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Functii Financiare

FV
Exemplu
Rata anual a dobnzii
Durata plasamentului (luni)
Valoarea iniial (prezent) a plasamentului
Valoarea lunar a plaii n fiecare perioad
Valoarea viitoare

PMT
Exemplu
Rata anual a dobnzii
Durata mprumutului (ani)
Suma imprumutat
Mrimea lunar a plii :
Costul total al imprumutului
Valoarea total a dobnzii

RATE
Exemplu
Valoare imprumut
Durata imprumutului (ani)
Mrimea lunar a plaii
Dobanda lunar
Dobanda anual

Aplicatie recapitulativa
Tabloul de rambursare a creditelor

Suma imprumutat 15,000 lei


Dobnda anual 12% Valoarea lunara de rambursat
Dobanda lunara 1% Cost imprumut
Durata imprumutului (luni) 6 Valoarea totala a dobanzii

Nr. luni ramase Rest de rambursat Dobnda lunar


6 15,000.00 lei 150.00 lei
5 12,561.77 lei 125.62 lei
4 10,099.17 lei 100.99 lei
3 7,611.93 lei 76.12 lei
2 5,099.83 lei 51.00 lei
1 2,562.60 lei 25.63 lei
0 0.00 lei Err:502
Total 529.35 lei

Numarul de luni pentru rambursarea anticipata


PV Suma de rambursat cu anticipatie

NPER
Exemplu
Rata lunara de rambursat 3,200 lei
Dobanda anuala 18%
Dobanda lunara 1.50%
Suma imprumutata 90,000 lei
Nr. perioade (ani) 3.3
adica luni 39.7

VDB
Valoarea de inventar 100,000 lei
Valoarea reziduala 0
Rata de depreciere 2
Durata normata de utilizare 5
Tip comutator 1
Ani Amortizare Debut
Anul 1 40,000 lei 0
Anul 2 24,000 lei 1
Anul 3 14,400 lei 2
Anul 4 8,640 lei 3
Anul 5 5,184 lei 4
5,184 lei

Valoarea investitiei 170,000 lei


Rata anuala a dobanzii 15%

Intrari de numerar
Anul 1 18,000 lei
Anul 2 24,000 lei
Anul 3 35,000 lei
Anul 4 42,000 lei
Anul 5 48,000 lei
Anul 6 56,000 lei
Total 223,000 lei

Valoarea actuala neta 128,901.16 lei 128,901.16 lei


Diferenta -> -41,098.84 lei =B95-B83
15%
9
25,000 lei
500 lei
-32,689 lei
32,689 lei

16%
5
35,000 lei
-851 lei
51,068 lei
16,068 lei

6,000 lei
2
300 lei
1.51%
18%

reditelor

area lunara de rambursat 2,588.23 lei 3000000

2500000

2000000
3000000

Cost imprumut 15,529.35 lei


oarea totala a dobanzii 529.35 lei 2500000

Rata de plata Total de plata 2000000


2,438.23 lei 2,588.23 lei
2,462.61 lei 2,588.23 lei 1500000
2,487.23 lei 2,588.23 lei
2,512.11 lei 2,588.23 lei 1000000
2,537.23 lei 2,588.23 lei
2,562.60 lei 2,588.23 lei 500000
Err:502 Err:502
15,000.00 lei 15,529.35 lei 0
6 5 4 3

3 Dobandalunara Ra
-7,611.93 lei
Sfrit
1
2
3
4
5
4 3 2 1

Dobandalunara Ratadeplata
TIPURI DE AMORTIZARI

Valoarea de inventar 80,000 lei


Valoarea reziduala 10,000 lei
Suma de amortizat (Val.Inventar - Val. Reziduala) 70,000 lei
Durata normata de functionare (ani) 8
Numarul de luni pe an de utilizare a investitiei 10
Amortizare linear Amortizare degresiv
ada
rio
Pe SLN SYD DB
1 70,000 lei 15,556 lei 15,267 lei
2 35,000 lei 13,611 lei 14,824 lei
3 23,333 lei 11,667 lei 11,429 lei
4 17,500 lei 9,722 lei 8,812 lei
5 14,000 lei 7,778 lei 6,794 lei
6 11,667 lei 5,833 lei 5,238 lei
7 10,000 lei 3,889 lei 4,039 lei
8 8,750 lei 1,944 lei 3,114 lei
Total 8,750 lei 70,000 lei 69,516 lei
Valoare de inventar 100,000 lei
Data punerii n funciune 6/8/2007
Data sfritului primei perioade de amortizare 12/31/2007
Valoare rezidual 0
Rata amortizrii 20%
Comutator ce definete numrul de zile pe an 3

Amortizare lineara Amortizare degresiv


ada
rio
Pe AMORLINC AMORGEGRC
0 11,288 lei 22,575 lei
1 20,000 lei 30,970 lei
2 20,000 lei 18,582 lei
3 20,000 lei 11,149 lei
4 20,000 lei 6,690 lei
5 8,712 lei 0 lei
=AMORLINC($D$26;$D$27;$D$28;$D$29;A40;$D$30;$D$31)
0 lei
Total 100,000 lei 100,001 lei
tizare degresiv

DDB2 DDB3
20,000 lei 30,000 lei
15,000 lei 18,750 lei
11,250 lei 11,719 lei
8,438 lei 7,324 lei
6,328 lei 2,207 lei
4,746 lei 0 lei
3,560 lei 0 lei
679 lei 0 lei
70,000 lei 70,000 lei
Aplicatie recapitulativa
Tabloul de rambursare a creditelor

Suma imprumutat 30,000


Dobnda anual 8.50% Valoarea lunara de rambursat
Dobanda lunara 0.71% Cost imprumut
Durata imprumutului (luni) 240 Valoarea totala a dobanzii

Nr. luni ramase Rest de rambursat Dobnda lunar


4/10/2006 240 30,000 212
5/10/2006 239 29,952 212
6/10/2006 238 29,904 212
7/10/2006 237 29,855 211
8/10/2006 236 29,807 211
9/10/2006 235 29,757 211
10/10/2006 234 29,708 210
11/10/2006 233 29,658 210
12/10/2006 232 29,608 210
1/10/2007 231 29,557 209
2/10/2007 230 29,506 209
3/10/2007 229 29,455 209
4/10/2007 228 29,403 208
5/10/2007 227 29,351 208
6/10/2007 226 29,298 208
7/10/2007 225 29,246 207
8/10/2007 224 29,192 207
9/10/2007 223 29,139 206
10/10/2007 222 29,085 206
11/10/2007 221 29,031 206
12/10/2007 220 28,976 205
1/10/2008 219 28,921 205
2/10/2008 218 28,865 204
3/10/2008 217 28,809 204
4/10/2008 216 28,753 204
5/10/2008 215 28,696 203
6/10/2008 214 28,639 203
7/10/2008 213 28,582 202
8/10/2008 212 28,524 202
9/10/2008 211 28,466 202
10/10/2008 210 28,407 201
11/10/2008 209 28,348 201
12/10/2008 208 28,288 200
1/10/2009 207 28,228 200
2/10/2009 206 28,168 200
3/10/2009 205 28,107 199
4/10/2009 204 28,046 199
5/10/2009 203 27,984 198
6/10/2009 202 27,922 198
7/10/2009 201 27,859 197
8/10/2009 200 27,796 197
9/10/2009 199 27,733 196
10/10/2009 198 27,669 196
11/10/2009 197 27,605 196
12/10/2009 196 27,540 195
1/10/2010 195 27,475 195
2/10/2010 194 27,409 194
3/10/2010 193 27,343 194
4/10/2010 192 27,276 193
5/10/2010 191 27,209 193
6/10/2010 190 27,141 192
7/10/2010 189 27,073 192
8/10/2010 188 27,005 191
9/10/2010 187 26,936 191
10/10/2010 186 26,866 190
11/10/2010 185 26,796 190
12/10/2010 184 26,725 189
1/10/2011 183 26,654 189
2/10/2011 182 26,583 188
3/10/2011 181 26,511 188
4/10/2011 180 26,438 187
5/10/2011 179 26,365 187
6/10/2011 178 26,291 186
7/10/2011 177 26,217 186
8/10/2011 176 26,143 185
9/10/2011 175 26,068 185
10/10/2011 174 25,992 184
11/10/2011 173 25,916 184
12/10/2011 172 25,839 183
1/10/2012 171 25,762 182
2/10/2012 170 25,684 182
3/10/2012 169 25,605 181
4/10/2012 168 25,526 181
5/10/2012 167 25,447 180
6/10/2012 166 25,367 180
7/10/2012 165 25,286 179
8/10/2012 164 25,205 179
9/10/2012 163 25,123 178
10/10/2012 162 25,041 177
11/10/2012 161 24,958 177
12/10/2012 160 24,874 176
1/10/2013 159 24,790 176
2/10/2013 158 24,705 175
3/10/2013 157 24,620 174
4/10/2013 156 24,534 174
5/10/2013 155 24,447 173
6/10/2013 154 24,360 173
7/10/2013 153 24,272 172
8/10/2013 152 24,184 171
9/10/2013 151 24,095 171
10/10/2013 150 24,005 170
11/10/2013 149 23,915 169
12/10/2013 148 23,824 169
1/10/2014 147 23,732 168
2/10/2014 146 23,640 167
3/10/2014 145 23,547 167
4/10/2014 144 23,454 166
5/10/2014 143 23,359 165
6/10/2014 142 23,264 165
7/10/2014 141 23,169 164
8/10/2014 140 23,073 163
9/10/2014 139 22,976 163
10/10/2014 138 22,878 162
11/10/2014 137 22,780 161
12/10/2014 136 22,681 161
1/10/2015 135 22,581 160
2/10/2015 134 22,481 159
3/10/2015 133 22,380 159
4/10/2015 132 22,278 158
5/10/2015 131 22,175 157
6/10/2015 130 22,072 156
7/10/2015 129 21,968 156
8/10/2015 128 21,863 155
9/10/2015 127 21,758 154
10/10/2015 126 21,652 153
11/10/2015 125 21,545 153
12/10/2015 124 21,437 152
1/10/2016 123 21,328 151
2/10/2016 122 21,219 150
3/10/2016 121 21,109 150
4/10/2016 120 20,998 149
5/10/2016 119 20,887 148
6/10/2016 118 20,774 147
7/10/2016 117 20,661 146
8/10/2016 116 20,547 146
9/10/2016 115 20,432 145
10/10/2016 114 20,317 144
11/10/2016 113 20,200 143
12/10/2016 112 20,083 142
1/10/2017 111 19,965 141
2/10/2017 110 19,846 141
3/10/2017 109 19,726 140
4/10/2017 108 19,605 139
5/10/2017 107 19,484 138
6/10/2017 106 19,362 137
7/10/2017 105 19,238 136
8/10/2017 104 19,114 135
9/10/2017 103 18,989 135
10/10/2017 102 18,864 134
11/10/2017 101 18,737 133
12/10/2017 100 18,609 132
1/10/2018 99 18,481 131
2/10/2018 98 18,351 130
3/10/2018 97 18,221 129
4/10/2018 96 18,090 128
5/10/2018 95 17,957 127
6/10/2018 94 17,824 126
7/10/2018 93 17,690 125
8/10/2018 92 17,555 124
9/10/2018 91 17,419 123
10/10/2018 90 17,282 122
11/10/2018 89 17,144 121
12/10/2018 88 17,005 120
1/10/2019 87 16,865 119
2/10/2019 86 16,724 118
3/10/2019 85 16,583 117
4/10/2019 84 16,440 116
5/10/2019 83 16,296 115
6/10/2019 82 16,151 114
7/10/2019 81 16,005 113
8/10/2019 80 15,858 112
9/10/2019 79 15,710 111
10/10/2019 78 15,561 110
11/10/2019 77 15,411 109
12/10/2019 76 15,260 108
1/10/2020 75 15,107 107
2/10/2020 74 14,954 106
3/10/2020 73 14,800 105
4/10/2020 72 14,644 104
5/10/2020 71 14,487 103
6/10/2020 70 14,330 102
7/10/2020 69 14,171 100
8/10/2020 68 14,011 99
9/10/2020 67 13,850 98
10/10/2020 66 13,688 97
11/10/2020 65 13,524 96
12/10/2020 64 13,360 95
1/10/2021 63 13,194 93
2/10/2021 62 13,027 92
3/10/2021 61 12,859 91
4/10/2021 60 12,690 90
5/10/2021 59 12,519 89
6/10/2021 58 12,347 87
7/10/2021 57 12,175 86
8/10/2021 56 12,000 85
9/10/2021 55 11,825 84
10/10/2021 54 11,649 83
11/10/2021 53 11,471 81
12/10/2021 52 11,292 80
1/10/2022 51 11,111 79
2/10/2022 50 10,930 77
3/10/2022 49 10,747 76
4/10/2022 48 10,562 75
5/10/2022 47 10,377 74
6/10/2022 46 10,190 72
7/10/2022 45 10,002 71
8/10/2022 44 9,812 70
9/10/2022 43 9,622 68
10/10/2022 42 9,429 67
11/10/2022 41 9,236 65
12/10/2022 40 9,041 64
1/10/2023 39 8,845 63
2/10/2023 38 8,647 61
3/10/2023 37 8,448 60
4/10/2023 36 8,247 58
5/10/2023 35 8,045 57
6/10/2023 34 7,842 56
7/10/2023 33 7,637 54
8/10/2023 32 7,431 53
9/10/2023 31 7,223 51
10/10/2023 30 7,014 50
11/10/2023 29 6,803 48
12/10/2023 28 6,591 47
1/10/2024 27 6,378 45
2/10/2024 26 6,162 44
3/10/2024 25 5,946 42
4/10/2024 24 5,727 41
5/10/2024 23 5,508 39
6/10/2024 22 5,286 37
7/10/2024 21 5,063 36
8/10/2024 20 4,839 34
9/10/2024 19 4,613 33
10/10/2024 18 4,385 31
11/10/2024 17 4,156 29
12/10/2024 16 3,925 28
1/10/2025 15 3,693 26
2/10/2025 14 3,458 24
3/10/2025 13 3,222 23
4/10/2025 12 2,985 21
5/10/2025 11 2,746 19
6/10/2025 10 2,505 18
7/10/2025 9 2,262 16
8/10/2025 8 2,018 14
9/10/2025 7 1,772 13
10/10/2025 6 1,524 11
11/10/2025 5 1,275 9
12/10/2025 4 1,023 7
1/10/2026 3 770 5
2/10/2026 2 515 4
3/10/2026 1 259 2
4/10/2026 0 0 Err:502
editelor

rea lunara de rambursat 260


Cost imprumut 62,483
oarea totala a dobanzii 32,483

Rata de plata Total de plata


48 260
48 260
49 260
49 260
49 260
50 260
50 260
50 260
51 260
51 260
51 260
52 260
52 260
52 260
53 260
53 260
54 260
54 260
54 260
55 260
55 260
55 260
56 260
56 260
57 260
57 260
57 260
58 260
58 260
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60 260
60 260
60 260
61 260
61 260
62 260
62 260
63 260
63 260
63 260
64 260
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65 260
65 260
66 260
66 260
67 260
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68 260
68 260
69 260
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70 260
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71 260
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72 260
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75 260
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76 260
76 260
77 260
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78 260
78 260
79 260
80 260
80 260
81 260
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82 260
82 260
83 260
84 260
84 260
85 260
85 260
86 260
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91 260
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93 260
94 260
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96 260
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98 260
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100 260
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101 260
102 260
103 260
103 260
104 260
105 260
105 260
106 260
107 260
108 260
109 260
109 260
110 260
111 260
112 260
112 260
113 260
114 260
115 260
116 260
116 260
117 260
118 260
119 260
120 260
121 260
121 260
122 260
123 260
124 260
125 260
126 260
127 260
128 260
129 260
129 260
130 260
131 260
132 260
133 260
134 260
135 260
136 260
137 260
138 260
139 260
140 260
141 260
142 260
143 260
144 260
145 260
146 260
147 260
148 260
149 260
150 260
151 260
152 260
153 260
154 260
156 260
157 260
158 260
159 260
160 260
161 260
162 260
163 260
165 260
166 260
167 260
168 260
169 260
170 260
172 260
173 260
174 260
175 260
177 260
178 260
179 260
180 260
182 260
183 260
184 260
186 260
187 260
188 260
189 260
191 260
192 260
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196 260
198 260
199 260
201 260
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205 260
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209 260
211 260
212 260
214 260
215 260
217 260
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250 260
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253 260
255 260
257 260
259 260
Err:502 Err:502