Python numpy.pmt()

numpy.pmt(rate, nper, pv, fv, when = ‘end’) :这个金融函数帮助用户按照本金和利息计算支付值。

参数 :
rate: [标量或(M, )数组] 每期的利率为小数(不是百分比)。
nper : [标量或(M, )数组]总复利期数
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 : 付款价值

求解方程：

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

代码:

# Python program explaining 
# pmt() function 
  
import numpy as np 
  
''' 
Question : 
  
monthly payment needed to pay off a $10, 000 loan
in 12 years at an annual interest rate of 10 %
'''
  
# rate np  pv 
Solution = np.pmt(0.10 / 12, 12 * 12,  10, 000) 
  
# Here fv = 0 ; Also Default value of fv = 0 
print("Solution : ", Solution) 

输出:

Solution :  -0.1195078262827336