רÏîծȯ»Ø±¨ÂÊÔõôË㣨ծȯƽ¾ùÊÕÒæÂʼÆË㹫ʽ£©

Åä×ʳ´¹É 2025-08-19 10:55³´¹ÉÅä×Êwww.xyhndec.cn

ծȯµÄʵ¼ÊÊÕÒæÂʼÆËãÖ¸ÄÏ´ÓÈëÃŵ½¾«Í¨

Ò»¡¢Õ®È¯ÊÕÒæÂʵĻù´¡ÖªÊ¶

ծȯ£¬×÷ΪһÖÖ½ðÈÚÆõÔ¼£¬ÊǽèÕ®ÈËÓëͶ×ÊÕßÖ®¼äµÄծȨծÎñƾ֤¡£¶ÔÓÚͶ×ÊÕßÀ´Ëµ£¬Á˽âÈçºÎ¼ÆËãծȯµÄʵ¼ÊÊÕÒæÂÊÖÁ¹ØÖØÒª¡£Õ®È¯ÊÕÒæÂʵļÆË㹫ʽΪ£º£¨µ½ÆÚ±¾Ï¢ºÍ-·¢Ðм۸ñ£©/£¨·¢Ðм۸ñ¡Á³¥»¹ÆÚÏÞ£©¡Á100%¡£

¶þ¡¢Õ®È¯µÄʵ¼ÊÊÕÒæÂʼÆËã

¶ÔÓÚͶ×ÊÕßÀ´Ëµ£¬Õ®È¯µÄʵ¼ÊÊÕÒæÂÊ·´Ó³ÁËͶ×ÊծȯµÄÕæÊµ»Ø±¨¡£³ýÁËÉÏÊö»ù±¾¹«Ê½Í⣬»¹ÐèÒª¿¼ÂÇծȯÔÚ³ÖÓÐÆÚ¼äµÄתÈÃÇé¿ö¡£ÒÔÏÂÊDz»Í¬½ÇÉ«µÄÊÕÒæÂʼÆË㹫ʽ£º

1. ծȯ³öÊÛÕßµÄÊÕÒæÂÊ = £¨Âô³ö¼Û¸ñ-·¢Ðм۸ñ+³ÖÓÐÆÚ¼äµÄÀûÏ¢£©/£¨·¢Ðм۸ñ¡Á³ÖÓÐÄêÏÞ£©¡Á100%¡£

2. ծȯ¹ºÂòÕßµÄÊÕÒæÂÊ = £¨µ½ÆÚ±¾Ï¢ºÍ-ÂòÈë¼Û¸ñ£©/£¨ÂòÈë¼Û¸ñ¡ÁÊ£ÓàÆÚÏÞ£©¡Á100%¡£

3. ծȯ³ÖÓÐÆÚ¼äµÄÊÕÒæÂÊ = £¨Âô³ö¼Û¸ñ-ÂòÈë¼Û¸ñ+³ÖÓÐÆÚ¼äµÄÀûÏ¢£©/£¨ÂòÈë¼Û¸ñ¡Á³ÖÓÐÄêÏÞ£©¡Á100%¡£

Èý¡¢¹úÕ®µÄÊÕÒæÂʼÆËã

¹úÕ®µÄÊÕÒæÂʼÆËãÓëծȯÀàËÆ¡£ÒÔ¾ßÌåÀý×***µÃ÷£¬¼ÙÉèͶ×ÊÕß¹ºÂòÁËÒ»¶¨ÃæÖµºÍÀûÂʵĹúÕ®£¬²¢³ÖÓе½ÆÚ»ò½øÐÐÂòÂô£¬¶¼¿ÉÒÔͨ¹ýÏàÓ¦µÄ¹«Ê½¼ÆËãÊÕÒæÂÊ¡£

ËÄ¡¢Õ®È¯ÊÕÒæµÄ¼ÆËã·½·¨

³ýÁË»ù±¾µÄÀûÏ¢ÊÕÈ룬ծȯÊÕÒæ»¹°üÀ¨ÂòÂôÓ¯¿÷²î¼Û¡£Õ®È¯ÊÕÒæ¼ÆËã²»½öÒª¿¼ÂÇÆ±ÃæÀûÂʺÍÃæÖµ£¬»¹Òª¿¼ÂÇծȯµÄÂòÂô²î¼Û¡£¸´ÀûÊÕÒæÂʵļÆËãÔò½øÒ»²½¿¼ÂÇÁ˰ѻñµÃµÄÀûÏ¢½øÐÐÔÙͶ×ʵÄÒòËØ¡£ÀýÈ磬ijÈ˹ºÂòծȯ²¢ÔÚ³ÖÓÐÆÚ¼äÂô³ö£¬ÆäÊÕÒæ²»½ö°üÀ¨ÂòÂô²î¼Û£¬»¹°üÀ¨³ÖÓÐÆÚ¼äµÄÀûÏ¢ÒÔ¼°¿ÉÄܵÄÔÙͶ×ÊÊÕÒæ¡£¾ßÌåµÄÊÕÒæ¼ÆË㻹ÐèÒª½áºÏʵ¼ÊÇé¿öºÍÊг¡±ä¶¯½øÐп¼ÂÇ¡£ÈçÐè׼ȷ¼ÆËãijֻ¹úÕ®µÄÊÕÒæÂÊ£¬½¨ÒéÖ±½ÓÁªÏµÒøÐпͷþ»ò²éÔÄÏà¹Ø¹Ù·½¹«¸æ¡£

Îå¡¢×ܽáÓ뽨Òé

ÀûËæ±¾Çå´¢Ðî¹úÕ®£¨µç×Óʽ£©µÄ¼ÆÏ¢°ÂÃØ

¶ÔÓÚ³õ´ÎÉæ×ãծȯÁìÓòµÄͶ×ÊÕßÀ´Ëµ£¬Á˽âÈçºÎ¼ÆËãծȯµÄÊÕÒæÂÊÊÇÖÁ¹ØÖØÒªµÄÒ»²½¡£±¾ÎĽ«´øÄãÉîÈëÁ˽âÀûËæ±¾Çå´¢Ðî¹úÕ®£¨µç×Óʽ£©µÄ¼ÆÏ¢¹«Ê½£¬²¢½ÒʾծȯÊÕÒæÂʵļÆËã·½·¨¡£

Ò»¡¢ÀûËæ±¾Çå´¢Ðî¹úÕ®£¨µç×Óʽ£©µÄ¼ÆÏ¢¹«Ê½½éÉÜ

µ½ÆÚÒ»´Î¸¶Ï¢¶î£¨Ôª£©= ³ÖÓÐ×ÜÃæÖµ½ð¶î£¨Ôª£© ¡Á Æ±ÃæÄêÀûÂÊ£¨%£© ¡Á ÆÚÏÞ£¨Ä꣩¡£ÕâÒ»¹«Ê½¼ò½àÃ÷ÁË£¬°ïÖúͶ×ÊÕßÇáËÉÕÆÎÕ¹úÕ®µÄÀûÏ¢ÊÕÒæÇé¿ö¡£

¶þ¡¢¶ÌÆÚծȯÊÕÒæÂʵļÆËã·½·¨£¨ÒÔÒ»ÄêΪÀý£©

¼ÆËã¶ÌÆÚծȯÊÕÒæÂÊʱ£¬ÎÒÃÇͨ³£²ÉÓÃÒÔϹ«Ê½£ºÊÕÒæÂÊK = (ÊÛ¼Û-Âò¼Û+ÀûÏ¢£© / Âò¼Û¡£ÀýÈ磬ÈôÒÔ900Ôª¹ºÂòծȯ£¬Ò»ÄêºóÒÔ980ÔªÊÛ³ö£¬Í¬Ê±»ñµÃ1 000ÔªµÄ5.5%ÀûÏ¢£¬ÔòÊÕÒæÂʿɴï15%¡£

Èý¡¢Ò»´Î»¹±¾¸¶Ï¢Õ®È¯µÄÊÕÒæÂʼÆËãÄ£ÐÍ

¶ÔÓÚÒ»´Î»¹±¾¸¶Ï¢µÄ´æµ¥Ê½Õ®È¯£¬ÎÒÃDzÉÓùÀ¼ÛÄ£ÐÍ£ºV = F(1+ i n) / (1+K)¡£ÆäÖУ¬F´ú±íÃæÖµ£¬i´ú±íÄêÀûÂÊ£¬n´ú±íÆÚÏÞ£¬V´ú±íծȯ¼Û¸ñ¡£Í¨¹ýÕâһģÐÍ£¬ÎÒÃÇ¿ÉÒÔ¸ü¼Ó¾«È·µØ¼ÆËãծȯµÄÊÕÒæÂÊ¡£

ËÄ¡¢Õ®È¯Í¶×ʵÄʵ¼ÊÄêÆ½¾ùÊÕÒæÂÊÈçºÎ¼ÆË㣿

Òª¼ÆËãծȯͶ×ʵÄʵ¼ÊÄêÆ½¾ùÊÕÒæÂÊ£¬Ð迼ÂÇÃûÒåÀûÂÊÓëͨ»õÅòÕÍÂʵÄÓ°Ïì¡£¼ÆË㹫ʽΪ£ºÊµ¼ÊÀûÂÊ = ÃûÒåÀûÂÊ£­Í¨»õÅòÕÍÂÊ¡£¼ÓȨÇóµÃµÄÿÄêʵ¼ÊÊÕÒæÂÊºó£¬ÆäÆ½¾ùÖµ¼´ÎªÊµ¼ÊÄêÆ½¾ùÊÕÒæÂÊ¡£

Î塢ծȯµÄʵ¼ÊÊÕÒæÂʼÆËã·½·¨Ó빫ʽ

ծȯÊÇÒ»ÖÖÖ¤Ã÷ծȨծÎñ¹ØÏµµÄ½ðÈÚÆõÔ¼¡£Êµ¼ÊÊÕÒæÂʵļÆËãÉæ¼°µ½Õ®È¯µÄÂô³ö¼Û¸ñ¡¢ÂòÈë¼Û¸ñÒÔ¼°³ÖÓÐÆÚ¼äµÄÀûÏ¢µÈÒòËØ¡£¼ÆË㹫ʽΪ£ºÕ®È¯ÊÕÒæÂÊ = £¨µ½ÆÚ±¾Ï¢ºÍ-·¢Ðм۸ñ£©/£¨·¢Ðм۸ñ¡Á³¥»¹ÆÚÏÞ£©¡Á 100%¡£ÓÉÓÚծȯ¿ÉÄÜÔÚ³ÖÓÐÆÚÄÚתÈã¬Òò´Ë»¹ÓÐծȯ³öÊÛÕßµÄÊÕÒæÂÊ¡¢¹ºÂòÕßµÄÊÕÒæÂÊÒÔ¼°³ÖÓÐÆÚ¼äµÄÊÕÒæÂʵȲ»Í¬µÄ¼ÆË㷽ʽ¡£

Á˽ⲢÊìÁ·ÕÆÎÕÕâЩ¼ÆË㹫ʽ£¬¶ÔÓÚծȯͶ×ÊÕßÀ´ËµÊǷdz£±ØÒªµÄ¡£ËüÃÇÄܰïÖúͶ×ÊÕ߸ü׼ȷµØÆÀ¹ÀծȯµÄͶ×ʼÛÖµ£¬´Ó¶ø×ö³ö¸üÃ÷ÖǵÄͶ×ʾö²ß¡£Ï£Íû±¾ÎĵĽéÉÜÄܰïÖú³õѧÕ߸üºÃµØÈëÃÅծȯͶ×Ê£¬ÎªÎ´À´µÄͶ×Ê֮·´òϼáʵµÄ»ù´¡¡£

Copyright@2015-2025 www.xyhndec.cn Å£³´¹É °æÈ¨ËùÓÐ