Bài giảng Chương 5: Lãi suất

Tom tat Bai giang Chuong 5: Lai suat: ... trong do khong co yeu to lai sinh ra lai (lai me de lai con). Khoan vay don va phuong phap tinh lai don (Simple Interest): FV = PV ( 1 + r.t) * * Gia tri tuong lai cua $100 voi lai suat 10%/nam * * FV phu thuoc vao i va thoi gian Exercise Gui 100$ vao ngan hang voi lai suat 8%/nam. Sau bao nhieu na...h 2 phan rieng biet. 50 trieu hien nay (thoi diem t0)se co gia tri tuong lai sau 2 nam la: FV2 = 50x(1+10%)2 = 60,5 (trieu) 60 trieu la dong tien tai thoi diem sau 2 nam (t2) nen no chinh la FV2. Tu do, FV2(B) = 60,5 + 60 = 120,5 Nhu vay, neu quy ve cung mot thoi diem trong tuong lai FV(A) lon hon F...ham muc dich tieu dung, dau tu hay bu dap thieu hut ngan sach. Lai suat se phai dam bao du thap doi voi nguoi di vay, hay noi cach khac loi ich co duoc tu viec su dung khoan von huy dong duoc phai lon hon chi phi ma ho tra. * * nhung yeu to lam cau von thay doi co the duoc liet ke nhu sau: Lam phat ...