nper - The number of periods over which the loan or investment is to be paid.
pmt - The (fixed) payment amount per period.
pv - The present value of the loan / investment.
[fv] - An optional argument that specifies the future value of the loan / investment,
at the end of nper payments. If omitted, [fv] takes on the default value of 0.
[type] - An optional argument that defines whether the payment is made at the start or
the end of the period. The [type] argument can have the value 0 or 1, meaning:
0 - the payment is made at the end of the period;
1 - the payment is made at the beginning of the period.
If the [type] argument is omitted, it takes on the default value of 0
(denoting payments made at the end of the period).
[guess] - An initial estimate at what the rate will be.
If this argument is omitted, it will take on the default value of 10% (=0.1)
1 回答
如果您现在收到150,000美元的300笔付款,每月566.67美元的费用,RATE的参数是:
所以按照A2:F2中的单元格顺序说:
nper
是300pmt
是-170,000 / 300即〜-5666.67(输入为=ROUND(170,000/300,2)
)pv
是150,000fv
是0(默认值)type
您尚未指定,但可能是默认值(0)guess
我占1%(即.01)返回
.085%
. 这是每期(即每月)的费率,通常每年表示,通常乘以12,即每年给出1.02% . 在每年年底每年支付时,它与1.02%不完全相同,但这种低利率的每月复合对两位小数百分比没有显着差异 .它是1.0248%的有效利率,在12个等间隔,同等大小的分期中产生1.02%(第二个定义)1.02%,可以用以下公式计算:
上述情况可以在TimeValue Software这样的网站上查看,该网站甚至提供完整的还款计划(尽管有一个舍入误差 - 小于1美元) .