融资租赁实际利率计算表

一期二期三期 100,000,000.00 100,000,000.00 100,000,000.006.900%6.080%6.080%每3个月付本息*5年每3个月付本息*5年每3个月付本息*5年 20 20 20 5,000,000.00 4,000,000.00 4,000,000.00 2,000,000.00 3,000,000.00 3,000,000.00三12345678910先付保证金剔除可取得手续费增值税发-726,495.73-581,196.58-581,196.58票额合计 6,273,504.27 6,418,803.42 6,418,803.42基期获得本金 93,726,495.73 93,581,196.58 93,581,196.58本息合计当期还款额-5,839,577.31-5,802,285.77-5,936,396.88本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55-5,895,204.79-5,895,204.79-116,026,585.884.759%2.161%8.9263%-5,836,063.55-5,836,063.55-113,687,493.224.297%1.977%8.1446%-5,836,063.55-5,836,063.55-113,821,604.334.326%1.992%8.2077%11本息合计当期还款额12本息合计当期还款额本息合计按单利计算的名义利率每期按复利计算的实际利率年率pmt函数

15%36100000¥-3,466.53年利率月份数贷款本金求月还款额

22%年利率36月份数100000贷款本金

单变量求解功能¥-3,800.00求月还款额

，可以准确的测算融资租赁的实际利率，便于各借款人在各金融机构间选择成本较低者融资

招行一期二期 100,000,000.00 100,000,000.00利息500000006.976平安租赁6.650%5.843%6个月付息一次*3年6个月付息一次*3年每6个月付息一次66 3,000,000.00 3,000,000.00 5,000,000.00 3,000,000.00-435,897.44722000003000000 8,000,000.00 5,564,102.56 5,200,000.00 92,000,000.00 94,435,897.44 44,800,000.00-8,974,083.33-18,659,083.63-18,411,597.18-8,710,316.89-18,659,083.63-18,411,597.18-8,463,147.33-18,548,190.42-18,411,597.18-8,207,679.33-18,548,190.42-18,411,597.18-7,952,211.33-18,548,190.42-18,411,597.18-7,694,028.89-13,548,190.42-15,411,597.18-4,041,275.33 - -1,300,248.471,642,013.891,375,319.441,098,841.32821,543.64540,425.08264,350.59-106,510,928.945.258%4.513%9.2297%-107,469,583.084.601%3.903%7.9594%-54,042,742.437,042,742.43¥-9,999,512.00

者融资。表中数据均为举例数据。如果考虑获得利息的增值税，可参考平安租赁数据。安租赁利息对应的增值合计税50000000100000000测算利息利息对应的增值税3个月付息一次12只有160万元有VAT-232478.632522000003000000-232478.6325300000014000000-435897.44 -232,478.63 4,967,521.37 16,564,102.56 232,478.63 45,032,478.63 83,435,897.44188,924.99-8,785,158.34-9,128,333.33 1,430,462.17 207,844.93238,583.21-8,471,733.68-9,128,333.33 1,320,347.03 191,845.30199,832.74-8,263,314.59-9,128,333.33 1,208,656.74 175,616.79159,660.70-8,048,018.63-9,128,333.33 1,095,368.76 159,156.15119,369.59-7,832,841.74-9,128,333.33 980,460.24 142,460.0478,523.30-7,615,505.59-9,128,333.33 863,908.00 125,525.0938,409.91-4,002,865.42-9,128,333.33 745,688.53 108,347.91-9,128,333.33 625,777.96 90,925.00-9,128,333.33 504,152.13 73,252.87-9,128,333.33 380,786.48 55,327.95-7,628,333.33 255,656.13 37,146.621,023,304.46-7,628,333.33 128,735.84 18,705.21-53,019,437.97#############5.067%7.912%4.629%9.4727%-6.257%-12.1224%合计1000000003个月付息一次12 3,000,000.00 3,000,000.00-435897.44 5,564,102.56 94,435,897.44 -8,920,488.40 -8,936,488.04 -8,952,716.54 -8,969,177.19 -8,985,873.30 -9,002,808.24 -9,019,985.43 -9,037,408.33 -9,055,080.46 -9,073,005.38 -7,591,186.72 -7,609,628.13#############3.783%1.726%7.0846%