Javascript 中的 PMT 函数 [英] PMT function in Javascript

问题描述

我想在 Javascript 中使用 Excel PMT 函数.参数是

I want to use Excel PMT function in Javascript. The parameter would be

Pmt(interest_rate, number_payments, PV, FV, Type )

Pmt( interest_rate, number_payments, PV, FV, Type )

interest_rate : the interest rate for the loan.
number_payments : the number of payments for the loan.
PV : the present value or principal of the loan.
FV : It is the future value or the loan amount outstanding after all payments have been made. 

Type is : It indicates when the payments are due. Type can be one of the following values:
 0, 1

您可以参考:http://www.techonthenet.com/excel/formulas/pmt.php

这是我使用的代码，我被困在最后一个参数中.哪个是type is" 0 或 1.请教它如何影响计算.

this is the code I use, I am stuck in last parameter. Which is "type is" 0 or 1. How it effect the calculations please.

function PMT (ir, np, pv, fv ) {
 /*
 ir - interest rate per month
 np - number of periods (months)
 pv - present value
 fv - future value (residual value)
 */
 pmt = ( ir * ( pv * Math.pow ( (ir+1), np ) + fv ) ) / ( ( ir + 1 ) * ( Math.pow ( (ir+1), np) -1 ) );
 return pmt;
}

我需要纯 Javascript 而不是 jQuery.

I need it in plain Javascript and not in jQuery please.

推荐答案

了解 Type 参数影响的最简单方法是尝试以下值:Annual Interest = 12%, # of Months = 1, Present Value =100

The easiest way to understand the impact of the Type parameter is to try the following values: Annual Interest = 12%, # of Months = 1, Present Value = 100

当 Type=0(默认)时，PMT() 函数将产生 101

When Type=0 (the default), the PMT() function will yield 101

Type=1 时，PMT() 函数会产生 100

When Type=1, the PMT() function will yield 100

Type=0 时，利息计算为 1 个月，因为假定付款是在月底.对于 Type=1，利息计算为 0 个月，因为付款是在月初.

With Type=0, the interest is computed for 1 month because the payment is assumed to be at the end of the month. For Type=1, the interest is computed for 0 months because the payment is at the beginning of the month.

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