Operation Manual

5: “Time Value of Money”-berekeningen 57
Deel 2. %LMZHONHUHQWHYRHWZRUGWKHWPDDQGHOLMNVWHEHWDOHQEHGUDJPHW
YHUPLQGHUGWRWELMHHQKRRIGVRPYDQ"
Deel 3. $OVGHUHQWHLVHQXSHUPDDQGQLHWPHHUGDQZLOW
EHWDOHQZDWNXQWXGDQPD[LPDDODDQHHQQLHXZHDXWRXLWJHYHQ"
Voorbeeld: Een hypotheek op een huis. 8YLQGWGDWKHWPD[LPDOH
PDDQGHOLMNVHEHGUDJGDWXDDQHHQK\SRWKHHNNXQWXLWJHYHQLV8
NXQWHHQYRRUXLWEHWDOLQJPDNHQYDQHQGHMDDUOLMNVHUHQWHYRHWLV
RSKHWRJHQEOLN$OVXHHQK\SRWKHHNYRRUMDDUNXQWNULMJHQZDW
LVGDQGHPD[LPDOHDDQNRRSSULMVGLHX]LFKNXQWYHURRUORYHQ"
–372,53
9HUPLQGHUWGHEHWDOLQJ
WRYGHHHUGHUEHUHN
HQGH
2,03
%HUHNHQWGHMDDUOLMNVH
UHQWHYRHWYRRUGH
JHUHGXFHHUGHEHWDOLQJ
10,50
6ODDWGHRRU
VSURQNHOLMNHUHQWHYRHW
RS
–375,00
6ODDWGHJHZHQVWH
EHWDOLQJRS
11.537,59
%HUHNHQWKHWWHILQDQ
FLHUHQEHGUDJ
13.037,59
7HOWGHYRRUXLWEHWDOLQJ
RSELMKHWJHILQDQFLHUGH
EHGUDJRPGHWRWDOH
SULMVYDQGHDXWRWHNULM
JHQ
10B.book Page 57 Wednesday, June 28, 2000 3:31 PM