用Excel计算住房贷款和个人储蓄（Calculate housing loans and personal savings with Excel）.doc

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用Excel计算住房贷款和个人储蓄（Calculate housing loans and personal savings with Excel）.doc

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用Excel计算住房贷款和个人储蓄（Calculate housing loans and personal savings with Excel）

用Excel计算住房贷款和个人储蓄（Calculate housing loans and personal savings with Excel） The calculation of housing loans and personal savings bank 2010-07-15 15:23 interest in Excel computing is very cumbersome, most did not learn professional accounting people feel at a loss what to do, for example in the banks housing loans and personal savings. MSoffice computing in Excel can completely relieve you of this trouble. Follow me, please. An example solution to these two problems. Excel 2002 in the PMT function, through the single, double variable simulation operation to achieve the loan interest calculation. By explaining, it is believed that readers can easily calculate the interest payments for installments and the best plan for choosing installments. Fixed rate payment calculation The PMT function can be based on fixed interest rates and matching installments, based on fixed loan interest rates, regular payments and loan amounts, for each period (usually monthly) to repay the amount of the loan. Lets first look at the format and application of the PMT function: PMT (Rate, Nper, Pv, Fv, Type) The meaning of each parameter is as follows: Rate: interest rates for each period, for example, if you borrow a loan at 4.2% of the annual interest rate to buy a house and pay a monthly loan, the monthly interest rate is 4.2%/12 (0.35%). The user can enter 4.2%/12, 0.35%, or 0.0035 in the formula as the value of Rate. Nper: the term of the loan, the total amount of payment of the loan. For example, for a 10 year period of monthly repayment of housing loans, a total of 10 x 12 (or 120) repayment period. You can enter 120 in the formula as the value of Nper. Pv: the present value or the cumulative value of the current value of a series of future payments, that is, the amount of the loan. Fv: refers to the future value of the future or the cash balance that is expected after the last payment. If Fv is omitted, it is assumed to be zero, that is, the future value of a loan is zero, and the aver