¿ø¸®±Ý ±Õµî»óȯ ¹æ½ÄÀ¸·Î ´ëÃâÀ» ¹ÞÀ» °æ¿ì ¸Å´Þ ÁöÃâÇØ¾ß ÇÏ´Â ±Ý¾×À» °è»êÇÒ ¼ö ÀÖ½À´Ï´Ù. ÀÌÀÚÀ²ÀÌ 7.26%ÀÌ°í, ´ëÃâ±Ý¾×ÀÌ 3õ¸¸¿ø(300¸¸ ¿ø), »óȯ±â°£ÀÌ 60°³¿ùÀÎ Á¶°Ç¿¡¼ ¸Å´Þ »óȯ¾×À» °è»êÇغ¸°Ú½À´Ï´Ù.
¸Å´Þ »ó¾×Àº ´ÙÀ½°ú °°Àº °ø½ÄÀ» »ç¿ëÇÏ¿© °è»êÇÒ ¼ö ÀÖ½À´Ï´Ù:
[
M = P \times \frac{r(1+r)^n}{(1+r)^n - 1}
]
¿©±â¿¡¼:
- ( M ) = ¸Å¿ù »óȯ¾×
- ( P ) = ´ëÃâ±Ý¾× (3,000,000¿ø)
- ( r ) = ¿ù ÀÌÀÚÀ² (¿¬ ÀÌÀÚÀ² 7.26%¸¦ 12·Î ³ª´« °ª)
- ( n ) = ÃÑ »óȯȸ¼ö (60°³¿ù)
¸ÕÀú, ¿ù ÀÌÀÚÀ²À» °è»êÇÕ´Ï´Ù:
[
r = \frac{7.26%}{12} = \frac{.0726}{12} \approx .00605
]
ÀÌÁ¦ ÀÌ °ªÀ» ´ëÀÔÇÏ¿© ¸Å´Þ »óȯ¾×À» °è»êÇغ¸°Ú½À´Ï´Ù:
[
M = 30000000 \times \frac{.00605(1+.00605)^{60}}{(1+.00605)^{60} - 1}
]
[
M \approx 30000000 \times \frac{.00605 \times 1.48985}{1.48985 - 1}
]
[
M \approx 30000000 \times \frac{.009015}{.48985} \approx 30000000 \times .018416 \approx 552,480
]
¾à 552,480¿øÀÔ´Ï´Ù. Áï, ¸Å´Þ ¾à 552,480¿øÀÇ ±Ý¾×À» »óȯÇØ¾ß ÇÕ´Ï´Ù.
Á¤È®ÇÑ ±Ý¾×Àº ¼Ò¼öÁ¡ ¹Ý¿Ã¸² µî¿¡ µû¶ó ¾à°£ÀÇ Â÷ÀÌ°¡ ÀÖÀ» ¼ö ÀÖ½À´Ï´Ù.