PV = PMT + PMT /(1+r) + PMT /(1+r) ^2 + … + PMT/(1+r)^(n-1) = PMT(1 + 1/(1+r) + 1/(1+r)^2 + ... + 1/(1+r)^(n-1)) = PMT * (1-1/(1+r)^n)/r PMT = PV * r / (1 - 1/(1+r)^n) 範例: 利率1.84 的30 年房貸 5,000,000 元, 每期給付額 PMT = 5,000,000 * (1.84%/12) /(1 - 1/(1+(1.84%/12))^30*12) = 5,000,000 * 0.15%/(1-1/(1+0.15%)^360) = 5,000,000 * 0.15%/(1-1/(1.0015)^360) = 5,000,000 * 0.15%/(1-1/1.7153) = 5,000,000 * 0.15%/(1-0.5829) = 5,000,000 * 0.15%/0.417 = 5,000,000 * 0.0035 = 18,083
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