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3-4 折現數與貸款分析

3-4 折現數與貸款分析. 3-4-1 貸款分析. 貸款金額為「現值」，通常是固定變數，期數也不是主要的決策變數，主要的決策變數有： 每期繳款 PMT 每期本金 PPMT 每期利息 IPMT 利率 RATE. 計算每期付款金額固定之利息 IPMT( 利率，期別，總期數，現值，未來值，型態 ) 計算每期應付之本金 PPMT( 利率，期別，總期數，現值，未來值，型態 ) 計算每期付款金額 PMT( 利率，總期數，現值，未來值，型態 ) PMT()=IPMT()+PPMT(). 3-4-2 運用 What-If 進行貸款分析. 請參考 Excel 中的範例

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3-4 折現數與貸款分析

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  1. 3-4 折現數與貸款分析

  2. 3-4-1 貸款分析 • 貸款金額為「現值」，通常是固定變數，期數也不是主要的決策變數，主要的決策變數有： • 每期繳款PMT • 每期本金PPMT • 每期利息IPMT • 利率RATE

  3. 計算每期付款金額固定之利息 IPMT(利率，期別，總期數，現值，未來值，型態) • 計算每期應付之本金 PPMT(利率，期別，總期數，現值，未來值，型態) • 計算每期付款金額 PMT(利率，總期數，現值，未來值，型態) PMT()=IPMT()+PPMT()

  4. 3-4-2 運用What-If進行貸款分析 • 請參考Excel中的範例 • 計算利率 RATE(總期數，每期付款，現值，未來值，型態，猜測值)

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