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       
(Showing Draft Content)

PMT

PMT 是一个财务函数,用于根据固定付款额和固定利率计算贷款的付款额。

语法

PMT( rate , nper , pval , fval , type )

参数

此函数有以下参数:

参数 描述
rate 贷款利率
nper 该项贷款的付款总数
pval 现值,或一系列未来付款额现在所值的总额,也叫本金
fval [可选] 未来值,或在最后一次付款后希望得到的现金余额。 如果省略 fv,则假定其值为 0(零)
type [可选] 指定到期付款时间。数字 0 或 1 指示支付时间。

注释

请确保指定 rate 和 nper 所用的单位是一致的。 如果要以百分之十二的年利率按月支付一笔四年期的贷款,则 rate 应为 12%/12,nper 应为 4*12。 如果按年支付同一笔贷款,则 rate 使用 12%,nper 使用 4。

PMT 返回的付款包括本金和利息,但不包括税金、准备金,也不包括某些与贷款有关的费用。

结果请用负数表示,因为它是您支付的钱。

有关财务的公式,请参考 PV 函数。

数据类型

接受所有参数的数值数据。返回数值数据。

示例

PMT(B1,C4,C5,C6,1)

PMT(R1C2,8,16,4)

PMT(6%/12, 15, 5000) 得出结果 -$346.82

PMT(0.005, 15, 5000, 0, 1) 得出结果 -$345.10