One
Qian Ge's cousin wants to change an apple 8plus recently, preparation is bought in installment on day cat.
I say to him, it is OK to avoid the word of breath in installment; Unavoidable breath is best entire section pays, of beneficial interest in installment not be to one's profit.
He calculated silently, a year period accrual also with respect to 7.5% , do not calculate very expensive, how not Where is be to one's profit?
Crucial question came.
Does accrual have really so low? This also is Qian Ge wants to mix today everybody the topic of Lao.
See next pictures, first answer dish his algorithm.
Cost price of apparent mobile phone is 5088 yuan, cent 12 period if paying, terminally needs to pay 455.8 yuan.
So, this in installment annual interest leads even if:
(455.8 × 12-5088) 5088 ＝ of ÷ 7.5% .
Don't have illness?
Not! Such wanting wrong! Off base!
Change a train of thought to look, buying a mobile phone now is 5088 yuan when borrow by right of credit, so after 12 months, one-time need pays 455.8 × 12=5469.6 yuan.
Noticed, 12 lunar hind are here one-time settle.
Among them capital 5088 yuan, accrual is 381.6 yuan, interest rate is 7.5% , completely correct.
Mix with this scene consume in installment than, discover a problem?
Take fraction 12 period for, the secret of instalment depends on, although terminally repays capital, the money that owe is becoming little, but platform or the interest that for fundamental computation according to total capital you need to return.
The value of this word is worth countless little causes, repeat again please read 3 edges.
Not only day cat, still have capital east, of the platform such as Su Ning such playing be consumed in installment.
The city covers a region deep, I should return a country.
2
How should so real interest rate calculate?
A finance should be involved to learn common sense above all here -- time value of the money.
Understand the word of this concept, know where the fault is, if had not heard of, can foolish foolish hold cash to others pocket.
Consider a simple issue first: 1 yuan of today's money and 1 yuan of money tomorrow, whether to have same value?
A lot of people are shutting an eye to be able to say identical, 1 yuan of money won't become 2 yuan again, how not identical.
The person of financial major says to differ certainly, because the money is,have time value.
Say simply, the money that current hold measures certainly, the money waiting for a quantity that obtains than coming has higher value, the value with this higher share is accrual.
The person has time preference, the satisfaction of instant consumption is be more than future to consume generation contented.
That is to say, 1 yuan of present mixes 1 yuan after 1 year, potential economic value is not quits, former should be more than latter.
From the point of the angle of investor, invest even if will come to consumptive remit to, 1 yuan is used at investment first, get time value of the money.
In other words, this also is a kind of compensation of current to sacrifice spending.
So cough up, the computation of specific interest rate, want the money of a reimbursement below different time namely, unified conversion orders the money number below to instantly time, it is good to be compared again.
This is changed do not understand to also have nothing to do with, particular tool can be used, very simple.
It is to use in-house yield (IRR) will calculate, young associate people the meeting is good with in-house yield calculator.
Calculate before in-house yield, the simplest is to use EXCEL form, say an one's innermost thoughts and feelings, more troublesome still.
3
There is simpler method now nevertheless.
Open small letter small order, see next pictures, calculator of search interior yield, OK.
Use commonly type that page quickly.
Initial stage throws a value, namely the total money number that you borrow by right of credit.
Sheet period cash flows, it is the money number that terminally needs to return.
A few does period number have in all namely period.
Terminally span, was January commonly return, this it may not be a bad idea understands.
Expire repayment of capital is used it is good to deny.
See next pictures, qian Ge was calculated mobile phone of this apple on day cat in installment effective interest rate.
Knock blackboard, real simple interest year changing is 13.57% , compound interest is 14.44% , too mad.
Be close to cousin calculative almost year change 2 times of 7.5% , hole dad.
Qian Ge was calculated again Beijing east the rate of real annual interest that goes up to pay in installment with paragraph mobile phone.
Use capital that is to say east white it is in installment 16.27% , want to be less than really.
Su Ning in installment more exaggerative, rate of compound interest annual interest is 22.44% , frightening darling.
Platform is bought to go up in this 3 large networks, day cat is opposite for, still be the cheapest.
Want to know, economy gains year change it is very difficult to can achieve 10% aboves, and these consumption in installment accrual is highest still can achieve 20% above, too firm.
A word, enjoy in installment advantage also has cost.
This is consumed namely in installment the feline be bored with in, if was being understood, after everybody won't again bedding bag road.
PS: Need not say more, final cousin abandoned those who have interest paying in installment, bought with entire section.
