建设银行信用卡分期还款分析表
信用卡还款明细模板
利息总和01.11-2.10卡号信用额度可用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.002.11-3.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.003.11-4.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.004.11-5.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.005.11-6.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款2016年信用卡记录农业银行交通银行河北银行0.000.000.000.000.000.000.00 6.11-7.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.00 7.11-8.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还还款日期本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.000.000.00 8.11-9.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还金额本月新增账款建设银行农业银行交通银行河北银行0.000.000.000.000.009.11-10.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还金额本月新增账款建设银行农业银行0.000.000.000.000.0010.11-11.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还金额本月新增账款建设银行农业银行交通银行0.000.000.000.000.0011.11-12.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还金额本月新增账款建设银行农业银行交通银行0.000.000.000.000.00 12.11-1.10卡片归属卡号剩余额度信用额度本期账单余额本期最低还款本期已还金额本月新增账款建设银行农业银行交通银行0.000.000.000.000.00。
贷款分期偿还计划表Excel模板
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 2 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 3 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 4 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利 NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 6 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 7 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 8 of 9
PMT NO 还款日期
期初余额
计划的还款
额外还款
还款总额
本金
利息
期终余额
累积利息
Page 9 of 9
¥0.00 ¥0.00
本金
¥509.08 ¥510.78 ¥512.48 ¥514.19 ¥515.90 ¥517.62 ¥519.35 ¥521.08 ¥522.82 ¥355.50
贷款分期还款额速查表
等额本金 133.43 135.47 137.51 139.55 141.59 143.63 145.68 147.72 149.76 151.80 153.84 155.88 157.93 159.97 162.01 164.05 166.09 168.13 170.18 172.22 174.26 等额本息 105.58 106.78 107.98 109.20 110.42 111.65 112.89 114.13 115.39 116.65 117.92 119.20 120.48 121.78 123.08 124.39 125.70 127.03 128.36 129.70 131.05 10 等额本金 124.17 126.21 128.25 130.29 132.33 134.38 136.42 138.46 140.50 142.54 144.58 146.63 148.67 150.71 152.75 154.79 156.83 158.88 160.92 162.96 165.00 11 等额本息 98.15 99.36 100.59 101.82 103.06 104.31 105.57 106.83 108.11 109.39 110.68 111.99 113.29 114.61 115.94 117.27 118.62 119.97 121.33 122.69 124.07 11 等额本金 116.59 118.63 120.67 122.72 124.76 126.80 128.84 130.88 132.92 134.97 137.01 139.05 141.09 143.13 145.17 147.22 149.26 151.30 153.34 155.38 157.42 等额本息 91.99 93.22 94.46 95.71 96.97 98.2
excel现值、终值、分期付款、利率及还款期共6页文档
一、现值计算PV、FV、PMT、RATE、NPER在Excel中，计算现值的函数是PV，其语法格式为：PV（rate，nper，pmt，[fv]，[type]）。
其中：参数rate为各期利率，参数nper为投资期（或付款期）数，参数pmt为各期支付的金额。
省略pmt参数就不能省略fv参数；fv参数为未来值，省略fv参数即假设其值为0，也就是一笔贷款的未来值为零，此时不能省略pmt参数。
type参数值为1或0，用以指定付款时间是在期初还是在期末，如果省略type则假设值为0，即默认付款时间在期末。
案例1：计算复利现值。
某企业计划在5年后获得一笔资金1000000元，假设年投资报酬率为10%，问现在应该一次性地投入多少资金？在Excel工作表的单元格中录入：=PV（10%，5，0，-1000000），回车确认，结果自动显示为620921.32元。
案例2：计算普通年金现值。
购买一项基金，购买成本为80000元，该基金可以在以后20年内于每月月末回报600元。
若要求的最低年回报率为8%，问投资该项基金是否合算？在Excel工作表的单元格中录入：=PV（8%/12，12*20，-600），回车确认，结果自动显示为71732.58元。
71732.58元为应该投资金额，如果实际购买成本要80000元，那么投资该项基金是不合算的。
案例3：计算预付年金现值。
有一笔5年期分期付款购买设备的业务，每年年初付500000元，银行实际年利率为6%.问该项业务分期付款总额相当于现在一次性支付多少价款？在Excel工作表的单元格中录入：=PV（6%，5，-500000，0，1），回车确认，结果自动显示为2232552.81元。
即该项业务分期付款总额相当于现在一次性支付2232552.81元。
二、净现值计算在Excel中，计算净现值的函数是NPV，其语法格式为：NPV（rate，value1，value2，……）。
Rate为某一期间的固定贴现率；Value1，value2，……为一系列现金流，代表支出或收入。
贷款计算,等额本金、等额本息(excel表格,任意输入汇总)
分期偿还贷款分析表-等额本息利率 5.64%还款年限25贷款金额贷款期数期初尚欠余额每期应缴金额其中利息其中本金第001期14000008710.459076574.1666672136.292404第002期1397863.7088710.459076564.1349942146.324077第003期1395717.3848710.459076554.0562132156.402857第004期1393560.9818710.459076543.9301052166.528965第005期1391394.4528710.459076533.7564462176.702624第006期1389217.7498710.459076523.5350132186.924057第007期1387030.8258710.459076513.2655822197.193488第008期1384833.6328710.459076502.9479282207.511142第009期1382626.128710.459076492.5818242217.877247第010期1380408.2438710.459076482.1670422228.292029第011期1378179.9518710.459076471.7033542238.755717第012期1375941.1958710.459076461.190532249.26854第013期1373691.9278710.459076450.628342259.83073第014期1371432.0968710.459076440.0165512270.442519第015期1369161.6548710.459076429.3549322281.104139第016期1366880.5498710.459076418.6432472291.815823第017期1364588.7348710.459076407.8812622302.577809第018期1362286.1568710.459076397.068742313.39033第019期1359972.7668710.459076386.2054452324.253626第020期1357648.5128710.459076375.2911372335.167933第021期1355313.3448710.459076364.3255782346.133493第022期1352967.218710.459076353.3085262357.150545第023期1350610.068710.459076342.239742368.219331第024期1348241.8418710.459076331.1189762379.340094第025期1345862.58710.459076319.9459922390.513078第026期1343471.9878710.459076308.7205412401.738529第027期1341070.2498710.459076297.4423772413.016693第028期1338657.2328710.459076286.1112532424.347818第029期1336232.8848710.459076274.7269192435.732151第030期1333797.1528710.459076263.2891272447.169943第031期1331349.9828710.459076251.7976252458.661445第032期1328891.3218710.459076240.2521612470.20691第033期1326421.1148710.459076228.6524812481.80659第034期1323939.3078710.459076216.9983312493.46074第035期1321445.8478710.459076205.2894552505.169616第036期1318940.6778710.459076193.5255962516.933475第037期1316423.7438710.459076181.7064962528.752575第038期1313894.9918710.459076169.8318952540.627175第039期1311354.3648710.459076157.9015332552.557537第040期1308801.8068710.459076145.9151482564.543922第041期1306237.2628710.459076133.8724772576.586593第042期1303660.6768710.459076121.7732562588.685814第043期1301071.998710.459076109.6172192600.841851第044期1298471.1488710.459076097.4040992613.054971第045期1295858.0938710.459076085.1336292625.325442第046期1293232.7688710.459076072.8055382637.653532第047期1290595.1148710.459076060.4195572650.039514第048期1287945.0758710.459076047.9754132662.483658第049期1285282.5918710.459076035.4728332674.986237第050期1282607.6058710.459076022.9115442687.547527第051期1279920.0578710.459076010.2912682700.167802第052期1277219.8898710.459075997.611732712.84734第053期1274507.0428710.459075984.8726512725.586419第054期1271781.4568710.459075972.0737522738.385318第055期1269043.078710.459075959.2147512751.24432第056期1266291.8268710.459075946.2953662764.163704第057期1263527.6628710.459075933.3153142777.143756第058期1260750.5188710.459075920.274312790.184761第059期1257960.3348710.459075907.1720672803.287003第060期1255157.0478710.459075894.0082992816.450772第061期1252340.5968710.459075880.7827152829.676355第062期1249510.928710.459075867.4950272842.964044第063期1246667.9568710.459075854.1449412856.314129第064期1243811.6418710.459075840.7321662869.726904第065期1240941.9158710.459075827.2564072883.202663第066期1238058.7128710.459075813.7173682896.741703第067期1235161.978710.459075800.1147522910.344319第068期1232251.6268710.459075786.448262924.010811第069期1229327.6158710.459075772.7175922937.741478第070期1226389.8748710.459075758.9224482951.536622第071期1223438.3378710.459075745.0625242965.396546第072期1220472.948710.459075731.1375162979.321554第073期1217493.6198710.459075717.1471182993.311952第074期1214500.3078710.459075703.0910243007.368046第075期1211492.9398710.459075688.9689253021.490145第076期1208471.4498710.459075674.7805113035.678559第077期1205435.778710.459075660.5254713049.9336第078期1202385.8378710.459075646.2034913064.25558第079期1199321.5818710.459075631.8142573078.644813第080期1196242.9368710.459075617.3574543093.101616第081期1193149.8358710.459075602.8327653107.626306第082期1190042.2088710.459075588.2398693122.219201第083期1186919.9898710.459075573.5784483136.880622第084期1183783.1088710.459075558.848183151.610891第085期1180631.4978710.459075544.048743166.41033第086期1177465.0878710.459075529.1798053181.279265第087期1174283.8088710.459075514.2410483196.218022第088期1171087.598710.459075499.2321413211.22693第089期1167876.3638710.459075484.1527543226.306316第090期1164650.0578710.459075469.0025583241.456513第091期1161408.68710.459075453.7812183256.677852第092期1158151.9228710.459075438.4884023271.970669第093期1154879.9528710.459075423.1237733287.335298第094期1151592.6168710.459075407.6869943302.772076第095期1148289.8448710.459075392.1777273318.281343第096期1144971.5638710.459075376.5956313333.86344第097期1141637.6998710.459075360.9403643349.518707第098期1138288.1818710.459075345.2115823365.247488第099期1134922.9338710.459075329.4089413381.05013第100期1131541.8838710.459075313.5320933396.926978第101期1128144.9568710.459075297.580693412.87838第102期1124732.0788710.459075281.5543823428.904688第103期1121303.1738710.459075265.4528173445.006253第104期1117858.1678710.459075249.2756423461.183429第105期1114396.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1295858.093 1293232.768 1290595.114 1287945.075 1285282.591 1282607.605 1279920.057 1277219.889 1274507.042 1271781.456 1269043.07 1266291.826 1263527.662 1260750.518 1257960.334 1255157.047 1252340.596 1249510.92 1246667.956 1243811.641 1240941.915 1238058.712 1235161.97 1232251.626 1229327.615 1226389.874 1223438.337 1220472.94 1217493.619 1214500.307 1211492.939 1208471.449 1205435.77 1202385.837 1199321.581 1196242.936 1193149.835 1190042.208 1186919.989 1183783.108 1180631.497 1177465.087 1174283.808 1171087.59 1167876.363 1164650.0571158151.922 1154879.952 1151592.616 1148289.844 1144971.563 1141637.699 1138288.181 1134922.933 1131541.883 1128144.956 1124732.078 1121303.173 1117858.167 1114396.983 1110919.547 1107425.781 1103915.609 1100388.953 1096845.737 1093285.883 1089709.312 1086115.946 1082505.707 1078878.514 1075234.289 1071572.951 1067894.42 1064198.615 1060485.455 1056754.859 1053006.745 1049241.03 1045457.632 1041656.467 1037837.453 1034000.506 1030145.541 1026272.474 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Excel数据管理与图表分析 典型案例—还款分析表
Excel 数据管理与图表分析 典型案例—还款分析表 还款分析表是根据贷款的金额、年限和利率，来计算每期需要偿还银行的本金和利息。
本例将分别使用Excel 中的IPMT 函数和PPMT 函数来计算偿还的利息和本金，并通过条形图来展示每期需要偿还的本金和利息。
1．练习要点：● 设置单元格格式● 函数的应用● 插入图表2．操作步骤：（1）在A1单元格中，输入“还款分析表”文字。
然后，合并A1至C1单元格区域，并设置字体格式，如图6-47所示。
图6-47 设置字体格式提 示右击标题文字，在弹出的【浮动工具栏】中，设置【字体】为“隶书”；【字号】为20。
（2）在A2至C3单元格区域中，输入已知条件信息，设置B3单元格的【数字格式】为“百分比”。
然后，在A5至C5单元格区域中，输入各字段名信息，如图6-48所示。
单击设置 效果图6-48 输入字段信息（3）在A6至A13单元格中，输入年份信息。
然后，选择B6单元格，在【插入函数】对话框的【财务】类别中，选择IPMT 函数，如图6-49所示。
图6-49 选择函数（4）在【函数参数】对话框中，设置参数Rate 为B3；Per 为A6；Nper 为C3；Pv 为A3，单击【确定】按钮，即可得到第１年的偿还利息，如图6-50所示。
图6-50 设置函数参数提 示 使用同样方法，得到该列其他年份的偿还利息。
（5）选择C6单元格，输入“=PPMT($B$3,A6,$C$3,$A$3)”公式，并按Enter 键，即可得到第1年偿还的本金，如图6-51所示。
设置效果 选择 选择设置结果图6-51 计算偿还本金提 示向下拖动C6单元格中的填充柄至C13单元格中，即可得到该列的值。
（6）选择A2至C3和A5和C13单元格区域，单击【字体】组中的【边框】下拉按钮，执行【所有边框】命令。
然后，单击【对齐方式】组中的【居中】按钮，如图6-52所示。
图6-52 设置边框（7）在【设置单元格格式】对话框中的【填充】选项卡中，设置【背景色】为“橙色，强调文字颜色6，淡色60%”；【图案颜色】为“白色，背景1”；【图案样式】为“6.25% 灰色”，如图6-53所示。
信用卡分期等额还款表
每月等额还款 账单日 累计还本 662.92 1,325.84 1,988.76 2,651.67 3,314.59 3,977.51
¥662.92 每月1号 累计还息 167.06 167.06 167.06 167.06 167.06 167.06
备注 账单分期 备注
一次性收取手续费， 应还款￥829.98
每月等额还款 账单日 累计还本 1,250.00 2,500.00 3,750.00 5,000.00 6,250.00 7,500.00 8,750.00 10,000.00 11,250.00 12,500.00 Biblioteka 3,750.00 15,000.00
¥1,362.50 每月15号 累计还息 112.50 225.00 337.50 450.00 562.50 675.00 787.50 900.00 1,012.50 1,125.00 1,237.50 1,350.00
备注 现金分期 备注
出借方 兴业银行信用卡 贷款本金 ¥3,977.51 期数 1 日期 2014/8/21
放款日期 贷款期数 剩余本金 3314.59
等额本金还款法计划表 2014/8/2 还款日期 2015/1/21 6 利率 0.75% 还款计划表 还款总额 本金 利息 829.98 662.92 167.06
等额本金还款法计划表 出借方 建设银行信用卡 放款日期 2014/7/15 还款日期 2014/7/7 贷款本金 ¥9,090.00 贷款期数 12 利率 0.60% 还款计划表 期数 日期 剩余本金 还款总额 本金 利息 1 2014/8/7 8332.50 812.04 757.50 54.54 2 2014/9/7 7575.00 1624.08 757.50 54.54 3 2014/10/7 6817.50 2436.12 757.50 54.54 4 2014/11/7 6060.00 3248.16 757.50 54.54 5 2014/12/7 5302.50 4060.20 757.50 54.54 6 2015/1/7 4545.00 4872.24 757.50 54.54 7 2015/2/7 3787.50 5684.28 757.50 54.54 8 2015/3/7 3030.00 6496.32 757.50 54.54 9 2015/4/7 2272.50 7308.36 757.50 54.54 10 2015/5/7 1515.00 8120.40 757.50 54.54 11 2015/6/7 757.50 8932.44 757.50 54.54 12 2015/7/7 0.00 9744.48 757.50 54.54 注:紫色栏为数据输入项,黄色栏为相应数据显示项,请勿在黄色栏输入数据.
银行等额本息和等额本金还款法月供款明细计算表
2016年1月20日 0.00655000 2016年2月20日 0.00655000 2016年3月20日 0.00655000 2016年4月20日 0.00655000 2016年5月20日 0.00655000 2016年6月20日 0.00655000 2016年7月20日 0.00655000 2016年8月20日 0.00655000 2016年9月20日 0.00655000
2016年10月20日 0.00655000 2016年11月20日 0.00655000 2016年12月20日 0.00655000
100,000.08 40,815.57 104,166.75 42,169.24 108,333.42 43,409.19 112,500.09 44,706.45 116,666.76 45,934.57 120,833.43 47,175.43 125,000.10 48,348.97 129,166.77 49,533.43 133,333.44 50,689.69 137,500.11 51,781.36 141,666.78 52,881.21 145,833.45 53,918.29 150,000.12 54,961.74 154,166.79 55,976.99 158,333.46 56,868.52 162,500.13 57,827.37 166,666.80 58,727.99
2017年1月20日 0.00655000 2017年2月20日 0.00655000 2017年3月20日 0.00655000 2017年4月20日 0.00655000 2017年5月20日 0.0065本金还款法”月供明细表