{"id":5775,"date":"2025-07-15T13:34:44","date_gmt":"2025-07-15T13:34:44","guid":{"rendered":"https:\/\/functiontranslator.com\/urokova-mira\/"},"modified":"2021-02-26T10:02:25","modified_gmt":"2021-02-26T10:02:25","slug":"rate","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/cs\/rate\/","title":{"rendered":"\u00daROKOV\u00c1.M\u00cdRA"},"content":{"rendered":"

\u00davod do funkce \u00daROKOV\u00c1.M\u00cdRA<\/h2>\n

Funkce \u00daROKOV\u00c1.M\u00cdRA (v anglick\u00e9m MS Excel zn\u00e1m\u00e1 jako RATE) se pou\u017e\u00edv\u00e1 k v\u00fdpo\u010dtu \u00farokov\u00e9 m\u00edry investice nebo financov\u00e1n\u00ed zalo\u017een\u00e9ho na pravideln\u00fdch, konstantn\u00edch platb\u00e1ch a st\u00e1l\u00e9 \u00farokov\u00e9 m\u00ed\u0159e. Tato funkce je u\u017eite\u010dn\u00e1 p\u0159i pl\u00e1nov\u00e1n\u00ed financ\u00ed, anal\u00fdze investic a p\u0159i \u0159\u00edzen\u00ed dluhu.<\/p>\n

Syntaxe a vyu\u017eit\u00ed<\/h2>\n

Syntaxe funkce \u00daROKOV\u00c1.M\u00cdRA v Excelu je n\u00e1sleduj\u00edc\u00ed:<\/p>\n

\u00daROKOV\u00c1.M\u00cdRA(doba_trv\u00e1n\u00ed, pravideln\u00e1_platba, sou\u010dasn\u00e1_hodnota, [budouc\u00ed_hodnota], [typ], [odhad])<\/code><\/pre>\n
    \n
  • doba_trv\u00e1n\u00ed<\/strong> – po\u010det obdob\u00ed pro platby (nap\u0159. po\u010det let).<\/li>\n
  • pravideln\u00e1_platba<\/strong> – \u010d\u00e1stka, kter\u00e1 se m\u00e1 pravideln\u011b platit v ka\u017ed\u00e9m obdob\u00ed.<\/li>\n
  • sou\u010dasn\u00e1_hodnota<\/strong> – sou\u010dasn\u00e1 hodnota \u0159ady budouc\u00edch plateb.<\/li>\n
  • budouc\u00ed_hodnota<\/strong> (voliteln\u00fd) – budouc\u00ed hodnota, kter\u00e1 z\u016fstane po posledn\u00ed platb\u011b (obvykle 0).<\/li>\n
  • typ<\/strong> (voliteln\u00fd) – ozna\u010duje, kdy maj\u00ed b\u00fdt platby provedeny (0 na konci obdob\u00ed, 1 na za\u010d\u00e1tku obdob\u00ed).<\/li>\n
  • odhad<\/strong> (voliteln\u00fd) – odhad \u00farokov\u00e9 m\u00edry, s v\u00fdchoz\u00ed hodnotou 10%.<\/li>\n<\/ul>\n
    N\u00e1sleduj\u00ed p\u0159\u00edklady vyu\u017eit\u00ed funkce v praxi:<\/p>\n
    P\u0159\u00edklad 1: V\u00fdpo\u010det \u00farokov\u00e9 m\u00edry p\u016fj\u010dky<\/h2>\n
    P\u0159edstavte si, \u017ee zva\u017eujete p\u016fj\u010dku ve v\u00fd\u0161i 100 000 K\u010d, kterou byste cht\u011bli spl\u00e1cet pravideln\u00fdmi m\u011bs\u00ed\u010dn\u00edmi spl\u00e1tkami 5 000 K\u010d po dobu 24 m\u011bs\u00edc\u016f. Jednoduch\u00fd v\u00fdpo\u010det \u00farokov\u00e9 m\u00edry by vypadal n\u00e1sledovn\u011b:<\/p>\n
    =\u00daROKOV\u00c1.M\u00cdRA(24, -5000, 100000)<\/code><\/pre>\n
    Minus p\u0159ed \u010d\u00edslou 5000 K\u010d indikuje, \u017ee se jedn\u00e1 o v\u00fddaj. V\u00fdsledek funkce poskytuje \u00farokovou m\u00edru p\u016fj\u010dky.<\/p>\n
    P\u0159\u00edklad 2: V\u00fdpo\u010det \u00farokov\u00e9 m\u00edry investi\u010dn\u00edho pl\u00e1nu<\/h2>\n
    M\u00e1te spo\u0159ic\u00ed pl\u00e1n, kde m\u011bs\u00ed\u010dn\u011b vkl\u00e1d\u00e1te 3 000 K\u010d po dobu 5 let (celkem 60 m\u011bs\u00edc\u016f) a o\u010dek\u00e1v\u00e1te kone\u010dnou sumu 200 000 K\u010d. V\u00fdpo\u010det pot\u0159ebn\u00e9 \u00farokov\u00e9 m\u00edry by vypadalo n\u00e1sledovn\u011b:<\/p>\n
    =\u00daROKOV\u00c1.M\u00cdRA(60, -3000, 0, 200000)<\/code><\/pre>\n
    Op\u011bt minus u 3 000 K\u010d ozna\u010duje pravidelnou platbu z va\u0161eho \u00fa\u010dtu. Funkce ur\u010d\u00ed po\u017eadovanou m\u00edru \u00faroku pro dosa\u017een\u00ed va\u0161eho finan\u010dn\u00edho c\u00edle.<\/p>\n
    Tyto p\u0159\u00edklady ilustruj\u00ed praktick\u00e9 a b\u011b\u017en\u00e9 finan\u010dn\u00ed vyu\u017eit\u00ed funkce \u00daROKOV\u00c1.M\u00cdRA. Funkce m\u016f\u017ee b\u00fdt tak\u00e9 pou\u017eita v komplexn\u011bj\u0161\u00edch finan\u010dn\u00edch modelech a anal\u00fdz\u00e1ch.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Vr\u00e1t\u00ed \u00farokovou sazbu vzta\u017eenou na\u00a0obdob\u00ed anuity<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[283],"tags":[],"class_list":["post-5775","post","type-post","status-publish","format-standard","hentry","category-financni"],"acf":[],"yoast_head":"\nFunkce RATE (\u00daROKOV\u00c1.M\u00cdRA) v Excelu: jak funguje, primjeri kori\u0161tenja formule<\/title>\n<meta name=\"description\" content=\"Opis funkcije RATE (\u00daROKOV\u00c1.M\u00cdRA) u Excelu i Google tablicama. 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