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-\u501f\u5165\u984d)<\/li>\n<li>\u5f53\u6708\u306e\u8ffd\u52a0\u8fd4\u6e08: =IF(OR(MONTH(\u65e5\u4ed8)=6,MONTH(\u65e5\u4ed8)=12), \u8ffd\u52a0\u984d, 0)<\/li>\n<li>\u5229\u606f: =\u524d\u6708\u6b8b\u9ad8*\u6708\u5229<\/li>\n<li>\u5143\u91d1: =\u57fa\u672c\u8fd4\u6e08\u984d + \u5f53\u6708\u306e\u8ffd\u52a0\u8fd4\u6e08 &#8211; \u5229\u606f<\/li>\n<li>\u671f\u672b\u6b8b\u9ad8: =\u524d\u6708\u6b8b\u9ad8 &#8211; \u5143\u91d1<\/li>\n<\/ul>\n<\/div>\n<div class=\"summary-box\">\n<div class=\"summary-box__title\"><span class=\"summary-box__title_tag\"><strong>\u2461\u3010\u4e8c\u672c\u7acb\u3066\u65b9\u5f0f\u3011\uff08\u30dc\u30fc\u30ca\u30b9\u4f75\u7528\u30ed\u30fc\u30f3\u306e\u8fd1\u4f3c\uff09<\/strong><\/span><\/div>\n<ul class=\"summary-box__list summary-box__list\">\n<li>\u6bce\u6708\u8fd4\u6e08\u984d: =PMT(\u5e74\u5229\/12, \u5e74\u6570*12, -\u6bce\u6708\u5145\u5f53\u5143\u672c)<\/li>\n<li>\u30dc\u30fc\u30ca\u30b9\u52a0\u7b97\u984d: =PMT(\u5e74\u5229\/2, \u5e74\u6570*2, -\u30dc\u30fc\u30ca\u30b9\u5145\u5f53\u5143\u672c)<\/li>\n<li>\u501f\u5165\u7dcf\u984d = \u6bce\u6708\u5145\u5f53\u5143\u672c + \u30dc\u30fc\u30ca\u30b9\u5145\u5f53\u5143\u672c\uff0f\u30dc\u30fc\u30ca\u30b9\u6708\u306e\u7dcf\u652f\u6255 = \u6bce\u6708\u8fd4\u6e08\u984d + \u30dc\u30fc\u30ca\u30b9\u52a0\u7b97\u984d<\/li>\n<\/ul>\n<\/div>\n<h3>\u6bd4\u8f03\u8868\u306e\u4f5c\u6210<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u8907\u6570\u306e\u6761\u4ef6\u3092\u4e00\u5ea6\u306b\u6bd4\u8f03\u3057\u305f\u3044\u5834\u5408\u306f\u3001\u30c7\u30fc\u30bf\u30c6\u30fc\u30d6\u30eb\u6a5f\u80fd\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u52b9\u679c\u7684\u306a\u5206\u6790\u304c\u3067\u304d\u307e\u3059\u3002<\/b><\/span><\/p>\n<p>\u501f\u5165\u984d\u3001\u91d1\u5229\u3001\u671f\u9593\u306e3\u8981\u7d20\u3092\u5909\u5316\u3055\u305b\u305f\u5834\u5408\u306e\u8fd4\u6e08\u984d\u4e00\u89a7\u8868\u3092\u4f5c\u6210\u3059\u308b\u3053\u3068\u3067\u3001\u6700\u9069\u306a\u6761\u4ef6\u3092\u8996\u899a\u7684\u306b\u628a\u63e1\u3067\u304d\u307e\u3059\u3002\u884c\u306b\u91d1\u5229\u3001\u5217\u306b\u671f\u9593\u3092\u914d\u7f6e\u3057\u30011\u3064\u306e\u30bb\u30eb\u306b\u3060\u3051PMT\u5f0f\u3092\u4f5c\u308a\u307e\u3059\uff08\u4f8b\uff1a=PMT($B$1\/12,$B$2,-$B$3) \uff1bB1=\u91d1\u5229\u3001B2=\u671f\u9593(\u6708)\u3001B3=\u501f\u5165\u984d\uff09\u3002<\/p>\n<p>\u6bd4\u8f03\u7bc4\u56f2\u3092\u9078\u629e\u3057\u3066 [\u30c7\u30fc\u30bf]\u2192[What-If\u5206\u6790]\u2192[\u30c7\u30fc\u30bf\u30c6\u30fc\u30d6\u30eb] \u3092\u958b\u304d\u3001\u3010\u5217\u306e\u4ee3\u5165\u30bb\u30eb\u3011\u306b\u91d1\u5229\u5165\u529b\u30bb\u30eb\uff08B1\uff09\u3001\u3010\u884c\u306e\u4ee3\u5165\u30bb\u30eb\u3011\u306b\u671f\u9593\u5165\u529b\u30bb\u30eb\uff08B2\uff09\u3092\u6307\u5b9a\u3059\u308b\u3068\u3001\u30de\u30c8\u30ea\u30c3\u30af\u30b9\u304c\u81ea\u52d5\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002<\/p>\n<h3>\u4ed6\u306e\u8ca1\u52d9\u95a2\u6570\u3068\u306e\u9023\u643a<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>PMT\u95a2\u6570\u306f\u4ed6\u306e\u8ca1\u52d9\u95a2\u6570\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u3088\u308a\u8a73\u7d30\u306a\u5206\u6790\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/b><\/span><\/p>\n<p>IPMT\u95a2\u6570\uff08\u5229\u606f\u90e8\u5206\u306e\u8a08\u7b97\uff09\u3084PPMT\u95a2\u6570\uff08\u5143\u672c\u90e8\u5206\u306e\u8a08\u7b97\uff09\u3068\u4f75\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u5404\u671f\u306e\u8fd4\u6e08\u984d\u306e\u5185\u8a33\u3092\u628a\u63e1\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><strong>\u7b2c1\u56de\u76ee\u306e\u652f\u6255\u3044\u306b\u304a\u3051\u308b\u5229\u606f\u90e8\u5206\uff1a<\/strong><\/p>\n<p>=IPMT(\u5229\u7387, 1, \u671f\u9593, \u73fe\u5728\u4fa1\u5024)<\/p>\n<p><strong>\u7b2c1\u56de\u76ee\u306e\u652f\u6255\u3044\u306b\u304a\u3051\u308b\u5143\u672c\u90e8\u5206\uff1a<\/strong><\/p>\n<p>=PPMT(\u5229\u7387, 1, \u671f\u9593, \u73fe\u5728\u4fa1\u5024)<\/p>\n<p>\u3053\u308c\u3089\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u8fd4\u6e08\u671f\u9593\u4e2d\u306e\u5229\u606f\u7dcf\u984d\u3084\u5143\u672c\u306e\u6e1b\u5c11\u63a8\u79fb\u3092\u8a73\u7d30\u306b\u5206\u6790\u3067\u304d\u307e\u3059\u3002<\/p>\n<h2>PMT\u95a2\u6570\u306e\u3088\u304f\u3042\u308b\u30a8\u30e9\u30fc\u3068\u5bfe\u51e6\u6cd5<\/h2>\n<h3>#NUM!\u30a8\u30e9\u30fc\u306e\u89e3\u6c7a<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>PMT\u95a2\u6570\u306e#NUM!\u30a8\u30e9\u30fc\u306f\u3001\u671f\u9593\uff08nper\uff09\u304c0\u4ee5\u4e0b\u306a\u3069\u5f15\u6570\u306e\u4e0d\u6b63\u6307\u5b9a\u304c\u4e3b\u56e0\u3067\u3059\u3002<\/b><\/span><strong>\u5229\u7387\u304c\u30de\u30a4\u30ca\u30b9\u3067\u3042\u308b\u3053\u3068\u81ea\u4f53\u306f#NUM!\u306e\u76f4\u63a5\u539f\u56e0\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/strong> \u307e\u305f\u3001\u8a08\u7b97\u7d50\u679c\u304cExcel\u306e\u8868\u73fe\u53ef\u80fd\u7bc4\u56f2\u3092\u8d85\u3048\u308b\u3068#NUM!\u304c\u8868\u793a\u3055\u308c\u307e\u3059\u3002\u5165\u529b\u5024\u306e\u5358\u4f4d\u3084\u6841\uff08\u5e74\u21c4\u6708\u3001\u5186\u21c4\u4e07\u5186\uff09\u306e\u6574\u5408\u3082\u5408\u308f\u305b\u3066\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002\u5165\u529b\u5024\u3092\u78ba\u8a8d\u3057\u3001\u6b63\u3057\u3044\u6570\u5024\u304c\u5165\u529b\u3055\u308c\u3066\u3044\u308b\u304b\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u307e\u305f\u3001\u8a08\u7b97\u7d50\u679c\u304c\u6975\u7aef\u306b\u5927\u304d\u304f\u306a\u308b\u5834\u5408\u306b\u3082\u767a\u751f\u3059\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u5358\u4f4d\u306e\u9593\u9055\u3044\uff08\u5186\u3068\u4e07\u5186\u306e\u6df7\u540c\u306a\u3069\uff09\u304c\u306a\u3044\u304b\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>#VALUE!\u30a8\u30e9\u30fc\u306e\u5bfe\u51e6<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u5f15\u6570\u306b\u6587\u5b57\u5217\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u5834\u5408\u306b\u767a\u751f\u3059\u308b\u30a8\u30e9\u30fc\u3067\u3059\u3002<\/b><\/span>\u30bb\u30eb\u53c2\u7167\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u53c2\u7167\u5148\u306e\u30bb\u30eb\u306b\u6570\u5024\u4ee5\u5916\u306e\u30c7\u30fc\u30bf\u304c\u5165\u529b\u3055\u308c\u3066\u3044\u306a\u3044\u304b\u78ba\u8a8d\u3057\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u3001\u30d1\u30fc\u30bb\u30f3\u30c8\u8a18\u53f7\uff08%\uff09\u3092\u542b\u3080\u6587\u5b57\u5217\u3068\u3057\u3066\u5165\u529b\u3057\u3066\u3057\u307e\u3046\u30b1\u30fc\u30b9\u304c\u591a\u3044\u305f\u3081\u3001\u6570\u5024\u3068\u3057\u3066\u6b63\u3057\u304f\u5165\u529b\u3055\u308c\u3066\u3044\u308b\u304b\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>\u8a08\u7b97\u7d50\u679c\u306e\u7b26\u53f7\u306b\u95a2\u3059\u308b\u6ce8\u610f\u70b9<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u8a08\u7b97\u7d50\u679c\u306e\u7b26\u53f7\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u7b26\u53f7\u4ed8\u3051\u3067\u6c7a\u307e\u308a\u307e\u3059\uff08\u652f\u6255=\u8ca0\u3001\u53d7\u53d6=\u6b63\uff09\u3002<\/b><\/span>\u8fd4\u6e08\u984d\u3092<strong>\u30d7\u30e9\u30b9\u8868\u793a<\/strong>\u306b\u3057\u305f\u3044\u3068\u304d\u306f\u3001<\/p>\n<div class=\"summary-box\">\n<ul class=\"summary-box__list summary-box__list\">\n<li>\u501f\u5165\u984d\uff08PV\uff09\u3092<strong>\u8ca0\u306e\u5024<\/strong>\u3067\u5165\u529b\u3059\u308b\uff1a=PMT(\u5229\u7387, \u671f\u9593, -\u501f\u5165\u984d, [\u5c06\u6765\u4fa1\u5024], [\u652f\u6255\u671f\u65e5])<\/li>\n<li>\u307e\u305f\u306f\u3001\u5f0f\u306e\u5148\u982d\u306b\u30de\u30a4\u30ca\u30b9\u3092\u4ed8\u3051\u308b\uff0fABS\u3067\u7d76\u5bfe\u5024\u3092\u53d6\u308b\uff1a=-PMT(\u2026)\u3001=ABS(PMT(\u2026))\u3002<\/li>\n<\/ul>\n<\/div>\n<h3>\u5358\u4f4d\u306e\u7d71\u4e00<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u6700\u3082\u91cd\u8981\u306a\u6ce8\u610f\u70b9\u306f\u3001\u5229\u7387\u3068\u671f\u9593\u306e\u5358\u4f4d\u3092\u7d71\u4e00\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/b><\/span>\u6708\u5229\u3068\u5e74\u6570\u3092\u6df7\u5728\u3055\u305b\u308b\u3068\u3001\u6b63\u3057\u3044\u8a08\u7b97\u7d50\u679c\u304c\u5f97\u3089\u308c\u307e\u305b\u3093\u3002<\/p>\n<div class=\"summary-box\">\n<div class=\"summary-box__title\"><span class=\"summary-box__title_tag\"><strong>\u5e74\u52293%\u3067\u6708\u3005\u306e\u652f\u6255\u3044\u3092\u8a08\u7b97\u3059\u308b\u5834\u5408<\/strong><\/span><\/div>\n<ul class=\"summary-box__list 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