{"id":165,"date":"2009-10-08T17:01:18","date_gmt":"2009-10-08T21:01:18","guid":{"rendered":"http:\/\/www.prglab.com\/blog\/?p=165"},"modified":"2010-10-14T16:31:13","modified_gmt":"2010-10-14T20:31:13","slug":"%e6%88%bf%e8%b4%b7%e8%bf%98%e6%ac%be%e7%9a%84%e8%ae%a1%e7%ae%97","status":"publish","type":"post","link":"https:\/\/www.prglab.com\/blog\/p\/165","title":{"rendered":"\u623f\u8d37\u8fd8\u6b3e\u7684\u8ba1\u7b97"},"content":{"rendered":"

\u600e\u4e48\u6837\u624d\u80fd\u4ed8\u6700\u5c11\u7684\u5229\u606f\u662f\u4ffa\u51c6\u623f\u5974\u6700\u5173\u5fc3\u7684\u4e8b\u513f\uff0c\u5230\u5e95\u662f\u62ff\u6d6e\u52a8\u5229\u7387\u597d\uff0c\u8fd8\u662f\u56fa\u5b9a\u5229\u7387\u597d\uff0c3\u5e74\u56fa\u5b9a\u8fd8\u662f5\u5e74\u56fa\u5b9a\u597d\uff0c\u9664\u4e86\u4e2a\u4eba\u5bf9\u5229\u7387\u8d70\u5411\u7684\u9884\u6d4b\uff0c\u8fd8\u5f97\u77e5\u9053\u5229\u606f\u662f\u600e\u6837\u8ba1\u7b97\u7684\u3002\u6700\u8fd1\u521a\u521a\u7814\u7a76\u4e86\u4e00\u4e0b\uff0c\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u5fc3\u5f97\u5427\u3002<\/p>\n

\u623f\u8d37\u8fd8\u6b3e\u5176\u5b9e\u5c31\u662f\u5206\u671f\u8fd8\u6b3e (amortization)\uff0c\u6bcf\u671f\u8fd8\u6b3e\u91d1\u989d\u76f8\u540c\uff0c\u94f6\u884c\u4ece\u8fd8\u6b3e\u4e2d\u5148\u6263\u5229\u606f\uff0c\u518d\u7b97\u672c\u91d1\u3002(\u4e00\u822c\u4e5f\u5141\u8bb8\u6bcf\u671f\u591a\u4ed8\u4e00\u70b9\uff0c\u591a\u4ed8\u7684\u90e8\u5206\u5168\u90fd\u7b97\u8fd8\u7684\u672c\u91d1\uff0c\u56e0\u4e3a\u5f71\u54cd\u94f6\u884c\u7684\u5229\u606f\u6536\u5165\uff0c\u4e00\u822c\u6709\u9650\u989d\uff0c\u8fd9\u4e2a\u540e\u9762\u518d\u53e6\u8bf4\uff0c\u8fd9\u91cc\u5148\u8003\u8651\u53ea\u8001\u8001\u5b9e\u5b9e\u6309\u65f6\u8fd8\uff0c\u4e0d\u591a\u4ed8\u7684\u60c5\u51b5\u3002\uff09<\/p>\n

\u8ba1\u7b97\u8fd8\u6b3e\u91d1\u989d\u5206\u4e24\u6b65\u8d70\uff0c\u4e00\u7b97\u5468\u671f\u5229\u7387\uff0c\u4e8c\u7b97\u5206\u671f\u91d1\u989d\u3002<\/p>\n

\u7b2c\u4e00\u6b65\uff0c\u9996\u5148\u8bf4\u5468\u671f\u5229\u7387\u3002<\/strong><\/p>\n

\u901a\u5e38\u94f6\u884c\u7ed9\u7684\u90a3\u4e2a\u767e\u5206\u6570(4%\u554a\uff0c6%\u554a\u4ec0\u4e48\u7684\uff09\u90fd\u8bf4\u662f\u5e74\u5229\u7387\uff0c\u800c\u4ed8\u6b3e\u5468\u671f\u53ef\u4ee5\u662f\u6309\u6708\u4ed8(monthly)\uff0c\u534a\u6708\u4ed8(semi-monthly)\uff0c\u6309\u5468\u4ed8(weekly)\uff0c\u6216\u8005\u53cc\u5468\u4ed8(Bi-weekly)\u3002\u8ba1\u7b97\u5229\u606f\u7684\u65f6\u5019\u9700\u8981\u8ba1\u7b97\u5468\u671f\u5229\u7387\uff0c\u8ba1\u606f\u5468\u671f\u548c\u4ed8\u6b3e\u5468\u671f\u7684\u9009\u62e9\u662f\u4f1a\u5f71\u54cd\u6700\u7ec8\u7684\u5b9e\u9645\u5229\u606f\u7684\u3002\u4e00\u822c\u8ba1\u606f\u5468\u671f\u548c\u4ed8\u6b3e\u5468\u671f\u662f\u76f8\u540c\u7684\uff0c\u8fd9\u79cd\u60c5\u51b5\u4e0b\u8ba1\u606f\u5468\u671f\u7684\u5229\u7387\u7b49\u4e8e\u5e74\u5229\u7387\u9664\u4ee5\u4e00\u5e74\u7684\u671f\u6570\uff0c\u6bd4\u5982\u5e74\u5229\u7387\u662f6%\uff0c\u6309\u6708\u4ed8\u4e00\u5e7412\u671f\uff0c\u5468\u671f\u5229\u7387\u5c31\u662f6%\/12=0.5%\u3002\u4f46\u662f\u6709\u4e9b\u60c5\u51b5\u4e0b\uff0c\u6bd4\u5982\u52a0\u62ff\u5927\u7684\u623f\u8d37\u6709\u4e9b\u662f\u534a\u5e74\u8ba1\u606f\u7684\uff0c\u4e5f\u5c31\u662f\u8bf4\u4e00\u5e74\u8ba1\u4e24\u6b21\uff0c\u800c\u8fd8\u6b3e\u8fd8\u662f\u53ef\u4ee5\u9009\u4e0d\u540c\u5468\u671f\uff0c\u8fd9\u6837\u8ba1\u606f\u5468\u671f\u4e0e\u8fd8\u6b3e\u5468\u671f\u4e0d\u540c\uff0c\u5468\u671f\u5229\u7387\u5c31\u4e0e\u524d\u9762\u7684\u8ba1\u7b97\u7a0d\u6709\u4e0d\u540c\u3002<\/p>\n

\u5468\u5176\u5229\u7387\u7684\u8ba1\u7b97\u516c\u5f0f\u662f\uff1a \"\"<\/p>\n

\u5176\u4e2d \"\"\u662f\u94f6\u884c\u7ed9\u7684\u5e74\u5229\u7387\uff0cc<\/em><\/strong>\u662f\u6bcf\u5e74\u7684\u8ba1\u606f\u5468\u671f\u6570\uff0cp<\/em><\/strong>\u662f\u6bcf\u5e74\u8fd8\u6b3e\u5468\u671f\u6570\u3002<\/p>\n

\u6bd4\u5982\u8fd8\u662f\u5e74\u5229\u73876%\uff0c\u6bcf\u534a\u5e74\u8ba1\u606f\uff08\u5728\u5f88\u591a\u52a0\u62ff\u5927\u94f6\u884c\u7684\u7f51\u7ad9\u7ecf\u5e38\u4f1a\u770b\u5230\u4e00\u53e5 Rate calculated semi-annually, not in advance\u5c31\u662f\u8fd9\u4e2a\u610f\u601d\uff09\uff0c\u6bcf\u5e74\u7684\u8ba1\u606f\u5468\u671f\u5c31\u662f2\uff0c\u8fd8\u662f\u6309\u6708\u8fd8\u6b3e\uff0c\u6bcf\u5e74\u7684\u8fd8\u6b3e\u5468\u671f\u662f12, \u90a3\u4e48\u5468\u671f\u5229\u7387\u5c31\u662f (1-6%\/2)^(2\/12<\/span>)-1=0.494%\uff0c\u770b\u5230\u4e0d\u540c\u4e86\u5427\u3002\uff08\u4e0d\u8fc7\u6ce8\u610f\u4e00\u822c\u53ea\u6709\u56fa\u5b9a\u5229\u7387\u7684\u623f\u8d37\u662f\u534a\u5e74\u8ba1\u7684\uff0c\u6d6e\u52a8\u5229\u7387\u7684\u4e00\u822c\u8fd8\u662f\u6309\u8fd8\u6b3e\u5468\u671f\u8ba1\uff09\u3002<\/p>\n

\u7b2c\u4e8c\u6b65\uff0c\u6bcf\u671f\u8fd8\u6b3e\u989d\u3002<\/strong><\/p>\n

\u6709\u4e86\u5468\u671f\u5229\u7387\u5c31\u53ef\u4ee5\u7b97\u6bcf\u671f\u8fd8\u6b3e\u989d\u4e86\uff0c\u516c\u5f0f\u5982\u4e0b\uff1a<\/p>\n

\"\"<\/p>\n

\u5176\u4e2dA<\/strong>\u662f\u6bcf\u671f\u7684\u8fd8\u6b3e\u91d1\u989d\uff0c P<\/em><\/strong> \u662f\u501f\u6b3e\u603b\u989d\uff08\u623f\u4ef7\u51cf\u9996\u4ed8\uff09\uff0ci<\/em><\/strong> \u662f\u524d\u9762\u7b97\u51fa\u6765\u7684\u5468\u671f\u5229\u7387\uff0cn<\/em><\/strong> \u662f\u8fd8\u6b3e\u5468\u671f\u6570 \uff08\u4f8b\u5982\u5982\u679c\u8ba1\u5212\u6309\u6708\u8fd8\uff0c20\u5e74\u8fd8\u5b8c\uff0c\u90a3\u4e48\u8fd8\u6b3e\u5468\u671f\u6570 n<\/em><\/strong> = 20 X 12 = 420\uff09<\/p>\n

\u94f6\u884c\u6536\u6b3e\u540e\u9996\u5148\u4eceA<\/strong><\/em>\u4e2d\u62ff\u51fa\u672c\u671f\u7684\u5229\u606f\uff0c\u7136\u540e\u5269\u4e0b\u7684\u94b1\u7b97\u4f60\u8fd8\u7684\u672c\u91d1\u3002\u5177\u4f53\u7684\u516c\u5f0f\u63a8\u5bfc\u53bb\u770b\u540e\u9762\u5217\u51fa\u7684\u53c2\u8003\u8d44\u6599\u3002<\/p>\n

\u672a\u5b8c\u5f85\u7eed\u3002\u3002\u3002<\/p>\n

\u53c2\u8003\uff1a Amortization Calculator – Wikipedia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u600e\u4e48\u6837\u624d\u80fd\u4ed8\u6700\u5c11\u7684\u5229\u606f\u662f\u4ffa\u51c6\u623f\u5974\u6700\u5173\u5fc3\u7684\u4e8b\u513f\uff0c\u5230\u5e95\u662f\u62ff\u6d6e\u52a8\u5229\u7387\u597d\uff0c\u8fd8\u662f\u56fa\u5b9a\u5229\u7387\u597d\uff0c3\u5e74\u56fa\u5b9a\u8fd8\u662f5\u5e74\u56fa\u5b9a\u597d\uff0c\u9664\u4e86\u4e2a\u4eba\u5bf9\u5229\u7387\u8d70\u5411\u7684\u9884\u6d4b\uff0c\u8fd8\u5f97\u77e5\u9053\u5229\u606f\u662f\u600e\u6837\u8ba1\u7b97\u7684\u3002\u6700\u8fd1\u521a\u521a\u7814\u7a76\u4e86\u4e00\u4e0b\uff0c\u8ddf\u5927\u5bb6\u5206\u4eab\u4e00\u4e0b\u5fc3\u5f97\u5427\u3002 \u623f\u8d37\u8fd8\u6b3e\u5176\u5b9e\u5c31\u662f\u5206\u671f\u8fd8\u6b3e (amortization)\uff0c\u6bcf\u671f\u8fd8\u6b3e\u91d1\u989d\u76f8\u540c\uff0c\u94f6\u884c\u4ece\u8fd8\u6b3e\u4e2d\u5148\u6263\u5229\u606f\uff0c\u518d\u7b97\u672c\u91d1\u3002(\u4e00\u822c\u4e5f\u5141\u8bb8\u6bcf\u671f\u591a\u4ed8\u4e00\u70b9\uff0c\u591a\u4ed8\u7684\u90e8\u5206\u5168\u90fd\u7b97\u8fd8\u7684\u672c\u91d1\uff0c\u56e0\u4e3a\u5f71\u54cd\u94f6\u884c\u7684\u5229\u606f\u6536\u5165\uff0c\u4e00\u822c\u6709\u9650\u989d\uff0c\u8fd9\u4e2a\u540e\u9762\u518d\u53e6\u8bf4\uff0c\u8fd9\u91cc\u5148\u8003\u8651\u53ea\u8001\u8001\u5b9e\u5b9e\u6309\u65f6\u8fd8\uff0c\u4e0d\u591a\u4ed8\u7684\u60c5\u51b5\u3002\uff09 \u8ba1\u7b97\u8fd8\u6b3e\u91d1\u989d\u5206\u4e24\u6b65\u8d70\uff0c\u4e00\u7b97\u5468\u671f\u5229\u7387\uff0c\u4e8c\u7b97\u5206\u671f\u91d1\u989d\u3002 \u7b2c\u4e00\u6b65\uff0c\u9996\u5148\u8bf4\u5468\u671f\u5229\u7387\u3002 \u901a\u5e38\u94f6\u884c\u7ed9\u7684\u90a3\u4e2a\u767e\u5206\u6570(4%\u554a\uff0c6%\u554a\u4ec0\u4e48\u7684\uff09\u90fd\u8bf4\u662f\u5e74\u5229\u7387\uff0c\u800c\u4ed8\u6b3e\u5468\u671f\u53ef\u4ee5\u662f\u6309\u6708\u4ed8(monthly)\uff0c\u534a\u6708\u4ed8(semi-monthly)\uff0c\u6309\u5468\u4ed8(weekly)\uff0c\u6216\u8005\u53cc\u5468\u4ed8(Bi-weekly)\u3002\u8ba1\u7b97\u5229\u606f\u7684\u65f6\u5019\u9700\u8981\u8ba1\u7b97\u5468\u671f\u5229\u7387\uff0c\u8ba1\u606f\u5468\u671f\u548c\u4ed8\u6b3e\u5468\u671f\u7684\u9009\u62e9\u662f\u4f1a\u5f71\u54cd\u6700\u7ec8\u7684\u5b9e\u9645\u5229\u606f\u7684\u3002\u4e00\u822c\u8ba1\u606f\u5468\u671f\u548c\u4ed8\u6b3e\u5468\u671f\u662f\u76f8\u540c\u7684\uff0c\u8fd9\u79cd\u60c5\u51b5\u4e0b\u8ba1\u606f\u5468\u671f\u7684\u5229\u7387\u7b49\u4e8e\u5e74\u5229\u7387\u9664\u4ee5\u4e00\u5e74\u7684\u671f\u6570\uff0c\u6bd4\u5982\u5e74\u5229\u7387\u662f6%\uff0c\u6309\u6708\u4ed8\u4e00\u5e7412\u671f\uff0c\u5468\u671f\u5229\u7387\u5c31\u662f6%\/12=0.5%\u3002\u4f46\u662f\u6709\u4e9b\u60c5\u51b5\u4e0b\uff0c\u6bd4\u5982\u52a0\u62ff\u5927\u7684\u623f\u8d37\u6709\u4e9b\u662f\u534a\u5e74\u8ba1\u606f\u7684\uff0c\u4e5f\u5c31\u662f\u8bf4\u4e00\u5e74\u8ba1\u4e24\u6b21\uff0c\u800c\u8fd8\u6b3e\u8fd8\u662f\u53ef\u4ee5\u9009\u4e0d\u540c\u5468\u671f\uff0c\u8fd9\u6837\u8ba1\u606f\u5468\u671f\u4e0e\u8fd8\u6b3e\u5468\u671f\u4e0d\u540c\uff0c\u5468\u671f\u5229\u7387\u5c31\u4e0e\u524d\u9762\u7684\u8ba1\u7b97\u7a0d\u6709\u4e0d\u540c\u3002 \u5468\u5176\u5229\u7387\u7684\u8ba1\u7b97\u516c\u5f0f\u662f\uff1a \u5176\u4e2d \u662f\u94f6\u884c\u7ed9\u7684\u5e74\u5229\u7387\uff0cc\u662f\u6bcf\u5e74\u7684\u8ba1\u606f\u5468\u671f\u6570\uff0cp\u662f\u6bcf\u5e74\u8fd8\u6b3e\u5468\u671f\u6570\u3002 \u6bd4\u5982\u8fd8\u662f\u5e74\u5229\u73876%\uff0c\u6bcf\u534a\u5e74\u8ba1\u606f\uff08\u5728\u5f88\u591a\u52a0\u62ff\u5927\u94f6\u884c\u7684\u7f51\u7ad9\u7ecf\u5e38\u4f1a\u770b\u5230\u4e00\u53e5 Rate calculated semi-annually, not in advance\u5c31\u662f\u8fd9\u4e2a\u610f\u601d\uff09\uff0c\u6bcf\u5e74\u7684\u8ba1\u606f\u5468\u671f\u5c31\u662f2\uff0c\u8fd8\u662f\u6309\u6708\u8fd8\u6b3e\uff0c\u6bcf\u5e74\u7684\u8fd8\u6b3e\u5468\u671f\u662f12, \u90a3\u4e48\u5468\u671f\u5229\u7387\u5c31\u662f (1-6%\/2)^(2\/12)-1=0.494%\uff0c\u770b\u5230\u4e0d\u540c\u4e86\u5427\u3002\uff08\u4e0d\u8fc7\u6ce8\u610f\u4e00\u822c\u53ea\u6709\u56fa\u5b9a\u5229\u7387\u7684\u623f\u8d37\u662f\u534a\u5e74\u8ba1\u7684\uff0c\u6d6e\u52a8\u5229\u7387\u7684\u4e00\u822c\u8fd8\u662f\u6309\u8fd8\u6b3e\u5468\u671f\u8ba1\uff09\u3002 \u7b2c\u4e8c\u6b65\uff0c\u6bcf\u671f\u8fd8\u6b3e\u989d\u3002 \u6709\u4e86\u5468\u671f\u5229\u7387\u5c31\u53ef\u4ee5\u7b97\u6bcf\u671f\u8fd8\u6b3e\u989d\u4e86\uff0c\u516c\u5f0f\u5982\u4e0b\uff1a \u5176\u4e2dA\u662f\u6bcf\u671f\u7684\u8fd8\u6b3e\u91d1\u989d\uff0c P \u662f\u501f\u6b3e\u603b\u989d\uff08\u623f\u4ef7\u51cf\u9996\u4ed8\uff09\uff0ci \u662f\u524d\u9762\u7b97\u51fa\u6765\u7684\u5468\u671f\u5229\u7387\uff0cn \u662f\u8fd8\u6b3e\u5468\u671f\u6570 \uff08\u4f8b\u5982\u5982\u679c\u8ba1\u5212\u6309\u6708\u8fd8\uff0c20\u5e74\u8fd8\u5b8c\uff0c\u90a3\u4e48\u8fd8\u6b3e\u5468\u671f\u6570 n = 20 X 12 = 420\uff09 \u94f6\u884c\u6536\u6b3e\u540e\u9996\u5148\u4eceA\u4e2d\u62ff\u51fa\u672c\u671f\u7684\u5229\u606f\uff0c\u7136\u540e\u5269\u4e0b\u7684\u94b1\u7b97\u4f60\u8fd8\u7684\u672c\u91d1\u3002\u5177\u4f53\u7684\u516c\u5f0f\u63a8\u5bfc\u53bb\u770b\u540e\u9762\u5217\u51fa\u7684\u53c2\u8003\u8d44\u6599\u3002 \u672a\u5b8c\u5f85\u7eed\u3002\u3002\u3002 \u53c2\u8003\uff1a Amortization Calculator – Wikipedia<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/posts\/165"}],"collection":[{"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/comments?post=165"}],"version-history":[{"count":3,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/posts\/165\/revisions"}],"predecessor-version":[{"id":193,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/posts\/165\/revisions\/193"}],"wp:attachment":[{"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/media?parent=165"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/categories?post=165"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prglab.com\/blog\/wp-json\/wp\/v2\/tags?post=165"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}