用excel更便捷=-PMT(0.0686/12,12*20,470000)=3604.513393用公式计算的话，计算器还勉强，笔算就费劲了=470000*0.0686/12*(1+0.0686/12)^240/((1+0.0686/12)^240-1)=3604.513393
