{"id":12250,"date":"2025-01-15T07:45:32","date_gmt":"2025-01-15T07:45:32","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/ung-dung-ham-pv-trong-excel-de-tinh-toan-hieu-qua-cua-cac-phuong-an-dau-tu\/"},"modified":"2025-01-15T07:45:32","modified_gmt":"2025-01-15T07:45:32","slug":"ung-dung-ham-pv-trong-excel-de-tinh-toan-hieu-qua-cua-cac-phuong-an-dau-tu","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/ung-dung-ham-pv-trong-excel-de-tinh-toan-hieu-qua-cua-cac-phuong-an-dau-tu\/","title":{"rendered":"\u1ee8ng d\u1ee5ng h\u00e0m PV trong Excel \u0111\u1ec3 t\u00ednh to\u00e1n hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<div id=\"id_58e1de917fc9a6417034613\" class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">N\u1ebfu b\u1ea1n \u0111ang c\u00f3\u00a0trong tay 500 \u2013 700tr ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 mu\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ea3ng n\u00e0o \u0111\u00f3, v\u00ed d\u1ee5 b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u01b0 mua chung c\u01b0 cho thu\u00ea, mua nh\u00e0 cho thu\u00ea, ho\u1eb7c ch\u1ee9ng kho\u00e1n, ho\u1eb7c \u0111\u01a1n gi\u1ea3n nh\u1ea5t l\u00e0 g\u1eedi ti\u1ebft ki\u1ec7m \u2026 nh\u01b0ng b\u1ea1n kh\u00f4ng bi\u1ebft ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 n\u00e0o hi\u1ec7u qu\u1ea3, an to\u00e0n v\u00e0 \u0111em l\u1ea1i l\u1ee3i t\u1ee9c cho b\u1ea1n th\u00ec trong b\u00e0i vi\u1ebft n\u00e0y, m\u00ecnh s\u1ebd h\u01b0\u1edbng d\u1eabn c\u00e1c b\u1ea1n \u1ee9ng d\u1ee5ng h\u00e0m PV trong Excel \u0111\u1ec3 t\u00ednh to\u00e1n hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0.<\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">H\u00e0m PV \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 h\u00e0m s\u1eed d\u1ee5ng \u0111\u1ec3 t\u00ednh c\u00e1c kho\u1ea3n ti\u1ec1n b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai v\u1ec1 hi\u1ec7n t\u1ea1i ch\u00ednh x\u00e1c l\u00e0 bao nhi\u00eau ti\u1ec1n sau khi tr\u1eeb \u0111i c\u00e1c chi ph\u00ed c\u01a1 h\u1ed9i.<\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">V\u00ed d\u1ee5 m\u00ecnh b\u1ecf ra 100 tri\u1ec7u \u0111\u1ea7u t\u01b0 h\u00f4m nay, sau m\u1ed9t n\u0103m m\u00ecnh nh\u1eadn \u0111\u01b0\u1ee3c 200tr, n\u1ebfu t\u00ednh \u0111\u01a1n gi\u1ea3n th\u00ec b\u1ea1n l\u00e3i 100tr, nh\u01b0ng n\u1ebfu x\u00e9t v\u1ec1 kh\u00eda c\u1ea1nh t\u00e0i ch\u00ednh th\u00ec ch\u01b0a ch\u00ednh x\u00e1c, v\u00ec b\u1ea1n \u0111ang b\u1ecf qua chi ph\u00ed c\u01a1 h\u1ed9i l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c khi b\u1ea1n \u0111\u1ea7u t\u01b0 \u0111\u01a1n gi\u1ea3n l\u00e0 g\u1eedi ng\u00e2n h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t 10%. Trong v\u00ed d\u1ee5 n\u00e0y th\u1ef1c l\u00e3i c\u1ee7a b\u1ea1n kho\u1ea3ng 90tr ch\u1ee9 kh\u00f4ng ph\u1ea3i 100tr nh\u01b0 b\u1ea1n h\u00ecnh dung.<\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">H\u00e0m PV\u00a0c\u00f3 c\u1ea5u tr\u00fac nh\u01b0 sau:<\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">\n<div class=\"page\" title=\"Page 197\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>=<strong>PV(Rate, Nper, Pmt, Fv, Type)<\/strong><br \/>\nGi\u1ea3i th\u00edch:<\/p>\n<ul>\n<li>Rate: L\u00e3i su\u1ea5t \u0111\u1ecbnh k\u1ef3.<\/li>\n<li>Nper: T\u1ed5ng s\u1ed1 k\u1ef3 h\u1ea1n.<\/li>\n<li>Pmt: L\u00e0 kho\u1ea3n thanh to\u00e1n cho m\u1ed7i th\u1eddi h\u1ea1n .<\/li>\n<li>Fv: Gi\u00e1 tr\u1ecb ni\u00ean kho\u1ea3ng trong t\u01b0\u01a1ng lai hay s\u1ed1 d\u01b0 sau l\u1ea7n thanh to\u00e1n cu\u1ed1i c\u00f9ng, b\u1ecf qua \u0111\u1ed1i n\u00e0y th\u00ec m\u1eb7c \u0111\u1ecbnh l\u00e0 0.<\/li>\n<li>Type: X\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m thanh to\u00e1n. C\u00f3 hai gi\u00e1 tr\u1ecb 1 v\u00e0 0. + N\u1ebfu Type=1: Thanh to\u00e1n v\u00e0o \u0111\u1ea7u m\u1ed7i th\u1eddi \u0111i\u1ec3m.<\/li>\n<\/ul>\n<p>+ N\u1ebfu Type=0: Thanh to\u00e1n v\u00e0o cu\u1ed1i m\u1ed7i th\u1eddi \u0111i\u1ec3m<br \/>\n+ N\u1ebfu b\u1ecf qua \u0111\u1ed1i n\u00e0y th\u00ec Excel hi\u1ec3u Type=0.<\/p>\n<p>\u1ee8ng d\u1ee5ng h\u00e0m tr\u00ean v\u00e0o <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1Tun9i7-o9Cx5pNnVaCsVfP5LpJm9p0jiQQmvXmE-VZM\/edit#gid=0\" target=\"_blank\">c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 t\u1ea1i \u0111\u00e2y<\/a>\u00a0trong \u0111\u00f3 ta c\u1ea7n\u00a0c\u1ea7n t\u00ednh PV c\u1ee7a c\u00e1c kho\u1ea3n thu nh\u1eadp t\u1eeb d\u1ef1 \u00e1n v\u00e0 PV c\u1ee7a c\u00e1c kho\u1ea3n chi ph\u00ed, l\u1ea5y PV thu nh\u1eadp tr\u1eeb \u0111i PV chi ph\u00ed th\u00ec \u0111\u01b0\u1ee3c c\u00e1c k\u1ebft lu\u1eadn nh\u01b0 sau:<\/p>\n<p><strong><span class=\"text_exposed_show\">1. Ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 mua chung c\u01b0 \u0111\u1ec3 cho thu\u00ea.<\/span><\/strong><\/p>\n<p>V\u1edbi s\u1ed1 ti\u1ec1n tr\u00ean b\u1ea1n mua chung c\u01b0 t\u1ea7m 1ty4 l\u00e0 \u0111\u1eb9p, vay ng\u00e2n h\u00e0ng 700tr l\u00e3i 10%, m\u1ed7i th\u00e1ng x\u00ec ra 9tr250K tr\u1ea3 l\u00e3i v\u00e0 g\u1ed1c trong 10 n\u0103m, cho thu\u00ea \u0111\u01b0\u1ee3c 10tr\/th\u00e1ng, sau 10 n\u0103m may m\u1eafn b\u00e1n chung c\u01b0 \u0111\u01b0\u1ee3c 2ty5 (Gi\u00e1 Max lu\u00f4n nh\u00e9, v\u00ec hi\u1ec7n nay ngu\u1ed3n cung chung c\u01b0 r\u1ea5t l\u1edbn, kh\u1ea3 n\u0103ng t\u0103ng gi\u00e1 kh\u00f3 c\u00f3 th\u1ec3 x\u1ea3y ra \u0111\u01b0\u1ee3c, ch\u01b0a k\u1ec3 nh\u00e0 c\u0169, xu\u1ed1ng c\u1ea5p, kh\u1ea5u hao \u2026) th\u00ec 10 n\u0103m sau b\u1ea1n c\u00f3 bi\u1ebft b\u1ea1n l\u00e3i bao nhi\u00eau ti\u1ec1n kh\u00f4ng? B\u1ea1n l\u1ed7 145,5Tr.\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\"><br \/>\n<strong>2. Ph\u01b0\u01a1ng \u00e1n mua \u0111\u1ea5t x\u00e2y nh\u00e0 cho thu\u00ea.<\/strong><\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\">Mua \u0111\u1ea5t x\u00e2y nh\u00e0 cho thu\u00ea v\u1edbi chi ph\u00ed t\u1ea7m 2 t\u1ef7, b\u1ea1n vay nh\u00e0 bank 1ty3 tr\u1ea3 l\u00e3i 10% m\u1ed9t n\u0103m trong 10 n\u0103m, t\u00ednh ra m\u1ed7i th\u00e1ng b\u1ea1n ph\u1ea3i tr\u1ea3 nh\u00e0 bank kho\u1ea3ng 17tr2, b\u1ea1n cho thu\u00ea m\u1ed7i th\u00e1ng \u0111\u01b0\u1ee3c 20tr, sau 10 n\u0103m khu v\u1ef1c nh\u00e0 b\u1ea1n d\u00e2n c\u01b0 \u0111\u00f4ng \u0111\u00fac, ng\u00f5 r\u1ed9ng \u00f4 t\u00f4 v\u00e0o \u0111\u01b0\u1ee3c, b\u1ea1n b\u00e1n \u0111\u01b0\u1ee3c 4 t\u1ef7, t\u00ednh t\u1ea5t c\u1ea3 th\u00ec sau 10 n\u0103m b\u1ea1n l\u00e3i \u0111\u01b0\u1ee3c: \u2013 5Tri\u1ec7u <span class=\"_47e3 _5mfr\" title=\"Bi\u1ec3u t\u01b0\u1ee3ng c\u1ea3m x\u00fac grin\"><span class=\"_7oe\">\ud83d\ude00<\/span><\/span>,<br \/>\nP\/s: N\u1ebfu b\u1ea1n b\u00e1n c\u0103n nh\u00e0 \u0111\u01b0\u1ee3c 5 t\u1ef7 th\u00ec b\u1ea1n l\u00e3i 502Tri\u1ec7u, b\u1ea1n b\u00e1n 6 t\u1ef7 b\u1ea1n l\u00e3i 1ty1, n\u1ebfu ch\u1ecdn ph\u01b0\u01a1ng \u00e1n n\u00e0y, b\u1ea1n ph\u1ea3i ch\u1eafc ch\u1eafn l\u00e0 b\u00e1n nh\u00e0 \u0111\u01b0\u1ee3c tr\u00ean 5 t\u1ef7 th\u00ec h\u00e3y \u0111\u1ea7u t\u01b0 nh\u00e9.<\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\"><br \/>\n<strong>3. Ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n.<\/strong><\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\">Hi\u1ec7n nay tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 kh\u00e1 nhi\u1ec1u blue chip tr\u1ea3 c\u1ed5 t\u1ee9c kh\u00e1 cao, t\u00ednh tr\u00ean v\u1ed1n \u0111\u1ea7u t\u01b0 nhi\u1ec1u m\u00e3 \u0111\u01b0\u1ee3c 20%-30% (T\u1ee9c l\u00e0 b\u1ea1n b\u1ecf 10K thu v\u1ec1 2K-3K m\u1ed9t n\u0103m), b\u1ea1n b\u1ecf 700tr \u0111\u1ea7u t\u01b0, b\u00ecnh qu\u00e2n m\u1ed7i th\u00e1ng b\u1ea1n s\u1ebd thu v\u1ec1 \u0111\u01b0\u1ee3c 14tr5, sau 10 n\u0103m b\u1ea1n b\u00e1n \u0111i v\u1eabn \u0111\u01b0\u1ee3c 700Tr th\u00ec b\u1ea1n l\u00e3i: 804Tr, kh\u00f4ng may gi\u00e1 c\u1ed5 phi\u1ebfu b\u1ecb gi\u1ea3m v\u00e0 ch\u1ec9 c\u00f2n 400Tr th\u00ec b\u1ea1n v\u1eabn l\u00e3i: 755Tr nha. Nh\u01b0ng \u0111\u1eddi kh\u00f4ng \u0111\u1eb9p nh\u01b0 m\u01a1 v\u00ec ch\u01b0a ch\u1eafc m\u00e3 c\u1ed5 phi\u1ebfu tr\u00ean s\u1ebd \u0111em l\u1ea1i cho b\u1ea1n kho\u1ea3n l\u1ee3i t\u1ee9c \u0111\u1ec1u nh\u01b0 v\u1eady, nh\u01b0ng c\u0169ng kh\u00f4ng bi\u1ebft tr\u01b0\u1edbc \u0111\u01b0\u1ee3c v\u00ec n\u00f3 c\u00f3 th\u1ec3 t\u0103ng l\u00ean 50% th\u00ec sao?<\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\"><br \/>\n<strong>4. Ph\u01b0\u01a1ng \u00e1n g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng.<\/strong><\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\">H\u00e0ng th\u00e1ng b\u1ea1n c\u00f3 kho\u1ea3n l\u1ee3i t\u1ee9c 4tr v\u00e0 t\u1ea5t nhi\u00ean r\u1ed3i, b\u1ea1n s\u1ebd b\u1ea3o to\u00e0n \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb s\u1ed1 ti\u1ec1n c\u1ee7a b\u1ea1n, b\u1ea1n v\u1eabn thu v\u1ec1 \u0111\u01b0\u1ee3c 700Tr ban \u0111\u1ea7u nh\u01b0ng b\u1ea1n kh\u00f4ng l\u00e3i kh\u00f4ng l\u1ed7.<\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\"><span class=\"text_exposed_show\"><br \/>\nTrong t\u1ea5t c\u1ea3 c\u00e1c ph\u01b0\u01a1ng \u00e1n tr\u00ean, B\u00e1ch \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t cho ng\u00e2n h\u00e0ng vay l\u00e0 7%, chi ph\u00ed c\u01a1 h\u1ed9i s\u1eed d\u1ee5ng ngu\u1ed3n v\u1ed1n b\u1eb1ng l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng, ng\u00e2n h\u00e0ng cho b\u1ea1n vay l\u00e0 10%, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 cu\u1ed1i c\u00f9ng v\u1eabn mang ti\u1ec1n v\u1ec1 cho b\u1ea1n, ch\u1ec9 kh\u00e1c m\u1ed9t \u0111i\u1ec1u so v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea1n b\u1ecf ra trong 10 n\u0103m so v\u1edbi kho\u1ea3n b\u1ea1n thu v\u1ec1 h\u00e0ng n\u0103m v\u00e0 v\u00e0o n\u0103m th\u1ee9 10 l\u00e0 c\u00f3 s\u1ef1 ch\u00eanh l\u1ec7ch kh\u00e1 l\u1edbn v\u00e0 \u0111\u00f3 ch\u00ednh l\u00e0 k\u1ebft qu\u1ea3 m\u00ecnh chia s\u1ebb \u1edf tr\u00ean. M\u00ecnh c\u00f2n m\u1ed9t l\u01b0u \u00fd n\u1eefa \u0111\u00f3 l\u00e0 kho\u1ea3n ch\u00eanh l\u1ec7ch n\u00e0y ph\u1ee5 thu\u1ed9c kh\u00e1 nhi\u1ec1u v\u00e0o s\u1ed1 ti\u1ec1n ban \u0111\u1ea7u b\u1ea1n b\u1ecf ra v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n s\u1ebd thu \u0111\u01b0\u1ee3c sau 10 n\u0103m b\u00e1n \u0111i nh\u00e9, h\u00e3y c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n t\u1ed1i \u01b0u.\u00a0<\/span><\/div>\n<div class=\"text_exposed_root text_exposed\" style=\"text-align: justify\">P\/s: \u0110\u1ec3 t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 \u1ee9ng\u00a0d\u1ee5ng h\u00e0m NPV, m\u1eddi b\u1ea1n tham kh\u1ea3o c\u00e1ch s\u1eed d\u1ee5ng h\u00e0m NPV t\u1ea1i \u0111\u00e2y.<\/div>\n<\/div>\n<div class=\"uk-panel uk-margin uk-width-xlarge\">\n<p>Click \u0111\u0103ng k\u00fd h\u1ecdc t\u1ea1i:<\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/khoa-hoc\" target=\"_blank\" rel=\"noopener\">T\u1ea5t c\u1ea3 kho\u00e1 h\u1ecdc\u00a0<span>\ud83d\udcd6<\/span><\/a><\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/huong-dan-kich-hoat-khoa-hoc-tai-hoc-excel-online.html\" target=\"_blank\" rel=\"noopener\">H\u01b0\u1edbng d\u1eabn k\u00edch ho\u1ea1t<\/a><\/p>\n<p>HKD H\u1ecdc Excel Online<br \/>S\u1ed1 \u0110K: 17A80048102<\/p>\n<\/div>\n<div class=\"uk-panel uk-text-small uk-margin uk-margin-remove-bottom uk-text-center\">\n<p>\u00a9  document.currentScript.insertAdjacentHTML(&#8216;afterend&#8217;, &#8221; + new Intl.DateTimeFormat(document.documentElement.lang, {year: &#8216;numeric&#8217;}).format() + &#8221;);  H\u1ecdc Excel Online. All rights reserved.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ebfu b\u1ea1n \u0111ang c\u00f3\u00a0trong tay 500 \u2013 700tr ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0 mu\u1ed1n \u0111\u1ea7u t\u01b0..<\/p>\n","protected":false},"author":1,"featured_media":12251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-12250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-excel-co-ban"],"_links":{"self":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12250","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/comments?post=12250"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12250\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/12251"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=12250"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=12250"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=12250"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}