Python numpy.ipmt()用法及代碼示例

numpy.ipmt(rate，nper，pv，fv，當=“結束”時)：此財務函數可幫助用戶僅根據利息計算付款價值。即返回利息部分。

參數：
rate: [scalar or (M, )array] Rate of interest as decimal (not per cent) per period
nper: [scalar or (M, )array] total compounding periods
fv : [scalar or (M, )array] Future value
pv : [scalar or (M, )array] present value
when: at the beginning (when = {‘begin’, 1}) or the end (when = {‘end’, 0}) of each period.Default is {‘end’, 0}

返回： Payment value ie. the interest part of it.

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

代碼:

# Python program explaining  
# ipmt() 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 60 % 
'''
  
Solution = np.ipmt(0.6 / 12, 2 * 12, 1 * 12, 10000) 
  
# Here fv = 0 ; Also Default value of fv = 0  
print("Solution - ipmt value:", Solution) 

輸出：

Solution - ipmt value: 801.4432933339593