我想在Javascript中使用Excel PMT功能。 参数是
Pmt（interest_rate，number_payments，PV，FV，Type）
interest_rate : the interest rate for the loan.
number_payments : the number of payments for the loan.
PV : the present value or principal of the loan.
FV : It is the future value or the loan amount outstanding after all payments have been made.
Type is : It indicates when the payments are due. Type can be one of the following values:
0, 1
你可以参考： http://www.techonthenet.com/excel/formulas/pmt.php
这是我使用的代码，我被困在最后一个参数中。这是“类型是”0或1.请如何影响计算。
function PMT (ir, np, pv, fv ) {
/*
ir - interest rate per month
np - number of periods (months)
pv - present value
fv - future value (residual value)
*/
pmt = ( ir * ( pv * Math.pow ( (ir+1), np ) + fv ) ) / ( ( ir + 1 ) * ( Math.pow ( (ir+1), np) -1 ) );
return pmt;
}
我需要在普通的js中而不是在jquery中。 提前致谢
答案 0 :(得分：26)
这是我在一些谷歌搜索后的PMT功能版本：
function PMT(ir, np, pv, fv, type) {
/*
* ir - interest rate per month
* np - number of periods (months)
* pv - present value
* fv - future value
* type - when the payments are due:
* 0: end of the period, e.g. end of month (default)
* 1: beginning of period
*/
var pmt, pvif;
fv || (fv = 0);
type || (type = 0);
if (ir === 0)
return -(pv + fv)/np;
pvif = Math.pow(1 + ir, np);
pmt = - ir * pv * (pvif + fv) / (pvif - 1);
if (type === 1)
pmt /= (1 + ir);
return pmt;
}
示例 15年内以每年7.5％的利率偿还20万美元贷款所需的每月还款额是多少？
ir = 0.075 / 12
np = 15 * 12
pv = 200000
pmt = PMT(ir, np, pv).toFixed(2) = -1854.02
payoff = pmt * np = -333723.6
答案 1 :(得分：8)
这里是我的PMT版本
PMT: function(rate, nperiod, pv, fv, type) {
if (!fv) fv = 0;
if (!type) type = 0;
if (rate == 0) return -(pv + fv)/nperiod;
var pvif = Math.pow(1 + rate, nperiod);
var pmt = rate / (pvif - 1) * -(pv * pvif + fv);
if (type == 1) {
pmt /= (1 + rate);
};
return pmt;
},
////拨打PMT
var result = PMT(6.5/1200 , 30*12 , 65000 , 0 , 0);
console.log(result);
//// result : -410.8442152704279
///其他以及IPMT和PPMT
IPMT: function(pv, pmt, rate, per) {
var tmp = Math.pow(1 + rate, per);
return 0 - (pv * tmp * rate + pmt * (tmp - 1));
},
PPMT: function(rate, per, nper, pv, fv, type) {
if (per < 1 || (per >= nper + 1)) return null;
var pmt = this.PMT(rate, nper, pv, fv, type);
var ipmt = this.IPMT(pv, pmt, rate, per - 1);
return pmt - ipmt;
},
答案 2 :(得分：3)
了解Type参数影响的最简单方法是尝试以下值：年利率= 12％，月数= 1，现值= 100
当Type = 0（默认值）时，PMT（）函数将产生101
当Type = 1时，PMT（）函数将产生100
如果Type = 0，则计算利息为1个月，因为假定付款是在月末。对于Type = 1，利息计算为0个月，因为付款是在月初。
答案 3 :(得分：1)
感谢网站tvmcalcs.com，预付款示例，我使用以下功能解决了该问题。
function pmt(monthlyRate, monthlyPayments, presentValue, residualValue, advancedPayments) {
t1 = 1+monthlyRate
t2 = Math.pow(t1,monthlyPayments)
t3 = Math.pow(t1,(monthlyPayments-advancedPayments))
return (presentValue-(residualValue/t2))/(((1-(1/(t3)))/monthlyRate)+advancedPayments);
}
或者，如果您拥有我们的情况下的AnnualRate
function pmtWithAnnualRate(annualRate, monthlyPayments, presentValue, residualValue, advancedPayments) {
monthlyRate = annualRate / 1200
t1 = 1 + monthlyRate
t2 = Math.pow(t1,monthlyPayments)
t3 = Math.pow(t1,(monthlyPayments-advancedPayments))
return (presentValue-(residualValue/t2))/(((1-(1/(t3)))/monthlyRate)+advancedPayments);
}
答案 4 :(得分：1)
var AnualRate = 0.05; //5% interste rate
var NumberOfYear = 10;
var NumberOfPayments = NumberOfYear * 12;
var ByYear = 12;
var LoanAmount = 20000;
var FutureValue = 0;
var PresentValueInterstFector = Math.pow((1 + AnualRate/ByYear), NumberOfPayments);
var PeriodicPayment = (AnualRate/ByYear) * LoanAmount * (PresentValueInterstFector + FutureValue)/(PresentValueInterstFector-1);
var TotalCost = PeriodicPayment * NumberOfPayments;
var TotalInterset = TotalCost - LoanAmount;
console.log("TotalCost ", TotalCost);
console.log("TotalInterset ", TotalInterset);
var interestRate = 0.05; // or (5/100) this rate is annual
var numberofYear = 10;
var numberofPayment = numberofYear * 12;
var presentValue = 20000; //this is loan
function PMT(ir,np, pv, fv = 0){
var presentValueInterstFector = Math.pow((1 + ir), np);
var pmt = ir * pv * (presentValueInterstFector + fv)/(PresentValueInterstFector-1);
return pmt;
}
var testPMT = PMT(interestRate/12, numberofPayment, presentValue); //output
console.log(testPMT);
Time Value of Money calculator
function calculate(){
var getRate = parseFloat(document.getElementById('rate').value);
var getNumberOfYears = parseInt(document.getElementById('numOfYears').value);
var getNumOfPayments = parseInt(document.getElementById('numOfPayments').value);
var getLoanAmount = parseFloat(document.getElementById('loanAmount').value);
var pmt = PMT(getRate/12, getNumOfPayments, getLoanAmount);
document.getElementById('disMonthlypayment').innerHTML = pmt;
var totalCost = pmt * getNumOfPayments;
document.getElementById('disTotalcost').innerHTML = totalCost;
var totalInterset = totalCost - getLoanAmount;
document.getElementById('disTotalInterst').innerHTML = totalInterset;
}
//PMT function (Fazlan refer this)
function PMT(ir,np, pv, fv = 0){
// ir: interest rate
// np: number of payment
// pv: present value or loan amount
// fv: future value. default is 0
var presentValueInterstFector = Math.pow((1 + ir), np);
var pmt = ir * pv * (presentValueInterstFector + fv)/(presentValueInterstFector-1);
return pmt;
}<table>
<tr><td>Rate : </td><td> <input type="text" id="rate" placeholder="0.05" /> ex: 0.05 = (5/100) </td></tr>
<tr><td>Number of Years : </td><td> <input type="text" id="numOfYears" placeholder="10" /> </td></tr>
<tr><td>Number of Payments : </td><td> <input type="text" id="numOfPayments" placeholder="120" /> Number of Years * 12 </td></tr>
<tr><td>Loan Amount : </td><td> <input type="text" id="loanAmount" placeholder="20000" /> </td></tr>
<tr><td>Monthly Payment : </td><td> <b id="disMonthlypayment"></b> </td></tr>
<tr><td>Total Cost : </td><td> <b id="disTotalcost"></b> </td></tr>
<tr><td>Total Interest : </td><td> <b id="disTotalInterst"></b> </td></tr>
<tr><td><button onclick="calculate()">Calculate</button></td></tr>
</table>