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(Showing Draft Content)

PMT

現在価値、指定の利率、および支払回数に基づき、借入金返済での定期支払額を算出します。

書式

PMT( rate , nper , pval , fval , type )

引数

有効な引数は次のとおりです。

引数

説明

rate

期間あたりの利率

nper

合計支払回数

pval

現在価値

fval

(オプション)将来価値。最後の支払を行った後に残る現金収支です。省略すると0とみなされます。

type

(オプション)支払期日。支払が期末に行われる場合は0、期首に行われる場合は1を指定します。省略すると0とみなされます。

解説

利率と支払回数は、単位を統一する必要があります。 支払が毎月行われる場合は、利率も月単位で計算する必要があります。 たとえば利率が年率6 %であれば、返済が年払いの場合はrate引数に6 %(6/100)または0.06を指定しますが、月払いの場合は6 %を12で割った値を指定します。返される定期支払額には元金と利息が含まれますが、そのほかの手数料や税金は含まれません。

この関数の結果は支払われた金額を示すため、負数で表されます。

財務計算の数式については、PV関数を参照してください。

データ型

全引数に対して数値データを受け取り、 数値データを返します。

サンプル

PMT(B1,C4,C5,C6,1)

PMT(R1C2,8,16,4)

PMT(6%/12, 15, 5000) 結果: -$346.82

PMT(0.005, 15, 5000, 0, 1) 結果: -$345.10