. Quá trình giám sát các loại ra các sản phẩm không đáp ứng tiêu chuẩn chất lượng dự kiến . Lần đầu tiên chúng tôi kiểm tra chất lượng, chúng tôi thấy rằng 5% sản lượng không đáp ứng tiêu chuẩn chất lượng, và lần thứ hai,. Trong tế bào , gõ công thức Tính toán số tiền cuối cùng trong ô với công thức | 462 Chapter 18 Building Loan Formulas To determine the interest rate given the other loan factors use the RATE functions RATE nper pmt pv fv type guess nper The number of payments over the term of the loan. pmt The periodic payment. pv The loan principal. fv The future value of the loan the default is 0 . type The type of payment. Use 0 the default for end-of-period payments use 1 for beginning-of-period pay- ments. guess A percentage value that Excel uses as a starting point for calculating the interest rate the default is 10 . The RATE function s guess parameter indicates that this function uses iteration to determine the learn more about iteration see Using Iteration and Circular References p. 95. For example suppose that you want to borrow 10 000 over 5 years with no balloon payment and a monthly payout of 200. What rate will satisfy these criteria The worksheet in Figure uses RATE to derive the result of . Here are some notes about this model The term is in years so the RATE function s nper argument multiplies the term by 12. The payment is already a monthly number so no adjustment is necessary for the pmt attribute. The payment is negative because it s money that you pay to the lender. The result of the RATE function is multiplied by 12 to get the annual interest rate. Figure This worksheet uses RATE to determine the interest rate required to pay a 10 000 loan over 5 years at 200 per month. Calculating How Much You Can Borrow If you know the current interest rate that your bank is offering for loans when you want to have the loan paid off and how much you can afford each month for the payments you might then wonder what is the maximum amount you can borrow under those terms To Working with Mortgages 463 figure this out you need to solve for the principal that is present value. You do that in Excel by using the PV function PV rate nper pmt fv type rate The fixed rate of interest over the term of the loan. nper The number of payments .
