Algorithm 住房贷款计算公式（算法）？

银行如何计算住房贷款的付款

比如说,

$1,000,000 at 5.00% over a 25 year period. Monthly payment: $5,845.90 Current Payment To Date Payment -------------------------- ---------------------------------------------- Number Interest Principal Interest Paid Principal Paid Balance 1 $4,166.67 $1,679.23 $4,166.67 $1,679.23 $998,320.77 2 $4,159.67 $1,686.23 $8,326.34 $3,365.46 $996,634.54 3 $4,152.64 $1,693.26 $12,478.98 $5,058.72 $994,941.28 4 $4,145.59 $1,700.31 $16,624.57 $6,759.03 $993,240.97 5 $4,138.50 $1,707.40 $20,763.07 $8,466.43 $991,533.57 6 $4,131.39 $1,714.51 $24,894.46 $10,180.94 $989,819.06 7 $4,124.25 $1,721.65 $29,018.71 $11,902.59 $988,097.41 8 $4,117.07 $1,728.83 $33,135.78 $13,631.42 $986,368.58 9 $4,109.87 $1,736.03 $37,245.65 $15,367.45 $984,632.55 10 $4,102.64 $1,743.26 $41,348.29 $17,110.71 $982,889.29 在25年内以5.00%的价格支付1000000美元。 每月付款：5845.90美元 当前付款日期 付款---------------------------------------------------------------- 已付利息本金已付余额 1 $4,166.67 $1,679.23 $4,166.67 $1,679.23 $998,320.77 2 $4,159.67 $1,686.23 $8,326.34 $3,365.46 $996,634.54 3 $4,152.64 $1,693.26 $12,478.98 $5,058.72 $994,941.28 4 $4,145.59 $1,700.31 $16,624.57 $6,759.03 $993,240.97 5 $4,138.50 $1,707.40 $20,763.07 $8,466.43 $991,533.57 6 $4,131.39 $1,714.51 $24,894.46 $10,180.94 $989,819.06 7 $4,124.25 $1,721.65 $29,018.71 $11,902.59 $988,097.41 8 $4,117.07 $1,728.83 $33,135.78 $13,631.42 $986,368.58 9 $4,109.87 $1,736.03 $37,245.65 $15,367.45 $984,632.55 10 $4,102.64 $1,743.26 $41,348.29 $17,110.71 $982,889.29

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我试图在Excel中进行同样的计算，但我得到了另一个数字…

算法已经很好地显示和讨论（在Javascript中）--在Excel的VBA、Javascript、Ruby中实现完全相同的算法，无论什么，您都会得到几乎相同的结果！-）

您在Excel中看到的差异可能与复利的计算方式有关。大多数银行每天都会加收复利（这样他们就能得到更多的钱）

维基百科的文章对美国银行使用的等式进行了详细的描述。你可以把它编出来。

神奇的词语是