Detaillierte Anleitungen zur Benutzung finden Sie in der Bedienungsanleitung.
[. . . ] Die Vervielfltigung, Adaptierung oder bersetzung dieses Handbuchs ist, wenn sie nicht durch die Urheberrechtsgesetze zulssig sind, ohne die vorherige schriftliche Genehmigung von HewlettPackard untersagt.
Hewlett-Packard Company 4995 Murphy Canyon Rd, Suite 301 San Diego, CA 92123
Druckgeschichte
1. Ausgabe
Mai 2003
Vorwort
, KU +3 %, , UHIOHNWLHUW GLH KHUYRUUDJHQGH 4XDOLWlW XQG GLH $XIPHUNVDPNHLW ELV ]XP 'HWDLO EHL GHU (QWZLFNOXQJ XQG )HUWLJXQJ GXUFK GLH VLFK +HZOHWW3DFNDUG3URGXNWH VHLW -DKUHQ DXI GHP 0DUNW DXV]HLFKQHQ +HZOHWW3DFNDUG VWHKW KLQWHU GLHVHP 7DVFKHQUHFKQHU 6LH HUKDOWHQ 8QWHUVWW]XQJ EHL GHU $QZHQGXQJ GHV 5HFKQHUV VLHKH , QQHQVHLWH GHV 5FNXPVFKODJV XQG ZHOWZHLWHQ 5HSDUDWXUVHUYLFH
Qualitt von Hewlett-Packard
+37DVFKHQUHFKQHU ]HLFKQHQ VLFK GXUFK HLQIDFKH +DQGKDEXQJ 'DXHUKDIWLJNHLW XQG =XYHUOlVVLJNHLW DXV n 'HU 5HFKQHU ZXUGH VR NRQ]LSLHUW GDVV HU GHQ %HDQVSUXFKXQJHQ GHV WlJOLFKHQ (LQVDW]HV KLQVLFKWOLFK 0HFKDQLN +HUXQWHUIDOOHQ (UVFKWWHUXQJHQ 9HUVFKPXW]XQJ 6PRJ 2]RQ VRZLH 7HPSHUDWXU XQG )HXFKWLJNHLWVVFKZDQNXQJHQ ZLGHUVWHKW n 'HU 5HFKQHU XQG GDV ]XJHK|ULJH +DQGEXFK ZXUGHQ DXI HLQIDFKH +DQGKDEXQJ DXVJHOHJW XQG JHWHVWHW (V ZXUGHQ YLHOH %HLVSLHOH DXIJHQRPPHQ XP GLH YLHOVHLWLJHQ $QZHQGXQJVP|JOLFKNHLWHQ GHV 5HFKQHUV DXI]X]HLJHQ +RFKZHUWLJHV 0DWHULDO XQG SHUPDQHQW HLQJHSUlJWH 7DVWHQEH]HLFKQXQJHQ VRUJHQ IU HLQH ODQJH /HEHQVGDXHU XQG HLQH JXWH %HGLHQEDUNHLW GHV 7DVWHQIHOGV n 'LH 6FKDOWNUHLVWHFKQRORJLH LVW IU HLQHQ QLHGULJHQ 6WURPYHUEUDXFK DXVJHOHJW GLH OHLVWXQJVIlKLJHQ (QHUJLHVSDUIXQNWLRQHQ VRUJHQ IU HLQH OlQJHUH %HWULHEVGDXHU GHU %DWWHULHQ n 'HU 0LNURSUR]HVVRU ZXUGH IU VFKQHOOH XQG ]XYHUOlVVLJH %HUHFKQXQJHQ RSWLPLHUW (U UHFKQHW LQWHUQ PLW 6WHOOHQ XP H[DNWH (UJHEQLVVH ]X HU]LHOHQ n 8PIDQJUHLFKH )RUVFKXQJHQ IKUWHQ ]X HLQHP 'HVLJQ ZHOFKHV SUDNWLVFK GLH (LQIOVVH VWDWLVFKHU (OHNWUL]LWlW HOLPLQLHUW HLQ SRWHQ]LHOOHV 5LVLNR IU 6W|UXQJHQ XQG 'DWHQYHUOXVW LQ 5HFKQHUQ
Vorwort 3
Leistungsmerkmale des Rechners
'LH )lKLJNHLWHQ GHV +3 %, , XQG GLH *HVWDOWXQJ GHV +DQGEXFKV EHUXKHQ DXI GHQ %HGUIQLVVHQ XQG :QVFKHQ YLHOHU . XQGHQ n *URH VWHOOLJH $Q]HLJH n (LQH hEHUVLFKW DOV VFKQHOOH 5HIHUHQ] ]XP 1DFKVFKODJHQ n $SSOLNDWLRQHQ IU NDXIPlQQLVFKH XQG ILQDQ]PDWKHPDWLVFKH $XIJDEHQVWHOOXQJHQ $QQXLWlWHQUHFKQXQJ 7LPH 9DOXH RI 0RQH\ )U 'DUOHKHQ 6SDUSOlQH /HDVLQJ XQG 7LOJXQJVSODQ%HUHFKQXQJHQ =LQVVDW]NRQYHUWLHUXQJHQ =XU 8PUHFKQXQJ ]ZLVFKHQ QRPLQDOHQ XQG HIIHNWLYHQ =LQVVlW]HQ &DVKIORZV =XU %HUHFKQXQJ GHV 1HWWREDUZHUWV XQG GHV LQWHUQHQ =LQVIXHV . DXIPlQQLVFKH 3UR]HQWUHFKQXQJ 3UR]HQWXDOH bQGHUXQJ SUR]HQWXDOHU $QWHLO XQG +DQGHOVVSDQQH0DUJH 6WDWLVWLN 0LWWHOZHUW 6WDQGDUGDEZHLFKXQJ . RUUHODWLRQVNRHIIL]LHQW 9RUKHUVDJHEHUHFKQXQJHQ EHU OLQHDUH 5HJUHVVLRQ XQG ZHLWHUH VWDWLVWLVFKH %HUHFKQXQJHQ n 6SHLFKHUSODW] IU HLQHQ $QIDQJV&DVKIORZ XQG &DVKIORZ *UXSSHQ PLW ELV ]X &DVKIORZV MH *UXSSH n QXPPHULHUWH 6SHLFKHUUHJLVWHU n (LQIDFKHU =XJULII DXI )XQNWLRQHQ HUOHLFKWHUW GLH +DQGKDEXQJ $XWRPDWLVFKH 3HULRGHQHUK|KXQJ EHL 7LOJXQJVSODQ %HUHFKQXQJHQ %HQHQQXQJHQ EHL 7LOJXQJVSODQ XQG &DVKIORZ%HUHFKQXQJHQ $XWRPDWLVFKH . RQVWDQWH 6SHLFKHUYHUZDOWXQJ EHU 7DVWHQ n 'DV +DQGEXFK HQWKlOW YLHOH %HLVSLHOH GLH 6LH NRPELQLHUHQ XQG DQ , KUH VSH]LHOOHQ $QZHQGXQJVIlOOH DQSDVVHQ N|QQHQ
4
Vorwort
Inhaltsverzeichnis
11 11 12 13 14 15 16 17 18 19 21 bersicht
*UXQGODJHQ hEHUVLFKW 3UR]HQWUHFKQXQJ hEHUVLFKW 6SHLFKHUWDVWHQ hEHUVLFKW $QQXLWlWHQUHFKQXQJ 790 hEHUVLFKW $QQXLWlWHQ :DV ZlUH ZHQQ hEHUVLFKW 7LOJXQJVSODQ hEHUVLFKW =LQVVDW]NRQYHUWLHUXQJ hEHUVLFKW &DVKIORZ%HUHFKQXQJHQ hEHUVLFKW 6WDWLVWLN hEHUVLFKW 7DVWHQIROJH
1
23 23 23 23 25 25 25 25 26 28 28 28 29 29 30 30 31 32 32 32 33
Bedienungsgrundlagen
(LQ XQG $XVVFKDOWHQ GHV 5HFKQHUV (LQVWHOOHQ GHV $Q]HLJHNRQWUDVWV (LQIDFKH DULWKPHWLVFKH %HUHFKQXQJHQ )XQNWLRQVZHLVH YRQ $Q]HLJH XQG 7DVWHQIHOG &XUVRU /|VFKHQ YRQ $Q]HLJHZHUWHQ /|VFKHQ GHV 6SHLFKHUEHUHLFKV , QGLNDWRUHQ 8PVFKDOWWDVWH 6WDWLVWLNWDVWH , 13877DVWH 6:$37DVWH 0DWKHPDWLNIXQNWLRQHQ $Q]HLJHIRUPDW YRQ =DKOHQ 6SH]LIL]LHUHQ GHU DQJH]HLJWHQ 'H]LPDOVWHOOHQ :LVVHQVFKDIWOLFKH 1RWDWLRQ $Q]HLJHQ DOOHU 'H]LPDOVWHOOHQ 7DXVFKHQ YRQ 3XQNW XQG . RPPD 5XQGHQ YRQ =DKOHQ 0HOGXQJHQ
Inhaltsverzeichnis 5
2
35 35 35 36 36 37 38 38 38 39 39 39 41 42 43 44 45 45 47 47 48 49 49 49 50 51 51 51 53
Kaufmnnische Prozentrechnung
3UR]HQWWDVWH %HUHFKQHQ HLQHV 3UR]HQWZHUWHV $GGLHUHQ XQG 6XEWUDKLHUHQ HLQHV 3UR]HQWZHUWV 3UR]HQWXDOH bQGHUXQJ 0DUJH XQG . RVWHQDXIVFKODJ %HUHFKQXQJ GHU 0DUJH %HUHFKQXQJ GHV . RVWHQDXIVFKODJV *HPHLQVDPH $QZHQGXQJ YRQ 0DUJH XQG . RVWHQDXIVFKODJ
3
Arithmetik und Speicherregister
9HUZHQGHQ JHVSHLFKHUWHU =DKOHQ IU %HUHFKQXQJHQ 9HUZHQGHQ YRQ . RQVWDQWHQ 9HUZHQGHQ GHV 05HJLVWHUV 9HUZHQGHQ QXPPHULHUWHU 5HJLVWHU $ULWKPHWLN LQQHUKDOE YRQ 6SHLFKHUUHJLVWHUQ 0DWKHPDWLVFKH %HUHFKQXQJHQ 3RWHQ]IXQNWLRQ 9HUZHQGHQ YRQ . ODPPHUQ LQ %HUHFKQXQJHQ
4
Veranschaulichung finanzmathematischer Probleme
$QJHKHQ HLQHU ILQDQ]PDWKHPDWLVFKHQ $XIJDEH 9RU]HLFKHQ YRQ &DVKIORZV =HLWLQWHUYDOOH XQG &DVKIORZV (LQIDFKHU =LQV XQG =LQVHV]LQV (LQIDFKH =LQVEHUHFKQXQJ =LQVHV]LQVEHUHFKQXQJ =LQVVlW]H =ZHL $UWHQ ILQDQ]PDWKHPDWLVFKHU 3UREOHPH (UNHQQHQ HLQHU 790$XIJDEHQVWHOOXQJ (UNHQQHQ HLQHU &DVKIORZ$XIJDEHQVWHOOXQJ
6
Inhaltsverzeichnis
5
55 55 57 57 57 64 67 72 77 78 79 81 81 83 83 84 86 86 90 91 93 93 94 94 94 95 95 95 96 97 99 102
Annuittenrechnung (TVM)
$QZHQGXQJVZHLVH GHU 790$SSOLNDWLRQ /|VFKHQ GHU 790:HUWH %HJLQQ XQG (QG0RGXV 'DUOHKHQVEHUHFKQXQJHQ 6SDUNRQWR%HUHFKQXQJHQ /HDVLQJ%HUHFKQXQJHQ 7LOJXQJVSODQ%HUHFKQXQJHQ . RQYHUWLHUXQJ YRQ =LQVVlW]HQ , QYHVWLWLRQHQ PLW XQWHUVFKLHGOLFKHQ 9HU]LQVXQJVSHULRGHQ =LQV XQG =DKOXQJVSHULRGH VLQG XQWHUVFKLHGOLFK
6
Cashflow-Berechnungen
$QZHQGXQJ GHU &DVKIORZ$SSOLNDWLRQ 139 XQG , 55<5 &DVKIORZ 2UGQHQ YRQ &DVKIORZV (LQJHEHQ YRQ &DVKIORZV $QVHKHQ XQG bQGHUQ YRQ &DVKIORZV %HUHFKQHQ GHV 1HWWREDUZHUWV %HUHFKQHQ GHV LQWHUQHQ =LQVIXHV $XWRPDWLVFKHV 6SHLFKHUQ YRQ , 55<5 XQG 139
7
Statistische Berechnungen
/|VFKHQ YRQ 6WDWLVWLNGDWHQ (LQJHEHQ YRQ 6WDWLVWLNGDWHQ 6WDWLVWLNHQ PLW HLQHU 9DULDEOHQ 6WDWLVWLNHQ PLW ]ZHL 9DULDEOHQ XQG JHZRJHQHV 0LWWHO . RUULJLHUHQ YRQ 6WDWLVWLNGDWHQ . RUULJLHUHQ YRQ 'DWHQ IU HLQH 6WDWLVWLNYDULDEOH . RUULJLHUHQ YRQ 'DWHQ IU ]ZHL 6WDWLVWLNYDULDEOHQ =XVDPPHQIDVVXQJ YRQ 6WDWLVWLNIXQNWLRQHQ 0LWWHOZHUW 6WDQGDUGDEZHLFKXQJ XQG 6XPPDWLRQVVWDWLVWLN /LQHDUH 5HJUHVVLRQ XQG 1lKHUXQJ *HZRJHQHV 0LWWHO
Inhaltsverzeichnis
7
8
103 103 103 104 105 106 106 106 108 109 112 113 115 116 118 118 121 122 123 123 126 129 129 131 131 131 131 132 133 134 134 135 135 136 136 136 137 137 137 138 139
Zustzliche Beispiele
. DXIPlQQLVFKH $SSOLNDWLRQHQ %HVWLPPHQ GHV 9HUNDXIVSUHLVHV 9HUJDQJHQKHLWVJHVWW]WH 9RUKHUVDJHEHUHFKQXQJ . RVWHQ EHL 9HU]LFKW DXI 6NRQWRDE]XJ 'DUOHKHQ XQG +\SRWKHNHQ (LQIDFKHU -DKUHV]LQV . RQWLQXLHUOLFKH 9HU]LQVXQJ 5HQGLWH HLQHV PLW $XI RGHU $EVFKODJ JHKDQGHOWHQ 3IDQGEULHIV (IIHNWLYHU -DKUHV]LQV IU 'DUOHKHQ PLW %HDUEHLWXQJVJHEKU 'DUOHKHQ PLW HLQHU JHEURFKHQHQ HUVWHQ 3HULRGH $XWRNUHGLW +\SRWKHN PLW XQWHUVFKLHGOLFKHU 9HU]LQVXQJV XQG 7LOJXQJVSHULRGH 790%HUHFKQXQJHQ GHV 7\SV :DV ZlUH ZHQQ %HUHFKQXQJ YRQ 6SDUSOlQHQ (LQ]DKOXQJHQ ]XU 'HFNXQJ VSlWHUHU . RVWHQ $XIJHVFKREHQH 9HUVWHXHUXQJ YRQ =LQVHUWUlJHQ =X YHUVWHXHUQGHV 6SDUNRQWR &DVKIORZ%HLVSLHOH 5HILQDQ]LHUXQJ HLQHU +\SRWKHN 1HWWREDUZHUW
A
Kundenuntersttzung, Batterien und Service
$QWZRUWHQ DXI DOOJHPHLQH )UDJHQ 8PJHEXQJVEHGLQJXQJHQ 6WURPYHUVRUJXQJ XQG %DWWHULHQ , QGLNDWRU IU 6FKZDFKH %DWWHULHQ 7HFKQLVFKH 'DWHQ GHU %DWWHULHQ (LQVHW]HQ GHU %DWWHULHQ )HVWVWHOOHQ GHU 5HSDUDWXUEHGUIWLJNHLW (LQMlKULJH *HZlKUOHLVWXQJVIULVW *HZlKUOHLVWXQJVXPIDQJ *HZlKUOHLVWXQJVDXVVFKOXVV . XQGHQWUDQVDNWLRQHQ LQ *UREULWDQQLHQ , P 5HSDUDWXUIDOO 6HUYLFH$GUHVVHQ *HEKUHQ 9HUVDQGDQZHLVXQJHQ *HZlKUOHLVWXQJ EHL 5HSDUDWXUHQ 6HUYLFHYHUHLQEDUXQJHQ 6LFKHUKHLWVEHVWLPPXQJHQ (QGEHQXW]HU*DUDQWLHEHGLQJXQJHQ
8
Inhaltsverzeichnis
B
143 143 144 144 145 146 146 147 147 147 148 148 149 150
Weitere Hinweise zur Rechenweise des HP C3980A
, 55<5%HUHFKQXQJHQ 0|JOLFKH (UJHEQLVVH EHL , 55<5%HUHFKQXQJHQ $QKDOWHQ XQG )RUWVHW]HQ GHU , 55<5%HUHFKQXQJ 6SHLFKHUQ HLQHV 6FKlW]ZHUWHV IU , 55<5 $XVZLUNXQJ YRQ EHL GHU . RUUHNWXU YRQ 6WDWLVWLNGDWHQ :HUWHEHUHLFK IU =DKOHQ *OHLFKXQJHQ 0DUJH XQG . RVWHQDXIVFKODJ $QQXLWlWHQUHFKQXQJ 790 7LOJXQJVSODQ%HUHFKQXQJHQ . RQYHUWLHUXQJ YRQ =LQVVlW]HQ &DVKIORZ%HUHFKQXQJHQ 6WDWLVWLN
C
151 Meldungen 153 Stichwortverzeichnis
Inhaltsverzeichnis
9
bersicht
'LHVHV . DSLWHO LVW IU $QZHQGHU JHGDFKW GLH EHUHLWV (UIDKUXQJ LP 8PJDQJ PLW 7DVFKHQUHFKQHUQ XQGRGHU ILQDQ]PDWKHPDWLVFKHQ . RQ]HSWHQ KDEHQ 6LH N|QQHQ GDV . DSLWHO DXFK DOV . XU]DQOHLWXQJ EHQXW]HQ 'HU UHVWOLFKH 7HLO GHV +DQGEXFKV HQWKlOW GHWDLOOLHUWH (UNOlUXQJHQ XQG $QZHQGXQJVEHLVSLHOH GHU LQ GLHVHP . DSLWHO GDUJHVWHOOWHQ . RQ]HSWH
Grundlagen bersicht
I B B !7 Bj B8 B
k
Anzeige
0, 00 0, 00
Beschreibung
[orangefarben]
0, 00
12_ 0, 00 0, 00 0, 00
6FKDOWHW 5HFKQHU HLQ =HLJW DNWLYLHUWH 8PVFKDOWIXQNWLRQ DQ SHIFT +HEW 8PVFKDOWIXQNWLRQ ZLHGHU DXI /|VFKW OHW]WHV =HLFKHQ /|VFKW $Q]HLJHLQKDOW /|VFKW 6WDWLVWLNUHJLVWHU /|VFKW JHVDPWHQ 6SHLFKHULQKDOW 6FKDOWHW 5HFKQHU DXV
bersicht 11
Prozentrechnung -- bersicht
h U )
3UR]HQW . RVWHQ 3UHLV 0DUJH+DQGHOVVSDQQH . RVWHQDXIVFKODJ ]X
Anzeige
17, 50 20, 13
$GGLHUHQ 6LH
%# #h1
Tastenfolge
Beschreibung
(LQJDEH GHU =DKOHQZHUWH $GGLHUW
%HUHFKQHQ 6LH GLH 0DUJH ZHQQ GLH . RVWHQ EHL OLHJHQ XQG GHU 9HUNDXIVSUHLV EHWUlJW
#U U !!)
15, 00 22, 00 31, 82
(LQJDEH GHU . RVWHQ (LQJDEH GHV 3UHLVHV %HUHFKQHW GLH 0DUJH EHWUlJW ZLH
:HQQ GLH . RVWHQ EHL OLHJHQ XQG GHU $XIVFKODJ KRFK LVW GDQQ GHU 9HUNDXIVSUHLV"
20, 00 33, 00 26, 60
(LQJDEH GHU . RVWHQ (LQJDEH GHV . RVWHQDXIVFKODJV %HUHFKQHW GHQ 3UHLV
12
bersicht
Speichertasten -- bersicht
E B3 ( %4%E 11 #1
Tastenfolge
6SHLFKHUW HLQH NRQVWDQWH 2SHUDWLRQ 6SHLFKHUW HLQHQ :HUW LP 05HJLVWHU 0HPRU\ 5XIW HLQHQ :HUW DXV GHP 05HJLVWHU ]XUFN $GGLHUW HLQHQ :HUW ]X GHU LP 05HJLVWHU JHVSHLFKHUWHQ =DKO 6SHLFKHUW HLQHQ :HUW LQ HLQHP QXPPHULHUWHQ 5HJLVWHU 5XIW HLQHQ :HUW DXV HLQHP QXPPHULHUWHQ 5HJLVWHU ]XUFN
0XOWLSOL]LHUHQ 6LH XQG PLW ZREHL DOV NRQVWDQWH 2SHUDWLRQ ]X VSHLFKHUQ LVW
Anzeige
7, 00 119, 00 154, 00 175, 00
Beschreibung
6SHLFKHUW DOV NRQVWDQWH 2SHUDWLRQ 0XOWLSOL]LHUW 0XOWLSOL]LHUW 0XOWLSOL]LHUW
6SHLFKHUQ 6LH LQ 5HJLVWHU XQG UXIHQ 6LH GHQ , QKDOW ]XUFN
519, 00 0, 00 519, 00
#'B3 7 (
6SHLFKHUW :HUW LQ 5HJLVWHU /|VFKW $Q]HLJHLQKDOW 5XIW 5HJLVWHU ]XUFN
bersicht
13
Annuittenrechnung (TVM) -- bersicht
*HEHQ 6LH YLHU GHU IQI 9DULDEOHQZHUWH HLQ XQG HUUHFKQHQ 6LH GHQ IQIWHQ :HUW (LQ DEIOLHHQGHU *HOGEHWUDJ ZLUG PLW HLQHP QHJDWLYHQ 9RU]HLFKHQ DQJH]HLJW HLQ ]XIOLHHQGHU %HWUDJ ZLUG SRVLWLY DQJH]HLJW $Q]DKO GHU =DKOXQJHQ -DKUHV]LQVVDW] , QWHUHVW<HD5 %DUZHUW 3UHVHQW 9DOXH =DKOXQJ5DWH 3D\0HQ7 (QGZHUW )XWXUH 9DOXH %HJLQQ E]Z (QGH0RGXV $Q]DKO GHU =DKOXQJHQ SUR -DKU 3D\PHQWV SHU <HD5
F P G By B
:LH KRFK LVW GLH PRQDWOLFKH =DKOXQJ ZHQQ 6LH 39 EHU 0RQDWH 1 EHL -DKUHV]LQV , <5 ]XUFN]DKOHQ" :HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By
IDOOV BEGIN
B !$ F " G P
Tastenfolge
Anzeige
12, 00 360, 00 10, 00 14. 000, 00 0, 00 122, 86
Beschreibung
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW (LQJDEH GHU $Q]DKO DOOHU =DKOXQJHQ (LQJDEH -DKUHV]LQVVDW] (LQJDEH %DUZHUW (LQJDEH (QGZHUW %HUHFKQHW +|KH GHU PRQDWOLFKHQ =DKOXQJ EHL =DKOXQJ DP 0RQDWVHQGH
14
bersicht
Annuitten: Was wre, wenn. . . Zahlen voneinander trennen (Seite 28) 3. [. . . ] 'D GLH 7LOJXQJVUDWHQ ]XP 0RQDWVHQGH HUIROJHQ WUHWHQ OHW]WH
7LOJXQJVUDWH XQG 7LOJXQJ GHU 5HVWVFKXOG ]XU JOHLFKHQ =HLW DXI 'LH OHW]WH =DKOXQJ EHVWHKW DXV GHU 6XPPH YRQ 307 XQG )9
I/YR = 8, 8% N = 4 12 P/YR = 12 1 2 3 4
. . .
44 45 46 47 48 FV = ?
PMT = -1. 424, 06 End-Modus
62
5: Annuittenrechnung (TVM)
'HU :HUW LQ 307 VROOWH IU GLH %HUHFKQXQJ GHV (QGZHUWV )9 RGHU GHV %DUZHUWV 39 LPPHU DXI 'H]LPDOVWHOOHQ JHUXQGHW ZHUGHQ XP NOHLQH VLFK VXPPLHUHQGH 'LIIHUHQ]HQ ]ZLVFKHQ XQJHUXQGHWHQ :HUWHQ XQG WDWVlFKOLFKHQ %HWUlJHQ 'ROODUV XQG &HQWV ]X YHUPHLGHQ 'UFNHQ 6LH IDOOV IU GDV $Q]HLJHIRUPDW QLFKW EHUHLWV ]ZHL 'H]LPDOVWHOOHQ GHILQLHUW VLQG
B0
BvP
Tastenfolge
Anzeige
1. 424, 06
Beschreibung
"& G (P1
48, 00
163. 388, 39
164. 812, 45
5XQGHW GHQ %HWUDJ DXI 1DFKNRPPDVWHOOHQ XQG VSHLFKHUW LKQ 6SHLFKHUW $Q]DKO 3HULRGHQ ZlKUHQG -DKUHQ [ %HUHFKQHW 5HVWVFKXOG QDFK -DKUHQ %HUHFKQHW 6FKOXVV]DKOXQJ 307 XQG )9 XP JHVDPWH +\SRWKHN ]X WLOJHQ DEIOLHHQGHU %HWUDJ LVW QHJDWLY
5: Annuittenrechnung (TVM)
63
Sparkonto-Berechnungen
Beispiel: Normales Sparkonto. 6LH ]DKOHQ DXI HLQ 6SDUNRQWR HLQ ZHOFKHV PLW MlKUOLFK YHU]LQVW ZLUG :LH ODQJH GDXHUW HV ELV GHU . RQWRVWDQG DXI DQJHZDFKVHQ LVW"
FV = 3. 000, 00 I/YR = 7, 2% N=?P/YR = 1 1 2 3
. . .
N=?
PMT = 0 PV = -2. 000, 00
'D KLHU NHLQH UHJHOPlLJHQ (LQ]DKOXQJHQ YRUNRPPHQ 307 =DKOXQJVZHLVH %HJLQQ RGHU (QG0RGXV LUUHOHYDQW LVW GLH
B8 B @ !G % F
Tastenfolge
1
64
Anzeige
0, 00 1, 00 2. 000, 00 3. 000, 00 7, 20 5, 83
Beschreibung
/|VFKW DOOH 5HJLVWHU 6SHLFKHUW IU 3<5 GD MlKUOLFKH 9HU]LQVXQJ HUIROJW 6SHLFKHUW (LQ]DKOXQJ DXI 6SDUNRQWR 6SHLFKHUW GHQ DQJHVWUHEWHQ . RQWRHQGVWDQG 6SHLFKHUW -DKUHV]LQVVDW] %HUHFKQHW $Q]DKO GHU 9HU]LQVXQJVSHULRGHQ 6SDUMDKUH XP DQ]XVSDUHQ
5: Annuittenrechnung (TVM)
'D VLFK IU 1 HLQ :HUW ]ZLVFKHQ XQG HUJLEW LVW HLQH MlKULJH 6SDU]HLW HUIRUGHUOLFK XP HLQHQ . RQWRVWDQG YRQ PLQGHVWHQV ]X HUUHLFKHQ %HUHFKQHQ 6LH GHQ JHQDXHQ . RQWRVWDQG QDFK $EODXI YRQ -DKUHQ
$ G
6, 00 3. 035, 28
6SHLFKHUW -DKUH IU
%HUHFKQHW GHQ JHQDXHQ . RQWRVWDQG QDFK $EODXI YRQ -DKUHQ
Beispiel: Individueller Ratensparvertrag. 6LH KDEHQ DP $SULO HLQHQ 5DWHQVSDUYHUWUDJ PLW JOHLFK]HLWLJHU (LQ]DKOXQJ YRQ DEJHVFKORVVHQ (V VLQG KDOEPRQDWOLFKH (LQ]DKOXQJHQ LQ +|KH YRQ ]X OHLVWHQ 'DV 6SDUJXWKDEHQ ZLUG PLW -DKUHV]LQV EHL KDOEPRQDWOLFKHQ =LQVSHULRGHQ YHU]LQVW :HOFKHU . RQWRVWDQG ZLUG QDFK $EODXI GHU 9HUWUDJVGDXHU DP $SULO HUUHLFKW"
FV= ?
(Halbmonatliche Perioden) 1234
I/YR = 6, 3% N = 360 (15 Jahre 24 Perioden/Jahr) P/YR = 24
. . .
360
PMT = -80, 00 PV = -2. 000, 00
:HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By
IDOOV BEGIN
5: Annuittenrechnung (TVM)
65
"B @ &@P $!F #B G
Tastenfolge
Anzeige
24, 00
Beschreibung
2. 000, 00
80, 00
6, 30 360, 00
52. 975, 60
/HJW $Q]DKO GHU 3HULRGHQ SUR -DKU IHVW 6SHLFKHUW XUVSUQJOLFKH (LQ]DKOXQJ 6SHLFKHUW KDOEPRQDWOLFKH 6SDUUDWH 6SHLFKHUW -DKUHV]LQVVDW] 6SHLFKHUW $Q]DKO GHU (LQ]DKOXQJHQ ZlKUHQG /DXI]HLW %HUHFKQHW . RQWRHQGVWDQG
Beispiel: Rentenfonds 1DFK HLQHU HUIROJUHLFKHQ . DUULHUH HQWVFKOLHHQ 6LH VLFK LQ GHQ YRU]HLWLJHQ 5XKHVWDQG ]X WUHWHQ 6LH YHUIJHQ EHU (UVSDUQLVVH YRQ GLH PLW HLQHP PRQDWOLFK EHUHFKQHWHQ -DKUHV]LQV YRQ YHU]LQVW VLQG :HOFKH UHJHOPlLJHQ $XV]DKOXQJHQ JOHLFKHU +|KH HUKDOWHQ 6LH ]X MHGHP 0RQDWVHUVWHQ ZHQQ GLH $XV]DKOXQJHQ EHU HLQHQ =HLWUDXP YRQ -DKUHQ HUIROJHQ VROOHQ"
PMT = ?1 2
. . .
I/YR = 7% N = 600 (50 12) P/YR = 12
599
600 FV = 0
PV = -400. 000, 00 Beginn-Modus
66
5: Annuittenrechnung (TVM)
:HFKVHOQ 6LH LQ GHQ %HJLQQ0RGXV 'UFNHQ 6LH , QGLNDWRU QLFKW DQJH]HLJW ZLUG
By
IDOOV GHU
B "@ %F #B G P
Tastenfolge
Anzeige
12, 00
Beschreibung
400. 000, 00
7, 00 600, 00 0, 00 2. 392, 80
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW , KU 9HUP|JHQ DOV DEIOLHHQGHQ %HWUDJ 6SHLFKHUW HUZDUWHWHQ -DKUHV]LQVVDW] 6SHLFKHUW $Q]DKO GHU $EEXFKXQJHQ 6SHLFKHUW (QGVDOGR QDFK -DKUHQ %HUHFKQHW GHQ ]X MHGHP 0RQDWVHUVWHQ DXV]DKOEDUHQ %HWUDJ
Leasing-Berechnungen
/HDVLQJ VWHOOW PLW HLQIDFKHQ :RUWHQ DXVJHGUFNW GDV $XVOHLKHQ YRQ (LJHQWXP , PPRELOLHQ $XWRV 0DVFKLQHQ XVZ IU HLQHQ VSH]LIL]LHUWHQ =HLWUDXP JHJHQ UHJHOPlLJ ZLHGHUNHKUHQGH =DKOXQJHQ GDU (LQLJH /HDVLQJYHUWUlJH VLQG DXFK DOV . DXIYHUWUlJH DXVJHOHJW ZREHL GHP /HDVLQJQHKPHU GLH 2SWLRQ HLQJHUlXPW ZLUG GDV 2EMHNW DP (QGH GHV /HDVLQJ]HLWUDXPV JHJHQ HLQHQ EHVWLPPWHQ 5HVWEHWUDJ ]X NDXIHQ %HLP 5HVWEHWUDJ KDQGHOW HV VLFK PDQFKPDO OHGLJOLFK XP HLQHQ V\PEROLVFKHQ %HWUDJ YRQ 'HU YHUWUDJOLFK IHVWJHOHJWH 5HVWEHWUDJ E]Z (QGZHUW )9 GHV 2EMHNWV ZLUG DXFK RIW DOV 5HVWZHUW RGHU $XINDXIZHUW EH]HLFKQHW )U /HDVLQJ%HUHFKQXQJHQ VLQG DOOH IQI 9DULDEOHQ GHU 790$SSOLNDWLRQ YRQ , QWHUHVVH 'LH ]ZHL KlXILJVWHQ /HDVLQJ%HUHFKQXQJHQ EHVFKlIWLJHQ VLFK PLW IROJHQGHQ $XIJDEHQVWHOOXQJHQ n (UPLWWOXQJ GHV ]X ]DKOHQGHQ /HDVLQJ%HWUDJV XP HLQH VSH]LIL]LHUWH 5HQGLWH ]X HUUHLFKHQ n (UPLWWOXQJ GHV %DUZHUWV NDSLWDOLVLHUWHU :HUW HLQHV /HDVLQJ 9HUWUDJV
5: Annuittenrechnung (TVM) 67
1RUPDOHUZHLVH ZLUG IU /HDVLQJ%HUHFKQXQJHQ GHU %HJLQQ0RGXV YHUZHQGHW GD PHLVWHQV GLH /HDVLQJUDWH ]X %HJLQQ MHGHU 3HULRGH DXIWULWW
Beispiel: Berechnung der Leasingrate. 'LH /HDVLQJILUPD (QJHO
&R P|FKWH HLQ $XWR 1HXSUHLV IU -DKUH DQ HLQHQ . XQGHQ OHDVHQ , KP ZLUG GLH 2SWLRQ HLQJHUlXPW GDV $XWR DP (QGH GHV /HDVLQJ]HLWUDXPV IU ]X NDXIHQ 'LH HUVWH /HDVLQJUDWH ZLUG VRIRUW EHL 9HUWUDJVDEVFKOXVV IlOOLJ :HOFKH PRQDWOLFKH /HDVLQJUDWH VROO DQJHVHW]W ZHUGHQ GDPLW (QJHO &R HLQH MlKUOLFKH 5HQGLWH YRQ EHL PRQDWOLFKHU 9HU]LQVXQJ HUUHLFKW" %HUHFKQHQ 6LH GLH =DKOXQJHQ DXV 6LFKW YRQ (QJHOV &R
FV = 7. 500, 00 PMT = ?1 2
Zuflieender Betrag (Leasinggeber) ist positiv.
I/YR = 10% N = 36 P/YR = 12 PV = -13. 500, 00 Beginn-Modus
. . .
35
36
Abflieender Betrag (Leasinggeber) ist negativ.
68
5: Annuittenrechnung (TVM)
:HFKVHOQ 6LH LQ GHQ %HJLQQ0RGXV 'UFNHQ 6LH , QGLNDWRU QLFKW DQJH]HLJW ZLUG
By
IDOOV GHU
B F !#@ %#G !$ P
Tastenfolge
Anzeige
12, 00
Beschreibung
10, 00
13. 500, 00 7. 500, 00 36, 00 253, 99
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW JHZQVFKWH MlKUOLFKH 5HQGLWH 6SHLFKHUW . DXISUHLV 6SHLFKHUW 5HVWZHUW $XINDXIZHUW 6SHLFKHUW $Q]DKO GHU /HDVLQJPRQDWH %HUHFKQHW GLH PRQDWOLFKH /HDVLQJUDWH
%HDFKWHQ 6LH GDVV VHOEVW EHL 9HU]LFKW DXI $XVIKUXQJ GHU . DXIRSWLRQ GXUFK GHQ . XQGHQ GHU /HDVLQJJHEHU DP (QGH GHU /HDVLQJSHULRGH LPPHU QRFK HLQH =DKOXQJ EHUFNVLFKWLJW GLH GHP 5HVWZHUW GHV $XWRV HQWVSULFKW 8QDEKlQJLJ GDYRQ RE GHU . XQGH GDV $XWR NDXIW RGHU HV DP IUHLHQ 0DUNW YHUNDXIW ZLUG HUZDUWHW GHU /HDVLQJJHEHU HLQH (LQQDKPH YRQ ZHQLJVWHQV
Beispiel: Leasing mit Vorauszahlungen. , KUH )LUPD OHDVW HLQHQ
*DEHOVWDSOHU IU -DKUH 'LH 9HUWUDJVGDXHU EHWUlJW -DKUH XQG GLH PRQDWOLFKH /HDVLQJUDWH 'LH =DKOXQJHQ VLQG DP 0RQDWVDQIDQJ IlOOLJ GLH HUVWH XQG OHW]WH =DKOXQJ HUIROJW EHL 9HUWUDJVDEVFKOXVV E]Z 9HUWUDJVHQGH 6LH KDEHQ HLQH 2SWLRQ ]XP . DXI GHU 0DVFKLQH IU DP (QGH GHV /HDVLQJ]HLWUDXPV :LH KRFK LVW GHU NDSLWDOLVLHUWH %DUZHUW ZHQQ HLQ -DKUHV]LQVVDW] YRQ ]XU )LQDQ]LHUXQJ GHV /HDVLQJJHVFKlIWV XQWHUVWHOOW ZLUG"
5: Annuittenrechnung (TVM)
69
Beginn-Modus PV = ?I/YR = 9% N = 48 P/YR = 12 1 2 3 4
. . .
44 45 46 47 48
PMT = -2. 400, 00 (48. Leasingrate ist im voraus fllig. ) FV = -15. 000, 00
'LH $XIJDEH OlVVW VLFK LQ YLHU 6FKULWWHQ O|VHQ %HUHFKQXQJ GHV %DUZHUWV GHU PRQDWOLFKHQ =DKOXQJHQ $GGLWLRQ GHU ]XVlW]OLFKHQ 9RUDXV]DKOXQJ (UPLWWOXQJ GHV %DUZHUWV GHU . DXIRSWLRQ $GGLWLRQ GHU (UJHEQLVVH DXV GHQ 6FKULWWHQ XQG
Schritt 1 %HUHFKQXQJ GHV %DUZHUWV GHU PRQDWOLFKHQ =DKOXQJHQ
:HFKVHOQ 6LH LQ GHQ %HJLQQ0RGXV 'UFNHQ 6LH , QGLNDWRU QLFKW DQJH]HLJW ZLUG
By
IDOOV GHU
B "% "@P G 'F
Tastenfolge
70
Anzeige
12, 00 47, 00 2. 400, 00 0, 00 9, 00 95. 477, 55
Beschreibung
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW $Q]DKO GHU =DKOXQJHQ 6SHLFKHUW PRQDWOLFKH =DKOXQJ 6SHLFKHUW )9 IU 6FKULWW 6SHLFKHUW -DKUHV]LQVVDW] %HUHFKQXQJ GHV %DUZHUWV GHU PRQDWOLFKHQ =DKOXQJHQ
5: Annuittenrechnung (TVM)
Schritt 2. $GGLWLRQ GHU 9RUDXV]DKOXQJ ]XP EHUHFKQHWHQ %DUZHUW
6SHLFKHUXQJ GHU 6XPPH
(P@1
97. 877, 55 97. 877, 55
$GGLHUW 9RUDXV]DKOXQJ 6SHLFKHUW (UJHEQLV LP 05HJLVWHU
Schritt 3. 6LH HUKDOWHQ HLQH 5HFKQXQJ PLW GHP 9HUPHUN 6NRQWR LQQHUKDOE 7DJH 7DJH QHWWR :LH KRFK ZlUHQ GLH . RVWHQ EHL HLQHP 9HU]LFKW DXI GHQ 6NRQWRDE]XJ"
4!$4d BB B
Tastenfolge
Anzeige
72. 000, 00 98, 00
Beschreibung
4B!1
36, 73
%HUHFKQHW =lKOHU GHU *OHLFKXQJ . ODPPHUQ GLHQHQ ]XU bQGHUXQJ GHU QRUPDOHQ %HUHFKQXQJVIROJH %HUHFKQHW GLH . RVWHQ DOV -DKUHV]LQVVDW] IDOOV DXI 6NRQWR YHU]LFKWHW ZLUG
8: Zustzliche Beispiele 105
Darlehen und Hypotheken
Einfacher Jahreszins
Beispiel. (LQ )UHXQG ELWWHW 6LH XP HLQ 'DUOHKHQ L+Y IU 7DJH 6LH OHLKHQ LKP GHQ %HWUDJ ZREHL HLQ -DKUHV]LQVVDW] YRQ XQWHU *UXQGODJH YRQ 7DJHQ YHUHLQEDUW ZXUGH :LH YLHO IlOOW DQ XQG ZLH JUR LVW GHU JHVDPWH 5FN]DKOXQJVEHWUDJ QDFK 7DJHQ"
'LH *OHLFKXQJ ]XU HLQIDFKHQ 9HU]LQVXQJ XQWHU %HUFNVLFKWLJXQJ YRQ 7DJHQ SUR -DKU ODXWHW =, 16(1 Kreditbetrag Zinssatz Laufzeit ---------------------------------------------------------------------------------------------
"#4 4$d!$#1 1
Tastenfolge
Anzeige
0, 10 7, 40 457, 40
Beschreibung
6SHLFKHUW =LQVVDW] %HUHFKQHW =LQVEHWUDJ %HUHFKQHW *HVDPWEHWUDJ
Kontinuierliche Verzinsung
'LH *OHLFKXQJ ]XU %HUHFKQXQJ GHV (IIHNWLY]LQVVDW]HV EHL NRQWLQXLHUOLFKHU 9HU]LQVXQJ ODXWHW ()) = (H
(
120 )
)
8P HLQH 3UREOHPVWHOOXQJ PLW NRQWLQXLHUOLFKHU 9HU]LQVXQJ ]X O|VHQ %HUHFKQHQ 6LH GHQ HIIHNWLYHQ -DKUHV]LQVVDW] XQWHU 9HUZHQGXQJ GHU YRUDQJHKHQGHQ *OHLFKXQJ 9HUZHQGHQ 6LH HQWZHGHU GLHVHQ =LQVVDW] ]XVDPPHQ PLW HLQHU 3HULRGH YRQ HLQHP -DKU 3<5 RGHU NRQYHUWLHUHQ 6LH GLHVHQ =LQVVDW] VR GDVV HU VLFK DXI GLH MHZHLOLJH =DKOXQJVSHULRGH DQZHQGHQ OlVVW , P QDFKVWHKHQGHQ %HLVSLHO LVW 3<5 ZRGXUFK 6LH HLQ QHXHV 120 EHU GLH =LQVVDW]NRQYHUWLHUXQJV$SSOLNDWLRQ EHUHFKQHQ PVVHQ VHW]HQ 6LH 3<5 DXI
106 8: Zustzliche Beispiele
Beispiel. 6LH KDEHQ PRPHQWDQ DXI HLQHP . RQWR YRQ 'UHDP :RUOG , QYHVWPHQWV DQJHOHJW 'HU %HWUDJ ZLUG PLW HLQHP -DKUHV]LQVVDW] YRQ NRQWLQXLHUOLFK YHU]LQVW $Q MHGHP 0RQDWVHQGH ZHUGHQ DXI GDV . RQWR HLQJH]DKOW :LH KRFK LVW GHU . RQWRVWDQG QDFK -DKUHQ"
&
Tastenfolge
Anzeige
0, 18
Beschreibung
B2 41 B B B #B #@P "#% &@ G
1, 20 19, 72 19, 72 12, 00
18, 14
:HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
180, 00 250, 00 4. 572, 80
By IDOOV
'LYLGLHUW GHQ 1RPLQDO]LQV GXUFK 3RWHQ]LHUW H PLW %HUHFKQHW GHQ HIIHNWLYHQ -DKUHV]LQV 6SHLFKHUW HIIHNWLYHQ -DKUHV]LQVVDW] /HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW %HUHFKQHW QRPLQDOHQ -DKUHV]LQV IU PRQDWOLFKH =DKOXQJVSHULRGH
BEGIN
297. 640, 27
6SHLFKHUW $Q]DKO GHU 0RQDWH 6SHLFKHUW UHJHOPlLJH (LQ]DKOXQJ 6SHLFKHUW DNWXHOOHQ . RQWRVWDQG DOV QHJDWLYHQ %HWUDJ $QIDQJVLQYHVWLWLRQ %HUHFKQHW . RQWRVWDQG QDFK -DKUHQ EHL NRQWLQXLHUOLFKHU 9HU]LQVXQJ
8: Zustzliche Beispiele 107
Rendite eines mit Auf- oder Abschlag gehandelten Pfandbriefs
'LH MlKUOLFKH 5HQGLWH HLQHV 3IDQGEULHIV GHU PLW HLQHP $XI RGHU $EVFKODJ JHNDXIW ZLUG NDQQ EHUHFKQHW ZHUGHQ ZHQQ IROJHQGH *U|HQ EHNDQQW VLQG XUVSUQJOLFKHU 'DUOHKHQVEHWUDJ 39 =LQVVDW] , <5 SHULRGLVFKH =DKOXQJHQ 307 5HVWVFKXOG )9 XQG GHU . DXISUHLV IU GHQ 3IDQGEULHI QHXHU 39 %HDFKWHQ 6LH GLH 9RU]HLFKHQNRQYHQWLRQ IU &DVKIORZV DEIOLHHQGH %HWUlJH VLQG QHJDWLY ]XIOLHHQGH %HWUlJH VLQG SRVLWLY EHL HLQHP $XVJDEH]LQVVDW] YRQ XQG HLQHU /DXI]HLW YRQ -DKUHQ NDXIHQ 6HLW $XVJDEH GHU +\SRWKHN ZXUGHQ EHUHLWV PRQDWOLFKH =DKOXQJHQ JHOHLVWHW =XP (QGH GHV -DKUHV QDFK $XVJDEH VROO GHU 3IDQGEULHI ]XUFNJH]DKOW ZHUGHQ :LH KRFK LVW GLH MlKUOLFKH 5HQGLWH ZHQQ GHU . DXISUHLV IU GHQ 3IDQGEULHI EHWUlJW"
Schritt 1. %HUHFKQHQ 6LH 307 )9 PXVV 1XOO EHWUDJHQ Beispiel. (LQ , QYHVWRU P|FKWH HLQHQ +\SRWKHNHQ3IDQGEULHI EHU
:HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By IDOOV
BEGIN
B
Tastenfolge
Anzeige
12, 00
Beschreibung
'F B @ G P
9, 00 240, 00 100. 000, 00 0, 00 899, 73
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW -DKUHV]LQVVDW] 6SHLFKHUW $Q]DKO GHU 0RQDWH 6SHLFKHUW 1HQQEHWUDJ GHV 3IDQGEULHIV . HLQH 5HVWVFKXOG QDFK $EODXI YRQ -DKUHQ %HUHFKQHW UHJHOPlLJH =DKOXQJ
108 8: Zustzliche Beispiele
Schritt 2. *HEHQ 6LH GHQ QHXHQ :HUW YRQ 1 IU GLH %HJOHLFKXQJ GHU
5HVWVFKXOG QDFK -DKUHQ HLQ XQG EHUHFKQHQ 6LH )9
BvP #B G
Tastenfolge
Anzeige
899, 73 60, 00
Beschreibung
88. 706, 74
5XQGHW GHQ %HWUDJ DXI 1DFKNRPPDVWHOOHQ 6SHLFKHUW $Q]DKO GHU =DKOXQJHQ ELV )lOOLJNHLW %HUHFKQHW 5HVWVFKXOG ZLUG ]XU OHW]WHQ =DKOXQJ DGGLHUW
Schritt 3. *HEHQ 6LH GHQ PRPHQWDQHQ :HUW IU 1 XQG 39 HLQ XQG
EHUHFKQHQ 6LH DQVFKOLHHQG GLH 5HQGLWH , <5
("
Tastenfolge
Anzeige
18, 00
Beschreibung
%'@ F
79. 000, 00
20, 72
6SHLFKHUW $Q]DKO GHU YHUEOHLEHQGHQ =DKOXQJHQ 6SHLFKHUW GHQ . DXISUHLV PLW $EVFKODJ %HUHFKQHW GLH 5HQGLWH GHV 3IDQGEULHIV
Effektiver Jahreszins fr Darlehen mit Bearbeitungsgebhr
'HU HIIHNWLYH -DKUHV]LQV $QQXDO 3HUFHQWDJH 5DWH $35 HQWKlOW *HEKUHQ GLH EHL GHU $XVJDEH GHV 'DUOHKHQV DQIDOOHQ 'DGXUFK ZLUG GHU =LQVVDW] HIIHNWLY HUK|KW 'HU YRP 'DUOHKHQVQHKPHU HUKDOWHQH %HWUDJ 39 YHUULQJHUW VLFK GLH UHJHOPlLJHQ =DKOXQJHQ lQGHUQ VLFK MHGRFK QLFKW 'HU $35 NDQQ DXI *UXQGODJH GHU 'DUOHKHQVODXI]HLW 1 3HULRGHQ GHV LQWHUQHQ -DKUHV]LQVVDW]HV , 35 GHV 'DUOHKHQVEHWUDJV QHXHU 39 XQG GHU *HEKU EHUHFKQHW ZHUGHQ %HDFKWHQ 6LH GLH 9RU]HLFKHQNRQYHQWLRQ IU &DVKIORZV DEIOLHHQGH %HWUlJH VLQG QHJDWLY ]XIOLHHQGH %HWUlJH VLQG SRVLWLY
8: Zustzliche Beispiele 109
Beispiel: APR fr Darlehen mit Bearbeitungsgebhr. (LQHP 'DUOHKHQVQHKPHU ZHUGHQ *HEKUHQ YRQ 3UR]HQWSXQNWHQ IU GLH $XVJDEH GHV 'DUOHKHQV LQ 5HFKQXQJ JHVWHOOW (LQ 3UR]HQWSXQNW HQWVSULFKW GHV 'DUOHKHQVEHWUDJV :HOFKHQ $35 ]DKOW GHU 'DUOHKHQVQHKPHU EHL HLQHP 'DUOHKHQ YRQ PLW HLQHU /DXI]HLW YRQ -DKUHQ XQG HLQHP -DKUHV]LQVVDW] YRQ EHL PRQDWOLFKHQ =DKOXQJHQ"
:HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By IDOOV
BEGIN
B
Tastenfolge
Anzeige
12, 00
Beschreibung
&#F !B $ G P ( F
8, 50 360, 00 160. 000, 00 0, 00
1. 230, 26 160. 000, 00 156, 800 8, 72
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW -DKUHV]LQVVDW] 6SHLFKHUW 'DUOHKHQVODXI]HLW 6SHLFKHUW 1HQQEHWUDJ GHV 3IDQGEULHIV 'DUOHKHQ ZLUG QDFK -DKUHQ YROOVWlQGLJ ]XUFNJH]DKOW %HUHFKQHW =DKOXQJ 5XIW 'DUOHKHQVEHWUDJ DE =LHKW 3UR]HQWSXQNWH DE %HUHFKQHW $35 XQWHU %HUFNVLFKWLJXQJ GHU *HEKUHQ
110 8: Zustzliche Beispiele
Beispiel: Tilgungsfreies Darlehen mit Bearbeitungsgebhr. (LQ
WLOJXQJVIUHLHV 'DUOHKHQ EHU PLW MlKULJHU /DXI]HLW XQG -DKUHV]LQV ZLUG PLW HLQHU %HDUEHLWXQJVJHEKU YRQ GUHL 3UR]HQWSXQNWHQ DXVJH]DKOW :LH KRFK LVW GLH 5HQGLWH GHV 'DUOHKHQVJHEHUV" (V VROOHQ PRQDWOLFKHQ =DKOXQJHQ HUIROJHQ :HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By IDOOV
BEGIN
B
Tastenfolge
Anzeige
12, 00
Beschreibung
F B @G P ( !F
12, 00 120, 00 1. 000. 000, 00 1. 000. 000, 00
10. 000, 00 1. 000. 000, 00 970. 000, 00 12, 53
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW -DKUHV]LQVVDW] 6SHLFKHUW 'DUOHKHQVODXI]HLW 6SHLFKHUW 1HQQEHWUDJ GHV 3IDQGEULHIV (LQJDEH GHU 5HVWVFKXOG GD NHLQH 7LOJXQJ HUIROJW HQWVSULFKW GLHV GHP 'DUOHKHQVEHWUDJ %HUHFKQHW =LQV]DKOXQJHQ 5XIW 'DUOHKHQVEHWUDJ DE =LHKW 3UR]HQWSXQNWH DE %HUHFKQHW GHQ HIIHNWLYHQ -DKUHV]LQV $35
8: Zustzliche Beispiele 111
Darlehen mit einer gebrochenen ersten Periode
(LQH GHU 9RUDXVVHW]XQJHQ IU 790%HUHFKQXQJHQ LVW GLH JOHLFKH 3HULRGHQGDXHU IU =DKOXQJV XQG 9HU]LQVXQJVSHULRGHQ (V JLEW MHGRFK DXFK YLHOH 3UD[LVIlOOH LQ GHQHQ GLH HUVWH =DKOXQJVSHULRGH XQWHUVFKLHGOLFK ]X GHQ UHVWOLFKHQ 3HULRGHQ LVW , Q VROFKHQ )lOOHQ ZLUG GLHVH 3HULRGH DXFK DOV JHEURFKHQH HUVWH 3HULRGH EH]HLFKQHW )lOOW HLQH =LQV]DKOXQJ IU HLQH JHEURFKHQH HUVWH 3HULRGH DQ VR ZLUG GLHVH JHZ|KQOLFK EHU HLQH HLQIDFKH =LQVEHUHFKQXQJ HUPLWWHOW 0LW , KUHP +3 %, , O|VHQ 6LH HLQH $XIJDEHQVWHOOXQJ PLW HLQHU JHEURFKHQHQ HUVWHQ =DKOXQJVSHULRGH LQ ]ZHL 6FKULWWHQ %HUHFKQHQ 6LH GLH +|KH GHU HLQIDFKHQ =LQVHQ ZHOFKH ZlKUHQG GHU JHEURFKHQHQ HUVWHQ 3HULRGH DXIODXIHQ XQG DGGLHUHQ 6LH GHQ %HWUDJ ]XP %DUZHUW 6LH HUKDOWHQ GDPLW HLQHQ QHXHQ 39 'LH /lQJH GHU HUVWHQ 3HULRGH PXVV VLFK DOV %UXFKWHLO GHU JHVDPWHQ 3HULRGH DXVGUFNHQ ODVVHQ %HLVSLHOVZHLVH ZUGH HLQH HUVWH 3HULRGH PLW 7DJHQ 3HULRGHQ GDUVWHOOHQ ZHQQ YRQ 7DJHQ DOV QRUPDOHU 3HULRGHQGDXHU DXVJHJDQJHQ ZLUG %HUHFKQHQ 6LH GLH =DKOXQJ XQWHU 9HUZHQGXQJ GHV QHXHQ 39 ZREHL 1 GHU $Q]DKO YRQ JDQ]HQ 3HULRGHQ HQWVSULFKW 9HUZHQGHQ 6LH GHQ %HJLQQ0RGXV IDOOV GLH $Q]DKO YRQ 7DJHQ ELV ]XU HUVWHQ =DKOXQJ NOHLQHU DOV LVW DQVRQVWHQ LVW (QG0RGXV ]X YHUZHQGHQ
Beispiel. (LQ . UHGLW YRQ KDW HLQH /DXI]HLW YRQ 0RQDWHQ XQG ZLUG PLW YHU]LQVW :LH KRFK LVW GLH PRQDWOLFKH =DKOXQJ ZHQQ GLH HUVWH =DKOXQJ QDFK 7DJHQ HUIROJW XQG YRQ 7DJHQ DOV QRUPDOHU 3HULRGHQGDXHU DXVJHJDQJHQ ZLUG"
'LH JHEURFKHQH HUVWH 3HULRGH EHWUlJW LQ GLHVHP %HLVSLHO 7DJH :HFKVHOQ 6LH LQ GHQ (QG0RGXV 'UFNHQ 6LH DQJH]HLJW ZLUG
By IDOOV
BEGIN
112 8: Zustzliche Beispiele
B #F d 4
Tastenfolge
Anzeige
12, 00
Beschreibung
15, 00 1, 25
$d!4 "#Bi1 "# !$ G P
Autokredit
0, 67
30, 00
4. 530, 00
36, 00 0, 00 157, 03
/HJW GLH $Q]DKO GHU =DKOXQJHQ SUR -DKU IHVW 6SHLFKHUW -DKUHV]LQVVDW] %HUHFKQHW SHULRGHQEH]RJHQHQ =LQVVDW] 0XOWLSOL]LHUW =LQVVDW] PLW JHEURFKHQHU 3HULRGH %HUHFKQHW HLQIDFKHQ =LQVEHWUDJ IU JHEURFKHQH 3HULRGH $GGLHUW HLQIDFKHQ =LQVEHWUDJ ]XP %DUZHUW 6SHLFKHUW /DXI]HLW (LQJDEH 5HVWEHWUDJ QDFK =DKOXQJHQ %HUHFKQHW =DKOXQJVEHWUDJ
Beispiel. [. . . ] Auch unterschiedliche Batterietypen drfen nie zusammen verwendet werden.
/HJHQ 6LH GLH QHXHQ %DWWHULHQ HLQ 'DEHL PXVV GDV 3OXV]HLFKHQ GHU EHLGHQ %DWWHULHQ QDFK DXHQ ]HLJHQ
132 A: Kundenuntersttzung, Batterien und Service
6HW]HQ 6LH GDV %DWWHULHIDFK ZLHGHU HLQ 'UFNHQ 6LH
1
6ROOWH GHU 5HFKQHU QLFKW ZLHGHU HLQJHVFKDOWHW ZHUGHQ N|QQHQ JHKHQ 6LH ZLH LP IROJHQGHQ $EVFKQLWW EHVFKULHEHQ YRU
Feststellen der Reparaturbedrftigkeit
9HUZHQGHQ 6LH QDFKVWHKHQGH 5LFKWOLQLHQ XP GLH ]XYHUOlVVLJH )XQNWLRQVZHLVH GHV 5HFKQHUV ]X EHUSUIHQ 6ROOWH VLFK GDEHL KHUDXVVWHOOHQ GDVV GHU 5HFKQHU QLFKW NRUUHNW IXQNWLRQLHUW VFKODJHQ 6LH LP $EVFKQLWW , P 5HSDUDWXUIDOO DXI 6HLWH QDFK n Wenn nach dem Einschalten das Display leer bleibt: :DKUVFKHLQOLFK VLQG GLH %DWWHULHQ HUVFK|SIW 6HW]HQ 6LH QHXH %DWWHULHQ HLQ :HQQ VLFK GHU 5HFKQHU QDFK 'UFNHQ GHU 7DVWH LPPHU QRFK QLFKW HLQVFKDOWHW 6HW]HQ 6LH GHQ 5HFKQHU ]XUFN VLHKH QDFKIROJHQGH +LQZHLVH XQG O|VFKHQ 6LH JJI GHQ 6SHLFKHU VLHKH QDFKIROJHQGH +LQZHLVH 1XQ VROOWH GLH 0HOGXQJ All Clear HUVFKHLQHQ :HQQ GDV QLFKW GHU )DOO LVW PVVHQ 6LH VLFK DQ GHQ . XQGHQGLHQVW ZHQGHQ
1
Zurcksetzen des Taschenrechners
'UHKHQ 6LH GHQ 5HFKQHU XP XQG QHKPHQ 6LH GLH $EGHFNXQJ GHV %DWWHULHIDFKV DE )KUHQ 6LH GDV (QGH HLQHU %URNODPPHU LQ GDV VFKPDOH UXQGH /RFK ]ZLVFKHQ GHQ %DWWHULHQ HLQ 'UFNHQ 6LH GLH . ODPPHU VR ZHLW ZLH P|JOLFK KLQHLQ /DVVHQ 6LH GLH . ODPPHU HLQH 6HNXQGH ODQJ LQ GLHVHU 3RVLWLRQ XQG HQWIHUQHQ 6LH VLH DQVFKOLHHQG 'UFNHQ 6LH 6ROOWH GHU 7DVFKHQUHFKQHU LPPHU QRFK QLFKW UHDJLHUHQ O|VFKHQ 6LH GHQ 6SHLFKHU VLHKH QDFKVWHKHQGH +LQZHLVH XQG ZLHGHUKROHQ GLH YRUVWHKHQG DXIJHIKUWHQ 6FKULWWH ELV
1
A: Kundenuntersttzung, Batterien und Service 133
Lschen des Taschenrechner-Speichers
+DOWHQ 6LH GLH 7DVWH JHGUFNW +DOWHQ 6LH GLH 7DVWH JHGUFNW XQG GUFNHQ 6LH JOHLFK]HLWLJ GLH 7DVWH /DVVHQ 6LH DOOH GUHL 7DVWHQ ORV 'HU 6SHLFKHU ZLUG JHO|VFKW XQG GLH 0HOGXQJ All Clear VROOWH HUVFKHLQHQ
/
1 P
n Wenn das Drcken von Tasten keine Auswirkungen hat: 6HW]HQ 6LH GHQ 5HFKQHU ]XUFN VLHKH YRUVWHKHQGH +LQZHLVH XQG O|VFKHQ 6LH JJI GHQ 6SHLFKHU VLHKH QDFKIROJHQGH +LQZHLVH 1XQ VROOWH GLH 0HOGXQJ All Clear HUVFKHLQHQ :HQQ GDV QLFKW GHU )DOO LVW PVVHQ 6LH VLFK DQ GHQ . XQGHQGLHQVW ZHQGHQ n Wenn der Rechner auf das Drcken von Tasten reagiert, Sie
aber eine Funktionsstrung vermuten:
:DKUVFKHLQOLFK KDEH 6LH HLQH IDOVFKH 7DVWH JHGUFNW /HVHQ 6LH GLH HQWVSUHFKHQGHQ $EVFKQLWWH GLHVHV +DQGEXFKV YRU DOOHP GHQ $EVFKQLWW $QWZRUWHQ DXI DOOJHPHLQH )UDJHQ DXI 6HLWH HUQHXW GXUFK :HQGHQ 6LH VLFK DQ GHQ . XQGHQGLHQVW $GUHVVH XQG 7HOHIRQQXPPHU ILQGHQ 6LH DXI GHU , QQHQVHLWH GHV 5FNXPVFKODJV
Einjhrige Gewhrleistungsfrist
Gewhrleistungsumfang
+HZOHWW3DFNDUG JHZlKUOHLVWHW GDVV GHU 5HFKQHU IUHL YRQ 0DWHULDO XQG 9HUDUEHLWXQJVIHKOHUQ LVW GLHV JLOW QLFKW IU GLH %DWWHULHQ E]Z GXUFK %DWWHULHQ YHUXUVDFKWH 6FKlGHQ 'LH *DUDQWLH]HLW EHJLQQW DE GHP . DXIGDWXP XQG EHWUlJW HLQ -DKU :HQQ 6LH GHQ 5HFKQHU YHUNDXIHQ RGHU YHUVFKHQNHQ ZLUG GLH *HZlKUOHLVWXQJ DXWRPDWLVFK DXI GHQ QHXHQ (LJHQWPHU EHUWUDJHQ XQG EH]LHKW VLFK ZHLWHUKLQ DXI GDV XUVSUQJOLFKH . DXIGDWXP :lKUHQG GLHVHU =HLW YHUSIOLFKWHW VLFK +HZOHWW3DFNDUG HWZDLJH IHKOHUKDIWH 7HLOH NRVWHQORV LQ 6WDQG ]X VHW]HQ RGHU DXV]XWDXVFKHQ ZHQQ GHU 5HFKQHU GLUHNW RGHU EHU HLQHQ DXWRULVLHUWHQ 9HUWUDJVKlQGOHU DQ +HZOHWW3DFNDUG HLQJHVFKLFNW ZLUG (LQ (UVDW]UHFKQHU NDQQ HLQHP QHXHUHQ 0RGHOO PLW JOHLFKZHUWLJHU RGHU EHVVHUHU )XQNWLRQDOLWlW HQWVSUHFKHQ 'LHVH *DUDQWLH UlXPW GHP . XQGHQ EHVWLPPWH JHVHW]OLFKH 5HFKWH HLQ -H QDFK JHOWHQGHU 5HFKWVRUGQXQJ N|QQHQ 6LH ZHLWHUH $QVSUFKH KDEHQ
134 A: Kundenuntersttzung, Batterien und Service
Gewhrleistungsausschluss
%DWWHULHQ VRZLH GXUFK %DWWHULHQ YHUXUVDFKWH 6FKlGHQ VLQG YRQ GHU *HZlKUOHLVWXQJ GXUFK +HZOHWW3DFNDUG QLFKW HUIDVVW 1HKPHQ 6LH ]ZHFNV HLQHU GLHVEH]JOLFKHQ *HZlKUOHLVWXQJ PLW GHP %DWWHULHKHUVWHOOHU 9HUELQGXQJ DXI 'LH YRQ +HZOHWW3DFNDUG DQJHERWHQH *HZlKUOHLVWXQJ JLOW QLFKW IU 6FKlGHQ GLH GXUFK XQVDFKJHPlH %HWULHEVZHLVH HQWVWDQGHQ VLQG 'HU $XVVFKOXVV JLOW HEHQVR ZHQQ 0RGLILNDWLRQHQ RGHU 6HUYLFHDUEHLWHQ GXUFK QLFKW YRQ +HZOHWW3DFNDUG DXWRULVLHUWH 5HSDUDWXU]HQWUHQ DXVJHIKUW ZXUGHQ (V JLEW NHLQHQ ZHLWHUHQ *HZlKUOHLVWXQJVXPIDQJ 6LH KDEHQ OHGLJOLFK $QVSUXFK DXI 5HSDUDWXU RGHU (UVDW] :HLWHUJHKHQGH $QVSUFKH LQVEHVRQGHUH DXI *HZlKUOHLVWXQJ KDQGHOVEOLFKHU 4XDOLWlW VLQG DXI -DKU EHJUHQ]W , Q PDQFKHQ 5HFKWVRUGQXQJHQ LVW GLH %HJUHQ]XQJ GHU VWLOOVFKZHLJHQGHQ *DUDQWLHIULVW XQ]XOlVVLJ LQ GLHVHP )DOO JLOW GLH YRUVWHKHQG DXIJHIKUWH (LQVFKUlQNXQJ QLFKW IU 6LH +HZOHWW3DFNDUG KDIWHW DXI NHLQHQ )DOO IU )ROJHVFKlGHQ , Q PDQFKHQ 5HFKWVRUGQXQJHQ VLQG %HVFKUlQNXQJ RGHU $XVVFKOXVV GHU +DIWXQJ IU ]XIlOOLJH RGHU )ROJHVFKlGHQ XQ]XOlVVLJ LQ GLHVHP )DOO JHOWHQ GLH YRUVWHKHQG DXIJHIKUWHQ (LQVFKUlQNXQJHQ QLFKW )U GLH YHUNDXIWHQ 3URGXNWH JHOWHQ GLH WHFKQLVFKHQ 'DWHQ GLH ]XP =HLWSXQNW GHU +HUVWHOOXQJ DNWXHOO ZDUHQ +HZOHWW3DFNDUG EHUQLPPW NHLQH 9HUSIOLFKWXQJ EHUHLWV YHUNDXIWH 3URGXNWH ]X lQGHUQ RGHU ]X DNWXDOLVLHUHQ
Kundentransaktionen in Grobritannien
'LHVH *DUDQWLH JLOW QLFKW IU . XQGHQWUDQVDNWLRQHQ XQG KDW NHLQH $XVZLUNXQJHQ DXI GLH JHVHW]OLFKHQ 5HFKWH GHV . XQGHQ 'LH EHL VROFKHQ 7UDQVDNWLRQHQ JHOWHQGHQ 5HFKWH XQG 3IOLFKWHQ IU 9HUNlXIHU XQG . lXIHU VLQG JHVHW]OLFK JHUHJHOW
A: Kundenuntersttzung, Batterien und Service 135
Im Reparaturfall
+HZOHWW3DFNDUG XQWHUKlOW LQ GHQ PHLVWHQ /lQGHUQ GHU :HOW 5HSDUDWXU]HQWUHQ 'LHVH =HQWUHQ UHSDULHUHQ , KUHQ 5HFKQHU RGHU HUVHW]HQ LKQ GXUFK HLQ JOHLFK RGHU K|KHUZHUWLJHUHV 0RGHOO XQDEKlQJLJ YRP *DUDQWLHIDOO 1DFK $EODXI GHU *DUDQWLH]HLW YRQ HLQHP -DKU ZHUGHQ 5HSDUDWXUNRVWHQ EHUHFKQHW 'HU 6HUYLFH ZLUG QRUPDOHUZHLVH LQQHUKDOE YRQ $UEHLWVWDJHQ DXVJHIKUW
Service-Adressen
n In den USA: 6HQGHQ 6LH GHQ 7DVFKHQUHFKQHU DQ HLQ DXWRULVLHUWHV
+35HSDUDWXU]HQWUXP n In Europa: 6RIHUQ 6LH VLFK LQ GHU %5' DXIKDOWHQ N|QQHQ 6LH VLFK DXI GLH $QVFKULIWHQ DXI GHP EHLOLHJHQGHQ , QIREODWW EH]LHKHQ 1HKPHQ 6LH ]XHUVW . RQWDNW PLW +HZOHWW3DFNDUG DXI EHYRU 6LH , KUHQ 5HFKQHU ]XU 5HSDUDWXU HLQVFKLFNHQ (LQH /LVWH PLW GHQ 5HSDUDWXU]HQWUHQ LQ (XURSD ILQGHQ 6LH DXFK XQWHU KWWSZZZKSFRPFDOFXODWRUV n In anderen Lndern: 1HKPHQ 6LH . RQWDNW PLW GHU QlFKVWJHOHJHQHQ +HZOHWW3DFNDUG*HVFKlIWVVWHOOH DXI XP GLH NRUUHNWH $QVFKULIW HLQHV 5HSDUDWXU]HQWUXPV ]X HUIDKUHQ 6ROOWH HV LQ , KUHU 1lKH NHLQ 5HSDUDWXU]HQWUXP JHEHQ N|QQHQ 6LH GHQ 7DVFKHQUHFKQHU DQ HLQ DXWRULVLHUWHV +35HSDUDWXU]HQWUXP VFKLFNHQ $OOH 9HUVDQG 5HLPSRUW XQG =ROOJHEKUHQ PVVHQ YRQ , KQHQ JHWUDJHQ ZHUGHQ
Gebhren
)U 5HSDUDWXUHQ QDFK $EODXI GHU *DUDQWLH]HLW ZLUG HLQH 5HSDUDWXUNRVWHQSDXVFKDOH HUKREHQ 'LH +|KH GLHVHU 3DXVFKDOH NDQQ , KQHQ HLQ DXWRULVLHUWHV +35HSDUDWXU]HQWUXP VLHKH , QQHQVHLWH GHV 5FNXPVFKODJV PLWWHLOHQ , Q GHU %5' XQWHUOLHJW GLH 3DXVFKDOH GHU 0HKUZHUWVWHXHU 'LH 5HSDUDWXUNRVWHQSDXVFKDOH GHFNW QLFKW GLH 5HSDUDWXU YRQ 5HFKQHUQ ZHOFKH GXUFK *HZDOWHLQZLUNXQJ RGHU )HKOEHGLHQXQJ ]HUVW|UW ZXUGHQ , Q GLHVHP )DOO ZHUGHQ GLH 5HSDUDWXUNRVWHQ LQGLYLGXHOO QDFK $UEHLWV XQG 0DWHULDODXIZDQG IHVWJHVHW]W
136 A: Kundenuntersttzung, Batterien und Service
Versandanweisungen
:HQQ , KU 5HFKQHU UHSDULHUW ZHUGHQ PXVV VHQGHQ 6LH LKQ ELWWH PLW IROJHQGHQ 8QWHUODJHQ HLQ n 9ROOVWlQGLJH $EVHQGHUDQJDEH XQG HLQH %HVFKUHLEXQJ GHV )HKOHUV n . DXIEHOHJ VRIHUQ GLH *DUDQWLHIULVW QRFK QLFKW DQJHODXIHQ LVW n (LQHQ $XIWUDJVVFKHLQ RGHU 6FKHFN E]Z GLH $QJDEH , KUHU . UHGLWNDUWHQQXPPHU LQNO $EODXIGDWXP 9, 6$ RGHU 0DVWHU&DUG ]XU $EGHFNXQJ GHU 5HSDUDWXUNRVWHQSDXVFKDOH . UHGLWNDUWHQ ZHUGHQ LQ (XURSD HYHQWXHOO QLFKW DN]HSWLHUW 8QWHU KWWSZZZKSFRPFDOFXODWRUV HUKDOWHQ 6LH ZHLWHUH , QIRUPDWLRQHQ n 'HU 5HFKQHU XQG GLH HUIRUGHUOLFKHQ %HJOHLWLQIRUPDWLRQHQ VROOWHQ LQ GHU 2ULJLQDOYHUSDFNXQJ RGHU HLQHU JHHLJQHWHQ 6FKXW]YHUSDFNXQJ YHUVDQGW ZHUGHQ XP 7UDQVSRUWVFKlGHQ ]X YHUPHLGHQ 7UDQVSRUWVFKlGHQ ZHUGHQ GXUFK GLH HLQMlKULJH *DUDQWLH]HLW QLFKW DEJHGHFNW GHU 9HUVDQG ]XP 5HSDUDWXU]HQWUXP HUIROJW DXI HLJHQH *HIDKU ZREHL +HZOHWW3DFNDUG , KQHQ ]X HLQHU 7UDQVSRUWYHUVLFKHUXQJ UlW n 6LH PVVHQ GLH 9HUVDQGNRVWHQ DXFK GDQQ EHUQHKPHQ ZHQQ GLH *DUDQWLHIULVW QRFK QLFKW DEJHODXIHQ LVW
Gewhrleistung bei Reparaturen
)U 5HSDUDWXUHQ DXHUKDOE GHU *DUDQWLH]HLW OHLVWHW +HZOHWW3DFNDUG HLQH *DUDQWLH YRQ 7DJHQ DE 5HSDUDWXUGDWXP DXI 0DWHULDO XQG %HDUEHLWXQJVIHKOHU
Servicevereinbarungen
)U , KUHQ 5HFKQHU JLEW HV HLQH 9HUHLQEDUXQJ EHU 6HUYLFHXQWHUVWW]XQJ %H]LHKHQ 6LH VLFK DXI GLH 'RNXPHQWDWLRQ ZHOFKH GHU 9HUVDQGSDFNXQJ EHLJHOHJW LVW )U ]XVlW]OLFKH , QIRUPDWLRQHQ VROOWHQ 6LH VLFK PLW , KUHP +3 9HUWUDJVKlQGOHU RGHU HLQHU +HZOHWW3DFNDUG*HVFKlIWVVWHOOH LQ 9HUELQGXQJ VHW]HQ
A: Kundenuntersttzung, Batterien und Service 137
Sicherheitsbestimmungen
86$ 'LHVHV *HUlW HQWVSULFKW 7HLO GHU 86DPHULNDQLVFKHQ )&& %HVWLPPXQJHQ 'HU %HWULHE PXVV XQWHU GHQ EHLGHQ IROJHQGHQ %HGLQJXQJHQ HUIROJHQ 'LHVHV *HUlW GDUI NHLQH VFKlGOLFKH 6WUDKOXQJ DXVVHQGHQ XQG HV PXVV DOOH VW|UHQGHQ 6WUDKOXQJHQ HLQVFKOLHOLFK 6WUDKOXQJHQ GLH ]X HLQHU bQGHUXQJ GHV %HWULHEVYHUKDOWHQV IKUHQ WROHULHUHQ N|QQHQ 'LHVHU 7DVFKHQUHFKQHU HU]HXJW YHUZHQGHW XQG HPLWWLHUW )XQNVWUDKOXQJ XQG NDQQ ]X HLQHU %HHLQWUlFKWLJXQJ GHV 5DGLR XQG )HUQVHKHPSIDQJV IKUHQ 'LHVHV *HUlW HQWVSULFKW ODXW $EVFKQLWW GHU %HVWLPPXQJHQ GHU 86)XQN XQG )HUQPHOGHEHK|UGH )&& GHQ *UHQ]ZHUWHQ IU 'LJLWDOJHUlWH GHU . ODVVH % 'LHVH %HVWLPPXQJHQ GLHQHQ GD]X LQ :RKQUlXPHQ HLQHQ DQJHPHVVHQHQ 6FKXW] YRU )XQNVW|UXQJHQ ]X JHZlKUOHLVWHQ , Q EHVWLPPWHQ , QVWDOODWLRQHQ LVW GDV $XIWUHWHQ YRQ 6W|UXQJHQ MHGRFK QLFKW DXV]XVFKOLHHQ 6ROOWH GLHVHV *HUlW ZLGHU (UZDUWHQ GHQ (PSIDQJ YRQ )XQN XQG )HUQVHKVHQGXQJHQ VW|UHQ IHVWVWHOOEDU GXUFK GDV (LQ XQG $XVVFKDOWHQ GHV *HUlWV N|QQHQ GLH IROJHQGHQ %HKHEXQJVPDQDKPHQ HLQ]HOQ RGHU LP 9HUEXQG HLQJHVHW]W ZHUGHQ n 9HUOHJXQJ RGHU 1HXDXVULFKWXQJ GHU (PSIDQJVDQWHQQH n %HWUHLEHQ GHV 7DVFKHQUHFKQHUV LQ JU|HUHU (QWIHUQXQJ YRP (PSIlQJHU *HPl 7HLO GHU )&&9RUVFKULIWHQ N|QQHQ bQGHUXQJHQ RGHU 0RGLILNDWLRQHQ DQ GLHVHP *HUlW GLH QLFKW DXVGUFNOLFK YRQ +HZOHWW 3DFNDUG JHQHKPLJW ZRUGHQ VLQG GD]X IKUHQ GDVV GLH %HUHFKWLJXQJ ]XP %HWUHLEHQ GHV *HUlWV HUOLVFKW
Canada 7KLV &ODVV % GLJLWDO DSSDUDWXV FRPSOLHV ZLWK &DQDGLDQ (0&
&ODVV % UHTXLUHPHQWV
&HW DSSDUHLO QXPpULTXH GH OD FODVVH % HVW FRPIRUPH j OD FODVVH % GHV QRUPHV FDQDGLHQQHV GH FRPSDWLELOLWp pOHFWURPDJQpWLTXHV &(0
138 A: Kundenuntersttzung, Batterien und Service
Japan
Entsorgung von Altgerten aus privaten Haushalten in der EU
Das Symbol auf dem Produkt oder seiner Verpackung weist darauf hin, dass das Produkt nicht ber den normalen Hasmull entsorgt werden darf. Benutzer sind verpflichtet, die Altgerte an einer Rcknahmestelle fr Elektro- und Elektronik-Altgerte abzugeben. Die getrennte Sammlung und ordnungsgeme Entsorgung Ihrer Altgerte trgt zur Erhaltung der natrlichen Ressourcen bei und garantiert eine Wiederverwertung, die die Gesundheit des Menschen und die Umwelt schtzt. Informationen dazu, wo Sie Rcknahmestellen fr Ihre Altgerte finden, erhalten Sie bei Ihrer Stadtverwaltung, den rtlichen Mllentsorgungsbetrieben oder im Geschft, in dem Sie das Gert erworben haben.
Endbenutzer-Garantiebedingungen
Taschenrechner HP C3980A Garantiefrist: 12 Monate 1. [. . . ]