HP 10bII Business Calculator Handleiding

10bII Business Calculator
HP
Merk
HP
Model
10bII Business Calculator
Type
Handleiding

Deze handleiding is ook geschikt voor

檔名: 10BII_DUTCH(MP01-2)-041029(Print) 頁碼: 第 1/2 頁
hp 10BII Zakelijke Calculator
Gebruikershandboek
Editie 1
HP artikelnummer F1902-90013
檔名: 10BII_DUTCH(MP01-2)-041029(Print) 頁碼: 第 2/2 頁
Mededeling
Het REGISTER JE PRODUCT AAN: www.register.hp.com
DE INHOUD VAN DEZE HANDLEIDING EN DE HIERIN VERVATTE
FICTIEVE PRAKTIJKVOORBEELDEN KUNNEN ZONDER
AANKONDIGING VERANDERD WORDEN. HEWLETT–PACKARD
COMPANY GEEFT GEEN GARANTIE AF VAN WELKE AARD DAN
OOK MET BETREKKING TOT DEZE HANDLEIDING, WAARONDER
OOK STILZWIJGENDE GARANTIES VAN VERHANDELBAARHEID,
GESCHIKTHEID VOOR EEN BEPAALD DOEL EN GEEN INBREUK
VORMEND VAN TOEPASSING ZIJN, MAAR DIE HIER NIET TOT
BEPERKT ZIJN.
HEWLETT–PACKARD CO. KAN NIET AANSPRAKELIJK WORDEN
GESTELD VOOR ENIGERLEI FOUTEN OF VOOR INCIDENTELE OF
GEVOLGSCHADE IN VERBAND MET LEVERING, PRESTATIE OF
GEBRUIK VAN DEZE HANDLEIDING OF DE HIERIN VERVATTE
VOORBEELDEN.
© Copyright 1988, 1989, 2001, 2004 Hewlett-Packard Development
Company, L.P. ermenigvuldiging, aanpassing, of vertaling van deze
handleiding is, behalve zoals toegestaan onder de auteurswet, niet
toegestaan zonder eerder schriftelijke toestemming van Hewlett–Packard
Company.
Hewlett-Packard Company
4995 Murphy Canyon Rd,
Suite 301
San Diego,CA 92123
Oplage
Editie 1 Mei 2003
Welkom bij de HP 10BII 3
Welkom bij de HP 10BII
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10B.book Page 3 Wednesday, June 28, 2000 3:31 PM
4 Welkom bij de HP 10BII
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Eigenschappen
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10B.book Page 4 Wednesday, June 28, 2000 3:31 PM
Inhoud 5
Inhoud
11 In één oogopslag...
11
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18 ,55<5HQ139³,QppQRRJRSVODJ«
19 6WDWLVWLHN³,QppQ RR JR SV ODJ«
21 7RHWVHQ
1 23 Om te beginnen
23
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23 (HQYRXGLJHUHNHQ NXQ GLJHEHU HNHQ LQ JHQ
25 'HGLVSOD\HQ K HWWRHWVHQ E RU GEHJU LMS HQ
25 &XUVRU
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25 +HWJHKHXJHQZLV VHQ
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10B.book Page 5 Wednesday, June 28, 2000 3:31 PM
6 Inhoud
2 33 Economische percentages
33
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33 (HQSHUFHQWDJHEHUHNHQHQ
34 (HQSHUFHQWDJHRSWHOOHQRIDIWUHNNHQ
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35 0DUJHEHUHNHQLQJHQ
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36 0DUJHHQEUXWRZLQVWWHJHOLMNHUWLMGJHEUXLNHQ
3 37 Het opslaan van getallen en rekenkundige
bewerkingen
37
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37 +HWJHEUXLNYDQFRQVWDQWHQ
39 +HWJHEUXLNYDQKHW0UHJLVWHU
40 +HWJHEUXLNYDQJHQXPPHUGHUHJLVWHUV
41 5HNHQNXQGLJHEHZHUNLQJHQXLWYRHUHQELQQHQHHQ
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42 5HNHQNXQGLJHEHZHUNLQJHQXLWYRHUHQ
43 0DFKWYHUKHIILQJVRSHUDWRU
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4 45 Financiële problemen in beeld brengen
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46 +HWWHNHQYDQGHFDVKIORZ
47 3HULRGHVHQFDVKIORZV
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47 (QNHOYRXGLJHUHQWH
48 6DPHQJHVWHOGHUHQWH
49 'HUHQWHYRHW
49 7ZHHYHUVFKLOOHQGHILQDQFLsOHYUDDJVWXNNHQ
49 +HWKHUNHQQHQYDQHHQ790YUDDJVWXN
51 +HWKHUNHQQHQYDQHHQFDVKIORZYUDDJVWXN
10B.book Page 6 Wednesday, June 28, 2000 3:31 PM
Inhoud 7
5 53 “Time Value of Money”-berekeningen
53
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55 790UHJLVWHUVZLVVHQ
55 %HJLQHQ(LQGPRGXV
55 +HWEHUHNHQHQYDQOHQLQJHQ
61 %HUHNHQLQJHQPHWVSDDUV\VWHPHQ
64 /HDVHEHUHNHQLQJHQ
68 $PRUWLVDWLH
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6 77 Cashflowberekeningen
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79 139HQ,55<5+HWYHUGLVFRQWHUHQYDQFDVKIORZV
79 &DVKIORZVJURHSHUHQ
80 &DVKIORZVLQYRHUHQ
81 &DVKIORZVEHNLMNHQHQYHUYDQJHQ
82 'HQHWWRKXLGLJHZDDUGHEHUHNHQHQ
85 +HWLQWHUQHUHQGHPHQWEHUHNHQHQ
86 $XWRPDWLVFKHRSVODJYDQ,55<5HQ139
7 87 Statistische berekeningen
87
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88 6WDWLVWLVFKHJHJHYHQVLQYRHUHQ
88 6WDWLVWLHNHQPHWppQYDULDEHOH
88 6WDWLVWLHNHQPHWWZHH YDULDEHOHQ HQJHZRJHQJHPLGGHOGH
89 6WDWLVWLVFKHJHJHYHQVYHUEHWHUHQ
89 9HUEHWHUHQYDQJHJHYHQVEHVWDDQGHXLWppQYDULDEHOH
89 9HUEHWHUHQYDQJHJHYHQVEHVWDDQGHXLWWZHHYDULDEHOHQ
90 6DPHQYDWWLQJYDQVWDWLVWLVFKHEHUHNHQLQJHQ
91 *HPLGGHOGHVWDQGDDUGGHYLDWLHHQVRPPDWLHVWDWLVWLHNHQ
93 /LQHDLUHUHJUHVVLHHQEHQDGHULQJ
96 *HZRJHQJHPLGGHOGH
10B.book Page 7 Wednesday, June 28, 2000 3:31 PM
8 Inhoud
8 99 Extra voorbeelden
99
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100 9HUZDFKWLQ JHQJH EDV HHU GRS KLV WRU LVFKHJHJHYHQ V
101 .RVWHQ LQGLHQ Q LHWFRQ WDQ WZRUGWE HWDDOG
102 /HQLQJHQH QK \S RWK HNHQ
102 (QNHOYRXGLJHMDDUOLMNV HUHQ WH
102 &RQWLQXHV DPH QV WHOOLQJYDQ UH QWH
104 2SEU HQ JVWYDQ HHQYHU GLVFR Q WHHUGHR ISUHP LH K\
SRWKHHN
105 -DDUOLMNVS HUFH QWDJHYR R UHHQ OHQ LQJP HWNRV WHQ
108 /HQLQJP HWHHQ DIZLMNH QGHHHU VWHS HULR GH
109 (HQDXWROHQ LQJ
110 ´&DQDGHVHK\SRWKHHNµ
111 790EH UHNHQ LQ JHQ YRR U´ZDWDOV µV FHQDU LR·V
113 6SDUHQ
113 6SDUHQ YRR UK RJ HUHV WXGLHV
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118 9RRUEHHOGHQ P HWFDVK IOR Z
118 :UDSD UR XQGK \S RWK HNHQ
120 1HWWRWRHNRP VWLJHZD DUGH
A 123 Hulp, Batterijen en Service
123
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125 2PJHYLQJVIDFWRUHQ
125 9RHGLQJHQ%DWWHULMHQ
125 %DWWHULMLQGLFDWRU
125 %DWWHULMVSHFLILFDWLHV
126 %DWWHULMHQSODDWVHQ
127 9DVWVWHOOHQRIGHFDOFXODWRUVHUYLFHQRGLJKHHIW
128 %HSHUNWJDUDQWLHEHZLMVYRRUppQMDDU
128 :DWRQGHUGHJDUDQWLHYDOW
129 :DWQLHWRQGHUGHJDUDQWLHYDOW
129 .ODQWHQWUDQVDFWLHVLQKHW9HUHQLJG.RQLQNULMN
130 $OVGHFDOFXODWRUVHUYLFHQRGLJKHHIW
10B.book Page 8 Wednesday, June 28, 2000 3:31 PM
Inhoud 9
130 6HUYLFHDGUHVVHQ
130 6HUYLFHNRVWHQ
131 9HU]HQGLQVWUXFWLHV
131 *DUDQWLHRSVHUYLFH
131 6HUYLFHFRQWUDFWHQ
132 9HUGHUHLQIRUPDWLH
133 7HUPHQHQFRQGLWLHVYRRUGHHLQGJHEUXLNHU
B 135 Nog meer berekeningen
135
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135 0RJHOLMNHUHVXOWDWHQELMKHWEHUHNHQ HQYDQ,55<5
136 ,55<5VWRSSHQHQRSQLHXZEHJLQQHQ
136 (HQVFKDWWLQJLQYRHUHQYR RU,55<5
137 *HYROJHQYDQKHWJHEUXLNYDQ 
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137 *HWDOOHQEHUHLN
138 )RUPXOHV
138 %HUHNHQLQJYDQPDUJHHQEUXWRZLQVW
138 7LPH9DOXHRI0RQH\790
139 $PRUWLVDWLH
139 5HQWHYRHWFRQYHUVLHV
140 &DVKIORZEHUHNHQLQJHQ
141 6WDWLVWLHN
C 143 Meldingen
145 Index
10B.book Page 9 Wednesday, June 28, 2000 3:31 PM
10B.book Page 10 Wednesday, June 28, 2000 3:31 PM
11In één oogopslag...
In één oogopslag...
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Toetsen: Display: Beschrijving:
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[oranje label] 0,00
7RRQWGHVKLIWLQGLFDWRU
SHIFT
0,00
*DDWZHHUXLWGHVKLIW
LQVWHOOLQJ
12_
:LVWKHWODDWVWHWHNHQ
0,00
:LVWGHGLVSOD\
0,00
:LVWKHWVWDWLVWLVFKH
JHKHXJHQ
0,00
:LVWKHWKHOHJHKHX
JHQ
=HWGHFDOFXODWRUXLW
10B.book Page 11 Wednesday, June 28, 2000 3:31 PM
12 In één oogopslag...
Procenten—In één oogopslag...
7HOELMRS
%HUHNHQGHPDUJHDOVGHNRVWHQJHOLMN]LMQDDQHQGHYHUNRRSSULMV
LV
$OVGHNRVWHQ]LMQHQGHEUXWRZLQVWLVZDWLVGDQGH
YHUNRRSSULMV"
3URFHQW
.RVWHQ
3ULMV
0DUJH
%UXWRZLQVW
Toetsen: Display: Beschrijving:
17,50
9RHUWJHWDOLQ
20,13
7HOWRS
15,00
9RHUWGHNRVWHQLQ
22,00
9RHUWGHSULMVLQ
31,82
%HUHNHQWGHPDUJH
20,00
9RHUWGHNRVWHQLQ
33,00
9RHUWGHEUXWRZLQVWLQ
26,60
%HUHNHQWGHSULMV
10B.book Page 12 Wednesday, June 28, 2000 3:31 PM
In één oogopslag... 13
Geheugentoetsen—In één oogopslag…
9HUPHQLJYXOGLJHQPHWZDDUELM´ïµDOVHHQEHZHUNLQJPHW
HHQFRQVWDQWHZRUGWRSJHVODJHQ
6ODLQUHJLVWHURSHQYUDDJKHWYHUYROJHQVRS
6ODDWHHQEHZHUNLQJPHWHHQFRQVWDQWHRS
6ODDWHHQZDDUGHRSLQKHW0UHJLVWHUJHKHXJHQSODDWV
9UDDJWHHQZDDUGHRSXLWKHW0UHJLVWHU
7HOWHHQZDDUGHRSELMKHWJHWDOGDWLQKHW0UHJLVWHULV
RSJHVODJHQ
6ODDWHHQZDDUGHRSLQHHQJHQXPPHUGUHJLVWHU
9UDDJWHHQZDDUGHRSXLWHHQJHQXPPHUGUHJLVWHU
Toetsen: Display: Beschrijving:
7,00
6ODDW´ïµDOVHHQ
EHZHUNLQJPHWHHQFRQVWDQWH
RS
119,00
9HUPHQLJYXOGLJWï
154,00
9HUPHQLJYXOGLJWï
175,00
9HUPHQLJYXOGLJWï
519,00
6ODDWLQUHJLVWHURS
0,00
:LVWGHGLVSOD\
519,00
9UDDJWUHJLVWHURS
10B.book Page 13 Wednesday, June 28, 2000 3:31 PM
14 In één oogopslag...
Time Value of Money (TVM)—In één
oogopslag…
9RHUYLHUZLOOHNHXULJHZDDUGHQLQHQEHUHNHQGHYLMIGH
ZDDUGH
(HQPLQWHNHQLQGHGLVSOD\EHWHNHQWHHQEHWDDOGEHGUDJKHW
RQWYDQJHQEHGUDJLVSRVLWLHI
$OVX39JHGXUHQGHPDDQGHQOHHQW1WHJHQHHQUHQWH
YDQ,<5KRHJURRW]LMQGDQGHPDDQGHOLMNVHEHWDOLQJHQ"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
$DQWDOEHWDOLQJHQ
5HQWHSHUMDDU
+XLGLJHZDDUGH
%HWDOLQJ
7RHNRPVWLJHZDDUGH
%HJLQRI(LQGPRGXV
´$DQWDOEHWDOLQJHQSHUMDDUµPRGXV
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
360,00
9RHUWKHWDDQWDOEHWDOLQJHQLQ
10,00
9RHUWGHUHQWHSHUMDDULQ
14.000,00
9RHUWGHKXLGLJHZDDUGHLQ
0,00
9RHUWGHWRHNRPVWLJHZDDUGH
LQ
–122,86
%HUHNHQWGHEHWDOLQJDOVGH]H
DDQKHWHLQGHYDQGHSHULRGH
ZRUGWEHWDDOG
10B.book Page 14 Wednesday, June 28, 2000 3:31 PM
In één oogopslag... 15
TVM Wat gebeurt er als…—In één oogopslag…
+HWLVQLHWQRGLJGDWYRRULHGHUYRRUEHHOGGH790ZDDUGHQ
RSQLHXZZRUGHQLQJHYRHUG+RHYHHONXQWXOHQHQPHWGH
ZDDUGHQGLHX]RMXLVWKHEWLQJHYRHUGSDJLQD DOVX
EHWDOLQJHQYDQZLOWGRHQ"
+RHYHHONXQWXOHQHQWHJHQHHQUHQWHYDQ"
Toetsen: Display: Beschrijving:
–100,00
9RHUWKHWQLHXZH
EHGUDJYDQGHEHWDOLQJ
LQ+HWXLWEHWDDOGH
EHGUDJLVQHJDWLHI
11.395,08
%HUHNHQWKHWEHGUDJ
GDWXNXQWOHQHQ
9,50
9RHUWGHQLHXZHUHQW
HYRHWLQ
11.892,67
%HUHNHQWGHQLHXZH
KXLGLJHZDDUGHYRRU
HHQEHWDOLQJYDQ
ELMHHQUHQWH
YDQ
10,00
9RHUWGH
RRUVSURQNHOLMNHUHQWH
RSQLHXZLQ
14.000,00
9RHUWGHRRU
VSURQNHOLMNHKXLGLJH
ZDDUGHRSQLHXZLQ
–122,86
%HUHNHQWGH
RRUVSURQNHOLMNH
EHWDOLQJ
10B.book Page 15 Wednesday, June 28, 2000 3:31 PM
16 In één oogopslag...
Amortisatie—In één oogopslag…
1DKHWEHUHNHQHQYDQHHQEHWDOLQJPHW7LPH9DOXHRI
0RQH\790YRHUWXGHSHULRGHVLQZDDULQ
JHDPRUWLVHHUGZRUGWHQGUXNWXYHUYROJHQVRS

'UXNGDQRS
RPGHUHQWHKRRIGVRPHQVDOGRZDDUGHQ
WHEHNLMNHQUHVSHFWLHYHOLMNDDQJHGXLGGRRUGH
PRININT
HQ
BALLQGLFDWRU
$PRUWLVHHUPHWEHKXOSYDQKHWYRULJH790YRRUEHHOGSDJLQD HHQ
HQNHOYRXGLJHEHWDOLQJHQYHUYROJHQVHHQUHHNVEHWDOLQJHQ
$PRUWLVHHUGH
EHWDOLQJYDQGHOHQLQJ
$PRUWLVHHUGH
WRWHQPHWGH EHWDOLQJHQYDQGHOHQLQJ
Toetsen: Display: Beschrijving:
20,00
9RHUWGHEHWDOLQJLQGLHPRHW
JHDPRUWLVHHUGZRUGHQ
20 – 20
*HHIWGHEHWDOLQJZHHUGLH
PRHWJHDPRUWLVHHUGZRUGHQ
–7,25
*HHIWGHKRRIGVRPZHHU
–115,61
*HHIWGHUHQWHZHHU%HWDDOGH
EHGUDJHQ]LMQQHJDWLHI
13.865,83
*HHIWKHWVDOGRZHHU
12_
9RHUWGHUHHNVEHWDOLQJHQLQ
GLHPRHWHQJHDPRUWLVHHUG
ZRUGHQ
1 – 12
*HHIWGHUHHNVYDQSHULRGHV
EHWDOLQJHQZHHU
–77,82
*HHIWGHKRRIGVRPZHHU
–1.396,50
*HHIWGHUHQWHZHHU%HWDDOGH
EHGUDJHQ]LMQQHJDWLHI
13.922,18
*HHIWKHWVDOGRZHHU
10B.book Page 16 Wednesday, June 28, 2000 3:31 PM
In één oogopslag... 17
Rentevoetconversies—In één oogopslag…
2PWHFRQYHUWHUHQWXVVHQGHQRPLQDOHHQHIIHFWLHYHUHQWH
YRHUWXGHEHNHQGHUHQWHHQKHWDDQWDOSHULRGHVSHUMDDULQ
HQEHUHNHQWXYHUYROJHQVGHRQEHNHQGHUHQWH
%HUHNHQGHMDDUOLMNVHHIIHFWLHYHUHQWHYDQHHQQRPLQDOHUHQWHYDQGLH
PDDQGHOLMNVVDPHQJHVWHOGZRUGW
1RPLQDDOUHQWHSHUFHQWDJH
(IIHFWLHIUHQWHSHUFHQWDJH
3HULRGHVSHUMDDU
Toetsen: Display: Beschrijving:
10,00
9RHUWGHQRPLQDOH
UHQWHLQ
12,00
9RHUWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
10,47
%HUHNHQWGHMDDUOLMNVH
HIIHFWLHYHUHQWH
10B.book Page 17 Wednesday, June 28, 2000 3:31 PM
18 In één oogopslag...
IRR/YR en NPV—In één oogopslag…
:DWLVGH,55<5DOVXHHQLQLWLsOHXLWJDDQGHFDVKIORZKHEWYDQ
JHYROJGGRRUPDDQGHOLMNVLQNRPHQGHFDVKIORZVYDQ
HQ":DWLVGH,55SHUPDDQG"
:DWLVGH139DOVGHGLVFRQWRUHQWHLV"
$DQWDOSHULRGHVSHUMDDUVWDQGDDUGZDDUGHLV
&DVKIORZVPD[LPDDO´MµJHHIWKHWQXPPHUYDQGHFDVK
IORZJURHSDDQ
$DQWDONHUHQGDWFDVKIORZ´MµDFKWHUHHQYROJHQVYRRUNRPW
,QWHUQUHQGHPHQWSHUMDDU
1HWWRFRQWDQWHZDDUGH
Toetsen: Display: Beschrijving:
0,00
:LVWKHWKHOHJHKHXJHQ
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
–40.000,00
9RHUWGHLQLWLsOHXLWJDDQGH
FDVKIORZLQ
4.700,00
9RHUWGHHHUVWHFDVKIORZLQ
7.000,00
9RHUWGHWZHHGHFDVKIORZLQ
2,00
9RHUWLQKRHYDDNGHFDVK
IORZDFKWHUHHQYROJHQV
YRRUNRPW
23.000,00
9RHUWGHGHUGHFDVKIORZLQ
15,96
%HUHNHQW,55<5
1,33
%HUHNHQW,55SHUPDDQG
10 10,00
9RHUW,<5LQ
622,85
%HUHNHQW139
10B.book Page 18 Wednesday, June 28, 2000 3:31 PM
In één oogopslag... 19
Statistiek—In één oogopslag…
%HUHNHQPHWEHKXOSYDQGHYROJHQGHJHJHYHQVKHWJHPLGGHOGHYDQ[HQ\
GHVWHHNSURHIVWDQGDDUGGHYLDWLHYRRU[ HQ\HQKHWVQLMSXQWPHWGH\DV
HQGHULFKWLQJVFRsIILFLsQWYDQGHOLMQGLHGHOLQHDLUHUHJUHVVLHZHHUJHHIW
%HUHNHQYHUYROJHQVPHWVRPPDWLHVWDWLVWLHNHQQHQ
Σ
[\
:LVWVWDWLVWLVFKHUHJLVWHUV
JHWDO
9RHUWVWDWLVWLVFKHJHJHYHQVPHWppQYDULDEHOHLQ
JHWDO
9HUZLMGHUWVWDWLVWLVFKHJHJHYHQVPHWppQYDULD
EHOH
JHWDO
JHWDO 9RHUWVWDWLVWLVFKHJHJHYHQVPHWWZHHYDULDEHOHQ
LQ
JHWDO
JHWDO 9HUZLMGHUWVWDWLVWLVFKHJHJHYHQVPHWWZHHYDULD
EHOHQ
*HPLGGHOGHQYDQ[HQ\
*HPLGGHOGHYDQ[JHZRJHQGRRU\
6WHHNSURHIVWDQGDDUGGHYLDWLHYRRU[HQ\
3RSXODWLHVWDQGDDUGGHYLDWLHYRRU[HQ\
\ZDDUGH
%HQDGHULQJYDQ[HQGHFRUUHODWLHFRsIILFLsQW
[ZDDUGH
%HQDGHULQJYDQ\
6QLMSXQWPHWGH\ DVHQGHKHOOLQJ
x
-gegevens 2 4 6
y
-gegevens 50 90 160
10B.book Page 19 Wednesday, June 28, 2000 3:31 PM
20 In één oogopslag...
Toetsen: Display: Beschrijving:
0,00
:LVWGHVWDWLVWLVFKHUHJLVWHUV
1,00
9RHUWKHWHHUVWH[\SDDULQ
2,00
9RHUWKHWWZHHGH[\SDDULQ
3,00
9RHUWKHWGHUGH[\SDDULQ
4,00
*HHIWKHWJHPLGGHOGHYDQGH[
ZDDUGHQZHHU
100,00
*HHIWKHWJHPLGGHOGHYDQGH\
ZDDUGHQZHHU
2,00
*HHIWGHVWHHNSURHIVWDQGDDUG
GHYLDWLHYRRU[ZHHU
55,68
*HHIWGHVWHHNSURHIVWDQGDDUG
GHYLDWLHYRRU\ZHHU
–10,00
*HHIWKHWVQLMSXQWYDQGH
UHJUHVVLHOLMQPHWGH\DVZHHU
EHQDGHUGH ZDDUGHYRRU
[ 
27,50
*HHIWGHKHOOLQJYDQGHUHJUHVV
LHOLMQZHHU
3,00
*HHIWQKHWDDQWDOLQJHYRHUGH
JHJHYHQVZHHU
1.420,00
*HHIW
Σ
[\VRPYDQGH
SURGXFWHQYDQ[HQ\ZDDUGHQ
y
ˆ
10B.book Page 20 Wednesday, June 28, 2000 3:31 PM
In één oogopslag... 21
Toetsen
1. Time value of money (pagina 53)
2. Twee getallen scheiden
(pagina 28)
3. Procent (pagina 33)
4. Constanten (pagina 37)
5. Opslaan en opvragen (pagina 40)
6. Teken veranderen (pagina 24)
7. Statistiektoets (pagina 28)
8. Shifttoets (pagina 27)
9. Display wissen, bewerking
annuleren (pagina 25)
10. Gehele geheugen wissen
(pagina 25)
11. Aan (pagina 23)
12. Statistische functies (pagina 90)
13.
n
tot en met
Σ
xy
: registers voor
sommatiestatistieken (pagina 91)
14. 3-toetsen geheugen (pagina 39)
15. Backspace (pagina 25)
16. Statistische gegevens
accumuleren (pagina 88)
17. Cashflows (pagina 77)
18. Economische functies: marge,
brutowinst, kosten, prijs
(pagina 35)
19. Renteconversies (pagina 73)
20. Amortisatie (pagina 68)
21. Indicator regel (pagina 26)
10B.book Page 21 Wednesday, June 28, 2000 3:31 PM
10B.book Page 22 Wednesday, June 28, 2000 3:31 PM
1: Om te beginnen 23
1
Om te beginnen
Aan- en uitzetten
8]HWXZ+3%,,DDQGRRURS WHGUXNNHQ8]HWGH
FDOFXODWRUXLWGRRURSGHRUDQMHVKLIWWRHWV
WHGUXNNHQ
HQYHUYROJHQVRS
WHGUXNNHQZRUGWRRNDOVYROJW
DDQJHJHYHQ

$DQJH]LHQGHFDOFXODWRUHHQSHUPDQHQWJHKHXJHQKHHIW
ZRUGWGHRSJHVODJHQLQIRUPDWLHQLHWDDQJHWDVWDOVGH
FDOFXODWRUXLWJH]HWZRUGW2PVWURRPWHEHVSDUHQVFKDNHOWGHFDOFXODWRU
]LFK]HOIRQJHYHHUPLQXWHQQDGDWKLMYRRUKHWODDWVWJHEUXLNWZHUGXLW
'HFDOFXODWRUJHEUXLNWWZHHOLWKLXPEDWWHULMHQ$OVXKHWV\PERROYRRU
ODJHEDWWHULMVSDQQLQJ LQGHGLVSOD\]LHWPRHWHQGHEDWWHULMHQ
ZRUGHQYHUYDQJHQ5DDGSOHHJDDQKDQJVHO$YRRUPHHULQIRUPDWLH
De helderheid van de display aanpassen
2PGHKHOGHUKHLGYDQGH GLVSOD\WHY HUDQGHUHQKRXGWX LQJHGUXNWHQ
GUXNWXWHJHOLMNHUWLMGRS
RI
Eenvoudige rekenkundige berekeningen
Rekenkundige operatoren. ,QGHYROJHQGHYRRUEHHOGHQ]LHWXKHW
JHEUXLNYDQGHUHNHQNXQGLJHRSHUDWRUHQ
  HQ 
$OVXDFKWHUHHQYROJHQVRSPHHUGDQppQRS HUDWRUGUXNWELMYRRUEHHOGRS
ZRUGWHQNHOPHWGHODDWVWJHGUXNWHWRHWVUHNHQLQJ
JHKRXGHQ
10B.book Page 23 Wednesday, June 28, 2000 3:31 PM
24 1: Om te beginnen
$OVXELMKHWLQYRHUHQYDQHHQJHWDOHHQW\SHIR XWPDDNWGUXNGDQRS
RP]RGHIRXWLHYHFLMIHUVWHZLVVHQ
$OVHHQEHUHNHQLQJDIJHVORWHQLVGRRU
LQWHGUXNNHQEHJLQWGRRUKHW
LQGUXNNHQYDQHHQFLMIHUWRHWVHHQQLHXZHEHUHNHQLQJ
$OVXQDGDWXGHEHUHNHQLQJKHEWXLWJHYRHUGRSHHQRSHUDWRUWRHWVGUXNW
NXQWXYHUGHUJDDQPHWGHEHUHNHQLQJ
8NXQWNHWWLQJEHZHUNLQJHQXLWYRHUHQGRRUQLHWQDLHGHUHVWDSRS
WH
GUXNNHQ
.HWWLQJEHZHUNLQJHQZRUGHQJHwQWHUSUHWHHUGLQGHYROJRUGHZDDURS]LM
ZRUGHQLQJHYRHUG%HUHNHQ[
Negatieve getallen. 9RHUKHWJHWDOLQHQGUXNRS DOVXKHWWHNHQZLOW
YHUDQGHUHQ%HUHNHQ²¸
Toetsen: Display: Beschrijving:
87,18
7HOWHQRS
240,92
%HUHNHQWï
356,42
6OXLWGHEHUHNHQLQJYDQ
DI
36,92
'RRURS WHGUXNNHQ
NRPWGHWXVVHQRSORVV
LQJ ïLQGH
GLVSOD\
40,57
'HEHZHUNLQJLVNODDU
13,00
7HOWRS
39,00
9HUPHQGLJYXOGLJWï

Toetsen: Display: Beschrijving:
–75_
9HUDQGHUWKHWWHNHQ
YDQ
–25,00
%HUHNHQWKHWUHVXOWDDW
10B.book Page 24 Wednesday, June 28, 2000 3:31 PM
1: Om te beginnen 25
De display en het toetsenbord begrijpen
Cursor
8]LHWGHFXUVRUBDOVXHHQJHWDOLQYRHUW
Het wissen van de calculator
$OVGHFXUVRULQGHGLVSOD\VWDDWZRUGWGRRU KHWODDWVW
LQJHYRHUGHFLMIHUJHZLVW,QDOOHDQGHUHJHYDOOHQZRUGWGRRU
GHGLVSOD\JHZLVWHQGHEHZHUNLQJJHDQQXOHHUG
$OVXRS
GUXNWELMKHWLQYRHUHQYDQHHQJHWDONRPWLQ
GHGLVSOD\WHVWDDQ$QGHUVZLVW
GHJHJHYHQVGLHLQGH
GLVSOD\VWDDQHQZRUGWGHKXLGLJHEHZHUNLQJJHDQQXOHHUG
Meldingen verwijderen.$OVGH+3%,,HHQIRXWPHOGLQJWRRQW
YHUZLMGHUWXGHPHOGLQJPHW
RIPHW HQNULMJWXGHRRUVSURQNHOLMNH
LQKRXGZHHULQGHGLVSOD\WH]LHQ=LH´0HOGLQJHQµRSSDJLQD YRRU
HHQYROOHGLJHOLMVWYDQPHOGLQJHQHQKXQEHWHNHQLV
Het geheugen wissen
Toetsen Beschrijving
:LVWKHWKHOHJHKHXJHQ6WHOWGHLQVWHOOLQJHQQLHW
RSQLHXZLQ
:LVWKHWVWDWLVFKHJHKHXJHQ
10B.book Page 25 Wednesday, June 28, 2000 3:31 PM
26 1: Om te beginnen
2PKHWJHKHOHJ HKHXJ HQWHZLVVHQ HQRP GHFDOFXODWRURSQ LHXZLQWH
VWHOOHQGUXNWXRS 
KRXGWXGH]HLQJHGUXNWZDDUQDXWHJHOLMNHUWLMGRS
HQ GUXNWHQGH]HHYHQHHQVLQJHGUXNWKRXGW$OVXGHGULHWRHWVHQ
ORVODDWLVKHWJHKHOHJHKHXJHQJHZLVW2SGHGLVSOD\YHUVFKLMQWGH
PHOGLQJ
All Clear
Indicators
,QGLFDWRUV]LMQV\PEROHQLQGHGLVSOD\GLHGHVWDWXVYDQGHFDOFXODWRU
DDQJHYHQ
Indicator Status
SHIFT 'HVKLIWWRHWV  ZHUGLQJHGUXNW$OVXHHQDQGHUH
WRHWVLQGUXNWZRUGWGHIXQFWLHGLHERYHQGHWRHWV
LQKHWRUDQMHLVDDQJHJHYHQXLWJHYRHUG
STATS 'HVWDWLVWLHNWRHWV LVDFWLHI$OVXHHQDQGHUH
WRHWVLQGUXNWZRUGWGHIXQFWLHXLWJHYRHUGGLHERYHQ
GHWRHWVLQKHWSDDUVLVDDQJHJHYHQ
PEND (UPRHWYRRUGHEHZHUNLQJQRJHHQRSHUDQG
ZRUGHQLQJHYRHUG
BEGIN 'H%HJLQPRGXVLVDFWLHISDJLQD GHEHWDOLQJHQ
JHEHXUHQDDQKHWEHJLQYDQHHQSHULRGH
INPUT 'H WRHWVZHUGLQJHGUXNWHQHUZHUGHHQQXP
PHURSJHVODJHQ
'HEDWWHULMHQ]LMQELMQDOHHJSDJLQD 
AMORT 'HDPRUWLVDWLHLQGLFDWRULV]LFKWEDDUVDPHQPHW
ppQYDQGHYROJHQGHYLHULQGLFDWRUV
BAL +HWVDOGRYDQHHQDPRUWLVDWLHZRUGWZHHUJH
JHYHQSDJLQD 
INT 'HUHQWHYDQHHQDPRUWLVDWLHZRUGWZHHUJH
JHYHQSDJLQD 
PRIN 'HKRRIGVRPYDQHHQDPRUWLVDWLHZRUGWZHHUJH
JHYHQSDJLQD 
PER (UZRUGWHHQ DDQWDOSHULRGHVJHEUXLNWYRRUHHQ
DPRUWLVDWLHSDJLQD 
C-FLOW 'HFDVKIORZLQGLFDWRULV]LFKWEDDUVDPHQPHWppQ
YDQGHYROJHQGHWZHHLQGLFDWR UV
10B.book Page 26 Wednesday, June 28, 2000 3:31 PM
1: Om te beginnen 27
Shifttoets
9RRUELMQDDOOHWRHWVHQYDQGH+3%,,EHVWDDWHHQ
WZHHGH´VKLIWHGµIXQFWLHGLHLQKHWRUDQMHERYHQGH
EHWUHIIHQGHWRHWVVWDDW0HWGHRUDQMHVKLIWWRHWV
NULMJW
XWRHJDQJWRWGH]HIXQFWLHV
$OVXRS
GUXNWNULMJWXGHVKLIWLQGLFDWRUSHIFTWH
]LHQZDDUPHHZRUGWDDQJHJHYHQGDWGHVKLIWHGIXQFWLHV
DFWLHI]LMQ'H
SHIFTLQGLFDWRU]HWXXLWGRRUZHHURS
WHGUXNNHQ
8GUXNWELMYRRUEHHOGRS
HQYHUYROJHQVRS HYHQHHQVDOV
DDQJHJHYHQRPKHWJHWDOLQGHGLVSOD\PHW]LFK]HOIWHYHUPHQLJYXOGLJHQ
CF +HWQXPPHUYDQGHFDVKIORZLVNRUW]LFKWEDDU
ZDDUQDGHFDVKIORZZRUGWZHHUJHJHYHQ
N +HWQXPPHUYDQGHFDVKIORZLVNRUW]LFKWEDDU
ZDDUQDKHWDDQWDONHUHQGDWHHQFDVKIORZDFKW
HUHHQYROJHQVYRRUNRPWZRUGWZHHUJHJHYHQ
ERROR 'HIRXWLQGLFDWRULV]LFKWEDDUVDPHQPHWppQYDQ
GHYROJHQGHYLHULQGLFDWRUV
TVM (ULVHHQ790IRXWELMYRRUEHHOGRSORVVHQQDDU
3<5
FULL (UZHUGHQPHHUGDQFDVKIORZVLQJHYRHUGRIHU
ZHUGHQPHHUGDQQLHWRSJHORVWHKDDNMHVJHEUXLNW
STAT )RXWLHYHGDWDJHEUXLNWLQHHQVWDWLVWLVFKHEHUHNHQ
LQJRILQGLHQQLHWZHHUJHJHYHQZRUGWHUZHUGHHQ
VWDWLVWLVFKHEHUHNHQLQJXLWJHYRHUG
FUNC (ULVHHQZLVNXQGLJHIRXWJHEHXUGELMYRRUEHHOG
GHOHQGRRUQXO
STAT (UZHUGHHQVWDWLVWLVFKHEHUHNHQLQJXLWJHYRHUG
Indicator Status
10B.book Page 27 Wednesday, June 28, 2000 3:31 PM
28 1: Om te beginnen
Statistiektoets
'HVWDWLVWLHNWRHWV SDDUVJHNOHXUGZRUGWJHEUXLNWRP
WRHJDQJWHNULMJHQWRWVRPPDWLHVWDWLVWLHNHQXLWGH
VWDWLVWLVFKHJHKHXJHQUHJLVWHUV
$OVXRS
GUXNWNULMJWXGHVWDWLVWLHNLQGLFDWRUSTATSWH
]LHQ'LWEHWHNHQWGDWXppQYDQGH]HV
VRPPDWLHVWDWLVWLHNHQNXQWRSURHSHQPHWGHYROJHQGH
WRHWVDDQVODJ]LHSDJLQD 
%LMYRRUEHHOGGUXNRS
HQYHUYROJHQVRS RPGHVRPYDQGH
LQJHYRHUGH [ ZDDUGHQRSWHURHSHQ
INPUT-toets
'H WRHWVZRUGWJHEUXLNWRPWZHHJHWDOOHQWHVFKHLGHQ
DOVXZHUNWPHWHHQIXQFWLHPHWWZHHYDULDEHOHQRIPHW
VWDWLVWLHNHQPHWWZHHYDULDEHOHQ'H
WRHWVNDQRRN
ZRUGHQJHEUXLNWRPHHQZLVNXQGLJHEHZHUNLQJDOWLMGHQGH
YHUZHUNLQJWHHYDOXHUHQLQGLWJHYDONULMJWXKHW]HOIGH
UHVXOWDDWDOVGRRUKHWLQGUXNNHQYDQ

SWAP-toets
'RRURS WHGUXNNHQZRUGWKHWYROJHQGHYHUZLVVHOG
'HODDWVWHWZHHJHWDOOHQGLH]LMQLQJHYRHUGRP
ELMYRRUEHHOGELMGHOHQHQDIWUHNNHQGHYROJRUGHWH
YHUDQGHUHQ
'HRSORVVLQJHQYDQHHQIXQFWLHGLHWZHHZDDUGHQ
EHUHNHQW
'H[HQ\ZDDUGHQELMVWDWLVWLVFKHWRHSDVVLQJHQ
10B.book Page 28 Wednesday, June 28, 2000 3:31 PM
1: Om te beginnen 29
Wiskundige functies
Functies met één onbekende. :LVNXQGLJHIXQFWLHV
ZDDUppQRQEHNHQGHLQYRRUNRPWJHEUXLNHQKHWJHWDOLQGH
GLVSOD\DOVRQEHNHQGH
Functies met twee onbekenden. $OVHUYRRUHHQ
IXQFWLHWZHHJHWDOOHQQRGLJ]LMQZRUGHQGH]HDOVYROJW
LQJHYRHUGJHWDO
JHWDOHQYHUYROJHQVGHXLWWHYRHUHQ
EHZHUNLQJ$OVXRS
GUXNWZRUGWGHKXLGLJH
XLWGUXNNLQJEHUHNHQGHQ]LHWXGH
INPUTLQGLFDWRU'RRU
GHYROJHQGHWRHWVDDQVODJHQZRUGWELMYRRUEHHOGGH
SURFHQWXHOHYHUDQGHULQJWXVVHQHQEHUHNHQG
Toetsen: Display: Beschrijving:
9,45
%HUHNHQWGHYLHU
NDQWVZRUWHO
0,42
ZRUGWHHUVW
EHUHNHQG
3,99
7HOWHQELM
HONDDURS
Toetsen: Display: Beschrijving:
17,00
9RHUWJHWDOLQGH
INPUTLQGLFDWRUYHU
VFKLMQW
29_
9RHUWJHWDOLQ
70,59
%HUHNHQWGHSURFHQWXHOH
YHUDQGHULQJ
10B.book Page 29 Wednesday, June 28, 2000 3:31 PM
30 1: Om te beginnen
Het formaat van getallen tonen
$OVXGH+3%,,YRRUKHWHHUVWDDQ]HWZRUGHQJHWDOOHQ
LQWZHHGHFLPDOHQQDXZNHXULJJHWRRQGPHWHHQGHFLPDOH
SXQW+HWDDQWDOFLMIHUVGDWXLQGHGLVSOD\]LHWZRUGW
EHSDDOGGRRUGHJHWDOQRWDWLH
$OVKHWUHVXOWDDWYDQHHQEHUHNHQLQJHHQJHWDOLVPHWPHHU
VLJQLILFDQWHFLMIHUVGDQLQGHKXLGLJHQRWDWLHNDQZRUGHQ
JHWRRQGZRUGWKHWJHWDODIJHURQG]RGDWKHWLQGHKXLGLJHGLVSOD\
LQVWHOOLQJSDVW
2QJHDFKWGHKXLGLJHGLVSOD\QRWDWLHZRUGWLHGHUJHWDORSJHVODJHQDOVHHQ
FLMIHULJJHWDOGDWYDQHHQWHNHQLVY RRU]LHQPHWHHQGULHFLMIHULJH
H[SRQHQWRRNYDQHHQWHNHQYRRU]LHQ
Het aantal getoonde decimalen aangeven
*DDOVYROJWWHZHUNRPKHWDDQWDOJHWRRQGHGHFLPDOHQDDQ WHJHYHQ
 'UXNRS
 9RHUKHWDDQWDOGHFLPDOHQWPLQGDWXZLOW]LHQ
$OVHHQJHWDOWHJURRWRIWHNOHLQLVRPLQKHW',63IRUPDDWJHWRRQGWH
ZRUGHQZRUGWKHWDXWRPDWLVFKLQGHZHWHQV FKDSSHOLMNHQRWDWLHJHWRRQG
Toetsen: Display: Beschrijving:
0,00
:LVWGHGLVSOD\
0,000
7RRQWGULHGHFLPDOHQ
5,727
5,727360000
7RRQWQHJHQGHFL
PDOHQ
5,73
7HUXJQDDUGHQRWDWLH
PHWWZHHGHFLPDOHQ
+HWJHWDOLQGHGLVSOD\
ZRUGWDIJHURQG
10B.book Page 30 Wednesday, June 28, 2000 3:31 PM
1: Om te beginnen 31
Wetenschappelijke notatie
'HZHWHQVFKDSSHOLMNHQRWDWLHZRUGWJHEUXLNWYRRUJHWDOOHQ
GLHWHJURRWRIWHNOHLQ]LMQYRRUGHGLVSOD\$OVX
ELMYRRUEHHOGKHWJHWDO

LQYRHUWLVKHWUHVXOWDDW(GDWEHWHNHQWppQNHHU
WLHQWRWGHYHHUWLHQGHPDFKWRIZDDUELMGHGHFLPDOH
NRPPDYHHUWLHQSODDWVHQ QDDUUHFKWVZRUGWJHVFKRYHQ8
NXQWGLWJHWDOLQYRHUHQGRRU
LQWHWRHWVHQ'H(
EHWHNHQWGH´H[SRQHQWYDQWLHQµ
9RRU]HHUNOHLQHJHWDOOHQNXQQHQH[SRQHQWHQRRNQHJDWLHIZRUGHQ+HW
JHWDO]LHWXDOV(²GLWEHWHNHQWYLHUNHHUWLHQWRW
GHQHJDWLHYHWZDDOIGHPDFKWRI´ZDDUELMGHGHFLPDOHNRPPD
SODDWVHQQDDUOLQNVLVYHUVFKRYHQµ8NXQWGLWJHWDOLQYRHU HQGRRU
LQWHWRHWVHQ
Getallen met volledige nauwkeurigheid tonen
'RRURS WHGUXNNHQVWHOWXGHFDOFXODWRULQRP
JHWDOOHQ]RQDXZNHXULJPRJHOLMNWHWRQ HQQXOOHQDFKWHU
KHWJHWDOZRUGHQQLHWJHWRRQG$OVXWLMGHOLMNDOOHFLMIHUV
YDQKHWJHWDOLQGHGLVSOD\ZLOWEHNLMNHQRQDIKDQNHOLMNYDQ
GHLQJHVWHOGHJHWDOQRWDWLHGUXNWXRS
HQKRXGWX
LQJHGUXNW8]LHWKHWJHWDO]RODQJX LQJHGUXNWKRXGW
'HGHFLPDOHNRPPDZRUGWQLHWJHWRRQG
%HJLQPHWWZHHGHFLPDOHQ

Punt en komma verwisselen
8NXQWGHSXQWHQGHNRPPDPHWHONDDUYHUZLVVHOHQDOV
GHFLPDDOVFKHLGLQJVWHNHQRIDOVVFKHLGLQJVWHNHQWXVVHQ
FLMIHUV$QJHOVDNVLVFKHYHUVXVLQWHUQDWLRQDOHQRWDWLHGRRU
RS
WHGUXNNHQ
(pQPLOMRHQNDQELMYRRUEHHOGDOVZRUGHQ
JHWRRQGRIDOV
Toetsen: Display: Beschrijving:
1,43
9RHUWGHGHOLQJXLW
142857142857
7RRQWDOOHFLMIHUV
10B.book Page 31 Wednesday, June 28, 2000 3:31 PM
32 1: Om te beginnen
Het afronden van getallen
'HFDOFXODWRUVODDWJHWDOOHQRSLQ FLMIHUVHQUHNHQW
HYHQHHQVPHWJHWDOOHQYDQFLMIHUV$OVGH
QDXZNHXULJKHLGYDQFLMIHUVQLHWZHQVHOLMNLVNXQWXPHW
KHWJHWDODIURQGHQQDDUGHQ RWDWLHYDQGHGLVSOD\
YRRUGDWXKHWYRRUHHQYHUGHUHEHUHNHQLQJJHEUXLNW+HW
DIURQGHQYDQFLMIHUVLV]HHUKDQ GLJDOVXGHZHUNHOLMNH
PDDQGHOLMNHEHWDOLQJHQGROODUVHQFH QWVZLOWEHUHNHQHQ
Meldingen
'H+3%,,JHHIWPHOGLQJHQZHHURYHUGHVWDWXVYDQGHFDOFXODWRUZHHU
RIODDWXZHWHQZDQQHHUXHHQYHUNHHUGHEHZHUNLQJSUREHHUWXLWWH
YRHUHQ'RRURS
RI WHGUXNNHQYHUZLMGHUWXGHPHOGLQJYDQGH
GLVSOD\=LH´0HOGLQJHQµRSSDJLQD YRRUHHQYHUNODULQJYDQGH
PHOGLQJHQ
Toetsen: Display: Beschrijving:
9,87654321_
9RHUWHHQJHWDOLQPHW
PHHUGDQWZHHGHFL
PDOHQYHUVFKLOOHQGYDQ
QXO
9,88
7RRQWWZHHGHFLPDOHQ
987654321000
7RRQWDOOHFLMIHUV
]RQGHUGHGHFLPDOH
SXQW]RODQJX
LQJH
GUXNWKRXGW
9,88
5RQGWDIRSWZHHGHFL
PDOHQLQJHVWHOGGRRU
KHWLQWRHWVHQYDQ
KLHUYRRU
988000000000
7RRQWKHWDIJHURQGHHQ
RSJHVODJHQJHWDO
10B.book Page 32 Wednesday, June 28, 2000 3:31 PM
2: Economische percentages 33
2
Economische percentages
8NXQWGH+3%,,JHEUXLNHQRPSHUFHQWDJHVSURFHQWXHOH
YHUDQGHULQJHQNRVWHQSULMVPDUJHHQEUXWRZLQVWWHEHUHNHQHQ
Procenttoets
'H WRHWVKHHIWWZHHIXQFWLHVKHWEHUHNHQHQYDQHHQ
SHUFHQWDJHHQKHWRSWHOOHQRIDIWUHNNHQYDQHHQ
SHUFHQWDJH
Een percentage berekenen
'H WRHWVGHHOWHHQJHWDOGRRUWHQ ]LMHUHHQSOXVRIHHQPLQWHNHQ
DDQYRRUDIJDDW
Voorbeeld. %HUHNHQYDQ
Toetsen: Display: Beschrijving:
200,00
9RHUWLQ
0,25
=HWRPLQHHQGHFL
PDDOJHWDO
50,00
9HUPHQLJYXOGLJWPHW

10B.book Page 33 Wednesday, June 28, 2000 3:31 PM
34 2: Economische percentages
Een percentage optellen of aftrekken
8NXQWLQppQEHUHNHQLQJHHQSHUF HQWDJHRSWHOOHQRI DIWUHNNHQ
Voorbeeld. 9HUPLQGHUPHW
Voorbeeld. 8OHHQWYDQHHQYULHQ GHQXNRPWRYHUHHQRPGH
OHQLQJQDppQMDDUPHWHQNHOYRXGLJHUHQWHWHUXJWHEHWDOHQ:DWEHQWX
GDQVFKXOGLJ"
Procentuele verandering
%HUHNHQWGHSURFHQWXHOHYHUDQGHULQJWXVVH QWZHHJHWDOOHQ
Q
HQQ  XLWJHGUXNWDOVSHUFHQWDJHYDQQ GRRUQ Q
LQWHYRHUHQHQYHUYROJHQVRS
WHGUXNNHQ
Voorbeeld. %HUHNHQGHSURFHQ WXHOHYHUDQGHULQJWXVVHQ
HQ
Toetsen: Display: Beschrijving:
200,00
9RHUWLQ
50,00
9HUPHQLJYXOGLJW
PHW
150,00
7UHNWYDQDI
Toetsen: Display: Beschrijving:
87,50
%HUHNHQWGHUHQWHYDQ
GHOHQLQJ
1.337,50
7HOWHQ
ELMHONDDURSHQWRRQW
EHGUDJGDWXPRHWWHU
XJEHWDOHQ
Toetsen: Display: Beschrijving:
291,70
9RHUWQ LQ
8,60
%HUHNHQWGHSURFHQWX
HOHYHUDQGHULQJ
10B.book Page 34 Wednesday, June 28, 2000 3:31 PM
2: Economische percentages 35
Voorbeeld. %HUHNHQGHSURFHQ WXHOHYHUDQGHULQJWXVVHQïHQ

Berekening van marge en brutowinst
'H+3%,,NDQNRVWHQYHUNRRSSULMVPDUJHRIEUXWRZLQVWEHUHNHQHQ
$OVXHHQYDQGHZDDUGHQZLOWEHNLMNHQGLHELMGHEHUHNHQLQJYDQPDUJH
HQEUXWRZLQVWZRUGWJHEUXLNWGUXNWXRS
HQYHUYROJHQVRSGHWRHWV
GLHXZLOWEHNLMNHQ%LMYRRUEHHOGDOVXGHZDDUGHGLHLQ
LVRSJHVODJHQ
ZLOW]LHQGUXNWXRS
0DUJHHQEUXWRZLQVWKHEEHQKHW]HOIGH
RSVODJUHJLVWHU$OVXRSVODDWLQ
HQYHUYROJHQ VRS GUXNW]LHW
X
Margeberekeningen
Voorbeeld. .LORZDWW(OHFWURQLFVNRRSWWHOHYLVLHVLQYRRU'H
WHOHYLVLHVZRUGHQWHJHQYHUNRFKW+RHJURRWLVGHPDUJH"
Toetsen: Display: Beschrijving:
60,00
%HUHNHQWHQYRHUWQ LQ
38,33
%HUHNHQWSURFHQWXHOH
YHUDQGHULQJ
Toepassing Toetsen Beschrijving
0DUJH
, ,
'HPDUJHLVGHEUXWRZLQVWXLW
JHGUXNWDOVSHUFHQWDJHYDQGH
SULMV
%UXWRZLQVW
, ,
%UXWRZLQVWEHUHNHQLQJHQ
ZRUGHQXLWJHGUXNWDOVSHUFHQW
DJHYDQGHNRVWHQ
Toetsen: Display: Beschrijving:
255,00
6ODDWGHNRVWHQLQN
RRSSULMVRSLQ&67
300,00
6ODDWGHYHUNRRSSULMV
RSLQ35&
15,00
%HUHNHQWGHPDUJH
10B.book Page 35 Wednesday, June 28, 2000 3:31 PM
36 2: Economische percentages
Berekeningen van de brutowinst ten opzichte van de
kosten
Voorbeeld. 'HVWDQGDDUGE UXWRZLQVWRSNHWWLQJHQLVELM.OHLQ HU·V
.RVPHWLTXH=LMKHEEHQHHQ]HQGLQJFKRNHUFROOLHUVR QWYDQJHQGLH
SHUVWXNNRVWHQ:DWLVGHYHUNRRSSULMVSHUFKRNHU"
Marge en brutowinst tegelijkertijd gebruiken
Voorbeeld. (HQFR|SHUDWLHILQNRRSEXUHD XNRRSWNLVWHQPHWEOLNNHQ
VRHSLQWHJHQHHQ IDFWXXUSULMVYDQSHUNLVW$OVGHFR| SHUDWLH
JHZRRQOLMNHHQ EUXWRZLQVWYDQKDQWHHUWWHJHQZHONHSULMVPRHWHHQ
NLVWVRHSEOLNNHQGDQZRUGHQYHUNRFKW"(QKRHJURRWLVGHPDUJH"
Toetsen: Display: Beschrijving:
19,00
6ODDWGHNRVWHQRS
60,00
6ODDWGHEUXWRZLQVWRS
30,40
%HUHNHQWGHYHUNRRS
SULMV
Toetsen: Display: Beschrijving:
9,60
6ODDWGHLQNRRSNRVWHQ
RS
15,00
6ODDWGHEUXWRZLQVWRS
11,04
%HUHNHQWGHSULMVYDQ
HHQNLVWVRHSEOLNNHQ
13,04
%HUHNHQWGHPDUJH
10B.book Page 36 Wednesday, June 28, 2000 3:31 PM
3: Het opslaan van getallen en rekenkundige bewerkingen 37
3
Het opslaan van getallen en
rekenkundige bewerkingen
Het gebruik van opgeslagen getallen bij
berekeningen
8NXQWRSYHUVFKLOOHQGHPDQLHUHQJHWDOOHQRSVODDQHQGH]HYHUYROJHQV
RSQLHXZJHEUXLNHQ
*HEUXLN FRQVWDQWRPHHQJHWDOHQGHGDDUELMEHKRUHQGH
RSHUDQGRSWHVODDQDOVXGLWYDDNZLOWJHEUXLNHQ
*HEUXLNJHKHXJHQWRHWVHQ  HQ RPPHWppQ
WRHWVDDQVODJJHWDOOHQRSWHVODDQWHODGHQHQELMHONDDURSWHWHOOHQ
*HEUXLN HQ RPJHWDOOHQRSWHVODDQLQRIWHODGHQXLWGH
JHQXPPHUGHUHJLVWHUV
Het gebruik van constanten
*HEUXLN RPHHQJHWDOHQHHQUHNHQNXQGLJHRSHUDWRU
RSWHVODDQYRRUKHUKDOHQGHEHZHUNLQJHQ1DGDWGH
FRQVWDQWHEHZHUNLQJLVRSJHVODJHQYRHUWXHHQJHWDOLQHQ
GUXNWXRS
'HRSJHVODJHQEHZHUNLQJZRUGWXLWJHYRHUG
PHWKHWJHWDOGDWLQGHGLVSOD\VWDDW
10B.book Page 37 Wednesday, June 28, 2000 3:31 PM
38 3: Het opslaan van getallen en rekenkundige bewerkingen
Voorbeeld. %HUHNHQHQ
Voorbeeld. %HUHNHQHQ
Toetsen Bewerking
JHWDO
6ODDW´JHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´²JHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´ïJHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´¸JHWDOµRSDOVHHQFRQVWDQWH
[ZDDUGH
6ODDW´\ µRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´JHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´²JHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´ïJHWDOµRSDOVHHQFRQVWDQWH
JHWDO
6ODDW´¸JHWDOµRSDOVHHQFRQVWDQWH
Toetsen: Display: Beschrijving:
2,00
6ODDW´µRSDOVHHQ
FRQVWDQWH
7,00
7HOWRS
8,00
7HOWRS
9,00
7HOWRS
Toetsen: Display: Beschrijving:
1,00
6ODDW´µRSDOV
HHQFRQVWDQWH
11,00
7HOWELMRS
12,10
7HOWELMRS
27,50
7HOWELMRS
10B.book Page 38 Wednesday, June 28, 2000 3:31 PM
3: Het opslaan van getallen en rekenkundige bewerkingen 39
Voorbeeld. %HUHNHQ HQ
Het gebruik van het M-register
'H  HQ WRHWVHQYRHUHQJHKHXJHQEHZHUNLQJHQ
XLWRSHHQHQNHOYRXGLJRSVODJUHJLVWHUKHW0UHJLVWHU,QGH
PHHVWHJHYDOOHQLVKHWQLHWQRGLJRPKHW0UHJLVWHUWH
ZLVVHQDDQJH]LHQPHW
GHUHHGVDDQZH]LJHLQKRXG
ZRUGWYHUYDQJHQ8NXQWKHW0UHJLVWHUHFKWHUZLVVHQ
GRRURS
WHGUXNNHQ$OVXHHQDDQWDOJHWDOOHQDDQ
KHW0UHJLVWHUWRHYRHJWNXQWX
JHEUXLNHQRPKHW
HHUVWHJHWDORSWHVODDQHQ
RPGHYROJHQGHJHWDOOHQLQWHEUHQJHQ8
WUHNWKHWZHHUJHJHYHQJHWDOYDQKHWJHWDOLQKHW0UHJLVWHUDIGRRURS
HQYHUYROJHQVRS
WHGUXNNHQ
Voorbeeld. 7HOPHWEHKXOSYDQKHW0UHJLVWHUDQGELM
HONDDURS7UHNGDDUYHUYROJHQVYDQDIHQKDDOKHWUHVXOWDDWRS
Toetsen: Display: Beschrijving:
3,00
6ODDW´\ µRSDOVHHQFRQVWDQWH
8,00
%HUHNHQW
64,00
%HUHNHQW
Toetsen Beschrijving
6ODDWKHWZHHUJHJHYHQJHWDOLQKHW0UHJLVWHURS
+DDOWKHWJHWDOXLWKHW0UHJLVWHURS
7HOWKHWZHHUJHJHYHQJHWDORSELMKHWLQJHWDOLQ
KHW0UHJLVWHU
Toetsen: Display: Beschrijving:
17,00
6ODDWLQKHW0UHJLVWHURS
14,25
7HOWELMKHW0UHJLVWHURS
16,95
7HOWELMKHW0UHJLVWHURS
–4,65
7HOW²ELMKHW0UHJLVWHURS
43,55
+DDOWGHLQKRXGYDQKHW0
UHJLVWHURS
10B.book Page 39 Wednesday, June 28, 2000 3:31 PM
40 3: Het opslaan van getallen en rekenkundige bewerkingen
Het gebruik van genummerde registers
0HWGH HQ WRHWVHQNULMJWXWRHJDQJWRWGH
RSVODJUHJLVWHUV0HWGH
WRHWVNRSLHHUWXKHW
ZHHUJHJHYHQJHWDOQDDUHHQEHSDDOGUHJLVWHU0HWGH
WRHWVNRSLHHUWXHHQJHWDOXLWHHQUHJLVWHUQDDUGHGLVSOD\
(HQJHWDORSVODDQRIRSYUDJHQLQWZHHVWDSSHQ
 'UXNRS
RI $OVXGH]HVWDSRQJHGDDQZLOWPDNHQGUXNW
XRS
RIRS 
 9RHUKHWQXPPHUYDQKHWUHJLVWHULQWRWHQPHW
,QKHWYROJHQGHYRRUEHHOGZRUGHQWZHHRSVODJUHJLVWHUVJHEUXLNW
%HUHNHQKHWYROJHQGH
HQ
8NXQW
HQ RRNJHEUXLNHQYRRUWRHSDVVLQJVUHJLVWHUVPDDUQLHW
ELMVWDWLVWLHN%LMYRRUEHHOGPHW
VODDWXKHWJHWDOGDWLQGH
GLVSOD\VWDDWLQKHW
UHJLVWHURS0HW NRSLHHUWXGHLQKRXGYDQ
QDDUGHGLVSOD\
,QGHPHHVWHJHYDOOHQLVKHWQLHWQRGLJRPGHRSVODJUHJLVWHUVWHZLVVHQ
RPGDWGRRUKHWRSVODDQYDQJHWDOOHQGHUHHGVDDQZH]LJHLQKRXGZRUGW
YHUYDQJHQ8NXQWDI]RQGHUOLMNHUHJLVWHUVZLVVHQGRRUHULQRSWHVODDQ
8ZLVWDOOHUHJLVWHUVWHJHOLMNHUWLMGGRRURS
WHGUXNNHQ
Toetsen: Display: Beschrijving:
475,60
6ODDWKHWZHHUJHJHYHQ
JHWDOLQ5
RS
39,15
6ODDWLQ5 RS
12,15
+LHUPHHLVGHHHUVWHEHUHNHQLQJ
DI
475,60
9UDDJW5 RS
39,15
9UDDJW5 RS
26,45
+LHUPHHLVGHWZHHGH
EHUHNHQLQJDI
475
6
,
39 15,
---------------
560
1
, 475
6
,+
39
15,
-------------------------------------
10B.book Page 40 Wednesday, June 28, 2000 3:31 PM
3: Het opslaan van getallen en rekenkundige bewerkingen 41
Rekenkundige bewerkingen uitvoeren binnen een
register
8NXQWLQGHRSVODJUHJLVWHUV5 WRWHQPHW5 UHNHQNXQGLJHEHZHUNLQJHQ
XLWYRHUHQ+HWUHVXOWDDWZRUGWLQKHWUHJLVWHURSJHVODJHQ
Voorbeeld. 6ODLQ5 RSYHUPHQLJYXOGLJGLWPHWHQVODKHW
UHVXOWDDWLQ5
RS
Toetsen Nieuw getal in register
UHJLVWHUQXPPHU 5HHGVDDQZH]LJHLQKRXGKHW
ZHHUJHJHYHQJHWDO
UHJLVWHUQXPPHU 5HHGVDDQZH]LJHLQKRXG²KHW
ZHHUJHJHYHQJHWDO
UHJLVWHUQXPPHU 5HHGVDDQZH]LJHLQKRXGïKHW
ZHHUJHJHYHQJHWDO
UHJLVWHUQXPPHU 5HHGVDDQZH]LJHLQKRXG¸KHW
ZHHUJHJHYHQJHWDO
Toetsen: Display: Beschrijving:
45,70
6ODDWLQ5 RS
2,50
9HUPHQLJYXOGLJW
LQ5
PHWHQVODDW
KHWUHVXOWDDWLQ
5
RS
114,25
*HHIW5 ZHHU
10B.book Page 41 Wednesday, June 28, 2000 3:31 PM
42 3: Het opslaan van getallen en rekenkundige bewerkingen
Rekenkundige bewerkingen uitvoeren
:LVNXQGLJHIXQFWLHVZRUGHQRSKHWJHWDOLQGHGLVSOD\
XLWJHYRHUG
Voorbeeld. %HUHNHQ HQYHUYROJHQV 
Voorbeeld. %HUHNHQGHQDWXXUOLMNHORJDULWPHH %HUHNHQYHUYROJHQV

Toetsen: Display: Beschrijving:
0,25
%HUHNHQWGHUHFLSURTXH
YDQ
4,47
%HUHNHQW
√

51,67
%HUHNHQW
√

1,21
%HUHNHQW
52,88
'HEHZHUNLQJLVNODDU
Toetsen: Display: Beschrijving:
12,18
%HUHNHQWH 
2,50
%HUHNHQWGHQDW
XXUOLMNHORJDULWPHYDQ
KHWUHVXOWDDW
24,00
%HUHNHQWIDFXOWHLW
814,00
'HEHZHUNLQJLVNODDU

10B.book Page 42 Wednesday, June 28, 2000 3:31 PM
3: Het opslaan van getallen en rekenkundige bewerkingen 43
Machtverheffingsoperator
'HPDFKWYHUKHIILQJVRSHUDWRU YHUKHIWKHW
YRRUJDDQGHJHWDO\ZDDUGHWRWGHPDFKWYDQKHW
GDDURSYROJHQGHJHWDO[ZDDUGH
Voorbeeld. %HUHNHQ HQEHUHNHQYHUYROJHQVGHGHUGHPDFKWVZRUWHO
YDQ
Het gebruik van haakjes in berekeningen
'RRUKDDNMHVWHJHEUXLNHQNXQWXKHWEHUHNHQHQYDQHHQWXVVHQWLMGV
UHVXOWDDWXLWVWHOOHQWRWGDWXPHHUJHWDOOHQKHEWLQJHYRHUG8NXQWWRWYLHU
RSHQKDDNMHVJHEUXLNHQLQHONHEHUHNHQLQJ9HURQGHUVWHOGDWXKHW
YROJHQGHZLOWEHUHNHQHQ
$OVX
LQYRHUWJHHIWGHFDOFXODWRUKHWWXVVHQWLMGVUHVXOWDDW
ZHHU'LWUHVXOWDDWNULMJWXRPGDWEHUHNHQLQJHQZDDUJHHQKDDNMHVLQ
VWDDQYDQOLQNVQDDUUHFKWVZRUGHQXLWJHYRHUGQHW]RDOVX]HLQYRHUW$OV
XGHGHOLQJZLOWXLWVWHOOHQWRWGDWXYDQKHEWDIJHWURNNHQPRHWX
KDDNMHVJHEUXLNHQ+HWVOXLWHQYDQGHKDDNMHVDDQKHWHLQGHYDQHHQ
XLWGUXNNLQJNDQZRUGHQZHJJHODWHQ%LMYRRUEHHOGKHWLQYRHUHQYDQ´
÷
ï µLVJHOLMNDDQKHWLQYRHUHQYDQ´
÷
ï µ
Toetsen: Display: Beschrijving:
1.953.125,00
%HUHNHQW
5,00
%HUHNHQWGHGHUGH
PDFKWVZRUWHOYDQ
ZDWJHOLMNLVDDQ

 
–()
----------------------
×
10B.book Page 43 Wednesday, June 28, 2000 3:31 PM
44 3: Het opslaan van getallen en rekenkundige bewerkingen
Toetsen: Display: Beschrijving:
85,00
(UZRUGWQRJQLHWV
EHUHNHQG
73,00
%HUHNHQW²
0,41
%HUHNHQW
÷

3,70
9HUPHQLJYXOGLJWKHW
UHVXOWDDWPHW
10B.book Page 44 Wednesday, June 28, 2000 3:31 PM
4: Financiële problemen in beeld brengen 45
4
Financiële problemen in beeld
brengen
Het benaderen van een financieel probleem
'HZRRUGHQVFKDWYDQGH+3%,,LVYHUHHQYRXGLJGRPDOOHILQDQFLsOH
WHUPHQWHNXQQHQRPYDWWHQ+HWNDQ]LMQGDWELQQHQXZYDNJHELHGGH
WHUPVDOGREDOORQEHWDOLQJUHVLGXZDDUGHYHUYDOZDDUGHRIXLWVWDDQGEHGUDJZRUGW
JHEUXLNWRPHHQZDDUGHDDQWHJHYHQGLHGH+3%,,NHQWDOV
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10B.book Page 45 Wednesday, June 28, 2000 3:31 PM
46 4: Financiële problemen in beeld brengen
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10B.book Page 46 Wednesday, June 28, 2000 3:31 PM
4: Financiële problemen in beeld brengen 47
Periodes en cashflows
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10B.book Page 47 Wednesday, June 28, 2000 3:31 PM
48 4: Financiële problemen in beeld brengen
Samengestelde rente
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10B.book Page 48 Wednesday, June 28, 2000 3:31 PM
4: Financiële problemen in beeld brengen 49
De rentevoet
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10B.book Page 49 Wednesday, June 28, 2000 3:31 PM
50 4: Financiële problemen in beeld brengen
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YLMIMDDUODWHU'HUHQWHZRUGWPDDQGHOLMNVVDPHQJHVWHOG,QGLWYRRUEHHOG
LV307
JHOLMNDDQQXO
$DQWDOSHULRGHVRIEHWDOLQJHQ
-DDUOLMNVHUHQWHYRHWJHZRRQOLMNGHMDDUOLMNVHQRPLQDOHUHQWH
+XLGLJHZDDUGHGHFDVKIORZDDQKHWEHJLQYDQGHWLMGOLMQ
3HULRGLHNHEHWDOLQJ
7RHNRPVWLJHZDDUGHGHFDVKIORZDDQKHWHLQGYDQKHWFDVKIORZ
GLDJUDPRSJHWHOGELMSHULRGLHNHEHWDOLQJHQ
10B.book Page 50 Wednesday, June 28, 2000 3:31 PM
4: Financiële problemen in beeld brengen 51
790EHUHNHQLQJHQZRUGHQLQKHWYROJHQGHKRRIGVWXNEHKDQGHOG
Het herkennen van een cashflowvraagstuk
(HQILQDQFLHHOYUDDJVWXNZDDUELMJHHQVSUDNHLVYDQUHJHOPDWLJH
XQLIRUPHEHWDOLQJHQVRPVRQHYHQFDVKIORZVJHQRHPGLVHHQ
FDVKIORZYUDDJVWXNHQJHHQ790YUDDJVWXN
+LHURQGHUYLQGWXHHQFDVKIORZGLDJUDPYRRUHHQLQYHVWHULQJLQHHQ
EHOHJJLQJVIRQGV'LWLVHHQYRRUEHHOGYDQHHQYUDDJVWXNGDWRIPHW
QHWWRKXLGLJHZDDUGHRIPHW LQWHUQMDDUOLMNVUHQGHPHQW
ZRUGWRSJHORV
10B.book Page 51 Wednesday, June 28, 2000 3:31 PM
52 4: Financiële problemen in beeld brengen
&DVKIORZYUDDJVWXNNHQZRUGHQEHVFKUHYHQLQKRRIGVWXN
10B.book Page 52 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 53
5
“Time Value of Money”-
berekeningen
Het gebruik van de TVM-functie
'H790IXQFWLHZRUGWJHEUXLNWELMGHEHUHNHQLQJYDQ
VDPHQJHVWHOGHUHQWHZDDUELMVSUDNHLVYDQXQLIRUPH
FDVKIORZVGLHZHEHWDOLQJHQQRHPHQ1DGDWGHZDDUGHQ
]LMQLQJHYRHUGNXQWXWHONHQVppQZDDUGHYDULsUHQ]RQGHU
DOOHZDDUGHQRSQLHXZLQWHYRHUHQ
(UPRHWDDQEHSDDOGHYRRUZDDUGHQZRUGHQYROGDDQRPGH790IXQFWLH
WHNXQQHQJHEUXLNHQ
+HWEHGUDJYDQLHGHUHEHWDOLQJPRHWJHOLMN]LMQ$OVGHJURRWWHYDQGH
EHWDOLQJHQYDULHHUWPRHWXGHZHUNZLM]HYROJHQGLHEHVFKUHYHQVWDDW
LQKRRIGVWXN´&DVKIORZEHUHNHQLQJHQµ
%HWDOLQJHQPRHWHQPHWUHJHOPDWLJHWXVVHQSR]HQJHGDDQZRUGHQ
'HEHWDOLQJVSHULRGHPRHWVDPHQYDOOHQPHWGHSHULRGHZDDURYHUGH
VDPHQJHVWHOGHUHQWHZRUGWEHUHNHQG,VGLWQLHWKHWJHYDOYHUDQGHU
GDQGHUHQWHYRHWPHWGHWRHWVHQ
 HQ ]RDOVGDW
RSSDJLQD ZRUGWEHVFKUHYHQ
(UPRHWWHQPLQVWHppQSRVLWLHYHHQppQQHJDWLHYHFDVKIORZ
YRRUNRPHQ
10B.book Page 53 Wednesday, June 28, 2000 3:31 PM
54 5: “Time Value of Money”-berekeningen
8NXQWZDDUGHQYHULILsUHQGRRURS    HQ
WHGUXNNHQ$OVXRS GUXNWZRUGWKHWWRWDDODDQWDO
EHWDOLQJHQJHGXUHQGHDOOHMDUHQJHWRRQGHQDOVXRS
GUXNW
ZRUGWKHWDDQWDOEHWDOLQJHQSHUMDDURSJHURHSHQ+HWRSYUDJHQYDQGH]H
JHWDOOHQYHUDQGHUWGHLQKRXGYDQGHUHJLVWHUVQLHW
Toets Slaat op of berekent
+HWDDQWDOEHWDOLQJHQRIFXPXODWLHYHSHULRGHV
'HMDDUOLMNVHQRPLQDOHUHQWHYRHW
'HKXLGLJHZDDUGHYDQWRHNRPVWLJHFDVKIORZV39
LVJHZRRQOLMNHHQHHUVWHLQYHVWHULQJRIHHQJHOHHQG
EHGUDJHQNRPWDOWLMGDDQKHWEHJLQYDQGHHHUVWH
SHULRGHYRRU
+HWEHGUDJYDQGHSHULRGLHNHEHWDOLQJHQ$OOH
EHWDOLQJHQ]LMQHYHQJURRWHQHUZRUGWJHHQHQNHOH
RYHUJHVODJHQEHWDOLQJHQNXQQHQDDQKHWEHJLQRI
DDQKHWHLQGYDQGHSHULRGHJHGDDQZRUGHQ
'HWRHNRPVWLJHZDDUGH)9LVRIHHQODDWVWHFDVK
IORZRIGHVDPHQJHVWHOGHZDDUGHYDQHHQUHHNVHHU
GHUHFDVKIORZV)9NRPWDDQKHWHLQGYDQGH
ODDWVWHSHULRGHYRRU
6ODDWKHWDDQWDOSHULRGHVSHUMDDURS'HVWDQGDDUG
ZDDUGHLV6WHOGLWDOOHHQRSQLHXZLQDOVXHHQ
YHUDQGHULQJZLOWDDQEUHQJHQ'H]HWRHWVEHYLQGW
]LFKRQGHUGH
WRHWV
2SWLRQHOHYHUNRUWHPDQLHUYRRUKHWLQYRHUHQYDQ
1KHWJHWDOLQGHGLVSOD\ZRUGWYHUPHQLJYXOGLJG
PHWGHZDDUGHLQ3<5HQKHWUHVXOWDDWZRUGWLQ1
RSJHVODJHQ'H]HWRHWVYLQGWXRQGHUGH
WRHWV
:LVVHOWWXVVHQGH%HJLQHQ(LQGPRGXV,QGH
%HJLQPRGXV]LHWXGH
BEGINLQGLFDWRU
%HUHNHQWHHQDIEHWDOLQJVWDEHO
10B.book Page 54 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 55
TVM-registers wissen
'RRURS WHGUXNNHQZLVWXDOOH790UHJLVWHUV+LHUGRRUNULMJHQ
1,<539307HQ)9GHZDDUGHQXO'HKXLGLJHZDDUGHYDQ3<5
YHUVFKLMQWNRUWLQGHGLVSOD\
Begin- en Eindmodus
9RRUGDWXDDQHHQ790EHUHNHQLQJEHJLQWPRHWX
DDQJHYHQRIGHHHUVWHSHULRGLHNHEHWDOLQJDDQKHWEHJLQRI
DDQKHWHLQGYDQGHHHUVWHSHULRGHYRRUNRPW$OVGHHHUVWH
EHWDOLQJDDQKHWHLQGYDQGHHHUVWHSHULRGHJHEHXUWPRHW
XGH+3%,,RS(LQGPRGXVLQVWHOOHQ$OVGH]HDDQKHW
EHJLQYDQGHHHUVWHSHULRGHYRRUNRPWGDQVWHOWXGH
FDOFXODWRURSGH%HJLQPRGXVLQ
8NXQWWXVVHQ%HJLQHQ(LQGPRGXVRPVFKDNHOHQGRRURS
WH
GUXNNHQ$OVGHFDOFXODWRULQGH%HJLQPRGXVLV]LHWXGH
BEGIN
LQGLFDWRU8]LHWJHHQLQGLFDWRUDOVXLQGH(LQGPRGXVEHQW
+\SRWKHNHQHQOHQLQJHQJHEUXLNHQPHHVWDOGH(LQGPRGXV
/HDVHFRQWUDFWHQHQVSDDUSODQQHQJHEUXLNHQRYHUKHWDOJHPHHQGH
%HJLQPRGXV
Het berekenen van leningen
Voorbeeld: Een autolening. 8ILQDQFLHUWHHQDXWRPHWHHQOHQLQJYDQ
GULHMDDUWHJHQMDDUOLMNVHQRPLQDOHUHQWHPDDQGHOLMNVVDPHQJHVWHOG
'HDXWRNRVW8EHWDDOWYRRUXLW
Deel 1. :DW]LMQXZPDDQGHOLMNVHEHWDOLQJHQELMHHQUHQWHYDQ"
1HHPDDQGDWXHHQPDDQGQDGHDDQNRRSRIDDQKHWHLQGYDQGHHHUVWH
SHULRGHEHJLQWPHWGHDIEHWDOLQJHQ
10B.book Page 55 Wednesday, June 28, 2000 3:31 PM
56 5: “Time Value of Money”-berekeningen
6WHOGH(LQGPRGXVLQ'UXNRS DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOSHUL
RGHVSHUMDDULQ
36,00
6ODDWKHWDDQWDO
SHULRGHVYDQGHOHQLQJ
RS
10,50
6ODDWGHMDDUOLMNVH
QRPLQDOHUHQWHYRHWRS
13.000,00
6ODDWKHWJHOHHQGH
EHGUDJRS
0,00
6ODDWKHWEHGUDJRSGDW
QRJXLWVWDDWQDGULHMDDU
–422,53
%HUHNHQWGHPDDQ
GHOLMNVHDIEHWDOLQJ+HW
PLQWHNHQJHHIWKHW
EHWDDOGHEHGUDJDDQ
10B.book Page 56 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 57
Deel 2. %LMZHONHUHQWHYRHWZRUGWKHWPDDQGHOLMNVWHEHWDOHQEHGUDJPHW
YHUPLQGHUGWRWELMHHQKRRIGVRPYDQ"
Deel 3. $OVGHUHQWHLVHQXSHUPDDQGQLHWPHHUGDQZLOW
EHWDOHQZDWNXQWXGDQPD[LPDDODDQHHQQLHXZHDXWRXLWJHYHQ"
Voorbeeld: Een hypotheek op een huis. 8YLQGWGDWKHWPD[LPDOH
PDDQGHOLMNVHEHGUDJGDWXDDQHHQK\SRWKHHNNXQWXLWJHYHQLV8
NXQWHHQYRRUXLWEHWDOLQJPDNHQYDQHQGHMDDUOLMNVHUHQWHYRHWLV
RSKHWRJHQEOLN$OVXHHQK\SRWKHHNYRRUMDDUNXQWNULMJHQZDW
LVGDQGHPD[LPDOHDDQNRRSSULMVGLHX]LFKNXQWYHURRUORYHQ"
–372,53
9HUPLQGHUWGHEHWDOLQJ
WRYGHHHUGHUEHUHN
HQGH
2,03
%HUHNHQWGHMDDUOLMNVH
UHQWHYRHWYRRUGH
JHUHGXFHHUGHEHWDOLQJ
10,50
6ODDWGHRRU
VSURQNHOLMNHUHQWHYRHW
RS
–375,00
6ODDWGHJHZHQVWH
EHWDOLQJRS
11.537,59
%HUHNHQWKHWWHILQDQ
FLHUHQEHGUDJ
13.037,59
7HOWGHYRRUXLWEHWDOLQJ
RSELMKHWJHILQDQFLHUGH
EHGUDJRPGHWRWDOH
SULMVYDQGHDXWRWHNULM
JHQ
10B.book Page 57 Wednesday, June 28, 2000 3:31 PM
58 5: “Time Value of Money”-berekeningen
6WHOGH(LQGPRGXVLQ'UXNRS DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOSHUL
RGHVSHUMDDULQ
360,00
6WHOWGHGXXUYDQGH
K\SRWKHHNLQï
0,00
%HWDDOWGHK\SRWKHHNLQ
MDDUDI
7,50
6ODDWGHUHQWHYRHWRS
–930,00
6ODDWGHJHZHQVWH
EHWDOLQJRSXLWEH
WDDOGHEHGUDJLV
QHJDWLHI
133.006,39
%HUHNHQWKRHJURRWGH
OHQLQJLVELMPDDQ
GHOLMNVHEHWDOLQJHQYDQ

145.006,39
7HOWDDQ
YRRUXLWEHWDOLQJRSRP
GHWRWDOHDDQNRRSSULMV
WHNULMJHQ
10B.book Page 58 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 59
Voorbeeld: Een hypotheek met een ballonbetaling. 8KHEWHHQ
K\SRWKHHNYDQJHNUHJHQYRRUMDDUWHJHQHHQMDDUOLMNVH
UHQWHYRHWYDQ8YRRU]LHWGDWXKHWKXLVQDYLHUMDDU]XOWYHUNRSHQ
HQGHOHQLQJPHWHHQEDOORQEHWDOLQJ]XOWWHUXJEHWDOHQ:DW]DOGH
EDOORQEHWDOLQJ]LMQ"
/RVGLWSUREOHHPRSLQWZHHHWDSSHV
 %HUHNHQGHEHWDOLQJRSGHOHQLQJRSEDVLVYDQHHQWHUPLMQYDQ
MDDU
 %HUHNHQKHWRYHUEOLMYHQGHVDOGRQDYLHUMDDU
Punt 1. %HUHNHQHHUVWGHEHWDOLQJRSGHOHQLQJJHEDVHHUGRSHHQWHUPLMQ
YDQMDDU
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOSHULRGHVSHUMDDU
LQ
300,00
6ODDWGHGXXUYDQGHK\SRWKHHN
RSï PDDQGHQ
0,00
6ODDWKHWVDOGRYDQGHOHQLQJQD
MDDURS
172.500,00
6ODDWKHWVDOGRYDQGH
RRUVSURQNHOLMNHOHQLQJRS
8,80
6ODDWGHMDDUOLMNVHUHQWHYRHWRS
–1.424,06
%HUHNHQWGHPDDQGHOLMNVH
DIEHWDOLQJ
10B.book Page 59 Wednesday, June 28, 2000 3:31 PM
60 5: “Time Value of Money”-berekeningen
Punt 2. $DQJH]LHQGHEHWDOLQJDDQKHWHLQGYDQGHPDDQGZRUGWJHGDDQ
ZRUGHQGHODDWVWHEHWDOLQJHQGHEDOORQEHWDOLQJWHJHOLMNHUWLMGJHGDDQ'H
ODDWVWHEHWDOLQJLVGHVRPYDQ307HQ)9
'HZDDUGHLQ307PRHWELMKHWEHUHNHQHQYDQ)9RI39
DOWLMGRSWZHHGHFLPDOHQDIJHURQGZRUGHQRPNOHLQH]LFK
FXPXOHUHQGHYHUVFKLOOHQWXVVHQQLHWDIJHURQGHHQ
ZHUNHOLMNHGROODUVHQFHQWVEHWDOLQJHQWHYHUPLMGHQ$OV
GHGLVSOD\QLHWRSWZHHGHFLPDOHQLVLQJHVWHOGGUXNWXRS

Toetsen: Display: Beschrijving:
–1.424,06
5RQGWEHWDOLQJHQRSWZHH
GHFLPDOHQDIHQVODDWGH]H
GDQRS
48,00
6ODDWGHWHUPLMQYDQYLHUMDDU
ïGLHXYHUZDFKWKHW
KXLVWHEH]LWWHQRS
–163.388,39
%HUHNHQWKHWVDOGRYDQGH
OHQLQJQDYLHUMDDU
–164.812,45
%HUHNHQWKHWWRWDDOYDQGH
EHWDOLQJ307HQ)9YRRU
KHWDIORVVHQYDQGHOHQLQJ
KHWWHEHWDOHQEHGUDJZRUGW
DDQJHGXLGDOVHHQQHJDWLHI
JHWDO
10B.book Page 60 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 61
Berekeningen met spaarsystemen
Voorbeeld: Een spaarrekening. $OVXRSHHQVSDDUUHNHQLQJ
VWRUWZDDUXHHQMDDUOLMNVHUHQWHYRHWYDQNULMJWHQYHUGHUJHHQDQGHUH
EHGUDJHQVWRUWKRHODQJGXXUWKHWYRRUGDWHURSGHUHNHQLQJ
VWDDW"
$DQJH]LHQHUJHHQUHJHOPDWLJHEHWDOLQJHQZRUGHQJHGDDQ307 LV
GHEHWDOLQJVPRGXV(LQGRI%HJLQQLHWYDQEHODQJ
Toetsen: Display: Beschrijving:
0,00
:LVWDOOHUHJLVWHUV
1 1,00
6WHOW3<5JHOLMNDDQ
DDQJH]LHQGHUHQWHMDDUOLMNV
ZRUGWVDPHQJHVWHOG
–2.000,00
6ODDWKHWEHGUDJRSYDQKHW
HHUVWHGHSRVLWR
3.000,00
6ODDWKHWEHGUDJRSGDWXZLOW
ELMHHQVSDUHQ
7,20
6ODDWGHMDDUOLMNVHUHQWHYRHW
RS
5,83
%HUHNHQWKHWDDQWDOMDUHQGDW
QRGLJLVRPRSWH
NRPHQ
10B.book Page 61 Wednesday, June 28, 2000 3:31 PM
62 5: “Time Value of Money”-berekeningen
$DQJH]LHQGHEHUHNHQGHZDDUGHYDQ1WXVVHQHQOLJW]LMQHU
WHQPLQVWH]HVMDUHQMDDUOLMNVHDFFXPXODWLHQRGLJRPRSWHQPLQVWHWH
NRPHQ%HUHNHQKHWZHUNHOLMNHVDOGRQD]HVMDDU
Voorbeeld: Een persoonlijke pensioenrekening. 8KHEWRSDSULO
HHQSHUVRRQOLMNHSHQVLRHQUHNHQLQJJHRSHQGHQGDDURS
JHVWRUW(UZRUGWDIJHKRXGHQYDQXZORRQHQXZRUGWWZHHPDDO
SHUPDDQGXLWEHWDDOG2SGHUHNHQLQJZRUGWMDDUOLMNVUHQWHEHWDDOG
GLHSHUKDOYHPDDQGZRUGWJHDFFXPXOHHUG+RHYHHO]DOHURSDSULO
RSGHUHNHQLQJVWDDQ"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
6,00
6WHOW RSMDDULQ
3.035,28
%HUHNHQWKHWEHGUDJ
GDWXQDMDDUNXQW
RSQHPHQ
10B.book Page 62 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 63
Voorbeeld: Een annuïteitenrekening. 1DHHQVXFFHVYROOH
]DNHQFDUULqUHEHVOXLWXWHJDDQUHQWHQLHUHQ8KHEWJHVSDDUG
ZDDURYHUXHHQJHPLGGHOGHMDDUOLMNVHUHQWHYDQNULMJWGLHPDDQGHOLMNV
ZRUGWVDPHQJHVWHOG+RHJURRWLVKHWEHGUDJGDWXDDQKHWHLQGYDQ
LHGHUHPDDQGNXQWRSQHPHQDOVXZLOWGDWXZVSDDUUHNHQLQJXJHGXUHQGH
GHYROJHQGHMDDURQGHUVWHXQW"
6WHOGH%HJLQPRGXVLQ'UXNRS
DOVXGHLQGLFDWRUQLHW]LHW
Toetsen: Display: Beschrijving:
24,00
6WHOWKHWDDQWDOSHULRGHVSHU
MDDULQ
–2.000,00
6ODDWGHHHUVWHVWRUWLQJRS
–80,00
6ODDWGHUHJHOPDWLJH
KDOIPDDQGHOLMNVHVWRUWLQJHQ
RS
6,30
6ODDWGHUHQWHYRHWRS
360,00
6ODDWKHWDDQWDOVWRUWLQJHQRS
52.975,60
%HUHNHQWKHWWHJRHG
10B.book Page 63 Wednesday, June 28, 2000 3:31 PM
64 5: “Time Value of Money”-berekeningen
Leaseberekeningen
(HQOHDVHLVHHQOHQLQJYDQZDDUGHYROOHJRHGHUHQ]RDOVYDVWJRHGDXWR·V
RIJHUHHGVFKDSJHGXUHQGHHHQEHSDDOGHWLMGWHJHQUHJHOPDWLJH
EHWDOLQJHQ6RPPLJHOHDVHFRQWUDFWHQZRUGHQXLWJHVFKUHYHQDOV
NRRSDNWHVPHWHHQRSWLHRPDDQKHWHLQGHYDQGHOHDVHSHULRGHWHNRSHQ
VRPVYRRUDPSHU'HYDVWJHVWHOGHWRHNRPVWLJHZDDUGH)9 YDQ
GHJRHGHUHQDDQKHWHLQGYDQHHQOHDVHZRUGWVRPVGH´UHVLGXZDDUGHµRI
´XLWNRRSZDDUGHµJHQRHPG
$OOHYLMI790WRHSDVVLQJVWRHWVHQNXQQHQELMOHDVHEHUHNHQLQJHQJHEUXLNW
ZRUGHQ(U]LMQWZHHDOJHPHHQYRRUNRPHQGHOHDVHEHUHNHQLQJHQ
+HWEHUHNHQHQYDQGHOHDVHEHWDOLQJRPHHQEHSDDOGHRSEUHQJVWWH
YHUNULMJHQ
+HWEHUHNHQHQYDQGHKXLGLJHZDDUGHJHNDSLWDOLVHHUGHZDDUGHYDQ
HHQOHDVH
'HHHUVWHEHWDOLQJYRRUHHQOHDVHJHEHXUWJHZRRQOLMNDDQKHWEHJLQYDQGH
HHUVWHSHULRGH'DDURPZRUGWHUELMGHPHHVWHOHDVHEHUHNHQLQJHQLQGH
%HJLQPRGXVJHZHUNW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQ
JHQSHUMDDULQ
–400.000,00
6ODDWXZDSSHOWMHYRRU
GHGRUVWDOVHHQXLW
JDDQGHGHSRVLWRRS
7,00
6ODDWGHMDDUOLMNVHUHQW
HYRHWRSGLHXGHQNWWH
NULMJHQ
600,00
6ODDWKHWDDQWDO
RSQDPHVRS
0,00
6ODDWKHWWHJRHGQD
MDDURS
2.392,80
%HUHNHQWKHWEHGUDJ
GDWXDDQKHWEHJLQYDQ
LHGHUHPDDQGNXQW
RSQHPHQ
10B.book Page 64 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 65
Voorbeeld: Het berekenen van een leasebetaling. (HQNODQWZLO
YRRUHHQDXWRHHQOHDVHRYHUHHQNRPVWYDQRYHUGULHMDDUDIVOXLWHQ
'HRYHUHHQNRPVWRPYDWHHQRSWLHRPGHDXWRDDQKHWHLQGYDQGH
OHDVHSHULRGHWHNRSHQWHJHQ'HHHUVWHPDDQGHOLMNVHEHWDOLQJLV
EHWDDOEDDURSGHGDJGDWGHNODQWLQJHEUXLNQHHPW$OVXHHQMDDUOLMNVH
RSEUHQJVWYDQPDDQGHOLMNVVDPHQJHVWHOGZLOWKHEEHQZDW]LMQGDQ
GHEHWDOLQJHQ"%HUHNHQGHEHWDOLQJYDQXLWXZVWDQGSXQWDOVGHDOHU
6WHOGH%HJLQPRGXVLQ'UXNRS
DOVXGHLQGLFDWRUQLHW]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQ
JHQSHUMDDULQ
10,00
6ODDWGHJHZHQVWHMDDU
OLMNVHRSEUHQJVWRS
–13.500,00
6ODDWGHOHDVHSULMVRS
7.500,00
6ODDWGHUHVLGXZDDUGH
XLWNRRSZDDUGHRS
36,00
6ODDWGHGXXUYDQGH
OHDVHLQPDDQGHQRS
253,99
%HUHNHQWGHPDDQ
GHOLMNVHEHWDOLQJHQ
10B.book Page 65 Wednesday, June 28, 2000 3:31 PM
66 5: “Time Value of Money”-berekeningen
8]LHWGDW]HOIVDOVGHNODQWGHDXWRQLHWZHQVWWHNRSHQHUDDQKHWHLQG
YDQGHOHDVHHHQFDVKIORZELQQHQNRPWGLHJHOLMNLVDDQGHUHVLGXZDDUGH
YDQGHDXWR2IGHNODQWGHDXWRQXNRRSWRIGDWGHDXWRRSGHYULMH
PDUNWZRUGWYHUNRFKWGHOHDVHJHYHUYHUZDFKWHHQRSEUHQJVWYDQ
Voorbeeld: Lease met vooruitbetalingen. 8ZEHGULMI.ZLN7LPPHU
ZLOHHQYRUNKHIWUXFNOHDVHQYRRUGHRSVODJSODDWV'HOHDVHZRUGW
RSJHPDDNWYRRUHHQWHUPLMQYDQMDDUPHWPDDQGHOLMNVHEHWDOLQJHQYDQ
%HWDOLQJHQZRUGHQDDQKHWEHJLQYDQGHPDDQGEHWDDOEDDUJHVWHOG
HQGHHHUVWHHQODDWVWHEHWDOLQJPRHWHQELMKHWLQJDDQYDQGHOHDVH
YHUUHNHQGZRUGHQ8KHEWGHRSWLHRPDDQKHWHLQGYDQGHOHDVHSHULRGH
GHYRUNKHIWUXFNWHNRSHQWHJHQ
$OVGHMDDUOLMNVHUHQWHYRHWLVZDWLVGDQGHJHNDSLWDOLVHHUGHZDDUGH
YDQGHOHDVH"
'H]HEHUHNHQLQJZRUGWLQYLHUVWDSSHQRSJHORVW
 %HUHNHQGHKXLGLJHZDDUGHYDQGHPDDQGHOLMNVHDIEHWDOLQJHQ
ï² 
 7HOGDDUELMGHZDDUGHYDQGHH[WUDYRRUXLWEHWDOLQJRS
 %HUHNHQGHKXLGLJHZDDUGHYDQGHNRRSRSWLH
 7HOGHZDDUGHQXLWSXQWHQELMHONDDURS
10B.book Page 66 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 67
Punt 1%HUHNHQGHKXLGLJHZDDUGHYDQGHPDDQGHOLMNVHDIEHWDOLQJHQ
6WHOGH%HJLQPRGXVLQ'UXNRS
DOVXGHLQGLFDWRUQLHW]LHW
Punt 2. 7HOGHH[WUDYRRUXLWEHWDOLQJELM39RS6ODKHWUHVXOWDDWRS
Punt 3. %HUHNHQGHKXLGLJHZDDUGHYDQGHNRRSRSWLH
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQ
JHQSHUMDDULQ
47,00
6ODDWKHWDDQWDO
EHWDOLQJHQRS
–2.400,00
6ODDWGHPDDQGHOLMNVH
EHWDOLQJRS
0,00
6ODDW)9YRRUSXQW
RS
9,00
6ODDWGHUHQWHYRHWRS
95.477,55
%HUHNHQWGHKXLGLJH
ZDDUGHYDQGH
PDDQGHOLMNVHEHWDOLQ
JHQ
97.877,55
7HOWGHH[WUDYRRUXLWEH
WDOLQJRS
97.877,55
6ODDWKHWUHVXOWDDWLQ
KHW0UHJLVWHURS
48,00
6ODDWGHPDDQGRS
ZDQQHHUGHNRRSRSWLH
ZRUGWXLWJHYRHUG
0,00
6ODDWHHQEHWDOLQJYDQ
QXORSYRRUGLWSXQW
YDQGHRSORVVLQJ
–15.000,00
6ODDWGHZDDUGHRSGLH
YHUGLVFRQWHHUGPRHW
ZRUGHQ
10.479,21
%HUHNHQWGHKXLGLJH
ZDDUGHYDQGHODDWVWH
FDVKIORZ
10B.book Page 67 Wednesday, June 28, 2000 3:31 PM
68 5: “Time Value of Money”-berekeningen
Punt 4. 7HOGHUHVXOWDWHQYDQSXQWHQELMHONDDURS
Amortisatie
$PRUWLVDWLHLVKHWYHUGHOHQYDQKHWEHGUDJYDQHHQ
EHWDOLQJLQHHQJHGHHOWHGDWEHWUHNNLQJKHHIWRSGHUHQWH
HQHHQJHGHHOWHGDWEHWUHNNLQJKHHIWRSGHKRRIGVRP
%HWDOLQJHQDDQKHWEHJLQYDQGHOHQLQJEHVWDDQXLWHHQ
JURWHUGHHODDQUHQWHHQXLWHHQNOHLQHUGHHODDQGH
KRRIGVRPGDQEHWDOLQJHQDDQKHWHLQGYDQHHQOHQLQJ
Toetsen: Display: Beschrijving:
108.356,77
%HUHNHQWGHKXLGLJH
JHNDSLWDOLVHHUGH
ZDDUGHYDQGHOHDVH
$IURQGLQJVYHUVFKLOOHQ
ZRUGHQRSSDJLQD 
YHUNODDUG
10B.book Page 68 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 69
0HWGH WRHWVYDQGH+3%,,NXQWXKHWYROJHQGHEHUHNHQHQ
+HWEHGUDJGDWLQHHQUHHNVEHWDOLQJHQEHWUHNNLQJKHHIWRSGHUHQWH
+HWEHGUDJGDWLQHHQUHHNVEHWDOLQJHQEHWUHNNLQJKHHIWRSGH
KRRIGVRP
+HWVDOGRYDQGHOHQLQJQDHHQEHSDDOGDDQWDOEHWDOLQJHQ
'H
IXQFWLHJDDWHUYDQXLWGDWX]RMXLVWHHQEHWDOLQJKHEWEHUHNHQG
RIGDWXGHEHWUHIIHQGHDPRUWLVDWLHZDDUGHQLQ,<539)9307HQ3
<5KHEWRSJHVODJHQ
'HJHWDOOHQGLHYRRUGHUHQWHGHKRRIGVRPHQKHWVDOGRZRUGHQJHWRRQG
]LMQDIJHURQGQDDUGHKXLGLJHLQVWHOOLQJYDQGHGLVSOD\
Het amortiseren. 8DPRUWLVHHUWHHQHQNHOYRXGLJHEHWDOLQJGRRUKHW
QXPPHUYDQGHEHWUHIIHQGHSHULRGHLQWHYXOOHQHQRS
WHGUXNNHQ
'H+3%,,WRRQWGHLQGLFDWRU
PERJHYROJGGRRUGHHHUVWHHQODDWVWH
EHWDOLQJHQGLH]XOOHQZRUGHQJHDPRUWLVHHUG
'UXNRS
RPGHUHQWHINTWHWRQHQ'UXNQRJPDDOVRS RPGH
KRRIGVRP
PRINWHWRQHQHQQDQRJPDDOVWHGUXNNHQ]LHWXKHWVDOGR
BAL'RRUWHONHQVRS WHGUXNNHQNXQWXGH]HOIGHZDDUGHQRSQLHXZ
EHNLMNHQ
8DPRUWLVHHUWHHQUHHNVEHWDOLQJHQGRRUKHWHHUVWHSHULRGHQXPPHU
ODDWVWH
SHULRGHQXPPHULQWHYRHUHQHQYHUYROJHQVRS
WHGUXNNHQ'H+3
%,,WRRQWGHLQGLFDWRU
PERJHYROJGGRRUGHHHUVWHHQODDWVWH
EHWDOLQJHQGLH]XOOHQZRUGHQJHDPRUWLVHHUG'UXNYHUYROJHQVWHONHQVRS
RPUHQWHKRRIGVRPHQVDOGRWHEHNLMNHQ
'UXNQRJPDDOVRS
RPQDDUGHYROJHQGHJURHSSHULRGHVWHJDDQ
'RRUGH]HDXWRPDWLVFKHYHUKRJLQJKRHIWXQLHWVLQWHWRHWVHQYRRUGH
QLHXZHEHJLQHQHLQGSHULRGH
$OVXWLMGHQVKHWDPRUWLVHUHQRSVODDWRSYUDDJWRIHQLJHDQGHUHEHZHUNLQJ
XLWYRHUWNULMJWXGRRURS
WHGUXNNHQUHQWHKRRIGVRPHQVDOGRQLHW
PHHUWH]LHQ$OVXGHDPRUWLVDWLHZHHUZLOWXLWYRHUHQPHWGH]HOIGH
SHULRGHVGUXNWXRS
-DDUOLMNVHQRPLQDOHUHQWHYRHW
%HJLQVDOGR
(LQGVDOGR
%HWDOLQJVEHGUDJDIJHURQGRSKHWGLVSOD\IRUPDDW
$DQWDOEHWDOLQJHQSHUMDDU
10B.book Page 69 Wednesday, June 28, 2000 3:31 PM
70 5: “Time Value of Money”-berekeningen
Voorbeeld: Een reeks betalingen amortiseren. %HUHNHQGHHHUVWH
WZHHMDDUYDQKHWMDDUOLMNVHDPRUWLVDWLHVFKHPDYRRUHHQK\SRWKHHNYDQ
RYHUHHQSHULRGHYDQMDDUWHJHQHHQMDDUOLMNVHUHQWHYRHWYDQ
PHWPDDQGHOLMNVHEHWDOLQJHQ
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
$OVXDOZHHWKRHJURRWGHEHWDOLQJRSGHK\SRWKHHNLVNXQWXGLW
LQYRHUHQHQRSVODDQ]RDOVXGHDQGHUHYLHUZDDUGHQRSVODDW$PRUWLVHHU
QXKHWHHUVWHMDDU
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQ
JHQSHUMDDULQ
360,00
6ODDWKHWDDQWDOEHWDOLQ
JHQRS
7,75
6ODDWGHUHQWHSHUMDDU
RS
180.000,00
6ODDWGHKXLGLJHZDDUGH
RS
0,00
6ODDWGHWRHNRPVWLJH
ZDDUGHRS
–1.289,54
%HUHNHQWGHPDDQ
GHOLMNVHEHWDOLQJ
12_
9RHUWGHEHJLQHQ
HLQGSHULRGHVLQ
1– 12
7RRQWGH3(5LQGLFD
WRUHQUHHNV
–1.579,82
7RRQWGH35,1LQGLFD
WRUHQGHKRRIGVRPGLH
LQKHWHHUVWHMDDULV
EHWDDOG
–13.894,66
7RRQWGH,17LQGLFD
WRUHQGHUHQWHGLHLQ
KHWHHUVWHMDDULV
EHWDDOG
178.420,18
7RRQWGH%$/LQGLFD
WRUHQKHWVDOGRYDQGH
OHQLQJQDppQMDDU
10B.book Page 70 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 71
+HWEHGUDJGDWDDQUHQWHHQKRRIGVRPLVEHWDDOG
LVJHOLMNDDQPDDQGHOLMNVHEHWDOLQJHQï 
+HWRSHQVWDDQGHVDOGRLVJHOLMNDDQGHEHJLQK\SRWKHHNPLQ
KHWEHGUDJGDWYRRUGHKRRIGVRPLVEHWDDOG² 

$PRUWLVHHUKHWWZHHGHMDDU
+HWEHGUDJGDWDDQUHQWHHQKRRIGVRPLVEHWDDOG
LVJHOLMNDDQPDDQGHOLMNVHEHWDOLQJHQï 
+HWRSHQVWDDQGHVDOGRLVJHOLMNDDQGHEHJLQK\SRWKHHNPLQ
KHWEHGUDJGDWYRRUGHKRRIGVRPLVEHWDDOG²²
 (UZRUGWLQKHWWZHHGHMDDUPHHUDDQGH
KRRIGVRPEHWDDOGGDQLQKHWHHUVWHMDDU'HYROJHQGHMDUHQZRUGHQRS
GH]HOIGHZLM]HEHUHNHQG
13– 24
7RRQW3(5HQGHYRO
JHQGHUHHNVSHULRGHV
–1.706,69
7RRQW35,1HQGH
KRRIGVRPGLHLQKHW
WZHHGHMDDULVEHWDDOG
–13.767,79
7RRQW,17HQGHUHQWH
GLHLQKHWWZHHGHMDDULV
EHWDDOG
176.713,49
7RRQW%$/HQKHW
VDOGRYDQGHOHQLQJQD
EHWDOLQJHQ
10B.book Page 71 Wednesday, June 28, 2000 3:31 PM
72 5: “Time Value of Money”-berekeningen
Voorbeeld: Een enkelvoudige betaling amortiseren. $PRUWLVHHU
GH
 HQ EHWDOLQJYDQHHQYLMIMDDUGXUHQGH
DXWROHDVH+HWEHGUDJYDQGHOHDVHLVHQGHUHQWHYRHWLV
%HWDOLQJHQJHEHXUHQPDDQGHOLMNVHQHULVJHHQXLWVWHOYDQ
GHHHUVWHEHWDOLQJ
6WHOGH%HJLQPRGXVLQ'UXNRS
DOVXGHLQGLFDWRUQLHW]LHW
$PRUWLVHHUGH
 HQ EHWDOLQJHQ
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
60,00
6ODDWKHWDDQWDOEHWDOLQJHQRS
11,50
6ODDWGHUHQWHSHUMDDURS
14.250,00
6ODDWGHKXLGLJHZDDUGHRS
0,00
6ODDWGHWRHNRPVWLJHZDDUGH
RS
–310,42
%HUHNHQWGHPDDQGHOLMNVH
EHWDOLQJ
1,00
9RHUWGHHHUVWHEHWDOLQJLQ
1– 1
7RRQW3(5HQGHJHDPRUWL
VHHUGHEHWDOLQJVSHULRGH
–310,42
7RRQW35,1HQGHHHUVWH
EHWDOLQJDDQGHKRRIGVRP
0,00
7RRQW,17HQGHUHQWH
13.939,58
7RRQW%$/HQKHWVDOGRYDQ
GHOHQLQJQDppQEHWDOLQJ
25,00
9RHUWGHWHDPRUWLVHUHQEHWDO
LQJLQ
25– 25
7RRQW3(5HQGHJHDPRUWL
VHHUGHEHWDOLQJVSHULRGH
–220,21
7RRQW35,1HQGHKRRIGVRP
GLHELMGH
EHWDOLQJLV
EHWDDOG
–90,21
7RRQW,17HQGHUHQWHGLH
RYHUGH
EHWDOLQJLV
EHWDDOG
10B.book Page 72 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 73
Rentevoetconversies
%LMGHFRQYHUVLHYDQGHUHQWHYRHWZRUGHQGULHWRHWVHQ
JHEUXLNW
 HQ 'H]HFRQYHUWHUHQ
QRPLQDOHUHQWHQDDUMDDUOLMNVHHIIHFWLHYHUHQWHHQWHUXJ
1RPLQDOHHQHIIHFWLHYHUHQWHZRUGHQRSSDJLQD 
EHVFKUHYHQ
$OVXZHHWKRHKRRJHHQMDDUOLMNVHQRPLQDOHUHQWHLVHQX
GHGDDUPHHRYHUHHQNRPHQGHMDDUOLMNVHHIIHFWLHYHUHQWHYRHWZLOW
EHUHNHQHQGRHWXKHWYROJHQGH
 9RHUGHQRPLQDOHUHQWHLQHQGUXNRS
 9RHUKHWDDQWDOSHULRGHVLQZDDURYHUVDPHQJHVWHOGPRHWZRUGHQHQ
GUXNRS
 %HUHNHQGHHIIHFWLHYHUHQWHYRHWGRRURS
WHGUXNNHQ
+HWEHUHNHQHQYDQHHQQRPLQDOHUHQWHGLHRYHUHHQNRPWPHWHHQEHNHQGH
HIIHFWLHYHUHQWH
 9RHUGHHIIHFWLHYHUHQWHLQHQGUXNRS
 9RHUKHWDDQWDOSHULRGHVLQZDDURYHUPRHWZRUGHQVDPHQJHVWHOGHQ
GUXNRS
 %HUHNHQGHQRPLQDOHUHQWHYRHWGRRURS
WHGUXNNHQ
9.193,28
7RRQW%$/HQKHWVDOGRYDQ
GHOHQLQJQDGH
EHWDOLQJ
54,00
9RHUWGHWHDPRUWLVHUHQEHWDO
LQJLQ
54– 54
7RRQW3(5HQGHJHDPRUWL
VHHUGHEHWDOLQJVSHULRGH
–290,37
7RRQW35,1HQGHKRRIGVRP
GLHELMGH
EHWDOLQJLV
EHWDDOG
–20,05
7RRQW,17HQGHUHQWHGLH
RYHUGH
EHWDOLQJLV
EHWDDOG
1.801,57
7RRQW%$/HQKHWVDOGRYDQ
GHOHQLQJQDGH
EHWDOLQJ
10B.book Page 73 Wednesday, June 28, 2000 3:31 PM
74 5: “Time Value of Money”-berekeningen
%LMGH790WRHSDVVLQJJHEUXLNHQ HQ KHW]HOIGHUHJLVWHU
5HQWHFRQYHUVLHVZRUGHQKRRIG]DNHOLMNELMWZHHVRRUWHQSUREOHPHQ
JHEUXLNW
9RRUKHWYHUJHOLMNHQYDQLQYHVWHULQJHQPHWYHUVFKLOOHQGHSHULRGHV
ZDDURYHUGHUHQWHZRUGWVDPHQJHVWHOG
9RRUKHWRSORVVHQYDQ790SUREOHPHQZDDUELMGHEHWDOLQJVSHULRGH
HQGHUHQWHSHULRGHYHUVFKLOOHQ
Investeringen met verschillende periodes van
samenstelling
Voorbeeld: Investeringen vergelijken. 8RYHUZHHJWHHQ
VSDDUUHNHQLQJWHRSHQHQHQXNXQWNLH]HQXLWGULHEDQNHQ:HONHEDQN
ELHGWGHEHVWHUHQWHYRRUZDDUGHQ"
Eerste bank
Tweede bank
(HUVWHEDQN MDDUOLMNVHUHQWHYRHWSHUNZDUWDDOVDPHQJHVW
HOG
7ZHHGHEDQN MDDUOLMNVHUHQWHYRHWPDDQGHOLMNVVDPHQJHVWHOG
'HUGHEDQN MDDUOLMNVHUHQWHYRHWNHHUSHUMDDU
VDPHQJHVWHOG
Toetsen: Display: Beschrijving:
6,70
6ODDWGHQRPLQDOHUHQWHRS
4,00
'HUHQWHZRUGWYLHUPDDOSHU
MDDUVDPHQJHVWHOG
6,87
%HUHNHQWGHMDDUOLMNVHHIIHF
WLHYHUHQWHYRHW
6,65
6ODDWGHQRPLQDOHUHQWHRS
12,00
6ODDWGHPDDQGHOLMNVHSHULRGHV
RSZDDULQZRUGWVDPHQJHVWHOG
6,86
%HUHNHQWGHMDDUOLMNVHHIIHFWLHYH
UHQWHYRHW
10B.book Page 74 Wednesday, June 28, 2000 3:31 PM
5: “Time Value of Money”-berekeningen 75
Derde bank
+HWDDQERGYDQGHHHUVWHEDQNLVLHWVEHWHURPGDWJURWHULVGDQ
HQ
Samenstellings- en betalingsperiodes verschillen
'H790WRHSDVVLQJJDDWHUYDQXLWGDWGH
VDPHQVWHOOLQJVSHULRGHVHQGHEHWDOLQJVSHULRGHVJHOLMN]LMQ
6RPPLJHOHQLQJVWHUPLMQHQHQGHSRVLWR·VHQRSQDPHVYDQ
VSDDUUHNHQLQJHQNRPHQQLHWXLWPHWGH
VDPHQVWHOOLQJVSHULRGHVYDQGHEDQN$OVGH
EHWDOLQJVSHULRGHYHUVFKLOWYDQGHVDPHQVWHOOLQJVSHULRGH
SDVWXGHUHQWHYRHWDDQ]RGDWGLHPHWGHEHWDOLQJVSHULRGH
RYHUHHQNRPWYRRUGDWXKHWSUREOHHPRSORVW
8JDDWDOVYROJWWHZHUNDOVXGHUHQWHYRHWZLOWDDQSDVVHQZDQQHHUGH
VDPHQVWHOOLQJVSHULRGHYHUVFKLOWYDQGHEHWDOLQJVSHULRGH
 9RHUGHQRPLQDOHUHQWHLQHQGUXNRS
9RHUKHWDDQWDO
SHULRGHVSHUMDDULQZDDULQZRUGWVDPHQJHVWHOGHQGUXNRS

%HUHNHQGHHIIHFWLHYHUHQWHYRHWGRRURS
WHGUXNNHQ
 9RHUKHWDDQWDOEHWDOLQJVSHULRGHVSHUMDDULQHQGUXNRS
%HUHNHQ
GHDDQJHSDVWHQRPLQDOHUHQWHGRRURS
WHGUXNNHQ
6,63
6ODDWGHQRPLQDOHUHQWHRS
360,00
6ODDWGHSHULRGHVRSZDDULQ
ZRUGWVDPHQJHVWHOG
6,85
%HUHNHQWGHMDDUOLMNVHHIIHFWLHYH
UHQWHYRHW
10B.book Page 75 Wednesday, June 28, 2000 3:31 PM
76 5: “Time Value of Money”-berekeningen
Voorbeeld: Maandelijkse betaling, dagelijks samenstellen. 9DQDI
YDQGDDJVWRUWXPDDQGHOLMNVRSHHQUHNHQLQJZDDURYHUUHQWH
ZRUGWEHWDDOGGLHGDJHOLMNVZRUGWVDPHQJHVWHOGGDJHQSHUMDDU:DW
LVKHWVDOGRQD]HYHQMDDU"
Punt 1. %HUHNHQGHRYHUHHQNRPVWLJHUHQWHELMPDDQGHOLMNVH
VDPHQVWHOOLQJ
$DQJH]LHQ120HQ,<5KHW]HOIGHUHJLVWHUJHEUXLNHQNXQWXGH]H
ZDDUGHGLUHFWLQGHUHVWYDQKHWYUDDJVWXNJHEUXLNHQ
Punt 2. 'HWRHNRPVWLJHZDDUGHEHUHNHQHQ
6WHOGH%HJLQPRGXVLQ'UXNRS
DOVXGHLQGLFDWRUQLHW]LHW
Toetsen: Display: Beschrijving:
5,00
6ODDWKHWSHUFHQWDJH
YDQGHQRPLQDOHUHQWH
RS
365,00
6ODDWKHWDDQWDO
SHULRGHVRSZDDULQGH
EDQNVDPHQVWHOW
5,13
%HUHNHQWGHMDDUOLMNVH
HIIHFWLHYHUHQWHYRHW
12,00
6ODDWGHPDDQGHOLMNVH
SHULRGHVRS
5,01
%HUHNHQWKHW
RYHUHHQNRPVWLJH
QRPLQDOHSHUFHQWDJH
ZDQQHHUPDDQGHOLMNV
ZRUGWVDPHQJHVWHOG
0,00
6ODDWGHKXLGLJHZDDUGH
RS
–25,00
6ODDWGHEHWDOLQJRS
84,00
6ODDWKHWDDQWDO
EHWDOLQJHQSHUMDDURS
2.519,61
%HUHNHQWKHWVDOGRQD
MDDU
10B.book Page 76 Wednesday, June 28, 2000 3:31 PM
6: Cashflowberekeningen 77
6
Cashflowberekeningen
Het gebruiken van de cashflowfunctie
'HFDVKIORZIXQFWLHZRUGWJHEUXLNWELMKHWRSORVVHQYDQ
YUDDJVWXNNHQZDDUELMFDVKIORZVPHWUHJ HOPDWLJH
WXVVHQSR]HQYRRUNRPHQPDDUYHUVFKLOOHQGYDQJU RRWWH
]LMQ8NXQWRRNFDVKIORZE HUHNHQLQJHQ XLWYRHUHQRP
YUDDJVWXNNHQPHWUHJHOPDWLJHHYHQJ URWHSHULRGLHNH
FDVKIORZVRSWHORVVHQ PDDUGH]HVLWXDWLHVNXQQ HQ
HIILFLsQWHUZRUGHQRSJ HORVWPHW790
,QKHWDOJHPHHQZRUGHQGHYROJHQ GHSXQWHQXLWJHYRHUGELM
FDVKIORZEHUHNHQLQJHQRSGH+3%,,
 % HNLMNXZFDVKI ORZVRSSDS LHU(HQFDVKIORZGLDJUDPNDQKH HO
KDQGLJ]LMQ
 :LVGHUHJLVWHUV
 9RHUKHWDDQWDOSHULRGHVSH UMDDULQ
 9RHUGHLQLWLsOHLQYHVWHULQJHQLQ 
 9RHUKHWEHGUDJYDQGHYROJHQGHFDVKI ORZLQ
 $OVKHWEHGUDJGDWXLQSXQWKHEWLQJHYRHUGPHHUGDQHH QVQD
HONDDUYRRUNRPWYRHUGDQKHWDDQWDONHUHQLQGDWGLWEHGUDJ
YRRUNRPW
 +HUKDDOSXQWHQYRRULHGHUHFDVKI ORZHQJURHS
 8EHUHNHQWGHQHWWRKXLGLJHZDDUGHGRRUGHMDDUOLMNVHUHQ WHYRHWRS
WHYRHUHQHQRS
WHGUXNNHQYHUYROJHQVGUXNWXRS $OVX
KHWMDDUOLMNVHLQWHUQHUHQGHPHQWZLOWEHUHNHQHQGUXNWXRS
10B.book Page 77 Wednesday, June 28, 2000 3:31 PM
78 6: Cashflowberekeningen
Voorbeeld: Een investering op korte termijn. ,QKHWYROJHQGH
FDVKIORZGLDJUDP]LHWXHHQLQYHVWHULQJLQDDQGHOHQRYHUGULHPDDQGHQ
DIJHEHHOG$DQKHWEHJLQYDQLHGHUHPDDQGZHUGHQDDQNRSHQJHGDDQHQ
GHDDQGHOHQZHUGHQDDQKHWHLQGYDQGHPDDQGYHUNRFKW%HUHNHQKHW
MDDUOLMNVHLQWHUQHUHQGHPHQWHQKHWPDDQGHOLMNVHUHQGHPHQW
XXX
Toetsen: Display: Beschrijving:
0,00
:LVWDOOHUHJLVWHUV
12,00
6ODDWSHULRGHVSHUMDDURS
–5.000.00
9RHUWGHHHUVWHFDVKIORZLQ
7RRQWKHWQXPPHUYDQGH
FDVKIORZJURHSWHUZLMOX
LQJHGUXNWKRXGW
–2.000.00
9RHUWGHYROJHQGHFDVKIORZLQ
–4.000,00
9RHUWGHYROJHQGHFDVKIORZLQ
11.765,29
9RHUWGHODDWVWHFDVKIORZLQ
38,98
%HUHNHQWGHMDDUOLMNVHQRPLQDOH
RSEUHQJVW
3,25
0DDQGHOLMNVHRSEUHQJVW
10B.book Page 78 Wednesday, June 28, 2000 3:31 PM
6: Cashflowberekeningen 79
NPV en IRR/YR: Het verdisconteren van
cashflows
,QKRRIGVWXNVWDDWDDQJHJHYHQKRHFDVKIORZGLDJUDPPHQJHEUXLNW
NXQQHQZRUGHQRPILQDQFLsOHYUDDJVWXNNHQWHYHUKHOGHUHQ,QGH]H
SDUDJUDDIZRUGHQYHUGLVFRQWHHUGHFDVKIORZVEHVSURNHQ'H139HQ
,55<5IXQFWLHVZ RUGHQRRNYDDNYHUGLVFRQWHHUGHFDVKIORZIXQFWLHVJHQRHPG
'RRUHHQFDVKIORZWHYHUGLVFRQWHUHQEHUHNHQWXGHKXLGLJHZDDUGHYDQ
GHFDVKIORZ:DQQHHU PHHUFDVKIORZVZRUGHQYHUGLVFRQWHHUGEHUHNHQWX
GHKXLGLJHZDDUGHQGDDUYDQHQWHOWXGLHELMHONDDURS
'HQHWWRKXLGLJHZDDUGHIXQFWLH139EHUHNHQWGHKXLGLJHZ DDUGHYDQ
HHQDDQWDOFDVKIORZV'HMDDUOLMNVHQRPLQDOHUHQWHYRHWPRHWEHNHQG]LMQ
RP139WHNXQQHQEHUHNHQHQ
'HLQWHUQHUHQGHPHQWIXQFWLH,55<5EHUHNHQWGHMDDUOLMNVHQRPLQDOH
UHQWHYRHWZDDUPHHHHQQHWWRKXLGLJHZDDUGHYDQQXOYHUNUHJHQZ RUGW
+HWQXWYDQGH]HWZHHILQDQFLsOHEHJULSSHQZRUGWGXLGHOLMNQDKHW
XLWZHUNHQYDQHHQSDDUY RRUEHHOGHQ,QGHYROJHQGHWZHHSDUDJUDIHQ
NRPWKHWJURHSHUHQHQLQYRHUHQYDQFDVKIORZVDDQGHRUGH'DDUQD
YROJHQHQNHOHYRRUEHHOGHQYDQ139HQ,55<5EHUHNHQLQJHQ
Cashflows groeperen
(HQUHHNVYDQFDVKIORZVZRUGWJHJURHSHHUGLQHHQHHUVWH FDVKIORZ&)HQ
GDDURSYROJHQGHFDVKIORZJURHSHQPD[LPDDOFDVKIORZV&)NRPWDDQ
KHWEHJLQYDQGHHHUVWHSHULRGH(HQFDVKIORZJURHSEHVWDDWXLWKHWEHGUDJ
ZDDUXLWGHFDVKIORZEHVWDDWHQKHWDDQWDOKHUKDOLQJHQ
,QKHWYROJHQGHFDVKIORZGLDJUDPLVGHHHUVWHFDVKIORZELMYRRUEHHOG
²'HYROJHQGHJURHSFDVKIORZVEHVWDDWXLW]HVFDVKIORZVYDQHON
QXOJHYROJGGRRUHHQJURHS YDQGULHFDVKIORZVYDQHON'HODDWVWH
JURHSEHVWDDWXLWppQFDVKIORZYDQ
10B.book Page 79 Wednesday, June 28, 2000 3:31 PM
80 6: Cashflowberekeningen
:DQQHHUXHHQV HULHFDVKIORZVLQYRHU WLVKHWYDQEHODQ JGDWLHGHUH
FDVKIORZLQKHWFDVKIORZGLDJU DPZRUGWYDVWJHOHJG]HOIVELMSHULRGHVPHW
HHQFDVKIORZYDQ QXO
Cashflows invoeren
,QGH+3%,,NXQWXHHQHHUVWHFDVKIORZRSVODDQHQGDDUQDQRJ
H[WUDFDVKIORZJURHSHQ(ONHFDVKIORZJURHSNDQWRWFDVKIORZV
EHYDWWHQ8YRHUWFDVKIORZVDOVYROJWLQ
 'UXNRS
RPGHUHJLVWHUVWHZLVVHQ
 9RHUKHWDDQWDOSHULR GHVSHUMDDULQHQGUXNRS
 9RHUKHWEHGUDJYDQGHHHUVWHLQYHVWHULQJLQHQGUXNYHUYROJHQVRS
'H´MµJHHIWKHWQXPPHUYDQGHFDVKIORZDDQWRWHQPHW
 9RHUKHWEHGUDJYDQGHYROJHQGHFDVKIORZLQHQGUXNRS
 $OVKHWEHGUDJGDWLQSXQWZHUGLQJHYRHUGPHHUGDQHHQVQDHONDDU
YRRUNRPWYRHUWXLQKRHYDDNGLWJHEHXUWHQGUXNWXRS

 +HUKDDOSXQWHQYRRULHGHUH
HQ WRWGDWDOOHFDVKIORZV
]LMQLQJHYRHUG
10B.book Page 80 Wednesday, June 28, 2000 3:31 PM
6: Cashflowberekeningen 81
Voorbeeld. 9RHUGHFDV KI ORZVYDQKHWYRRUJDDQGHGLDJU DPLQ HQ
EHUHNHQGH,5 5<5%HUHNHQYHU YROJHQVGHHII HFWLHYHUHQWH1HHPDDQ
GDWHUSHULRGHVSHUMDDU]LMQ 
Cashflows bekijken en vervangen
8NXQWHHQOLMVWPHWFDVKIORZVEHNLMNHQGRRURSGHYROJHQGHWRHWVHQWH
GUXNNHQ
WRW RPFDVKIORZVWRWWHEHNLMNHQRI
WRW RPFDVKIORZVWRWZHHUWHJHYHQ
RPGHYROJHQGHFDVKIORZWH]LHQ
RPGHYRULJHFDVKIORZWH]LHQRI
RPGHKXLGLJHFDVKIORZWH]LHQ
Toetsen: Display: Beschrijving:
0,00
:LVWDOOHUHJLVWHUV
12,00
6WHOW RSLQ
–11.000,00
9RHUWGHHHUVWHFDVKIORZLQ
7RRQWKHWQXPPHUYDQGH
FDVKIORZJURHSWHUZLMOX
LQJHGUXNWKRXGW
0,00
9RHUWKHWEHGUDJYDQGHHHUVWH
FDVKIORZJURHSLQ
6,00
9RHUWKHWDDQWDONHUHQLQGDWGLW
ZRUGWKHUKDDOG
1.000,00
9RHUWKHWEHGUDJYDQGHWZHHGH
FDVKIORZJURHSLQ
3,00
9RHUWKHWDDQWDONHUHQLQGDWGLW
ZRUGWKHUKDDOG
10.000,00
9RHUWGHODDWVWHFDVKIORZLQ
21,22
%HUHNHQWGHMDDUOLMNVHQRPLQDOH
RSEUHQJVW
10B.book Page 81 Wednesday, June 28, 2000 3:31 PM
82 6: Cashflowberekeningen
2PKHWEHGUDJYDQHHQFDVKIORZWHYHUYDQJHQGUXNWXRS
WRW RPKHWQLHXZHEHGUDJRSWHVODDQLQFDVKIORZV
WRWRI
WRW RPKHWQLHXZHEHGUDJRSWHVODDQLQFDVKIORZV
WRW
RPKHWEHGUDJRSWHVODDQLQGHYROJHQGHFDVKIORZ
RPKHWEHGUDJRSWHVODDQLQGHYRULJHFDVKIORZ
RPKHWEHGUDJRSWHVODDQLQGHKXLGLJHFDVKIORZ
$OVXKHWDDQWDONHUHQGDWHHQFDVKIORZYRRUNRPWZLOWDDQSDVVHQ
GH
FDVKIORZZDDUYRRUXGLWZLOWGRHQ9RHUYHUYROJHQVKHWDDQWDONHUHQLQ
GDWGH]HPRHWYRRUNRPHQHQGUXNRS
$DQJH]LHQFDVKIORZVQLHWYHUZLMGHUGRIWXVVHQJHYRHJGNXQQHQZRUGHQ
JHEUXLNWX
RPRSQLHXZWHEHJLQQHQ
De netto huidige waarde berekenen
'HQHWWRKXLGLJHZDDUGHIXQFWLH1 39ZRUGWJHEUXLNWRPDOOH
FDVKIORZVWHYHUGLVFRQWHUHQGLHYRRUGHWLMGOLMQVWDDQPHWEHKXOSYDQHHQ
MDDUOLMNVHQRPLQDOHUHQWHYRHWGLHXLQYRHU W
+LHURQGHU]LHWXKRHX139EHUHNHQW
 'UXNRS
VODKHWDDQWDOSHULRGHVSHUMDDULQ3<5RS
 9RHUGHFDVKI ORZVLQPHW
HQ
 6ODGHMDDUOLMNVHQRPLQDOHUHQWHYRHWLQ,<5RSHQGUXNRS
Voorbeeld: Een verdisconteerd contract, ongelijke cashflows. 8
NXQWHHQFRQWUDFWNRSHQPHWGHYROJHQGHFDVKIORZV
Eind van de maand Bedrag


 
 
 
10B.book Page 82 Wednesday, June 28, 2000 3:31 PM
6: Cashflowberekeningen 83
:DWPRHWXYRRUKHWFRQWUDFWE HWDOHQDOVXHHQMDDUOLMNVUHQGHPH QWYDQ
RSXZLQYHVWHULQJZLOWKDOHQ"
Toetsen: Display: Beschrijving:
0,00
:LVWGHUHJLVWHUV
12,00
6WHOWKHWDDQWDOEHWDOLQJHQS HU
MDDULQ
0,00
9RHUWGHHHUVWHFDVKIORZYDQ
QXOLQ8]LHWKHWQXPPHUYDQ
GHFDVKIORZWHUZLMOX
LQJHGUXNWKRXGW
0,00
9RHUWGHHHUVWHFDVKIORZLQ
3,00
9RHUWKHWDDQWDONHUHQLQGDW
GH]HYRRUNRPW
5.000,00
9RHUWGHWZHHGHFDVKIORZLQ
0,00
9RHUWGHGHUGHFDVKIORZLQ
4,00
9RHUWKHWDDQWDONHUHQLQGDW
GH]HYRRUNRPW
5.000,00
9RHUWGHYLHUGHFDVKIORZLQ
2,00
9RHUWKHWDDQWDONHUHQLQGDW
GH]HYRRUNRPW
0,00
9RHUWGHYLMIGHFDVKIORZLQ
4,00
9RHUWKHWDDQWDONHUHQLQGDW
GH]HYRRUNRPW
7.500,00
9RHUWGH]HVGHFDVKIORZLQ
0,00
9RHUWGH]HYHQGHFDVKIORZLQ
9,00
9RHUWKHWDDQWDONHUHQLQGDW
GH]HYRRUNRPW
10.000,00
9RHUWGHYROJH QGHFDVKIORZLQ
10B.book Page 83 Wednesday, June 28, 2000 3:31 PM
84 6: Cashflowberekeningen
'HFDVKIORZVGLHXZWRHNRP VWLJHLQYHVWHULQJEHVFKULMYHQVWDDQQXLQGH
FDOFXODWRU8NXQWRS
GU XNNHQHQGDDUQDRS HQELM
KHUKDOLQJRS
RPGHFDVKIORZVHQ KHWDDQWDONHUHQGDWGH]H
YRRUNRPHQWHEHNLMNHQ
1DGDWXGHFDVKIORZVKHEWLQJHYRHUGVODDWXGHU HQWHYRHWRSHQEHUHNHQW
XGHQHWWRKXLGLJHZDDUGH
8LWKHWUHVXOWDDWEOLMNWGDWDOVXHHQUHQGHPHQ WYDQSHUMDDUZLOW
KHEEHQXYRRUKHWFRQWU DFWPRHWEHWDOHQ8]LHWGDWGLWHHQ
SRVLWLHIEHGUDJLV'HQHWWRKXLGLJHZDDUGHEHVWDDWXLWGHELMHONDDU 
RSJHWHOGHZDDUGHQYDQ HHQVHULHYDQFDV KIORZVZDQQHHU]LMQDDUKHWEHJLQ
YDQGHWLMGOLMQZR UGHQYHUGLVFRQWHHUG
Toetsen: Display: Beschrijving:
15,00
6ODDWGHJHZHQVWH
MDDUOLMNVHUHQWHYRHWRS
27.199,92
%HUHNHQWGHQHWWR
KXLGLJHZDDUGHYDQ
LHGHUHFDVKIORZGLHLV
RSJHVODJHQ=LHKHW
YRRUEHHOGRYHU
DIURQGHQRS
SDJLQD 
10B.book Page 84 Wednesday, June 28, 2000 3:31 PM
6: Cashflowberekeningen 85
Het interne rendement berekenen
 'UXNRS VODKHWDDQWDOSHULRGHVSHUMDDULQ3<5RS
 9RHUGHFDVKIORZVLQPHW
HQ
 'UXNRS
$OVX,55<5E HUHNHQWNULMJWXGHMDDUOLMNVHQRPLQDOHUHQWHGLHXHHQ
139 YDQQXOJHHIW
,QKHWYROJHQGHYRRUEHHOGZRUGHQGH]HOIGHFDVKIORZVJHEUXLNWDOV ELMKHW
YRULJHYRRUEHHOG
(ULVPHHUGDQppQ,55<5PRJHOLMN$OVXGHPHOGLQJ
no SoLution
NULMJWUDDGSOHHJGDQ$DQKDQJVHO%SDJLQD 
Voorbeeld. $OVGHYHUNRSHUYDQKHWFRQWUDFWXLWKHWYRU LJHYRRUEHHOG
YHUODQJWHQXDFFHSWHHUWGLHSULMVZDWLVGDQXZUHQGHPHQW"'LW
LVHHQ,55<5EHUHNHQLQJZDDUYRRUHHQNOHLQHYHUDQGHULQJDDQGHRSGLW
RJHQEOLNRSJHVODJHQFDVKIORZVQRGLJLV
8YLQGWQRJPHHUYRRUEHHOGHQZDDULQ139HQ,55<5YRRUNRPHQLQ
KRRIGVWXN´([WUDYRRUEHHOGHQµ
Toetsen: Display: Beschrijving:
–28.000,00
:LM]LJWGHHHUVWHFDVKIORZ
12,49
%HUHNHQWGHMDDUOLMNVHQRPLQDOH
RSEUHQJVW
10B.book Page 85 Wednesday, June 28, 2000 3:31 PM
86 6: Cashflowberekeningen
Automatische opslag van IRR/YR en NPV
$OVXGH139EHUHNHQWZRUGWKHWUHVXOWDDWLQ39RSJHVODJHQ$OVXGDW
UHVXOWDDWZLOWRSYUDJHQGUXNWXRS
$OVXGH790ZDDUGHQXLW KHW
ODDWVWHYRRUEHHOGZDDULQPHW139ZHUGJHZHUNWSDJLQD QLHWKHEW
YHUDQGHUGLVKHWUHVXOWDDWDOVXRS
GUXNW
$OVX,55<5EHUHNHQWZRUGWKHWUHVXOWDDWRRNLQ,<5RSJHVODJHQ%LM
KHWYRULJHYRRUEHHOGGUXNWXRS
RPGHMDDUOLMNVHRSEUHQJVW
WHWRQHQ
10B.book Page 86 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 87
7
Statistische berekeningen
'HWRHWVHQ HQ ZRUGHQJHEUXLNWRPJHJHYHQV
YRRUVWDWLVWLHNHQPHWppQRIWZHHYDULDEHOHQLQWHYRHUHQRI
WHYHUZLMGHUHQ6RPPDWLHJHJHYHQVZRUGHQRSJHVODJHQLQ
KHWJHKHXJHQ'HODEHOVGLHERYHQGH
WRW WRHWVHQ
VWDDQJHYHQDDQZHONVWDWLVWLVFKJHJHYHQLQKHWEHWUHIIHQGH
UHJLVWHULVRSJHVODJHQ1DGDWXGHJHJHYHQVKHEWLQJHYRHUG
NXQWXGHVWDWLVWLVFKHIXQFWLHVJHEUXLNHQRPKHWYROJHQGH
WHEHUHNHQHQ
*HPLGGHOGHHQVWDQGDDUGGHYLDWLH
/LQHDLUHUHJUHVVLH
/LQHDLUHEHQDGHULQJHQYHUZDFKWLQJHQ
*HZRJHQJHPLGGHOGH
6RPPDWLHVWDWLVWLHNHQQ
Σ
[
Σ
[ 
Σ
\
Σ
\ HQ
Σ
[\
Statistische gegevens wissen
:LVGHVWDWLVWLVFKHUHJLVWHUVYRRUGDWXQLHXZHJHJHYHQV
LQYRHUW$OVXGHUHJLVWHUVQLHWZLVWZRUGHQGHJHJHYHQV
GLHRSGLWRJHQEOLN]LMQRSJHVODJHQDXWRPDWLVFK
RSJHQRPHQLQGHVRPPDWLHEHUHNHQLQJHQ8ZLVWGH
VWDWLVWLVFKHUHJLVWHUVGRRURS
WHGUXNNHQ'HGLVSOD\
ZRUGWGDQHYHQHHQVJHZLVW
10B.book Page 87 Wednesday, June 28, 2000 3:31 PM
88 7: Statistische berekeningen
Statistische gegevens invoeren
8NXQWHHQRQEHJUHQVGDDQWDOZDDUGHQLQGHVWDWLVWLVFKHUHJLVWHUV
YHU]DPHOHQ
Statistieken met één variabele
8JDDWDOVYROJWWHZHUNELMKHWLQYRHUHQYDQGH[JHJHYHQVELMVWDWLVWLHNHQ
PHWppQYDULDEHOH
 :LVGHVWDWLVWLVFKHUHJLVWHUVGRRURS
WHGUXNNHQ
 9RHUGHHHUVWHZDDUGHLQHQGUXNRS
'H+3%,,WRRQWQKHW
DDQWDOYHU]DPHOGHJHJHYHQV
 *DYHUGHUPHWKHWWRHYRHJHQYDQZDDUGHQGRRUGHJHWDOOHQLQWH
YRHUHQHQRS
WHGUXNNHQ'HQZDDUGHZRUGWELMLHGHUHLQYRHU
YHUKRRJG
Statistieken met twee variabelen en gewogen
gemiddelde
8YRHUWDOVYROJW[\SDUHQYDQVWDWLVWLVFKHJHJHYHQVLQ
 :LVGHVWDWLVWLVFKHUHJLVWHUVGRRURS
WHGUXNNHQ
 9RHUGHHHUVWH[ZDDUGHLQHQGUXNRS
'H+3%,,JHHIWGH[
ZDDUGHZHHU
 9RHUGHRYHUHHQNRPVWLJH\ZDDUGHLQHQGUXNRS
'H+3%,,
JHHIWQKHWDDQWDOYHU]DPHOGHSDUHQZHHU
 *DYHUGHUPHWKHWLQYRHUHQYDQ[\SDUHQ'HQZDDUGHZRUGWELM
LHGHUHLQYRHUYHUKRRJG
8YRHUWJHJHYHQVYRRUKHWEHUHNHQHQYDQKHWJHZRJHQJHPLGGHOGHLQ
GRRULHGHUHZDDUGHDOV[LQWHYRHUHQHQGHRYHUHHQNRPVWLJH
ZHJLQJVFRsIILFLsQWDOV\
Als door de statistische gegevens de waarde in een register groter wordt dan
±
9,99999999999 × 10
499
,
toont de HP 10BII een tijdelijke overflow melding (OFLO).
10B.book Page 88 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 89
Statistische gegevens verbeteren
2QMXLVWLQJHYRHUGHJHJHYHQVNXQQHQYHUZLMGHUGZRUGHQPHW $OV
ppQYDQGHZDDUGHQYDQHHQ[\SDDURQMXLVWLVPRHWXEHLGHZDDUGHQ
YHUZLMGHUHQHQRSQLHXZLQYRHUHQ
Verbeteren van gegevens bestaande uit één variabele
+HWYHUZLMGHUHQHQRSQLHXZLQYRHUHQYDQVWDWLVWLVFKHJHJHYHQVJDDWDOV
YROJW
 7RHWVGH[ZDDUGHLQGLHYHUZLMGHUGPRHWZRUGHQ
 'UXNRS
RPGHZDDUGHWHYHUZLMGHUHQ'HQZDDUGHZRUGW
PHWppQYHUPLQGHUG
 9RHUGHMXLVWHZDDUGHLQPHW
Verbeteren van gegevens bestaande uit twee
variabelen
+HWYHUZLMGHUHQHQRSQLHXZLQYRHUHQYDQ[\SDUHQVWDWLVWLVFKHJHJHYHQV
JDDWDOVYROJW
 9RHUGH[ZDDUGHLQGUXNRS
HQYRHUYHUYROJHQVGH\ZDDUGHLQ
 'UXNRS
RPGHZDDUGHQWHYHUZLMGHUHQ'HQZDDUGHZRUGW
PHWppQYHUPLQGHUG
 9RHUKHWMXLVWH[\SDDULQPHW
HQ 
10B.book Page 89 Wednesday, June 28, 2000 3:31 PM
90 7: Statistische berekeningen
Samenvatting van statistische berekeningen
6RPPLJHIXQFWLHVOHYHUHQWZHHZDDUGHQRS'HSTATLQGLFDWRUJHHIWDDQ
GDWWZHHZDDUGHQ]LMQEHUHNHQG'UXNRS
RPGHYHUERUJHQ
ZDDUGHWH]LHQ
Toetsen Beschrijving naar display
5HNHQNXQGLJ
JHPLGGHOGHYDQGH[
ZDDUGHQ
*HPLGGHOGHYDQGH\
ZDDUGHQDOVX\ZDDUGHQ
KHEWLQJHYRHUG
*HPLGGHOGHYDQGH[
ZDDUGHQJHZRJHQ
YROJHQVGH\ZDDUGHQ
6WHHNSURHIVWDQGDDUGGHYL
DWLHYDQGH[ZDDUGHQ
6WHHNSURHIVWDQGDDUGGHYL
DWLHYDQGH\ZDDUGHQDOV
X\ZDDUGHQKHEW
LQJHYRHUG
3RSXODWLHVWDQGDDUGGHYLD
WLHYDQGH[ZDDUGHQ
3RSXODWLHVWDQGDDUGGHYLD
WLHYDQGH\ZDDUGHQDOV
X\ZDDUGHQKHEW
LQJHYRHUG
\ZDDUGH
%HQDGHULQJYDQ[ELMHHQ
JHJHYHQZDDUGHYDQ\
&RUUHODWLHFRsIILFLsQW
[ZDDUGH %HQDGHULQJYDQ\ELMHHQ
JHJHYHQZDDUGHYDQ[
5LFKWLQJVFRsIILFLsQWP
YDQGHEHUHNHQGHOLMQ
VQLMSXQWPHWGH\DVEYDQ
GHEHUHNHQGHOLMQ
5LFKWLQJVFRsIILFLsQWP
YDQGHEHUHNHQGHOLMQ
10B.book Page 90 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 91
Gemiddelde, standaarddeviatie en
sommatiestatistieken
8NXQWKHWJHPLGGHOGH GH
VWHHNSURHIVWDQGDDUGGHYLDWLH6
HQ
SRSXODWLHVWDQGDDUGGHYLDWLH
σ
HQVRPPDWLHVWDWLVWLHNHQ
Q
Σ
[HQ
Σ
[
YDQ[JHJHYHQVEHUHNHQHQ9RRUGH[\
JHJHYHQVNXQWXRRNKHWJHPLGGHOGHGH
VWHHNSURHIVWDQGDDUGGHYLDWLHHQGH
SRSXODWLHVWDQGDDUGGHYLDWLHYDQ\JHJHYHQVHQGH
VRPPDWLHVWDWLVWLHNHQ
Σ
\
Σ
\
HQ
Σ
[\EHUHNHQHQ
Voorbeeld 1. 'HNDSLWHLQYDQHHQMDFKWZLOEHSDOHQKRHYHHOWLMGKHWNRVW
RPHHQ]HLOWHYHUZLVVHOHQ=LMNLHVWKLHUYRRU]HVZLOOHNHXULJHOHGHQYDQ
KDDUEHPDQQLQJREVHUYHHUWKHQELMKHWZLVVHOHQYDQKHW]HLOHQVFKULMIW
KHWEHQRGLJGHDDQWDOPLQXWHQRS%HUHNHQKHW
JHPLGGHOGHHQGHVWDQGDDUGGHYLDWLHYDQGHWLMGHQ%HUHNHQRRNGHZRUWHO
XLWKHWJHPLGGHOGHYDQGHNZDGUDWHQPHWGHIRUPXOH
Toetsen Beschrijving
$DQWDOLQJHYRHUGHJHJHYHQVSXQWHQ
6RPYDQGH[ZDDUGHQ
6RPYDQGH\ZDDUGHQ
6RPYDQGHNZDGUDWHQYDQGH[ZDDUGHQ
6RPYDQGHNZDGUDWHQYDQGH\ZDDUGHQ
6RPYDQGHSURGXFWHQYDQGH[DQG\
ZDDUGHQ
Toetsen: Display: Beschrijving:
0,00
:LVWVWDWLVWLVFKHUHJLVWHUV
1,00
9RHUWGHHHUVWHWLMGLQ
2,00
9RHUWGHWZHHGHWLMGLQ
3,00
9RHUWGHGHUGHWLMGLQ
4,00
9RHUWGHYLHUGHWLMGLQ
5,00
9RHUWGHYLMIGHWLMGLQ
[
x
2
n⁄
∑
10B.book Page 91 Wednesday, June 28, 2000 3:31 PM
92 7: Statistische berekeningen
'HVWDQGDDUGGHYLDWLHVGLH]LMQEHUHNHQGPHW HQ
]LMQGHVWHHNSURHIVWDQGDDUGGHYLDWLHV+LHUELM
ZRUGWDDQJHQRPHQGDWKHWRPHHQJURWHUHYROOHGLJH
YHU]DPHOLQJYDQJHJHYHQVJDDW
$OVGHJHJHYHQVGHJHKHOHSRSXODWLHYHUWHJHQZRRUGLJHQ
NDQGHZHUNHOLMNHSRSXODWLHVWDQGDDUGGHYLDWLHZRUGHQ
EHUHNHQGGRRURS
HQ WHGUXNNHQ
Voorbeeld 2. 'HFRDFKKHHIWYLHUQLHXZHVSHOHUVLQKHWWHDPGLH
HQFPODQJ]LMQHQHQNJZHJHQ%HUHNHQKHW
JHPLGGHOGHHQGHSRSXODWLHVWDQGDDUGGHYLDWLHYDQKXQOHQJWHHQJHZLFKW
HQVRPPHHUYHUYROJHQVGH\ZDDUGHQ
6,00
9RHUWGH]HVGHWLMGLQ
3,50
%HUHNHQWKHWJHPLGGHOGH
0,85
%HUHNHQWGHVWHHNSURHI
VWDQGDDUGGHYLDWLH
77,13
*HHIW
Σ
[ ZHHU
6,00
*HHIWQZHHU
3,59
%HUHNHQWKHWNZDGUDWLVFK
JHPLGGHOGH
Toetsen: Display: Beschrijving:
0,00
:LVWVWDWLVWLVFKHUHJLVWHUV
1,00
9RHUWGHOHQJWHHQKHW
JHZLFKWYDQVSHOHULQ
2,00
9RHUWGHOHQJWHHQKHW
JHZLFKWYDQVSHOHULQ
3,00
9RHUWGHOHQJWHHQKHW
JHZLFKWYDQVSHOHULQ
4,00
9RHUWGHOHQJWHHQKHW
JHZLFKWYDQVSHOHULQ
184,25
%HUHNHQWKHWJHPLGGHOGH
YDQGHOHQJWHV[
82,75
*HHIWKHWJHPLGGHOGH
YDQGHJHZLFKWHQZHHU
\
10B.book Page 92 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 93
Lineaire regressie en benadering
/LQHDLUHUHJUHVVLHLVHHQVWDWLVWLVFKHPHWKRGHYRRUKHW
PDNHQYDQEHQDGHULQJHQHQYHUZDFKWLQJHQ'HPHWKRGH
ZRUGWJHEUXLNWRPHHQUHFKWHOLMQWHYLQGHQGLH]RJRHG
PRJHOLMNGRRUHHQYHU]DPHOLQJ[\JHJHYHQVJHWURNNHQ
NDQZRUGHQ(UPRHWHQWHQPLQVWHWZHHYHUVFKLOOHQGH[\
SDUHQ]LMQ'HUHFKWHOLMQJHHIWGHUHODWLHWXVVHQGH[HQ\
YDULDEHOHQZHHU\ P[EZDDUELMPGH
ULFKWLQJVFRsIILFLsQWLVHQEKHWVQLMSXQWPHWGH\DV
Lineaire regressie. %HUHNHQPEHQUGHFRUUHODWLHFRsIILFLsQWDOVYROJW
 :LVGHVWDWLVWLVFKHUHJLVWHUVGRRURS
WHGUXNNHQ
 9RHUGHHHUVWH[ZDDUGHLQHQGUXNRS
'H+3%,,JHHIWGH[
ZDDUGHZHHU
 9RHUGHRYHUHHQNRPVWLJH\ZDDUGHLQHQGUXNRS
'H+3%,,
JHHIWQKHWDDQWDOYHU]DPHOGHSDUHQZHHU
 *DYHUGHUPHWKHWLQYRHUHQYDQ[\SDUHQ'HQZDDUGHZRUGWELM
LHGHUHLQYRHUYHUKRRJG
 8YLQGWEKHWVQLMSXQWPHWGH\DVGRRURS
WHGUXNNHQ
9HUYROJHQVGUXNWXRS
RPPGHULFKWLQJVFRsIILFLsQWYDQGH
OLMQWHNULMJHQ
 8YLQGWUGHFRUUHODWLHFRsIILFLsQWGRRURS
WHGUXNNHQ
5,80
%HUHNHQWGHSRSXODWLHV
WDQGDDUGGHYLDWLHYDQGH
OHQJWHV[
4,71
*HHIWGH
SRSXODWLHVWDQGDDUGGHYLDWL
HYDQGHJHZLFKWHQZHHU
\
331,00
*HHIWKHWWRWDDOYDQ\
ZHHU
10B.book Page 93 Wednesday, June 28, 2000 3:31 PM
94 7: Statistische berekeningen
Lineaire benadering. 'HUHFKWHOLMQGLHGRRUOLQHDLUHUHJUHVVLHLV
EHUHNHQGNDQZRUGHQJHEUXLNWRPHHQEHQDGHULQJYDQHHQ\ZDDUGHWH
YLQGHQELMHHQJHJHYHQ[ZDDUGHHQRPJHNHHUG
 9RHUGH[\JHJHYHQVLQYROJHQVGHLQVWUXFWLHVRSSDJLQD 
 9RHUGHEHNHQGH[ZDDUGHRI\ZDDUGHLQ
$OVXHHQEHQDGHULQJYDQ[ZLOWKHEEHQYRRUGHJHJHYHQ\YRHUW
XGH\ZDDUGHLQHQGUXNWXYHUYROJHQVRS

$OVX\ZLOWEHQDGHUHQYRRUHHQJHJHYHQ[YRHUWXGH[ZDDUGH
LQHQGUXNWXYHUYROJHQVRS

Voorbeeld: verwachtingen $OL·V$]DOHDVPDDNWUHFODPHRSHHQ
SODDWVHOLMNUDGLRVWDWLRQ*HGXUHQGHGHDIJHORSHQ]HVZHNHQKHHIWGHEDDV
ELMJHKRXGHQKRHYHHOPLQXWHQUHFODPHHUJHNRFKWZHUGHQHQKRHYHHO
D]DOHD·VHUGLHZHHN]LMQYHUNRFKW
%HUHNHQKHWVQLMSXQWPHWGH\DVGHULFKWLQJVFRsIILFLsQWHQGH
FRUUHODWLHFRsIILFLsQW
Week
Minuten reclame
(
x
-waarden)
Verkoop
(
y
-waarden)
 
 
 
 
 
 
10B.book Page 94 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 95
Toetsen: Display: Beschrijving:
0,00
:LVWVWDWLVWLVFKHUHJLVWHUV
1,00
9RHUWPLQXWHQHQYHUNRRS
LQYRRUGHDFKWHUHHQYRO
JHQGHZHNHQ
2,00
3,00
4,00
5,00
6,00
376,25
%HUHNHQWKHWVQLMSXQWPHW
GH\DVE
425,88
*HHIWGHULFKWLQJVFRsI
ILFLsQWZHHU
0,90
%HUHNHQWGHFRUUH
ODWLHFRsIILFLsQW
10B.book Page 95 Wednesday, June 28, 2000 3:31 PM
96 7: Statistische berekeningen
0DDNWHHQVFKDWWLQJYDQKHWYHUNRRSFLMIHUDOVKHWEHGULMIRIPLQXWHQ
UHFODPHNRRSW
+RHYHHOPLQXWHQUHFODPHPRHW$OL·VNRSHQRPHHQYHUNRRSFLMIHUYDQ
WHEHKDOHQ"
Gewogen gemiddelde
2SGHYROJHQGHPDQLHUZRUGWKHWJHZRJHQJHPLGGHOGHYDQ
JHJHYHQVSXQWHQEHUHNHQG[
[ «[ PHWELMEHKRUHQGH
ZHJLQJVFRsIILFLsQWHQ\
\ «\ 
 *HEUXLN
HQ RP[\SDUHQLQWHYRHUHQ'H\ZDDUGHQ]LMQGH
JHZLFKWHQYDQGH[ZDDUGHQ
 'UXNRS
Voorbeeld. %LMHHQRQGHU]RHNQDDUGHKXXUSULMVYDQHHQNDPHUIODWV
EOLMNWGDWIODWVYHUKXXUGZRUGHQYRRUKXXUSHUPDDQGYRRU
YRRUHQYRRU:DWLVGHJHPLGGHOGHKXXUSULMVSHU
PDDQG"
3.357,38
0DDNWHHQVFKDWWLQJ
YDQKHWYHUNRRSFLMIHU
DOVPLQXWHQUHFODPH
ZRUGHQJHNRFKW
3.783,25
0DDNWHHQVFKDWWLQJ
YDQKHWYHUNRRSFLMIHU
DOVPLQXWHQUHFODPH
ZRUGHQJHNRFKW
6,16
0DDNWHHQVFKDWWLQJ
YDQKHWDDQWDOPLQXWHQ
UHFODPHQRGLJYRRUHHQ
YHUNRRSFLMIHUYDQ

10B.book Page 96 Wednesday, June 28, 2000 3:31 PM
7: Statistische berekeningen 97
Toetsen: Display: Beschrijving:
0,00
:LVWKHWVWDWLVWLVFKH
JHKHXJHQ
1,00
9RHUWGHHHUVWHKXXUHQ
KHWGDDUELMEHKRUHQGH
JHZLFKWLQ
2,00
9RHUWGHWZHHGHKXXU
HQKHWGDDUELM
EHKRUHQGHJHZLFKWLQ
3,00
9RHUWGHGHUGHKXXUHQ
KHWGDDUELMEHKRUHQGH
JHZLFKWLQ
4,00
9RHUWGHYLHUGHKXXU
HQKHWGDDUELM
EHKRUHQGHJHZLFKWLQ
509,44
%HUHNHQWKHWJHZRJHQ
JHPLGGHOGH
10B.book Page 97 Wednesday, June 28, 2000 3:31 PM
10B.book Page 98 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 99
8
Extra voorbeelden
Economische toepassingen
Het vaststellen van een verkoopprijs
(HQPHWKRGHYRRUKHWYDVWVWHOOHQYDQGHYHUNRRSSULMVSHUHHQKHLGLVKHW
EHSDOHQYDQGHSURGXFWLHNRVWHQSHUHHQKHLGHQGH]HWHYHUPHQLJYXOGLJHQ
PHWKHWJHZHQVWHUHQGHPHQW2PWRWHHQQDXZNHXULJUHVXOWDDWWHNRPHQ
PRHWXDOOHNRVWHQGLHDDQKHWSURGXFW]LMQYHUERQGHQYDVWVWHOOHQ
0HWGHYROJHQGHIRUPXOHZRUGWGHSULMVSHUHHQKHLGEHUHNHQGRSEDVLV
YDQGHWRWDOHNRVWHQHQKHWUHQGHPHQW
35,-6 727$/(.267
÷
$$17$/((1+('(1ï571
÷

Voorbeeld. +HWNRVWRPHHQKHGHQWHSURGXFHUHQ8ZLOW
UHQGHPHQW:HONHSULMVPRHWXSHUHHQKHLGYUDJHQ"
Toetsen: Display: Beschrijving:
40,000.00
9RHUWGHNRVWHQLQ
20,00
%HUHNHQWGHNRVWHQSHU
HHQKHLG
24,00
%HUHNHQWGH
YHUNRRSSULMVSHU
HHQKHLG
10B.book Page 99 Wednesday, June 28, 2000 3:31 PM
100 8: Extra voorbeelden
Verwachtingen gebaseerd op historische gegevens
(HQPHWKRGHYRRUKHWEHSDOHQYDQYHUNRRSYHUZDFKWLQJHQ
SURGXFWLHNRVWHQRIXLWJDYHQLVKHWEHNLMNHQYDQKLVWRULVFKHWHQGHQVHQ
$OVXKLVWRULVFKHJHJHYHQVKHEWNDQKLHUGRRUHHQNURPPHJHWURNNHQ
ZRUGHQZDDUELMGHWLMGODQJVGH[DVORRSWHQGHKRHYHHOKHLGODQJVGH\
DV
Voorbeeld. :DWLVKHWYHUZDFKWHYHUNRRSFLMIHULQMDDU]HVHQ]HYHQ
JHJHYHQGHYROJHQGHYHUNRRSLQIRUPDWLH"
Jaar Verkoop $
1 10.000
211.210
3 13.060
4 16.075
5 20.590
Toetsen: Display: Beschrijving:
0,00
:LVWGHVWDWLVWLVFKH
UHJLVWHUV
1,00
9RHUWKHWHHUVWHMDDULQ
HQKHWYHUNRRSFLMIHU
2,00
9RHUWGHJHJHYHQVYDQ
KHWWZHHGHMDDULQ
3,00
*DDWYHUGHUPHWKHW
LQYRHUHQYDQJHJHYHQV
4,00
5,00
22.000,50
9HUZDFKWH
YHUNRRSFLMIHUYRRUMDDU
]HV
24.605,00
9HUZDFKWH
YHUNRRSFLMIHUYRRUMDDU
]HYHQ
10B.book Page 100 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 101
Kosten indien niet contant wordt betaald
(HQNRSHUNULMJWNRUWLQJELMFRQWDQWHEHWDOLQJDOVGHEHWDOLQJELQQHQHHQ
EHSDDOGHSHULRGHSODDWVYLQGW%LMYRRUEHHOGGHYHUPHOGLQJ´
1(7µRSGHIDFWXXUEHWHNHQWGDWGHNRSHUSURFHQWNDQDIWUHNNHQ
DOVGHEHWDOLQJELQQHQGDJHQSODDWVYLQGW$OVGHEHWDOLQJQLHWELQQHQ
GDJHQSODDWVYLQGWPRHWKHWJHKHOHEHGUDJYRRUGH
GDJEHWDDOG
]LMQ
0HWGHIRUPXOHKLHURQGHUNXQWXEHUHNHQHQZDWKHWXNRVWDOVXJHHQ
JHEUXLNPDDNWYDQNRUWLQJELMFRQWDQWHEHWDOLQJ'HNRVWHQZRUGHQ
EHUHNHQGDOVHHQMDDUOLMNVHUHQWHGLHYRRUKHWXLWVWHOOHQYDQGHEHWDOLQJLQ
UHNHQLQJZRUGWJHEUDFKW
.257LVKHWNRUWLQJVSHUFHQWDJHDOVGHEHWDOLQJYURHJZRUGWJHGDDQ
727'*1LVWKHWRWDOQXPEHURIGD\VXQWLOWKHELOOPXVWEHSDLG.257
'*1LVKHWDDQWDOGDJHQGDWGHNRUWLQJEHVFKLNEDDULV
Voorbeeld. 8RQWYDQJWHHQUHNHQLQJPHWGHYRRUZDDUGHQ
1(7:DWNRVWKHWXDOVXJHHQJHEUXLNPDDNWYDQGH
NRUWLQJVPRJHOLMNKHLG"
Toetsen: Display: Beschrijving:
72.000,00
%HUHNHQWGHWHOOHUYDQ
GHIRUPXOH
98,00
+DDNMHVEHSDOHQGH
YROJRUGHYDQ
EHUHNHQLQJ
36,73
%HUHNHQWGHNRVWHQYDQ
KHWQLHWJHEUXLNPDNHQ
YDQGHNRUWLQJDOVHHQ
MDDUOLMNVSHUFHQWDJH
.267
.257 
×

×
 .257
–()(
727'*1
×
.257'*1
)–()
--------------------------------------------------------------------------------------------------------------------------
=
10B.book Page 101 Wednesday, June 28, 2000 3:31 PM
102 8: Extra voorbeelden
Leningen en hypotheken
Enkelvoudige jaarlijkse rente
Voorbeeld. (HQJRHGHYULHQGKHHIWHHQOHQLQJQRGLJRPHHQ
RQGHUQHPLQJWHEHJLQQHQHQKHHIWXRPHHQOHQLQJYDQYRRU
GDJHQJHYUDDJG8OHHQWKHPKHWJHZHQVWHEHGUDJWHJHQ
HQNHOYRXGLJHMDDUOLMNVHUHQWHWHEHUHNHQRSEDVLVYDQGDJHQ+RHYHHO
UHQWHLVKLMXQDGDJHQVFKXOGLJHQZDWLVKLMXLQWRWDDOVFKXOGLJ"
'H]HIRUPXOHZRUGWJHEUXLNWYRRUKHWEHUHNHQHQYDQHHQHQNHOYRXGLJH
MDDUOLMNVHUHQWHRSEDVLVYDQGDJHQLQHHQMDDU
5(17(
Continue samenstelling van rente
'HIRUPXOHYRRUKHWEHUHNHQHQYDQGHHIIHFWLHYHUHQWHYRHWELMFRQWLQXH
VDPHQVWHOOLQJLV
8JDDWDOVYROJWWHZHUNDOVXHHQYUDDJVWXNPHWYRRUWGXUHQGH
VDPHQVWHOOLQJZLOWRSORVVHQ
 %HUHNHQGHMDDUOLMNVHHIIHFWLHYHUHQWHYRHWPHWERYHQVWDDQGHIRUPXOH
 8JHEUXLNWyIGH]HHIIHFWLHYHUHQWHYRHWYRRUEHUHNHQLQJHQPHWHHQ
MDDUOLMNVHSHULRGH3<5 yIXFRQYHUWHHUWGH]HUHQWHYRHW]RGDW
GH]HLQXZEHWDOLQJVSHULRGHYDQWRHSDVVLQJLV,QKHWYROJHQGH
YRRUEHHOGLV3<5 ]RGDWXHHQQLHXZH120 PRHW
EHUHNHQHQPHWEHKXOSYDQGHUHQWHYRHWFRQYHUVLHWRHSDVVLQJZDDUELM
3<5JHOLMNLVDDQ
Toetsen: Display: Beschrijving:
0,10
6ODDWUHQWHRS
7,40
%HUHNHQWYHUVFKXOGLJGHUHQWH
457,40
%HUHNHQWWRWDDOYHUVFKXOGLJGH
EHGUDJ
%('5/(1,1* 5(17(
×
7(50/(1,1*,1'*1
×

-----------------------------------------------------------------------------------------------------------------------------------------------------
()) H
÷()
–()

×=
10B.book Page 102 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 103
Voorbeeld. 8KHEWRSKHWRJHQEOLNRSHHQUHNHQLQJVWDDQELM
'URRP,QYHVWHULQJHQZDDURSXMDDUOLMNVMDDUOLMNVFRQWLQX
JHFXPXOHHUGHUHQWHNULMJW$DQKHWHLQGYDQLHGHUHPDDQGVWRUWX
RSGHUHNHQLQJ:DWLVKHWVDOGRQDMDDU"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
0,18
'HHOWGHQRPLQDOH
UHQWHGRRU
1,20
9HUKHIWHWRWGHPDFKW

19,72
%HUHNHQWGHMDDUOLMNVH
HIIHFWLHYHUHQWHYRHW
19,72
6ODDWGHHIIHFWLHYH
UHQWHYRHWRS
12,00
6WHOWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
18,14
%HUHNHQWGHMDDUOLMNVH
QRPLQDOHUHQWHYRRU
HHQPDDQGHOLMNVH
EHWDOLQJVSHULRGH
180,00
6ODDWKHWDDQWDO
PDDQGHQRS
–250,00
6ODDWGHUHJHOPDWLJH
EHWDOLQJRS
–4.572,80
6ODDWKHWKXLGLJHVDOGR
DOVHHQQHJDWLHYH
ZDDUGHRSDOVELMHHQ
LQLWLsOHLQYHVWHULQJ
297.640,27
%HUHNHQWKHWVDOGRYDQ
GHUHNHQLQJQD
EHWDOLQJHQJHGXUHQGH
MDDUPHWHHQUHQWH
YDQGLHFRQWLQX
JHFXPXOHHUGZRUGW
10B.book Page 103 Wednesday, June 28, 2000 3:31 PM
104 8: Extra voorbeelden
Opbrengst van een verdisconteerde (of premie-)
hypotheek
'HMDDUOLMNVHRSEUHQJVWYDQHHQYHUGLVFRQWHHUGHRISUHPLHK\SRWKHHNNDQ
ZRUGHQEHUHNHQGDOVGHYROJHQGHJHJHYHQVEHNHQG]LMQRRUVSURQNHOLMNH
K\SRWKHHNVRP39UHQWHYRHW,<5SHULRGLHNHEHWDOLQJ307
EDOORRQEHWDOLQJ)9HQKHWEHGUDJGDWYRRUGHK\SRWKHHNLVEHWDDOG
QLHXZH39
'HQNDDQGHDIVSUDDNRYHUKHWJHEUXLNYDQWHNHQVELMFDVKIORZVEHWDDOGH
EHGUDJHQ]LMQQHJDWLHIRQWYDQJHQEHGUDJHQ]LMQSRVLWLHI
Voorbeeld. (HQLQYHVWHHUGHUZLOHHQK\SRWKHHNRSQHPHQYDQ
WHJHQRYHUHHQSHULRGHYDQMDDU6LQGVGHK\SRWKHHNLVJHQRPHQ
]LMQHUPDDQGHOLMNVHDIEHWDOLQJHQJHGDDQ'HOHQLQJZRUGWDDQKHWHLQG
YDQKHWYLMIGHMDDUYROOHGLJEHWDDOGHHQEDOORQEHWDOLQJ:DWLVGH
RSEUHQJVWYRRUGHNRSHUDOVGHSULMVYDQGHK\SRWKHHNZDV"
Punt 1. %HUHNHQ307/HWHURSGDW)9 
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
9,00
6ODDWGHUHQWHYRHWRS
240,00
6ODDWKHWDDQWDO
PDDQGHQRS
–100.000,00
6ODDWKHW
RRUVSURQNHOLMNHEHGUDJ
YDQGHOHQLQJRS
0,00
9RHUWKHWEHGUDJLQGDW
QDMDDUEHWDDOGPRHW
ZRUGHQ
899,73
%HUHNHQWGH
UHJHOPDWLJHEHWDOLQJ
10B.book Page 104 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 105
Punt 2. 9RHUGHQLHXZHZDDUGHYDQ1LQZDDUPHHZRUGWDDQJHJHYHQ
ZDQQHHUGHEDOORQEHWDOLQJJHEHXUW%HUHNHQYHUYROJHQV)9KHWEHGUDJ
YDQGHEDOORQEHWDOLQJ
Punt 3. 9RHUGHQLHXZHZDDUGHQYDQ1HQ39LQEHUHNHQYHUYROJHQVGH
QLHXZH,<5YRRUGHYHUGLVFRQWHHUGHK\SRWKHHNPHWEDOORQEHWDOLQJ
Jaarlijks percentage voor een lening met kosten
+HWMDDUOLMNVSHUFHQWDJH$35QHHPWGHNRVWHQLQDDQPHUNLQJGLH
JHZRRQOLMNEHUHNHQGZRUGHQELMKHWDIVOXLWHQYDQHHQK\SRWKHHNHQ
ZDDUGRRUGHUHQWHYRHWLQZHUNHOLMNKHLGZRUGWYHUKRRRJG+HWZHUNHOLMNH
EHGUDJGDWGHK\SRWKHHNQHPHURQWYDQJW39ZRUGWHULPPHUVGRRU
YHUPLQGHUGWHUZLMOGHSHULRGLHNHEHWDOLQJHQJHOLMNEOLMYHQ'H$35NDQ
ZRUGHQEHUHNHQGDOVGHWHUPLMQYDQGHK\SRWKHHN1SHULRGHVGH
MDDUOLMNVHUHQWHYRHW,35GHK\SRWKHHNVRPQLHXZH39HQKHWEHGUDJ
YDQGHNRVWHQEHNHQG]LMQ
Toetsen: Display: Beschrijving:
899,73
5RQGWYRRUGH
QDXZNHXULJKHLGGH
EHWDOLQJRSWZHH
GHFLPDOHQDI
60,00
6ODDWKHWDDQWDO
EHWDOLQJHQWRWGH
EDOORQEHWDOLQJRS
88.706,74
%HUHNHQWGH
EDOORQEHWDOLQJZRUGW
ELMGHODDWVWHEHWDOLQJ
RSJHWHOG
Toetsen: Display: Beschrijving:
18,00
6ODDWKHWRYHUJHEOHYHQ
DDQWDOEHWDOLQJHQRS
–79.000,00
6ODDWGHSULMVYDQGH
K\SRWKHHNRS
20,72
%HUHNHQWGHRSEUHQJVW
YDQGH]H
YHUGLVFRQWHHUGH
K\SRWKHHN
10B.book Page 105 Wednesday, June 28, 2000 3:31 PM
106 8: Extra voorbeelden
'HQNDDQGHDIVSUDDNRYHUKHWJHEUXLNYDQWHNHQVELMFDVKIORZVEHWDDOGH
EHGUDJHQ]LMQQHJDWLHIRQWYDQJHQEHGUDJHQ]LMQSRVLWLHI
Voorbeeld: APR voor een lening waaraan kosten verbonden zijn.
9RRUHHQOHQLQJZRUGWNRVWHQLQUHNHQLQJJHEUDFKWELMKHWDIVOXLWHQ
YDQHHQK\SRWKHHN+RHKRRJLVGH$35DOVGHK\SRWKHHNVRP
LVHQHHQORRSWLMGKHHIWYDQMDDUPHWHHQMDDUOLMNVHUHQWHYRHWYDQ
JHEDVHHUGRSPDDQGHOLMNVHEHWDOLQJHQ"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
8,50
6ODDWGHUHQWHYRHWRS
360,00
6ODDWGHGXXUYDQGH
OHQLQJRS
160.000,00
6ODDWKHW
RRUVSURQNHOLMNHEHGUDJ
YDQGHOHQLQJRS
0,00
'HOHQLQJZRUGWLQ
MDDUYROOHGLJDIEHWDDOG
–1.230,26
%HUHNHQWGHEHWDOLQJ
160.000,00
9UDDJWKHWEHGUDJYDQ
GHOHQLQJRS
156.800
7UHNWKHW
NRVWHQSHUFHQWDJHDI
8,72
%HUHNHQW$35NRVWHQ
LQDDQPHUNLQJ
JHQRPHQ
10B.book Page 106 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 107
Voorbeeld: Lening zonder tussentijdse aflossing. 'H
DIVOXLWSURYLVLHYDQHHQMDULJHOHQLQJYDQPHWMDDUOLMNVH
UHQWH]RQGHUWXVVHQWLMGVHDIORVVLQJLV:DWEUHQJWGLWGHNUHGLHWJHYHURS"
1HHPDDQGDWPDDQGHOLMNVHEHWDOLQJHQRYHUGHUHQWHZRUGHQJHGDDQ
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
12,00
6ODDWGHUHQWHYRHWRS
120,00
6ODDWGHGXXUYDQGH
OHQLQJRS
1.000.000,00
6ODDWKHW
RRUVSURQNHOLMNHEHGUDJ
YDQGHOHQLQJRS
–1.000.000,00
9RHUWKHWEHGUDJLQGDW
DDQKHWHLQGHYDQGH
ORRSWLMGYHUVFKXOGLJG
LV%HWDOLQJHQEHVWDDQ
DOOHHQXLWUHQWHKHW
WRWDDOJHOHHQGHEHGUDJ
LVGXVYHUVFKXOGLJG
–10.000,00
%HUHNHQWGHEHWDOLQJHQ
GLHDOOHHQXLWUHQWH
EHVWDDQ
1.000.000,00
9UDDJWKHWEHGUDJYDQ
GHOHQLQJRS
970.000,00
7UHNWKHW
NRVWHQSHUFHQWDJHDI
12,53
%HUHNHQW$35
10B.book Page 107 Wednesday, June 28, 2000 3:31 PM
108 8: Extra voorbeelden
Lening met een afwijkende eerste periode
790EHUHNHQLQJHQJDDQRYHUILQDQFLsOHWUDQVDFWLHVZDDUELMLHGHUH
EHWDOLQJVSHULRGHHYHQODQJLV+HWNRPWHFKWHUYRRUGDWGHHHUVWHSHULRGH
QLHWHYHQODQJLVDOVGHUHVWHUHQGHSHULRGHV'HHHUVWHSHULRGHZRUGWVRPV
GHDIZLMNHQGHRIJHGHHOWHOLMNHHHUVWHSHULRGHJHQRHPG
$OVHURYHUGHHHUVWHDIZLMNHQGHSHULRGHUHQWHZRUGWEHUHNHQGZRUGW
GH]HJHZRRQOLMNDOVHQNHOYRXGLJHUHQWHEHUHNHQGGXVQLHWVDPHQJHVWHOG
+HWEHUHNHQHQYDQEHWDOLQJHQZDDUELMHHQDIZLMNHQGHHHUVWHSHULRGH
YRRUNRPWJDDWPHWGH+3%,,LQWZHHVWDSSHQ
 %HUHNHQKHWEHGUDJDDQHQNHOYRXGLJHUHQWHGDWLQGHHHUVWH
JHGHHOWHOLMNHSHULRGHYHUVFKXOGLJGLVHQWHOGLWELMKHWEHGUDJYDQGH
OHQLQJRS'LWLVGHQLHXZH398PRHWGHOHQJWHYDQGHHHUVWH
DIZLMNHQGHSHULRGHNXQQHQEHUHNHQHQDOVHHQGHHOYDQGHJHKHOH
SHULRGH%LMYRRUEHHOGHHQDIZLMNHQGHSHULRGHYDQGDJHQ]RXHHQ
SHULRGH]LMQDOVHUYDQZRUGWXLWJHJDDQGDWHHQKHOHSHULRGHHHQ
PDDQGYDQGDJHQLV
 %HUHNHQGHEHWDOLQJPHWEHKXOSYDQGHQLHXZH39ZDDUELM1JHOLMN
LVDDQKHWDDQWDOYROOHGLJHSHULRGHV*HEUXLNGH%HJLQPRGXVDOVKHW
DDQWDOGDJHQWRWGHHHUVWHEHWDOLQJNOHLQHULVGDQJHEUXLNDQGHUV
GH(LQGPRGXV
Voorbeeld. (HQOHQLQJYDQRYHUPDDQGHQKHHIWHHQMDDUOLMNVH
UHQWHYDQ$OVGHHHUVWHPDDQGHOLMNVHEHWDOLQJQDGDJHQZRUGW
JHGDDQZDWLVGDQGHPDDQGHOLMNVHEHWDOLQJXLWJDDQGHYDQPDDQGHQYDQ
GDJHQ"
,QGLWYRRUEHHOGLVGHDIZLMNHQGHHHUVWHSHULRGHGDJHQ
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
15,00
6ODDWGHUHQWHYRHWRS
1,25
%HUHNHQWGHSHULRGLHNH
UHQWHYRHW
0,67
9HUPHQLJYXOGLJWPHWHHQGHHO
YDQHHQSHULRGH
10B.book Page 108 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 109
Een autolening
Voorbeeld. 8NRRSWHHQQLHXZHDXWRYRRU8GRHWHHQ
DDQEHWDOLQJYDQHQGHUHVWHUHQGHJDDWXILQDQFLHUHQ'H
GHDOHUELHGWXWZHHPDQLHUHQZDDURSJHILQDQFLHUGNDQZRUGHQ
(HQMDULJHOHQLQJPHWHHQMDDUOLMNVHUHQWHYDQ
(HQMDULJHOHQLQJPHWHHQMDDUOLMNVHUHQWHYDQHQ
NRUWLQJ
,QZHONJHYDOEHWDDOWXPLQGHUYRRUGHDXWR"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
%HUHNHQGHHHUVWHRSWLH
30,00
%HUHNHQWKHWEHGUDJDDQ
HQNHOYRXGLJHUHQWHGDWYRRUGH
DIZLMNHQGHSHULRGH
YHUVFKXOGLJGLV
4.530,00
7HOWGH]HHQNHOYRXGLJHUHQWHELM
GHKXLGLJHZDDUGHRS
36,00
6ODDWGHWHUPLMQZDDURYHUGH
OHQLQJORRSWRS
0,00
9RHUWKHWEHGUDJLQGDWQD
EHWDOLQJHQQRJXLWVWDDW
–157,03
%HUHNHQWKHWEHGUDJYDQGH
EHWDOLQJ
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
36,00
6ODDWGHEHNHQGHZDDUGHQRS
12,500.00
0,00
3,50
6ODDWGHHHUVWHUHQWHRS
–366,28
%HUHNHQWGHEHWDOLQJ
–13.185,94
%HUHNHQWGHWRWDOHUHQWHHQ
KRRIGVRP
10B.book Page 109 Wednesday, June 28, 2000 3:31 PM
110 8: Extra voorbeelden
%HUHNHQGHWZHHGHRSWLH
'HHHUVWHRSWLHNRVWLHWVPLQGHU
“Canadese hypotheek”
%LM&DQDGHVHK\SRWKHNHQ]LMQGHEHWDOLQJVSHULRGHVHQGH
VDPHQVWHOOLQJVSHULRGHVQLHWJHOLMN'HUHQWHZRUGWKDOIMDDUOLMNV
VDPHQJHVWHOGWHUZLMOEHWDOLQJHQPDDQGHOLMNVJHEHXUHQ$OVXGH790
PRJHOLMNKHLGYDQGH+3%,,ZLOWJHEUXLNHQPRHWXHHQ&DQDGHVH
K\SRWKHHNIDFWRUEHUHNHQHQGLWLVHHQDDQJHSDVWHUHQWHYRHWHQGH]HLQ,<5
RSVODDQ
0HHULQIRUPDWLHRYHUUHQWHYRHWFRQYHUVLHVYLQGWXRS
´5HQWHYRHWFRQYHUVLHVµRSSDJLQD 
Voorbeeld. :HONHPDDQGHOLMNVHEHWDOLQJLVQRGLJRPHHQ&DQDGHVH
K\SRWKHHNYDQRYHUMDDUWHDPRUWLVHUHQDOVGHMDDUOLMNVH
UHQWHYRHWLV"
Toetsen: Display: Beschrijving:
11.500,00
6ODDWEHGUDJYDQOHQLQJ
PLQGHNRUWLQJRS
9,50
6ODDWGHWZHHGHUHQWH
RS
–368,38
%HUHNHQWGHEHWDOLQJ
–13.261,64
%HUHNHQWGHWRWDOH
UHQWHHQKRRIGVRP
Toetsen: Display: Beschrijving:
12,00
2,00
6ODDWKHWEHNHQGHQRPLQDOH
SHUFHQWDJHHQKHWDDQWDO
VDPHQVWHOOLQJVSHULRGHV
12,36
%HUHNHQWGHMDDUOLMNVHHIIHFWLHYH
UHQWHYRHW
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
11,71
%HUHNHQWGH&DQDGHVH
K\SRWKHHNIDFWRUDDQJHSDVWH
UHQWHYRHW
10B.book Page 110 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 111
TVM-berekeningen voor “wat als...”-scenario’s
(pQYDQGHPHHVWZDDUGHYROOHDVSHFWHQYDQGH790WRHSDVVLQJYDQGH
+3%,,LVKHWJHPDNZDDUPHHGH]HWRHSDVVLQJNDQZRUGHQJHEUXLNW
YRRUEHUHNLQJHQLQYHUEDQGPHW´ZDWDOVµVFHQDULR·VVLPXODWLHV(HQHUJ
FRXUDQWHVLPXODWLHLVGHYROJHQGH´:DWDOVGHUHQWHYRHWYHUDQGHUWLQ«"
2SZHONHPDQLHUEHwQYORHGWGDWPLMQEHWDOLQJ"µ1DGDWXHHQEHWDOLQJ
KHEWEHUHNHQGGLHRSHHQEHSDDOGHUHQWHYRHWLVJHEDVHHUGKRHIWXRP
RSGH]HYUDDJDQWZRRUGWHNULMJHQDOOHHQGHQLHXZHUHQWHYRHWLQWH
YXOOHQHQ307RSQLHXZWHEHUHNHQHQ
,QHHQSDDUYRRUEHHOGHQHHUGHULQGH]HKDQGOHLGLQJKDGGHQZHKHW
JHEUXLNWYRRUZDWDOVVFHQDULR·VDOHYHQDDQJHVWLSWPDDUKLHUYROJW
HHQPHHUXLWJHZHUNWYRRUEHHOG
Voorbeeld. 8VWDDWRSKHWSXQWRPYRRUGHDDQNRRSYDQHHQ
YDNDQWLHKXLVHHQK\SRWKHHNYDQRYHUMDDUWHRQGHUWHNHQHQ
'HMDDUOLMNVHQRPLQDOHUHQWHYRHWLV
Deel 1. +RHJURRW]LMQXZEHWDOLQJHQDDQKHWHLQGYDQGHPDDQG"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
130.000
360,00
6ODDWDQGHUHEHNHQGHZDDUGHQ
YDQGHK\SRWKHHNRS
–1.308,30
%HUHNHQWGHPDDQGHOLMNVH
EHWDOLQJYRRUGH&DQDGHVH
K\SRWKHHN
Toetsen: Display: Beschrijving:
12,00
6WHOWKHWDDQWDO
EHWDOLQJHQSHUMDDULQ
735.000,00
6ODDWGHEHNHQGH
ZDDUGHQRS
11,20
360,00
0,00
–7.110,88
%HUHNHQWGHEHWDOLQJ
10B.book Page 111 Wednesday, June 28, 2000 3:31 PM
112 8: Extra voorbeelden
Deel 2. 'HVDODULVVHQYDQXZEHGULMIZRUGHQJHZRRQOLMNHHQVLQGHWZHH
ZHNHQRSYULMGDJEHWDDOG'HEDQNJDDWHUPHHDNNRRUGYDQLHGHUH
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10B.book Page 112 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 113
Sparen
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10B.book Page 113 Wednesday, June 28, 2000 3:31 PM
114 8: Extra voorbeelden
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10B.book Page 114 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 115
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10B.book Page 115 Wednesday, June 28, 2000 3:31 PM
116 8: Extra voorbeelden
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10B.book Page 116 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 117
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10B.book Page 117 Wednesday, June 28, 2000 3:31 PM
118 8: Extra voorbeelden
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82.510,22
6ODDWEHGUDJYDQGHOHQLQJRS
ZDDURSXZQLHXZHOHQLQJLV
JHEDVHHUG
9,50
6ODDWGHUHQWHYRHWRS
0,00
6ODDWKHWODDWVWHVDOGRRS
180,00
6ODDWKHWWRWDDODDQWDO
PDDQGHOLMNVHEHWDOLQJHQRS
–861,59
%HUHNHQWGHQLHXZHEHWDOLQJ
10B.book Page 118 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 119
9RHUYHUYROJHQVGHFDVKIORZVLQGLHGHZUDSDURXQGK\SRWKHHNYDQXLWKHW
RRJSXQWYDQGHNUHGLHWJHYHUYROOHGLJYRRUVWHOOHQRPKHWUHQGHPHQWYDQ
GHNUHGLHWJHYHUWHEHUHNHQHQ
:DQQHHUXERYHQVWDDQGHFDVKIORZVJURHSHHUW]LHWXGDW
&)
² ²
&)
² 
1

&)
 
1
² 
Toetsen: Display: Beschrijving:
CF0
–35.000,00
9RHUWLQDOVEHGUDJYDQ
GHOHQLQJLQ
CF1
107,59
9RHUWGHQHWWREHWDOLQJLQYRRU
GHHHUVWHPDDQGHQ
n1
82,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
CF2
861,59
9RHUWGHQHWWREHWDOLQJLQYRRU
GHYROJHQGHPDDQGHQ
n2
98,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
10,16
%HUHNHQWGHMDDUOLMNVH
RSEUHQJVW
10B.book Page 119 Wednesday, June 28, 2000 3:31 PM
120 8: Extra voorbeelden
Netto toekomstige waarde
'HQHWWRWRHNRPVWLJHZDDUGHNDQEHUHNHQGZRUGHQGRRUPHWGH790
WRHWVHQGHQHWWRKXLGLJHZDDUGH139LQKHWFDVKIORZGLDJUDPQDDU
UHFKWVWHVFKXLY HQ
Voorbeeld: Waarde van een fonds. 8KHEWGHDIJHORSHQWZHHMDDUGH
YROJHQGHVWRUWLQJHQJHGDDQLQHHQJHOGPDUNWIRQGVGDWRSEUHQJW
:DWLVKHWKXLGLJHVDOGRYDQXZUHNHQLQJ"
6WHOGH(LQGPRGXVLQ'UXNRS
DOVXGHBEGINLQGLFDWRU]LHW
Toetsen: Display: Beschrijving:
:LVWDOOHUHJLVWHUV
12,00
6WHOWKHWDDQWDOEHWDOLQJHQSHU
MDDULQ
CF0
–12.000,00
9RHUWGHHHUVWHFDVKIORZLQ
CF1
0,00
9RHUWKHWEHGUDJLQYDQJURHS

n1
2,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
CF2
–3.000,00
9RHUWKHWEHGUDJLQYDQJURHS

n2
3,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
n3
9,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
CF4
–7.500,00
9RHUWFDVKIORZJURHSLQ
10B.book Page 120 Wednesday, June 28, 2000 3:31 PM
8: Extra voorbeelden 121
n5
3,00
9RHUWLQKRHYDDNGHEHWDOLQJ
YRRUNRPW
CF6
–2.000,00
9RHUWFDVKIORZJURHSLQ
8,80
6ODDWGHMDDUOLMNVHUHQWHYRHWRS
–29.203,14
%HUHNHQWGHQHWWRFRQWDQWH
ZDDUGH139GLHDXWRPDWLVFK
DOV39ZRUGWRSJHVODJHQ
24,00
6ODDWGHEHNHQGHZDDUGHQRS
0,00
34.800,58
%HUHNHQWGHQHWWRWRHNRPVWLJH
ZDDUGH
10B.book Page 121 Wednesday, June 28, 2000 3:31 PM
10B.book Page 122 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 123
A
Hulp, Batterijen en Service
+HZOHWW3DFNDUG]LHWKHWDOV]LMQWDDNRPEOLMYHQGHRQGHUVWHXQLQJWH
ELHGHQ8NXQWYDQRQV&DOFXODWRU6XSSRUW' HSDUWPH QWDQWZRRUGNULMJHQ
RSYUDJHQRYHUKHWJHEUXLNYDQGHFDOFXODWRU
/HHVHHUVW´$QWZRRUGHQRSGHPHHVWYRRUNRPHQGHYUDJHQµYRRUGDWX
PHWRQVFRQWDFWRSQHHPW2Q]HHUYDULQJLVGDWYHOHYDQRQ]HNODQWHQ
GH]HOIGHYUDJHQKHEEHQRYHURQ]HSURGXFWHQ$OVXJHHQDQWZRRUGRS
XZYUDJH QYLQGWNXQWX]LFKPHWRQVLQYHUELQGLQJVWHOOHQGRRUKHWDGUHV
RIWHOHIRRQQXPPHUWHJHEUXLNHQGDWRSGHELQQHQNDQWYDQKHW
DFKWHUEODGLVYHUPHOG
Antwoorden op de meest voorkomende
vragen
Q: :HUNWGHFDOFXODWRUJRHGRIGRHLN]HOILHWVYHUNHHUG"+RHNDQLN
YDVWVWHOOHQRIGHFDOFXODWRUJRHGZHUNW"
A: =LH´9DVWVWHOOHQRIGHFDOFXODWRUVHUYLFHQRGLJKHHIWµRSSDJLQD 
Q: ,QPLMQJHWDOOHQVWDDQNRPPD·VLQSODDWVYDQSXQWHQRPGHGHFLPDOHQ
DDQWHJHYHQ+RHNDQLNGHSXQWHQWHUXJNULMJHQ"
A: 'UXNRS SDJLQD 
Q: +RHNDQLNKHWDDQWDOGHFLPDOHQYHUDQGHUHQGDWGH+3 %,,LQGH
GLVSOD\WRRQW"
A: 'UXNRS JHYROJGGRRUKHWDDQWDOGHFLPDOHQGDWXZHQVW
SDJLQD 
10B.book Page 123 Wednesday, June 28, 2000 3:31 PM
124 A: Hulp, Batterijen en Service
Q: :DWEHWHNHQWHHQ´(µLQHHQ JHWDOELMYRRUE HHOG(²"
A: ([SRQHQ WYDQWLHQELMYRRUEHHOGï =LH
´:HWHQVFKDSSHOLMNHQRWDWLHµRSSDJLQD 
Q: :DDURP NULMJLNYH UNHHUGHDQWZRRUGHQRIGHPH OGLQJno SoLution ELM
KHWJHEUXLNYDQ790"
A: &RQWUROHHURIXELMYLHUYDQGHYLMI790ZDDUGHQHHQZDDUGHKHEW
LQJHYRHUGYRRUGDWXGHYLMIGHRSORVWRRNDOVppQYDQGHZDDUGHQQXOLV
9HUJHHWQLHWHHQQXOYRRU
RSWHVODDQDOVXHHQOHQLQJYROOHGLJDIORVW
+HWZLVVHQYDQDOOHUHJLVWHUV
YRRUGDWXXZEHNHQGHZDDUGHQ
LQYRHUWJHHIWKHW]HOIGHHIIHFW&RQWUROHHURIGHFDOFXODWRULQGHMXLVWH
EHWDOLQJVPRGXVVWDDW%HJLQRI(LQGPRGXVHQGDW3<5MXLVWLV
LQJHVWHOG
Q: +RHNDQLNKHWWHNHQYDQHHQJHWDOLQHHQOLMVWPHWFDVKIORZV
YHUDQGHUHQ"
A: 8PRHWGHLQJHYRHUGHFDVKIORZYHUDQGHUHQ=LH´&DVKIORZVEHNLMNHQ
HQYHUYDQJHQµRSSDJLQD 
Q: :DWEHWHNHQWPENDLQGHGLVSOD\"
A: (HQUHNHQNXQGLJHEHZHUNLQJZRUGWXLWJHYRHUG
Q: :DWEHWHNHQWINPUTLQGHGLVSOD\"
A:8KHEWRSGH WRHWVJHGUXNWSDJLQD 
Q: :DDURPLV,55<5JURWHUGDQLNYHUZDFKWWH"
A: 'LWLV,55SHUMDDU2PHHQ,55SHUSHU LRGHWHNULMJHQPRHWX,55
<5GHOHQ GRRU3<5
10B.book Page 124 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 125
Omgevingsfactoren
2PGLWSURGXFWEHWURXZEDDUWHODWHQZHUNHQPRHWXYHU PLMGHQGDWGH
FDOFXODWRUQDWZRUGWHQPRHWXGHYROJHQGHOLPLHWHQTXDWHPSHUDWXXUHQ
YRFKWLJKHLGLQDFKWQHPHQ
7HPSHUDWXXUELMJ HEUXLNWRW&WRW)
%HZDDUWHPSHUDWXXU²WRW&²WRW)
9RFKWLJKHLGELMJHEUXLNHQRSVODJUHODWLHYHYRFKWLJKHLGELM
PD[LPDDO&)
Geluidssterkte. ,QGHQRUPDOHKRXGLQJELMQRUPDDOJHEUXLNSHU,62
/S$G%
Voeding en Batterijen
'HFDOFXODWRUZRUGWJHYRHGGRRUWZHHYROWOLWKLXPNQRRSFHOEDWWHULMHQ
*HEUXLNHQNHOQLHXZHNQRRSFHOEDWWHULMHQDOVXGHEDWWHULMHQYHUYDQJW
%HLGHEDWWHULMHQPRHWHQWHJHOLMNYHU YDQJHQZRUGHQ
*HEUXLNJHHQRSODDGEDUHEDWWHULMHQ
Batterij-indicator
$OVGHLQGLFDWRU ]LFKWEDDULVEHWHNHQWGLWGDWXGHEDWWHULMHQ]R
VSRHGLJPRJHOLMNPRHWYHUYDQJHQ'HLQGLFDWRUIOLNNHUWDOVGH
VWURRPVWHUNWHWHODDJZRUGW
$OVGHEDWWHULMLQGLFDWRUDDQJDDWHQGHGLVSOD\]ZDNNHUZRUGWYHUOLFKWNDQ
KHW]LMQGDWXJ HJHYHQVNZLMWUDDNW$OV JHJHYHQVYHUORUHQJDDQWHQJHYROJH
YDQWHODJHVWURRPVWHUNWH]LHWXGHPHOGLQJ
All Clear
Batterijspecificaties
8Z+3FDOFXODWRUJHEUXLNWWZHHOLWKLXPEDWWHULMHQ&5
10B.book Page 125 Wednesday, June 28, 2000 3:31 PM
126 A: Hulp, Batterijen en Service
Batterijen plaatsen
 =RUJGDWXWZHHQLHXZH&5EDWWHULMHQKHEW5DDNEDWWHULMHQ
HQNHODDQGHUDQGDDQ9HHJHONHEDWWHULMVFKRRQP HWHHQQLHW
SOXL]HQGHGRHNRPYXLOHQYHWWHYHUZLMGHUHQ
 &RQWUROHHURIGHFDOFXODWRUXLWVWDDW8YHUOLHVWGHLQKR XGYDQKHW
JHKHXJHQDOVXGHEDWWHULMHQYHUYDQJWVFKULMIGXVGHJHJHYHQVRSGLH
XRSJHVODJHQKH EWHQQRGLJKHEWYRRUODWHUJ HEUXLN
 'UDDLGHFDOFXODWRURPHQYHUZLMGHUGHNOHSYDQGHEDWWHULMKR XGHU
Toegang tot de batterijhouder
 9HUZLMGHUEHLGHEDWWHULMHQ
 3ODDWVGHQLHXZHEDWWHULMHQHQFRQWUROHHU RIKHWSRV LWLHIWHNHQ
RSHONHEDWWHULMQDDUEXLWHQZLMVW
 3ODDWVGHNOHSYDQGHEDWWHULMKRXGHUWHUXJ
 'UXNRS
$OVGHFDOFXODWRUQLHWDDQJDDWYROJGDQGHSURFHGXUHVLQGHYROJHQGH
SDUDJUDDI
Let op!
Gevaar voor explosie indien batterij niet correct
wordt vervangen.
Vervang de batterij enkel met een zelfde of
gelijksoortig type, zoals aangeraden door de
fabrikant. Gooi de gebruikte batterijen weg volgens
de instructies van de fabrikant.
Beschadig de batterijen niet, prik er niet in en gooi
batterijen niet in het vuur. Batterijen kunnen
openbarsten of ontploffen waardoor gevaarlijke
chemische stoffen vrij kunnen komen.
Gebruik geen nieuwe en oude batterijen of batterijen
van verschillende types door elkaar.
10B.book Page 126 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 127
Vaststellen of de calculator service nodig heeft
*HEUXLNGH]HULFKWOLMQHQRPWHEHSDOHQRIGHFDOFXODWRUVHUYLFHQRGLJ
KHHIW$OVGHSURFHGXUHVEHYHVWLJHQGDWGHFDOFXODWRUQLHWQDDUEHKRUHQ
ZHUNWOHHVGDQGHSDUDJUDDI´$OVGHFDOFXODWRUVHUYLFHQRGLJKHHIWµRS
SDJLQD 
De calculator is niet aan te krijgen (er verschijnt niets in de
display):
'H]HVLWXDWLHEHWHNHQWPHHVWDOGDWGHEDWWHULMHQOHHJ]LMQ3ODDWV
QLHXZHEDWWHULMHQ
$OVGHFDOFXODWRUQRJVWHHGVQLHWDDQWHNULMJHQLVDOVXRS
GUXNW
 VWHOGHFDOFXODWRURSQLHXZLQ]LHYHUGHUHQLQGLHQQRGLJ
 :LVKHWJHKHXJHQ]LHYHUGHU
'HPHOGLQJ
All Clear ]RXQXPRHWHQYHUVFKLMQHQ$OVGLWQLHWKHW
JHYDOLVGDQLVVHUYLFHQRGLJ
De calculator opnieuw instellen
 'UDDLGHFDOFXODWRURPHQYHUZLMGHUGHNOHSYDQGH
EDWWHULMKRXGHU
 'UXNKHWXLWHLQGHYDQHHQSDSHUFOLSLQKHWNOHLQHURQGHJDW
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 'UXNRS
 $OVGHFDOFXODWRUQRJVWHHGVQLHWUHDJHHUWZLVGDQKHWJHKHXJ HQ
]LHYHUGHUHQKHUKDDOVWDSSHQWRWQRJHHQNHHU
Het geheugen van de calculator wissen
 +RXGGH WRHWVLQJHGUXNW
 +RXGYHUYROJHQV]RZHOGH
DOVGH WRHWVLQJHGUXNW
 /DDWGHGULHWRHWVHQORV
+HWJHKHXJHQLVJHZLVWHQGHPHOGLQJ
All Clear]RXQX]LFKWEDDU
PRHWHQ]LMQ
10B.book Page 127 Wednesday, June 28, 2000 3:31 PM
128 A: Hulp, Batterijen en Service
De calculator reageert niet op op het aanslaan van toetsen (er
gebeurt niets als u op de toetsen drukt):
 6WHOGHFDOFXODWRURSQLHXZLQzie bovenHQLQGLHQQRGLJ
 ZLVKHWJHKHXJHQ
zie boven
'HPHOGLQJ
All Clear ]RXQXPRHWHQYHUVFKLMQHQ$OVGLWQLHWKHW
JHYDOLVGDQLVVHUYLFHQRGLJ
De calculator reageert wel op toetsaanslagen maar u
vermoedt dat hij toch niet werkt zoals het hoort:
 +HWLVPRJHOLMNGDWXHHQIRXWKHEWJHPDDNWELMKHWEHGLHQHQ
YDQGHFDOFXODWRU+HUOHHVGHWRHSDVVHOLMNHGHOHQYDQGH
KDQGOHLGLQJHQFRQWUROHHU´$QWZRRUGHQRSGHPHHVW
YRRUNRPHQGHYUDJHQµRSSDJLQD 
 1HHPFRQWDFWRSPHWKHW&DOFXODWRU6XSSRUW'HSDUWPHQW+HW
DGUHVHQWHOHIRRQQXPPHUVWDDQDDQGHELQQHQ]LMGHYDQKHW
DFKWHUEODG
Beperkt garantiebewijs voor één jaar
Wat onder de garantie valt
+HZOHWW3DFNDUGJHHIWJDUDQWLHRSGHFDOFXODWRUPHWXLW]RQGHULQJYDQGH
EDWWHULMHQRIVFKDGHYHURRU]DDNWGRRUGHEDWWHULMHQ WHQDDQ]LHQYDQ
PDWHULDDOGHIHFWHQHQRQWRHUHLNHQGYDNPDQVFKDSJHGXUHQGHppQMDDUQDGHGDWXPYDQ
RRUVSURQNHOLMNHDDQNRRS$OVXGHFDOFXODWRUYHUNRRSWRIZHJJHHIWJDDWGH
JDUDQWLHDXWRPDWLVFKRYHURSGHQLHXZHHLJHQDDUHQ EOLMIWJHOGLJ
JHGXUHQGHGHRRUVSURQ NHOLMNHSHULRGHYDQppQMDDU*HGXUHQGHGH
JDUDQWLHWHUPLMQNXQWXHHQSURGXFWGDWPDQNHPHQWHQYHUWRR QWGRRURQV
NRVWHORRVODWHQUHSDUHUHQRIYHUYDQJHQRSYRRUZDDUGHGDWXKHW
EHWUHIIHQGHSURGXFWYROGRHQGHJHI UDQNHHUGDDQHHQVHUYLFHGLHQVWYDQ
+HZOHWW3DFNDUGUHWRXUQHHUW9HUYDQJLQJNDQJHVFKLHGHQGR RUHHQ
QLHXZHURIJHOLMNZDDUGLJPRGHORIHHQPR GHOPHWEHWHUHIXQFWLRQDOLWHLW
'LWJDUDQWLHEHZLMVJHHI WXEHSDDOGHZHWWHOLMNHUHFKWHQ7HYHQVNXQWX
EHSDDOGHUHFKWHQKHEEHQ GLHSHUODQGHQ]HOIVELQ QHQHHQODQGNXQQHQ
YHUVFKLOOHQ
10B.book Page 128 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 129
Wat niet onder de garantie valt
%DWWHULMHQHQGRRUEDWWHULMHQYHURRU]DDNWHV FKDGHZRUGHQQLHWGRRUGH
+HZOHWW3DFNDUGJDU DQWLHJHGHNW5DDGSOHHJXZOHYHUDQFLHURYHUJDUDQWLH
RSEDWWHULMHQHQZDWEHWUHIWOHNNDJHV
'LWJDUDQWLHEHZLMVLVQLHWJ HOGLJZDQQHHUKHWSURGXFWEHVFKDGLJGLVGRRU 
HHQRQJHYDORIRQGHVNXQGLJJH EUXLNWRIWHQJHYROJHYDQRQGHUKRXGRI
DDQSDVVLQJGRRUHHQQLHWGR RU+HZOHWW3DFNDUGHUNHQGHVHUYLFHGLHQVW
(UZRUGWJHHQ DQGHUHVSHFLDOHJDUDQWLHYHUVWUHNW5HSDUDWLHRIYHUYDQJLQJ
YDQHHQSURGXFWLVXLWVOXLWHQGXZHLJHQYHUDQWZRRUGHOLMNKHLG$OOH
DQGHUHJHwPSOLFHHUGHJDUDQWLHVEHWUHIIHQGHYHUNRRSEDDUKHLGHQ
FRQGLWLHYDQKHWDSSDUDDWJHOGHQXLWVOXLWHQGYRRUGH
JDUDQWLHSHULRGHYDQGLWVFKULIWHOLMNHEHZLMV'RRUGDWLQ VRPPLJH
ODQGHQEHSHUNLQJHQDDQJDDQGHGHGXXUYDQGHJHwP SOLFHHUGHJDUDQ WLH
QLHWWRHJHVWDDQ]LMQKRHIWERYHQVWDDQGHEHSHUNLQJQLHWYRRUXWHJHOGHQ
,QJHHQJHYDONDQ+HZOHWW3DFNDUG1HGHUODQG%9
YHUDQWZRRUGHOLMNZRUGHQJHVWHOGYRRUELMNRPHQGHVFKDGH'RR UGDW
LQVRPPLJHODQGHQEHSHUNLQJRIXLWVOXLWLQJYDQGHJDUDQWLHYRRU
LQFLGHQWHOHRIELMNRPHQGHVFKDGHQLHWLVWRHJ HVWDDQKRHIWERYHQVWDDQGH
XLWVOXLWLQJRIEHSHUNLQJQLHWYRRUXWHJHOGHQ 
3URGXFWHQZRUGHQYHUNRFKWRSEDVLVYDQVSHFLILFDWLHVGLHYDQWRHSDVVLQJ
ZDUHQRSKHWWLMGVWLSYDQSURGXFWLH+HZOHWW3DFNDUGLVQLHWYHU SOLFKW
UHHGVYHUNRFKWHSURGXFWHQDDQWHSDVVHQRIWHPRGHUQLVHUHQ
Klantentransacties in het Verenigd Koninkrijk
'H]HJDUDQWLHLVQLHWYDQWRHSDVVLQJRSNODQWHQWUDQVDFWLHVHQKHHIWJHHQ
LQYORHGRSGHJURQGZHWWHOLMNHUHFKWHQYDQHHQFRQVXPHQW0HW
EHWUHNNLQJWRWGHUJHOLMNHWUDQVDFWLHVZRUGHQGHUHFKWHQHQYHUSOLFKWLQJHQ
YDQNRSHUHQYHUNRSHUELMZHWEHSDDOG
10B.book Page 129 Wednesday, June 28, 2000 3:31 PM
130 A: Hulp, Batterijen en Service
Als de calculator service nodig heeft
+HZOHWW3DFNDUGKHHIWVHUYLFHGLHQVWHQLQYHOHODQGHQ'H]HGLHQVWHQ
UHSDUHUHQFDOFXODWRUVRIYHUYDQJHQGH]HGRRUKHW]HOIGHPRGHORIGRRU
HHQPRGHOPHWHHQKRJHUHZDDUGHRQJHDFKWGHJDUDQWLHEHSDOLQJHQ1D
KHWYHUVWULMNHQYDQGHJDUDQWLHSHULRGHZRUGHQYRRUVHUYLFHNRVWHQLQ
UHNHQLQJJ HEUDFKW*HZRRQOLMNJHVFKLHGWRQGHUKRXGDDQHQWHUXJ]HQGLQJ
YDQFDOFXODWRUVELQQHQYLMIZHUNGDJHQ
Service-adressen
In de Verenigde Staten:6WXXUGHFDOFXODWRUQDDUHHQHUNHQGH+3
VHUYLFHGLHQVW]LHELQQHQ]LMGHRPVODJ
In Europa:1HHPFRQWDFWRSPHW+HZOHWW3DFNDUGLQ1HGHUODQGRI
%HOJLs]LHELQQHQ]LMGHRPVODJKHW(XURSHVHKRRIGNZDUWLHUYDQ
+HZOHWW3DFNDUGRIPHWXZGHDOHUYRRUDGUHVVHQYDQGH
GLFKWVWELM]LMQGHVHUYLFHGLHQVW9HUVWXXUGHFDOFXODWRUQLHWYRRURQGHUKRXG
]RQGHUHHUVWFRQWDFWRSJHQRPHQWHKHEEHQPHWHHQ+HZOHWW3DFNDUGYHVWLJLQJ
*DQDDUKWWSZZZKSFRPFDOFXODWRUVYRRUHHQOLMVWYDQ
VHUYLFHGLHQVWHQLQ(XURSD
In andere landen:1HHPFRQWDFWRSPHWKHW+HZOHWW3DFNDUG
YHUNRRSNDQWRRURIPHWXZGHDOHURIVFKULMIQDDUHHQHUNHQGH+3
VHUYLFHGLHQVW]LHELQQHQ]LMGHRPVODJYRRUDGUHVVHQYDQDQGHUH
VHUYLFHGLHQVWHQ$OVSODDWVHOLMNJHHQVHUYLFHEHVFKLNEDDULVNXQWXGH
FDOFXODWRUYRRUUHSDUDWLHVYHUVWXUHQQDDUHHQHUNHQGH+3
VHUYLFHGLHQVW
9HU]HQGLQJUHJHOLQJYDQKHULPSRUWHQGRXDQHNRVWHQ]LMQXZHLJHQ
YHUDQWZRRUGHOLMNKHLG
Servicekosten
9RRUVHUYLFHYHUOHQLQJEXLWHQGHJDUDQWLHWHUPLMQEHVWDDQYDVWHWDULHYHQ
+HWVHUYLFHFHQWUXP]LHELQQHQ]LMGHDFKWHUEODGNDQXYHUWHOOHQZDWGH
NRVWHQ]LMQ'H]HNRVWHQ]LMQRQGHUKHYLJDDQGHSODDWVHOLMNHEHSDOLQJHQ
YRRUYHUNRRSVEHODVWLQJHQ%7:DOVGH]HYDQWRHSDVVLQJ]LMQ
'HYDVWHUHSDUDWLHNRVWHQ]LMQQLHWYDQWRHSDVVLQJDOVGHFDOFXODWRUGRRU
RQJHYDORIRQGHVNXQGLJJHEUXLNLVEHVFKDGLJG,QGH]HJHYDOOHQZRUGW
KHWWDULHIEHSDDOGRSJURQGYDQEHVWHGHWLMGHQNRVWHQYRRUPDWHULDDO
10B.book Page 130 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 131
Verzendinstructies
$OVRQGHUKRXGQRGLJLV]HQGWXGHFDOFXODWRUQDDUGHGLFKWVWELM]LMQGH
HUNHQGHVHUYLFHGLHQVWRIHHQHUNHQGLQ]DPHOSXQW
9HUPHOGXZDGUHVHQYRHJHHQEHVFKULMYLQJYDQKHWSUREOHHPELM
$OVGHJDUDQWLHSHULRGHQRJQLHWLVYHUVWUHNHQGLHQWXHHQ
DDQNRRSEHZLMVPHWYHUPHOGLQJYDQGHDDQNRRSGDWXPELMWHVOXLWHQ
9RHJHHQLQNRRSRUGHUFKHTXHRIKHWQXPPHUYDQXZFUHGLWFDUG
PHWJHOGLJKHLGVGXXU9,6$RI0DVWHU&DUGELMRPGHVWDQGDDUG
UHSDUDWLHNRVWHQPHHWHYROGRHQ
/HWRS+HWLVPRJHOLMNGDWFUHGLWFDUGVQLHWDDQYDDUGZRUGHQLQ
(XURSD0HHULQIRUPDWLHYLQGWXRSKWWSZZZKSFRP
FDOFXODWRUV
9HU]HQGGHFDOFXODWRUWHUYHUPLMGLQJYDQVFKDGHJRHGYHUSDNWLQ
EHVFKHUPHQGYHUSDNNLQJVPDWHULDDO'HUJHOLMNHVFKDGHLVQLHWGRRU
GHJDUDQWLHJHGHNWKHWLVGDDURPYHUVWDQGLJGHYHU]HQGLQJWH
YHU]HNHUHQ
9ROGRHGHYHU]HQGNRVWHQRQJHDFKWRIGHFDOFXODWRURQGHUJDUDQWLH
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Garantie op service
8KHEWJDUDQWLHRSYHUOHHQGHVHUYLFHYRRUPDWHULDDOGHIHFWHQHQ
RQWRHUHLNHQGYDNPDQ VFKDSJHGXUHQGHQDVHUYLFHYHUOHQLQJRIYRRUGH
UHVWYDQXZRRUVSURQNHOLMNHJDUDQWLHODQJVWHSHULRGHJHOGW
Servicecontracten
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RQGHUKRXG=LHKHWIRUPXOLHUYRRULQGHKDQGOHLGLQJ9RRUPHHU
LQIRUPDWLHNXQWXFRQWDFWRSQHPHQPHWHHQ+3VHUYLFHGLHQVW]LH
ELQQHQ]LMGHRPVODJ
10B.book Page 131 Wednesday, June 28, 2000 3:31 PM
132 A: Hulp, Batterijen en Service
Verdere informatie
V.S. 'LWWRHVWHOYROGRHWDDQ3DUWYDQGH)&&5XOHV*HEUXLNLV
RQGHUKHYLJDDQYROJHQGHWZHHYRRUZDDUGHQ'LWWRHVWHOPDJJHHQ
VFKDGHOLMNHLQWHUIHUHQWLHYHURRU]DNHQHQGLWWRHVWHOPRHWLQWHUIHUHQWLH
NXQQHQRSYDQJHQRRNGHLQWHUIHUHQWLHGLHRQJHZHQVWHJHYROJHQNDQ
KHEEHQ
'H]HFDOFXODWRUJHQHUHHUWHQJHEUXLNW UDGLRIUHTXHQWLHHQHUJLHHQNDQ
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EHSHUNLQJHQYRRUHHQ.ODVVH%GLJLWDOGHYLFH]RDOVRPVFKUHYHQLQ3DUW
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EHVFKHUPLQJWHELHGHQWHJHQLQWHUIHUHQWLHYRRUHHQKXLVHOLMNHLQVWDOODWLH
(ULVHFKWHUJHHQJDUDQWLHGDWLQWHUIHUHQWLHQLHWPRJHOLMNLVYRRUEHSDDOGH
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10B.book Page 132 Wednesday, June 28, 2000 3:31 PM
A: Hulp, Batterijen en Service 133
Japan
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Termen en condities voor de eindgebruiker
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10B.book Page 133 Wednesday, June 28, 2000 3:31 PM
134 A: Hulp, Batterijen en Service
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JDUDQWLHWHUPHQXLWGH]HYHUNODULQJVOXLWHQEHKDOYHLQGHPDWHGLH
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10B.book Page 134 Wednesday, June 28, 2000 3:31 PM
B: Nog meer berekeningen 135
B
Nog meer berekeningen
IRR/YR Berekeningen
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GH]HEHQDGHULQJWHJHEUXLNHQRPHHQDQGHUHEHUHNHQLQJXLWWHYRHUHQ
'LWZRUGWKHWLWHUHUHQGHSURFHVJHQRHPG
,QGHPHHVWHJHYDOOHQYLQGWGHFDOFXODWRUKHWJHZHQVWHDQWZRRUGRPGDW
HUYDDNVOHFKWVppQRSORVVLQJLVYRRUGHEHUHNHQLQJ+HWEHUHNHQHQYDQ
,55<5YRRUEHSDDOGHYHU]DPHOLQJHQYDQFDVKIORZVLVHFKWHU
LQJHZLNNHOGHU(UNXQQHQPHHUGDQppQRIJHHQRSORVVLQJHQYRRUKHW
SUREOHHP]LMQ,QGH]HJHYDOOHQWRRQWGHFDOFXODWRUHHQPHOGLQJGLHX
KHOSWELMKHWLQWHUSUHWHUHQYDQZDWHULVJHEHXUG
Mogelijke resultaten bij het berekenen van IRR/YR
'HPRJHOLMNHUHVXOWDWHQYDQHHQ,55<5EHUHNHQLQJ]LMQ
Geval 1.'HFDOFXODWRUWRRQWHHQSRVLWLHYHRSORVVLQJ'LWLVGHHQLJH
SRVLWLHYHRSORVVLQJ(UNXQQHQHFKWHUppQRIPHHUQHJDWLHYH
XLWNRPVWHQEHVWDDQ
Geval 2.'HFDOFXODWRUYLQGWHHQQHJDWLHYHRSORVVLQJPDDUHHQ
HQNHOYRXGLJHSRVLWLHYHRSORVVLQJEHVWDDWRRN8]LHW
Pos Irr Also8
NULMJWGHQHJDWLHYHRSORVVLQJWH]LHQGRRURS
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PHOGLQJWHZLVVHQ8YLQGWGHSRVLWLHYHRSORVVLQJGRRUHHQVFKDWWLQJ
LQWHYRHUHQ=LH´(HQVFKDWWLQJLQYRHUHQYRRU,55<5µ
KLHURQGHU(UNXQQHQRRNQRJH[WUDQHJDWLHYHXLWNRPVWHQ]LMQ
Geval 3.'HFDOFXODWRUWRRQWHHQQHJDWLHIDQWZRRUGHQJHHQ
PHOGLQJ'LWLVGHHQLJHRSORVVLQJ
10B.book Page 135 Wednesday, June 28, 2000 3:31 PM
136 B: Nog meer berekeningen
Geval 4.'HFDOFXODWRUWRRQWGHPHOGLQJNot Found'LWJHHIWDDQ
GDWGHEHUHNHQLQJ]HHULQJHZLNNHOGLV(UNDQPHHUGDQppQSRVLWLHYH
RIQHJDWLHYHRSORVVLQJ]LMQRIHUNDQJHHQRSORVVLQJ]LMQ2PPHWGH
EHUHNHQLQJYHUGHUWHJDDQPRHWXHHQEHQDGHULQJRSVODDQ]LH
KLHURQGHU
Geval 5.'HFDOFXODWRUWRRQWGHPHOGLQJNo Solution(ULVJHHQ
RSORVVLQJ'H]HVLWXDWLHNDQYRRUNRPHQDOVHUHHQIRXWLVJHPDDNW
ELMYRRUEHHOGELMKHWLQYRHUHQYDQGHFDVKIORZV(HQYDDN
YRRUNRPHQGHIRXWGLHGH]HPHOGLQJWRWUHVXOWDDWKHHIWLVKHW
SODDWVHQYDQKHWYHUNHHUGHWHNHQYRRUHHQFDVKIORZ(HQFRUUHFWH
VHULHFDVKIORZVYRRUHHQ,55<5EHUHNHQLQJPRHWWHQPLQVWHppQ
SRVLWLHYHHQppQQHJDWLHYHFDVKIORZKHEEHQ
IRR/YR stoppen en opnieuw beginnen
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RSLHGHUPRPHQWVWRSSHQGRRURSGH
WRHWVWHGUXNNHQ8]LHWGDQGH
PHOGLQJ
IntErruPtEd$OVXQXRS GUXNW]LHWXGHEHQDGHULQJYDQ
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GRRUKHWYROJHQGHWHGRHQ
'UXNRS WHUZLMOGHKXLGLJHEHQDGHULQJLQGHGLVSOD\
VWDDWZHHUJHJHYHQ+LHUGRRUZRUGWGHEHUHNHQLQJZHHUEHJRQQHQ
YDQDIKHWSXQWZDDUGH]HZHUGDIJHEURNHQ
+HWRSVODDQYDQHHQVFKDWWLQJYRRU,55<5VWDDWKLHURQGHU
EHVFKUHYHQ
Een schatting invoeren voor IRR/YR
8YRHUWHHQVFKDWWLQJLQGRRUHHQEHQDGHULQJYDQ,55<5LQWHYRHUHQ
HQYHUYROJHQVRS
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10B.book Page 136 Wednesday, June 28, 2000 3:31 PM
B: Nog meer berekeningen 137
%LMKHWEHUHNHQHQYDQ,55<5PHWEHKXOSYDQHHQVFKDWWLQJVWRSWGH
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10B.book Page 137 Wednesday, June 28, 2000 3:31 PM
138 B: Nog meer berekeningen
Formules
Berekening van marge en brutowinst
Time Value of Money (TVM)
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10B.book Page 138 Wednesday, June 28, 2000 3:31 PM
B: Nog meer berekeningen 139
Amortisatie
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10B.book Page 139 Wednesday, June 28, 2000 3:31 PM
140 B: Nog meer berekeningen
Cashflowberekeningen
$OV139 LVGHRSORVVLQJYRRULKHWSHULRGLHNHLQWHUQHUHQGHPHQW
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10B.book Page 140 Wednesday, June 28, 2000 3:31 PM
B: Nog meer berekeningen 141
Statistiek
 
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[
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10B.book Page 141 Wednesday, June 28, 2000 3:31 PM
10B.book Page 142 Wednesday, June 28, 2000 3:31 PM
C: Meldingen 143
C
Meldingen
'UXNRS RI RPHHQPHOGLQJYDQGHGLVSOD\WHZLVVHQ
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KHWLQGUXNNHQYDQ
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*HHQ2SORVVLQJ(UEHVWDDWJHHQRSORVVLQJYRRUGHLQJHYRHUGH
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FDOFXODWRURPP HHWHNXQQ HQ ZHUNHQ'HPHOGLQ JZRUGWJHGXUHQ GHHHQ
NRUWPR PHQ WJ HWR RQ GHQYHUYROJHQ V]LH WXKHWUHVXOWDDWYDQGHRYHUIORZ
('HRYHUI ORZPHOGLQJ]LHWXRR NDOVKH WUHVXOWDDW
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JHYROJKHHIW,Q GLWJHYDOEOLMIWGHPHOGLQJLQ GHGLVS OD\VWDDQ
10B.book Page 143 Wednesday, June 28, 2000 3:31 PM
144 C: Meldingen
Pos Irr Also
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UHQWHYRHW(HQEHUHNHQLQJYDQ,55<5KHHIWHHQQHJDWLHYHRSORVVLQJ
(UEHVWDDWRRNHHQSRVLWLHYHRSORVVLQJSDJLQD 
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5XQQLQJ%H]LJ(UZRUGWHHQEHUHNHQLQJXLWJHYRHUG
UFLO
8QGHUIORZ(HQWXVVHQWLMGVUHVXOWDDWLQ790LVWHNOHLQYRRUGH+3
%,,RPPHHWHNXQQHQZHUNHQ'LWEHULFKWZ RUGWRRNNRUW
ZHHUJHJHYHQDOVHUXQGHUIORZRSWUHHGWELMHHQEHZHUNLQJ,QGDWJHYDO
ZRUGWKHWJHYROJGGRRUQXO
10B.book Page 144 Wednesday, June 28, 2000 3:31 PM
Index 145
Index
7RHWVHQGLHKLHUQLHWZHHUJHJHYHQ]LMQ
NXQWXWHUXJYLQGHQLQGHDOIDEHWLVFKH
VHFWLHVYDQGH]HLQGH[
Speciale tekens










, 
, 









, 
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A
$DQ]HWWHQ 
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$PRUWLVDWLH
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
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10B.book Page 145 Wednesday, June 28, 2000 3:31 PM
146 Index
%HWDOLQJ
EDOORQ

SHULRGHV

YRRUXLW

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, 
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
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
LQYRHUHQ

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YRRUEHHOGHQ

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, –
CF 

C-FLOW 
&LMIHUVVFKHLGLQJVWHNHQ
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, 
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D
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
E
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
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
ERROR 
([SRQHQWHQ

F
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
790

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
FULL 
FUNC 
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10B.book Page 146 Wednesday, June 28, 2000 3:31 PM
Index 147
*HWDOQRWDWLH
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, 
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
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
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,55<5
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
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10B.book Page 147 Wednesday, June 28, 2000 3:31 PM
148 Index
N
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139
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10B.book Page 148 Wednesday, June 28, 2000 3:31 PM
Index 149
6HUYLFH 
(XURSD

86$
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
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
6WDWLVWLHNHQPHWppQ YDULDEHOH
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, 
790
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
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9DVWJRHGHLJHQGRP 
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
9HUGLVFRQWHHUGHK\SRWKHNHQ

9HUGLVFRQWHUHQYDQFDVKIORZV

9HUNRRSSULMV
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9HUNRRSSULMVYDVWVWHOOHQ

9HUYDOZDDUGH

9HUZDFKWLQJHQ
, 
9HUZLMGHUHQ
PHOGLQJHQ

9LHUNDQWVZRUWHO

9RRUXLWEHWDOLQJ

9RRUXLWEHWDOLQJHQ

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
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
10B.book Page 149 Wednesday, June 28, 2000 3:31 PM
150 Index
W
:HWHQVFKDSS HOLMNHQRWDWLH 
:LVVHQ
GLVSOD\

JHKHXJHQ

VWDWLVWLHNHQ

790

:RUWHOV

:UDSDURXQGK\SRWKHNHQ

X

Y

10B.book Page 150 Wednesday, June 28, 2000 3:31 PM
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HP 10bII Business Calculator Handleiding

10bII Business Calculator
HP
Merk
HP
Model
10bII Business Calculator
Type
Handleiding
Deze handleiding is ook geschikt voor
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