R中的复合利率计算（仅支付利率）

Question

我有一个问题，如何计算多年来支付的 R 利率：

H <- 2000000 # mortgage
i.m <- 0.03/12 # rate per month
year <- 15 # years

a <- (H*i.m*(1+i.m)^(12*year))/
  ((1+i.m)^(12*year)-1)
a # monthly

b <- a*year*12
b # will pay at the end

remain <- (a/i.m)*(1 - (1/((1+i.m)^((year:0)*12)))) # remain to be paid
remain

interest <- H*((1+i.m)^(0:year)-1) # interest rate over the years????
interest

http://mortgagevista.com/#m=1&a=2000000&b=3&c=60y&A&B&C&D&oa&ob&oc&od 我正在复制这个情节“总利息支付”（情节线的名称，我试图得到）。

Answer 1

这是每月支付的利率：

interest <- a*(1-(1/(1+i.m)^(0:(year*12))))