{"id":5589,"date":"2024-12-16T16:42:26","date_gmt":"2024-12-16T16:42:26","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/16\/cach-su-dung-ham-pmt-tinh-so-tien-thanh-toan-hang-ky-cho-khoan-vay-trong-excel\/"},"modified":"2024-12-16T16:42:26","modified_gmt":"2024-12-16T16:42:26","slug":"cach-su-dung-ham-pmt-tinh-so-tien-thanh-toan-hang-ky-cho-khoan-vay-trong-excel","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/16\/cach-su-dung-ham-pmt-tinh-so-tien-thanh-toan-hang-ky-cho-khoan-vay-trong-excel\/","title":{"rendered":"C\u00e1ch s\u1eed d\u1ee5ng h\u00e0m PMT t\u00ednh s\u1ed1 ti\u1ec1n thanh to\u00e1n h\u00e0ng k\u1ef3 cho kho\u1ea3n vay trong Excel"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<p>Ch\u00e0o c\u00e1c b\u1ea1n,<\/p>\n<p>Excel l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 r\u1ea5t m\u1ea1nh trong vi\u1ec7c ph\u00e2n t\u00edch v\u00e0 l\u1eadp c\u00e1c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh, b\u1edfi trong\u00a0Excel\u00a0\u0111\u00e3 c\u00f3 s\u1eb5n c\u00e1c h\u00e0m gi\u00fap ch\u00fang ta l\u00e0m vi\u1ec7c\u00a0\u0111\u00f3 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta c\u00f9ng t\u00ecm hi\u1ec3u m\u1ed9t h\u00e0m t\u00e0i ch\u00ednh th\u01b0\u1eddng\u00a0\u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng li\u00ean quan t\u1edbi c\u00e1c v\u1ea5n\u00a0\u0111\u1ec1 t\u00ednh s\u1ed1 ph\u1ea3i tr\u1ea3 h\u00e0ng k\u1ef3 cho m\u1ed9t kho\u1ea3n vay c\u00f3 l\u00e3i su\u1ea5t kh\u00f4ng\u00a0\u0111\u1ed5i.\u00a0\u0110\u00f3 l\u00e0 h\u00e0m PTM gi\u00fap t\u00ednh s\u1ed1 ti\u1ec1n thanh to\u00e1n h\u00e0ng k\u1ef3 cho kho\u1ea3n vay trong\u00a0Excel.<\/p>\n<p><strong><em>X\u00e9t v\u00ed d\u1ee5 sau:<\/em><\/strong><\/p>\n<p>B\u1ea1n c\u1ea7n vay m\u1ed9t kho\u1ea3n ti\u1ec1n l\u00e0 100 tri\u1ec7u t\u1ea1i th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, tr\u1ea3 \u0111\u1ec1u \u0111\u1eb7n h\u00e0ng th\u00e1ng trong v\u00f2ng 3 n\u0103m v\u1edbi l\u00e3i su\u1ea5t 6% m\u1ed7i th\u00e1ng. V\u1eady m\u1ed7i th\u00e1ng ph\u1ea3i tr\u1ea3 bao nhi\u00eau ti\u1ec1n? T\u1ed5ng c\u1ed9ng sau 3 n\u0103m ph\u1ea3i tr\u1ea3 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i l\u00e0 bao nhi\u00eau ti\u1ec1n?<\/p>\n<p><em><strong>C\u00e1ch l\u00e0m:<\/strong><\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_61 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Xem nhanh<\/p>\n<p><label for=\"ez-toc-cssicon-toggle-item-67605871682e7\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><\/span><\/span><\/label><\/p>\n<nav>\n<ul class=\"ez-toc-list ez-toc-list-level-1 \">\n<li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.hocexcel.online\/excel-voi-tai-chinh-ham-pmt-tinh-tien-thanh-toan-hang-ky-cho-khoan-vay.html#1_Tim_hieu_cau_truc_ham_PMT_trong_Excel\" title=\"1. T\u00ecm hi\u1ec3u c\u1ea5u tr\u00fac h\u00e0m PMT trong\u00a0Excel\">1. T\u00ecm hi\u1ec3u c\u1ea5u tr\u00fac h\u00e0m PMT trong\u00a0Excel<\/a><\/li>\n<li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.hocexcel.online\/excel-voi-tai-chinh-ham-pmt-tinh-tien-thanh-toan-hang-ky-cho-khoan-vay.html#2_Ung_dung_ham_PMT_vao_bai_tap\" title=\"2.\u00a0\u1ee8ng d\u1ee5ng h\u00e0m PMT v\u00e0o b\u00e0i t\u1eadp\">2.\u00a0\u1ee8ng d\u1ee5ng h\u00e0m PMT v\u00e0o b\u00e0i t\u1eadp<\/a><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Tim_hieu_cau_truc_ham_PMT_trong_Excel\"><\/span>1. T\u00ecm hi\u1ec3u c\u1ea5u tr\u00fac h\u00e0m PMT trong\u00a0Excel<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u1ea5u tr\u00fac h\u00e0m PMT nh\u01b0 sau:<\/p>\n<blockquote>\n<p>=PMT(rate, nper, pv,\u00a0[fv],\u00a0[type])<\/p>\n<\/blockquote>\n<ul>\n<li><strong>Rate<\/strong> \u2013 B\u1eaft bu\u1ed9c \u2013\u00a0\u0110\u00e2y l\u00e0 l\u00e3i su\u1ea5t h\u00e0ng k\u1ef3 c\u1ee7a kho\u1ea3n vay<\/li>\n<li><strong>NPer<\/strong>\u00a0(total <strong>N<\/strong>umber of <strong>Per<\/strong>ior)- B\u1eaft bu\u1ed9c \u2013\u00a0\u0110\u00e2y l\u00e0 t\u1ed5ng s\u1ed1 k\u1ef3 thanh to\u00e1n<\/li>\n<li><strong>PV<\/strong>\u00a0(<strong>P<\/strong>resent <strong>V<\/strong>alue)- B\u1eaft bu\u1ed9c \u2013 Gi\u00e1 tr\u1ecb hi\u1ec7n t\u1ea1i c\u1ee7a kho\u1ea3n vay (n\u1ee3 g\u1ed1c)<\/li>\n<li><strong>FV<\/strong>\u00a0(<strong>F<\/strong>uture <strong>V<\/strong>alue)- T\u00f9y ch\u1ecdn \u2013 Gi\u00e1 tr\u1ecb t\u01b0\u01a1ng lai (ho\u1eb7c s\u1ed1 d\u01b0) c\u1ee7a kho\u1ea3n ti\u1ec1n sau khi th\u1ef1c hi\u1ec7n vi\u1ec7c thanh to\u00e1n\u00a0\u0111\u1ee3t cu\u1ed1i c\u00f9ng. N\u1ebfu kh\u00f4ng ch\u1ecdn th\u00ec hi\u1ec3u m\u1eb7c\u00a0\u0111\u1ecbnh l\u00e0 s\u1ebd tr\u1ea3 h\u1ebft kho\u1ea3n vay<\/li>\n<li><strong>Type<\/strong> \u2013 T\u00f9y ch\u1ecdn \u2013 ch\u1ecdn gi\u1eefa s\u1ed1 0 ho\u1eb7c s\u1ed1 1 \u2013 Th\u1eddi\u00a0\u0111i\u1ec3m thanh to\u00e1n l\u00e0\u00a0\u0111\u1ea7u k\u1ef3 hay cu\u1ed1i chu k\u1ef3<\/li>\n<\/ul>\n<p><strong><em>L\u01b0u\u00a0\u00fd:<\/em><\/strong><\/p>\n<div class=\"code-block code-block-2\" style=\"margin: 8px 0;clear: both\">\n<div class=\"ad-inserterpro\">\n<a href=\"https:\/\/hocexcel.online\/course\/preview\/vba101-tu-dong-hoa-excel-voi-lap-trinh-vba-cho-nguoi-moi-bat-dau\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/vba101_92019-nho-202.gif\" title=\"vba101_92019-nho-202\"><br \/>\n<\/a>\n<\/div>\n<\/div>\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\/2024\/12\/ex101_92019-nho-487.gif\" title=\"ex101_92019-nho-487\"><br \/>\n<\/a>\n<\/div>\n<\/div>\n<ul>\n<li><strong>RATE<\/strong> v\u00e0 <strong>NPER<\/strong> ph\u1ea3i th\u1ed1ng nh\u1ea5t v\u1ec1 c\u00f9ng 1 gi\u00e1 tr\u1ecb th\u1eddi gian<\/li>\n<li>N\u1ebfu <strong>NPER<\/strong>\u00a0b\u1eaft bu\u1ed9c t\u00ednh theo th\u00e1ng m\u00e0\u00a0\u0111\u1ec1 b\u00e0i cho l\u00e3i su\u1ea5t theo n\u0103m th\u00ec ph\u1ea3i quy\u00a0\u0111\u1ed5i <strong>RATE<\/strong>\u00a0v\u1ec1 theo th\u00e1ng<\/li>\n<\/ul>\n<p><strong>Xem th\u00eam<\/strong>:\u00a0<a href=\"http:\/\/blog.ezworkapp.com\/excel-tai-chinh-phan-tich-tra-no-goc-va-lai-cung-chuoi-ham-pmt.html\">Excel t\u00e0i ch\u00ednh: Ph\u00e2n t\u00edch tr\u1ea3 n\u1ee3 g\u1ed1c v\u00e0 l\u00e3i c\u00f9ng chu\u1ed7i h\u00e0m PMT<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Ung_dung_ham_PMT_vao_bai_tap\"><\/span>2.\u00a0\u1ee8ng d\u1ee5ng h\u00e0m PMT v\u00e0o b\u00e0i t\u1eadp<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c ch\u1ec9 s\u1ed1 trong b\u00e0i t\u1eadp n\u00e0y\u00a0\u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:<\/p>\n<p>Rate = 6%\/th\u00e1ng<\/p>\n<p>Nper = 3 n\u0103m = 3 * 12 = 36 th\u00e1ng (quy\u00a0\u0111\u1ed5i t\u01b0\u01a1ng\u00a0\u1ee9ng theo Rate, v\u00ec y\u00eau c\u1ea7u t\u00ednh s\u1ed1 ti\u1ec1n tr\u1ea3 h\u00e0ng th\u00e1ng)<\/p>\n<p>PV = 100 tri\u1ec7u<\/p>\n<p>=&gt; H\u00e0m PMT s\u1eed d\u1ee5ng nh\u01b0 sau:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-12943\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/pic01-10.png\" width=\"1198\" height=\"680\" title=\"pic01-10\"><\/p>\n<p>* <strong><em>L\u01b0u\u00a0\u00fd<\/em><\/strong>: K\u1ebft qu\u1ea3 c\u1ee7a h\u00e0m PMT ra s\u1ed1\u00a0\u00e2m, s\u1ed1 ti\u1ec1n\u00a0\u1edf d\u1ea1ng $ n\u00ean c\u00f3 2 c\u00e1ch\u00a0\u0111\u1ec3 x\u1eed l\u00fd k\u1ebft qu\u1ea3 h\u00e0m PMT:<\/p>\n<ul>\n<li>B\u1ecf d\u1ea5u $: Format cells\u00a0\u00f4 s\u1eed d\u1ee5ng h\u00e0m PMT, ch\u1ecdn m\u1ee5c Number (ho\u1eb7c n\u1ebfu ch\u1ecdn Currency th\u00ec m\u1ee5c Symbol ch\u1ecdn None)<\/li>\n<li>B\u1ecf\u00a0d\u1ea5u\u00a0\u00e2m: Gi\u00e1 tr\u1ecb PV s\u1ebd\u00a0\u0111\u1eb7t d\u1ea5u\u00a0\u00e2m th\u00ec k\u1ebft qu\u1ea3 c\u1ee7a h\u00e0m s\u1ebd ra s\u1ed1 d\u01b0\u01a1ng =&gt; PMT(Rate, nper, -PV)<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady m\u1ed7i th\u00e1ng c\u1ea7n tr\u1ea3 s\u1ed1 ti\u1ec1n l\u00e0 6.839.483<\/p>\n<p>S\u1ed1 ti\u1ec1n c\u1ea3 g\u1ed1c c\u1ea3 l\u00e3i sau 3 n\u0103m l\u00e0:\u00a06.839.483*36 = 246.221.405<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12944 aligncenter\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/pic02-10.png\" width=\"520\" height=\"296\" title=\"pic02-10\"><\/p>\n<p>Nh\u01b0 v\u1eady l\u00e0 ch\u00fang ta\u00a0\u0111\u00e3 th\u1ef1c hi\u1ec7n xong y\u00eau c\u1ea7u c\u1ee7a\u00a0\u0111\u1ec1 b\u00e0i r\u1ed3i. R\u1ea5t\u00a0\u0111\u01a1n gi\u1ea3n\u00a0\u0111\u00fang kh\u00f4ng n\u00e0o?<\/p>\n<p>Qua b\u00e0i h\u1ecdc n\u00e0y ch\u00fang ta\u00a0\u0111\u00e3 c\u00f3 th\u1ec3 hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c ng\u00f4n ng\u1eef t\u00e0i ch\u00ednh, c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c h\u00e0m t\u00e0i ch\u00ednh trong\u00a0Excel r\u1ed3i.<\/p>\n<p>Ch\u00fac c\u00e1c b\u1ea1n h\u1ecdc t\u1ed1t c\u00f9ng H\u1ecdc\u00a0Excel Online!<\/p>\n<blockquote>\n<p><a href=\"http:\/\/blog.ezworkapp.com\">\u0110\u1ecba ch\u1ec9 h\u1ecdc Excel t\u1ea1i H\u00e0 N\u1ed9i<\/a><\/p>\n<\/blockquote>\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\/vba101-tu-dong-hoa-excel-voi-lap-trinh-vba-cho-nguoi-moi-bat-dau\"><br \/>\n<img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/vba101_92019-nho-202.gif\"><br \/>\n<\/a>\n<\/div>\n","protected":false},"author":1,"featured_media":5590,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-5589","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-excel-nang-cao"],"_links":{"self":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/5589","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=5589"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/5589\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/5590"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=5589"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=5589"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=5589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}