各位網友好, 請問有人知道貸款月繳金額要如何算嗎??

小弟目前預購新屋, 詢問後的利率約1.7%
貸款約567萬,期限20年
房貸專員跟我說1個月要交27885
這樣正確嗎。。要如何計算呢
文章關鍵字
afon168 wrote:
各位網友好, 請問有...(恕刪)

利率試算
房貸專員說的沒錯啊!
做人好難~做好人更難!
在網路上找一下
怪老子理財,有很多實用的理財觀念,
其中有各種房貸試算比較的工具可以幫助你哦!
找銀行要就有,都有試算表供參考
使用EXCEL函數算
PMT(rate,nper,pv,fv,type)

Rate 為各期的利率。

Nper 為年金的總付款期數。

Pv 為未來各期年金現值的總和。

Fv 為最後一次付款完成後,所能獲得的現金餘額(年金終值)。如果省略 fv 引數,會自動假定為 0,也就是說,貸款的年金終值是 0。

Type 為 0 或 1 的數值,用以界定各期金額的給付時點。



謝謝各位回答
用軟體算是很方便
可是我比較想知道這個值是如何算出來的
因為我自己用計算機都算不出這個值
不知有人知道算式嗎
謝謝
複利計算啦。
有240 期 ,20*12月
第一期利息:5670000* (1.7% / 12) ^ 1,27885-前面數字,就是償還的本金假設R1, 5670000-R1 就是下期計算利息基礎
2'nd: (5670000-r1)* (1.7% / 12) ^ 1, R2, 27885-前面數字, 以此類推

到第240期,就剛好是0
其實要先知道攤還率就很好算

每月應付本息金額之平均攤還率
={[(1+月利率)^月數]×月利率}÷{[(1+月利率)^月數]-1}
(公式中:月利率 = 年利率/12 ; 月數=貸款年期 x 12)

例如:30年 固定利率1.85% 攤還率就是0.00362163639453545

依此類推

每月應付本息金額之平均攤還率*你的貸款金額=每月應付本息金額
這頁面計算的很清楚喔

http://0123456789.tw/CALHTML/housed.html


每月付款金額= 27884.97

=月= =剩下未付= =付出本金= =利息= =本金+利息= ==總付利息==
1 5650147.53 19852.47 8032.5 27884.97 8032.5
2 5630266.93 19880.59 8004.38 55769.94 16036.88
3 5610358.18 19908.76 7976.21 83654.91 24013.09
4 5590421.21 19936.96 7948.01 111539.88 31961.09
5 5570456.01 19965.21 7919.76 139424.85 39880.86
6 5550462.51 19993.49 7891.48 167309.82 47772.34
7 5530440.7 20021.82 7863.16 195194.79 55635.49
8 5510390.52 20050.18 7834.79 223079.76 63470.28
9 5490311.94 20078.58 7806.39 250964.73 71276.67
10 5470204.91 20107.03 7777.94 278849.71 79054.61
11 5450069.39 20135.51 7749.46 306734.68 86804.07
12 5429905.35 20164.04 7720.93 334619.65 94525
13 5409712.75 20192.6 7692.37 362504.62 102217.37
14 5389491.54 20221.21 7663.76 390389.59 109881.13
15 5369241.68 20249.86 7635.11 418274.56 117516.24
16 5348963.14 20278.54 7606.43 446159.53 125122.66
17 5328655.86 20307.27 7577.7 474044.5 132700.36
18 5308319.82 20336.04 7548.93 501929.47 140249.29
19 5287954.97 20364.85 7520.12 529814.44 147769.41
20 5267561.27 20393.7 7491.27 557699.41 155260.68
21 5247138.68 20422.59 7462.38 585584.38 162723.06
22 5226687.15 20451.52 7433.45 613469.35 170156.51
23 5206206.66 20480.5 7404.47 641354.32 177560.98
24 5185697.15 20509.51 7375.46 669239.29 184936.44
25 5165158.58 20538.57 7346.4 697124.26 192282.84
26 5144590.92 20567.66 7317.31 725009.23 199600.15
27 5123994.12 20596.8 7288.17 752894.2 206888.32
28 5103368.14 20625.98 7258.99 780779.17 214147.31
29 5082712.94 20655.2 7229.77 808664.14 221377.08
30 5062028.48 20684.46 7200.51 836549.12 228577.59
31 5041314.72 20713.76 7171.21 864434.09 235748.8
32 5020571.61 20743.11 7141.86 892319.06 242890.66
33 4999799.11 20772.49 7112.48 920204.03 250003.14
34 4978997.19 20801.92 7083.05 948089 257086.19
35 4958165.8 20831.39 7053.58 975973.97 264139.77
36 4937304.9 20860.9 7024.07 1003858.94 271163.84
37 4916414.44 20890.46 6994.52 1031743.91 278158.35
38 4895494.39 20920.05 6964.92 1059628.88 285123.27
39 4874544.71 20949.69 6935.28 1087513.85 292058.56
40 4853565.34 20979.37 6905.61 1115398.82 298964.16
41 4832556.25 21009.09 6875.88 1143283.79 305840.05
42 4811517.41 21038.85 6846.12 1171168.76 312686.17
43 4790448.75 21068.65 6816.32 1199053.73 319502.48
44 4769350.25 21098.5 6786.47 1226938.7 326288.95
45 4748221.86 21128.39 6756.58 1254823.67 333045.53
46 4727063.54 21158.32 6726.65 1282708.64 339772.18
47 4705875.24 21188.3 6696.67 1310593.61 346468.85
48 4684656.93 21218.31 6666.66 1338478.58 353135.51
49 4663408.55 21248.37 6636.6 1366363.56 359772.11
50 4642130.08 21278.48 6606.5 1394248.53 366378.6
51 4620821.46 21308.62 6576.35 1422133.5 372954.95
52 4599482.65 21338.81 6546.16 1450018.47 379501.12
53 4578113.61 21369.04 6515.93 1477903.44 386017.05
54 4556714.3 21399.31 6485.66 1505788.41 392502.71
55 4535284.68 21429.63 6455.35 1533673.38 398958.06
56 4513824.69 21459.98 6424.99 1561558.35 405383.04
57 4492334.31 21490.39 6394.58 1589443.32 411777.63
58 4470813.48 21520.83 6364.14 1617328.29 418141.77
59 4449262.16 21551.32 6333.65 1645213.26 424475.42
60 4427680.31 21581.85 6303.12 1673098.23 430778.54
61 4406067.89 21612.42 6272.55 1700983.2 437051.09
62 4384424.85 21643.04 6241.93 1728868.17 443293.02
63 4362751.15 21673.7 6211.27 1756753.14 449504.29
64 4341046.74 21704.41 6180.56 1784638.11 455684.85
65 4319311.58 21735.15 6149.82 1812523.08 461834.67
66 4297545.64 21765.95 6119.02 1840408.05 467953.69
67 4275748.86 21796.78 6088.19 1868293.02 474041.88
68 4253921.2 21827.66 6057.31 1896178 480099.19
69 4232062.62 21858.58 6026.39 1924062.97 486125.58
70 4210173.07 21889.55 5995.42 1951947.94 492121
71 4188252.51 21920.56 5964.41 1979832.91 498085.42
72 4166300.9 21951.61 5933.36 2007717.88 504018.77
73 4144318.19 21982.71 5902.26 2035602.85 509921.03
74 4122304.33 22013.85 5871.12 2063487.82 515792.15
75 4100259.29 22045.04 5839.93 2091372.79 521632.08
76 4078183.02 22076.27 5808.7 2119257.76 527440.78
77 4056075.48 22107.54 5777.43 2147142.73 533218.21
78 4033936.62 22138.86 5746.11 2175027.7 538964.32
79 4011766.39 22170.23 5714.74 2202912.67 544679.06
80 3989564.75 22201.63 5683.34 2230797.64 550362.39
81 3967331.67 22233.09 5651.88 2258682.61 556014.28
82 3945067.08 22264.58 5620.39 2286567.58 561634.66
83 3922770.96 22296.13 5588.85 2314452.55 567223.51
84 3900443.25 22327.71 5557.26 2342337.52 572780.77
85 3878083.9 22359.34 5525.63 2370222.49 578306.4
86 3855692.88 22391.02 5493.95 2398107.46 583800.35
87 3833270.15 22422.74 5462.23 2425992.43 589262.58
88 3810815.64 22454.5 5430.47 2453877.41 594693.05
89 3788329.33 22486.32 5398.66 2481762.38 600091.7
90 3765811.16 22518.17 5366.8 2509647.35 605458.5
91 3743261.08 22550.07 5334.9 2537532.32 610793.4
92 3720679.07 22582.02 5302.95 2565417.29 616096.35
93 3698065.06 22614.01 5270.96 2593302.26 621367.32
94 3675419.01 22646.05 5238.93 2621187.23 626606.24
95 3652740.89 22678.13 5206.84 2649072.2 631813.08
96 3630030.63 22710.25 5174.72 2676957.17 636987.8
97 3607288.2 22742.43 5142.54 2704842.14 642130.34
98 3584513.56 22774.65 5110.32 2732727.11 647240.67
99 3561706.65 22806.91 5078.06 2760612.08 652318.73
100 3538867.43 22839.22 5045.75 2788497.05 657364.48
101 3515995.86 22871.57 5013.4 2816382.02 662377.88
102 3493091.88 22903.98 4980.99 2844266.99 667358.87
103 3470155.45 22936.42 4948.55 2872151.96 672307.42
104 3447186.54 22968.92 4916.05 2900036.93 677223.47
105 3424185.08 23001.46 4883.51 2927921.9 682106.99
106 3401151.04 23034.04 4850.93 2955806.87 686957.91
107 3378084.37 23066.67 4818.3 2983691.85 691776.21
108 3354985.02 23099.35 4785.62 3011576.82 696561.83
109 3331852.94 23132.08 4752.9 3039461.79 701314.73
110 3308688.1 23164.85 4720.12 3067346.76 706034.85
111 3285490.43 23197.66 4687.31 3095231.73 710722.16
112 3262259.91 23230.53 4654.44 3123116.7 715376.6
113 3238996.47 23263.44 4621.53 3151001.67 719998.14
114 3215700.08 23296.39 4588.58 3178886.64 724586.72
115 3192370.68 23329.4 4555.58 3206771.61 729142.29
116 3169008.24 23362.45 4522.53 3234656.58 733664.82
117 3145612.7 23395.54 4489.43 3262541.55 738154.25
118 3122184.01 23428.69 4456.28 3290426.52 742610.53
119 3098722.13 23461.88 4423.09 3318311.49 747033.63
120 3075227.02 23495.11 4389.86 3346196.46 751423.48
121 3051698.62 23528.4 4356.57 3374081.43 755780.05
122 3028136.89 23561.73 4323.24 3401966.4 760103.29
123 3004541.78 23595.11 4289.86 3429851.37 764393.15
124 2980913.24 23628.54 4256.43 3457736.34 768649.59
125 2957251.23 23662.01 4222.96 3485621.31 772872.55
126 2933555.7 23695.53 4189.44 3513506.28 777061.99
127 2909826.6 23729.1 4155.87 3541391.26 781217.86
128 2886063.89 23762.72 4122.25 3569276.23 785340.11
129 2862267.51 23796.38 4088.59 3597161.2 789428.7
130 2838437.41 23830.09 4054.88 3625046.17 793483.58
131 2814573.56 23863.85 4021.12 3652931.14 797504.7
132 2790675.91 23897.66 3987.31 3680816.11 801492.01
133 2766744.39 23931.51 3953.46 3708701.08 805445.47
134 2742778.98 23965.42 3919.55 3736586.05 809365.03
135 2718779.61 23999.37 3885.6 3764471.02 813250.63
136 2694746.24 24033.37 3851.6 3792355.99 817102.23
137 2670678.83 24067.41 3817.56 3820240.96 820919.79
138 2646577.32 24101.51 3783.46 3848125.93 824703.25
139 2622441.67 24135.65 3749.32 3876010.9 828452.57
140 2598271.82 24169.84 3715.13 3903895.87 832167.7
141 2574067.74 24204.09 3680.89 3931780.84 835848.58
142 2549829.36 24238.37 3646.6 3959665.81 839495.18
143 2525556.65 24272.71 3612.26 3987550.78 843107.44
144 2501249.55 24307.1 3577.87 4015435.75 846685.31
145 2476908.02 24341.53 3543.44 4043320.72 850228.74
146 2452532 24376.02 3508.95 4071205.7 853737.7
147 2428121.45 24410.55 3474.42 4099090.67 857212.12
148 2403676.32 24445.13 3439.84 4126975.64 860651.96
149 2379196.56 24479.76 3405.21 4154860.61 864057.16
150 2354682.12 24514.44 3370.53 4182745.58 867427.69
151 2330132.95 24549.17 3335.8 4210630.55 870763.49
152 2305549 24583.95 3301.02 4238515.52 874064.51
153 2280930.22 24618.78 3266.19 4266400.49 877330.71
154 2256276.57 24653.65 3231.32 4294285.46 880562.03
155 2231587.99 24688.58 3196.39 4322170.43 883758.42
156 2206864.43 24723.55 3161.42 4350055.4 886919.84
157 2182105.86 24758.58 3126.39 4377940.37 890046.23
158 2157312.2 24793.65 3091.32 4405825.34 893137.54
159 2132483.42 24828.78 3056.19 4433710.31 896193.74
160 2107619.47 24863.95 3021.02 4461595.28 899214.75
161 2082720.29 24899.18 2985.79 4489480.25 902200.55
162 2057785.84 24934.45 2950.52 4517365.22 905151.07
163 2032816.07 24969.77 2915.2 4545250.19 908066.26
164 2007810.92 25005.15 2879.82 4573135.16 910946.09
165 1982770.35 25040.57 2844.4 4601020.13 913790.49
166 1957694.31 25076.05 2808.92 4628905.11 916599.41
167 1932582.74 25111.57 2773.4 4656790.08 919372.81
168 1907435.59 25147.14 2737.83 4684675.05 922110.64
169 1882252.82 25182.77 2702.2 4712560.02 924812.84
170 1857034.37 25218.45 2666.52 4740444.99 927479.36
171 1831780.2 25254.17 2630.8 4768329.96 930110.16
172 1806490.25 25289.95 2595.02 4796214.93 932705.18
173 1781164.48 25325.78 2559.19 4824099.9 935264.38
174 1755802.82 25361.65 2523.32 4851984.87 937787.69
175 1730405.24 25397.58 2487.39 4879869.84 940275.08
176 1704971.68 25433.56 2451.41 4907754.81 942726.49
177 1679502.08 25469.59 2415.38 4935639.78 945141.86
178 1653996.41 25505.68 2379.29 4963524.75 947521.16
179 1628454.6 25541.81 2343.16 4991409.72 949864.32
180 1602876.61 25577.99 2306.98 5019294.69 952171.3
181 1577262.38 25614.23 2270.74 5047179.66 954442.04
182 1551611.86 25650.52 2234.46 5075064.63 956676.5
183 1525925.01 25686.85 2198.12 5102949.6 958874.61
184 1500201.76 25723.24 2161.73 5130834.57 961036.34
185 1474442.08 25759.68 2125.29 5158719.55 963161.63
186 1448645.9 25796.18 2088.79 5186604.52 965250.42
187 1422813.18 25832.72 2052.25 5214489.49 967302.67
188 1396943.86 25869.32 2015.65 5242374.46 969318.32
189 1371037.89 25905.97 1979 5270259.43 971297.32
190 1345095.23 25942.67 1942.3 5298144.4 973239.63
191 1319115.81 25979.42 1905.55 5326029.37 975145.18
192 1293099.59 26016.22 1868.75 5353914.34 977013.92
193 1267046.51 26053.08 1831.89 5381799.31 978845.82
194 1240956.52 26089.99 1794.98 5409684.28 980640.8
195 1214829.57 26126.95 1758.02 5437569.25 982398.82
196 1188665.61 26163.96 1721.01 5465454.22 984119.83
197 1162464.58 26201.03 1683.94 5493339.19 985803.77
198 1136226.43 26238.15 1646.82 5521224.16 987450.6
199 1109951.12 26275.32 1609.65 5549109.13 989060.25
200 1083638.58 26312.54 1572.43 5576994.1 990632.68
201 1057288.76 26349.82 1535.15 5604879.07 992167.84
202 1030901.62 26387.14 1497.83 5632764.04 993665.66
203 1004477.09 26424.53 1460.44 5660649.01 995126.11
204 978015.13 26461.96 1423.01 5688533.99 996549.11
205 951515.68 26499.45 1385.52 5716418.96 997934.64
206 924978.69 26536.99 1347.98 5744303.93 999282.62
207 898404.11 26574.58 1310.39 5772188.9 1000593
208 871791.88 26612.23 1272.74 5800073.87 1001865.74
209 845141.94 26649.93 1235.04 5827958.84 1003100.78
210 818454.26 26687.69 1197.28 5855843.81 1004298.07
211 791728.76 26725.49 1159.48 5883728.78 1005457.54
212 764965.41 26763.35 1121.62 5911613.75 1006579.16
213 738164.14 26801.27 1083.7 5939498.72 1007662.86
214 711324.9 26839.24 1045.73 5967383.69 1008708.59
215 684447.64 26877.26 1007.71 5995268.66 1009716.3
216 657532.3 26915.34 969.63 6023153.63 1010685.94
217 630578.84 26953.47 931.5 6051038.6 1011617.44
218 603587.19 26991.65 893.32 6078923.57 1012510.76
219 576557.3 27029.89 855.08 6106808.54 1013365.84
220 549489.12 27068.18 816.79 6134693.51 1014182.63
221 522382.59 27106.53 778.44 6162578.48 1014961.07
222 495237.66 27144.93 740.04 6190463.45 1015701.12
223 468054.28 27183.38 701.59 6218348.42 1016402.7
224 440832.38 27221.89 663.08 6246233.4 1017065.78
225 413571.93 27260.46 624.51 6274118.37 1017690.29
226 386272.85 27299.08 585.89 6302003.34 1018276.19
227 358935.1 27337.75 547.22 6329888.31 1018823.41
228 331558.62 27376.48 508.49 6357773.28 1019331.9
229 304143.36 27415.26 469.71 6385658.25 1019801.61
230 276689.26 27454.1 430.87 6413543.22 1020232.48
231 249196.26 27492.99 391.98 6441428.19 1020624.45
232 221664.32 27531.94 353.03 6469313.16 1020977.48
233 194093.37 27570.95 314.02 6497198.13 1021291.5
234 166483.37 27610 274.97 6525083.1 1021566.47
235 138834.25 27649.12 235.85 6552968.07 1021802.32
236 111145.96 27688.29 196.68 6580853.04 1021999
237 83418.45 27727.51 157.46 6608738.01 1022156.46
238 55651.65 27766.79 118.18 6636622.98 1022274.64
239 27845.52 27806.13 78.84 6664507.95 1022353.48
240 0 27845.52 39.45 6692392.92 1022392.92
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