Operation Manual

5: “Time Value of Money”-berekeningen 59
Voorbeeld: Een hypotheek met een ballonbetaling. 8KHEWHHQ
K\SRWKHHNYDQJHNUHJHQYRRUMDDUWHJHQHHQMDDUOLMNVH
UHQWHYRHWYDQ8YRRU]LHWGDWXKHWKXLVQDYLHUMDDU]XOWYHUNRSHQ
HQGHOHQLQJPHWHHQEDOORQEHWDOLQJ]XOWWHUXJEHWDOHQ:DW]DOGH
EDOORQEHWDOLQJ]LMQ"
/RVGLWSUREOHHPRSLQWZHHHWDSSHV
 %HUHNHQGHEHWDOLQJRSGHOHQLQJRSEDVLVYDQHHQWHUPLMQYDQ
MDDU
 %HUHNHQKHWRYHUEOLMYHQGHVDOGRQDYLHUMDDU
Punt 1. %HUHNHQHHUVWGHEHWDOLQJRSGHOHQLQJJHEDVHHUGRSHHQWHUPLMQ
YDQMDDU
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOSHULRGHVSHUMDDU
LQ
300,00
6ODDWGHGXXUYDQGHK\SRWKHHN
RSï PDDQGHQ
0,00
6ODDWKHWVDOGRYDQGHOHQLQJQD
MDDURS
172.500,00
6ODDWKHWVDOGRYDQGH
RRUVSURQNHOLMNHOHQLQJRS
8,80
6ODDWGHMDDUOLMNVHUHQWHYRHWRS
–1.424,06
%HUHNHQWGHPDDQGHOLMNVH
DIEHWDOLQJ
10B.book Page 59 Wednesday, June 28, 2000 3:31 PM