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ÎÒÏë³öÀ´µÄ¼ÆËã·½·¨²»ÊǸü¼ÓÈÝÒ×Àí½âÂð£¿ÎªÊ²Ã´²»ÊÇʹÓÃÕâÖÖËã·¨£¿Ô­ÒòºÎÔÚ£¿
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(ÒýÓà flyover2010:Á½ÖÖÄ깩µÄ¼ÆË㷽ʽ£¬ÄÄÒ»ÖÖ¸üºÃÀí½â£¿¼ÙÉèÂò100Íò·¿×Ó£¬´û¿î80Íò£¬ÀûÂÊ3.5%£¬´û¿î30Äê¡£ °´ÕÕPMTµÄ¼ÆË㹫ʽ£¬Ã¿ÄêÒª»¹43.497K. PMT¼ÆËã¹...)CalculationDenote A=PMT-P r

First year principal reduction: A
Second year reduction: A(1+r)

You just abke to fill two pail of water.

Third year: A(1+r)^2
...
30th year: A(1+r)^29

P=A[1+(1+r)+(1+r)^2+...+(1+r)^29]=A[(1+r)^30-1]/r
A=P r/[(1+r)^30-1]

PMT=A+P r

Stay away from mathematics please.
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(ÒýÓà ÀÖÓ뱯:CalculationDenote A=PMT-P r First year principal reduction: A Second year reduction: A(1+r) You just abke to fill two pail of ...)²»ÐèÒªÕâô¸´ÔÓ°¡ÏÂÃæ¶ÔPMTµÄ½âÊ͹»¼òµ¥Ã÷ÁË°É£¬µ«ÊÇΪʲôÕâôË㣿
800k*(1+r)^30=Ng + Ng(1+r) + Ng(1+r)^2 + ... + Ng(1+r)^29
Ng=43.497K
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(ÒýÓà watercooler:Ô­À´Ä㻹֪µÀÒª×Ô¼ºËãһϰ¡¡£¡£¡£²»´í²»´í¡£¡£¡£ »ù±¾µÄ¸ßÖÐÊýѧ£¬ÏëÏë²é²é¾ÍÖªµÀ¡£¡£¡£ ŪÃ÷°×µã¾Í²»»áÕûÌì´óËÁ½ÐÏùÁË¡£¡£¡£)ÄãµÄɤÃÅͦ´óµÄÀ²À²¶Ó³¤Ó¦¸Ã×öµÄ²»´í¡£[flyover2010 (1-1 12:18, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]16Â¥

(ÒýÓà flyover2010:²»ÐèÒªÕâô¸´ÔÓ°¡ÏÂÃæ¶ÔPMTµÄ½âÊ͹»¼òµ¥Ã÷ÁË°É£¬µ«ÊÇΪʲôÕâôË㣿 800k*(1+r)^30=Ng + Ng(1+r) + Ng(1+r)^2 + ... + Ng(1+r)^29 Ng=43.)Third year principal reductionPMT - [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.
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂÊÖ»úWap°æ] [ÀÖÓ뱯 (1-1 12:33, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]17Â¥

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