# \u6295\u8cc7\u5206\u6790\u306e\u6975\u610f\uff01\u4e2d\u7d1a\u8005\u5411\u3051PMT\u3001FV\u95a2\u6570\u6d3b\u7528\u30c6\u30af\u30cb\u30c3\u30af<\/p>\n
## \u3059\u3050\u306b\u8a66\u305b\u308b\uff01PMT\u95a2\u6570\u3068FV\u95a2\u6570\u306e\u5b9f\u8df5\u7684\u306a\u4f7f\u3044\u65b9<\/p>\n
\u4e2d\u7d1a\u8005\u304c\u696d\u52d9\u3092\u52b9\u7387\u5316\u3059\u308b\u305f\u3081\u306b\u3001\u4eca\u3059\u3050\u8a66\u305b\u308b\u5177\u4f53\u7684\u306a\u95a2\u6570\u6d3b\u7528\u6cd5\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n
**PMT\u95a2\u6570\u306e\u57fa\u672c\u5f62\uff1a** `=PMT(\u5229\u7387, \u671f\u9593, \u73fe\u5728\u4fa1\u5024, \u5c06\u6765\u4fa1\u5024, \u652f\u6255\u6642\u671f)`<\/p>\n
\u4f8b\u3048\u3070\u3001\u6708\u52290.5%\u3067120\u30f6\u6708\u306e\u30ed\u30fc\u30f3\u3092\u7d44\u307f\u3001\u73fe\u5728\u4fa1\u50241,000\u4e07\u5186\u306e\u5834\u5408\u3001\u6bce\u6708\u306e\u8fd4\u6e08\u984d\u3092\u8a08\u7b97\u3059\u308b\u306a\u3089\uff1a
\n`=PMT(0.5%, 120, -10000000)` \u3067\u7d04111,100\u5186\u3068\u5373\u5ea7\u306b\u7b97\u51fa\u3067\u304d\u307e\u3059\u3002<\/p>\n
**FV\u95a2\u6570\u306e\u57fa\u672c\u5f62\uff1a** `=FV(\u5229\u7387, \u671f\u9593, \u5b9a\u671f\u652f\u6255\u984d, \u73fe\u5728\u4fa1\u5024, \u652f\u6255\u6642\u671f)`<\/p>\n
\u6708\u52290.5%\u3067120\u30f6\u6708\u3001\u6bce\u670850,000\u5186\u3092\u7a4d\u7acb\u3066\u305f\u5834\u5408\u306e\u5c06\u6765\u4fa1\u5024\u306f\uff1a
\n`=FV(0.5%, 120, -50000)` \u3067\u7d046,800\u4e07\u5186\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n
\u3053\u308c\u3089\u306eExcel \u95a2\u6570\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u8907\u96d1\u306a\u6295\u8cc7\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u6570\u79d2\u3067\u5b8c\u6210\u3057\u307e\u3059\u3002<\/p>\n
—<\/p>\n
## \u30dd\u30a4\u30f3\u30c81\uff1aPMT\u95a2\u6570\u3067\u6295\u8cc7\u30ed\u30fc\u30f3\u8a08\u753b\u306e\u610f\u601d\u6c7a\u5b9a\u3092\u52a0\u901f\u5316<\/p>\n
\u6295\u8cc7\u5206\u6790\u3067\u306f\u3001\u878d\u8cc7\u3092\u53d7\u3051\u3066\u7269\u4ef6\u3084\u4e8b\u696d\u3092\u8cfc\u5165\u3059\u308b\u5834\u5408\u304c\u591a\u304f\u3042\u308a\u307e\u3059\u3002\u3053\u3053\u3067PMT\u95a2\u6570\u304c\u5a01\u529b\u3092\u767a\u63ee\u3057\u307e\u3059\u3002<\/p>\n
PMT\u95a2\u6570\u306f\u3001\u501f\u5165\u91d1\u3092\u4e00\u5b9a\u671f\u9593\u3067\u5747\u7b49\u8fd4\u6e08\u3059\u308b\u5834\u5408\u306e\u6bce\u6708\u8fd4\u6e08\u984d\u3092\u81ea\u52d5\u8a08\u7b97\u3057\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u63d0\u793a\u3055\u308c\u305f\u91d1\u5229\u3068\u8fd4\u6e08\u671f\u9593\u3092\u5165\u529b\u3059\u308b\u3060\u3051\u3067\u3001\u624b\u8a08\u7b97\u3084\u8907\u96d1\u306a\u516c\u5f0f\u306b\u983c\u308b\u3053\u3068\u306a\u304f\u6b63\u78ba\u306a\u6570\u5b57\u304c\u5f97\u3089\u308c\u308b\u306e\u3067\u3059\u3002<\/p>\n
\u5b9f\u52d9\u7684\u306b\u306f\u3001\u8907\u6570\u306e\u30ed\u30fc\u30f3\u6761\u4ef6\u3092\u6bd4\u8f03\u691c\u8a0e\u3059\u308b\u5834\u9762\u3067\u7279\u306b\u6709\u52b9\u3067\u3059\u3002A\u9280\u884c\u306f\u91d1\u52293%\u306725\u5e74\u3001B\u9280\u884c\u306f\u91d1\u52292.8%\u306720\u5e74\u3068\u3044\u3063\u305f\u7570\u306a\u308b\u6761\u4ef6\u3092\u3001\u4e00\u5ea6\u306b\u6bd4\u8f03\u8868\u3067\u6574\u7406\u3067\u304d\u307e\u3059\u3002PMT\u95a2\u6570\u3067\u5404\u6761\u4ef6\u306e\u6bce\u6708\u8fd4\u6e08\u984d\u3092\u7b97\u51fa\u3057\u3001\u7dcf\u8fd4\u6e08\u984d\u3092\u8a08\u7b97\u3059\u308c\u3070\u3001\u3069\u3061\u3089\u304c\u6709\u5229\u304b\u4e00\u76ee\u77ad\u7136\u3067\u3059\u3002<\/p>\n
\u307e\u305f\u3001Excel \u95a2\u6570\u306e\u7279\u6027\u3092\u6d3b\u304b\u3057\u3066\u3001\u5229\u7387\u30b9\u30e9\u30a4\u30c0\u30fc\u3092\u8a2d\u5b9a\u3059\u308c\u3070\u3001\u300c\u91d1\u5229\u304c0.1%\u4e0a\u304c\u3063\u305f\u3089\u3044\u304f\u3089\u5897\u3048\u308b\u304b\u300d\u3068\u3044\u3046\u611f\u5ea6\u5206\u6790\u203b\u3082\u77ac\u6642\u306b\u884c\u3048\u307e\u3059\u3002<\/p>\n
\u203b\u611f\u5ea6\u5206\u6790\u3068\u306f\u3001\u7279\u5b9a\u306e\u5909\u6570\u304c\u5909\u308f\u3063\u305f\u5834\u5408\u306b\u7d50\u679c\u304c\u3069\u3046\u5909\u308f\u308b\u304b\u3092\u5206\u6790\u3059\u308b\u624b\u6cd5\u3067\u3059\u3002<\/p>\n
—<\/p>\n
## \u30dd\u30a4\u30f3\u30c82\uff1aFV\u95a2\u6570\u3067\u9577\u671f\u8cc7\u7523\u5f62\u6210\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u53ef\u8996\u5316<\/p>\n
\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066\u300c\u5c06\u6765\u3044\u304f\u3089\u8caf\u307e\u308b\u306e\u304b\u300d\u3068\u3044\u3046\u554f\u984c\u306f\u6700\u5927\u306e\u95a2\u5fc3\u4e8b\u3067\u3059\u3002FV\u95a2\u6570\u306f\u307e\u3055\u306b\u3053\u306e\u30cb\u30fc\u30ba\u306b\u5fdc\u3048\u307e\u3059\u3002<\/p>\n
\u5b9a\u671f\u7684\u306a\u7a4d\u7acb\u6295\u8cc7\u306e\u8907\u5229\u52b9\u679c\u203b\u3092\u6b63\u78ba\u306b\u8a08\u7b97\u3067\u304d\u308b\u306e\u304cFV\u95a2\u6570\u306e\u5f37\u307f\u3067\u3059\u3002\u4f8b\u3048\u3070\u3001\u6bce\u670810\u4e07\u5186\u3092\u5e74\u52293%\u306730\u5e74\u9593\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\u306e\u6700\u7d42\u984d\u3092\u3001\u624b\u8a08\u7b97\u306a\u3057\u3067\u4e00\u77ac\u3067\u6c42\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n
\u3055\u3089\u306b\u6d3b\u7528\u3092\u9032\u3081\u308b\u3068\u3001\u8907\u6570\u306e\u30b7\u30ca\u30ea\u30aa\u6bd4\u8f03\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u300c\u6bce\u670810\u4e07\u5186\u306730\u5e74\u300d\u300c\u6bce\u670815\u4e07\u5186\u306725\u5e74\u300d\u300c\u6bce\u670812\u4e07\u5186\u306728\u5e74\u300d\u3068\u3044\u3063\u305f\u7570\u306a\u308b\u7a4d\u7acb\u30d1\u30bf\u30fc\u30f3\u3092\u4e00\u5ea6\u306b\u691c\u8a3c\u3057\u3001\u540c\u3058\u76ee\u6a19\u8cc7\u7523\u984d\u306b\u5230\u9054\u3059\u308b\u305f\u3081\u306e\u6700\u9069\u306a\u6226\u7565\u3092\u898b\u3064\u3051\u3089\u308c\u308b\u306e\u3067\u3059\u3002<\/p>\n
\u4e2d\u7d1a\u8005\u3053\u305d\u3001\u3053\u306e\u30b7\u30ca\u30ea\u30aa\u6a5f\u80fd\u203b\u3092\u99c6\u4f7f\u3059\u308b\u3053\u3068\u3067\u3001\u4f9d\u983c\u8005\u3084\u4e0a\u53f8\u3078\u306e\u8aac\u5f97\u529b\u3042\u308b\u63d0\u6848\u8cc7\u6599\u304c\u4f5c\u6210\u3067\u304d\u307e\u3059\u3002\u5358\u306a\u308b\u6570\u5b57\u3060\u3051\u3067\u306a\u304f\u3001\u8907\u6570\u306e\u9078\u629e\u80a2\u3092\u793a\u3059\u3053\u3068\u3067\u3001\u610f\u601d\u6c7a\u5b9a\u306e\u8cea\u304c\u5287\u7684\u306b\u5411\u4e0a\u3057\u307e\u3059\u3002<\/p>\n
\u203b\u8907\u5229\u52b9\u679c\u3068\u306f\u3001\u5229\u606f\u304c\u5229\u606f\u3092\u751f\u3080\u52b9\u679c\u3067\u3059\u3002
\n\u203b\u30b7\u30ca\u30ea\u30aa\u6a5f\u80fd\u3068\u306f\u3001\u7570\u306a\u308b\u6761\u4ef6\u3067\u8907\u6570\u306e\u8a08\u7b97\u7d50\u679c\u3092\u7ba1\u7406\u3059\u308b\u6a5f\u80fd\u3067\u3059\u3002<\/p>\n
—<\/p>\n
## \u30dd\u30a4\u30f3\u30c83\uff1aPMT\u95a2\u6570\u3068FV\u95a2\u6570\u306e\u878d\u5408\u3067\u6295\u8cc7ROI\u5206\u6790\u3092\u5b8c\u6210\u3055\u305b\u308b<\/p>\n
\u6700\u7d42\u7684\u306a\u6bb5\u968e\u3068\u3057\u3066\u3001PMT\u95a2\u6570\u3068FV\u95a2\u6570\u3092\u540c\u4e00\u30b7\u30fc\u30c8\u5185\u3067\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u771f\u306e\u6295\u8cc7\u5206\u6790\u304c\u5b9f\u73fe\u3057\u307e\u3059\u3002<\/p>\n
\u4f8b\u3048\u3070\u3001\u4e0d\u52d5\u7523\u6295\u8cc7\u3092\u60f3\u5b9a\u3057\u307e\u3057\u3087\u3046\u3002\u8cfc\u5165\u4fa1\u683c1\u5104\u5186\u300120\u5e74\u30ed\u30fc\u30f3\u3001\u91d1\u52292.5%\u306e\u5834\u5408\u3001PMT\u95a2\u6570\u3067\u6708\u3005\u306e\u8fd4\u6e08\u984d\u3092\u7b97\u51fa\u3057\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u6bce\u6708\u306e\u5bb6\u8cc3\u53ce\u5165\u304cFV\u95a2\u6570\u306720\u5e74\u5f8c\u3044\u304f\u3089\u306b\u306a\u308b\u304b\u3092\u8a08\u7b97\u3002\u305d\u306e\u5dee\u5206\u304c\u7d14\u5229\u76ca\u3068\u306a\u308a\u3001ROI\uff08\u6295\u8cc7\u5229\u76ca\u7387\uff09\u203b\u304c\u7b97\u51fa\u3055\u308c\u307e\u3059\u3002<\/p>\n
\u3055\u3089\u306b\u5fdc\u7528\u3059\u308c\u3070\u3001\u8907\u6570\u306e\u6295\u8cc7\u7269\u4ef6\u3092\u4e00\u5ea6\u306b\u6bd4\u8f03\u691c\u8a0e\u3059\u308b\u30de\u30c8\u30ea\u30c3\u30af\u30b9\u3092\u69cb\u7bc9\u3067\u304d\u307e\u3059\u3002Excel \u95a2\u6570\u306e\u53c2\u7167\u6a5f\u80fd\u3092\u6d3b\u304b\u3057\u3001\u57fa\u672c\u30c7\u30fc\u30bf\u3092\u5909\u3048\u308b\u3060\u3051\u3067\u5168\u4f53\u306e\u8a08\u7b97\u304c\u81ea\u52d5\u66f4\u65b0\u3055\u308c\u308b\u4ed5\u7d44\u307f\u3092\u4f5c\u308b\u3053\u3068\u3067\u3001\u624b\u9593\u3092\u304b\u3051\u305a\u306b\u5fb9\u5e95\u7684\u306a\u6bd4\u8f03\u5206\u6790\u304c\u5b9f\u73fe\u3059\u308b\u306e\u3067\u3059\u3002<\/p>\n
\u4e2d\u7d1a\u8005\u306b\u3068\u3063\u3066\u91cd\u8981\u306a\u306e\u306f\u3001\u300c\u30c4\u30fc\u30eb\u3068\u3057\u3066\u306eExcel\u3092\u3044\u304b\u306b\u4f7f\u3044\u3053\u306a\u3059\u304b\u300d\u3067\u3059\u3002\u5358\u72ec\u306e\u95a2\u6570\u3067\u306f\u306a\u304f\u3001\u8907\u6570\u306eExcel \u95a2\u6570\u3092\u7d71\u5408\u7684\u306b\u6d3b\u7528\u3059\u308b\u601d\u8003\u304c\u3001\u696d\u52d9\u306e\u52b9\u7387\u5316\u3068\u5206\u6790\u7cbe\u5ea6\u306e\u5411\u4e0a\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002<\/p>\n
\u203bROI\u3068\u306f\u3001\u6295\u8cc7\u3057\u305f\u8cc7\u91d1\u306b\u5bfe\u3059\u308b\u5229\u76ca\u306e\u5272\u5408\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
# \u6295\u8cc7\u5206\u6790\u306e\u6975\u610f\uff01\u4e2d\u7d1a\u8005\u5411\u3051PMT\u3001FV\u95a2\u6570\u6d3b\u7528\u30c6\u30af\u30cb\u30c3\u30af ## \u3059\u3050\u306b\u8a66\u305b\u308b\uff01PMT\u95a2\u6570\u3068FV\u95a2\u6570\u306e\u5b9f\u8df5\u7684\u306a\u4f7f\u3044\u65b9 \u4e2d\u7d1a\u8005\u304c\u696d\u52d9\u3092\u52b9\u7387\u5316\u3059\u308b\u305f\u3081\u306b\u3001\u4eca\u3059\u3050\u8a66\u305b\u308b\u5177\u4f53\u7684\u306a\u95a2\u6570\u6d3b\u7528\u6cd5\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002 **PMT\u95a2\u6570\u306e\u57fa\u672c<\/p>\n","protected":false},"author":2,"featured_media":838,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-intermediate"],"_links":{"self":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts\/839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/comments?post=839"}],"version-history":[{"count":0,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/posts\/839\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/media\/838"}],"wp:attachment":[{"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/media?parent=839"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/categories?post=839"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hajidai.com\/excel\/wp-json\/wp\/v2\/tags?post=839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}