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Excel付款公式

发布于 2024-10-17 03:04:22 字数 140 浏览 6 评论 0原文

谁能帮我解释一下excel中的PMT公式？

=-PMT（ 1) 率 2）nper 3）光伏发电 4) [前视] 5) [Type] )

以上是 pmt 公式的大概意思。但我不确定不断增加的付款以及如何在 Excel 中使用这个公式。

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旧街凉风 2024-10-24 03:04:22

使用可选的 fv（未来值）参数来记录大额付款。

Loan = $200,000
Interest = 4.5%
Balloon = 120,000 after 10 years
Payments made monthly

=PMT(.045/12,10*12,-200000,120000)

结果支付 1,279.11 美元。 120 次付款后，贷款余额将为 120,000 美元。请注意，pv 和 fv 参数符号必须相反。

如果您的大额付款未设置，但期限为

Loan = $200,000
Interest = 4.5%
Balloon = balance at 10 years
Monthly payment based on 30 year amortization

=PMT(.045/12,30*12,-200000)
=FV(0.045/12,10*12,1013.37,-200000)

PMT 函数返回 1,013.37 美元。这将是您在 30 年后将贷款余额归零的付款（360 次付款）。 FV 函数返回 $160,178.96。这是 120 次付款（10 年）后的贷款余额 1,013.37 美元。

Use the optional fv (future value) argument to record the balloon payment.

Loan = $200,000
Interest = 4.5%
Balloon = 120,000 after 10 years
Payments made monthly

=PMT(.045/12,10*12,-200000,120000)

Results in a payment of $1,279.11. After 120 payments, the loan balance will be $120,000. Note that the pv and fv argument signs must be opposite.

If your balloon payment isn't set but the term is

Loan = $200,000
Interest = 4.5%
Balloon = balance at 10 years
Monthly payment based on 30 year amortization

=PMT(.045/12,30*12,-200000)
=FV(0.045/12,10*12,1013.37,-200000)

The PMT function returns $1,013.37. This would be your payment to get the loan balance to zero after 30 years (360 payments). The FV function returns $160,178.96. This is the loan balance after 120 payments (10 years) of $1,013.37.

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