Recently nothing else, wanted a title:
A credit card is to have a bank, then the bank promotions, giving A low-interest loans, loan - $ 40,000 monthly interest rate is 0.38%, repayment in 12 equal installments, included in the credit card account after the month the loan, the repayment date repayment next month, credit card billing cycle is 45 days.
This time he found out that other sources Greig was Facilitation 3% monthly financial Facilitation 3.8%, 3.9% Facilitation financial bimonthly, quarterly financial years cases of 4.2%, 4.5% for the half year financial Facilitation, Facilitation financial year 5%.
He wanted to apply for the low-interest loans, and then put into financial channels make the difference. Ask if he can profit.
I code is very weak, but I figured excel, as follows:
Borrowing X 40000.00
monthly interest Y 0.38%
Installment Q 12
Facilitation N 4.56%
of the total Z 41824
the monthly H 3485.33
2005 This B 3333.33
per month F 152.00
That A fixed repayment 3485.33 yuan per month.
Suppose, A sufficiently with enough credit card billing period 45 days, then A must be 40,000 yuan loan into 12 parts, each of different sizes, respectively, H1-H12. Then H1-H12 is not the same length into financial channels, also taken after the expiration month repayment. So the limit, A financial plan can be discharged the following:
the far left is the month
M1 as requiring repayment of the month, 0.5 and the like are financial channels expiry time of payment point
Well, you can start the calculation.
A first part will H1 financial amount deposited in a single month, after the expiration of interest + principal amount equal to the payments 3485.33.
Then apply the formula
H1 + principal (H1 × monthly principal financial Facilitation) /12=3485.33
solution of give principal H1 = 3474.33
同理，H2份金额存入双月理财中，到期后利息+本金等于3485.33的还款额。
那么套用公式
H2本金+（H2本金×双月理财年利）/6=3485.33
解之，得H1本金=3462.25
那么第四个月怎么还款呢？
第四个月的还款金额甲可以通过1次季度理财+1次单月理财得到
就是
（（H4本金+（H4本金×季度理财年利）/4）×单月理财年利/12）+（H4本金+（H4本金×季度理财年利）/4）=3485.33
解之，得H4=3438.23
其余月份同理。
那么依次将1~12月需投入的本金算出来：
1月—3474.331284
2月—3462.251656
3月—3449.117599
4月—3438.229871
5月—3426.27576
6月—3408.638957
7月—3397.879007
8月—3386.065189
9月—3373.220145
10月—3362.572001
11月—3350.880939
12月—3319.365079
总共需投入本金40848.82749元
比贷款得到的4万元还多，亏大发了
那么，这一年下来，甲得到的利息大概是多少呢？
算了一下，大概是975.17元，年化利率大约是2.38%
So, how much interest is lower, A to profits?
After execl, the needs of less than 0.2% monthly interest
should no bank has such loans, ha ha ~
After have time to write a piece of code
