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金程教育吳老師助教
2018-08-27 10:41
該回答已被題主采納
學員你好。根據公式SMM = (prepayment/beg. bal – scheduled principal payment) 。分母是期初本金余額-本期計劃償還本金余額
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追問
分母我知道要減，分子為嘛要減呢
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追答
Prepayment = actual payment – scheduled payment = ($10,500,000 – $9,800,000) – $54,800 = $700,000 – $54,800 = $645,200
提前償還金額=本期真實償還金額-本期計劃償還金額=（期初賬戶余額-期末賬戶余額）-本期計劃償還金額 -
追問
明白了，謝謝
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追答
不客氣
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