Returns the payment on the principal for a given period for an investment based on periodic, constant payments and a constant interest rate.
Składnia
PPMT(rate, per, nper, pv, [fv], [type])Argumenty
ratewymagane
The interest rate per period.
perwymagane
The period for which you want to find the principal payment (must be in the range 1 to nper).
nperwymagane
The total number of payment periods in an investment.
pvwymagane
The present value, or the total amount that a series of future payments is worth now.
fvopcjonalne
The future value or a cash balance you want to attain after the last payment is made (defaults to 0).
typeopcjonalne
The number 0 or 1 and indicates when payments are due (0 = end of period, 1 = beginning of period).
The PPMT function calculates the principal portion of a loan payment for a specific period. It assumes that the interest rate and payment amounts remain constant throughout the life of the loan.
=PPMT(0.05/12, 1, 36, 10000)→-260.44Calculates the principal portion of the first payment for a $10,000 loan at 5% annual interest over 36 months.
Identify loan parameters
Gather the annual interest rate, total number of months, and the total loan amount.
Apply the PPMT function
Enter the rate (divided by 12 for monthly), the specific period, total periods, and the present value into the formula.
In Excel financial functions, cash outflows (payments) are represented as negative numbers.