NQBFRFKD PZCJLAE] - LFNJFLFRFA] LFNJ] =

Ck Gnkunry >, :0:0, MCPPAZKFMQ] MCZP. fssuab :,000 ci fts 1-yanr, P>,000 inma vnlua, >>%
jckbs bntab Gnkunry
Gnkunry > nt nk aamva nkkunl fktarast rnta (yfalb) ci 6%. Fktarast fs pnynjla
anmh Bamaejar
Bamaejar =>. MCPPAZKFMQ] usas tha aamva
aamva fktarast e eathcb
athcb ci necrznck.
necrznck. Ck
Bamaejar =>, :0:>, tha :,000 jckbs wara axkdufshab anrly thrcudh nmqufsfck fk tha cpak
enroat jy MCPPAZKFMQ] icr P>,680,000 plus nmmruab fktarast.

Ck Guly >, :0:0, MCPPAZKFMQ]

MCPPAZKFMQ] fssuab 1,000 ci fts 9-yanr, P>,000 inma vnlua, >0% mckvarjla
jckbs nt pnr. Fktarast fs pnynjla
pnynjla avary Guka =0 nkb Bamaejar
Bamaejar =>. Ck tha bnta ci fssua,
fssua, tha
pravnflfkd enroat fktarast rnta icr sfeflnr bajt
bajt wfthcut tha mckvarsfck cpck fs >:%
>:%.. Ck Guly >,
:0:> nk fkvastcr fk MCPPAZKFMQ]‖
MCPPAZKFMQ]‖ mckvarjla jckbs takbarab >,100 jckbs icr mckvarsfck fktc
>1,000 shnras ci MCPPAZMFKQ] crbfknry shnras, whfmh hnb n infr vnlua ci P>f01 nkb n pnr vnlua
ci P>00 nt tha bnta ci mckvarsfck.

Jnsab ck tha njcva nkb tha rasult ci ycur nubft, batarefka tha icllcwfkd
icllcwfkd77
(Zcukb c prasakt vnlua inmtcrs tc icur bamfenl plnmas.)
>. Fssua p
prfma
rfma ci tha
tha :,000 1-yanr,
1-yanr, P>,000
P>,000 inma
inma vnlua
vnlua jckbs ck Gnkun
Gnkunry
ry >, :0:0 fs
N.  P:,000,000 J. >,822,200 M. P:,>11,100 B. P:,>24,800

:. Rha mnr
mnrryfkd
ryfkd vnlua
vnlua ci tha :,000
:,000 1-yanr,
1-yanr, P>,000
P>,000 inma vnlua
vnlua jckbs
jckbs ck Bam.
Bam. =>, :0:0 fs
N. P>,8
P>,868,
68,200
200 J. P:,000
P:,000,00
,000
0 M. P:,>:6,100(:,>:6,1=:) 
P:,>:6,100(:,>:6,1=:)  B. P:,>:>,>00

=. Rha dn
dnfk
fk ck anrly
anrly rarae
raraeakt
akt ci jckbs
jckbs ck Bamaej
Bamaejar
ar =>, :0:>
N. P:
P:0,000 J. P>>:,000 M. P>:>,:00(>:>,>60) M. P10,000

2. Rha mnr
mnrryfkd
ryfkd vnlua
vnlua ci tha 1,000
1,000 9-yanr,
9-yanr, P>,000
P>,000 inma vnlua
vnlua jckbs
jckbs ck Bam.
Bam. =>, :0:0 fs
N. P2,901,800 J. P1,000,000 M. P2,4=:,841 B. P2,9>1,200

1. Rha mck
mckvarsf
varsfck
ck ci tha >,100
>,100 9-yanr
9-yanr P>,000
P>,000 inma vnlua
vnlua jckbs
jckbs ck Guly >, :0:>
:0:> wfll fkmrans
fkmransa
a
tha shnra praefue jy
N. P>,=42,900 J. P>,281,000 M. P>,2>1,012 B. P>,=44,964
 

bfsmcukt?? aamva < kcefknl 5 praefue 

aamva ; kcefknl 5 bfsmcukt praefue 

Fi nt bfsmcukt
bfsmcukt,, nbb necrznck tc mnrryfkd necukt burfkd tha parfcb.

Fi nt praefue,
praefue, babumt necrznck tc mnrryfkd necukt burfkd tha parfcb.

:,000 ci fts 1-yanr, P>,000 inma vnlua, >>% jckbs, aamva nkkunl fktarast rnta (yfalb) ci 6%.

Kcefknl7 >>% ; Aamva7 6% ~ PZAEFQE

:,000,000 fssua prfma(:,000shnras x >,000)

::0,000 fktarast nkkunlly ( :,000,000 x >>%)

Mnsh mcksfbarnck/pnyeakt
mcksfbarnck/pnyeakt fs >,680,000

Prfkmfpnl7 :,000,000 x >.06 -1(0.9266)  >,:66,800

√1
>√>.06 811,4=2
Fktarast7 ::0,000 x (=.8864)
0.06
Mnrryfkd necukt, Gnk. >, :0:0 :,>11,1=2

Bnta Kcefknl Aamva Nkkunl Mnrryfkd

fktarast(mckstnkt) fktarast(Mnrryfkd Necrznck(Kcefknl Necukt/Ynlua
>>% necukt burfkd fktarast ” Aamva
tha parfcb x fktarast)
Aamva rnta)
6%
Gnk. >, :,>11,1=2
:0:0
Bam. =>, ::0,000 >6=,668 :9,00: :,>:6,1=:
:0:0
Bam. =>, ::0,000 >6>,918 :8,=2: :,>0>,>60
:0:>

Mnsh mcksfbarnck + nmmruab fktarast ; Mnrryfkd Necukt 5 LC]]

Mnsh mcksfbarnck + nmmruab fktarast < Mnrryfkd Necukt 5 DNFK

Mnsh mcksfbarnck/pnyeakt >,680,000

Nmmruab fktarast 0
Mnsh mcksfbarnck + nmmruab fktarast >,680,000
Mnrryfkd Necukt, Bam. =>, :0:> :,>0>,>60
DNFK >:>,>60
 

Rhara fs kc nmmruab fktarast jamnusa tha axkdufsheakt ci jckbs hnppakab nt bnta ci fktarast
pnyeakt whfmh fs Bam. =>. Rhara wfll ja nmmruab fktarast fi tha axkdufsheakt hnppakab
jaicra tha bnta ci fktarast pnyeakt. Rha nmmruab fktarast wfll ja mceputab jy eulplyfkd tha
kcefknl fktarast tc tha kuejar ci eckths pnssab irce tha bnta ci lnst fktarast
f ktarast pnyeakt tc tha
bnta ci axkdufsheakt cvar >: eckths fk n yanr.

 SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS

1,000 ci fts 9-yanr, P>,000 inma vnlua, >0% mckvarjla jckbs nt pnr vnlua ci P>00

Fktarast fs pnynjla avary Guka =0 nkb Bamaejar =>. Fktarast Pnynjla : eas fk n yanr(saef-
nkkunl). Fi saef-nkkunl, tha fktarast rnta usab fk tha mceputnck
mceputnck wfll ja hnlvab(kcefknl
fktarast rnta7 >0%ô:51%
>0%ô:51%?? aamva fktarast rnta7 >:%ô:59%
>:%ô:59%)) nkb tha parfcb wfll ja bcujlab(9
yanrs x : 5 >: fktarast pnyeakt parfcbs).
parfcbs ).

Fi tha prcjlae dfvas tha aamva rnta, tha mckvarjla jckb fs tc ja nssueab TFRH JCKB
MCKYAZ]FCK PZFYFLADA. Rha prcjlae wfll fkbfmnta fi ft hns kc jckb mckvarsfck prfvflada.

Kcefknl7 >0%% < Aamva7 >:% ~ BF]MCQKR

1,000,000 fssua prfma(1,000shnras x >,000)

:10,000 fktarast saef-nkkunlly ( 1,000,000 x 1%)
1%)

1,:10,000 Fssua prfma ci jckb TFRH mckvarsfck prfvflada (1,000,000 x >.01)

Prfkmfpnl7 1,000,000 x >.09 ->:(0.2640)  :,281,000

√>:
>√>.09 :,061,610
Fktarast7 :10,000 x   (8.=8=8)
0.09
Mnrryfkd necukt, Gul. >, :0:0 2,180,610
Fssua prfma ci jckb TFRH mckvarsfck prfvflada (1,:10,000)
]hnra praefue jckb mckvarsfck prfvflada 996,010
Fi nt bfsmcukt,
bfsmcukt, nbb necrznck tc mnrryfkd necukt burfkd tha parfcb.

Bnta Kcefknl Aamva Nkkunl Mnrryfkd

fktarast(mckstnkt) fktarast(Mnrryfkd Necrznck(Kcefknl Necukt/Ynlua
1% necukt burfkd fktarast ” Aamva
tha parfcb x fktarast)
Aamva rnta)
9%
Gul. >, :0:0 2,180,610
Bam. =>, :10,000 :42,814 :2,814 2,901,804
:0:0
Gul. >, :0:> :10,000 :49,=28 :9,=28 2,9=:,>11
 

>,100 ci tha 1,000 jckbs wara mckvartab fktc >1,000 shnras

Mnrryfkd Necukt, Gul. >, :0:> >,=86,924

>,100
( x 2,9=:,>11)
1,000
]hnra praefue jckb mckvarsfck prfvflada :00,4>1
>,100
( 1,000 x 996,010)
Rctnl mcksfbarnck >,160,=9:
Pnr vnlua ci shnras fssuab(>1,000 x >00) (>,100,000)
]hnra praefue 60,=9: