請問數學問題
小弟現在要買車,用120萬零利率48期分期付款還清,每期繳25000,無其它費用
但車價貴5萬(其實這就是利息)
小弟想知道這車貸實質利率是多少?
這是小弟的算法:
5萬除以4年(48期)=12500(每年要付的利息)
12500除以120萬=0.011 這筆車貸的實質利率是1.1%
這樣算沒錯吧~?? 請各位高手指導
活在當下@ksn wrote:
應該不是這樣算的,...(恕刪)
請問您2.02%是怎麼算來的?
我沒有其它利息了,就是48期 5萬利息
我是每月交25000
期數 每月應還本金金額(元) 每月應付利息金額(元) 每月應付本息金額(元) 每月本金餘額(元) 每月累計利息(元)
1 25,000 0 25,000 1,175,000 0
2 25,000 0 25,000 1,150,000 0
3 25,000 0 25,000 1,125,000 0
4 25,000 0 25,000 1,100,000 0
5 25,000 0 25,000 1,075,000 0
6 25,000 0 25,000 1,050,000 0
7 25,000 0 25,000 1,025,000 0
8 25,000 0 25,000 1,000,000 0
9 25,000 0 25,000 975,000 0
10 25,000 0 25,000 950,000 0
11 25,000 0 25,000 925,000 0
12 25,000 0 25,000 900,000 0
13 25,000 0 25,000 875,000 0
14 25,000 0 25,000 850,000 0
15 25,000 0 25,000 825,000 0
16 25,000 0 25,000 800,000 0
17 25,000 0 25,000 775,000 0
18 25,000 0 25,000 750,000 0
19 25,000 0 25,000 725,000 0
20 25,000 0 25,000 700,000 0
21 25,000 0 25,000 675,000 0
22 25,000 0 25,000 650,000 0
23 25,000 0 25,000 625,000 0
24 25,000 0 25,000 600,000 0
25 25,000 0 25,000 575,000 0
26 25,000 0 25,000 550,000 0
27 25,000 0 25,000 525,000 0
28 25,000 0 25,000 500,000 0
29 25,000 0 25,000 475,000 0
30 25,000 0 25,000 450,000 0
31 25,000 0 25,000 425,000 0
32 25,000 0 25,000 400,000 0
33 25,000 0 25,000 375,000 0
34 25,000 0 25,000 350,000 0
35 25,000 0 25,000 325,000 0
36 25,000 0 25,000 300,000 0
37 25,000 0 25,000 275,000 0
38 25,000 0 25,000 250,000 0
39 25,000 0 25,000 225,000 0
40 25,000 0 25,000 200,000 0
41 25,000 0 25,000 175,000 0
42 25,000 0 25,000 150,000 0
43 25,000 0 25,000 125,000 0
44 25,000 0 25,000 100,000 0
45 25,000 0 25,000 75,000 0
46 25,000 0 25,000 50,000 0
47 25,000 0 25,000 25,000 0
48 25,000 0 25,000 0 0
總計 1,200,000 0 1,200,000 0 0
以你的算法，你把50,000元利息平均攤成五年計算，但是實際上剛開始利息繳的多，快還清的時候大部分的錢都去還本金了，那時候利息繳的會比一開始的時候少。
謝謝你給我一個動動腦的機會，也希望對你有幫助。
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