贷款利率中途调整的情况_人大经济论坛下载系统

贷款利率中途调整的情况


贷款额	10000
贷款发放时年利率	8%	8
还款年限	5
利率调整前月还款额	202.76
利率调整发生年	4
利率调整发生月	37
调整后的新年利率	8%	8
新利率适用期限（年）	2
新利率开始时欠款余额	4483.22
利率调整后月还款额	202.76

当前月份	17
贷款月利率	0.7%
月还款额	202.76
支付利息	51.40
归还本金	151.36


月	月	月还	月初	支付	归还	月末
月	利率	款额	欠款	利息	本金	欠款
0						10000.0
1	0.7%	202.8	10000.0	66.7	136.1	9863.9
2	0.7%	202.8	9863.9	65.8	137.0	9726.9
3	0.7%	202.8	9726.9	64.8	137.9	9589.0
4	0.7%	202.8	9589.0	63.9	138.8	9450.1
5	0.7%	202.8	9450.1	63.0	139.8	9310.4
6	0.7%	202.8	9310.4	62.1	140.7	9169.7
7	0.7%	202.8	9169.7	61.1	141.6	9028.1
8	0.7%	202.8	9028.1	60.2	142.6	8885.5
9	0.7%	202.8	8885.5	59.2	143.5	8741.9
10	0.7%	202.8	8741.9	58.3	144.5	8597.5
11	0.7%	202.8	8597.5	57.3	145.4	8452.0
12	0.7%	202.8	8452.0	56.3	146.4	8305.6
13	0.7%	202.8	8305.6	55.4	147.4	8158.2
14	0.7%	202.8	8158.2	54.4	148.4	8009.8
15	0.7%	202.8	8009.8	53.4	149.4	7860.5
16	0.7%	202.8	7860.5	52.4	150.4	7710.1
17	0.7%	202.8	7710.1	51.4	151.4	7558.7
18	0.7%	202.8	7558.7	50.4	152.4	7406.4
19	0.7%	202.8	7406.4	49.4	153.4	7253.0
20	0.7%	202.8	7253.0	48.4	154.4	7098.6
21	0.7%	202.8	7098.6	47.3	155.4	6943.1
22	0.7%	202.8	6943.1	46.3	156.5	6786.7
23	0.7%	202.8	6786.7	45.2	157.5	6629.1
24	0.7%	202.8	6629.1	44.2	158.6	6470.6
25	0.7%	202.8	6470.6	43.1	159.6	6310.9
26	0.7%	202.8	6310.9	42.1	160.7	6150.2
27	0.7%	202.8	6150.2	41.0	161.8	5988.5
28	0.7%	202.8	5988.5	39.9	162.8	5825.6
29	0.7%	202.8	5825.6	38.8	163.9	5661.7
30	0.7%	202.8	5661.7	37.7	165.0	5496.7
31	0.7%	202.8	5496.7	36.6	166.1	5330.6
32	0.7%	202.8	5330.6	35.5	167.2	5163.4
33	0.7%	202.8	5163.4	34.4	168.3	4995.0
34	0.7%	202.8	4995.0	33.3	169.5	4825.5
35	0.7%	202.8	4825.5	32.2	170.6	4655.0
36	0.7%	202.8	4655.0	31.0	171.7	4483.2
37	0.7%	202.8	4655.0	31.0	171.7	4483.2
37	0.7%	202.8	4483.2	29.9	172.9	4310.3
38	0.7%	202.8	4310.3	28.7	174.0	4136.3
39	0.7%	202.8	4136.3	27.6	175.2	3961.1
40	0.7%	202.8	3961.1	26.4	176.4	3784.8
41	0.7%	202.8	3784.8	25.2	177.5	3607.2
42	0.7%	202.8	3607.2	24.0	178.7	3428.5
43	0.7%	202.8	3428.5	22.9	179.9	3248.6
44	0.7%	202.8	3248.6	21.7	181.1	3067.5
45	0.7%	202.8	3067.5	20.5	182.3	2885.2
46	0.7%	202.8	2885.2	19.2	183.5	2701.7
47	0.7%	202.8	2701.7	18.0	184.8	2516.9
48	0.7%	202.8	2516.9	16.8	186.0	2330.9
49	0.7%	202.8	2330.9	15.5	187.2	2143.7
50	0.7%	202.8	2143.7	14.3	188.5	1955.2
51	0.7%	202.8	1955.2	13.0	189.7	1765.5
52	0.7%	202.8	1765.5	11.8	191.0	1574.5
53	0.7%	202.8	1574.5	10.5	192.3	1382.2
54	0.7%	202.8	1382.2	9.2	193.5	1188.7
55	0.7%	202.8	1188.7	7.9	194.8	993.9
56	0.7%	202.8	993.9	6.6	196.1	797.7
57	0.7%	202.8	797.7	5.3	197.4	600.3
58	0.7%	202.8	600.3	4.0	198.8	401.5
59	0.7%	202.8	401.5	2.7	200.1	201.4
60	0.7%	202.8	201.4	1.3	201.4	0.0

in E6:	=PMT(E4/12,E5*12,-E3)	in E10:	=E5-E7+1
in E8:	=12*(E7-1)+1	in E11:	=PV(E4/12,E10*12,-E6)
		in E12:	=PMT(E9/12,E10*12,-E11)

in I6:	=IF(I5=$E$8-1,$E$8-0.001, IF(I5=$E$8-0.001,I4+1,I5+1))
in J6:	=IF(I6<12*($E$7-1)+1,$E$4,$E$9)/12
in K6:	=IF(I6<12*($E$7-1)+1,$E$6,$E$12)

in L6:	=IF(INT(I6)=I6,O5,O4)	in M6:	=L6*J6	in N6:	=K6-M6	in O6:	=L6-N6

in O5:	=E3

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贷款利率中途调整的情况