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引き直し計算のサンプル３
平成１１年１月４日に５０万円を年２８％で借り，毎月１万５０００円の返済をして行き，毎年５万円の借り増しをしたとします。６年後の残元金は，４７万４２４１円となります。
| 取引日 |
借入額 |
返済額 |
利率 |
利 息 |
元金
返済額 |
残元金 |
| H11.01.04 |
500,000 |
|
28% |
0 |
|
500,000 |
| H11.01.20 |
|
15,000 |
28% |
6,136 |
8,864 |
491,136 |
| H11.02.20 |
|
15,000 |
28% |
11,679 |
3,321 |
487,815 |
| H11.03.20 |
|
15,000 |
28% |
10,477 |
4,523 |
483,292 |
| H11.04.20 |
|
15,000 |
28% |
11,493 |
3,507 |
479,785 |
| H11.05.20 |
|
15,000 |
28% |
11,041 |
3,959 |
475,826 |
| H11.06.20 |
|
15,000 |
28% |
11,315 |
3,685 |
472,141 |
| H11.07.20 |
|
15,000 |
28% |
10,865 |
4,135 |
468,006 |
| H11.08.20 |
|
15,000 |
28% |
11,129 |
3,871 |
464,135 |
| H11.09.20 |
|
15,000 |
28% |
11,037 |
3,963 |
460,172 |
| H11.10.20 |
|
15,000 |
28% |
10,590 |
4,410 |
455,762 |
| H11.11.20 |
|
15,000 |
28% |
10,838 |
4,162 |
451,600 |
| H11.12.20 |
|
15,000 |
28% |
10,392 |
4,608 |
446,992 |
| H12.01.04 |
50,000 |
|
28% |
5,143 |
0 |
496,992 |
| H12.01.20 |
|
15,000 |
28% |
6,100 |
3,757 |
493,235 |
| H12.02.20 |
|
15,000 |
28% |
11,729 |
3,271 |
489,964 |
| H12.03.20 |
|
15,000 |
28% |
10,900 |
4,100 |
485,864 |
| H12.04.20 |
|
15,000 |
28% |
11,554 |
3,446 |
482,418 |
| H12.05.20 |
|
15,000 |
28% |
11,102 |
3,898 |
478,520 |
| H12.06.20 |
|
15,000 |
28% |
11,379 |
3,621 |
474,899 |
| H12.07.20 |
|
15,000 |
28% |
10,929 |
4,071 |
470,828 |
| H12.08.20 |
|
15,000 |
28% |
11,196 |
3,804 |
467,024 |
| H12.09.20 |
|
15,000 |
28% |
11,106 |
3,894 |
463,130 |
| H12.10.20 |
|
15,000 |
28% |
10,658 |
4,342 |
458,788 |
| H12.11.20 |
|
15,000 |
28% |
10,910 |
4,090 |
454,698 |
| H12.12.20 |
|
15,000 |
28% |
10,464 |
4,536 |
450,162 |
| H13.01.04 |
50,000 |
|
28% |
5,179 |
0 |
500,162 |
| H13.01.20 |
|
15,000 |
28% |
6,138 |
3,683 |
496,479 |
| H13.02.20 |
|
15,000 |
28% |
11,806 |
3,194 |
493,285 |
| H13.03.20 |
|
15,000 |
28% |
10,595 |
4,405 |
488,880 |
| H13.04.20 |
|
15,000 |
28% |
11,625 |
3,375 |
485,505 |
| H13.05.20 |
|
15,000 |
28% |
11,173 |
3,827 |
481,678 |
| H13.06.20 |
|
15,000 |
28% |
11,454 |
3,546 |
478,132 |
| H13.07.20 |
|
15,000 |
28% |
11,003 |
3,997 |
474,135 |
| H13.08.20 |
|
15,000 |
28% |
11,275 |
3,725 |
470,410 |
| H13.09.20 |
|
15,000 |
28% |
11,186 |
3,814 |
466,596 |
| H13.10.20 |
|
15,000 |
28% |
10,738 |
4,262 |
462,334 |
| H13.11.20 |
|
15,000 |
28% |
10,994 |
4,006 |
458,328 |
| H13.12.20 |
|
15,000 |
28% |
10,547 |
4,453 |
453,875 |
| H14.01.04 |
50,000 |
|
28% |
5,222 |
0 |
503,875 |
| H14.01.20 |
|
15,000 |
28% |
6,184 |
3,594 |
500,281 |
| H14.02.20 |
|
15,000 |
28% |
11,897 |
3,103 |
497,178 |
| H14.03.20 |
|
15,000 |
28% |
10,679 |
4,321 |
492,857 |
| H14.04.20 |
|
15,000 |
28% |
11,720 |
3,280 |
489,577 |
| H14.05.20 |
|
15,000 |
28% |
11,266 |
3,734 |
485,843 |
| H14.06.20 |
|
15,000 |
28% |
11,553 |
3,447 |
482,396 |
| H14.07.20 |
|
15,000 |
28% |
11,101 |
3,899 |
478,497 |
| H14.08.20 |
|
15,000 |
28% |
11,379 |
3,621 |
474,876 |
| H14.09.20 |
|
15,000 |
28% |
11,292 |
3,708 |
471,168 |
| H14.10.20 |
|
15,000 |
28% |
10,843 |
4,157 |
467,011 |
| H14.11.20 |
|
15,000 |
28% |
11,105 |
3,895 |
463,116 |
| H14.12.20 |
|
15,000 |
28% |
10,658 |
4,342 |
458,774 |
| H15.01.04 |
50,000 |
|
28% |
5,279 |
0 |
508,774 |
| H15.01.20 |
|
15,000 |
28% |
6,244 |
3,477 |
505,297 |
| H15.02.20 |
|
15,000 |
28% |
12,016 |
2,984 |
502,313 |
| H15.03.20 |
|
15,000 |
28% |
10,789 |
4,211 |
498,102 |
| H15.04.20 |
|
15,000 |
28% |
11,845 |
3,155 |
494,947 |
| H15.05.20 |
|
15,000 |
28% |
11,390 |
3,610 |
491,337 |
| H15.06.20 |
|
15,000 |
28% |
11,684 |
3,316 |
488,021 |
| H15.07.20 |
|
15,000 |
28% |
11,231 |
3,769 |
484,252 |
| H15.08.20 |
|
15,000 |
28% |
11,515 |
3,485 |
480,767 |
| H15.09.20 |
|
15,000 |
28% |
11,433 |
3,567 |
477,200 |
| H15.10.20 |
|
15,000 |
28% |
10,982 |
4,018 |
473,182 |
| H15.11.20 |
|
15,000 |
28% |
11,252 |
3,748 |
469,434 |
| H15.12.20 |
|
15,000 |
28% |
10,803 |
4,197 |
465,237 |
| H16.01.04 |
50,000 |
|
28% |
5,353 |
0 |
515,237 |
| H16.01.20 |
|
15,000 |
28% |
6,324 |
3,323 |
511,914 |
| H16.02.20 |
|
15,000 |
28% |
12,173 |
2,827 |
509,087 |
| H16.03.20 |
|
15,000 |
28% |
11,325 |
3,675 |
505,412 |
| H16.04.20 |
|
15,000 |
28% |
12,019 |
2,981 |
502,431 |
| H16.05.20 |
|
15,000 |
28% |
11,562 |
3,438 |
498,993 |
| H16.06.20 |
|
15,000 |
28% |
11,866 |
3,134 |
495,859 |
| H16.07.20 |
|
15,000 |
28% |
11,411 |
3,589 |
492,270 |
| H16.08.20 |
|
15,000 |
28% |
11,706 |
3,294 |
488,976 |
| H16.09.20 |
|
15,000 |
28% |
11,628 |
3,372 |
485,604 |
| H16.10.20 |
|
15,000 |
28% |
11,175 |
3,825 |
481,779 |
| H16.11.20 |
|
15,000 |
28% |
11,457 |
3,543 |
478,236 |
| H16.12.20 |
|
15,000 |
28% |
11,005 |
3,995 |
474,241 |
（注）データは架空のものです。
では，同じように年１８％に引き直してみましょう。
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