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GII
1) Hn mc tn dng cn li sau mi ln vay & cui mi thng:
Thi
Cho Vay Tin Bn Tr N
D N
HMTD
Gian
Hng
cn li
01/01
100
11/01
20
20
80
30/01
30
20
0
100
16/02
20
20
80
30/02
30
20
0
100
30/03
10
0
0
100
01/04
30
30
70
30/04
10
8
22
78
16/05
10
32
68
30/05
10
8
24
76
21/06
30
54
46
30/06
10
8
46
54
Hn mc tn dng cn li sau mi ln vay
Hn mc tn dng cn li cui mi thng
banhbingo@yahoo.com.vn
banhbingo@yahoo.com.vn
Bit rng d n c a vo hot ng ngay sau khi kt thc cng on thi cng.
GII
Li trong thi gian n hn c nhp vo vn gc ngay sau khi d n i vo hot
ng
S tin cho vay = 400 t - (400 t * 20%) = 320 t
Li nm 1 (TC) = (320 t * 50%) * 12% = 19.2 t
Li nm 2 (TC) = 320 t * 12% = 38.4 t
Li n hn = 19.2 t + 38.4 t = 57.6 t
D n tnh li u nm 1 (H) = 320 t + 57.6 t = 377.6 t
Khu hao hng nm = 400 t / 10 nm = 40 t
Li nm 1 (H) = 377.6 * 12% = 45.31 t
Li nm 2 (H) = (377.6 24.69) * 12% = 42.35 t
Li nm 3 (H) = (377.6 62.34) * 12% = 37.83 t
S thng hon tr vn vay trong nm 7 (H)
= (377.6 297.63): 90/12 = 10.66 thng = 11 thng
Thi gian hon vn ca d n u t:
= 2 nm (TC) + 6 nm 11 thng (H) = 8 nm 11 thng
Quyt nh thi hn cho vay l 9 nm
Nm
KH hng nm
1
2
3
4
5
6
7
8
9
10
40
40
40
40
40
40
40
40
40
40
Tr n gc
24.69
37.65
42.17
57.23
64.10
71.79
80.40
banhbingo@yahoo.com.vn
KH hng nm
1
2
3
4
5
6
7
8
9
10
40
40
40
40
40
40
40
40
40
40
Tr n gc
12.40
23.89
26.75
59.16
66.26
74.22
banhbingo@yahoo.com.vn