Effective Annual Rate کا حساب کیسے لگائیں
Effective Annual Rate کیا ہے؟
Effective Annual Rate (EAR), also called Annual Equivalent Rate (AER), is the actual annual interest rate accounting for compounding within the year. It allows comparison of loans or investments with different compounding frequencies.
مرحلہ وار گائیڈ
- 1EAR = (1 + r/n)^n − 1
- 2r = nominal (stated) annual rate, n = compounding periods per year
- 3Daily compounding always gives a higher EAR than monthly, which is higher than annual
- 4APY (Annual Percentage Yield) on savings accounts IS the EAR
حل شدہ مثالیں
ان پٹ
12% nominal, monthly compounding
نتیجہ
EAR = 12.68%
(1 + 0.12/12)^12 − 1
ان پٹ
12% nominal, daily compounding
نتیجہ
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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