Python numpy.nper()

numpy.pmt(rate, pmt, pv, fv, when = ‘end’) :这个财务函数帮助用户计算定期付款的数量。

参数 :
rate :[标量或(M,)数组] 每期的利率为小数(不是百分比)。
pmt :[标量或(M,)阵列] 支付值
fv :[标量或(M, )数组] 未来值
pv :[标量或(M, )数组] 现值
when :在每个周期的开始（when = {‘begin’, 1}）或结束（when = {‘end’, 0}）。默认是{‘end’, 0}。

返回 :定期付款的数量。

求解方程:

fv + pv*(1+rate)nper + pmt*(1+rate*when)/rate*((1+rate)nper – 1) == 0

或 当率==0时
fv + pv + pmt * nper == 0

代码:

# Python program explaining 
# pmt() function 
  
import numpy as np 
  
''' 
Question : 
  
how much time would it take to pay-off a loan of 
10, 000 at 10 % annual rate of interest, if we had 100 to pay each month ? 
'''
  
# rate    pmt    pv 
Solution = np.nper(0.1 / 12, -100, 10000) 
  
# Here fv = 0 ; Also Default value of fv = 0 
print("Solution - No. of periods : % f months" %(Solution)) 

输出:

Solution - No. of periods : 215.905777 months