Anualidades Eq 2

Gaohozhs Mjprmshrahlms Mjprmshrahlms  

Wallmchs Ohvhrrmtm [noah ;KW8

Houhlafhfms Mquapn9

Azquamrfn Whlmrah Èvalh Iuèrmz Hlmxas Hrhjas Ravmrh Tnokm Mrae Moraqum Tármz @mroèofmz Mrake Kmshr 

 

 Fmgaoakaûo9 ]oh houhlafhf ms uo hkumrfn fm uoh pmrsnoh u nrchoazhkaûo fm phchr h ntrh  pmrsnoh uoh smram fm kunths.

 

¾Kûjn guokanoho> Lhs houhlafhfms mstèo pmoshfhs phrh prnpnrkanohr mstns aocrmsns jmfahotm uo prnkmsn fm hkujulhkaûo y houhlazhkaûo n, mo ml khsn fm houhlafhfms aojmfahths, phcns fm pnr vafh chrhotazhfns pnr lh knjphøêh fm smcurns qum knjamozho hl jms fm lh knjprh, sao omkmsafhf fm uoh ghsm fm hkujulhkaûo.

 

 Mxplakhkaûo •

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Tmranfn fm rmvasaûo Klhusulhs hfakanohlms Bmomgakahrans Vhraghs y knjasanoms Ajpumstns

 

 Mlmjmotns •

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Rmoth Tmranfn fm phcn fm rmoth Tlhzn fm lh houhlafhf Vhsh fm lh houhlafhf

 

  afmn

 

Vapns Va pns fm houhlafhfms

Vapns fm Houhlafhfms9 • Wmokafhs Wmokafhs •Hotakaphfhs •Fagmrafhs •Tmrpmtuhs

 

 Houhlafhf vmokafh

Houhlafhfms llhjh houhlafhf fnofm ml phcnWmokafhs sm `hkm hl9 [m gaohl fml pmrênfn fm vmokafh phcn. h hqumllh mo

 

 Mimjpln fm Houhlafhfms Houhlafhfms vmokafhs9

Ml jmosuhlfm fm uo uo vm`êkuln mjplmhfn,n lhs jmosuhlms acuhlms y vmokafhs mo shlhran lh hfquasakaûo fm kunths mlmktrnfnjástakn pnr ml sastmjh fm gaohokahkaûo, mtk.

 

Mimjpln 89 Furhotm uo høn y jmfan sm `hkmo fmpûsatns pnr jms vmokafns fm $82.444 uonlhmosujh uoh tnthl aostatukaûo fm h`nrrn phch aotmrás fm ;% jmosuhl. khfh Khlkulm hkujulhfh mo lhs qum kumoth fm uo h`nrrn hl gaohl fm mstm pmrênfn.

 

Mimjpln 29 Ml kursn fm hfjaoastrhkaûo fm mjprmsh fmkafm fmpnsathr mo uoh kumoth fm h`nrrn furhotm 87 jmsms pnr uo vhlnr mquavhlmotm h $6=.2=4 khfh gao fm jms phrh rmhlazhr uoh fmspmfafh h lns hlujons mcrmshfns. [a lh motafhf gaohokamrh phch pnr lns fmpûsatns 82 % fm aotmrás mgmktavn trajmstrhl. Kuhotn faomrn sm rmùom hl gaohl fml pmrênfn

 

Whlnr Trmsmotm fm lh Houhlafhf Wmokafh

 

Mimjpln9 @hllhr ml vhlnr knothfn fm uo hrtêkuln qum h kráfatn sm hfquamrm kunthsuofmaotmrás $24.444 pnr jms vmokafn, shbamofn kno qum 80 sm knbrh fmlkhfh 2,=%uoh jmosuhl. Khlkulhr ml vhlnr prmsmotm.

 

Kèlkuln fm Houhlafhf Wmokafh kno rmspmktn hl Guturn9

Fm hkumrfn h lh mkuhkaûo qum fmtmrjaoh ml vhlnr guturn kno rmspmktn h lh houhlafhf, fmspmihofn lh houhlafhf tmomjns9

Mimjpln9 [m fmbm rmuoar $0=4.444 fmotrn fm fns høns. Kno thl gao sm fmkafm `hkmr fmpûsatns acuhlms pnr jms vmokafns mo uoh aostatukaûo qum  phch 2,7=% jmosuhl. @hllhr ml vhlnr fm lns fmpûsatns. Rmsulthfn9 Rmsulthfn9 H : $ 2=.312

 

Kèlkuln fm Houhlafhf Wmokafh kno rmspmktn hl Whlnr Trmsmotm9

Mimjpln 89 ]o tmlmvasnr tamom uo prmkan hl knothfn fm $7;.=44. [m fmsmh hfquarar h kráfatn hsê9 uoh kunth aoakahl fm $8=.444 y ml rmstn gaohokahr mo 80 jmsms n kunths jmosuhlms acuhlms. [a lh thsh fm aotmrás qum sm knbrh pnr lh gaohokahkaûo ms fm ;% jmosuhl, `hllhr ml vhlnr fm lhs kunths . Rmsulthfn H : $;.=27,;3

 

Mimrkakan9 ]oh knjphøêh fmpnsath hl praokapan fm khfh høn $24.444 fûlhrms mo uoh kumoth fm h`nrrns qum hbnoh 3% fm aotmrmsms houhl. H kuèotn hskmofmrèo lns fmpûsatns hl khbn fm = høns> Fabuihr fahcrhjh fm gluin fm khih.

 

 Houhlafhfms Hotakaphfhs Mo lns omcnkans, ms grmkumotm qum lns phcns pmraûfakns sm mgmktùmo hl knjamozn fm khfh pmrênfn ( Houhlafhf Hotakaphfh )5 thl ms ml khsn fm lh rmoth fm tmrrmons, mfagakans , ngakaohs y kuyn hlqualmr sm phch hl praokapan fm khfh  pmrênfn. Ntrns mimjplns sno9 smcurns fm bamoms mo cmomrhl, smcurns fm vafh, mtk.

 

Whlnr Trmsmotm fm uoh Houhlafhf Hotakaphfh9

 

 Houhlafhfms Fagmrafhs Fagmrafhs Mo lns omcnkans, ms grmkumotm qum hlcuohs karkuosthokahs nblacumo h qum lns  prajmrns pmrênfns fm phcn knjamokm mo uoh gmk`h guturh, `hsth fmspuás fm trhoskurrafn tamjpn fmsfm ml jnjmotn aoakahl fm knovmoan. Ms Mo fmkar, lh gmk`h aoakahl kamrtn fm lh houhlafhf on knaokafm kno lh gmk`hn fml prajmr phcn. mstns khsns, sm fakm qum lh houhlafhf ms fagmrafh. Thrh ml kèlkuln fm lns vhlnrms fm lhs houhlafhfms fagmrafhs on sm rmquamrmo oumvhs gûrjulhs. Thrh fmshrrnllhr mstm tapn fm prnblmjhs ms omkmshran hohlazhr lns  prnblmjhs utalazhofn fahcrhjhs qum lm pmrjath fmtmrjaohr fmtmrjaohr,, kuafhfnshjmotm, ml tamjpn fagmrafn y ml tamjpn fm phcn, phrh lumcn plhotmhr lhs mkuhkanoms fm mquavhlmokah qum knofukmo h lh knrrmkth snlukaûo.

 

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]oh hsnkahkaûo lmcû h uo @nspathl 8 jallûo fm pmsns jmosuhlms furhotm ; høns. [a ml  prajmr phcn sm mgmktùh mo 2 høns y lh thsh fm aotmrás fml 60% kno khpathlazhkaûo houhl, Fmtmrjaoh ml ajpnrtm tnthl fml lmchfn. Gnrjulh9 Fhtns9 T: >   H:8,444,444   a:60%:60/82:6% jmosuhl o:;7 jmsms e:2; jmsms T:

T: 80140208.1=;73*4.64=32 T : $3,738,670.14

 

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Khlkulhr ml vhlnr hktuhl fm uoh rmoth fm $=.444 smjmstrhlms, sa ml prajmr phcn fmbm rmkabarsm fmotrn fm 2 høns, y ml ùltajn fmotrn fm 7 høns, sa lh thsh fm aotmrás ms fm 0% onjaohl khpathlazhblm houhljmotm. Gnrjulh9 Fhtns9 T: >   H:=,444   a:0%/2:4.40/2:4.46:6 a:0%/2:4.40/2:4.46:6% % smjmstrhl   o:1 smjmstrms e:; smjmstrms T:

T: ;3837.7=*4.00011 T : $;;,461.18

 

 Houhlafhfms Tmrpmtuhs Tmrpmtuhs

Mo lns omcnkans, ms grmkumotm qum kamrths rmoths, shlvn sukmsns ajprmvastns, sm  phcumo aofmgaoafhjmotm. Motrm juk`hs ntrhs, lhs rmoths qum sm phcho h pmrpmtuafhf sno rmoth fm uo tmrrmon, lns lmchfns pnr aostatukanoms fm bmomgakmokahs, lns favafmofns snbrm hkkanoms prmgmrmotms, lhs sujhs qum ms omkmshran rmsmrvhr khfh høn  phrh prnvmmr lh rmpnsakaûo fm uo pumotm, pumotm, mtk. Fmgaoakaûo9 ]oh rmoth pmrpmtuh ms uoh houhlafhf kuyn plhzn on tamom gao.

 

[m fmfukm qum ml vhlnr prmsmotm fm lh rmoth pmrpmtuh ms hqumllh khotafhf p qum, mo uo pmrênfn,  prnfukm knjn aotmrmsms lh sujh H, n smh9 H : T * a5 fm fnofm Ml ghktnr 8/a : (T/H, a%, ∟ ), ms ml vhlnr prmsmotm fm uoh rmoth  pmrpmtuh vmokafh vmokafh fm uoh uoafhf uoafhf jnomthrah jnomthrah pnr pmrênfn, h lh thsh a pnr pmrênfn.

 

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Rnss Klhre fmsmh guofhr uoh khtmfrhl fm gaohozhs mo su uoavmrsafhf. Lh aostatukaûo lm aofakn qum rmquamrm rmquamrm phchr uoh rmoth fm $244,444 ppmsns msns houhlms phrh j jhotmomr hotmomr lh khtmfrh5 supnoamofn uo aotmrás fml 84% houhl. Fmtmrjaom ml vhlnr prmsmotm fm lh rmoth. Gnrjulh9

Fhtns9 T: >   H:244,444 a:84% houhl T:

T : $2,444,444

 

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Insá tamom uoh aovmrsaûo fm $74,444 qum lm rmoth uo aotmrás mgmktavn houhl fml ;% ¾Xuá khotafhf fm faomrn pnfrè rmtarhr Insá hl gaohl fm khfh høn h pmrpmtuafhf Gnrjulh9 Thrh mstm mimjpln utalazhrmjns9 H:T*a H:T*a

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Fhtns9 T:   H:>$74,444 a:;% houhl H:

  H: $8,044

 

Wafmn mxplakhtavn9

 

 Bmomgakans •

Hplhzhjamotn fm ajpumstns snbrm lhs chohokahs fm aovmrsaûo.

Juk`hs aovmrsanoms fmbmo phchr ajpumstn høn trhs høn, pmrn lhs chohokahs fm aovmrsaûo ‛chohokahs fm khpathl m aocrmsn fm aovmrsaûo‛ mo lhs houhlafhfms on sno thshblms `hsth qum ustmf rmtarh ml faomrn. •

Vrhosgmrmokahs labrms fm ajpumstn motrm npkanoms fm aovmrsaûo

Mo knotrhstm kno lns gnofns jutuhlms y ntrhs aovmrsanoms `mk`hs kno “faomrn fmspuás fm ajpumstns‚, kno lhs houhlafhfms on `hy knosmkumokahs fm ajpumstns sa sm khjbah lh gnrjh fm aovmrtar ml gnofn. •

Lhs párfafhs cmomrhljmotm sm jaoajazho.

Kuhlquamr aovmrsaûo knollmvh lh pnsabalafhf fm párfafhs. [ao mjbhrcn mshs párfafhs sm msthblmkmo mo uo kamrtn oavml. Lh jhynrêh fm lhs hsmcurhfnrhs onrjhljmotm pnsmmrèo hlrmfmfnr fml 03% fm lh  prajh phchfh pnr ml aovmrsanoasth y `hy uo lêjatm fm thsh fm aotmrás fml ;% snbrm msm jnotn fm  prajh.

 

 Fmsvmothihs •

[m tamom hkkmsn lajathfn hl faomrn.

Juk`hs houhlafhfms tamomo uo pmrênfn fm khokmlhkaûo, furhotm ml kuhl on pumfm rmtarhr faomrn sao aokurrar mo hlths thraghs. Q uoh vmz qum mlaih knjmozhr h rmkabar phcns fm houhlafhfms fm su aovmrsaûo, juk`hs mjprmshs yh on lm pmrjatarèo rmtarhr faomrn fm su kumoth. Tnr ln thotn, snln tmofrè hkkmsn h lns phcns fm houhlafhfms yh  prncrhjhfns. •

Tumfmo vmoar kno thraghs y julths.

Juk`hs houhlafhfms tamomo thraghs hfiuoths qum pumfmo jaoajazhr ml rmofajamotn qum nbtamom fm su aovmrsaûo. Hlcuons pumfmo smr9 Khrcns pnr rmskhtm, sa rmtarh su faomrn furhotm ml pmrênfn fm rmskhtm, Kunths hfjaoastrhtavhs hfjaoastrhtavhs,, Vhraghs hfakanohl hfakanohlms. ms. •

[no knjplmins

[mcùo Jmooaocmr, juk`ns knosujafnrms tamomo fagakulthfms phrh knjprmofmr lhs houhlafhfms aoklusn fmspuás fm `hbmrlhs mxplakhfn. Lns tárjaons fm phcn h jmoufn vhrêho smcùo kûjn y kuèofn fmkafh rmtarhr su faomrn. Q ml rmofajamotn rmhl fm su aovmrsaûo pumfm smr fagêkal fm mvhluhr fmbafn h lhs thraghs hsnkahfhs kno ml prnfuktn.

 

 Rhznoms phrh knosafmrhr knosafmrhr uoh houhlafhf  houhlafhf 

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Tumfmo knjplmjmothr sus plhoms fm h`nrrn y fm aovmrsaûo phrh ml rmtarn. Trntmkkaûo fml khpathl. Hiustms pnr aoglhkaûo. Krmkajamotn kno ajpumstns fagmrafns.

 

Gumotms fm aognrjhkaûo

[. (2428, ; smptamjbrm). Houhlafhfms9 prns y knotrhs. Omcnkans Rmothblms @asphons. `ttps9//omcnkansrmothblms` kansrmothblms`asphons.knj/ho asphons.knj/houhlafhfms-prns-kn uhlafhfms-prns-knotrhs/ otrhs/ `ttps9//omcn Hoouaty.nrc. (2428, 2 hcnstn). Houhlafhfms - Xuá [no, Kûjn Guokanoho y Fagmrmotms Vapns. `ttps9//www.hoouaty.nrc/ms/houhlafhfms/ Aosurhokm aognrjhtano aosatutm. (2424). ¾Xuá ms uoh houhlafhf> | AAA. aaa.nrc. Rmkupmrhfn aklm/qum-ms-uoh-houhlafhf -houhlafhf 2428, fm `ttps9//www.aaa.nrc/ms/hrt `ttps9//www.aaa.nrc/ms/hrtaklm/qum-ms-uoh Smstrmak`mr, C. (2428, 3 hbral). `ttps9//mknon `ttps9//mknonjapmfah.knj/fmga japmfah.knj/fmgaoakanoms/hou oakanoms/houhlafhf.`tjl hlafhf.`tjl

Houhlafhf.

Mknonjapmfah.

Vmxhs fmphrtjmot ng aosurhokm. (2483). Motmofamofn Houhlafhfms | Vmxhs Lhw @mlp. Vmxhs Lhw @mlp. `ttps9//tmxhs `ttps9//tmxhslhw`mlp.nrc/ lhw`mlp.nrc/ms/hrtakuln/mot ms/hrtakuln/motmofamofn-hou mofamofn-houhlafhfms hlafhfms