{"id":917,"date":"2024-12-02T03:05:38","date_gmt":"2024-12-02T03:05:38","guid":{"rendered":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/02\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel\/"},"modified":"2024-12-02T03:05:38","modified_gmt":"2024-12-02T03:05:38","slug":"cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel","status":"publish","type":"post","link":"https:\/\/blog.ezworkapp.com\/index.php\/2024\/12\/02\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel\/","title":{"rendered":"C\u00e1ch s\u1eed d\u1ee5ng h\u00e0m PMT, t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p trong Excel"},"content":{"rendered":"<div class=\"uk-panel uk-margin\" id=\"template-nJy84WMn#1\">\n<p>T\u1ea1i th\u1eddi \u0111i\u1ec3m m\u00ecnh chia s\u1ebb v\u1edbi b\u1ea1n c\u00e1c ki\u1ebfn th\u1ee9c trong b\u00e0i vi\u1ebft n\u00e0y, vi\u1ec7c mua nh\u00e0, hay mua xe ho\u1eb7c b\u1ea5t c\u1ee9 m\u1ed9t v\u1eadt d\u1ee5ng c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn n\u00e0o t\u1ea1i Vi\u1ec7t Nam, b\u1ea1n \u0111\u1ec1u c\u00f3 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng ph\u01b0\u01a1ng \u00e1n tr\u1ea3 g\u00f3p. Ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 g\u00f3p l\u00e0 ph\u01b0\u01a1ng th\u1ee9c mua b\u00e1n r\u1ea5t ph\u1ed5 bi\u1ebfn hi\u1ec7n nay. B\u1ea1n c\u00f3 th\u1ec3 tr\u1ea3 g\u00f3p theo <a href=\"http:\/\/blog.ezworkapp.com\/cach-tinh-lich-tra-no-voi-du-no-giam-dan-trong-excel.html\" target=\"_blank\" rel=\"noopener\">ph\u01b0\u01a1ng th\u1ee9c d\u01b0 n\u1ee3 gi\u1ea3m d\u1ea7n<\/a> v\u00e0 ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 \u0111\u1ec1u t\u1eebng k\u1ef3.<\/p>\n<p>\u0110\u1ed1i v\u1edbi ph\u01b0\u01a1ng th\u1ee9c tr\u1ea3 \u0111\u1ec1u t\u1eebng k\u1ef3 (s\u1ed1 ti\u1ec1n ph\u1ea3i tr\u1ea3 bao g\u1ed3m c\u1ea3 v\u1ed1n v\u00e0 l\u00e3i) th\u00ec vi\u1ec7c t\u00ednh to\u00e1n \u201cb\u1eb1ng tay\u201d kh\u00e1 ph\u1ee9c t\u1ea1p, tuy nhi\u00ean c\u00f4ng vi\u1ec7c n\u00e0y s\u1ebd tr\u1edf n\u00ean r\u1ea5t d\u1ec5 d\u00e0ng khi c\u00e1c b\u1ea1n \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 h\u00e0m t\u00ednh to\u00e1n tr\u1ea3 g\u00f3p c\u1ee7a Excel m\u00e0 Thanh s\u1ebd chia s\u1ebb trong b\u00e0i vi\u1ebft n\u00e0y.<\/p>\n<p>Ch\u00fang ta s\u1ebd \u0111i t\u00ecm hi\u1ec3u 3 h\u00e0m \u1ee9ng d\u1ee5ng trong vi\u1ec7c t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p trong b\u00e0i vi\u1ebft n\u00e0y, \u0111\u00f3 l\u00e0:<\/p>\n<ul>\n<li>H\u00e0m PMT<\/li>\n<li>H\u00e0m PPMT<\/li>\n<li>H\u00e0m IPMT<\/li>\n<\/ul>\n<p>sau \u0111\u00f3, ch\u00fang ta s\u1ebd \u0111i t\u00ecm hi\u1ec3u m\u1ed9t v\u00ed d\u1ee5 khi vay ti\u1ec1n mua nh\u00e0 th\u00ec m\u1ed7i n\u0103m ch\u00fang ta s\u1ebd c\u1ea7n tr\u1ea3 ti\u1ec1n t\u1eebng th\u00e1ng nh\u01b0 th\u1ebf n\u00e0o. Sau v\u00ed d\u1ee5 n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng c\u00e1ch t\u00ednh to\u00e1n t\u01b0\u01a1ng t\u1ef1 cho b\u1ea5t k\u00ec kho\u1ea3n vay tr\u1ea3 g\u00f3p n\u00e0o. \u1ede cu\u1ed1i b\u00e0i vi\u1ebft, Thanh c\u00f3 l\u00e0m m\u1ed9t video \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 n\u1eafm \u0111\u01b0\u1ee3c t\u1eebng b\u01b0\u1edbc thi\u1ebft l\u1eadp c\u00e1c d\u1eef ki\u1ec7n c\u1ee7a c\u00e1c b\u00e0i to\u00e1n t\u01b0\u01a1ng t\u1ef1, m\u1eddi c\u00e1c b\u1ea1n \u0111\u00f3n xem.<\/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-674d2401597cc\" 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-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Ham_PMT_trong_Excel\" title=\"H\u00e0m PMT trong Excel\">H\u00e0m PMT trong Excel<\/a>\n<ul class=\"ez-toc-list-level-3\">\n<li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Cu_phap_cua_ham_PMT\" title=\"C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PMT\">C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PMT<\/a><\/li>\n<li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Vi_du_ung_dung_ham_PMT\" title=\"V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng h\u00e0m PMT\">V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng h\u00e0m PMT<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Ham_PPMT_trong_Excel\" title=\"H\u00e0m PPMT trong Excel\">H\u00e0m PPMT trong Excel<\/a>\n<ul class=\"ez-toc-list-level-3\">\n<li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Cu_phap_cua_ham_PPMT\" title=\"C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PPMT\">C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PPMT<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Ham_IPMT_trong_Excel\" title=\"H\u00e0m IPMT trong Excel\">H\u00e0m IPMT trong Excel<\/a>\n<ul class=\"ez-toc-list-level-3\">\n<li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Cu_phap_cua_ham_IPMT\" title=\"C\u00fa ph\u00e1p c\u1ee7a h\u00e0m IPMT\">C\u00fa ph\u00e1p c\u1ee7a h\u00e0m IPMT<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blog.hocexcel.online\/cach-su-dung-ham-pmt-tinh-toan-so-tien-tra-gop-trong-excel.html#Vi_du_ung_dung_cua_nhom_ham_PMT_trong_Excel\" title=\"V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng c\u1ee7a nh\u00f3m h\u00e0m PMT trong Excel\">V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng c\u1ee7a nh\u00f3m h\u00e0m PMT trong Excel<\/a><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ham_PMT_trong_Excel\"><\/span>H\u00e0m PMT trong Excel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Cu_phap_cua_ham_PMT\"><\/span>C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PMT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>H\u00e0m PMT s\u1ebd gi\u00fap ch\u00fang ta x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n tr\u1ea3 g\u00f3p m\u1ed7i k\u1ef3 bao g\u1ed3m c\u1ea3 v\u1ed1n v\u00e0 l\u00e3i. Ch\u1eef \u201cPMT\u201d l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a t\u1eeb \u201cPayment\u201d trong ti\u1ebfng Anh, m\u00ecnh ngh\u0129 khi b\u1ea1n bi\u1ebft th\u00f4ng tin n\u00e0y, th\u00ec b\u1ea1n c\u0169ng s\u1ebd d\u1ec5 d\u00e0ng nh\u1edb \u0111\u01b0\u1ee3c h\u00e0m n\u00e0y h\u01a1n. H\u00e0m PMT c\u00f3 c\u00fa ph\u00e1p nh\u01b0 sau<\/p>\n<pre><code class=\"language-xls\">=PMT(rate, nper, pv, [fv], [type])<\/code><\/pre>\n<p>Trong \u0111\u00f3:<\/p>\n<ul>\n<li><code>rate<\/code> l\u00e0 l\u00e3i su\u1ea5t tr\u1ea3 g\u00f3p cho k\u1ef3 tr\u1ea3 g\u00f3p. V\u1edbi tham s\u1ed1 n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng s\u1ed1 th\u1eadp ph\u00e2n ho\u1eb7c ph\u1ea7n tr\u0103m. V\u00ed d\u1ee5, gi\u1ea3 s\u1eed v\u1edbi m\u1ed9t kho\u1ea3n vay v\u1edbi l\u00e3i su\u1ea5t 12% \/ n\u0103m; khi b\u1ea1n tr\u1ea3 1 l\u1ea7n \/ n\u0103m th\u00ec b\u1ea1n c\u00f3 th\u1ec3 vi\u1ebft l\u00e3i su\u1ea5t l\u00e0 12% ho\u1eb7c 0,12. C\u00f9ng kho\u1ea3n vay n\u00e0y, nh\u01b0ng b\u1ea1n c\u1ea7n tr\u1ea3 theo th\u00e1ng, th\u00ec l\u00e3i su\u1ea5t rate = 12% \/ 12 l\u00e0 1% hay 0.01<\/li>\n<li><code>Nper<\/code> l\u00e0 t\u1ed5ng s\u1ed1 k\u1ef3 tr\u1ea3 g\u00f3p. Nper vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m ti\u1ebfng Anh: \u201cNumber of period\u201d. V\u00ed d\u1ee5: khi b\u1ea1n k\u00fd m\u1ed9t kho\u1ea3n vay 20 n\u0103m v\u00e0 tr\u1ea3 h\u1eb1ng n\u0103m, th\u00ec Nper = 20. C\u00f9ng v\u1edbi kho\u1ea3n vay n\u00e0y, nh\u01b0ng b\u1ea1n tr\u1ea3 h\u00e0ng th\u00e1ng, th\u00ec Nper = 20 n\u0103m * 12 th\u00e1ng = 240<\/li>\n<li><code>Pv<\/code> trong m\u1ed9t kho\u1ea3n vay, \u0111\u00e2y ch\u00ednh l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n vay \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Pv l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a present value trong ti\u1ebfng Anh<\/li>\n<li><code>Fv<\/code> (kh\u00f4ng b\u1eaft bu\u1ed9c) s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n mu\u1ed1n c\u00f3 d\u01b0 ra sau khi th\u1ef1c hi\u1ec7n k\u1ef3 tr\u1ea3 n\u1ee3 cu\u1ed1i c\u00f9ng. Th\u01b0\u1eddng s\u1ebd b\u1ecf qua tham s\u1ed1 n\u00e0y, n\u1ebfu ch\u00fang ta gi\u1ea3 s\u1eed gi\u00e1 tr\u1ecb t\u01b0\u01a1ng lai c\u1ee7a kho\u1ea3n vay l\u00e0 0 (tr\u1ea3 h\u1ebft n\u1ee3)<\/li>\n<li><code>Type<\/code> (kh\u00f4ng b\u1eaft bu\u1ed9c) n\u1ebfu cho tham s\u1ed1 n\u00e0y gi\u00e1 tr\u1ecb 0, ho\u1eb7c kh\u00f4ng \u0111i\u1ec1n, th\u00ec c\u00f3 th\u1ec3 hi\u1ec3u r\u1eb1ng, ch\u00fang ta s\u1ebd tr\u1ea3 n\u1ee3 v\u00e0o cu\u1ed1i m\u1ed7i k\u1ef3 tr\u1ea3 n\u1ee3. N\u1ebfu tham s\u1ed1 n\u00e0y c\u00f3 gi\u00e1 tr\u1ecb 1, th\u00ec ch\u00fang ta hi\u1ec3u r\u1eb1ng, ti\u1ec1n tr\u1ea3 n\u1ee3 s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o \u0111\u1ea7u k\u1ef3 tr\u1ea3 n\u1ee3<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Vi_du_ung_dung_ham_PMT\"><\/span>V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng h\u00e0m PMT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ch\u00fang ta s\u1ebd c\u00f9ng nhau xem m\u1ed9t v\u00ed d\u1ee5 \u0111\u01a1n gi\u1ea3n nh\u01b0 sau \u0111\u1ec3 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 quen thu\u1ed9c h\u01a1n v\u1edbi h\u00e0m PMT: B\u1ea1n vay <code>1.000.000.000<\/code> (M\u1ed9t t\u1ef7 \u0111\u1ed3ng) trong <code>5<\/code> n\u0103m v\u1edbi l\u00e3i su\u1ea5t h\u00e0ng n\u0103m l\u00e0 <code>8,4%<\/code><\/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\/2024\/12\/ex101_92019-nho-57.gif\" title=\"ex101_92019-nho-57\"><br \/>\n<\/a>\n<\/div>\n<\/div>\n<ul>\n<li>\u0110\u1ec3 t\u00ednh ra kho\u1ea3n ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u1eb1ng n\u0103m, ch\u00fang ta c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng th\u1ee9c nh\u01b0 sau\n<pre><code class=\"language-xls\">=PMT(8,4%, 5, 1e9)<\/code><\/pre>\n<\/li>\n<li>\u0110\u1ec3 t\u00ednh ra kho\u1ea3n ti\u1ec1n ph\u1ea3i tr\u1ea3 h\u1eb1ng th\u00e1ng, ch\u00fang ta c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng th\u1ee9c nh\u01b0 sau\n<pre><code class=\"language-xls\">=PMT(8,4% \/ 12, 5 * 12, 1e9)<\/code><\/pre>\n<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ham_PPMT_trong_Excel\"><\/span>H\u00e0m PPMT trong Excel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u00e0m PPMT s\u1ebd gi\u00fap ch\u00fang ta nhanh ch\u00f3ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u1ea7n v\u1ed1n ph\u1ea3i tr\u1ea3 trong m\u1ed7i k\u1ef3 tr\u1ea3 n\u1ee3, ch\u1eef \u201cP\u201d \u0111\u1ea7u ti\u00ean trong h\u00e0m n\u00e0y trong ti\u1ebfng Anh ngh\u0129 l\u00e0 \u201cPrincipal\u201d<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cu_phap_cua_ham_PPMT\"><\/span>C\u00fa ph\u00e1p c\u1ee7a h\u00e0m PPMT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><code class=\"language-xls\">=PPMT(rate, Per, Nper, Pv)<\/code><\/p>\n<p>Trong c\u00fa ph\u00e1p c\u1ee7a h\u00e0m PPMT th\u00ec c\u00e1c tham s\u1ed1 rate, Nper, Pv \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a nh\u01b0 c\u00e1c b\u1ea1n \u0111\u00e3 \u0111\u1ecdc \u1edf ph\u1ea7n tr\u00ean, \u0111\u1ed1i v\u1edbi tham s\u1ed1 <code>Per<\/code> \u2013 Period \/ c\u00f3 \u00fd ngh\u0129a l\u00e0 s\u1ed1 th\u1ee9 t\u1ef1 c\u1ee7a k\u1ef3 tr\u1ea3 g\u00f3p.<\/p>\n<p><span class=\"note-label\">L\u01b0u \u00fd<\/span> Khi t\u00ednh to\u00e1n \u00e1p d\u1ee5ng h\u00e0m PPMT th\u00ec l\u00e3i su\u1ea5t rate ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng v\u1edbi k\u1ef3 tr\u1ea3 g\u00f3p. V\u00ed d\u1ee5, khi l\u00e3i su\u1ea5t 1 n\u0103m l\u00e0 12%, nh\u01b0ng k\u1ef3 tr\u1ea3 g\u00f3p l\u00e0 h\u00e0ng th\u00e1ng th\u00ec l\u00fac \u0111\u00f3 ch\u00fang ta c\u1ea7n cho v\u00e0o c\u00f4ng th\u1ee9c Rate = 12% \/ 12<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ham_IPMT_trong_Excel\"><\/span>H\u00e0m IPMT trong Excel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>H\u00e0m IPMT s\u1ebd gi\u00fap ch\u00fang ta nhanh ch\u00f3ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u1ea7n l\u00e3i ph\u1ea3i tr\u1ea3 trong m\u1ed7i k\u1ef3 tr\u1ea3 n\u1ee3, ch\u1eef \u201cI\u201d trong h\u00e0m n\u00e0y trong ti\u1ebfng Anh ngh\u0129 l\u00e0 \u201cInterest\u201d<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cu_phap_cua_ham_IPMT\"><\/span>C\u00fa ph\u00e1p c\u1ee7a h\u00e0m IPMT<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><code class=\"language-xls\">=IPMT(rate, Per, Nper, Pv)<\/code><\/p>\n<p>Trong c\u00fa ph\u00e1p c\u1ee7a h\u00e0m IPMT th\u00ec c\u00e1c tham s\u1ed1 rate, Per, Nper, Pv \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a nh\u01b0 ph\u1ea7n tr\u00ean.<\/p>\n<p><span class=\"note-label\">L\u01b0u \u00fd<\/span> Khi t\u00ednh to\u00e1n \u00e1p d\u1ee5ng h\u00e0m IPMT th\u00ec l\u00e3i su\u1ea5t rate ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng v\u1edbi k\u1ef3 tr\u1ea3 g\u00f3p. V\u00ed d\u1ee5, khi l\u00e3i su\u1ea5t 1 n\u0103m l\u00e0 12%, nh\u01b0ng k\u1ef3 tr\u1ea3 g\u00f3p l\u00e0 h\u00e0ng th\u00e1ng th\u00ec l\u00fac \u0111\u00f3 ch\u00fang ta c\u1ea7n cho v\u00e0o c\u00f4ng th\u1ee9c Rate = 12% \/ 12<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vi_du_ung_dung_cua_nhom_ham_PMT_trong_Excel\"><\/span>V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng c\u1ee7a nh\u00f3m h\u00e0m PMT trong Excel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 hi\u1ec3u r\u00f5 c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c h\u00e0m tr\u1ea3 g\u00f3p tr\u00ean, ch\u00fang ta h\u00e3y c\u00f9ng \u0111\u1ebfn v\u1edbi m\u1ed9t v\u00ed d\u1ee5 nh\u01b0 sau:<\/p>\n<p>B\u1ea1n mua 1 c\u0103n nh\u00e0 v\u1edbi gi\u00e1 tr\u1ecb 3,6 t\u1ef7 VN\u0110. V\u1edbi ch\u00ednh s\u00e1ch hi\u1ec7n t\u1ea1i c\u1ee7a \u0111a s\u1ed1 ng\u00e2n h\u00e0ng, b\u1ea1n c\u00f3 th\u1ec3 vay t\u1edbi 70% gi\u00e1 tr\u1ecb c\u0103n nh\u00e0 n\u00e0y. L\u00e3i su\u1ea5t cho kho\u1ea3n vay 10 n\u0103m n\u00e0y c\u1ed1 \u0111\u1ecbnh \u1edf m\u1ee9c 12% \/ n\u0103m.<\/p>\n<p>V\u1edbi d\u1eef ki\u1ec7n, nh\u01b0 v\u1eady, ch\u00fang ta c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh nho nh\u1ecf \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n tr\u00ean b\u1ea3ng t\u00ednh Excel v\u1edbi c\u00e1c c\u00f4ng th\u1ee9c ch\u00fang ta v\u1eeba h\u1ecdc nh\u01b0 sau:<\/p>\n<p>C\u00e1c c\u00f4ng th\u1ee9c \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 sau:<\/p>\n<pre><code class=\"language-xls\">D12 =PMT(D10,D9,D7)<\/code><\/pre>\n<pre><code class=\"language-xls\">D17 =PPMT($D$10,B17,$D$9,$D$7)<\/code><\/pre>\n<pre><code class=\"language-xls\">E17 =IPMT($D$10,B17,$D$9,$D$7)<\/code><\/pre>\n<pre><code class=\"language-xls\">F17 =SUM(D17:E17)<\/code><\/pre>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-37978\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/vi-du-ung-dung-nhom-ham-pmt-trong-excel-1024x891-2.jpg\" alt=\"V\u00ed d\u1ee5 \u1ee9ng d\u1ee5ng c\u1ee7a nh\u00f3m h\u00e0m PMT trong Excel\" width=\"827\" height=\"720\" title=\"vi-du-ung-dung-nhom-ham-pmt-trong-excel-1024x891-2\"><\/p>\n<p>Download file: <a href=\"https:\/\/drive.google.com\/drive\/folders\/1mfuIVTgnmdn1xcnoV9_KPiTksmh8WdTC?usp=sharing\" target=\"_blank\" rel=\"noopener\">Download<\/a><\/p>\n<p>Video h\u01b0\u1edbng d\u1eabn:<\/p>\n<div id=\"erdyt-674d240155d99\" data-id=\"8SK2kLMvHZQ\" class=\"erd-youtube-responsive\" style=\"position:relative;clear:both;width:100%;max-width:88%;margin-left:auto;margin-right:auto\">\n<div style=\"padding-bottom:56.25%\">\n<div class=\"erd-ytplay\" id=\"erdytp-8SK2kLMvHZQ-674d240155d99\" data-vid=\"8SK2kLMvHZQ\" data-src=\"https:\/\/www.youtube.com\/embed\/8SK2kLMvHZQ?loop=1&amp;autoplay=1&amp;rel=0\" data-allowfullscreen=\"true\"><img decoding=\"async\" src=\"http:\/\/blog.ezworkapp.com\/wp-content\/uploads\/2024\/12\/hqdefault-8.jpg\" alt=\"YouTube video\" title=\"hqdefault-8\"><\/div>\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\/2024\/12\/ex101_92019-nho-57.gif\"><br \/>\n<\/a>\n<\/div>\n","protected":false},"author":1,"featured_media":918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-917","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\/917","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=917"}],"version-history":[{"count":0,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/posts\/917\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media\/918"}],"wp:attachment":[{"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/media?parent=917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/categories?post=917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ezworkapp.com\/index.php\/wp-json\/wp\/v2\/tags?post=917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}