{"id":18293,"date":"2025-08-25T19:08:51","date_gmt":"2025-08-25T10:08:51","guid":{"rendered":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/?p=18293"},"modified":"2026-03-18T16:03:53","modified_gmt":"2026-03-18T07:03:53","slug":"rate%e9%96%a2%e6%95%b0%e3%81%ae%e4%bd%bf%e3%81%84%e6%96%b9%ef%bc%9a%e3%83%ad%e3%83%bc%e3%83%b3%e3%82%84%e6%8a%95%e8%b3%87%e3%81%ae%e5%88%a9%e7%8e%87%e3%82%92%e9%80%86%e7%ae%97%e3%81%99%e3%82%8b","status":"publish","type":"post","link":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/18293\/","title":{"rendered":"RATE\u95a2\u6570\u306e\u4f7f\u3044\u65b9\uff1a\u30ed\u30fc\u30f3\u3084\u6295\u8cc7\u306e\u5229\u7387\u3092\u9006\u7b97\u3059\u308b\u65b9\u6cd5"},"content":{"rendered":"<p>RATE\u95a2\u6570\u306f\u3001\u5b9a\u671f\u7684\u306a\u652f\u6255\u3044\u304c\u3042\u308b\u91d1\u878d\u5546\u54c1\u306e\u5229\u7387\u3092\u8a08\u7b97\u3059\u308b\u30a8\u30af\u30bb\u30eb\u306e\u8ca1\u52d9\u95a2\u6570\u3067\u3059\u3002\u30ed\u30fc\u30f3\u306e\u5b9f\u8cea\u5e74\u7387\u306e\u78ba\u8a8d\u3001\u6295\u8cc7\u5546\u54c1\u306e\u5229\u56de\u308a\u8a08\u7b97\u3001\u30ea\u30fc\u30b9\u6599\u7387\u306e\u7b97\u51fa\u306a\u3069\u3001\u69d8\u3005\u306a\u91d1\u878d\u8a08\u7b97\u3067\u6d3b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u6708\u3005\u306e\u652f\u6255\u984d\u3084\u671f\u9593\u3001\u501f\u5165\u984d\u304b\u3089\u5229\u7387\u3092\u9006\u7b97\u3067\u304d\u308b\u305f\u3081\u3001\u91d1\u878d\u5546\u54c1\u306e\u6bd4\u8f03\u691c\u8a0e\u3084\u9069\u6b63\u4fa1\u683c\u306e\u5224\u65ad\u306b\u6d3b\u7528\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u672c\u8a18\u4e8b\u3067\u306f\u3001RATE\u95a2\u6570\u306e\u57fa\u672c\u7684\u306a\u4f7f\u3044\u65b9\u304b\u3089\u5b9f\u8df5\u7684\u306a\u6d3b\u7528\u6cd5\u3001\u8a08\u7b97\u304c\u3046\u307e\u304f\u3044\u304b\u306a\u3044\u5834\u5408\u306e\u5bfe\u51e6\u6cd5\u307e\u3067\u3001\u5177\u4f53\u4f8b\u3092\u4ea4\u3048\u3066\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<div 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#ffff99;\"><b>\u76ee\u6a19\u3068\u3059\u308b\u652f\u6255\u984d\u3084\u671f\u9593\u304b\u3089\u3001\u5fc5\u8981\u306a\u6761\u4ef6\u3092\u9006\u7b97\u3057\u307e\u3059\u3002<\/b><\/span><\/p>\n<div class=\"summary-box\">\n<div class=\"summary-box__title\"><span class=\"summary-box__title_tag\"><strong>\u6708\u3005\u306e\u652f\u6255\u3044\u309210\u4e07\u5186\u4ee5\u5185\u306b\u6291\u3048\u308b\u305f\u3081\u306e\u91d1\u5229\u4e0a\u9650<\/strong><\/span><\/div>\n<ol class=\"summary-box__list summary-box__list--number\">\n<li>RATE\u95a2\u6570\u3067\u91d1\u5229\u3092\u8a08\u7b97\u3059\u308b\u5f0f\u3092\u8a2d\u5b9a<\/li>\n<li>\u30b4\u30fc\u30eb\u30b7\u30fc\u30af\u3067\u6708\u3005\u306e\u652f\u6255\u3044\u304c10\u4e07\u5186\u306b\u306a\u308b\u91d1\u5229\u3092\u63a2\u7d22<\/li>\n<\/ol>\n<\/div>\n<p><strong>\u76ee\u6a19\u5229\u56de\u308a\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306e\u6761\u4ef6\uff1a<\/strong><\/p>\n<p>=RATE(\u671f\u9593, \u53ce\u5165, -\u6295\u8cc7\u984d, \u76ee\u6a19\u984d)<\/p>\n<p>\u3053\u306e\u7d50\u679c\u304c\u76ee\u6a19\u5229\u56de\u308a\u3068\u4e00\u81f4\u3059\u308b\u3088\u3046\u3001\u53ce\u5165\u3084\u671f\u9593\u3092\u8abf\u6574\u3002<\/p>\n<h3>\u611f\u5ea6\u5206\u6790\u306e\u5b9f\u65bd<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u91d1\u5229\u306e\u5909\u5316\u304c\u8fd4\u6e08\u984d\u306b\u4e0e\u3048\u308b\u5f71\u97ff\u3092\u5206\u6790\u3057\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>\u91d1\u5229\u611f\u5ea6\u5206\u6790\u8868\uff1a<\/strong><\/p>\n<p>\u57fa\u6e96\u91d1\u5229: =RATE(360, -100000, 30000000)*12<\/p>\n<p>\u91d1\u5229+0.5%\u6642: =PMT((\u57fa\u6e96\u91d1\u5229+0.5%)\/12, 360, 30000000)<\/p>\n<p>\u6708\u3005\u306e\u5dee\u984d: ==ABS(\u91d1\u5229\u4e0a\u6607\u5f8c)-ABS(\u57fa\u6e96\u8fd4\u6e08\u984d)<\/p>\n<p><strong>\u30c7\u30fc\u30bf\u30c6\u30fc\u30d6\u30eb\u3092\u4f7f\u3063\u305f\u5305\u62ec\u7684\u5206\u6790\uff1a<\/strong><\/p>\n<p>\u884c\uff1a\u91d1\u5229\u306e\u5909\u5316\uff08-1%\uff5e+2%\uff09<\/p>\n<p>\u5217\uff1a\u501f\u5165\u671f\u9593\uff0820\u5e74\u300125\u5e74\u300130\u5e74\u300135\u5e74\uff09<\/p>\n<p>\u5024\uff1a\u6708\u3005\u306e\u8fd4\u6e08\u984d\u307e\u305f\u306f\u7dcf\u8fd4\u6e08\u984d<\/p>\n<h2>RATE\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>RATE\u95a2\u6570\u3067\u3088\u304f\u767a\u751f\u3059\u308b\u30a8\u30e9\u30fc\u306e\u4e00\u3064\u3067\u3001\u89e3\u304c\u898b\u3064\u304b\u3089\u306a\u3044\u5834\u5408\u306b\u8868\u793a\u3055\u308c\u307e\u3059\u3002<\/b><\/span><\/p>\n<p><strong>\u63a8\u5b9a\u5024\u306e\u8abf\u6574\u306b\u3088\u308b\u89e3\u6c7a\uff1a<\/strong><\/p>\n<p>=RATE(\u671f\u9593, \u652f\u6255\u984d, \u73fe\u5728\u4fa1\u5024, \u5c06\u6765\u4fa1\u5024, 0, 0.01)<\/p>\n<p>\u63a8\u5b9a\u5024\u30920.01\uff081%\uff09\u304b\u3089\u59cb\u3081\u3066\u5f90\u3005\u306b\u8abf\u6574<\/p>\n<p><strong>\u7b26\u53f7\u306e\u78ba\u8a8d\uff1a<\/strong><\/p>\n<p>\u501f\u5165\u306e\u5834\u5408: =RATE(\u671f\u9593, -\u652f\u6255\u984d, +\u501f\u5165\u984d)<\/p>\n<p>\u6295\u8cc7\u306e\u5834\u5408: =RATE(\u671f\u9593, +\u53ce\u5165, -\u6295\u8cc7\u984d)<\/p>\n<h3>\u53ce\u675f\u3057\u306a\u3044\u8a08\u7b97\u3078\u306e\u5bfe\u51e6<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u53cd\u5fa9\u8a08\u7b97\u304c\u53ce\u675f\u3057\u306a\u3044\u5834\u5408\u306e\u5bfe\u7b56\u3067\u3059\u3002<\/b><\/span><\/p>\n<p>RATE\u306f2\u56de\u306e\u53cd\u5fa9\u3067\u53ce\u675f\u3057\u306a\u3044\u3068 #NUM! \u3092\u8fd4\u3057\u307e\u3059\u3002\u30aa\u30d7\u30b7\u30e7\u30f3\u753b\u9762\u306e\u300c\u53cd\u5fa9\u8a08\u7b97\u300d\u8a2d\u5b9a\u306f RATE \u306b\u306f\u4f5c\u7528\u3057\u306a\u3044\u305f\u3081\u3001\u4ee5\u4e0b\u306e\u65b9\u6cd5\u3067\u5bfe\u51e6\u3057\u307e\u3059\u3002<\/p>\n<h4><strong>\u25a0 \u63a8\u5b9a\u5024\uff08guess\uff09\u306e\u8abf\u6574<\/strong><\/h4>\n<p>=RATE(\u671f\u9593, \u652f\u6255\u984d, \u73fe\u5728\u4fa1\u5024, \u5c06\u6765\u4fa1\u5024, 0, 0.01) \u00a0 &#8216;guess \u3092 1% \u306b\u8a2d\u5b9a<\/p>\n<p>\u5fc5\u8981\u306b\u5fdc\u3058\u3066 0.05\u30010.10 \u306a\u3069\u8907\u6570\u56de\u8a66\u3059\u3002<\/p>\n<h4><strong>\u25a0 \u7b26\u53f7\u306e\u78ba\u8a8d<\/strong><\/h4>\n<p>\u501f\u5165\u306e\u5834\u5408 : =RATE(\u671f\u9593, **-**\u652f\u6255\u984d, **+**\u501f\u5165\u984d)<\/p>\n<p>\u6295\u8cc7\u306e\u5834\u5408 : =RATE(\u671f\u9593, **+**\u53ce\u5165, **-**\u6295\u8cc7\u984d)<\/p>\n<p><strong>\u4ee3\u66ff\u30a2\u30d7\u30ed\u30fc\u30c1\uff1a<\/strong><\/p>\n<p>=IFERROR(RATE(&#8230;), &#8220;\u8a08\u7b97\u4e0d\u53ef&#8221;)<\/p>\n<p><strong>\u624b\u52d5\u3067\u306e\u8fd1\u4f3c\u5024\u63a2\u7d22\uff1a<\/strong><\/p>\n<p>\u8a66\u884c1: =RATE(&#8230;, 0.05)<\/p>\n<p>\u8a66\u884c2: =RATE(&#8230;, 0.10)<\/p>\n<p>\u8a66\u884c3: =RATE(&#8230;, 0.15)<\/p>\n<h3>\u975e\u73fe\u5b9f\u7684\u306a\u7d50\u679c\u3078\u306e\u5bfe\u5fdc<\/h3>\n<p><span style=\"background-color: #ffff99;\"><b>\u8a08\u7b97\u7d50\u679c\u304c\u975e\u73fe\u5b9f\u7684\u306a\u5024\u306b\u306a\u308b\u5834\u5408\u306e\u30c1\u30a7\u30c3\u30af\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/b><\/span><\/p>\n<h4>\u25a0 \u5358\u4f4d\u306e\u7d71\u4e00\u78ba\u8a8d<\/h4>\n<p><strong>\u540d\u76ee\u5e74\u7387\uff08APR \u76f8\u5f53\uff09<\/strong><\/p>\n<p>\u6708\u5229 \u2192 \u540d\u76ee\u5e74\u5229 :\u00a0 =RATE(&#8230;)*12<\/p>\n<p>\u65e5\u5229 \u2192 \u540d\u76ee\u5e74\u5229 :\u00a0 =RATE(&#8230;)*IF(\u6761\u4ef6=&#8221;Actual\/360&#8243;,360,365)<\/p>\n<p>\u56db\u534a\u671f \u2192 \u540d\u76ee\u5e74\u5229 : =RATE(&#8230;)*4<\/p>\n<p><strong>\u5b9f\u52b9\u5e74\u7387\uff08EAR\uff09<\/strong><\/p>\n<p>\u6708\u5229 \u2192 \u5b9f\u52b9\u5e74\u5229 :\u00a0 =(1+RATE(&#8230;))^12-1<\/p>\n<p>\u65e5\u5229 \u2192 \u5b9f\u52b9\u5e74\u5229 :\u00a0 =(1+RATE(&#8230;))^IF(\u6761\u4ef6=&#8221;Actual\/360&#8243;,360,365)-1<\/p>\n<p>\u56db\u534a\u671f \u2192 \u5b9f\u52b9\u5e74\u5229 : =(1+RATE(&#8230;))^4-1<\/p>\n<p>\u203bExcel \u306e `EFFECT` \u95a2\u6570\u3067\u3082\u8a08\u7b97\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h4>\u25a0 \u59a5\u5f53\u6027\u30c1\u30a7\u30c3\u30af\uff08\u4f8b\uff1a\u6708\u5229\u3092\u60f3\u5b9a\uff09<\/h4>\n<p>=LET(r, RATE(&#8230;), \u00a0 IF(ABS(r*12)&gt;0.5,&#8221;\u8981\u78ba\u8a8d&#8221;, r*12))<\/p>\n<p>RATE \u3092\u4e00\u5ea6\u3060\u3051\u8a08\u7b97\u3057\u300150 % \u8d85\u306a\u3089\u5165\u529b\u30df\u30b9\u3092\u7591\u3044\u307e\u3059\u3002<\/p>\n<h2>RATE\u95a2\u6570\u3067\u5229\u7387\u3092\u9006\u7b97\u3057\u3066\u5224\u65ad\u6750\u6599\u306b\u6d3b\u7528\u3059\u308b<\/h2>\n<p>RATE\u95a2\u6570\u306f\u3001Excel\u3067\u5b9a\u671f\u7684\u306a\u652f\u6255\u984d\u30fb\u671f\u9593\u30fb\u501f\u5165\u984d\u306a\u3069\u304b\u3089\u5229\u7387\u3092\u9006\u7b97\u3067\u304d\u308b\u8ca1\u52d9\u95a2\u6570\u3067\u3001\u30ed\u30fc\u30f3\u6bd4\u8f03\u3084\u6295\u8cc7\u5224\u65ad\u3001\u30ea\u30fc\u30b9\u8a08\u7b97\u306a\u3069\u306b\u5e83\u304f\u4f7f\u308f\u308c\u3066\u3044\u307e\u3059\u3002PMT\u95a2\u6570\u3084PV\u95a2\u6570\u306a\u3069\u3068\u4f75\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u8907\u96d1\u306a\u91d1\u878d\u5546\u54c1\u306e\u6761\u4ef6\u3092\u6574\u7406\u3057\u3001\u5b9f\u8cea\u7684\u306a\u8ca0\u62c5\u3084\u5229\u56de\u308a\u3092\u53ef\u8996\u5316\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u5e74\u5229\u63db\u7b97\u3084\u7b26\u53f7\u306e\u6271\u3044\u306b\u6ce8\u610f\u3057\u306a\u304c\u3089\u4f7f\u3048\u3070\u3001\u30ed\u30fc\u30f3\u306e\u5b9f\u8cea\u5e74\u7387\u3084\u6295\u8cc7\u5546\u54c1\u306e\u5185\u90e8\u5229\u56de\u308a\u306e\u53c2\u8003\u3068\u3057\u3066\u6709\u52b9\u3067\u3059\u3002\u30b4\u30fc\u30eb\u30b7\u30fc\u30af\u3084\u30c7\u30fc\u30bf\u30c6\u30fc\u30d6\u30eb\u3092\u4f7f\u3048\u3070\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u3084\u611f\u5ea6\u5206\u6790\u3082\u53ef\u80fd\u3067\u3001\u8a08\u753b\u3084\u610f\u601d\u6c7a\u5b9a\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002<\/p>\n<p>RATE\u95a2\u6570\u306f\u53cd\u5fa9\u8a08\u7b97\u3092\u884c\u3046\u305f\u3081\u3001\u53ce\u675f\u3057\u306a\u3044\u5834\u5408\u306e\u5bfe\u51e6\u6cd5\u3084\u63a8\u5b9a\u5024\u306e\u8abf\u6574\u304c\u91cd\u8981\u3067\u3059\u3002\u307e\u305f\u3001\u7b26\u53f7\u306e\u8a2d\u5b9a\u30df\u30b9\u3084\u6761\u4ef6\u306e\u4e0d\u6574\u5408\u306b\u3088\u308b#NUM!\u30a8\u30e9\u30fc\u306e\u767a\u751f\u306b\u3082\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u6761\u4ef6\u3092\u6574\u3048\u305f\u3046\u3048\u3067\u6b63\u3057\u304f\u4f7f\u3048\u3070\u3001RATE\u95a2\u6570\u306f\u8cc7\u91d1\u8a08\u753b\u306b\u304a\u3051\u308b\u5f37\u529b\u306a\u5206\u6790\u30c4\u30fc\u30eb\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>RATE\u95a2\u6570\u306f\u3001\u5b9a\u671f\u7684\u306a\u652f\u6255\u3044\u304c\u3042\u308b\u91d1\u878d\u5546\u54c1\u306e\u5229\u7387\u3092\u8a08\u7b97\u3059\u308b\u30a8\u30af\u30bb\u30eb\u306e\u8ca1\u52d9\u95a2\u6570\u3067\u3059\u3002\u30ed\u30fc\u30f3\u306e\u5b9f\u8cea\u5e74\u7387\u306e\u78ba\u8a8d\u3001\u6295\u8cc7\u5546\u54c1\u306e\u5229\u56de\u308a\u8a08\u7b97\u3001\u30ea\u30fc\u30b9\u6599\u7387\u306e\u7b97\u51fa\u306a\u3069\u3001\u69d8\u3005\u306a\u91d1\u878d\u8a08\u7b97\u3067\u6d3b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u6708\u3005\u306e\u652f\u6255\u984d\u3084\u671f\u9593\u3001\u501f\u5165\u984d\u304b\u3089\u5229\u7387 [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[],"class_list":["post-18293","post","type-post","status-publish","format-standard","hentry","category-excel"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/posts\/18293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/comments?post=18293"}],"version-history":[{"count":7,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/posts\/18293\/revisions"}],"predecessor-version":[{"id":18694,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/posts\/18293\/revisions\/18694"}],"wp:attachment":[{"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/media?parent=18293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/categories?post=18293"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/biz.moneyforward.com\/work-efficiency\/basic\/wp-json\/wp\/v2\/tags?post=18293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}