不需要这么复杂啊下面对PMT的解释够简单明了吧，但是为什么这么算？
800k*(1+r)^30=Ng + Ng(1+r) + Ng(1+r)^2 + ... + Ng(1+r)^29
Ng=43.497K
Third year principal reduction
PMT - [P - A - A(1+r)]r=(PMT-P r)+Ar + A(1+r)r=A+Ar+Ar+Ar^2=A*(1+r)^2
You make it A + Ar + Ar^2. Hence wrong answer.
When cakculating the interest payment, the principal reduction in all previous years accumulate.
Too complicated for you and there is fixed answer in mathematics.
Switch to continue to argue in the topic without fixed answer.
You make it A + Ar + Ar^2. Hence wrong answer.
When cakculating the interest payment, the principal reduction in all previous years accumulate.
Too complicated for you and there is fixed answer in mathematics.
Switch to continue to argue in the topic without fixed answer.
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