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Effective Interest Rate

Effective Interest Rate, or EIR, is the real interest rate, telling you the total cost of borrowing that you really have to pay for the life of the loan contract, as opposed to the fixed rate or the general annual interest rate. 😎💚# excelsoezy # Exceltricks # exceltips # Excel # Lemon 8 Howtoo

4/27 Edited to

... Read moreEIR คืออะไร? EIR (Effective Interest Rate) หรือ “อัตราดอกเบี้ยที่แท้จริง/อัตราดอกเบี้ยเทียบเท่าต่อปี” คืออัตราดอกเบี้ยที่สะท้อนต้นทุนดอกเบี้ยจริงเมื่อมี “การทบต้น” ภายในปี ยิ่งทบต้นบ่อย (รายเดือน/รายสัปดาห์) ตัวเลขที่เราจ่ายจริงจะยิ่งสูงกว่าอัตราดอกเบี้ยที่ประกาศ (Nominal rate) แม้จะเห็นเปอร์เซ็นต์เท่ากันก็ตาม ทำไม EIR ถึงสำคัญเวลาเทียบสินเชื่อ/บัตรเครดิต? เพราะบางที่โฆษณาดอกเบี้ยรายปีเท่ากัน แต่รอบทบต้นไม่เท่ากัน ทำให้ภาระดอกเบี้ยจริงต่างกัน การดู EIR ช่วยให้เทียบ “ต่อปีแบบมาตรฐานเดียวกัน” ได้ง่ายขึ้น (เหมือนแปลงให้เป็นภาษาเดียวกันก่อนเทียบ) แนวคิดหลักที่ควรรู้ก่อนคำนวณ - อัตราดอกเบี้ยที่กำหนด (Nominal/อัตราประกาศ): เช่น 10% ต่อปี - จำนวนงวดทบต้นต่อปี (npery): ทบต้นต่อปี = 1, ต่อ 6 เดือน = 2, ต่อ 3 เดือน = 4, ต่อ 1 เดือน = 12, รายสัปดาห์ประมาณ 52 - ยิ่งจำนวนงวดทบต้นมาก EIR จะยิ่งสูง (ถ้าอัตราประกาศเท่าเดิม) วิธีคำนวณ EIR ใน Excel (ใช้ฟังก์ชัน EFFECT) 1) ใส่อัตราดอกเบี้ยที่กำหนดไว้ในเซลล์หนึ่ง เช่น E6 = 10% 2) ใส่จำนวนงวดทบต้นต่อปีในอีกคอลัมน์ เช่น 1, 2, 4, 12, 52 3) ใช้สูตร: =EFFECT(E$6, E8) - พารามิเตอร์ตัวแรก = อัตราดอกเบี้ยที่กำหนด (nominal_rate) - พารามิเตอร์ตัวที่สอง = จำนวนงวดทบต้นต่อปี (npery) 4) ปรับรูปแบบเซลล์เป็น % แล้ว “คัดลอกสูตรลงไป” เพื่อดู EIR ของแต่ละแบบการทบต้น ตัวอย่างให้เห็นภาพ (อัตราประกาศ 10%) - ทบต้นปีละครั้ง (npery=1) → EIR = 10.00% - ทบต้นรายเดือน (npery=12) → EIR จะมากกว่า 10% (เพราะมีทบต้นระหว่างปี) - ทบต้นรายสัปดาห์ (npery=52) → EIR สูงขึ้นอีกเล็กน้อย ทริกเล็ก ๆ เวลาอ่านเงื่อนไขจริง - ถ้าสัญญาเขียนว่า “คิดดอกเบี้ย X% ต่อปี ทบต้นรายเดือน” ให้รีบแปลงเป็น EIR เพื่อเทียบกับที่อื่น - ถ้าเจอคำว่า “อัตราดอกเบี้ยต่อเดือน” อย่าสับสน: ต้องแยกให้ได้ว่าเป็นดอกเบี้ยแบบหาร 12 เฉย ๆ หรือเป็นอัตราต่อรอบที่มีการทบต้นจริง สรุป: ถ้าคุณอยากตอบคำถามว่า “EIR คืออะไร” แบบใช้งานได้จริง ให้จำไว้ว่า EIR คือดอกเบี้ยแท้จริงเมื่อรวมผลของการทบต้น และใน Excel คำนวณได้ง่ายมากด้วย =EFFECT(อัตราดอกเบี้ยที่กำหนด, จำนวนงวดทบต้นต่อปี)

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