If we will borrow the money in bank, discussion moment how much do instalment to be paid per month its of the loan we do, usually we is given or simply showed by the containing paper sheet of lines line of level of loan, a period of loan and level of instalment to be paid per month its. big Wrong if not the loan as described there the amount of hims in five millions fold or ten million.
By using function on the application MS Excel, we can make calculation of level of instalment to be paid its month;moon to each;every loans amount to be taken, including the loans amount don't written in the paper given by bank. Possible there are some ways calculation of instalment, and the I write here – according to my knowledge– at most used, for example BCA, Bank Mandiri, and BII.his Case example of, we will borrow the money equal to Rp 45.000.000,00 to a period of/to loan of 5 year. The flower applying at that moment for example 16% per year. For example we write down each this value in cell [at] worksheet MS Excel.
A1 = 45000000 A2 = 5 A3 = 16%
Calculation result of level of instalment we will put down [at] cell A5, hence to cell A5 we enter formula following:
= PMT(A3/12;A2)
The calculation will yield the negative value, because seen from the aspect of approach we [release] the money.From got level of instalment, possibly we wish to know the level of loan fundamental in the instalment we pay [for]. For example we will put down his calculation result [at] cell A6, formula which is to be enterred:
= PPMT(A3/12;INSTALMENT_TO;A2)
Instalment to we change with number 1, 2, 3 and so on refer instalment first, second, third and so on.
paid level of Flower, we can calculate direct from level of instalment lessened by the loan fundamental paid. If counted by using function at]MS Excel, formula enterred as follows:
= IPMT(A3/12;INSTALMENT_TO;A2)
If we pay attention with situation of exact interest, amount of instalment will [is] same to [be] its monthly, big [of] loan fundamental will progressively go up and paid flower will progressively go down to each;every his monthly instalment. Following I enclose the file MS Excel for the calculation.
Bank Mandiri
Loan 40.000.000
Rate 12.25%
Duration 10 Years
Final Years 69.561.353,99
By using function on the application MS Excel, we can make calculation of level of instalment to be paid its month;moon to each;every loans amount to be taken, including the loans amount don't written in the paper given by bank. Possible there are some ways calculation of instalment, and the I write here – according to my knowledge– at most used, for example BCA, Bank Mandiri, and BII.his Case example of, we will borrow the money equal to Rp 45.000.000,00 to a period of/to loan of 5 year. The flower applying at that moment for example 16% per year. For example we write down each this value in cell [at] worksheet MS Excel.
A1 = 45000000 A2 = 5 A3 = 16%
Calculation result of level of instalment we will put down [at] cell A5, hence to cell A5 we enter formula following:
= PMT(A3/12;A2)
The calculation will yield the negative value, because seen from the aspect of approach we [release] the money.From got level of instalment, possibly we wish to know the level of loan fundamental in the instalment we pay [for]. For example we will put down his calculation result [at] cell A6, formula which is to be enterred:
= PPMT(A3/12;INSTALMENT_TO;A2)
Instalment to we change with number 1, 2, 3 and so on refer instalment first, second, third and so on.
paid level of Flower, we can calculate direct from level of instalment lessened by the loan fundamental paid. If counted by using function at]MS Excel, formula enterred as follows:
= IPMT(A3/12;INSTALMENT_TO;A2)
If we pay attention with situation of exact interest, amount of instalment will [is] same to [be] its monthly, big [of] loan fundamental will progressively go up and paid flower will progressively go down to each;every his monthly instalment. Following I enclose the file MS Excel for the calculation.
Bank Mandiri
Loan 40.000.000
Rate 12.25%
Duration 10 Years
Final Years 69.561.353,99
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