Jul 29, 2005 - Calculating Interest Rate. In the calculations that have been presented so far in this chapter, the interest rate was a variable that you either. Dec 08, 2017  There is a payment function in excel. You input the rate which can be like 5%/12, the NPR which is the total number of payments, the present value, the future value and type (payment at the first of the month or the end of the month - I usually omit this or leave it at 0).

= (C6 / 12,C7, -C5 ) How this formula works Loans have four primary components: the amount, the interest rate, the number of periodic payments (the loan term) and a payment amount per period. You can use the PMT function to get the payment when you have the other 3 components. For this example, we want to find the payment for a $5000 loan with a 4.5% interest rate, and a term of 60 months. To do this, we configure the PMT function as follows: rate - The interest rate per period. We divide the value in C6 by 12 since 4.5% represents annual interest, and we need the periodic interest. Nper - the number of periods comes from cell C7; 60 monthly periods for a 5 year loan.

Pv - the loan amount comes from C5. We use the minus operator to make this value negative, since a loan represents money owed. With these inputs, the PMT function returns 93.215, rounded to $92.22 in the example using the currency number format.

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Use the optional fv (future value) argument to record the balloon payment. Loan = $200,000 Interest = 4.5% Balloon = 120,000 after 10 years Payments made monthly =PMT(.045/12,10*12,-200) Results in a payment of $1,279.11. After 120 payments, the loan balance will be $120,000. Note that the pv and fv argument signs must be opposite. If your balloon payment isn't set but the term is Loan = $200,000 Interest = 4.5% Balloon = balance at 10 years Monthly payment based on 30 year amortization =PMT(.045/12,30*12,-200000) =FV(0.045/12.37,-200000) The PMT function returns $1,013.37.

This would be your payment to get the loan balance to zero after 30 years (360 payments). The FV function returns $160,178.96. This is the loan balance after 120 payments (10 years) of $1,013.37. Wowza rtmp player.