{"id":12318,"date":"2025-01-15T08:04:37","date_gmt":"2025-01-15T08:04:37","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/ham-tai-chinh-pmt-trong-excel-ung-dung-de-tinh-cac-khoan-no-phai-tra-hang-thang-cho-mot-khoan-vay\/"},"modified":"2025-01-15T08:04:37","modified_gmt":"2025-01-15T08:04:37","slug":"ham-tai-chinh-pmt-trong-excel-ung-dung-de-tinh-cac-khoan-no-phai-tra-hang-thang-cho-mot-khoan-vay","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2025\/01\/15\/ham-tai-chinh-pmt-trong-excel-ung-dung-de-tinh-cac-khoan-no-phai-tra-hang-thang-cho-mot-khoan-vay\/","title":{"rendered":"H\u00e0m t\u00e0i ch\u00ednh PMT trong excel, \u1ee9ng d\u1ee5ng \u0111\u1ec3 t\u00ednh c\u00e1c kho\u1ea3n n\u1ee3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng cho m\u1ed9t kho\u1ea3n vay"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<p style=\"text-align: justify\"><strong>N\u1ebfu b\u1ea1n s\u1eafp mua nh\u00e0 ho\u1eb7c mua \u00f4 t\u00f4 m\u00e0 ph\u1ea3i vay m\u01b0\u1ee3n ng\u00e2n h\u00e0ng th\u00ec h\u00e0m t\u00e0i ch\u00ednh PMT l\u00e0 h\u00e0m h\u1eefu d\u1ee5ng cho b\u1ea1n \u0111\u1ec3 t\u00ednh s\u01a1 l\u01b0\u1ee3c c\u00e1c kho\u1ea3n n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng \u0111\u1ec3 c\u00e2n \u0111\u1ed1i t\u00e0i ch\u00ednh v\u1edbi c\u00e1c kho\u1ea3n thu nh\u1eadp c\u1ee7a b\u1ea1n<em>.<\/em><\/strong><\/p>\n<p style=\"text-align: justify\">V\u00ed d\u1ee5. <em>B\u00e1ch chu\u1ea9n b\u1ecb mua m\u1ed9t con Honda Civic 2017 gi\u00e1 990 tri\u1ec7u \u0111\u1ed3ng, nh\u00e0 Vietcombank cho B\u00e1ch m\u01b0\u1ee3n 700 tri\u1ec7u \u0111\u1ed3ng trong 10 n\u0103m, l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng cho kho\u1ea3n vay c\u1ee7a B\u00e1ch l\u00e0 10% m\u1ed9t n\u0103m, v\u1eady B\u00e1ch ph\u1ea3i tr\u1ea3 c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i m\u1ed9t kho\u1ea3n \u0111\u1ec1u nhau h\u00e0ng th\u00e1ng trong 10 n\u0103m l\u00e0 bao nhi\u00eau?<\/em><\/p>\n<p style=\"text-align: justify\">\u0110\u1ec3 t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng, B\u00e1ch s\u1eed d\u1ee5ng h\u00e0m PMT nh\u01b0 sau<\/p>\n<p style=\"text-align: justify\"><strong>=PMT(L\u00e3i su\u1ea5t,K\u1ef3 h\u1ea1n,S\u1ed1 ti\u1ec1n vay,S\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i k\u1ef3 cu\u1ed1i,1)=MPT(10%\/12,10*12,700000000,0,0)<\/strong><\/p>\n<p style=\"text-align: justify\">Trong \u0111\u00f3:<\/p>\n<ul style=\"text-align: justify\">\n<li><strong>10%\/12:<\/strong> L\u00e3i su\u1ea5t m\u1ed9t th\u00e1ng<\/li>\n<li><strong>10*12:<\/strong> S\u1ed1 th\u00e1ng B\u00e1ch ph\u1ea3i tr\u1ea3 n\u1ee3 trong 10 n\u0103m<\/li>\n<li><strong>700,000,000:<\/strong> S\u1ed1 ti\u1ec1n B\u00e1ch vay<\/li>\n<li><strong>0:<\/strong> S\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i t\u1ea1i k\u1ef3 cu\u1ed1i B\u00e1ch ph\u1ea3i tr\u1ea3, do h\u1ebft n\u1ee3 n\u00ean = 0<\/li>\n<li><strong>0:<\/strong> B\u00e1ch tr\u1ea3 l\u00e3i v\u00e0o cu\u1ed1i th\u00e1ng, n\u1ebfu B\u00e1ch tr\u1ea3 l\u00e3i v\u00e0o \u0111\u1ea7u th\u00e1ng th\u00ec \u0111\u00e2y l\u00e0 1.<\/li>\n<\/ul>\n<p style=\"text-align: justify\">\u1ea2nh minh h\u1ecda:<\/p>\n<figure id=\"attachment_3531\" aria-describedby=\"caption-attachment-3531\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3531 size-full\" src=\"https:\/\/blog.hocexcel.online\/wp-content\/uploads\/2017\/03\/%E1%BA%A2nh-ch%E1%BB%A5p-M%C3%A0n-h%C3%ACnh-2017-03-29-l%C3%BAc-16.29.46.png\" alt=\"\" width=\"600\" height=\"420\"><figcaption id=\"caption-attachment-3531\" class=\"wp-caption-text\">H\u01b0\u1edbng d\u1eabn s\u1eed d\u1ee5ng h\u00e0m PMT \u0111\u1ec3 t\u00ednh kho\u1ea3n n\u1ee3 ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng<\/figcaption><\/figure>\n<p>V\u1edbi kho\u1ea3n vay 700 tri\u1ec7u, trong 10 n\u0103m v\u1edbi l\u00e3i su\u1ea5t 10% th\u00ec h\u00e0ng th\u00e1ng B\u00e1ch ph\u1ea3i b\u1ecf ra h\u01a1n 9 tri\u1ec7u \u0111\u1ec3 tr\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 k\u00e9o d\u00e0i li\u00ean t\u1ee5c trong 10 n\u0103m, \u0111\u00e2y l\u00e0 kho\u1ea3n n\u1ee3 kh\u00e1 l\u1edbn so v\u1edbi thu nh\u1eadp c\u1ee7a B\u00e1ch n\u00ean ph\u01b0\u01a1ng \u00e1n B\u00e1ch ch\u1ecdn l\u00e0 th\u00f4i mua xe v\u00e0 \u0111i thu\u00ea xe n\u1ebfu c\u1ea7n \u0111i xa.<\/p>\n<p>Tuy nhi\u00ean, g\u1ea7n \u0111\u00e2y B\u00e1ch c\u00f3 \u0111\u1ec3 \u00fd c\u00e1c ng\u00e2n h\u00e0ng chuy\u1ec3n sang t\u00ednh theo ph\u01b0\u01a1ng \u00e1n g\u1ed1c tr\u1ea3 m\u1ed9t kho\u1ea3n \u0111\u1ec1u nhau, c\u00f2n l\u1ea1i t\u00ednh l\u00e3i cho th\u00e1ng ti\u1ebfp theo, c\u1ed9ng g\u1ed1c v\u00e0 l\u00e3i ra s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng. Theo ph\u01b0\u01a1ng \u00e1n n\u00e0y th\u00ec th\u1eddi \u0111i\u1ec3m \u0111\u1ea7u b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 kho\u1ea3n ti\u1ec1n l\u1edbn h\u01a1n cho th\u1eddi \u0111i\u1ec3m v\u1ec1 cu\u1ed1i, th\u1eddi gian t\u1edbi B\u00e1ch s\u1ebd d\u00e0nh m\u1ed9t bu\u1ed5i \u0111\u1ec3 chia s\u1ebb v\u1ec1 c\u00e1ch t\u00ednh n\u00e0y c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 so s\u00e1nh h\u01a1n thi\u1ec7t cho c\u00e1c b\u1ea1n tham kh\u1ea3o.<\/p>\n<div class=\"code-block code-block-1\" style=\"margin: 8px 0;clear: both\">\n<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2025\/01\/ex101_92019-nho-382.gif\" title=\"ex101_92019-nho-382\"><br \/>\n<\/a>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"uk-panel uk-margin uk-width-xlarge\">\n<p>Click \u0111\u0103ng k\u00fd h\u1ecdc t\u1ea1i:<\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/khoa-hoc\" target=\"_blank\" rel=\"noopener\">T\u1ea5t c\u1ea3 kho\u00e1 h\u1ecdc\u00a0<span>\ud83d\udcd6<\/span><\/a><\/p>\n<p><a href=\"http:\/\/blog.ezworkapp.com\/huong-dan-kich-hoat-khoa-hoc-tai-hoc-excel-online.html\" target=\"_blank\" rel=\"noopener\">H\u01b0\u1edbng d\u1eabn k\u00edch ho\u1ea1t<\/a><\/p>\n<p>HKD H\u1ecdc Excel Online<br \/>S\u1ed1 \u0110K: 17A80048102<\/p>\n<\/div>\n<div class=\"uk-panel uk-text-small uk-margin uk-margin-remove-bottom uk-text-center\">\n<p>\u00a9  document.currentScript.insertAdjacentHTML(&#8216;afterend&#8217;, &#8221; + new Intl.DateTimeFormat(document.documentElement.lang, {year: &#8216;numeric&#8217;}).format() + &#8221;);  H\u1ecdc Excel Online. All rights reserved.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/ex101-excel-tu-co-ban-den-chuyen-gia-danh-cho-nguoi-di-lam\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2025\/01\/ex101_92019-nho-382.gif\"><br \/>\n<\/a>\n<\/div>\n","protected":false},"author":1,"featured_media":12319,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-12318","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-excel-co-ban"],"_links":{"self":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12318","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/comments?post=12318"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/12318\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/12319"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=12318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=12318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=12318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}