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1、一期二期三期 一本金100,000,000.00100,000,000.00100,000,000.00 银行名义利率 6.900%6.080%6.080% 期限每3个月付本息 *5年每3个月付本息 *5年每3个月付本息 *5年 二期数202020 先付手续费5,000,000.004,000,000.004,000,000.00 先付保证金2,000,000.003,000,000.003,000,000.00 剔除可取得手续费增值税发 票额 -726,495.73-581,196.58-581,196.58 合计6,273,504.276,418,803.426,418,803.42 三基
2、期获得本金93,726,495.7393,581,196.5893,581,196.58 1 本息合计当期还款额-5,839,577.31-5,802,285.77-5,936,396.88 2 本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55 3 本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55 4 本息合计当期还款额-5,954,577.31-5,836,063.55-5,836,063.55 5 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55
3、6 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55 7 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55 8 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55 9 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55 10 本息合计当期还款额-5,895,204.79-5,836,063.55-5,836,063.55 11 本息合计当期还款额-5,895,204.79 -5,836,063.55-5,83
4、6,063.55 12 本息合计当期还款额-5,895,204.79 -5,836,063.55-5,836,063.55 本息合计-116,026,585.88-113,687,493.22-113,821,604.33 按单利计算的名义利率 4.759%4.297%4.326% 每期按复利计算的实际利率2.161%1.977%1.992% 年率8.9263%8.1446%8.2077% 15% 年利率 36 月份数 100000 贷款本金 pmt 函数￥ -3,466.53求月还款额 22% 年利率 36 月份数 100000 贷款本金 单变量求解功能￥ -3,800.00求月还款额 利用
5、这张表，可以 融资租赁实际利率计算表 项目 交行 一期二期 利息 100,000,000.00100,000,000.0050000000 6.650%5.843% 6.976 6个月付息一次 *3年6个月付息一次 *3年每6个月付息一次 667 3,000,000.003,000,000.002200000 5,000,000.003,000,000.003000000 -435,897.44 8,000,000.005,564,102.565,200,000.00- 92,000,000.0094,435,897.4444,800,000.00- -18,659,083.63-18,411
6、,597.18-8,974,083.331,300,248.47 -18,659,083.63-18,411,597.18-8,710,316.891,642,013.89 -18,548,190.42-18,411,597.18-8,463,147.331,375,319.44 -18,548,190.42-18,411,597.18-8,207,679.331,098,841.32 -18,548,190.42-18,411,597.18-7,952,211.33821,543.64 -13,548,190.42-15,411,597.18-7,694,028.89540,425.08 -
7、4,041,275.33264,350.59 -106,510,928.94-107,469,583.08-54,042,742.437,042,742.43 5.258%4.601% 4.513%3.903% 9.2297%7.9594% ￥ -9,999,512.00 ，可以准确的测算融资租赁的实际利率，便于各借款人在各金融机构间选择成本较低者融资 平安租赁招行 利息对应的增值税 合计利息利息对应的增值税 50000000100000000 3个月付息一次 12 只有160 万元有 VAT22000003000000 300000014000000 -232478.6325-232478.
8、6325-435897.44 -232,478.634,967,521.3716,564,102.56 232,478.6345,032,478.6383,435,897.44 188,924.99-8,785,158.34-9,128,333.331,430,462.17207,844.93 238,583.21-8,471,733.68-9,128,333.331,320,347.03191,845.30 199,832.74-8,263,314.59-9,128,333.331,208,656.74175,616.79 159,660.70-8,048,018.63-9,128,333.
9、331,095,368.76159,156.15 119,369.59-7,832,841.74-9,128,333.33980,460.24142,460.04 78,523.30-7,615,505.59-9,128,333.33863,908.00125,525.09 38,409.91-4,002,865.42-9,128,333.33745,688.53108,347.91 -9,128,333.33625,777.9690,925.00 -9,128,333.33504,152.1373,252.87 -9,128,333.33380,786.4855,327.95 -7,628,
10、333.33 255,656.13 37,146.62 -7,628,333.33 128,735.84 18,705.21 1,023,304.46-53,019,437.97# 5.067%7.912% 4.629%-6.257% 9.4727%-12.1224% 者融资。表中数据均为举例数据。如果考虑获得利息的增值税，可参考平安租赁数据。 安租赁测算 合计 100000000 3个月付息一次 12 3,000,000.00 3,000,000.00 -435897.44 5,564,102.56 94,435,897.44 -8,920,488.40 -8,936,488.04 -8,952,716.54 -8,969,177.19 -8,985,873.30 -9,002,808.24 -9,019,985.43 -9,037,408.33 -9,055,080.46 -9,073,005.38 -7,591,186.72 -7,609,628.13 # 3.783% 1.726% 7.0846%