algorithm - 房屋贷款计算公式(算法)？

Question

银行如何计算房屋贷款的还款额？

例如，

$1,000,000 at 5.00% over a 25 year period.Monthly payment: $5,845.90              Current Payment                                 To DatePayment  --------------------------        ----------------------------------------------Number   Interest         Principal        Interest Paid    Principal Paid    Balance1        $4,166.67        $1,679.23        $4,166.67        $1,679.23         $998,320.772        $4,159.67        $1,686.23        $8,326.34        $3,365.46         $996,634.543        $4,152.64        $1,693.26        $12,478.98       $5,058.72         $994,941.284        $4,145.59        $1,700.31        $16,624.57       $6,759.03         $993,240.975        $4,138.50        $1,707.40        $20,763.07       $8,466.43         $991,533.576        $4,131.39        $1,714.51        $24,894.46       $10,180.94        $989,819.067        $4,124.25        $1,721.65        $29,018.71       $11,902.59        $988,097.418        $4,117.07        $1,728.83        $33,135.78       $13,631.42        $986,368.589        $4,109.87        $1,736.03        $37,245.65       $15,367.45        $984,632.5510       $4,102.64        $1,743.26        $41,348.29       $17,110.71        $982,889.29

我试图在 Excel 中进行相同的计算，但我得到了另一个数字...

Answer 1

算法得到很好的展示和讨论 here (在 Javascript 中)——在 Excel 的 VBA、Javascript、Ruby 等中实现完全相同的算法，您将获得几乎相同的结果!-)