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標題:
如何計算貸款利率
發問:
來知識網站看了很多計算利率的範例，但是還是有很多不清楚的地方。 ex. 貸款50萬元，利率4%，分48期還款，每月最低還款額該如何計算? 我需要可以用一般計算機就可算出，我的算法是 500,000x4%/48 = 一期 NTD 417 ...利息，但是本金每個月要還多少? 如何計算?我不會算耶 ~~ 是固定的嗎? 好亂喔~頭好痛，有沒有人可以 教教我，感激不盡
最佳解答:
期別攤還本金攤還利息攤還本利和尚欠本金1?NT$9,623.00?NT$1,667.00?NT$11,290.00?NT$490,377.00?2?NT$9,655.00?NT$1,635.00?NT$11,290.00?NT$480,722.00?3?NT$9,688.00?NT$1,602.00?NT$11,290.00?NT$471,034.00?4?NT$9,720.00?NT$1,570.00?NT$11,290.00?NT$461,314.00?5?NT$9,752.00?NT$1,538.00?NT$11,290.00?NT$451,562.00?6?NT$9,785.00?NT$1,505.00?NT$11,290.00?NT$441,777.00?7?NT$9,817.00?NT$1,473.00?NT$11,290.00?NT$431,960.00?8?NT$9,850.00?NT$1,440.00?NT$11,290.00?NT$422,110.00?9?NT$9,883.00?NT$1,407.00?NT$11,290.00?NT$412,227.00?10?NT$9,916.00?NT$1,374.00?NT$11,290.00?NT$402,311.00?11?NT$9,949.00?NT$1,341.00?NT$11,290.00?NT$392,362.00?12?NT$9,982.00?NT$1,308.00?NT$11,290.00?NT$382,380.00?13?NT$10,015.00?NT$1,275.00?NT$11,290.00?NT$372,365.00?14?NT$10,049.00?NT$1,241.00?NT$11,290.00?NT$362,316.00?15?NT$10,082.00?NT$1,208.00?NT$11,290.00?NT$352,234.00?16?NT$10,116.00?NT$1,174.00?NT$11,290.00?NT$342,118.00?17?NT$10,150.00?NT$1,140.00?NT$11,290.00?NT$331,968.00?18?NT$10,183.00?NT$1,107.00?NT$11,290.00?NT$321,785.00?19?NT$10,217.00?NT$1,073.00?NT$11,290.00?NT$311,568.00?20?NT$10,251.00?NT$1,039.00?NT$11,290.00?NT$301,317.00?21?NT$10,286.00?NT$1,004.00?NT$11,290.00?NT$291,031.00?22?NT$10,320.00?NT$970.00?NT$11,290.00?NT$280,711.00?23?NT$10,354.00?NT$936.00?NT$11,290.00?NT$270,357.00?24?NT$10,389.00?NT$901.00?NT$11,290.00?NT$259,968.00?25?NT$10,423.00?NT$867.00?NT$11,290.00?NT$249,545.00?26?NT$10,458.00?NT$832.00?NT$11,290.00?NT$239,087.00?27?NT$10,493.00?NT$797.00?NT$11,290.00?NT$228,594.00?28?NT$10,528.00?NT$762.00?NT$11,290.00?NT$218,066.00?29?NT$10,563.00?NT$727.00?NT$11,290.00?NT$207,503.00?30?NT$10,598.00?NT$692.00?NT$11,290.00?NT$196,905.00?31?NT$10,634.00?NT$656.00?NT$11,290.00?NT$186,271.00?32?NT$10,669.00?NT$621.00?NT$11,290.00?NT$175,602.00?33?NT$10,705.00?NT$585.00?NT$11,290.00?NT$164,897.00?34?NT$10,740.00?NT$550.00?NT$11,290.00?NT$154,157.00?35?NT$10,776.00?NT$514.00?NT$11,290.00?NT$143,381.00?36?NT$10,812.00?NT$478.00?NT$11,290.00?NT$132,569.00?37?NT$10,848.00?NT$442.00?NT$11,290.00?NT$121,721.00?38?NT$10,884.00?NT$406.00?NT$11,290.00?NT$110,837.00?39?NT$10,921.00?NT$369.00?NT$11,290.00?NT$99,916.00?40?NT$10,957.00?NT$333.00?NT$11,290.00?NT$88,959.00?41?NT$10,993.00?NT$297.00?NT$11,290.00?NT$77,966.00?42?NT$11,030.00?NT$260.00?NT$11,290.00?NT$66,936.00?43?NT$11,067.00?NT$223.00?NT$11,290.00?NT$55,869.00?44?NT$11,104.00?NT$186.00?NT$11,290.00?NT$44,765.00?45?NT$11,141.00?NT$149.00?NT$11,290.00?NT$33,624.00?46?NT$11,178.00?NT$112.00?NT$11,290.00?NT$22,446.00?47?NT$11,215.00?NT$75.00?NT$11,290.00?NT$11,231.00?48?NT$11,231.00?NT$37.00?NT$11,268.44?NT$0.00
你要用一般的計算器計算貸款期付額,可是一件很繁雜的事情喔 因為他的計算公式是: R=A/((1-((1+(i/m))^-n))/(i/m)) 其中： R=貸款之期付額 A=總貸款額 i=年利率 m=每年付款次數 n=貸款償還年限 以你的case來講,應列式如下; A=50萬 i=4% m=12 n=4年(12*4=48月) R=50萬/((1-((1+(4%/12))^-48))/(4%/12)) =11288.63 看了以上公式,你還認為他可以用一般的計算器就可以速速的求出嗎?所以你至少必須準備一台工程用計算器,才能使用以上公式... 不過你也可以使用Excel的內置財務函數來計算 計算貸款期付額請使用"PMT"函數 計算當期貸款利息請使用"IPMT"函數 計算當期貸款本金請使用"PPMT"函數 計算當期貸款餘額請使用"PV"函數,但"NPER"引數須設定如下: 全部貸款期限-已繳款期數 如此你就可以自行編制"分期攤還明細表" 請盡量自己算!!|||||你的算法是錯的@@||| 你算ㄉ是單利計算 500000*4%(年利率)/12=1666.6666(第一個月的利息)， 另外本金部分=每月應付本息金額之平均攤還金額-利息 --------------------期數-------------------------------期數<===次方 ＝{[(1＋月利率)----]×月利率}÷{[(1＋月利率)----]－1}-利息 ＝(固定月付金)11289.52733-(第一個月利息)1666.6666 ＝(第一個月本金攤還部份)9622.86073 (備註：月利率 ＝ 年利率／12==>4%/12＝0.333% ； 期數=48) 本金部分每月攤還會遞增，利息會遞減，因為計算尚欠銀行的本金每個月是越來越少的，貸款月付金是固定，但其中攤還比例會不同CEE950A255C9C3B3
如何計算貸款利率
發問:
來知識網站看了很多計算利率的範例，但是還是有很多不清楚的地方。 ex. 貸款50萬元，利率4%，分48期還款，每月最低還款額該如何計算? 我需要可以用一般計算機就可算出，我的算法是 500,000x4%/48 = 一期 NTD 417 ...利息，但是本金每個月要還多少? 如何計算?我不會算耶 ~~ 是固定的嗎? 好亂喔~頭好痛，有沒有人可以 教教我，感激不盡
最佳解答:
期別攤還本金攤還利息攤還本利和尚欠本金1?NT$9,623.00?NT$1,667.00?NT$11,290.00?NT$490,377.00?2?NT$9,655.00?NT$1,635.00?NT$11,290.00?NT$480,722.00?3?NT$9,688.00?NT$1,602.00?NT$11,290.00?NT$471,034.00?4?NT$9,720.00?NT$1,570.00?NT$11,290.00?NT$461,314.00?5?NT$9,752.00?NT$1,538.00?NT$11,290.00?NT$451,562.00?6?NT$9,785.00?NT$1,505.00?NT$11,290.00?NT$441,777.00?7?NT$9,817.00?NT$1,473.00?NT$11,290.00?NT$431,960.00?8?NT$9,850.00?NT$1,440.00?NT$11,290.00?NT$422,110.00?9?NT$9,883.00?NT$1,407.00?NT$11,290.00?NT$412,227.00?10?NT$9,916.00?NT$1,374.00?NT$11,290.00?NT$402,311.00?11?NT$9,949.00?NT$1,341.00?NT$11,290.00?NT$392,362.00?12?NT$9,982.00?NT$1,308.00?NT$11,290.00?NT$382,380.00?13?NT$10,015.00?NT$1,275.00?NT$11,290.00?NT$372,365.00?14?NT$10,049.00?NT$1,241.00?NT$11,290.00?NT$362,316.00?15?NT$10,082.00?NT$1,208.00?NT$11,290.00?NT$352,234.00?16?NT$10,116.00?NT$1,174.00?NT$11,290.00?NT$342,118.00?17?NT$10,150.00?NT$1,140.00?NT$11,290.00?NT$331,968.00?18?NT$10,183.00?NT$1,107.00?NT$11,290.00?NT$321,785.00?19?NT$10,217.00?NT$1,073.00?NT$11,290.00?NT$311,568.00?20?NT$10,251.00?NT$1,039.00?NT$11,290.00?NT$301,317.00?21?NT$10,286.00?NT$1,004.00?NT$11,290.00?NT$291,031.00?22?NT$10,320.00?NT$970.00?NT$11,290.00?NT$280,711.00?23?NT$10,354.00?NT$936.00?NT$11,290.00?NT$270,357.00?24?NT$10,389.00?NT$901.00?NT$11,290.00?NT$259,968.00?25?NT$10,423.00?NT$867.00?NT$11,290.00?NT$249,545.00?26?NT$10,458.00?NT$832.00?NT$11,290.00?NT$239,087.00?27?NT$10,493.00?NT$797.00?NT$11,290.00?NT$228,594.00?28?NT$10,528.00?NT$762.00?NT$11,290.00?NT$218,066.00?29?NT$10,563.00?NT$727.00?NT$11,290.00?NT$207,503.00?30?NT$10,598.00?NT$692.00?NT$11,290.00?NT$196,905.00?31?NT$10,634.00?NT$656.00?NT$11,290.00?NT$186,271.00?32?NT$10,669.00?NT$621.00?NT$11,290.00?NT$175,602.00?33?NT$10,705.00?NT$585.00?NT$11,290.00?NT$164,897.00?34?NT$10,740.00?NT$550.00?NT$11,290.00?NT$154,157.00?35?NT$10,776.00?NT$514.00?NT$11,290.00?NT$143,381.00?36?NT$10,812.00?NT$478.00?NT$11,290.00?NT$132,569.00?37?NT$10,848.00?NT$442.00?NT$11,290.00?NT$121,721.00?38?NT$10,884.00?NT$406.00?NT$11,290.00?NT$110,837.00?39?NT$10,921.00?NT$369.00?NT$11,290.00?NT$99,916.00?40?NT$10,957.00?NT$333.00?NT$11,290.00?NT$88,959.00?41?NT$10,993.00?NT$297.00?NT$11,290.00?NT$77,966.00?42?NT$11,030.00?NT$260.00?NT$11,290.00?NT$66,936.00?43?NT$11,067.00?NT$223.00?NT$11,290.00?NT$55,869.00?44?NT$11,104.00?NT$186.00?NT$11,290.00?NT$44,765.00?45?NT$11,141.00?NT$149.00?NT$11,290.00?NT$33,624.00?46?NT$11,178.00?NT$112.00?NT$11,290.00?NT$22,446.00?47?NT$11,215.00?NT$75.00?NT$11,290.00?NT$11,231.00?48?NT$11,231.00?NT$37.00?NT$11,268.44?NT$0.00
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其他解答:你要用一般的計算器計算貸款期付額,可是一件很繁雜的事情喔 因為他的計算公式是: R=A/((1-((1+(i/m))^-n))/(i/m)) 其中： R=貸款之期付額 A=總貸款額 i=年利率 m=每年付款次數 n=貸款償還年限 以你的case來講,應列式如下; A=50萬 i=4% m=12 n=4年(12*4=48月) R=50萬/((1-((1+(4%/12))^-48))/(4%/12)) =11288.63 看了以上公式,你還認為他可以用一般的計算器就可以速速的求出嗎?所以你至少必須準備一台工程用計算器,才能使用以上公式... 不過你也可以使用Excel的內置財務函數來計算 計算貸款期付額請使用"PMT"函數 計算當期貸款利息請使用"IPMT"函數 計算當期貸款本金請使用"PPMT"函數 計算當期貸款餘額請使用"PV"函數,但"NPER"引數須設定如下: 全部貸款期限-已繳款期數 如此你就可以自行編制"分期攤還明細表" 請盡量自己算!!|||||你的算法是錯的@@||| 你算ㄉ是單利計算 500000*4%(年利率)/12=1666.6666(第一個月的利息)， 另外本金部分=每月應付本息金額之平均攤還金額-利息 --------------------期數-------------------------------期數<===次方 ＝{[(1＋月利率)----]×月利率}÷{[(1＋月利率)----]－1}-利息 ＝(固定月付金)11289.52733-(第一個月利息)1666.6666 ＝(第一個月本金攤還部份)9622.86073 (備註：月利率 ＝ 年利率／12==>4%/12＝0.333% ； 期數=48) 本金部分每月攤還會遞增，利息會遞減，因為計算尚欠銀行的本金每個月是越來越少的，貸款月付金是固定，但其中攤還比例會不同CEE950A255C9C3B3
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