:Table financial function PMT function calculates the installment amount and the amount of each period-Table skills免费ppt模版下载-道格办公

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Case

Returns the monthly payment amount of a loan based on a fixed interest rate and equal installments.

Grammar

PMT(rate,nper,pv,fv,type)
rate: loan interest rate.
nper: The total number of payments for the loan.
pv: present value, or a range of futures The cumulative sum of the current value of payments, also called principal.
fv: is the future value, or at the end The cash balance expected after a payment. If fv is omitted, its value is assumed to be zero, which is the balance of a loan.

ComeThe value is zero.

type: A number 0 or 1 that specifies whether payment is due at the beginning or end of each period.

Description

• PMT returns payments that include principal and interest but do not include taxes, retention payments, or certain loan-related fees.
• Please confirm the specified rate and nper Unit consistency. For example, the same four-year loan with an annual interest rate of 12%, if paid monthly, rate

Shouldbe 12%/12, nper should be 4*12; if paid annually, rate should be 12%, nper should be 4.

Note: If you want to calculate the total payments over the loan period, multiply the PMT return value by nper.

PMT function is often used to calculate loans in life and work Amortization amount, so how does the PMT function calculate the amortization amount?
Take this borrowing and returning table as an example.

￭ Position the cursor at (E3) and click Insert Function-Financial-PMT Function.
A dialog box will pop up with a total of five parameters:
"Interest rate" is the interest rate for each period;
"Total number of payment periods" is the total number of periods that need to be paid;
"Present value" is the data borrowed;
"Future value" refers to the cash balance available after the last payment. If it is omitted, it defaults to 0;
"Whether to pay at the beginning of the period" can be filled in with 1 or 0, 1 refers to payment at the beginning of the period, and 0 refers to payment at the end of the period.

￭We enter (B3) in the "interest rate", enter (C3) in the "total number of payment periods", and enter (D3) in the "present value".
Because we want to calculate the installment amount and do not need to calculate the future value, enter 0 in "Future Value".
Because our loan installment is at the beginning of each period, enter 1 in "Whether to pay at the beginning of the period".
Click OK to get the repayment amount for each period of the loan.
Place the cursor in the lower right corner of (E3) and use the + drop-down to fill in the formula, and you can get the installment repayment amount of all loans.

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Table financial function PMT function calculates the installment amount and the amount of each period

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Table financial function PMT function calculates the installment amount and the amount of each period

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