住房贷款计算公式（算法）？

例如，

 
$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

我试图做同样的计算方法在Excel中，但我得到另一个数字...

来源

2009-09-17 Dmitriy