Oracle PL/SQL 實現excel PMT函數、PPMT函數

PMT函數

1.每個月本息金額  = (本金×月利率×(1＋月利率)＾還款月數)÷ ((1＋月利率)＾還款月數-1)

function pmt(in_rate in number,in_term in number default 0,in_financeAmount in number)
    return number is
    
    pmt_result number;
    monthly_interest_rate number;
    terms number;
    
  begin
    monthly_interest_rate := in_rate;
    terms := in_term;
    pmt_result :=(in_financeAmount*monthly_interest_rate*power(1+monthly_interest_rate,terms))/(power(1+monthly_interest_rate,terms)-1);
    return pmt_result;
  end;

PPMT函數

2.每個月本金 = 本金×月利率×(1+月利率)^(還款月序號-1)÷((1+月利率)^還款月數-1))

function ppmt(in_rate in number,in_term in number default 0,in_financeAmount in number,in_payback_seq in number)
    return number is
    
    ppmt_result number;
    monthly_interest_rate number;
    terms number;
    
  begin
    monthly_interest_rate :=in_rate; 

    terms := in_term; 

    ppmt_result :=(in_financeAmount*monthly_interest_rate*(power(1+monthly_interest_rate,in_payback_seq-1)))/(power(1+monthly_interest_rate,terms)-1);

    return ppmt_result;
  end;