因为 房贷利率 和 理财利率 虽然都叫年利率,但不是一个概念。 设想一下,假如按照复利计算,44w,5.65%的年利率,30年时间,那到期的本金+利息应该是 44 × (1 + 0.0565) 30 = 228.8 44. 计算每月的还款额,等额本息贷款方式下,每月还款金额相同, 在d1单元格里输入公式: =pmt (4.9%/12,240,200000) 其中: 4.9%/12是月利率 240是20年 200000是贷款额 pmt的英文缩.
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