{"id":936,"date":"2011-11-14T19:31:22","date_gmt":"2011-11-14T11:31:22","guid":{"rendered":"http:\/\/learn-house.idv.tw\/?p=936"},"modified":"2011-11-14T21:17:17","modified_gmt":"2011-11-14T13:17:17","slug":"%e8%b2%b8%e6%ac%be%e9%82%84%e6%ac%be%e6%96%b9%e5%bc%8f%ef%bc%9a%e6%9c%ac%e6%81%af%e5%b9%b3%e5%9d%87%e6%94%a4%e9%82%84%e8%88%87%e6%9c%ac%e9%87%91%e5%b9%b3%e5%9d%87%e6%94%a4%e9%82%84","status":"publish","type":"post","link":"https:\/\/learn-house.idv.tw\/?p=936","title":{"rendered":"\u8cb8\u6b3e\u9084\u6b3e\u65b9\u5f0f\uff1a\u672c\u606f\u5e73\u5747\u6524\u9084\u8207\u672c\u91d1\u5e73\u5747\u6524\u9084"},"content":{"rendered":"<p>\u8a6d\u7570\u9f41!!\u7adf\u7136\u5728\u6211\u7684\u7db2\u8a8c\u4e0a\u51fa\u73fe\u9019\u5947\u602a\u7684\u6587\u7ae0<\/p>\n<p>\u53ea\u80fd\u8aaa\u7121\u5948\u7684\u74b0\u5883\u4f7f\u4eba\u4e0d\u5f97\u4e0d\u4f4e\u982d\uff0c\u5728\u9019\u5171\u9ad4\u6642\u8271\u7684\u6642\u523b\uff0c\u544a\u8a34\u81ea\u5df1\u8981\u722d\u6c23<\/p>\n<p>\u7db2\u8def\u4e0a\u6709\u5f88\u591a\u6587\u7ae0\uff0c\u4f46\u6211\u90fd\u53ea\u770b\u61c2\u4e00\u534a<\/p>\n<p>\u800c\u4e14\u4e5f\u6709\u5f88\u591a\u6559\u4f60\u628a\u6578\u5b57\u4e1f\u5230Excel\u5c31\u6703\u5e6b\u4f60\u7b97\u597d\u597d\u7684<\/p>\n<p>\u4f46\u79c9\u8457\u559c\u6b61\u77e5\u9053\u5167\u90e8\u7d30\u7bc0\u7684\u4eba\u4f86\u8aaa\uff0c\u9084\u662f\u6bd4\u8f03\u6703\u60f3\u8981\u81ea\u5df1\u7b97\u4e00\u4e0b<\/p>\n<p>\u6240\u4ee5\u525b\u597d\u628a\u6bcf\u7bc7\u6587\u7ae0\u6211\u90fd\u770b\u61c2\u4e00\u534a\u7684\u878d\u5408\u8d77\u4f86\uff0c\u5c31\u6210\u4e86\u9019\u4e00\u7bc7\u4e86@@\"<\/p>\n<p><!--more-->\u9996\u5148\uff0c\u5148\u4f86\u8b1b\u8907\u96dc\u7684<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>\u672c\u606f\u5e73\u5747\u6524\u9084<\/strong><\/span><\/p>\n<p><strong>\u8aaa\u660e\uff1a<\/strong>\u6307\u6bcf\u671f\u6524\u9084\u7684\u672c\u91d1\u8207\u5229\u606f\u7e3d\u5408\u76f8\u540c\uff0c\u4e5f\u5c31\u662f\u6bcf\u671f\u511f\u9084\u4e00\u6a23\u7684\u91d1\u984d\uff1b\u9069\u5408\u56fa\u5b9a\u85aa\u6c34\u3001\u6bcf\u6708\u9810\u7b97\u56fa\u5b9a\u7684\u4e0a\u73ed\u65cf\u3002\u662f\u76ee\u524d\u5e02\u9762\u4e0a\u8f03\u5e38\u898b\u7684\u9084\u6b3e\u65b9\u5f0f\u3002<\/p>\n<p>\u516c\u5f0f\u7d30\u7bc0\uff1a<br \/>\n<strong><em>\u6bcf\u6708\u61c9\u4ed8\u672c\u606f\u91d1\u984d\u4e4b\u5e73\u5747\u6524\u9084\u7387 = {[(1\uff0b\u6708\u5229\u7387)^\u6708\u6578]\u00d7\u6708\u5229\u7387}\u00f7{[(1\uff0b\u6708\u5229\u7387)^\u6708\u6578]-1}<\/em><\/strong><\/p>\n<p><strong><em>\u5e73\u5747\u6bcf\u6708\u61c9\u6524\u4ed8\u672c\u606f\u91d1\u984d = \u8cb8\u6b3e\u672c\u91d1\u00d7\u6bcf\u6708\u61c9\u4ed8\u672c\u606f\u91d1\u984d\u4e4b\u5e73\u5747\u6524\u9084\u7387(\u4ea6\u70ba\u6bcf\u6708\u61c9\u9084\u672c\u91d1\u91d1\u984d\uff0b\u6bcf\u6708\u61c9\u4ed8\u5229\u606f\u91d1\u984d)<\/em><\/strong><\/p>\n<p>\u5176\u5be6\u5230\u9019\u88e1\u5c31\u7b97\u51fa\u4f60\u6bcf\u6708\u8981\u4ed8\u591a\u5c11\u6524\u9084\u7684\u672c\u91d1+\u5229\u606f\u7684\u9322\u4e86<\/p>\n<p>\u4f46\u5982\u679c\u8981\u9032\u4e00\u6b65\u5f97\u77e5\u4f60\u6bcf\u6708\u672c\u91d1\u511f\u9084\u591a\u5c11\u5229\u606f\u4ed8\u4e86\u591a\u5c11\u5c31\u53ef\u4ee5\u7e7c\u7e8c\u7b97\u4e0b\u53bb<\/p>\n<p><strong><em>\u6bcf\u6708\u61c9\u4ed8\u5229\u606f\u91d1\u984d\uff1d\u672c\u91d1\u9918\u984d\u00d7\u6708\u5229\u7387<\/em><\/strong><\/p>\n<p><strong><em>\u6bcf\u6708\u61c9\u9084\u672c\u91d1\u91d1\u984d\uff1d\u5e73\u5747\u6bcf\u6708\u61c9\u6524\u4ed8\u672c\u606f\u91d1\u984d\uff0d\u6bcf\u6708\u61c9\u4ed8\u5229\u606f\u91d1\u984d<\/em><\/strong><\/p>\n<p>\u8209\u4f8b\u8aaa\u660e\uff1a\u4fe1\u7528\u8cb8\u6b3e30\u842c\u5143\uff0c\u5e74\u5229\u73876.5%\uff0c\u4ee5\u6bcf\u6708\u70ba\u4e00\u671f\u7e73\u7d0d\u5229\u606f\u53ca\u672c\u91d1\uff0c\u7e3d\u5171\u52062\u5e74\u9084\u6e05<br \/>\n\u6708\u5229\u7387\uff1a6.5%\/12 = 0.542%<\/p>\n<p>\u6708\u6578\uff1a2 \u00d7 12 = 24\u671f<\/p>\n<p>\u5957\u5165\u516c\u5f0f\u5f97\u77e5\u00a0\u00a0 \u672c\u606f\u5e73\u5747\u6524\u9084\u7387 = {[(1\uff0b0.542%)^24]\u00d70.542%}\u00f7{[(1\uff0b0.542%)^24]-1} = 0.0445466666666667<br \/>\n\u6bcf\u6708\u61c9\u4ed8\u672c\u606f\u91d1\u984d = 300000 \u00d7 0.0445466666666667 = 13364<\/p>\n<p>\u82e5\u5728\u7e7c\u7e8c\u7b97\u4e0b\u53bb\u60f3\u8981\u5f97\u77e5\u4f60\u6bcf\u500b\u6708\u5230\u5e95\u4ed8\u4e86\u591a\u5c11\u5229\u606f\u548c\u672c\u91d1\u7684\u9322<\/p>\n<p>\u7b2c\u4e00\u500b\u6708 \u5229\u606f\u91d1\u984d = 300000 \u00d7 0.542% = 1625; \u511f\u9084\u672c\u91d1\u91d1\u984d = 13364 - 1625 = 11739; \u8cb8\u6b3e\u9918\u984d = 300000 - 11739 = 288261<br \/>\n\u7b2c\u4e8c\u500b\u6708 \u5229\u606f\u91d1\u984d = 288261 \u00d7 0.542% = 1561; \u511f\u9084\u672c\u91d1\u91d1\u984d = 13364 - 1561 = 11802; \u8cb8\u6b3e\u9918\u984d = 288261 - 11802 = 276459<br \/>\n:<br \/>\n:<br \/>\n\u6b64\u4ee5\u985e\u63a8\uff0c\u6703\u8b8a\u6210\u5982\u4e0b\u5716\uff1a<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" title=\"\u672c\u606f\u5747\u6524\u6cd5\" src=\"https:\/\/lh3.googleusercontent.com\/-dt2Vn7umr2A\/Tr50GyMZ9hI\/AAAAAAAAD5I\/9mBF__1Zgsg\/s494\/cashflow.gif\" alt=\"\" width=\"400\" height=\"216\" \/><\/p>\n<p><span style=\"text-decoration: underline;\"><strong>\u672c\u91d1\u5e73\u5747\u6524\u9084<\/strong><\/span><\/p>\n<p><strong>\u8aaa\u660e\uff1a<\/strong>\u672c\u91d1\u5e73\u5747\u6524\u9084\u6cd5\uff0c\u662f\u5c6c\u65bc\u524d\u82e6\u5f8c\u6a02\u578b\uff0c\u4f8b\u5982\u672c\u91d1\u5c31\u4e00\u76f4\u56fa\u5b9a\u6524\u9084\u4e00\u5b9a\u91d1\u984d\uff0c\u800c\u5229\u606f\u6703\u96a8\u8457\u672c\u91d1\u7684\u6e1b\u5c11\u800c\u8d8a\u4f86\u8d8a\u5c11\uff0c\u4f60\u4e5f\u6703\u8d8a\u4f86\u8d8a\u8f15\u9b06\u3002<\/p>\n<p>\u516c\u5f0f\u7d30\u7bc0\uff1a<\/p>\n<p><strong><em>\u6bcf\u6708\u61c9\u9084\u672c\u91d1 = <\/em><\/strong><strong><em>\u8cb8\u6b3e\u672c\u91d1\u00a0 \/ \u6708\u6578<br \/>\n<\/em><\/strong><\/p>\n<p><strong><em>\u6bcf\u6708\u61c9\u4ed8\u5229\u606f\u91d1\u984d\uff1d\u672c\u91d1\u9918\u984d\u00d7\u6708\u5229\u7387<\/em><\/strong><\/p>\n<p><strong><em>\u6bcf\u6708\u61c9\u4ed8\u672c\u606f\u91d1\u984d\uff1d\u6bcf\u6708\u61c9\u9084\u672c\u91d1\uff0b\u6bcf\u6708\u61c9\u4ed8\u5229\u606f<\/em><\/strong><\/p>\n<p>\u8209\u4f8b\u8aaa\u660e\uff1a\u4fe1\u7528\u8cb8\u6b3e100\u842c\u5143\uff0c\u5e74\u5229\u73875%\uff0c\u4ee5\u6bcf\u5e74\u70ba\u4e00\u671f\u7e73\u7d0d\u5229\u606f\u53ca\u672c\u91d1\uff0c\u7e3d\u5171\u520610\u5e74\u9084\u6e05 (\u6ce8\u610f\u9019\u500b\u4f8b\u5b50\u662f\u4ee5\u6bcf\u5e74\u70ba\u4e00\u671f\u7e73\u7d0d\uff0c\u4e0a\u8ff0\u4f8b\u5b50\u6bcf\u6708\u70ba\u4e00\u671f\uff0c\u56e0\u70ba\u6211\u61f6\u5f97\u81ea\u5df1\u518d\u7b97\u904e\uff0c\u76f4\u63a5\u62ff\u4f86\u7528XD)<\/p>\n<p>\u5e74\u5229\u7387\uff1a5%<\/p>\n<p>\u5e74\u6578\uff1a10\u5e74<\/p>\n<p>\u5957\u5165\u516c\u5f0f\u5f97\u77e5 \u6bcf\u5e74\u61c9\u6524\u9084\u672c\u91d1 = 100(\u842c)\/10(\u5e74) = 10(\u842c)<\/p>\n<p>\u7b2c1\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(100 \u00d7 5%)\uff1d15<br \/>\n\u7b2c2\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(90 \u00d7 5%)\uff1d14.5<br \/>\n\u7b2c3\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(80 \u00d7 5%)\uff1d14.0<br \/>\n\u7b2c4\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(70 \u00d7 5%)\uff1d13.5<br \/>\n\u7b2c5\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(60 \u00d7 5%)\uff1d13.0<br \/>\n\u7b2c6\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(50 \u00d7 5%)\uff1d12.5<br \/>\n\u7b2c7\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(40 \u00d7 5%)\uff1d12.0<br \/>\n\u7b2c8\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(30 \u00d7 5%)\uff1d11.5<br \/>\n\u7b2c9\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(20 \u00d7 5%)\uff1d11.0<br \/>\n\u7b2c10\u5e74\u511f\u9084\u91d1\u984d\uff1a10\uff0b(10 \u00d7 5%)\uff1d10.5<\/p>\n<p>\u8cc7\u6599\u4f86\u6e90\uff1a<\/p>\n<p><a href=\"http:\/\/www.landbank.com.tw\/Manage\/b_3.aspx?EpfJdId9UuCGfWtnHzKyW3iyYFqOs3zQ\" target=\"_self\">\u672c\u606f\u5e73\u5747\u6524\u9084\u6cd5(\u5373\u672c\u606f\u5b9a\u984d\u6524\u9084\u6cd5)<\/a><\/p>\n<p><a href=\"http:\/\/tw.money.yahoo.com\/finedu_con_article\/adbf\/d_a_070525_47_kw48\" target=\"_self\">\u672c\u606f\u5e73\u5747\u6524\u9084\u6cd5V.S.\u672c\u91d1\u5e73\u5747\u6524\u9084\u6cd5?<\/a><\/p>\n<p><a href=\"http:\/\/chinszuhan.pixnet.net\/blog\/post\/26601750-%E6%9C%AC%E9%87%91%E5%B9%B3%E5%9D%87%E6%94%A4%E9%82%84%E6%B3%95-%26-%E6%9C%AC%E6%81%AF%E5%B9%B3%E5%9D%87%E6%94%A4%E9%82%84%E6%B3%95\" target=\"_self\">\u672c\u91d1\u5e73\u5747\u6524\u9084\u6cd5 &amp; \u672c\u606f\u5e73\u5747\u6524\u9084\u6cd5<\/a><\/p>\n<p><a href=\"http:\/\/www.masterhsiao.com.tw\/Excel4Mortgage\/Excel4Mortgage.htm\" target=\"_self\">Excel\u8ca1\u52d9\u51fd\u6578-\u8cb8\u6b3e\u76f8\u95dc<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8a6d\u7570\u9f41!!\u7adf\u7136\u5728\u6211\u7684\u7db2\u8a8c\u4e0a\u51fa\u73fe\u9019\u5947\u602a\u7684\u6587\u7ae0 \u53ea\u80fd\u8aaa\u7121\u5948\u7684\u74b0\u5883\u4f7f\u4eba\u4e0d\u5f97\u4e0d\u4f4e\u982d\uff0c\u5728\u9019\u5171\u9ad4\u6642\u8271\u7684\u6642\u523b\uff0c\u544a\u8a34\u81ea\u5df1\u8981\u722d\u6c23 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-936","post","type-post","status-publish","format-standard","hentry","category-4"],"_links":{"self":[{"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=\/wp\/v2\/posts\/936"}],"collection":[{"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=936"}],"version-history":[{"count":0,"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=\/wp\/v2\/posts\/936\/revisions"}],"wp:attachment":[{"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn-house.idv.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}