融資租賃實(shí)際利率計(jì)算表,,,利用這張表，可以準(zhǔn)確的測(cè)算融資租賃的實(shí)際利率，便于各借款人在各金融機(jī)構(gòu)間選擇成本較低者融資。表中數(shù)據(jù)均為舉例數(shù)據(jù)。如果考慮獲得利息的增值稅，可參考平安租賃數(shù)據(jù)。,,,,,,,,,,,

,項(xiàng)目,交行,,,招行,,平安租賃,,,,測(cè)算,,,

,,一期,二期,三期,一期,二期,,利息,利息對(duì)應(yīng)的增值稅,合計(jì),,利息,利息對(duì)應(yīng)的增值稅,合計(jì)

一,本金,"100,000,000.00","100,000,000.00","100,000,000.00","100,000,000.00","100,000,000.00",50000000,,,50000000,100000000,,,100000000

,銀行名義利率,6.900%,6.080%,6.080%,6.650%,5.843%,6.976,,,,,,,

,期限,每3個(gè)月付本息*5年,每3個(gè)月付本息*5年,每3個(gè)月付本息*5年,6個(gè)月付息一次*3年,6個(gè)月付息一次*3年,每6個(gè)月付息一次,,,,3個(gè)月付息一次,,,3個(gè)月付息一次

二,期數(shù),20,20,20,6,6,7,,,,12,,,12

,先付手續(xù)費(fèi),"5,000,000.00","4,000,000.00","4,000,000.00","3,000,000.00","3,000,000.00",2200000,,只有160萬(wàn)元有VAT,2200000,3000000,,,"3,000,000.00"

,先付保證金,"2,000,000.00","3,000,000.00","3,000,000.00","5,000,000.00","3,000,000.00",3000000,,,3000000,14000000,,,"3,000,000.00"

,剔除可取得手續(xù)費(fèi)增值稅發(fā)票額,"-726,495.73","-581,196.58","-581,196.58",,"-435,897.44",,,-232478.6325,-232478.6325,-435897.44,,,-435897.44

,合計(jì),"6,273,504.27","6,418,803.42","6,418,803.42","8,000,000.00","5,564,102.56","5,200,000.00",-,"-232,478.63","4,967,521.37","16,564,102.56",,,"5,564,102.56"

三,基期獲得本金,"93,726,495.73","93,581,196.58","93,581,196.58","92,000,000.00","94,435,897.44","44,800,000.00",-,"232,478.63","45,032,478.63","83,435,897.44",,,"94,435,897.44"

1,本息合計(jì)當(dāng)期還款額,"-5,839,577.31","-5,802,285.77","-5,936,396.88","-18,659,083.63","-18,411,597.18","-8,974,083.33","1,300,248.47","188,924.99","-8,785,158.34","-9,128,333.33","1,430,462.17","207,844.93","-8,920,488.40"

2,本息合計(jì)當(dāng)期還款額,"-5,954,577.31","-5,836,063.55","-5,836,063.55","-18,659,083.63","-18,411,597.18","-8,710,316.89","1,642,013.89","238,583.21","-8,471,733.68","-9,128,333.33","1,320,347.03","191,845.30","-8,936,488.04"

3,本息合計(jì)當(dāng)期還款額,"-5,954,577.31","-5,836,063.55","-5,836,063.55","-18,548,190.42","-18,411,597.18","-8,463,147.33","1,375,319.44","199,832.74","-8,263,314.59","-9,128,333.33","1,208,656.74","175,616.79","-8,952,716.54"

4,本息合計(jì)當(dāng)期還款額,"-5,954,577.31","-5,836,063.55","-5,836,063.55","-18,548,190.42","-18,411,597.18","-8,207,679.33","1,098,841.32","159,660.70","-8,048,018.63","-9,128,333.33","1,095,368.76","159,156.15","-8,969,177.19"

5,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55","-18,548,190.42","-18,411,597.18","-7,952,211.33","821,543.64","119,369.59","-7,832,841.74","-9,128,333.33","980,460.24","142,460.04","-8,985,873.30"

6,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55","-13,548,190.42","-15,411,597.18","-7,694,028.89","540,425.08","78,523.30","-7,615,505.59","-9,128,333.33","863,908.00","125,525.09","-9,002,808.24"

7,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,"-4,041,275.33","264,350.59","38,409.91","-4,002,865.42","-9,128,333.33","745,688.53","108,347.91","-9,019,985.43"

8,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,"-9,128,333.33","625,777.96","90,925.00","-9,037,408.33"

9,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,"-9,128,333.33","504,152.13","73,252.87","-9,055,080.46"

10,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,"-9,128,333.33","380,786.48","55,327.95","-9,073,005.38"

11,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,"-7,628,333.33","255,656.13","37,146.62","-7,591,186.72"

12,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,"-7,628,333.33","128,735.84","18,705.21","-7,609,628.13"

13,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

14,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

15,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

16,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

17,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

18,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

19,本息合計(jì)當(dāng)期還款額,"-5,895,204.79","-5,836,063.55","-5,836,063.55",,,,,,,,,,

20,本息合計(jì)當(dāng)期還款額,"-3,895,204.79","-2,836,063.55","-2,836,063.55",,,,,,,,,,

,本息合計(jì),"-116,026,585.88","-113,687,493.22","-113,821,604.33","-106,510,928.94","-107,469,583.08","-54,042,742.43","7,042,742.43","1,023,304.46","-53,019,437.97","-106,540,000.00",,,"-105,153,846.15"

,按單利計(jì)算的名義利率,4.759%,4.297%,4.326%,5.258%,4.601%,,,,5.067%,7.912%,,,3.783%

,每期按復(fù)利計(jì)算的實(shí)際利率,2.161%,1.977%,1.992%,4.513%,3.903%,,,,4.629%,-6.257%,,,1.726%

,年率,8.9263%,8.1446%,8.2077%,9.2297%,7.9594%,,,,9.4727%,-12.1224%,,,7.0846%

,,,,,,,,,,,,,,,