Excel's formulas for a loan

To illustrate Excel's most popular financial functions, we consider a loan with monthly payments, an annual interest rate of 6%, a 20-year duration, a present value of $150,000 (amount borrowed) and a future value

为了说明Excel最受欢迎的财务功能，我们假设每月支付贷款，年利率为2.1％，贷款期限20年，贷款总额1 000 000元（借入金额）和未来还款额0。当你修改其它参数时，所求运算值自动变更。

fx en français	VPM	TAUX	NPM	VA	VC
fx in English	PMT	Rate	Nper	Pv	Fv
calculate items	Payment/Month	interest rate/month	duration of months	total amount of loan	balance
1.PMT(VPM)月还贷额	($1 074,65)	0,50%	240	$150 000	0
2.PMT(VPM) 月还贷额	¥-5 106,33	0,175%	240	¥1 000 000	0
3.  Pv    (VA) 贷款总额	¥5 106,33	0,175%	240	¥1 000 000	0
4.   Fv    (VC) 贷款余额	¥-3 106,33	0,175%	240	¥1 000 000	¥595 889
5.Rate(TAUX) 贷款利率	¥-5 206,33	0,192%	240	¥1 000 000	0
6. Nper(NPM) 贷款期限	¥-6 481,24	0,175%	180	¥1 000 000	0

1. 2. Your capacity to get loan 
3. Depends of your monthly payment capacity and duration of loan period 
4. If your financial situation deteriorated… 
5. Interest rate of some banks maybe higher 
6. You chose to pay off a loan earlier 

Ref.: http://www.excel-easy.com/functions/financial-functions.html