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¥»©«³Ì«á¥Ñ ²Â¦Ï ©ó 2018-6-28 01:43 ½s¿è
²Â¦Ï µoªí©ó 2018-6-26 16:48
¤@¯ë³Ò¤u¦p¦ó¥H©Ð¾i©Ð¡]¤T¡^
³Ì«á¡A¨Ó¬Ý¬Ý§ï¦¨§ë¸êªÑ²¼ªº±¡§Î¡C
¤@¯ë³Ò¤u¦p¦ó¥H©Ð¾i©Ð¡]¥|¡^§ó¹ê»Úªºª©¥»
§â©Ð²£¡B©Ð¶U±ø¥ó³]ÄY®æ¤@ÂI¡A
¦A¨Ó¬Ý¬Ý¤@¯ë³Ò¤u¡u¥H©Ð¾i©Ð¡vªº¥i¦æ©Ê¡C
Åܧó©Ð«Î¼WȲv¬° 4%¡A¶U´Ú§Q²v¬° 3%¡A¶U´Ú 7¦¨¡C
©Ð¯²³ø¹S²v 2¢H¥ª¥k¡A¨ú©Ð¯²¾ã¼Æ¡C
ÁʫΫe¡A¨C¤ëÁ~¸êÂùÁ~¦@ 60000¤¸¡A¤ä¥X 30000¤¸¡AÀx»W 30000¤¸¡C
°²©w 22·³¤j¾Ç²¦·~¶}©l¤u§@¡A¤w¸gÀx»W 4¦~¾l¡A¾Ö¦³ 150¸U¤¸¡C
¡]¡u§V¤OÀx»W¡v¬O³oÓpµeªº¥ý¨M±ø¥ó¡A
¬G°²©w¨C¤ëÀx»W 3¸U¤¸¡A¶U´ÚÁʶR²Ä¤@¶¡©Ð«Î¤§«áÁÙ¦³Àx»W¡C¡^
--------------------
²Ä 4¦~ 26·³¡A
¶R²Ä¤@¶¡©Ð«ÎÁ`»ù 500¸U¤¸¡A©W¼Æ 30©W¡C
¦Û³Æ´Ú 150¸U¤¸¡C
¶U´Ú 7¦¨ 350¸U¡A§Q²v 3%¡A¶U´Ú 20¦~¡A¨C¤ë¤ÀÅu¥»§Q 19411¤¸¡C
¨C¤ë²bÀx»W 30000 - 19411 = ¬ù 10000¤¸¡C
¡]°²©wÁ~¸ê¼Wªø¡A©è¾Pª«»ù«ü¼Æ¼Wªø¡C¨C¤ëÀx»W¤£ÅÜ¡C¡^
¨ì²Ä 14¦~¡A¸g¹L 10¦~¡C
Àx»W 10000¤¸ x 120¤ë = 120¸U¤¸¡C
²Ä¤@¶¡©Ð«Î©Ð¶U 350¸U¥u³Ñ 10¦~¡C
¤wú 10¦~¡A¥»ª÷¾lÃB 201¸U¤¸¡AÁÙ¥» 149¸U¤¸¡C
©Ð«Î¨C¦~¼WÈ 4%¡A10¦~¼WȨìÁ`»ù 740¸U¤¸¡C
¥i¼W¶U 740¸U x 7¦¨ - 201¸U = 317¸U¤¸¡C¡]´£°ªÄw¸ê¯à¤O¡^
--------------------
²Ä 14¦~ 36·³¡A
¶R²Ä¤G¶¡©Ð«Î¡AÁ`»ù 400¸U¤¸¡A©W¼Æ´î¬° 30©W x 400¸U / 740¸U = 16.2©W¡C
¦Û³Æ´Ú 120¸U¤¸¡C
¶U´Ú 280¸U¡]¦³¯à¤O¡^¡A§Q²v 3%¡A¶U´Ú 20¦~¡A¨C¤ë¤ÀÅu¥»§Q 15529¤¸¡C
²Ä¤G¶¡©Ð«Î¤ë¯² 400¸U x 2% / 12¤ë = ¬ù 7000¤¸¡C
¨C¤ë²bÀx»W 30000 + 7000 - 19411 - 15529 = ¬ù 2000¤¸¡C
¨ì²Ä 24¦~¡A¤S¸g¹L 10¦~¡C
Àx»W 2000¤¸ x 120¤ë = 24¸U¤¸¡C
²Ä¤@¶¡©Ð«Î©жU 350¸Uú²M¡A²Ä¤@¶¡©Ð«Î¼W¶U 280¸U¥u³Ñ 10¦~¡C
²Ä¤G¶¡©Ð«ÎµL¶U´Ú¡C
²Ä¤@¶¡©Ð«Î¥Ñ 740¸U¤¸¼WȨì 1095¸U¤¸¡C
©жU 400¸Uú²M¡A¼W¶U 280¸U¤wú 10¦~¡A¥»ª÷¾lÃB 161¸U¤¸¡AÁÙ¥» 119¸U¤¸¡C
¥i¼W¶U 1095¸U x 7¦¨ - 161¸U = 605¸U¤¸¡C¡]´£°ªÄw¸ê¯à¤O¡^
²Ä¤G¶¡©Ð«Î¥Ñ 400¸U¤¸¼WȨì 592¸U¤¸¡C
¥i¼W¶U 592¸U x 7¦¨ = 415¸U¤¸¡C¡]´£°ªÄw¸ê¯à¤O¡^
¦]¦³¤G¶¡©Ð«Î¡A²Ä¤T¶¡©Ð«Î¥i¥þÃB¶U´Ú 10¦¨¡C¡]´£°ª§ë¸ê¯à¤O¡^
--------------------
²Ä 24¦~ 46·³¡A
¶R²Ä¤T¶¡©Ð«Î¡AÁ`»ù 600¸U¤¸¡A©W¼Æ¬° 30©W x 600¸U / 1095¸U = 16.4©W¡C¡]©W¼Æ¨S¦³§ó¤Ö¡^
¶U´Ú 600¸U¡]¦³¯à¤O¡^¡A§Q²v 3%¡A¶U´Ú 20¦~¡A¨C¤ë¤ÀÅu¥»§Q 33276¤¸¡C
²Ä¤T¶¡©Ð«Î¤ë¯² 600¸U x 2% / 12¤ë = 10000¤¸¡C
²Ä 25-34¦~ 56·³¡]10¦~¡^¡A²Ä¤@¶¡©Ð«Î©жU 400¸Uú²M¡C
¨C¤ë²b¤ä¥X 30000 + 7000 + 10000 - 15529 - 33276 = -1805¤¸¡A
10¦~²b¤ä¥X 1805 x 120¤ë = 22¸U¤¸¡A¥Ñ«e 10¦~Àx»W 24¸U¤ä¥I¡C
²Ä 35-43¦~ 65·³°h¥ð¡]9¦~¡^¡A²Ä¤@¶¡©Ð«Î¼W¶U 280¸Uú²M¡A²Ä¤@¶¡©Ð«Î¦A¼W¶U 600¸U¤wú 10¦~¡C
¨C¤ë²bµ²¾l 30000 + 7000 + 10000 - 33276 = 13724¤¸¡A
9¦~²bµ²¾l 13724 x 108¤ë = 148¸U¤¸¡A¥Î¨Ó¤ä¥I³Ì«á 1¦~¶U´Ú¡C
²Ä 44¦~ 66·³°h¥ð«á 1¦~¡]1¦~¡^¡AµLÁ~¸ê¡A¥Ñ°h¥ðª÷´£¨Ñ¤é±`®ø¶O¡A¤£pºâ¡C
¨C¤ë²b¤ä¥X 7000 + 10000 - 33276 = -16276¤¸¡A
1¦~²b¤ä¥X 16276 x 12¤ë = 20¸U¤¸¡C
¦Xp²{ª÷³Ñ¾l (24¸U - 22¸U) + 148¸U - 20¸U = 130¸U¡C
°h¥ð«á²Ä 1¦~ 66·³¡AÁٳѲ{ª÷ 130¸U¡A¨C¤ë¥i¥Î 130 / 12 = 10.3¸U¡C
³o³¡¤ÀY¥ý¨C¤ë¯d¤U©Ð¯² 1.7¸U¡A¦©±¼ 1¦~ 1.7 x 12 = 20.4¸U¡A
³Ñ¤U 130 - 20.4 = 109.6¸U¡A§ë¸ê´Þ§Q²v 6%ªÑ²¼¡A¨C¤ë¥i»âªÑ§Q¡G
109.6¸U x 6% / 12 = 0.548¸U¡C
--------------------
²Ä 44¦~ 66·³¤§«á¡G
¤T¶¡©Ð«Î¶U´Ú³£¤wú²M¡A¨C¤ëÁÙ¦³©Ð¯²¦¬¤J 7000 + 10000 = 1.7¸U¡C
¥[¤W 130 - 1.7 x 12 = 109.6¸U§ë¸êªÑ²¼ªº¤ëªÑ§Q 0.548¸U¡A¦Xp 2.248¸U¤¸¡C
ÁÙ¦³¤T¶¡©Ð²£¡G
²Ä¤@¶¡ 30©W 1095¸U x 1.04^20 = 2399¸U¡A
²Ä¤G¶¡ 16.2©W 592¸U x 1.04^20 = 1297¸U¡A
²Ä¤T¶¡ 16.4©W 600¸U x 1.04^20 = 1315¸U¡A¦Xp 5011¸U¤¸¡C
--------------------
¤@¯ë³Ò¤u´«¦¨¡u§ë¸êªÑ²¼¡v¡G
²Ä 4¦~ 26·³¡A¤w¸gÀx»W 150¸U¤¸¡C
²Ä 5¦~¨ì²Ä 43¦~¡]65·³°h¥ð¡^¡A
¨C¤ë©Ð¯² 30©W 15000¤¸¡A©Ð¯²º¦»ù©¿²¤¡C
¨C¤ë²bÀx»W 30000 - 15000 = 15000¤¸¡A¨C¦~²bÀx»W 15000 x 12 = 18¸U¤¸¡C
°²©w¼eÃP¤@ÂI¡AªÑ¥«´Þ§Q²v 6¢H¡A¨C¦~µo¤@¦¸ªÑ§Q¡A¦~½Æ§Qµ²ªG¡G
150¸U x 1.06^39 + 18¸U x (1.06^38 + 1.06^37 + ... + 1.06^2 + 1.06^1 + 1.06^0)
= (150 - 18) x 1.06^39 + 18 x (1.06^39 + 1.06^38 + 1.06^37 + ... + 1.06^2 + 1.06^1 + 1.06^0)
= 132 x 1.06^39 + 18 x [(1.06^40 - 1) / (1.06 - 1)]
= 1280.9 + 2785.7 = 4066.6¸U¤¸¡C
¨ì°h¥ð«á 1¦~¡]66·³¡^¡A¦A½Æ§Q 1¦¸¡G
4066.6 x 1.06^1 = 4311¸U¤¸¡C
¥Ñì©l 150¸U + 18¸U x 39¦~ = 852¸U¤¸¡A½Æ§Q¬° 4311¸U¤¸¡C
°£¤FªÑ²¼¥«È 4311¸U¤¸¡AÁÙ¦³ªÑ§Q¡G
4311¸U x 6% / 12¤ë = 258.66¸U / 12¤ë = ¨C¤ëªÑ§Q 21.56¸U¤¸
µL©Ð²£¡AÄ~Äò¯²©Ð¤l¡A¦©±¼¨C¤ë©Ð¯² 15000 = ¨C¤ë²bªÑ§Q 20¸U¤¸¡C
--------------------
¤@¯ë³Ò¤u¡u¥H©Ð¾i©Ð¡v¡A¤£¦ý¤ñ¡u§ë¸êªÑ²¼¡v¡u¦³§Q¡v¡G
©Ð²£¡]¦~¼WÈ 4%¡A§Q²v 3%¡A©Ð¯²§ë³ø²v 2%¡^¥«È 5011¸U¡A¤ë¦¬¤J 2.248¸U¡A¦³¦Û¦í©Ð«Î¡C
ªÑ²¼¡]¦~´Þ§Q²v 6¢H¡^¥«È 4311¸U¡A¤ë²bªÑ§Q 20¸U¡An¯²©Ð¤l¡C
¡]þºØ§ë¸ê¤èªk¤ñ¸û¦³§Q¡H¥¿½Tªº¤ñ¸û¤èªk¬O¡G
°h¥ð«á 1¦~ 66·³¡A§â¡u¥H©Ð¾i©Ð¡vªº¤T¶¡©Ð²£Åܲ{ 5011¸U + 109.6¸U¡A¥þ¼Æ§ë¤JªÑ²¼¡A
©M¡u§ë¸êªÑ²¼¡v¤@¼Ë¶}©l¯²©Ð¤l¡A¤ë¯² 15000¤¸¡C
¨C¤ëªÑ§Q¬O 5120.6¸U x 6% / 12 = 307.236¸U / 12 = 25.6¸U¤¸¡A
¨C¤ë²bªÑ§Q¬O 25.6¸U - 15000 = 24.1¸U¤¸¡A°ª©ó¡u§ë¸êªÑ²¼¡vªº 20¸U¤¸¡C¡^
¥Ñªø´Á¬Ý¡A¡u¥H©Ð¾i©Ð¡v¤]¬O¤ñ¸û¡u¦wávªº¡G
¥un§ë¸ê 3¦¸¡A¦pªG©Ð¦a²£±Y¶^¡A©Ð²£§t¤g¦a¬O¡u¹êÅé¡vªº¶]¤£±¼¡A
n§ë¸ê 40¦¸¡A¦pªGªÑ¥«±Y¶^¡A¤½¥q¥i¯à¡u¤U¥«¡v¡AªÑ²¼¥i¯àÅÜ¡u¾À¯È¡v¡C
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