0.805218314
3 0.740237848 0.744965544 0.749703267 0.754449959 0.759204515 0.763965783
4 0.727754182 0.734253963 0.740747422 0.747231571 0.753703336 0.760159565
5 0.730384199 0.738466843 0.746509921 0.754507595 0.762453953 0.770343016
6 0.740126701 0.749610383 0.759002948 0.768295066 0.777477457 0.786540922
7 0.753492169 0.764190306 0.774727276 0.785090095 0.795266141 0.805243226
8 0.768693895 0.780414186 0.791885819 0.803092618 0.814019344 0.824651796
9 0.784712193 0.797259329 0.809455062 0.821281189 0.832721314 0.843760958
10 0.800920139 0.814099739 0.826813042 0.839041688 0.850770262 0.861986386
11 0.816913146 0.830535912 0.843569108 0.855996686 0.867806898 0.878992292
12 0.832423222 0.846308807 0.859477308 0.871917908 0.883625546 0.894600726
13 0.847272108 0.86125243 0.874388133 0.886676804 0.898123185 0.908738702
14 0.861343732 0.875265591 0.888219329 0.900214132 0.911267524 0.921404501
15 0.8745669 0.888293849 0.900936875 0.912519774 0.923075461 0.932644637
16 0.886903723 0.9003172 0.912541779 0.923618488 0.933597717 0.942537341
17 0.898341432 0.911341207 0.923060413 0.933559408 0.942907475 0.9511804
18 0.908886312 0.921390326 0.932537198 0.942408066 0.951091814 0.95868213
19 0.918559025 0.930502729 0.941028915 0.950240258 0.958245228 0.965154711
20 0.927390915 0.938726209 0.948600255 0.957137321 0.964464769 0.970709375
21 0.935421031 0.946114908 0.955320321 0.96318252 0.96984647 0.975453037
22 0.942693707 0.952726706 0.961259913 0.96845835 0.974482805 0.979486081
23 0.949256596 0.95862115 0.966489446 0.973044567 0.978460968 0.98290101
24 0.955159087 0.963857835 0.971077401 0.977016817 0.981861801 0.985781787
25 0.96045102 0.968495158 0.975089206 0.980445744 0.984759216 0.988203658
26 0.965181695 0.972589397 0.978586474 0.98339648 0.987220011 0.990233335
27 0.96939909 0.976194046 0.981626532 0.985928415 0.989303946 0.991929414
28 0.973149288 0.979359373 0.984262166 0.988095208 0.991064029 0.993342954
29 0.97647606 0.982132153 0.986541557 0.989944937 0.992546917 0.994518128
30 0.97942059 0.984555538 0.988508338 0.991520374 0.99379341 0.995492915

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul 22 % 23 % 24 % 25 % 26 % 27 %
h=
1 1 1 1 1 1 1
2 0.697995293 0.695771079 0.693558673 0.691358025 0.689169081 0.686991791
3 0.574830386 0.570956419 0.567109429 0.563289438 0.55949646 0.555730495
4 0.497048693 0.491754264 0.486508827 0.481312564 0.476165623 0.471068118
5 0.438143007 0.431608917 0.425154234 0.418779299 0.412484369 0.406269625
6 0.389407142 0.38181013 0.37433186 0.366972678 0.359732775 0.352612194
7 0.347197107 0.338717786 0.330405072 0.322258977 0.314279254 0.306465411
8 0.309744798 0.300566438 0.291609905 0.282874327 0.274358438 0.266060616
9 0.27609565 0.266400195 0.256987335 0.247854559 0.238998825 0.230416613
10 0.245684437 0.235647892 0.22595801 0.216609735 0.207597353 0.198914578
11 0.218143871 0.207931958 0.198131613 0.188734235 0.179730485 0.171110405
12 0.193210697 0.182975237 0.173214603 0.163915645 0.155064465 0.146646588
13 0.17067709 0.160553288 0.150963621 0.141889448 0.133311485 0.125210025
14 0.150364819 0.140469535 0.131161746 0.122416528 0.11420856 0.106512387
15 0.132111542 0.122542484 0.113606747 0.105272539 0.097508074 0.090281872
16 0.115763819 0.10659957 0.098105809 0.090243536 0.082974331 0.076260663
17 0.101173899 0.092474634 0.084473708 0.077124841 0.070383065 0.064205029
18 0.088198623 0.080007361 0.072532761 0.06572145 0.059522248 0.053886436
19 0.076699455 0.069043691 0.062113559 0.055849027 0.050193251 0.045092785
20 0.066543056 0.059436621 0.053055941 0.047334961 0.042211902 0.037629364
21 0.057602043 0.051047078 0.045209896 0.040019222 0.03540919 0.031319316
22 0.049755735 0.043744667 0.03843624 0.033754881 0.029631568 0.026003635
23 0.042890775 0.037408212 0.032607011 0.028408292 0.024740835 0.021540703
24 0.036901569 0.031926061 0.027605576 0.023858942 0.020613693 0.017805483
25 0.031690531 0.027196161 0.023326484 0.019999035 0.017141008 0.014688453
26 0.027168152 0.023125929 0.019675097 0.016732855 0.014226893 0.01209437
27 0.023252896 0.019631949 0.016567069 0.013975995 0.011787662 0.009940954
28 0.019870968 0.016639547 0.013927689 0.011654472 0.009750717 0.008157548
29 0.016955979 0.014082259 0.01169117 0.00970381 0.00805343 0.006683801
30 0.014448522 0.011901253 0.009799881 0.008068106 0.006642046 0.00546842

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -22 % -23 % -24 % -25 % -26 % -27 %

h=
1 1 1 1 1 1 1
2 0.807978791 0.810750423 0.813533058 0.816326531 0.819130665 0.82194527
3 0.768732567 0.773503623 0.778277656 0.783053324 0.787829233 0.79260394
4 0.766597021 0.773012393 0.779402294 0.785763265 0.792091781 0.798384251
5 0.778168758 0.785925114 0.793605999 0.801205323 0.808717008 0.816135006
6 0.795476379 0.804274902 0.812927755 0.821426432 0.829762692 0.837928598
7 0.815009658 0.824554305 0.833866659 0.842936891 0.851755908 0.860315405
8 0.834976907 0.844982819 0.854658961 0.863996109 0.872986441 0.881623572
9 0.854387657 0.864591027 0.874362823 0.88369696 0.892589522 0.901038741
10 0.872680761 0.882847183 0.89248251 0.901586596 0.910162193 0.918214813
11 0.889549641 0.899479821 0.908787627 0.917481546 0.925573481 0.933078451
12 0.904849245 0.91438185 0.923213824 0.93136453 0.938856917 0.945716996
13 0.918540893 0.927552764 0.935802082 0.943320646 0.950143534 0.956308365
14 0.930656584 0.939060805 0.94665868 0.953495174 0.959617716 0.96507526
15 0.941274394 0.949016813 0.955927598 0.962064783 0.967487545 0.972255131
16 0.950500864 0.957555639 0.963771209 0.969217818 0.973965098 0.978080969
17 0.958458173 0.964822886 0.97035687 0.975141097 0.97925387 0.982769784
18 0.965274841 0.970965589 0.975847874 0.980011487 0.983541308 0.986516452
19 0.971079096 0.976125862 0.980397672 0.983990967 0.986994997 0.989491257
20 0.975994315 0.980436828 0.984146509 0.987224195 0.989761347 0.991839855
21 0.980136061 0.984020246 0.98721982 0.989837823 0.991965933 0.993684697
22 0.983610336 0.98698539 0.989727859 0.991940962 0.993714845 0.995127277
23 0.986512753 0.989428826 0.991766155 0.993626356 0.995096588 0.996250722
24 0.988928358 0.991434796 0.993416491 0.994971952 0.996184209 0.997122426
25 0.990931918 0.993075992 0.994748159 0.996042627 0.997037451 0.997796562
26 0.992588504 0.994414551 0.99581936 0.996891932 0.997704786 0.998316342
27 0.993954262 0.995503157 0.996678598 0.997563751 0.998225279 0.998716017
28 0.99507727 0.996386163 0.997366028 0.998093813 0.998630215 0.999022576
29 0.995998425 0.997100674 0.997914695 0.99851105 0.998944524 0.999257178
30 0.996752312 0.997677561 0.998351652 0.99883877 0.99918797 0.999436339

Formula lui ELlwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul 28 % 29 % 30 % 40 % 50 % 60 %
h=
1 1 1 1 1 1 1
2 0.6848261 0.682671955 0.680529301 0.659722222 0.64 0.621301775
3 0.551991538 0.548279571 0.544594569 0.509216396 0.476454294 0.446187128
4 0.466020132 0.461021715 0.45607289 0.409298657 0.367337278 0.329903507
5 0.400135175 0.394081052 0.388107228 0.332737484 0.284989106 0.244183232
6 0.34561084 0.338728483 0.331964773 0.270702325 0.220267963 0.179257046
7 0.298816727 0.29133227 0.284010915 0.219409142 0.168941434 0.130110491
8 0.257978905 0.250111055 0.242454542 0.176814446 0.128402405 0.093312356
9 0.222103977 0.214056593 0.206269808 0.141554171 0.096684207 0.066151437
10 0.190554625 0.182510294 0.174774031 0.112558139 0.072147446 0.046397582
11 0.162863532 0.154979003 0.147445655 0.088906108 0.053385493 0.032229998
12 0.138647109 0.131050839 0.123842421 0.069777561 0.039198034 0.022196885
13 0.117565125 0.110356776 0.103565052 0.054437543 0.028579615 0.015171263
14 0.09930264 0.092554231 0.086242512 0.042234387 0.020706273 0.010300057
15 0.083562998 0.077321267 0.071527404 0.03259934 0.014917047 0.0069517
16 0.070066143 0.064355712 0.059095784 0.025044455 0.010691921 0.004667422
17 0.058549231 0.053376173 0.048648466 0.019158002 0.007628702 0.003119309
18 0.048767941 0.044123434 0.039912374 0.014597828 0.005420907 0.002076155
19 0.040497681 0.036361509 0.032641312 0.011083475 0.003837956 0.00137681
20 0.033534325 0.029878053 0.026615961 0.008387842 0.002708277 0.000910056
21 0.027694359 0.024484107 0.021643116 0.006328997 0.001905419 0.000599771
22 0.022814488 0.020013242 0.017554329 0.004762572 0.001336947 0.00039423
23 0.018750778 0.016320253 0.014204106 0.003574954 0.000935775 0.000258505
24 0.015377449 0.013279537 0.011467848 0.00267739 0.000653516 0.000169136
25 0.012585449 0.010783283 0.009239661 0.002000992 0.000455462 0.000110442
26 0.010280905 0.008739607 0.00743017 0.001492602 0.000316834 7.19843E-05
27 0.008383526 0.007070691 0.005964414 0.001111406 0.00022002 4.68389E-05
28 0.006825044 0.005711008 0.004779871 0.000826207 0.000152545 3.04298E-05
29 0.005547716 0.004605665 0.003824658 0.000613261 0.000105607 1.97408E-05
30 0.004502942 0.003708896 0.003055918 0.000454558 7.30121E-05 1.27894E-05

Formula lui Ellwood
Dp 1 rrcp 1
(1 f ac ) rrcp (1 + rrcp ) 1
h
(1 + rrcp )h
Anul -28 % -29 % -30 % -40 % -50 % -60 %

h=
1 1 1 1 1 1 1
2 0.824770146 0.827605075 0.830449827 0.859375 0.888888889 0.918367347
3 0.797375947 0.802143705 0.806905611 0.853810912 0.897959184 0.936883629
4 0.804637025 0.810846398 0.817008617 0.87518923 0.924444444 0.961561795
5 0.823453316 0.830666005 0.837767224 0.901465027 0.949011446 0.978987
6 0.845916554 0.853719338 0.861330142 0.925736827 0.96749811 0.989245704
7 0.868607909 0.876626822 0.884366453 0.94583794 0.98009796 0.994737205
8 0.889902582 0.89782003 0.905373957 0.961483339 0.988173779 0.997505935
9 0.909044957 0.916610559 0.923739897 0.973158148 0.993133452 0.998845893
10 0.925752567 0.932785975 0.939327758 0.981601764 0.996085154 0.999475591
11 0.940014248 0.946401094 0.952261266 0.98756165 0.997800348 0.999765098
12 0.951973314 0.957656422 0.962798362 0.991687338 0.998778641 0.999895977
13 0.961854576 0.96682275 0.971253976 0.994498441 0.999328434 0.999954365
14 0.969917421 0.974193702 0.977952819 0.996388977 0.999633741 0.999980136
15 0.976425931 0.980056691 0.983201874 0.997646641 0.999801623 0.99999141
16 0.981630732 0.984676366 0.987276012 0.998475661 0.999893185 0.999996306
17 0.985758956 0.988286492 0.990412181 0.999017893 0.999942779 0.999998419
18 0.989009724 0.991087352 0.992808927 0.99937019 0.999969482 0.999999327
19 0.991553254 0.993246542 0.994628982 0.99959777 0.999983787 0.999999714
20 0.993532173 0.994901705 0.996003375 0.999744049 0.999991417 0.999999879
21 0.995064069 0.996164155 0.997036085 0.999837659 0.99999547 0.999999949
22 0.996244592 0.997122779 0.997808634 0.999897332 0.999997616 0.999999979
23 0.997150671 0.997847795 0.998384285 0.999935241 0.999998748 0.999999991
24 0.997843588 0.998394168 0.998811704 0.99995925 0.999999344 0.999999996
25 0.998371758 0.998804587 0.999128054 0.999974413 0.999999657 0.999999998
26 0.998773161 0.999111982 0.999361523 0.999983965 0.999999821 0.999999999
27 0.999077402 0.999341606 0.999533377 0.99998997 0.999999907 1
28 0.999307435 0.999512721 0.999659577 0.999993736 0.999999952 1
29 0.999480973 0.999639956 0.99975205 0.999996094 0.999999975 1
30 0.999611621 0.999734372 0.999819677 0.999997568 0.999999987 1
Anuiti ce se modific cu o rat constant la o dobnd de 1 %

(valoarea prezent a plilor lunare ncepnd cu 1 leu
sau alt unitate monetar $, euro, , etc.)
rata dobnzii de 1 % i creterea procentual de 1 %

Luna n= Lunar Trimestrial Semestrial
0 1 1 1
1 0.9991674 0.331676325 0.165494745
2 2.0074861 0.664177719 0.331126432
3 3.0250401 0.997506234 0.496895176
4 4.0519139 1.331663929 0.662801088
5 5.0881929 1.666652864 0.828844284
6 6.1339632 2.002475109 0.995024876
7 7.1893117 2.339132736 1.161342977
8 8.2543263 2.676627823 1.327798703
9 9.3290953 3.014962454 1.494392167
10 10.413708 3.354138717 1.661123482
11 11.508255 3.694158705 1.827992763
rata dobnzii de 1 % i creterea procentual de 1.5 %

Luna n= Lunar Trimestrial Semestrial Anual
0 1 1 1 1
1 0.9991674 0.331129602 0.165154079 0.082321631
2 2.0124778 0.663629789 0.330580917 0.164677147
3 3.0401315 0.997506234 0.496280964 0.247066561
4 4.0823316 1.332764634 0.662254671 0.329489887
5 5.1392838 1.669410709 0.828502491 0.411947139
6 6.2111971 2.007450202 0.995024876 0.494438332
7 7.2982831 2.346888882 1.161822279 0.576963478
8 8.4007567 2.687732538 1.328895155 0.659522592
9 9.5188357 3.029986988 1.496243959 0.742115689
10 10.652741 3.37365807 1.663869146 0.824742781
11 11.802696 3.718751647 1.831771172 0.907403884
rata dobnzii de 1 % i creterea procentual de 2 %
Luna n= Lunar Trimestrial Semestrial Anual

0 1 1 1 1
1 0.9991674 0.330585867 0.16481546 0.082136184
2 2.0174695 0.663084257 0.330038382 0.164339831
3 3.0552728 0.997506234 0.495669774 0.246610997
4 4.1129508 1.333862927 0.661710645 0.328949738
5 5.1908841 1.672165529 0.828162007 0.411356108
6 6.2894606 2.012425296 0.995024876 0.493830164
7 7.4090755 2.354653552 1.162300268 0.576371961
8 8.5501319 2.698861685 1.329989204 0.658981554
9 9.7130404 3.045061149 1.498092706 0.741659
10 10.898219 3.393263464 1.666611799 0.824404354
11 12.106095 3.743480218 1.83554751 0.907217672
rata dobnzii de 2 % i creterea procentual periodic (lunar, trimestrial, anual)

de 1%
Luna n= Lunar Trimestrial Anual

0 1 1 1
1 0.9983361 0.331126432 0.082068776
2 2.0049778 0.662801088 0.164070198
3 3.0199943 0.995024876 0.246004323
4 4.0434551 1.327798703 0.327871206
5 5.0754306 1.661123482 0.409670902
6 6.1159916 1.995000124 0.491403465
7 7.1652095 2.329429543 0.573068952
8 8.2231564 2.664412653 0.654667417
9 9.2899048 2.999950373 0.736198915
10 10.365528 3.33604362 0.817663501
11 11.4501 3.672693313 0.89906123
rata dobnzii de 2 % i creterea procentual periodic de 1,5 %
Luna
n=
0 1 1 1 1
1 0.9983361 0.330580917 0.164677147 0.08188348
2 2.0099612 0.662254671 0.329489887 0.163733435
3 3.0350522 0.995024876 0.494438332 0.24554988
4 4.0737883 1.328895155 0.659522592 0.327332827
5 5.1263513 1.663869146 0.824742781 0.409082291
6 6.192925 1.999950496 0.99009901 0.490798286
7 7.273696 2.337142868 1.155591391 0.572480824
8 8.3688534 2.675449933 1.321220035 0.654129921
9 9.4785885 3.014875377 1.486985056 0.735745588
10 10.603096 3.355422896 1.652886566 0.817327841
11 11.742571 3.697096201 1.818924676 0.898876693
rata dobnzii de 2 % i creterea procentual periodic de 2 %
Luna
Lunar Trimestrial Semestrial
n=
0 1 1 1
1 0.9983361 0.330038382 0.164339831
2 2.0149446 0.661710645 0.328949738
3 3.0501599 0.995024876 0.493830164
4 4.1043225 1.329989204 0.658981554
5 5.1777794 1.666611799 0.824404354
6 6.2708835 2.004900869 0.99009901
7 7.3839945 2.344864665 1.156065968
8 8.5174786 2.686511477 1.322305675
9 9.6717086 3.029849638 1.488818581
10 10.847064 3.37488752 1.655605134
11 12.043932 3.721633539 1.822665784
Luna
n=
0 1 1 1 1
1 0.9975062 0.330578663 0.164541666 0.081635248
2 2.0024751 0.661430531 0.328947962 0.16313721
3 3.0149625 0.992555831 0.493219 0.244506104
4 4.0350245 1.323954789 0.65735489 0.325742146
5 5.062718 1.655627629 0.821355745 0.406845553
6 6.0980999 1.98757458 0.985221675 0.487816543
7 7.1412278 2.319795867 1.148952791 0.568655331
8 8.1921597 2.652291718 1.312549204 0.649362133
9 9.2509539 2.985062358 1.476011025 0.729937164
10 10.317669 3.318108016 1.639338364 0.810380641
11 11.392365 3.651428918 1.802531333 0.890692777
Luna
Lunar Trimestrial Anual
n=
0 1 1 1
1 0.9975062 0.33003435 0.081451256
2 2.0074502 0.660885619 0.162802998
3 3.029987 0.992555831 0.244055347
4 4.0652736 1.325047012 0.325208424
5 5.113469 1.658361195 0.40626235
6 6.1747342 1.992500416 0.487217248
7 7.2492322 2.327466717 0.568073237
8 8.3371278 2.663262147 0.64883044
9 9.4385883 2.999888756 0.729488975
10 10.553783 3.337348603 0.810048964
11 11.682882 3.675643751 0.890510528
rata dobnzii de 3 % i creterea procentual periodic de 2%
Luna
n=
0 1 1 1 1
1 0.9975062 0.32949301 0.163867588 0.081268417
2 2.0124253 0.660343091 0.327869439 0.162470789
3 3.0450611 0.992555831 0.492005664 0.243607169
4 4.0957231 1.326136844 0.656276371 0.32467761
5 5.1647257 1.661091764 0.820681671 0.405682167
6 6.2523893 1.997426251 0.985221675 0.486620893
7 7.3590394 2.335145986 1.149896493 0.567493841
8 8.4850077 2.674256675 1.314706235 0.648301065
9 9.6306313 3.014764046 1.479651012 0.729042618
10 10.796253 3.356673852 1.644730934 0.809718554
11 11.982223 3.699991869 1.809946113 0.890328925
Luna
Lunar Semestrial Anual
n=
0 1 1 1
1 0.9966777 0.164070198 0.081207537
2 1.9999779 0.327871206 0.162217233
3 3.0099446 0.491403465 0.243029572
4 4.0266219 0.654667417 0.323645034
5 5.0500546 0.817663501 0.404064098
6 6.0802876 0.980392157 0.484287243
7 7.1173659 1.142853824 0.564314946
8 8.1613351 1.305048939 0.644147684
9 9.212241 1.466977941 0.723785931
10 10.27013 1.628641266 0.803230162
11 11.335047 1.790039349 0.882480848
rata dobnzii de 4 % i creterea procentual periodic de 1,5%
Luna
n=
0 1 1 1 1
1 0.9966777 0.329489887 0.163733435 0.081024828
2 2.0049448 0.659522592 0.327332827 0.161885531
3 3.0249358 0.99009901 0.490798286 0.242582441
4 4.0567872 1.321220035 0.654129921 0.323115889
5 5.1006369 1.652886566 0.817327841 0.403486208
6 6.1566244 1.9850995 0.980392157 0.483693726
7 7.2248908 2.317859738 1.143322977 0.563738774
8 8.3055789 2.651168182 1.306120411 0.643621682
9 9.3988331 2.985025735 1.468784569 0.723342777
10 10.5048 3.319433301 1.631315558 0.802902387
11 11.623626 3.654391787 1.793713489 0.88230084
Luna
Lunar Trimestrial Anual
n=
0 1 1 1
1 0.9966777 0.328949738 0.080843264
2 2.0099116 0.658981554 0.161555816
3 3.0399766 0.99009901 0.242137866
4 4.0871523 1.322305675 0.322589626
5 5.1517229 1.655605134 0.402911306
6 6.2339774 1.99000098 0.483103117
7 7.3342096 2.325496821 0.563165269
8 8.4527181 2.662096274 0.64309797
9 9.5898064 2.99980297 0.722901432
10 10.745783 3.338620552 0.802575862
11 11.920962 3.678552673 0.882121469
Luna
n=
0 1 1 1 1
1 0.9958506 0.329489441 0.163602059 0.080785512
2 1.9974863 0.658707473 0.326802634 0.161309971
3 3.0049405 0.987654321 0.489602709 0.241574222
4 4.0182473 1.316330208 0.652003268 0.321579106
5 5.0374404 1.644735356 0.814005291 0.40132546
6 6.0625542 1.972869989 0.975609756 0.480814121
7 7.0936229 2.30073433 1.136817639 0.56004592
8 8.1306813 2.628328602 1.297629912 0.639021687
9 9.1737641 2.955653026 1.458047548 0.717742251
10 10.222906 3.282707826 1.618071513 0.796208436
11 11.278143 3.609493223 1.777702775 0.874421063
rata dobnzii de 5 % i creterea procentual periodic de 1,5%
Luna
n=
0 1 1 1 1
1 0.9958506 0.328947517 0.163266576 0.080604068
2 2.0024449 0.65816555 0.326266593 0.160980741
3 3.0198986 0.987654321 0.489000485 0.241130659
4 4.0483291 1.317414054 0.651468688 0.321054463
5 5.0878546 1.647444971 0.813671633 0.400752791
6 6.1385949 1.977747295 0.975609756 0.480226279
7 7.2006711 2.308321249 1.137283488 0.55947556
8 8.2742053 2.639167057 1.298693261 0.638501268
9 9.3593212 2.970284942 1.459839505 0.717304033
10 10.456144 3.301675129 1.620722652 0.795884484
11 11.564799 3.63333784 1.78134313 0.874243249
Luna
n=
0 1 1 1 1
1 0.9958506 0.328408552 0.162933106 0.08042376
2 2.0074035 0.657625994 0.325733476 0.16065348
3 3.0349061 0.987654321 0.488401217 0.240689629
4 4.07861 1.318495528 0.65093644 0.320532674
5 5.1387706 1.650151619 0.81333925 0.40018308
6 6.2156475 1.9826246 0.975609756 0.479641313
7 7.3095042 2.315916483 1.137748066 0.558907836
8 8.4206084 2.650029285 1.299754288 0.637983112
9 9.5492321 2.984965029 1.461628529 0.716867601
10 10.695652 3.320725741 1.623370896 0.795561765
11 11.860147 3.657313453 1.784981497 0.874066063

Luna
n=
0 1 1 1 1
1 0.9950249 0.328947962 0.16313721 0.080369049
2 1.9950001 0.65735489 0.325742146 0.160415138
3 2.9999504 0.985221675 0.487816543 0.240139566
4 4.0099004 1.312549204 0.649362133 0.319543625
5 5.024875 1.639338364 0.810380641 0.398628603
6 6.0448993 1.965590041 0.970873786 0.477395782
7 7.0699983 2.291305119 1.130843284 0.555846438
8 8.1001973 2.61648448 1.290290842 0.633981844
9 9.1355216 2.941129006 1.449218164 0.711803267
10 10.175997 3.265239577 1.607626946 0.789311968
11 11.221649 3.588817069 1.765518881 0.866509204
Luna
Lunar Semestrial Anual
n=
0 1 1 1
1 0.9950249 0.162802998 0.080188851
2 1.9999505 0.325208424 0.160088341
3 3.0148754 0.487217248 0.239699514
4 4.039899 0.64883044 0.319023409
5 5.0751219 0.810048964 0.398061065
6 6.1206455 0.970873786 0.476813514
7 7.1765723 1.131305867 0.555281784
8 8.2430059 1.291346165 0.633466902
9 9.3200507 1.450995638 0.711369889
10 10.407812 1.610255239 0.788991763
11 11.506398 1.769125921 0.866333538
Luna
n=
0 1 1 1 1
1 0.9950249 0.327869439 0.162470789 0.08000978
2 2.0049009 0.656276371 0.32467761 0.159763497
3 3.0298496 0.985221675 0.486620893 0.239261972
4 4.0700961 1.314706235 0.648301065 0.31850602
5 5.1258687 1.644730934 0.809718554 0.397496456
6 6.1973991 1.975296658 0.970873786 0.476234091
7 7.2849225 2.306404295 1.131767189 0.554719736
8 8.3886775 2.638054732 1.292399187 0.632954196
9 9.5089066 2.970248859 1.452770204 0.710938275
10 10.645855 3.302987567 1.612880666 0.788672774
11 11.799774 3.63627175 1.772730995 0.866158492
Anuiti ce se modific cu o rat constant la o dobnd de 5%

(valoarea prezent a plilor anuale ncepnd cu 1 leu
rata dobnzii 5 %, creterile procentuale anuale de :

Anul h= 7% 8% 9% 10 % 11 % 12 %
1 0.952380952 0.952380952 0.952380952 0.952380952 0.952380952 0.952380952
2 1.922902494 1.931972789 1.941043084 1.950113379 1.959183673 1.968253968
3 2.911910161 2.939552964 2.967368535 2.995356873 3.023517979 3.051851852
4 3.919756069 3.975921144 4.032792098 4.090373867 4.148671387 4.207689594
5 4.946799041 5.041899843 5.138803225 5.237534527 5.338119276 5.440583186
6 5.993404737 6.138335077 6.28694811 6.439321886 6.595535615 6.755669684
7 7.05994578 7.266097032 7.478831848 7.698337214 7.924804317 8.158428616
8 8.14680189 8.426080756 8.71612068 9.017305652 9.33003123 9.654704809
9 9.254360021 9.619206873 10.00054433 10.39908211 10.81555682 11.25073275
10 10.3830145 10.84642231 11.33389839 11.84665745 12.3859696 12.95316255
11 11.53316716 12.10870104 12.7180469 13.36316495 14.04612024 14.76908767
12 12.70522748 13.40704488 14.15492488 14.95188709 15.80113663 16.70607447
13 13.89961277 14.74248426 15.64654107 16.61626266 17.65643968 18.77219372
14 15.11674825 16.11607905 17.19498073 18.35989422 19.61776004 20.97605426
15 16.35706726 17.5289194 18.80240857 20.18655585 21.69115585 23.32683882
16 17.6210114 18.98212662 20.47107175 22.10020137 23.88303143 25.83434237
17 18.90903067 20.47685405 22.20330305 24.10497286 26.20015703 28.50901281
18 20.22158363 22.01428797 24.00152412 26.20520966 28.64968981 31.36199462
19 21.5591376 23.59564858 25.86824885 28.40545774 31.2391959 34.40517521
20 22.9221688 25.22219092 27.8060869 30.71047954 33.97667376 37.65123451
21 24.31116249 26.8952059 29.81774736 33.12526428 36.87057893 41.11369776
22 25.7266132 28.61602131 31.90604249 35.65503877 39.9298501 44.8069919
23 27.16902488 30.38600287 34.07389173 38.30527871 43.16393678 48.74650564
24 28.63891107 32.20655533 36.3243257 41.08172055 46.5828284 52.94865364
25 30.13679509 34.07912358 38.66049049 43.99037391 50.19708526 57.43094483
26 31.66321024 36.00519378 41.08565203 47.03753457 54.01787109 62.21205544
27 33.21869995 37.98629455 43.60320068 50.22979813 58.05698753 67.31190676
28 34.80381805 40.0239982 46.21665595 53.57407423 62.32691063 72.75174816
29 36.41912887 42.11992196 48.92967141 57.07760157 66.84082933 78.55424566
30 38.06520751 44.27572926 51.74603984 60.74796355 71.61268624 84.74357632

Anul h= 7% 8% 9% 10 % 11 % 12 %
1 0.943396226 0.943396226 0.943396226 0.943396226 0.943396226 0.943396226
2 1.895692417 1.904592382 1.913492346 1.92239231 1.931292275 1.940192239
3 2.856972534 2.883924313 2.911044016 2.938331643 2.965787193 2.993410668
4 3.827321332 3.881734206 3.936828281 3.992608309 4.049079042 4.106245234
5 4.806824363 4.898370701 4.991644176 5.086669 5.183469563 5.282070436
6 5.795567989 5.934189016 6.07631335 6.222015 6.371369071 6.524451781
7 6.793639385 6.989551073 7.191680709 7.400204245 7.615301574 7.837156599
8 7.80112655 8.064825621 8.338615069 8.622853462 8.917910139 9.224165463
9 8.818118309 9.160388369 9.518009835 9.891640385 10.2819625 10.68968426
10 9.844704331 10.27662211 10.7307837 11.20830606 11.71035696 12.23815696
11 10.88097513 11.41391687 11.97788135 12.57465723 13.20612852 13.87427905
12 11.92702206 12.57267002 13.26027422 13.99256883 14.77245533 15.60301183
13 12.98293736 13.75328643 14.57896122 15.46398652 16.41266549 17.4295974
14 14.04881413 14.95617863 15.93496956 16.9909294 18.13024405 19.35957461
15 15.12474634 16.1817669 17.32935549 18.57549278 19.92884047 21.39879582
16 16.21082885 17.43047949 18.76320518 20.219851 21.81227634 23.55344464
17 17.30715743 18.70275269 20.23763551 21.92626047 23.78455353 25.83005471
18 18.41382872 19.99903104 21.75379501 23.69706275 25.84986265 28.2355295
19 19.53094032 21.31976747 23.31286468 25.53468776 28.01259203 30.77716325
20 20.6585907 22.66542346 24.91605896 27.44165711 30.27733693 33.46266306
21 21.79687929 24.03646919 26.56462667 29.42058757 32.64890943 36.30017229
22 22.94590645 25.4333837 28.25985195 31.47419464 35.13234855 39.29829525
23 24.10577349 26.85665509 30.00305531 33.60529633 37.73293103 42.46612328
24 25.27658268 28.30678066 31.79559461 35.81681694 40.4561825 45.81326233
25 26.45843723 29.78426709 33.63886615 38.11179117 43.30788922 49.34986209
26 27.65144135 31.28963062 35.53430576 40.49336819 46.29411041 53.08664673
27 28.85570024 32.82339723 37.48338989 42.96481605 49.42119109 57.03494749
28 30.07132005 34.38610284 39.48763677 45.52952609 52.69577557 61.20673697
29 31.29840797 35.97829346 41.54860762 48.19101764 56.12482159 65.61466548
30 32.5370722 37.60052541 43.66790784 50.95294283 59.71561506 70.27209938
rata dobnzii 6 %, descreterile procentuale anuale de :
Anul h= 7% 8% 9% 10 % 11 % 12 %
1 0.943396226 0.943396226 0.943396226 0.943396226 0.943396226 0.943396226
2 1.771092916 1.762192951 1.753292987 1.744393022 1.735493058 1.726593094
3 2.497279634 2.472846712 2.448581715 2.424484642 2.400555492 2.376794266
4 3.134405716 3.089640543 3.045480529 3.001920922 2.95895697 2.916583919
5 3.693393694 3.624971037 3.55791253 3.492197009 3.427803494 3.364711178
6 4.183826543 4.089597504 3.997830568 3.908469159 3.82145765 3.736741356
7 4.614111967 4.492858211 4.375496054 4.261907776 4.151978593 4.045596597
8 4.991626537 4.84285807 4.69971831 4.561997169 4.42949146 4.302004722
9 5.322842151 5.146631532 4.978060059 4.816790049 4.662497547 4.514871845
10 5.613436981 5.410283971 5.217013824 5.033123626 4.858134733 4.69159172
11 5.868392823 5.63911439 5.422153377 5.216803079 5.022396143 4.83830256
12 6.092080496 5.837721924 5.598263748 5.372757331 5.160313743 4.960100239
13 6.288334775 6.010098273 5.749452841 5.505171319 5.276112482 5.061215292
14 6.460520132 6.159707935 5.87924725 5.61759829 5.373339726 5.145159865
15 6.611588418 6.289557831 5.990674526 5.713055152 5.454973921 5.2148497
16 6.744129461 6.40225774 6.086333791 5.794103431 5.523515839 5.272705411
17 6.860415471 6.500072755 6.168456368 5.862918007 5.581065186 5.320736568
18 6.962439988 6.584968807 6.238957825 5.921345478 5.62938492 5.36061149
19 7.051952065 6.658652172 6.299482661 5.970953708 5.669955263 5.393715199
20 7.130486246 6.722603772 6.351442662 6.013073903 5.704019042 5.421197524
21 7.199388876 6.778108934 6.396049832 6.048836332 5.732619761 5.444013039
22 7.259841184 6.826283226 6.434344668 6.07920066 5.756633573 5.462954221
23 7.312879529 6.868094875 6.467220422 6.104981692 5.776796113 5.478678976
24 7.359413172 6.904384231 6.495443947 6.126871248 5.793725039 5.491733489
25 7.400239858 6.935880654 6.519673577 6.14545672 5.807938947 5.502571199
26 7.436059498 6.963217171 6.540474486 6.161236838 5.819873267 5.511568542
27 7.467486164 6.986943205 6.55833187 6.174635051 5.829893592 5.519038035
28 7.495058615 7.007535612 6.573662266 6.186010892 5.838306884 5.525239124
29 7.51924954 7.025408267 6.586823266 6.195669626 5.845370874 5.530387197
30 7.540473653 7.040920383 6.598121861 6.203870437 5.851301961 5.534661069

Creterea procentual
Anul h= 6% 8% 9% 10 % 11 % 12 %
1 0.934579439 0.934579439 0.934579439 0.934579439 0.934579439 0.934579439
2 1.860424491 1.877893266 1.886627653 1.89536204 1.904096428 1.912830815
3 2.777616786 2.830023109 2.856471161 2.883082471 2.909857042 2.936794872
4 3.68623719 3.791051363 3.844442584 3.898495999 3.953216184 4.008607716
5 4.586365814 4.761061189 4.850880763 4.942379064 5.035579405 5.130505273
6 5.478082021 5.740136527 5.876130871 6.015529879 6.158404804 6.304827949
7 6.361464432 6.728362102 6.920544532 7.118769034 7.323204983 7.534025517
8 7.236590933 7.72582343 7.984479944 8.252940129 8.531549095 8.820662223
9 8.103538681 8.732606826 9.068301999 9.418910413 9.785064949 10.16742214
10 8.962384114 9.748799414 10.17238241 10.61757145 11.08544121 11.57711476
11 9.813202954 10.77448913 11.29709984 11.84983981 12.43442966 13.05268087
12 10.65607022 11.80976473 12.44284002 13.11665775 13.8338476 14.59719867
13 11.49106021 12.8547158 13.60999591 14.41899395 15.28558022 16.2138902
14 12.31824657 13.90943277 14.7989678 15.75784425 16.79158322 17.90612806
15 13.13770221 14.97400691 16.01016346 17.1342324 18.35388539 19.67744245
16 13.94949938 16.04853034 17.24399829 18.54921088 19.97459139 21.53152855
17 14.75370967 17.13309604 18.50089545 20.00386165 21.65588452 23.47225418
18 15.55040397 18.22779787 19.78128602 21.49929703 23.40002974 25.50366793
19 16.33965253 19.33273056 21.08560912 23.03666049 25.20937665 27.63000755
20 17.12152494 20.44798973 22.4143121 24.61712761 27.08636269 29.85570884
21 17.89609013 21.57367187 23.76785064 26.24190689 29.03351643 32.18541486
22 18.66341639 22.70987442 25.14668897 27.91224073 31.05346097 34.62398565
23 19.42357137 23.85669567 26.55129998 29.62940636 33.14891746 37.17650834
24 20.17662211 25.01423488 27.9821654 31.39471681 35.32270877 39.8483078
25 20.92263499 26.18259222 29.43977597 33.20952196 37.5777633 42.64495769
26 21.66167578 27.36186878 30.92463159 35.07520949 39.91711894 45.57229217
27 22.39380965 28.55216662 32.43724153 36.99320602 42.34392712 48.63641797
28 23.11910115 29.75358874 33.97812455 38.96497815 44.86145711 51.84372722
29 23.83761422 30.9662391 35.54780912 40.99203361 47.47310036 55.20091073
30 24.54941222 32.19022264 37.14683359 43.0759224 50.18237514 58.71497198
Descreterea procentual
Anul h= 6% 8% 9% 10 % 11 % 12 %
1 0.934579439 0.934579439 0.934579439 0.934579439 0.934579439 0.934579439
2 1.755611844 1.738143069 1.729408682 1.720674295 1.711939907 1.70320552
3 2.476892648 2.429057592 2.405384954 2.381875575 2.358529456 2.335346596
4 3.110541205 3.023114939 2.980280662 2.938026185 2.89634693 2.855238322
5 3.667204423 3.533893219 3.469210656 3.405816417 3.343690437 3.282812826
6 4.156235661 3.973067067 3.885029623 3.799284837 3.715779897 3.634462885
7 4.585851889 4.350674487 4.238670054 4.130239582 4.025274867 3.92367041
8 4.963271753 4.675346288 4.539429672 4.408612733 4.282705263 4.161523328
9 5.294836867 4.95450335 4.795215889 4.642758373 4.496829612 4.357140681
10 5.586118369 5.194526245 5.0127537 4.839703305 4.674933041 4.518022242
11 5.84201053 5.400901071 5.197762493 5.00535792 4.823075147 4.65033605
12 6.066812989 5.578344846 5.355106419 5.144693577 4.94629615 4.759154882
13 6.264303 5.730913325 5.488922282 5.261891794 5.048788386 4.848650744
14 6.437798897 5.8620937 5.602728295 5.360469733 5.134038938 4.922254817
15 6.590215853 5.974884303 5.699516588 5.443385757 5.204948276 4.982789009
16 6.724114862 6.071863139 5.781831864 5.513128207 5.26392894 5.032574138
17 6.841745767 6.155246811 5.851838315 5.571790081 5.312987623 5.073518917
18 6.945085066 6.226941183 5.91137651 5.621131843 5.353793443 5.107193128
19 7.035869123 6.288584943 5.962011799 5.662634261 5.387734733 5.134887806
20 7.115623342 6.341587054 6.005075455 5.697542836 5.415966273 5.157664738
21 7.185687796 6.387158962 6.041699686 5.726905189 5.439448582 5.176397168
22 7.247239746 6.426342285 6.072847396 5.751602496 5.458980597 5.191803278
23 7.301313422 6.460032619 6.099337505 5.772375931 5.475226851 5.204473724
24 7.348817398 6.489000009 6.121866477 5.789848914 5.488740091 5.214894278
25 7.390549864 6.51390655 6.14102663 5.804545815 5.499980076 5.223464453
26 7.42721203 6.535321519 6.157321713 5.816907695 5.509329222 5.230512821
27 7.459419914 6.55373439 6.171180148 5.827305538 5.517105615 5.23630961
28 7.487714691 6.569566018 6.182966294 5.836051387 5.523573829 5.241077062
29 7.512571785 6.583178258 6.192990026 5.843407709 5.528953933 5.244997958
30 7.534408858 6.594882241 6.201514882 5.849595269 5.533428972 5.248222619

(valoarea prezent a plilor anuale ncepnd cu 1 leu sau alt unitate monetar $,
euro, , etc.) la care se aplic o cretere procentual anual
Creterea procentual
Anul h= 6% 7% 9% 10 % 11 % 12 %
1 0.925925926 0.925925926 0.925925926 0.925925926 0.925925926 0.925925926
2 1.834705075 1.843278464 1.86042524 1.868998628 1.877572016 1.886145405
3 2.726654981 2.752136996 2.803577326 2.82953564 2.855652721 2.881928568
4 3.602087297 3.652580172 3.755462301 3.807860374 3.860902333 3.914592589
5 4.461307902 4.544685911 4.716161026 4.804302233 4.894075546 4.985503425
6 5.304617015 5.428531412 5.685755109 5.819196719 5.955948015 6.096077626
7 6.132309293 6.304193158 6.664326916 6.852885547 7.047316941 7.247784205
8 6.944673935 7.171746926 7.651959573 7.90571676 8.169001671 8.442146583
9 7.741994788 8.031267787 8.648736976 8.978044849 9.32184431 9.680744605
10 8.52455044 8.882830123 9.6547438 10.07023086 10.50671036 10.96521663
11 9.292614321 9.726507622 10.6700655 11.18264255 11.72448935 12.29726169
12 10.0464548 10.56237329 11.69478833 12.31565445 12.97609553 13.67864175
13 10.78633526 11.39049946 12.72899933 13.46964805 14.26246856 15.11118404
14 11.51251424 12.2109578 13.77278636 14.6450119 15.58457417 16.59678345
15 12.22524546 13.02381931 14.82623809 15.84214175 16.94340493 18.13740505
16 12.92477795 13.82915431 15.889444 17.06144067 18.33998099 19.73508672
17 13.61135614 14.62703251 16.96249441 18.3033192 19.77535083 21.39194179
18 14.28521991 15.41752295 18.04548046 19.56819548 21.25059206 23.11016185
19 14.94660473 16.20069404 19.13849417 20.8564954 22.76681221 24.8920197
20 15.59574168 16.97661354 20.24162838 22.16865272 24.32514959 26.73987228
21 16.23285757 17.7453486 21.35497679 23.50510925 25.92677411 28.65616385
22 16.85817502 18.50696574 22.47863398 24.86631498 27.57288821 30.64342918
23 17.47191252 19.26153087 23.61269541 26.25272822 29.2647277 32.70429692
24 18.07428451 20.00910929 24.7572574 27.66481578 31.00356272 34.8414931
25 18.66550147 20.74976568 25.91241719 29.10305311 32.79069873 37.0578447
26 19.24576996 21.48356415 27.07827291 30.56792446 34.62747739 39.35628339
27 19.81529274 22.21056818 28.25492358 32.05992307 36.51527769 41.73984945
28 20.3742688 22.9308407 29.44246917 33.57955127 38.45551689 44.21169572
29 20.92289345 23.64444403 30.64101055 35.12732074 40.44965162 46.77509186
30 21.46135839 24.35143992 31.85064954 36.7037526 42.49917898 49.43342859
Anul h= 6% 7% 9% 10 % 11 % 12 %
1 0.925925926 0.925925926 0.925925926 0.925925926 0.925925926 0.925925926
2 1.731824417 1.723251029 1.706104252 1.697530864 1.688957476 1.680384088
3 2.433254585 2.409836534 2.363476731 2.340534979 2.317751994 2.295127775
4 3.04375862 3.001062941 2.917373912 2.876371742 2.835925254 2.796030039
5 3.575123244 3.51017457 3.384083574 3.322902378 3.262938404 3.204172624
6 4.037607268 3.94857625 3.777329678 3.695011241 3.61482887 3.53673325
7 4.440139659 4.326088808 4.108675933 4.00510196 3.90481268 3.807708574
8 4.790491925 4.651169066 4.387865832 4.263510892 4.14378082 4.028503282
9 5.095428157 4.931099288 4.623109173 4.47885167 4.340708268 4.208410082
10 5.360835618 5.172150313 4.82132347 4.658302317 4.502991073 4.355000807
11 5.591838409 5.379722029 4.988337368 4.807844524 4.636724125 4.474445102
12 5.792896393 5.55846434 5.129062042 4.932463029 4.746930066 4.571770083
13 5.967891305 5.71238133 5.247635609 5.036311783 4.837747925 4.65107192
14 6.120201691 5.84492096 5.347544819 5.122852412 4.912588567 4.715688231
15 6.252768139 5.959052308 5.431727579 5.194969603 4.974262801 4.768338559
16 6.368150047 6.05733208 5.502659349 5.255067261 5.025086938 4.811238825
17 6.468575041 6.141961884 5.562425933 5.305148644 5.066969791 4.846194599
18 6.55598198 6.214837548 5.612784814 5.346883129 5.101484365 4.87467708
19 6.63205839 6.277591592 5.655216834 5.381661867 5.12992693 4.897885028
20 6.698273043 6.331629797 5.69096974 5.410644148 5.153365711 4.916795208
21 6.755904315 6.378162696 5.721094873 5.43479605 5.172681003 4.932203503
22 6.806064867 6.418232692 5.746478088 5.454922634 5.188598234 4.94475841
23 6.849723125 6.45273741 5.767865796 5.471694787 5.201715211 4.954988334
24 6.887721979 6.482449807 5.785886921 5.485671582 5.212524572 4.963323828
25 6.920795056 6.508035482 5.801071387 5.497318911 5.221432286 4.970115711
26 6.949580882 6.530067591 5.813865706 5.507025018 5.228772903 4.975649839
27 6.974635212 6.549039685 5.824646104 5.515113441 5.234822114 4.980159128
28 6.996441759 6.565376766 5.833729587 5.521853794 5.239807113 4.983833364
29 7.015421531 6.579444807 5.841383264 5.527470754 5.243915121 4.986827185
30 7.031940962 6.591558955 5.847832194 5.532151554 5.247300423 4.989266595

Creterea procentual
Anul h= 6% 7% 8% 10 % 11 % 12 %
1 0.917431193 0.917431193 0.917431193 0.917431193 0.917431193 0.917431193
2 1.809611986 1.818028785 1.826445585 1.843279185 1.851695985 1.860112785
3 2.677237344 2.702101652 2.727120397 2.777621196 2.803103251 2.828739743
4 3.520983105 3.569952998 3.619532136 3.720535152 3.771967531 3.824026157
5 4.341506506 4.421880466 4.503756612 4.672099695 4.758609137 4.846705776
6 5.139446694 5.258176237 5.379868936 5.632394187 5.763354259 5.897532541
7 5.915425225 6.079127132 6.247943533 6.601498721 6.786535071 6.977281143
8 6.670046549 6.885014707 7.108054143 7.579494122 7.828489843 8.086747596
9 7.403898479 7.676115355 7.96027383 8.566461958 8.889563051 9.226749824
10 8.117552649 8.452700394 8.804674987 9.562484545 9.970105492 10.39812826
11 8.811564962 9.215036167 9.641329345 10.56764495 11.0704744 11.60174647
12 9.486476018 9.963384127 10.47030798 11.58202702 12.19103356 12.83849178
13 10.14281154 10.69800093 11.2916813 12.60571534 13.33215345 14.10927596
14 10.78108278 11.41913853 12.10551908 13.6387953 14.49421131 15.41503585
15 11.40178693 12.12704424 12.91189047 14.68135305 15.67759133 16.75673408
16 12.00540747 12.82196086 13.71086395 15.73347556 16.88268475 18.13535979
17 12.5924146 13.50412672 14.5025074 16.79525056 18.10988997 19.55192933
18 13.16326558 14.17377577 15.28688807 17.86676662 19.35961273 21.00748702
19 13.71840506 14.83113768 16.06407258 18.9481131 20.63226617 22.50310593
20 14.25826547 15.47643791 16.83412696 20.0393802 21.92827105 24.03988866
21 14.78326734 16.10989776 17.59711662 21.14065891 23.24805584 25.61896816
22 15.29381961 16.7317345 18.35310638 22.25204111 24.59205687 27.24150857
23 15.79031999 17.34216139 19.10216045 23.37361946 25.96071846 28.90870605
24 16.27315522 17.94138779 19.84434246 24.50548753 27.35449311 30.62178971
25 16.74270141 18.52961921 20.57971546 25.64773971 28.77384161 32.38202245
26 17.1993243 19.10705739 21.30834193 26.80047127 30.2192332 34.19070197
27 17.6433796 19.67390037 22.03028375 27.96377835 31.69114574 36.04916166
28 18.07521319 20.23034256 22.74560224 29.13775796 33.19006584 37.95877161
29 18.49516145 20.77657481 23.45435819 30.32250804 34.71648907 39.92093963
30 18.9035515 21.31278445 24.15661178 31.51812738 36.27092006 41.93711229

euro, , etc.) la care se aplic o descretere procentual anual
Anul h= 6% 7% 8% 10 % 11 % 12 %
1 0.917431193 0.917431193 0.917431193 0.917431193 0.917431193 0.917431193
2 1.708610386 1.700193586 1.691776786 1.674943187 1.666526387 1.658109587
3 2.390911709 2.368055078 2.345352884 2.300411805 2.278172921 2.256088474
4 2.979318355 2.937881856 2.896995095 2.816853784 2.777590734 2.738860419
5 3.486751609 3.424064336 3.362601364 3.243273767 3.185372251 3.128621256
6 3.924354598 3.83888058 3.755590142 3.595363661 3.518331471 3.443290555
7 4.301736993 4.192806366 4.087287093 3.886080087 3.790197256 3.697335494
8 4.627186031 4.494779744 4.367251491 4.126121173 4.012179411 3.902435995
9 4.907848504 4.752426754 4.603551717 4.324320234 4.193430895 4.068021721
10 5.1498877 4.972254019 4.80299778 4.487970836 4.341425226 4.20170561
11 5.358618751 5.159813062 4.971337576 4.623095185 4.462264634 4.309633887
12 5.538625345 5.319840503 5.113422541 4.734665749 4.560931674 4.396768642
13 5.693860389 5.456377677 5.233347466 4.826788233 4.641494669 4.467115968
14 5.827732813 5.572872697 5.334568503 4.90285267 4.707275464 4.523910139
15 5.943182425 5.67226753 5.420002773 4.965658168 4.760986388 4.569762314
16 6.042744477 5.757072296 5.492112432 5.017515918 4.804842097 4.606780584
17 6.128605329 5.829428657 5.552975631 5.060334244 4.840650886 4.636666894
18 6.202650467 5.8911639 5.604346404 5.095688826 4.869889256 4.66079529
19 6.266505907 5.943837089 5.647705222 5.124880682 4.893762787 4.680275097
20 6.321573902 5.988778433 5.684301655 5.148984049 4.913255853 4.696001913
21 6.369063732 6.027122884 5.715190388 5.168885912 4.929172211 4.708698792
22 6.410018264 6.059838791 5.741261612 5.185318643 4.942168135 4.718949484
23 6.445336852 6.087752363 5.763266681 5.198886953 4.952779487 4.727225271
24 6.475795083 6.11156853 5.781839768 5.210090145 4.961443801 4.733906641
25 6.502061815 6.131888745 5.797516134 5.219340486 4.968518333 4.739300774
26 6.524713859 6.149226177 5.810747563 5.226978383 4.974294786 4.743655671
27 6.544248649 6.164018665 5.821915374 5.233284904 4.979011339 4.747171551
28 6.561095165 6.176639778 5.831341417 5.238492122 4.982862469 4.750010059
29 6.575623353 6.187408251 5.839297343 5.242791661 4.98600697 4.752301699
30 6.58815225 6.196596031 5.846012436 5.246341738 4.988574499 4.754151831

Creterea procentual
rata dobnzii10%, creterile procentuale anuale de :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909
2 1.743801653 1.752066116 1.760330579 1.768595041 1.776859504 1.785123967
3 2.510217881 2.533734035 2.557400451 2.58121713 2.605184072 2.629301277
4 3.213927327 3.258553378 3.303747695 3.349514377 3.395857523 3.442781231
5 3.860060546 3.930658586 4.002600114 4.075904502 4.150591272 4.226680095
6 4.45332832 4.553883416 4.656980107 4.762673348 4.871018942 4.982073546
7 4.998056002 5.131782804 5.269717737 5.411982074 5.558699899 5.709998145
8 5.498215057 5.667653146 5.843462971 6.025873961 6.215122631 6.411452757
9 5.957452007 6.164551099 6.380697146 6.606280836 6.841707966 7.08739993
10 6.379115024 6.625311019 6.883743691 7.155029154 7.439812149 7.738767205
11 6.766278341 7.052561127 7.354778184 7.673845745 8.010729779 8.366448398
12 7.121764658 7.448738499 7.795837754 8.16436325 8.555696607 8.97130482
13 7.448165732 7.816102972 8.208829897 8.628125255 9.075892216 9.554166463
14 7.747861263 8.156750029 8.595540721 9.06659115 9.57244257 10.11583314
15 8.02303625 8.472622754 8.957642676 9.481140724 10.04642245 10.65707557
16 8.275696921 8.765522917 9.296701778 9.873078502 10.4988578 11.17863646
17 8.507685354 9.03712125 9.614184392 10.24363786 10.9307279 11.68123149
18 8.720692916 9.288966978 9.911463567 10.59398488 11.34296754 12.16555035
19 8.916272587 9.522496652 10.18982498 10.92522207 11.73646901 12.63225761
20 9.095850284 9.73904235 10.45047248 11.23839178 12.11208406 13.0819937
21 9.260735261 9.93983927 10.69453332 11.5344795 12.47062569 13.51537574
22 9.412129649 10.12603278 10.92306302 11.81441698 12.81286998 13.93299844
23 9.551137223 10.29868494 11.13704992 12.07908514 13.13955771 14.33543486
24 9.67877145 10.45878058 11.33741947 12.32931686 13.45139599 14.72323723
25 9.795962877 10.6072329 11.52503823 12.56589958 13.74905981 15.0969377
26 9.903565914 10.74488869 11.70071761 12.78957778 14.03319346 15.45704905
27 10.00236507 10.87253315 11.8652174 13.00105536 14.30441194 15.80406545
28 10.09308065 10.99089437 12.01924902 13.2009978 14.5633023 16.13846307
29 10.17637405 11.10064751 12.16347863 13.39003428 14.81042492 16.46070078
30 10.25285254 11.2024186 12.29852999 13.56875968 15.0463147 16.77122075
Creterea procentual
Pentru rata dobnzii de 10%, creterile procentuale anuale sunt :
Anul h= 6% 7% 8% 9% 11 % 12 %
1 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909
2 1.785123967 1.79338843 1.801652893 1.809917355 1.826446281 1.834710744
3 2.629301277 2.653568745 2.677986476 2.70255447 2.752141247 2.77716003
4 3.442781231 3.490289598 3.538386722 3.587076702 3.686251622 3.736744758
5 4.226680095 4.30419079 4.383143327 4.463557823 4.62885391 4.713776481
6 4.982073546 5.095894678 5.212540721 5.332070934 5.580025309 5.708572417
7 5.709998145 5.866006641 6.026858163 6.192688471 6.539843721 6.721455552
8 6.411452757 6.615115551 6.826369833 7.045482212 7.508387755 7.752754743
9 7.08739993 7.343794218 7.611344926 7.890523283 8.485736734 8.80280483
10 7.738767205 8.05259983 8.382047746 8.727882162 9.471970704 9.871946736
11 8.366448398 8.74207438 9.138737787 9.557628688 10.46717044 10.96052759
12 8.97130482 9.412745079 9.881669827 10.37983206 11.47141744 12.06890081
13 9.554166463 10.06512476 10.61109401 11.19456086 12.48479396 13.19742628
14 10.11583314 10.69971227 11.32725594 12.00188304 13.507383 14.3464704
15 10.65707557 11.31699284 12.03039674 12.80186592 14.5392683 15.51640622
16 11.17863646 11.91743849 12.72075316 13.59457623 15.58053438 16.70761361
17 11.68123149 12.50150835 13.39855765 14.38008008 16.63126651 17.92047931
18 12.16555035 13.06964903 14.06403842 15.15844299 17.69155075 19.15539712
19 12.63225761 13.62229497 14.71741954 15.92972987 18.76147394 20.41276797
20 13.0819937 14.15986874 15.358921 16.69400505 19.8411237 21.69300012
21 13.51537574 14.68278141 15.9887588 17.45133228 20.93058846 22.99650921
22 13.93299844 15.19143283 16.60714501 18.20177471 22.02995745 24.32371847
23 14.33543486 15.68621193 17.21428783 18.94539494 23.1393207 25.67505881
24 14.72323723 16.16749706 17.81039168 19.68225499 24.25876907 27.05096897
25 15.0969377 16.63565623 18.39565729 20.41241631 25.38839424 28.45189567
26 15.45704905 17.09104743 18.9702817 21.1359398 26.52828873 29.87829378
27 15.80406545 17.53401886 19.5344584 21.8528858 27.6785459 31.33062639
28 16.13846307 17.96490925 20.08837734 22.56331411 28.83925996 32.80936505
29 16.46070078 18.38404809 20.63222502 23.26728398 30.01052596 34.31498987
30 16.77122075 18.79175587 21.16618457 23.96485413 31.19243983 35.84798969

rata dobnzii 10%, descreterile procentuale anuale de :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909
2 1.727272727 1.719008264 1.710743802 1.702479339 1.694214876 1.685950413
3 2.463636364 2.440570999 2.417655898 2.394891059 2.372276484 2.349812171
4 3.126363636 3.083417799 3.041023837 2.999177652 2.957875145 2.917112219
5 3.722818182 3.656135858 3.59072102 3.526555042 3.463619444 3.401895896
6 4.259627273 4.166375582 4.07545399 3.986811673 3.90039861 3.816165584
7 4.742755455 4.620952791 4.502900337 4.388490187 4.277616982 4.170177863
8 5.177570818 5.02593976 4.879830297 4.739045981 4.603396484 4.472697446
9 5.568904645 5.386746331 5.212213989 5.044985584 4.884751509 4.731214181
10 5.92110509 5.708192186 5.505315972 5.311987419 5.12773994 4.952128482
11 6.23808549 5.99457122 5.76377863 5.545007202 5.337593584 5.140909794
12 6.52336785 6.249708905 5.991695701 5.748369921 5.518830823 5.302232006
13 6.780121974 6.477013388 6.192677118 5.925850113 5.675353892 5.440089169
14 7.011200686 6.679521019 6.369906186 6.080741917 5.810532907 5.55789438
15 7.219171526 6.859936908 6.526190001 6.215920218 5.92727842 5.658564289
16 7.406345283 7.020671063 6.66400391 6.333894009 6.02810409 5.744591301
17 7.574801664 7.163870584 6.78553072 6.436852953 6.115180805 5.818105294
18 7.726412406 7.291448338 6.892695271 6.526708032 6.190383422 5.880926342
19 7.862862075 7.405108519 6.987194921 6.60512701 6.255331137 5.934609783
20 7.985666776 7.506369408 7.070526431 6.67356539 6.311422346 5.980484724
21 8.096191008 7.596583655 7.144009671 6.733293431 6.359864753 6.019686946
22 8.195662816 7.676956347 7.208808528 6.785419722 6.401701378 6.053187026
23 8.285187444 7.748561109 7.265949338 6.830911757 6.437833008 6.081814368
24 8.365759608 7.812354443 7.316337144 6.870613897 6.469037598 6.106277733
25 8.438274557 7.869188503 7.360770027 6.905263038 6.495987016 6.12718279
26 8.50353801 7.919822485 7.399951751 6.935502287 6.519261514 6.145047111
27 8.562275118 7.964932759 7.434502907 6.961892905 6.539362217 6.160312986
28 8.615138515 8.005121913 7.464970746 6.984924717 6.556721915 6.17335837
29 8.662715573 8.040926795 7.491837839 7.005025208 6.571714381 6.184506243
30 8.705534925 8.07282569 7.515529731 7.022567454 6.58466242 6.194032608
Anul h= 6% 7% 8% 9% 11 % 12 %
1 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909 0.909090909
2 1.685950413 1.67768595 1.669421488 1.661157025 1.644628099 1.636363636
3 2.349812171 2.327498122 2.305334335 2.283320811 2.239744553 2.218181818
4 2.917112219 2.876884776 2.837188717 2.798019944 2.721247866 2.683636364
5 3.401895896 3.341366219 3.282012381 3.223816499 3.110827819 3.056
6 3.816165584 3.734064167 3.654046719 3.576066377 3.426033417 3.353890909
7 4.170177863 4.066072432 3.96520271 3.867473093 3.681063401 3.592203636
8 4.472697446 4.346770329 4.225442267 4.108545923 3.887405843 3.782853818
9 4.731214181 4.584087642 4.443097169 4.3079789 4.054355636 3.935373964
10 4.952128482 4.784728643 4.625135814 4.472964362 4.189433197 4.05739008
11 5.140909794 4.954361489 4.777386317 4.609452336 4.298723223 4.155002973
12 5.302232006 5.09777835 4.904723101 4.722365114 4.387148789 4.233093288
13 5.440089169 5.219030787 5.011222958 4.815774777 4.458693111 4.295565539
14 5.55789438 5.32154421 5.100295565 4.893050042 4.516578972 4.34554334
15 5.658564289 5.408214651 5.174792654 4.956977762 4.563413895 4.385525581
16 5.744591301 5.481490568 5.237099311 5.009863422 4.601307606 4.417511374
17 5.818105294 5.543442026 5.289210332 5.053614285 4.631967063 4.443100008
18 5.880926342 5.595819167 5.332794096 5.089808181 4.656773351 4.463570916
19 5.934609783 5.64010166 5.369245971 5.119750405 4.676843893 4.479947642
20 5.980484724 5.677540494 5.399732994 5.144520789 4.693082786 4.493049023
21 6.019686946 5.709193327 5.425231232 5.165012653 4.706221527 4.503530127
22 6.053187026 5.735954358 5.44655703 5.181965013 4.716851963 4.511915011
23 6.081814368 5.758579594 5.464393152 5.195989238 4.725452952 4.518622918
24 6.106277733 5.777708202 5.479310637 5.207591097 4.732411934 4.523989243
25 6.12718279 5.793880571 5.491787078 5.217188998 4.738042383 4.528282304
26 6.145047111 5.807553573 5.50222192 5.22512908 4.742597928 4.531716752
27 6.160312986 5.819113476 5.510949242 5.231697694 4.746283778 4.534464311
28 6.17335837 5.828886848 5.518248457 5.237131728 4.749265966 4.536662358
29 6.184506243 5.837149789 5.524353255 5.241627157 4.751678827 4.538420795
30 6.194032608 5.844135731 5.529459086 5.245346103 4.753631051 4.539827545

Creterea procentual
rata dobnzii de 11%, creterile procentuale anuale de :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901
2 1.720639558 1.728755783 1.736872007 1.744988231 1.753104456 1.76122068
3 2.466527887 2.489487296 2.512592944 2.535844829 2.559242954 2.582787316
4 3.145219068 3.188537876 3.232406065 3.276827588 3.321806398 3.367346446
5 3.7627669 3.830908678 3.900340763 3.971081704 4.043150196 4.116565075
6 4.324679792 4.421195362 4.520136023 4.621554029 4.725502438 4.832035116
7 4.8359699 4.963620963 5.095261355 5.231005577 5.370970774 5.515276778
8 5.301197837 5.462066111 5.628936212 5.802023243 5.981548931 6.167741788
9 5.724513347 5.920096786 6.124148017 6.337030786 6.559122862 6.790816482
10 6.109692325 6.34098984 6.58366888 6.838299115 7.105476581 7.385824749
11 6.460170494 6.727756429 7.010071123 7.307955928 7.622297667 7.954030841
12 6.779074053 7.083163566 7.405741673 7.747994743 8.111182478 8.496642064
13 7.069247562 7.409753907 7.772895426 8.160283363 8.573641083 9.014811341
14 7.333279313 7.709863951 8.113587648 8.546571799 9.011101925 9.509639659
15 7.57352442 7.985640747 8.429725475 8.908499704 9.424916235 9.982178413
16 7.792125824 8.239057263 8.723078594 9.247603326 9.816362205 10.43343164
17 7.991033407 8.471926494 8.995289146 9.565322035 10.18664893 10.86435814
18 8.172021388 8.685914436 9.247880919 9.86300443 10.53692016 11.27587354
19 8.336704146 8.882552004 9.48226788 10.14191406 10.86825781 11.66885221
20 8.48655062 9.063245986 9.699762087 10.4032348 11.18168532 12.04412914
21 8.622897411 9.229289104 9.901581035 10.64807584 11.47817079 12.4025017
22 8.746960707 9.381869267 10.08885447 10.87747647 11.75863003 12.74473135
23 8.85984713 9.522078065 10.26263073 11.09241038 12.02392931 13.07154525
24 8.962563605 9.650918582 10.42388257 11.29378991 12.27488808 13.38363781
25 9.056026343 9.769312571 10.57351265 11.48246982 12.51228152 13.68167214
26 9.141069015 9.878107047 10.71235859 11.65925101 12.73684288 13.96628151
27 9.218450185 9.97808035 10.84119761 11.82488383 12.94926579 14.23807063
28 9.288860078 10.06994771 10.96075093 11.98007133 13.15020638 14.497617
29 9.352926737 10.15436636 11.0716878 12.12547224 13.34028531 14.74547209
30 9.411221626 10.23194026 11.17462922 12.26170372 13.52008971 14.98216253
Creterea procentual
Anul h= 7% 8% 9% 10 % 12 % 13 %
1 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901
2 1.769336904 1.777453129 1.785569353 1.793685577 1.809918026 1.81803425
3 2.606477917 2.630314756 2.654297833 2.678427149 2.727124495 2.751692525
4 3.413451686 3.460126069 3.507373548 3.555198075 3.652594085 3.702173472
5 4.191345319 4.267510049 4.345078529 4.424070165 4.586401239 4.669780201
6 4.941206749 5.05307284 5.167689727 5.285114578 5.52862107 5.654821286
7 5.664046145 5.817404205 5.975479101 6.138401834 6.479329368 6.657610858
8 6.360837275 6.561077965 6.768713712 6.984001817 7.438602605 7.678468712
9 7.032518815 7.284652435 7.547655807 7.821983783 8.406517944 8.7177204
10 7.679995614 7.988670837 8.31256291 8.652416361 9.383153241 9.775697344
11 8.304139916 8.673661716 9.063687902 9.475367565 10.36858705 10.85273694
12 8.905792532 9.340139327 9.801279111 10.29090479 11.36289865 11.94918265
13 9.485763972 9.98860403 10.52558039 11.09909484 12.36616801 13.06538414
14 10.04483554 10.61954266 11.23683119 11.9000039 13.37847583 14.20169736
15 10.58376039 11.23342889 11.93526667 12.69369756 14.39990354 15.3584847
16 11.10326452 11.83072361 12.62111772 13.48024082 15.4305333 16.53611506
17 11.60404778 12.41187522 13.29461109 14.25969811 16.47044801 17.73496398
18 12.08678479 12.97732004 13.95596945 15.03213326 17.51973133 18.95541378
19 12.55212588 13.52748256 14.60541144 15.79760954 18.57846765 20.19785367
20 13.00069792 14.06277582 15.24315178 16.55618963 19.64674213 21.46267986
21 13.4331052 14.5836017 15.86940129 17.30793567 20.72464071 22.75029571
22 13.84993024 15.0903512 16.48436704 18.05290923 21.81225008 24.06111185
23 14.25173456 15.58340478 17.08825232 18.7911713 22.90965774 25.3955463
24 14.63905944 16.06313257 17.68125678 19.52278237 24.01695195 26.75402461
25 15.01242667 16.52989476 18.26357648 20.24780235 25.13422179 28.13698001
26 15.37233922 16.98404175 18.83540393 20.96629062 26.26155712 29.54485352
27 15.71928195 17.42591449 19.39692818 21.67830602 27.39904863 30.97809413
28 16.05372224 17.85584473 19.94833488 22.38390687 28.54678781 32.43715889
29 16.37611063 18.27415523 20.48980632 23.08315095 29.70486698 33.9225131
30 16.68688142 18.68116005 21.02152152 23.77609553 30.87337929 35.43463045

Anul h= 1% 2% 3% 4% 5% 6%
1 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901
2 1.70440711 1.696290885 1.688174661 1.680058437 1.671942212 1.663825988
3 2.421047783 2.398527088 2.376152632 2.353924414 2.331842434 2.309906693
4 3.060213788 3.018519411 2.977358606 2.936727421 2.896621903 2.8570381
5 3.630280766 3.565900021 3.5027368 3.440773265 3.379991719 3.320374607
6 4.138718881 4.049172991 3.961851077 3.876704806 3.793686606 3.712749667
7 4.592190714 4.475846425 4.36305905 4.253726679 4.147749798 4.04503125
8 4.996638565 4.852549096 4.713664215 4.57979965 4.450776854 4.32642286
9 5.357362324 5.185133436 5.020048908 4.861808706 4.710124335 4.564718458
10 5.679088919 5.478766457 5.287790487 5.105708431 4.932088395 4.766518334
11 5.966034261 5.738010025 5.521762858 5.316648733 5.122057635 4.937411922
12 6.221958485 5.966891734 5.726225201 5.499083589 5.284643922 5.082132619
13 6.450215226 6.168967477 5.9048995 5.656865086 5.423794348 5.204688885
14 6.653795562 6.347376691 6.061038301 5.793324759 5.542887054 5.308475272
15 6.835367213 6.504891133 6.197483921 5.911343936 5.644813245 5.396366446
16 6.997309496 6.643957937 6.316720183 6.013414575 5.732047371 5.47079681
17 7.141744505 6.766737638 6.420917638 6.101691885 5.80670721 5.533827929
18 7.270564919 6.875137734 6.511973071 6.178039828 5.87060527 5.587205634
19 7.385458802 6.970842324 6.591544035 6.244070482 5.925292798 5.632408375
20 7.487931724 7.055338268 6.661079021 6.301178075 5.97209744 5.670688173
21 7.579326493 7.129938291 6.721843829 6.350568425 6.012155467 5.7031053
22 7.660840746 7.195801374 6.774944608 6.393284403 6.046439363 5.730557641
23 7.733542647 7.253950763 6.821347991 6.430227953 6.075781437 5.75380557
24 7.798384883 7.305289862 6.861898694 6.46217913 6.100894023 5.773493005
25 7.856217148 7.350616275 6.897334895 6.489812581 6.122386776 5.790165248
26 7.907797276 7.390634189 6.928301665 6.513711782 6.140781475 5.804284084
27 7.953801174 7.42596532 6.955362716 6.534381361 6.156524686 5.816240575
28 7.994831678 7.457158571 6.979010662 6.552257753 6.169998605 5.826365893
29 8.031426452 7.484698558 6.999675984 6.567718417 6.181530338 5.834940486
30 8.064065033 7.509013141 7.017734869 6.581089802 6.191399839 5.842201853
Pentru rata dobnzii de 11%, descreterile procentuale anuale sunt :
Anul h= 7% 8% 9% 10 % 11% 12 %
1 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901 0.900900901
2 1.655709764 1.647593539 1.639477315 1.631361091 1.623244866 1.615128642
3 2.28811719 2.266473925 2.244976898 2.22362611 2.20242156 2.181363248
4 2.81797206 2.779419829 2.741377457 2.70384099 2.666806476 2.630269962
5 3.261904518 3.204564183 3.148336474 3.093204406 3.039151138 2.98615997
6 3.63384793 3.55693608 3.481969541 3.408904473 3.337697759 3.268307003
7 3.945476194 3.848992066 3.755488543 3.664877501 3.577072978 3.491991138
8 4.206570144 4.091056487 3.979724842 3.872423199 3.76900446 3.669326307
9 4.425324535 4.291686458 4.163558203 4.040703495 3.922895468 3.809916352
10 4.608605241 4.457974361 4.314268437 4.177146978 4.046285555 3.921375126
11 4.762164752 4.59579857 4.437823674 4.287776829 4.14521995 4.009738838
12 4.89082272 4.710031247 4.539116705 4.377476708 4.224545726 4.079792953
13 4.998617234 4.804710583 4.62215874 4.45020634 4.288149275 4.13533135
14 5.088931556 4.883183546 4.690238247 4.509176312 4.339146716 4.179361791
15 5.164600313 4.948224201 4.746051175 4.556989802 4.380036556 4.214268807
16 5.22799846 5.00213177 4.79180772 4.595757497 4.412822104 4.241942838
17 5.281115827 5.046811917 4.829319843 4.627190764 4.439109615 4.263882611
18 5.325619567 5.083844112 4.860073024 4.652677196 4.460186988 4.281276304
19 5.362906484 5.114537462 4.885285092 4.67334187 4.477086865 4.295065899
20 5.394146874 5.139976995 4.905954445 4.690097012 4.490637216 4.30599819
21 5.420321255 5.161062014 4.92289959 4.703682262 4.501501912 4.314665232
22 5.442251141 5.178537886 4.936791556 4.71469733 4.510213245 4.3215364
23 5.46062483 5.193022392 4.948180465 4.723628465 4.517198007 4.326983812
24 5.476019002 5.205027568 4.957517318 4.730869927 4.522798402 4.331302482
25 5.488916821 5.214977804 4.965171855 4.736741382 4.527288809 4.334726292
26 5.499723103 5.223224847 4.971447197 4.741502022 4.530889225 4.337440664
27 5.508777014 5.230060233 4.976591846 4.745361999 4.533776045 4.339592598
28 5.516362723 5.235725599 4.980809531 4.748491711 4.536090703 4.341298637
29 5.522718318 5.240421217 4.984267273 4.751029315 4.5379466 4.342651171
30 5.528043275 5.244313081 4.987101999 4.753086832 4.539434661 4.343723451

Creterea procentual
Anul h= 1% 2% 3% 4% 5% 6%
1 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143
2 1.698022959 1.705994898 1.713966837 1.721938776 1.729910714 1.737882653
3 2.42410999 2.446531068 2.469094502 2.491800292 2.514648438 2.53763894
4 3.078884902 3.120947937 3.163542265 3.206671699 3.250340053 3.294551139
5 3.669351563 3.735149014 3.80218619 3.870480864 3.940050943 4.010914471
6 4.201825963 4.294510709 4.389510514 4.486875088 4.586654902 4.688901196
7 4.68200377 4.803929396 4.929639133 5.059241153 5.192846113 5.330567203
8 5.115021257 5.267864271 5.42636456 5.590723928 5.761150374 5.937858246
9 5.505510241 5.69037639 5.883174551 6.084243647 6.293935618 6.51261584
10 5.857647628 6.075164212 6.303276596 6.542511958 6.793421785 7.056582848
11 6.175200093 6.425595979 6.689620441 6.968046818 7.261690066 7.571408767
12 6.46156437 6.744739195 7.044918798 7.363186331 7.70069158 8.058654726
13 6.719803583 7.035387481 7.371666395 7.730101593 8.112255499 8.519798223
14 6.952680017 7.300085028 7.672157488 8.070808622 8.498096673 8.956237604
15 7.162684658 7.541148864 7.948501976 8.387179435 8.859822774 9.369296304
16 7.352063844 7.760689144 8.20264021 8.680952332 9.198940994 9.760226859
17 7.522843288 7.960627614 8.436356622 8.953741452 9.516864324 10.13021471
18 7.67684975 8.142714434 8.65129225 9.207045634 9.814917447 10.48038177
19 7.815730578 8.308543502 8.848956266 9.44225666 10.09434225 10.81178989
20 7.940971325 8.459566404 9.030736566 9.660666898 10.356303 11.12544401
21 8.053911641 8.597105118 9.19790952 9.863476406 10.60189121 11.42229522
22 8.155759605 8.722363589 9.351648934 10.05179952 10.83213015 11.70324369
23 8.247604644 8.836438269 9.493034287 10.22667098 11.04797916 11.96914135
24 8.330429188 8.940327709 9.623058318 10.38905163 11.2503376 12.22079449
25 8.405119178 9.034941307 9.742633989 10.53983365 11.44004865 12.45896622
26 8.472473545 9.121107261 9.8526009 10.67984554 11.61790275 12.68437874
27 8.53321275 9.199579827 9.953731185 10.80985657 11.78464097 12.89771559
28 8.587986498 9.271045914 10.04673493 10.9305811 11.94095805 13.09962369
29 8.637380681 9.3361311 10.13226516 11.04268245 12.08750532 13.29071527
30 8.68192365 9.395405109 10.21092242 11.14677656 12.22489338 13.47156981
Creterea procentual
Pentru rata dobnzii 12 %, creterile procentuale anuale sunt :
Anul h= 7% 8% 9% 10 % 11 % 13 %
1 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143
2 1.745854592 1.753826531 1.761798469 1.769770408 1.777742347 1.793686224
3 2.560771798 2.584047012 2.607464582 2.631024508 2.65472679 2.702558423
4 3.339308771 3.384616761 3.430478923 3.47689907 3.523881015 3.619545552
5 4.083089629 4.156594734 4.231448238 4.30766873 4.385274935 4.544720066
6 4.793665985 4.901002065 5.010963017 5.123603217 5.238977837 5.478155066
7 5.472520182 5.61882342 5.769597936 5.924967445 6.085058392 6.419924308
8 6.121068388 6.311008298 6.507912277 6.712021598 6.923584657 7.370102203
9 6.74066355 6.978472287 7.226450341 7.485021212 7.754624079 8.32876383
10 7.332598213 7.622098277 7.92574185 8.244217262 8.578243507 9.295984936
11 7.898107221 8.242737624 8.606302336 8.989856239 9.39450919 10.27184194
12 8.438370291 8.84121128 9.268633524 9.722180235 10.20348679 11.25641196
13 8.954514475 9.418310877 9.913223697 10.44142702 11.00524137 12.24977278
14 9.447616507 9.974799775 10.54054806 11.14783011 11.79983743 13.2520029
15 9.918705056 10.51141407 11.1510691 11.84161885 12.58733888 14.26318149
16 10.36876287 11.02886357 11.74523689 12.52301852 13.36780907 15.28338847
17 10.79872881 11.52783272 12.32348947 13.19225033 14.14131077 16.31270444
18 11.20949984 12.00898156 12.88625315 13.84953157 14.90790621 17.35121073
19 11.60193289 12.4729465 13.43394279 14.49507565 15.66765705 18.3989894
20 11.9768466 12.92034127 13.96696218 15.12909216 16.4206244 19.45612323
21 12.33502309 13.35175765 14.48570427 15.75178694 17.16686882 20.52269576
22 12.67720956 13.76776631 14.99055148 16.36336217 17.90645035 21.59879126
23 13.00411985 14.16891751 15.48187599 16.96401642 18.63942847 22.68449475
24 13.31643592 14.55574188 15.96004003 17.5539447 19.36586215 23.77989203
25 13.61480932 14.9287511 16.4253961 18.13333854 20.08580981 24.88506963
26 13.89986248 15.28843856 16.87828727 18.70238607 20.79932936 26.0001149
27 14.17219004 15.63528004 17.31904743 19.26127203 21.50647821 27.12511592
28 14.43236013 15.96973433 17.74800152 19.81017789 22.20731322 28.2601616
29 14.68091548 16.29224382 18.16546577 20.34928186 22.90189078 29.40534162
30 14.91837461 16.60323511 18.57174793 20.87875897 23.59026676 30.56074645

Pentru rata dobnzii 12%, descreterile procentuale anuale sunt :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143
2 1.682079082 1.674107143 1.666135204 1.658163265 1.650191327 1.642219388
3 2.379694903 2.357700893 2.335849239 2.314139942 2.292573 2.271148415
4 2.996337458 2.955845424 2.91586943 2.876405664 2.837450313 2.798999562
5 3.541405432 3.479221889 3.418208346 3.358347712 3.299623033 3.24201749
6 4.023206587 3.937176296 3.853269728 3.771440896 3.691644537 3.613836108
7 4.449084394 4.337886402 4.230063961 4.125520768 4.024162777 3.925898162
8 4.825529955 4.688507744 4.556394681 4.429017801 4.306209498 4.187807386
9 5.158280943 4.995301419 4.839020393 4.689158115 4.545445557 4.407624056
10 5.452409048 5.263745885 5.083794447 4.912135527 4.748368999 4.592113047
11 5.712397283 5.498634792 5.295786263 5.103259024 4.920491562 4.746952021
12 5.942208313 5.704162586 5.479386317 5.267079163 5.066488378 4.876906161
13 6.145344848 5.883999405 5.638397078 5.407496425 5.190324964 4.985974814
14 6.324903035 6.041356623 5.776111755 5.527854079 5.295364924 5.077514576
15 6.483619647 6.179044188 5.895382502 5.631017782 5.38446132 5.15434259
16 6.623913795 6.299520807 5.998679488 5.719443813 5.460034155 5.218823245
17 6.747923801 6.404937849 6.088142057 5.795237554 5.524136114 5.272940938
18 6.857539789 6.497177761 6.165623031 5.860203618 5.578508311 5.318361145
19 6.954432492 6.577887683 6.23272709 5.915888815 5.624627585 5.356481675
20 7.04007872 6.648508866 6.290843997 5.963618985 5.663746612 5.388475691
21 7.115783869 6.710302401 6.341177391 6.004530558 5.69692793 5.415327812
22 7.182701813 6.764371743 6.384769704 6.039597621 5.725072798 5.437864414
23 7.241852495 6.811682418 6.422523762 6.069655104 5.748945677 5.456779062
24 7.294137473 6.853079259 6.455221472 6.095418661 5.769194994 5.472653855
25 7.340353659 6.889301494 6.483540025 6.117501709 5.786370754 5.485977343
26 7.381205467 6.92099595 6.508065915 6.136430036 5.800939478 5.497159556
27 7.417315547 6.948728599 6.529307087 6.152654317 5.813296879 5.506544627
28 7.449234278 6.972994667 6.547703459 6.166560843 5.823778603 5.514421383
29 7.477448156 6.994227477 6.563636031 6.178480723 5.832669351 5.521032233
30 7.50238721 7.012806185 6.577434777 6.188697762 5.84021061 5.526580624
Pentru rata dobnzii 12%, descreterile procentuale anuale sunt :
Anul h= 7% 8% 9% 10 % 11% 12 %
1 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143 0.892857143
2 1.634247449 1.62627551 1.618303571 1.610331633 1.602359694 1.594387755
3 2.249866185 2.228726312 2.207728795 2.186873633 2.166160828 2.145590379
4 2.7610496 2.723596613 2.686636789 2.650166313 2.614181372 2.578678155
5 3.1855144 3.130097218 3.075749534 3.022455073 2.970197698 2.918961407
6 3.537971779 3.464008429 3.391903639 3.321615683 3.253103528 3.18632682
7 3.830637281 3.738292638 3.648778849 3.562012603 3.477912625 3.396399644
8 4.07365417 3.963597524 3.857489958 3.755188699 3.656555568 3.561456863
9 4.275444981 4.148669395 4.027067734 3.91041949 3.798512907 3.691144678
10 4.443003422 4.300692717 4.164849677 4.035158519 3.911318292 3.793042247
11 4.58213677 4.425569018 4.276797505 4.135395238 4.000958285 3.873104623
12 4.697667139 4.528145979 4.367755116 4.215942602 4.072190066 3.936010775
13 4.793598607 4.612405626 4.441658174 4.280668162 4.128793892 3.985437038
14 4.873255986 4.681618907 4.50170441 4.332679773 4.173773718 4.024271958
15 4.93940006 4.738472673 4.550491976 4.374474818 4.209516615 4.05478511
16 4.994323264 4.785173982 4.590131873 4.408060122 4.237919453 4.078759729
17 5.039929139 4.823535771 4.62233929 4.435048312 4.260489565 4.09759693
18 5.077798303 4.85504724 4.648507816 4.456735251 4.278424744 4.112397588
19 5.109243233 4.880931662 4.669769743 4.474162255 4.292676805 4.124026676
20 5.135353756 4.902193865 4.687045059 4.488166098 4.304002104 4.133163817
21 5.157034816 4.919659246 4.701081253 4.499419186 4.313001672 4.140342999
22 5.175037838 4.934005809 4.712485661 4.508461846 4.320153114 4.145983785
23 5.189986776 4.945790486 4.721751743 4.515728269 4.325835957 4.150415831
24 5.202399734 4.955470757 4.729280434 4.521567359 4.330351787 4.153898153
25 5.212706922 4.963422407 4.735397495 4.526259485 4.33394026 4.156634263
26 5.221265569 4.96995412 4.740367608 4.530029943 4.336791813 4.158784064
27 5.228372303 4.975319456 4.744405824 4.533059776 4.33905778 4.160473193
28 5.23427343 4.979726696 4.747686875 4.535494463 4.340858415 4.161800366
29 5.239173473 4.983346929 4.750352729 4.537450907 4.342289276 4.162843145
30 5.243242259 4.986320691 4.752518735 4.539023051 4.3434263 4.163662471

Creterea procentual
Pentru rata dobnzii de 13%, creterile procentuale anuale sunt :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752
2 1.675933902 1.683765369 1.691596836 1.699428303 1.70725977 1.715091237
3 2.382914373 2.404814758 2.426853753 2.449031358 2.471347574 2.493802399
4 3.014817271 3.055673498 3.097043687 3.138931516 3.181340666 3.224274817
5 3.579615437 3.643174308 3.707924776 3.773883873 3.84106876 3.909496731
6 4.084435037 4.173484774 4.264745593 4.358264803 4.454090441 4.55227127
7 4.535645475 4.652172097 4.77229023 4.89610212 5.023712357 5.155227917
8 4.938939761 5.084261539 5.234919414 5.391102836 5.553007057 5.720833267
9 5.299406335 5.474289177 5.656607961 5.846678716 6.044829566 6.251401118
10 5.621593273 5.826349522 6.040978938 6.265969792 6.501832783 6.749101933
11 5.909565669 6.144138507 6.391334784 6.651866003 6.926481789 7.215971725
12 6.166956925 6.43099228 6.710685688 7.007027118 7.321067149 7.653920379
13 6.397014597 6.689922235 7.00177545 7.333901064 7.687717263 8.064739471
14 6.602641365 6.92364662 7.267105056 7.634740803 8.028409846 8.450109592
15 6.786431663 7.134619073 7.508954166 7.911619854 8.3449826 8.811607228
16 6.950704407 7.325054384 7.7294007 8.166446591 8.639143124 9.150711205
17 7.097532257 7.496951745 7.930338692 8.400977394 8.912478124 9.468808741
18 7.22876777 7.652115734 8.11349456 8.616828752 9.166461974 9.76720112
19 7.346066768 7.792175265 8.280441944 8.815488409 9.402464666 10.04710902
20 7.450909235 7.918600681 8.432615223 8.998325615 9.621759203 10.30967748
21 7.544617989 8.032719199 8.57132184 9.166600566 9.825528463 10.55598065
22 7.62837537 8.135728835 8.697753536 9.321473087 10.01487158 10.78702609
23 7.703238163 8.228710983 8.812996586 9.464010629 10.19080988 11.00375899
24 7.770150924 8.312641773 8.918041136 9.595195623 10.35429236 11.20706596
25 7.829957906 8.388402308 9.013789708 9.715932255 10.50620087 11.39777868
26 7.883413703 8.456787924 9.101064955 9.827052695 10.64735479 11.57667735
27 7.931192779 8.518516533 9.180616729 9.929322834 10.77851551 11.7444938
28 7.973897971 8.574236163 9.253128523 10.02344756 10.90039052 11.90191454
29 8.012068098 8.624531758 9.319223344 10.11007563 11.01363721 12.04958355
30 8.04618476 8.669931321 9.379469066 10.18980412 11.11886643 12.18810492
Creterea procentual
rata dobnzii 13%, creterile procentuale anuale de :
Anul h= 7% 8% 9% 10 % 11 % 13 %
1 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752
2 1.722922703 1.73075417 1.738585637 1.746417104 1.754248571 1.762080038
3 2.516395834 2.53912788 2.561998535 2.5850078 2.608155676 2.631442161
4 3.267737648 3.311732841 3.356264073 3.401335027 3.446949381 3.493110815
5 3.979185207 4.050151741 4.122414018 4.195989849 4.270897179 4.347154082
6 4.652856789 4.75589724 4.86144361 4.969547641 5.080261831 5.193639444
7 5.290758198 5.430415061 5.574312863 5.7225685 5.875301444 6.032633785
8 5.894788736 6.075086961 6.261947806 6.455597655 6.65626956 6.864203398
9 6.466746857 6.691233556 6.925241689 7.169165859 7.423415232 7.688413987
10 7.008335519 7.280117027 7.565056142 7.863789774 8.176983104 8.505330677
11 7.521167261 7.842943707 8.182222296 8.539972346 8.917213492 9.315018016
12 8.006769 8.380866552 8.777541861 9.198203169 9.644342456 10.11753998
13 8.466586575 8.894987501 9.351788167 9.838958837 10.35860188 10.91295998
14 8.901989058 9.386359735 9.90570717 10.46270329 11.06021955 11.70134087
15 9.314272825 9.855989835 10.44001842 11.06988816 11.7494192 12.48274493
16 9.704665418 10.30483984 10.955416 11.66095308 12.42642063 13.25723391
17 10.0743292 10.73382923 11.45256941 12.236326 13.09143974 14.02486901
18 10.42436482 11.14383679 11.93212448 12.79642354 13.74468859 14.78571088
19 10.75581447 11.53570242 12.39470414 13.34165124 14.38637552 15.53981963
20 11.06966503 11.91022886 12.84090931 13.87240386 15.01670515 16.28725486
21 11.36685096 12.26818333 13.2713196 14.3890657 15.63587851 17.02807561
22 11.6482571 12.61029911 13.68649412 14.89201086 16.24409305 17.76234043
23 11.91472133 12.93727703 14.08697221 15.38160349 16.84154273 18.49010733
24 12.16703701 13.2497869 14.47327408 15.85819809 17.42841808 19.21143381
25 12.4059554 13.54846889 14.84590154 16.32213974 18.00490626 19.92637687
26 12.63218786 13.83393487 15.20533866 16.77376434 18.5711911 20.63499301
27 12.84640797 14.10676961 15.55205233 17.21339892 19.12745321 21.3373382
28 13.04925356 14.36753202 15.88649296 17.64136178 19.67386997 22.03346795
29 13.2413286 14.61675626 16.20909498 18.05796279 20.21061563 22.72343726
30 13.42320495 14.85495289 16.52027746 18.46350361 20.73786137 23.40730065

Anul h= 1% 2% 3% 4% 5% 6%
1 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752
2 1.660270969 1.652439502 1.644608035 1.636776568 1.628945101 1.621113635
3 2.339529433 2.318044878 2.296698933 2.275491598 2.254422873 2.233492758
4 2.934631981 2.895295558 2.856458376 2.818116756 2.780267017 2.74290548
5 3.45600501 3.395920041 3.336959845 3.27910804 3.222348377 3.166664736
6 3.91278315 3.830089947 3.749425707 3.670746654 3.594009698 3.519172435
7 4.312969309 4.20662668 4.103489324 4.003466184 3.90646833 3.812408928
8 4.663574881 4.53318066 4.407420039 4.286130563 4.169154791 4.05634017
9 4.970742595 4.816386767 4.668316317 4.526270213 4.38999739 4.259256425
10 5.239854132 5.061999143 4.892271529 4.730282659 4.575661523 4.428054017
11 5.475624416 5.275008107 5.084516268 4.903602967 4.731750838 4.568469713
12 5.682184223 5.459741544 5.249540513 5.050848538 4.862976368 4.685275691
13 5.863152549 5.619952843 5.391198494 5.175942121 4.973298716 4.782441725
14 6.021700021 5.758897156 5.512798707 5.282216315 5.066047594 4.863270108
15 6.160604443 5.879397534 5.617181191 5.372502356 5.144022313 4.930507877
16 6.282299468 5.983902286 5.706783854 5.449205542 5.209576281 4.986440181
17 6.388917233 6.074534726 5.783699415 5.51436931 5.264688024 5.032967938
18 6.482325718 6.153136311 5.849724276 5.569729679 5.311020905 5.071672444
19 6.564161469 6.221304057 5.906400485 5.616761497 5.349973327 5.103869113
20 6.635858278 6.280422988 5.955051744 5.656717732 5.382720939 5.130652182
21 6.698672297 6.331694272 5.996814329 5.690662852 5.410252117 5.152931904
22 6.753704048 6.376159635 6.032663627 5.719501184 5.433397797 5.171465478
23 6.801917706 6.414722515 6.063436919 5.744001006 5.452856555 5.186882787
24 6.84415799 6.448166429 6.08985293 5.764815014 5.469215688 5.199707805
25 6.881164965 6.477170885 6.112528622 5.782497711 5.482968941 5.210376404
26 6.913587004 6.502325192 6.131993596 5.797520179 5.494531411 5.219251168
27 6.941992154 6.524140432 6.148702467 5.81028263 5.504252071 5.226633715
28 6.966878082 6.543059844 6.163045481 5.821125066 5.512424307 5.232774949
29 6.988680798 6.559467829 6.175357625 5.830336339 5.519294772 5.237883586
30 7.007782292 6.573697764 6.185926457 5.838161846 5.525070826 5.242133248
Anul h= 7% 8% 9% 10 % 11% 12 %
1 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752 0.884955752
2 1.613282168 1.605450701 1.597619234 1.589787767 1.5819563 1.574124834
3 2.212701253 2.192048358 2.171534073 2.151158399 2.130921334 2.110822879
4 2.706028465 2.669632292 2.63371328 2.598267751 2.563292024 2.528782419
5 3.112041126 3.058461689 3.005910695 2.954372545 2.903831771 2.854273034
6 3.446193139 3.375030755 3.305644896 3.237995832 3.172044492 3.107752452
7 3.721203203 3.632768403 3.547023766 3.463890486 3.38329168 3.305152352
8 3.947538919 3.842607903 3.741408519 3.643806582 3.549672208 3.458879708
9 4.133815217 4.013450682 3.897948454 3.787102587 3.680715279 3.578596586
10 4.287122258 4.152543918 4.024011586 3.901232149 3.783926193 3.67182743
11 4.41329531 4.265787969 4.125531455 3.9921318 3.865216205 3.744431981
12 4.517136848 4.357986665 4.207286393 4.064529752 3.929241082 3.800973578
13 4.602599353 4.43305109 4.27312444 4.122191838 3.979667755 3.845005972
14 4.67293575 4.494165489 4.326144461 4.168117393 4.019384338 3.879296686
15 4.730823228 4.543922345 4.368841999 4.204695269 4.05066554 3.906000959
16 4.778465135 4.584432352 4.403226743 4.23382809 4.075302948 3.926797207
17 4.817674845 4.61741395 4.430917111 4.257031222 4.094707631 3.942992515
18 4.849944784 4.644266225 4.453216435 4.275511593 4.109990966 3.955604791
19 4.87650323 4.666128254 4.471174297 4.290230472 4.122028283 3.96542674
20 4.898361065 4.683927428 4.485635938 4.301953474 4.131509002 3.973075691
21 4.916350257 4.698418791 4.497282039 4.311290377 4.138976116 3.979032397
22 4.931155521 4.710217069 4.506660757 4.318726849 4.144857295 3.983671247
23 4.943340385 4.719822746 4.51421353 4.324649703 4.149489374 3.987283803
24 4.953368635 4.727643298 4.520295852 4.32936702 4.153137649 3.990097121
25 4.961621974 4.734010473 4.525194004 4.333124175 4.156011068 3.992288023
26 4.968414545 4.739194367 4.529138534 4.3361166 4.158274204 3.993994213
27 4.974004891 4.743414883 4.532315103 4.338499947 4.160056674 3.995322927
28 4.978605795 4.746851055 4.534873225 4.340398188 4.161460566 3.996357678
29 4.98239238 4.749648647 4.536933305 4.341910061 4.162566287 3.997163501
30 4.985508773 4.751926332 4.538592307 4.343114208 4.163437164 3.997791045

Creterea procentual
Pentu rata dobnzii de 14%, creterile procentuale anuale sunt :
Anul h= 1% 2% 3% 4% 5% 6%
1 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982
2 1.654355186 1.662049861 1.669744537 1.677439212 1.685133887 1.692828563
3 2.34289363 2.364290227 2.385821818 2.407488404 2.429289984 2.451226558
4 2.952914532 2.992610554 3.032803924 3.073498193 3.114696915 3.156403642
5 3.493371647 3.554791899 3.617357931 3.681086071 3.745992773 3.812094614
6 3.972197687 4.057796261 4.145507604 4.235376766 4.327449484 4.421772185
7 4.396420758 4.507852795 4.622695467 4.741045471 4.863001717 4.988665365
8 4.772267513 4.910534957 5.053838887 5.202357272 5.356273512 5.515776568
9 5.105254551 5.270829523 5.443380749 5.623203125 5.810602796 6.00589751
10 5.400269383 5.593198345 5.795335238 6.007132676 6.229063979 6.461624001
11 5.661642173 5.881633607 6.113329206 6.357384195 6.614488752 6.885369685
12 5.893209293 6.139707262 6.400639546 6.676911898 6.969485254 7.27937883
13 6.098369637 6.37061527 6.660226958 6.968410854 7.296455717 7.64573821
14 6.280134503 6.577217171 6.894766462 7.234339726 7.597612721 7.98638816
15 6.441171797 6.762071504 7.106674961 7.476941505 7.874994173 8.303132851
16 6.583845188 6.927467486 7.298136149 7.698262425 8.130477089 8.597649844
17 6.710248807 7.075453365 7.471123012 7.90016923 8.365790302 8.871498978
18 6.822237978 7.207861782 7.62741816 8.084364912 8.582526155 9.126130628
19 6.921456454 7.326332472 7.768632197 8.252403077 8.782151283 9.362893391
20 7.009360543 7.432332563 7.896220319 8.405701053 8.966016533 9.583041223
21 7.087240481 7.527174749 8.011497305 8.545551838 9.135366105 9.787740085
22 7.156239374 7.612033547 8.115651074 8.67313501 9.291345974 9.978074114
23 7.217369971 7.687959841 8.209754918 8.789526676 9.435011642 10.15505137
24 7.271529536 7.755893893 8.294778566 8.895708546 9.567335285 10.31960917
25 7.31951301 7.816676992 8.371598178 8.992576218 9.689212324 10.47261905
26 7.362024684 7.87106187 8.441005372 9.080946725 9.801467491 10.6148914
27 7.399688536 7.919722024 8.50371538 9.161565433 9.904860408 10.74717972
28 7.433057387 7.963260056 8.560374422 9.235112325 10.00009073 10.87018465
29 7.462621018 8.002215138 8.611566364 9.302207735 10.08780286 10.98455766
30 7.488813358 8.037069685 8.657818732 9.363417583 10.16859036 11.09090449
Creterea procentual
Pentru rata dobnzii 14%, creterile procentuale anuale sunt :
Anul h= 7% 8% 9% 10 % 11 % 13 %
1 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982
2 1.700523238 1.708217913 1.715912588 1.723607264 1.731301939 1.738996614
3 2.473298127 2.49550469 2.517846247 2.540322798 2.562934344 2.585680884
4 3.198621926 3.24135532 3.284607376 3.328381648 3.372681686 3.417511044
5 3.879408299 3.947950654 4.017738632 4.088789309 4.161119887 4.234747693
6 4.518392 4.61735676 4.718715008 4.822516 4.928809715 5.037646856
7 5.11813986 5.251530966 5.388946806 5.530497895 5.676297178 5.826460069
8 5.681061096 5.852327581 6.029782472 6.213638319 6.404113919 6.601434454
9 6.209416994 6.421503323 6.642511311 6.872808905 7.112777588 7.362812797
10 6.705329985 6.960722446 7.228366078 7.508850698 7.802792213 8.110833625
11 7.170792179 7.471561616 7.788525461 8.122575234 8.474648558 8.84573128
12 7.607673361 7.955514513 8.324116449 8.714765577 9.128824473 9.567735995
13 8.017728506 8.413996205 8.836216605 9.286177311 9.765785233 10.27707396
14 8.402604826 8.848347282 9.325856227 9.837539511 10.38598387 10.9739674
15 8.763848389 9.259837776 9.794020428 10.36955567 10.98986148 11.65863464
16 9.10291033 9.649670876 10.24165111 10.88290459 11.57784759 12.33129017
17 9.421152678 10.01898644 10.66964887 11.37824127 12.15036037 12.99214473
18 9.719853829 10.36886435 11.0788748 11.85619772 12.70780703 13.64140535
19 10.00021368 10.70032763 11.47015222 12.31738376 13.25058403 14.27927543
20 10.26335846 11.01434547 11.84426835 12.76238784 13.77907744 14.90595481
21 10.51034522 11.31183606 12.20197588 13.19177774 14.29366312 15.52163981
22 10.74216613 11.59366925 12.54399448 13.60610133 14.79470707 16.12652332
23 10.95975242 11.86066912 12.87101226 14.00588725 15.28256566 16.72079484
24 11.16397814 12.11361636 13.18368717 14.39164559 15.75758586 17.30464055
25 11.3556637 12.35325058 13.48264825 14.76386855 16.22010553 17.87824335
26 11.53557908 12.58027248 13.76849702 15.12303106 16.67045363 18.44178294
27 11.70444704 12.79534586 14.04180855 15.46959137 17.10895046 18.99543587
28 11.8629459 12.99909959 14.30313274 15.80399168 17.53590791 19.53937559
29 12.01171238 13.19212943 14.55299534 16.12665864 17.95162963 20.07377251
30 12.15134408 13.37499981 14.79189905 16.43800395 18.35641131 20.59879404

Anul h= 1% 2% 3% 4% 5% 6%
1 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982
2 1.638965836 1.63127116 1.623576485 1.61588181 1.608187135 1.600492459
3 2.300505419 2.279513805 2.258657185 2.237935559 2.217348928 2.196897291
4 2.87500032 2.836775025 2.799032868 2.761770295 2.724983756 2.688669696
5 3.373903786 3.315824144 3.258826212 3.202894284 3.148012779 3.094166241
6 3.80716206 3.727638299 3.650053882 3.574367116 3.500536965 3.42852304
7 4.183412666 4.081653977 3.982940584 3.887186343 3.79430712 3.704220753
8 4.510156614 4.385983243 4.266186286 4.150613061 4.039115582 3.931550445
9 4.793907936 4.64759963 4.507193594 4.372446087 4.243122634 4.118997736
10 5.040323559 4.872497928 4.712261216 4.559252845 4.413128511 4.273559536
11 5.254316073 5.065831552 4.886748579 4.716563799 4.554800075 4.401005232
12 5.440151677 5.232030632 5.035215896 4.849036182 4.672859712 4.506092033
13 5.601535229 5.374903526 5.16154335 4.960591872 4.771242742 4.592742554
14 5.741684102 5.497724084 5.2690325 5.054533507 4.853228601 4.664191228
15 5.863392334 5.603306668 5.360492566 5.133642251 4.92155015 4.723105048
16 5.969086325 5.694070645 5.43831385 5.200260141 4.978484774 4.77168311
17 6.060873212 5.772095817 5.504530205 5.256359417 5.025930294 4.811738705
18 6.140582877 5.839170089 5.560872192 5.303600913 5.065468228 4.844767002
19 6.209804429 5.896830427 5.608812304 5.343383225 5.098416505 4.872000861
20 6.269917881 5.946398086 5.649603452 5.376884119 5.125873404 4.894456851
21 6.322121669 5.989008881 5.684311709 5.405095399 5.148754152 4.912973193
22 6.367456537 6.025639214 5.713844173 5.428852265 5.167821443 4.928241054
23 6.406826291 6.057128447 5.738972674 5.448858048 5.183710851 4.940830342
24 6.441015814 6.084198139 5.760353942 5.465705023 5.196952025 4.951210984
25 6.470706716 6.107468575 5.778546775 5.479891949 5.207986337 4.959770461
26 6.49649092 6.127472986 5.794026642 5.491838834 5.217181596 4.966828274
27 6.518882465 6.14466976 5.807198108 5.501899369 5.224844313 4.972647875
28 6.538327755 6.159452951 5.818405407 5.510371399 5.23122991 4.977446494
29 6.555214454 6.172161309 5.827941443 5.517505739 5.236551241 4.981403249
30 6.569879219 6.183086038 5.836055438 5.523513605 5.240985683 4.984665837
Anul h= 7% 8% 9% 10 % 11% 12 %
1 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982 0.877192982
2 1.592797784 1.585103109 1.577408433 1.569713758 1.562019083 1.554324408
3 2.176580648 2.156399 2.136352346 2.116440686 2.096664021 2.07702235
4 2.652824564 2.617444807 2.582526873 2.548067208 2.514062262 2.48050848
5 3.041339337 2.989516862 2.938683732 2.888824989 2.839925801 2.791971459
6 3.3582856 3.289785538 3.222984382 3.15784429 3.094328038 3.032399021
7 3.616847024 3.532107627 3.44992613 3.370227948 3.29294031 3.217992226
8 3.827778713 3.727665804 3.631081384 3.537899257 3.44799726 3.361257157
9 3.999854564 3.885484684 3.775687772 3.670271343 3.569050492 3.47184763
10 4.140232232 4.012847289 3.891119186 3.774775622 3.663556963 3.557215715
11 4.254750856 4.115631145 3.983261806 3.857279 3.737338331 3.623113885
12 4.348173944 4.198579521 4.056814249 3.922413245 3.794939574 3.673982648
13 4.424387516 4.265520315 4.115527164 3.973835018 3.839908966 3.713249763
14 4.486561745 4.31954271 4.16239449 4.014431155 3.875016649 3.743561221
15 4.537282827 4.363139731 4.199806128 4.046480736 3.902425278 3.766959539
16 4.578660552 4.398323292 4.229669804 4.071783037 3.923823244 3.785021398
17 4.612416064 4.426717043 4.253508352 4.091758538 3.940528673 3.798963887
18 4.639953456 4.449631297 4.272537369 4.107528671 3.95357063 3.809726509
19 4.66241817 4.468123503 4.287727198 4.119978775 3.96375251 3.818034498
20 4.680744648 4.483047038 4.299852413 4.129807805 3.971701521 3.824447683
21 4.695695195 4.495090592 4.309531312 4.137567565 3.977907328 3.829398211
22 4.707891694 4.504809951 4.317257451 4.143693692 3.982752212 3.833219672
23 4.71784147 4.512653645 4.323424807 4.148530108 3.986534622 3.836169571
24 4.725958392 4.518983643 4.328347872 4.152348331 3.989487555 3.838446687
25 4.732580092 4.524092063 4.332277688 4.155362717 3.991792916 3.84020446
26 4.737982005 4.528214647 4.335414645 4.157742496 3.993592715 3.841561337
27 4.742388828 4.531541645 4.337918708 4.159621269 3.994997822 3.842608752
28 4.745983869 4.534226591 4.339917565 4.16110451 3.99609479 3.843417282
29 4.748916665 4.536393389 4.341513144 4.162275491 3.996951196 3.844041411
30 4.751309209 4.538142033 4.342786808 4.163199949 3.997619793 3.844523194

Creterea procentual
Anul h= 1% 2% 3% 4% 5% 6%
1 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217
2 1.633270321 1.640831758 1.648393195 1.655954631 1.663516068 1.671077505
3 2.30400263 2.324911646 2.345952166 2.367124188 2.388427714 2.409862743
4 2.893080571 2.931660765 2.970722374 3.010268831 3.050303565 3.090830007
5 3.410444675 3.469820852 3.53029917 3.591895291 3.654624994 3.71850418
6 3.864825323 3.947145451 4.031485344 4.117887915 4.206396734 4.297056027
7 4.263890067 4.370511618 4.48037383 4.593568202 4.710188322 4.830329903
8 4.614373015 4.746019 4.882421778 5.023748634 5.170171946 5.321869302
9 4.922188474 5.079077722 5.242516897 5.412781374 5.590156995 5.7749404
10 5.192530747 5.374486327 5.565036873 5.764602286 5.973621604 6.19255376
11 5.429961786 5.636500916 5.85390259 6.082770763 6.323741464 6.577484336
12 5.638488178 5.868896465 6.112625798 6.370505733 6.64341612 6.932289909
13 5.821628747 6.075021212 6.344351802 6.630718228 6.935292979 7.25932809
14 5.982473943 6.257844901 6.551897701 6.866040833 7.201789241 7.560771979
15 6.123737985 6.420001565 6.737786636 7.078854318 7.445111916 7.838624607
16 6.247804665 6.563827475 6.904278466 7.271311731 7.667276097 8.094732246
17 6.356767575 6.691394804 7.053397234 7.445360174 7.870121654 8.330796679
18 6.452465436 6.804541478 7.186955784 7.602760506 8.055328467 8.548386504
19 6.536513122 6.904897659 7.306577789 7.745105153 8.224430339 8.74894756
20 6.610328916 6.993909228 7.413717498 7.873834225 8.378827701 8.933812534
21 6.675158439 7.072858619 7.509677411 7.990250082 8.519799205 9.104209814
22 6.732095673 7.142883297 7.595624116 8.095530509 8.648512318 9.261271654
23 6.782101417 7.204992142 7.672602469 8.190740634 8.766032986 9.406041699
24 6.826019505 7.260079987 7.741548299 8.276843704 8.873334465 9.539481914
25 6.864591044 7.30894051 7.80329978 8.354710828 8.971305381 9.662478981
26 6.898466917 7.35227767 7.858607629 8.425129792 9.060757087 9.775850192
27 6.92821877 7.390715846 7.908144225 8.488813029 9.142430384 9.880348872
28 6.954348659 7.424808837 7.952511784 8.546404827 9.217001655 9.976669395
29 6.977297518 7.455047838 7.992249685 8.598487843 9.285088468 10.06545179
30 6.997452603 7.481868518 8.027841022 8.645589006 9.347254688 10.147286
Creterea procentual
rata dobnzii 15%, creterile procentuale anuale de :
Anul h= 7% 8% 9% 10 % 11 % 13 %
1 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217
2 1.678638941 1.686200378 1.693761815 1.701323251 1.708884688 1.716446125
3 2.431429276 2.453127312 2.47495685 2.496917893 2.519010438 2.541234487
4 3.131851587 3.173371736 3.215393884 3.257921463 3.300957901 3.344506631
5 3.783548868 3.849775196 3.917199421 3.985837921 4.055707191 4.126823849
6 4.389910686 4.485006271 4.582389016 4.682105837 4.784204333 4.888732792
7 4.954090812 5.081571106 5.212873068 5.348101236 5.487362443 5.63076585
8 5.479023625 5.6418233 5.810462299 5.985140312 6.16606288 6.353441523
9 5.967439373 6.167973186 6.376872962 6.594482038 6.821156345 7.057264788
10 6.421878373 6.662096557 6.913731764 7.177330645 7.45346395 7.742727445
11 6.844704225 7.126142854 7.422580541 7.734838008 8.063778247 8.410308469
12 7.238116105 7.561942854 7.904880687 8.268105921 8.652864221 9.060474335
13 7.604160202 7.971215898 8.362017347 8.778188272 9.221460249 9.693679352
14 7.944740362 8.355576669 8.795303398 9.26609313 9.770279022 10.31036598
15 8.261627989 8.716541568 9.205983221 9.732784733 10.30000845 10.91096513
16 8.55647126 9.055534689 9.59523627 10.1791854 10.8113125 11.49589647
17 8.830803694 9.373893448 9.964180465 10.60617734 11.30483207 12.06556874
18 9.086052132 9.672873846 10.3138754 11.01460441 11.78118573 12.62037999
19 9.323544158 9.953655438 10.64532538 11.40527378 12.24097058 13.1607179
20 9.544514999 10.21734598 10.95948231 11.77895753 12.68476291 13.68696004
21 9.750113956 10.46498579 11.25724845 12.13639416 13.11311898 14.19947413
22 9.941410376 10.69755187 11.53947897 12.47829007 13.52657571 14.69861828
23 10.11939922 10.91596176 11.80698441 12.80532093 13.92565134 15.18474128
24 10.28500623 11.12107713 12.06053305 13.11813307 14.31084607 15.65818281
25 10.43909275 11.31370722 12.30085307 13.41734467 14.68264273 16.1192737
26 10.58246021 11.49461199 12.52863465 13.70354708 15.04150733 16.56833612
27 10.71585429 11.66450518 12.74453197 13.9773059 15.38788969 17.00568388
28 10.83996877 11.82405704 12.94916508 14.23916217 15.72222396 17.43162256
29 10.9554492 11.97389704 13.14312169 14.48963338 16.04492921 17.84644979
30 11.06289622 12.11461635 13.32695882 14.72921453 16.35640993 18.25045545

Anul h= 1% 2% 3% 4% 5% 6%
1 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217
2 1.618147448 1.610586011 1.603024575 1.595463138 1.587901701 1.580340265
3 2.262579107 2.242064601 2.221681598 2.201430098 2.181310101 2.161321608
4 2.81735071 2.780194182 2.743505348 2.707280777 2.67151704 2.636210705
5 3.294936698 3.238774172 3.183652337 3.129556127 3.076470598 3.024380924
6 3.70607594 3.629564077 3.554906754 3.482064245 3.410997451 3.341667886
7 4.060013201 3.96258504 3.868051783 3.776331892 3.68734572 3.601015489
8 4.364707016 4.246376816 4.132182809 4.021981405 3.915633421 3.813003965
9 4.627008649 4.488216765 4.354971586 4.227045347 4.104218913 3.986281502
10 4.852816141 4.694306461 4.542889077 4.398229159 4.260006928 4.127917054
11 5.047206939 4.869930723 4.701393396 4.541130429 4.388701375 4.243688722
12 5.21455206 5.019593138 4.835088342 4.660421923 4.49501418 4.338319477
13 5.358614382 5.147131544 4.947857124 4.760004388 4.582837801 4.415669834
14 5.482633251 5.255816446 5.042975139 4.843134098 4.655387748 4.478895342
15 5.58939732 5.348434884 5.123205117 4.912529334 4.715320314 4.530575323
16 5.681307258 5.427361901 5.19087736 4.97045927 4.764829824 4.57281809
17 5.760429727 5.494621446 5.247957425 5.018818173 4.805728985 4.607346961
18 5.828543852 5.551938276 5.29610322 5.059187345 4.839515249 4.635570559
19 5.887181229 5.600782183 5.33671315 5.092886827 4.86742564 4.658640283
20 5.937660362 5.642405686 5.370966744 5.121018568 4.890482051 4.677497275
21 5.981116312 5.67787615 5.399858906 5.144502457 4.909528651 4.692910816
22 6.018526216 5.708103154 5.424228816 5.164106399 4.925262798 4.705509711
23 6.050731264 5.733861818 5.444784306 5.180471429 4.938260573 4.715807937
24 6.07845561 5.75581268 5.462122415 5.194132671 4.948997864 4.724225618
25 6.102322656 5.774518632 5.476746732 5.205536838 4.957867801 4.731106158
26 6.122869069 5.790459356 5.489082026 5.215056839 4.96519514 4.736730251
27 6.140556851 5.804043625 5.499486579 5.22300397 4.971248159 4.741327335
28 6.155783724 5.815619785 5.508262593 5.229638097 4.976248479 4.745084952
29 6.168892075 5.825484686 5.515664969 5.23517615 4.980379178 4.748156396
30 6.180176656 5.833891298 5.521908713 5.239799221 4.983791495 4.750666967
rata dobnzii de 15%, descreterile procentuale anuale de :
Anul h= 7% 8% 9% 10 % 11% 12 %
1 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217 0.869565217
2 1.572778828 1.565217391 1.557655955 1.550094518 1.542533081 1.534971645
3 2.141464617 2.12173913 2.102145147 2.082682666 2.063351689 2.044152215
4 2.601358343 2.566956522 2.533001812 2.499490782 2.466420003 2.433786043
5 2.973272399 2.923130435 2.873940564 2.825688438 2.778359828 2.731940624
6 3.274037679 3.208069565 3.143726881 3.08097356 3.019774128 2.960093695
7 3.517265254 3.43602087 3.357209967 3.280761917 3.206607803 3.134680393
8 3.713962335 3.618381913 3.526140061 3.437118022 3.351200822 3.26827717
9 3.87303041 3.764270748 3.659815178 3.559483669 3.463103245 3.370507747
10 4.001668071 3.880981816 3.76559288 3.655248089 3.549705989 3.448736363
11 4.105696788 3.97435067 3.849295236 3.730194157 3.616728983 3.508598261
12 4.189824359 4.049045753 3.915529274 3.788847601 3.668598952 3.554405626
13 4.25785796 4.10880182 3.967940556 3.834750296 3.708741798 3.589458218
14 4.312876437 4.156606673 4.009413831 3.870674145 3.73980887 3.616281071
15 4.35736964 4.194850556 4.042231814 3.898788461 3.763852082 3.636806385
16 4.393351101 4.225445662 4.068200827 3.92079097 3.782459437 3.652512712
17 4.422449151 4.249921747 4.088750219 3.938010324 3.796859912 3.664531466
18 4.445980618 4.269502615 4.105011043 3.951486341 3.808004628 3.673728426
19 4.465010413 4.28516731 4.117878304 3.962032788 3.816629668 3.6807661
20 4.480399725 4.297699065 4.128060223 3.97028653 3.8233047 3.686151451
21 4.492844995 4.307724469 4.13611722 3.97674598 3.828470594 3.690272414
22 4.502909431 4.315744793 4.142492757 3.981801202 3.832468547 3.693425848
23 4.511048496 4.322161052 4.147537747 3.985757462 3.835562614 3.695838909
24 4.517630523 4.327294059 4.151529869 3.988853666 3.837957154 3.697685426
25 4.522953379 4.331400464 4.154688853 3.991276782 3.839810319 3.699098413
26 4.52725795 4.334685589 4.157188571 3.993173134 3.841244508 3.700179655
27 4.530739038 4.337313689 4.159166608 3.994657235 3.842354445 3.701007041
28 4.533554179 4.339416168 4.160731838 3.995818706 3.84321344 3.70164017
29 4.535830771 4.341098152 4.161970411 3.996727683 3.843878228 3.702124652
30 4.537671841 4.342443739 4.162950499 3.997439056 3.844392715 3.702495386

Tabele de Calcul Actuarial Utilizate in Evaluarea Proprietatii

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Tabele de Calcul Actuarial Utilizate in Evaluarea Proprietatii

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TABELE DE CALCUL ACTUARIAL

UTILIZATE N EVALUAREA PROPRIETII

Factorii de fructificare z=(1+ ra)h ra= 1 %

Factorii de fructificare z*=(1+ ra)h pentru ra = 2 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =3 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =4 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra = 5 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =6 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =7 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =8 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z*=(1+ ra)h pentru ra =9 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=10 % Dobnda compus

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 11 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=12 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 13 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 14 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 15 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 16 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 17 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 18 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 19 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=20 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=21 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=22 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=23 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=24 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 25 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=26 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 27 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=28 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra=29 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de fructificare z=(1+ ra)h ra= 30 %

Luna n= Lunar Trimestrial Semestrial Anual Luna n=

Factorii de acumulare (compunere) pentru 1 f can =

Factorii de acumulare (compunere) pentru 1 f can =

Factorii de acumulare (compunere) pentru 1 f can =