D 240000 1/rok 0.06 15 a=D*i/(1-v^n) 24711.06335 poradi a u m d u1=a*(1-v^n) 0 240000 m 14400 rozdily plateb DR q=an/an-1 1 24711.06335 14400 10311.06335 229688.9367 1.06 m1=a*v^n 618.663801 -37.11982806 1.06 2 24711.06335 13781.3362 10929.72715 218759.2095 1.06 10311.06335 655.783629 -39.34701774 1.06 3 24711.06335 13125.55257 11585.51078 207173.6987 1.06 695.1306468 -41.70783881 1.06 4 24711.06335 12430.42192 12280.64143 194893.0573 1.06 736.8384856 -44.21030913 1.06 5 24711.06335 11693.58344 13017.47991 181875.5774 1.06 781.0487947 -46.86292768 1.06 6 24711.06335 10912.53464 13798.52871 168077.0487 1.06 827.9117224 -49.67470334 1.06 7 24711.06335 10084.62292 14626.44043 153450.6082 1.06 877.5864257 -52.65518554 1.06 8 24711.06335 9207.036495 15504.02685 137946.5814 1.06 930.2416113 -55.81449668 1.06 9 24711.06335 8276.794884 16434.26847 121512.3129 1.06 986.0561079 -59.16336648 1.06 10 24711.06335 7290.738776 17420.32457 104091.9884 1.06 1045.219474 -62.71316846 1.06 11 24711.06335 6245.519301 18465.54405 85626.44431 1.06 1107.932643 -66.47595857 1.06 12 24711.06335 5137.586658 19573.47669 66052.96762 1.06 1174.408601 -70.46451609 13 24711.06335 3963.178057 20747.88529 45305.08232 1.06 1244.873118 1244.873118 14 24711.06335 2718.304939 21992.75841 23312.32391 1.06 15 24711.06335 1398.739435 23312.32391 0 240000 240000 mr+1=a*v^(n-r) an=a1*g^(n-1) 13798.52871 13 240000 20747.88529 4x/rok splatka urok 1x/mesic 3963.178057 "0,06 p.a." 15let 66052.96762 "g=1/(1+0,06/12)^3" 0.985148759 D=a*q*(q^n-1)/(q-1) 39.30432241 a=D/ 6106.198639 60 a u m d 0 240000 1 6106.198639 3618.03 2488.168639 237511.8314 1.015075125 2 6106.198639 3580.520547 2525.678092 234986.1533 1.015075125 3 6106.198639 3542.445634 2563.753005 232422.4003 1.015075125 4 6106.198639 3503.796737 2602.401902 229819.9984 1.015075125 5 6106.198639 3464.565203 2641.633436 227178.3649 1.015075125 6 6106.198639 3424.742249 2681.456391 224496.9085 1.015075125 7 6106.198639 3384.318958 2721.879681 221775.0289 1.015075125 8 6106.198639 3343.286282 2762.912357 219012.1165 1.015075125 9 6106.198639 3301.635033 2804.563606 216207.5529 1.015075125 10 6106.198639 3259.355886 2846.842753 213360.7101 11 6106.198639 3216.439375 2889.759264 210470.9509 12 6106.198639 3172.875893 2933.322746 207537.6281 13 6106.198639 3128.655686 2977.542953 204560.0852 14 6106.198639 3083.768854 3022.429785 201537.6554 15 6106.198639 3038.205347 3067.993292 198469.6621 16 6106.198639 2991.954965 3114.243674 195355.4184 17 6106.198639 2945.007352 3161.191287 192194.2271 18 6106.198639 2897.351998 3208.846641 188985.3805 19 6106.198639 2848.978234 3257.220405 185728.1601 20 6106.198639 2799.875229 3306.32341 182421.8367 21 6106.198639 2750.031991 3356.166649 179065.67 22 6106.198639 2699.437359 3406.76128 175658.9087 23 6106.198639 2648.080007 3458.118632 172200.7901 24 6106.198639 2595.948436 3510.250203 168690.5399 25 6106.198639 2543.030976 3563.167664 165127.3723 26 6106.198639 2489.315778 3616.882862 161510.4894 27 6106.198639 2434.790816 3671.407823 157839.0816 28 6106.198639 2379.443884 3726.754755 154112.3268 29 6106.198639 2323.262591 3782.936048 150329.3908 30 6106.198639 2266.234357 3839.964282 146489.4265 31 6106.198639 2208.346415 3897.852224 142591.5743 32 6106.198639 2149.585806 3956.612833 138634.9614 33 6106.198639 2089.939373 4016.259266 134618.7022 34 6106.198639 2029.393762 4076.804877 130541.8973 35 6106.198639 1967.935419 4138.26322 126403.6341 36 6106.198639 1905.550584 4200.648055 122202.986 37 6106.198639 1842.225289 4263.97335 117939.0127 38 6106.198639 1777.945358 4328.253281 113610.7594 39 6106.198639 1712.696399 4393.50224 109217.2571 40 6106.198639 1646.463803 4459.734836 104757.5223 41 6106.198639 1579.232743 4526.965896 100230.5564 42 6106.198639 1510.988167 4595.210473 95635.34593 43 6106.198639 1441.714794 4664.483845 90970.86209 44 6106.198639 1371.397117 4734.801522 86236.06056 45 6106.198639 1300.019393 4806.179247 81429.88132 46 6106.198639 1227.56564 4878.633 76551.24832 47 6106.198639 1154.019637 4952.179002 71599.06932 48 6106.198639 1079.36492 5026.833719 66572.2356 49 6106.198639 1003.584773 5102.613866 61469.62173 50 6106.198639 926.6622313 5179.536408 56290.08532 51 6106.198639 848.5800725 5257.618567 51032.46676 52 6106.198639 769.3208154 5336.877824 45695.58893 53 6106.198639 688.8667151 5417.331924 40278.25701 54 6106.198639 607.1997592 5498.99888 34779.25813 55 6106.198639 524.3016637 5581.896975 29197.36115 56 6106.198639 440.153869 5666.04477 23531.31638 57 6106.198639 354.7375359 5751.461103 17779.85528 58 6106.198639 268.0335408 5838.165098 11941.69018 59 6106.198639 180.0224722 5926.176167 6015.514013 60 6106.198639 90.68462569 6015.514013 0 umor konst 240000 16000 poradi a u m d 0 240000 a u 1 30400 14400 16000 224000 960 960 2 29440 13440 16000 208000 960 960 3 28480 12480 16000 192000 960 960 4 27520 11520 16000 176000 960 960 5 26560 10560 16000 160000 960 960 6 25600 9600 16000 144000 960 960 7 24640 8640 16000 128000 960 960 8 23680 7680 16000 112000 960 960 9 22720 6720 16000 96000 960 960 10 21760 5760 16000 80000 960 960 11 20800 4800 16000 64000 960 960 12 19840 3840 16000 48000 960 960 13 18880 2880 16000 32000 960 960 14 17920 1920 16000 16000 960 960 15 16960 960 16000 0 240000 0.06 30000 -2000 poradi a u m d a u 0 240000 3800 1800 120 120 1 44400 14400 30000 210000 3680 1680 120 120 2 40600 12600 28000 182000 3560 1560 120 120 3 36920 10920 26000 156000 3440 1440 120 120 4 33360 9360 24000 132000 3320 1320 120 120 5 29920 7920 22000 110000 3200 1200 120 120 6 26600 6600 20000 90000 3080 1080 120 120 7 23400 5400 18000 72000 2960 960 120 120 8 20320 4320 16000 56000 2840 840 120 120 9 17360 3360 14000 42000 2720 720 120 120 10 14520 2520 12000 30000 2600 600 120 120 11 11800 1800 10000 20000 2480 480 120 120 12 9200 1200 8000 12000 2360 360 120 120 13 6720 720 6000 6000 2240 240 120 120 14 4360 360 4000 2000 2120 120 15 2120 120 2000 0