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[{"$nulls":6},"שאלה 9",null,"סבתא אתי הפקידה בבנק \"מאגדים\" בתחילת שנת 2020 סך של 80,000 ש\"ח לתקופה של שנה. סבתא אתי                                                                     הינה לקוחת \"VIP\" , הבנק הציע לה ריבית שנתית קבועה מראש של 2.8% (תכנית לא-צמודה).\nסבתא אתי קיבלה בסוף השנה 83,700 ש\"ח. האינפלציה בשנת 2020 הסתכמה ב -3.7%.\nבכמה עלה/ירד ריאלית כספה של סבתא אתי בשנה זו?\n"]
[]
[]
[{"$nulls":8},"נתונים:"]
[{"$nulls":8},"הלוואה",{"v":80000,"d":"80,000.00"},"pv"]
[{"$nulls":8},"תקופות ",1,"n"]
[{"$nulls":8},"ריבית נומינלית",{"v":0.028,"d":"2.80%"},"Rn"]
[{"$nulls":8},"אינפלציה",{"v":0.037,"d":"3.70%"},"π"]
[{"$nulls":8},"חישוב ריבית ראלית על פי נוסחת פישר - ",null,{"$f":"(1+J8)/(1+J9)-1","v":{"v":-0.00867888138862094,"d":"-0.868%"}},"כסף ירד ריאלית ב- 0.876%"]
[]
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[{"$nulls":8},10,"מלאים",5,"מלאים"]
[{"$nulls":8},10,"חצי",5,"ריקים"]
[{"$nulls":8},10,"ריקים"]
{"$rows_empty":11}
[{"$nulls":6},"שאלה 10",null,"\nניר קיבל בבנק הלוואת בלון של 90,000 ש\"ח לשנה. הריבית השנתית: 5%. ההלוואה צמודה למדד המחירים. \nמדד המחירים לצרכן ביום  קבלת  ההלוואה : 104.8 נקודות.\nמדד המחירים לצרכן ביום החזרת ההלוואה: 103.9 נקודות. \nמהו הסכום שניר החזיר ביום פירעון ההלוואה?\n"]
[]
[]
[]
[{"$nulls":8},"נתונים:",null,null,"פיתרון:"]
[{"$nulls":8},"הלוואה",{"v":90000,"d":"90,000"},"pv","ערך עתידי של ההלוואה ללא הצמדה",{"$f":"FV(J34,J35,,-J33)","v":{"v":94500,"d":"₪ 94,500.00"}},"הלוואת בלון"]
[{"$nulls":8},"ריבית",{"v":0.05,"d":"5.0%"},"r","ערך עתידי של ההלוואה כולל הצמדה",{"$f":"M33*(J37/J36)","v":{"v":93688.4541984733,"d":"₪ 93,688.45"}}]
[{"$nulls":8},"תקופות",1,"n",null,"המדד ירד ולכן ההצמדה הקטינה את סכום ההחזר"]
[{"$nulls":8},"מדד התחלה",104.8,"Mo"]
[{"$nulls":8},"מדד סיום",103.9,"Mn"]