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[null,"要清偿学生贷款或投资？"]
[null,"多余资金用于清偿贷款或投资",null,null,{"v":200,"d":"¥200"}]
[null,"学生贷款信息",null,null,"投资信息"]
[null,"贷款余额",{"v":40000,"d":"¥40,000"},null,"目前投资金额",null,{"v":5000,"d":"¥5,000"}]
[null,"年利率",{"v":0.048,"d":"4.80%"},null,"年度收益率",null,{"v":0.08,"d":"8.00%"}]
[null,"目前每月还款",{"v":400,"d":"¥400"}]
[null,"选项 A：使用多余资金额外清偿贷款"]
[null," ","初始计划","含额外还款","学生贷款清偿储蓄"]
[null,"每月还款",{"$f":"目前每月还款","v":{"v":400,"d":"¥400"}},{"$f":"IFERROR(目前每月还款+ExtraFund,\"\")","v":{"v":600,"d":"¥600"}}]
[null,"贷款还款",{"$f":"IFERROR(NPER(年利率/12,C9,-贷款余额)/12,\"\")","v":{"v":10.663470734821898,"d":"10.7 年"}},{"$f":"IFERROR(NPER(年利率/12,D9,-贷款余额)/12,\"\")","v":{"v":6.47447553011527,"d":"6.5 年"}},{"$f":"IFERROR(OriginalYearsLoanRepayment-ImprovedYearsLoanRepayment,\"\")","v":{"v":4.188995204706628,"d":"4.2 年"}}]
[null,"已付利息",{"$f":"IFERROR(-CUMIPMT(年利率/12,OriginalYearsLoanRepayment*12,贷款余额,1,OriginalYearsLoanRepayment*12,0),\"\")","v":{"v":11183.156329182006,"d":"¥11,183"}},{"$f":"IFERROR(-CUMIPMT(年利率/12,ImprovedYearsLoanRepayment*12,贷款余额,1,ImprovedYearsLoanRepayment*12,0),\"\")","v":{"v":6614.818940230085,"d":"¥6,615"}},{"$f":"IFERROR(C11-D11,\"\")","v":{"v":4568.337388951921,"d":"¥4,568"}}]
[null,"贷款还款期间的投资增长",null,{"$f":"IFERROR(FV(年度收益率/12,ImprovedYearsLoanRepayment*12,0,-目前投资金额),\"\")","v":{"v":8378.568389495107,"d":"¥8,379"}}]
[null,{"$f":"IF(D12=\"\",\"\",TEXT(目前投资金额,\"￥#,##0\") &\"的初始资金 \" &  \"。在贷款还贷\" & TEXT(ImprovedYearsLoanRepayment,\"0.0\") & \"年期间没有其他每月资金\")","v":"¥5,000的初始资金 。在贷款还贷6.5年期间没有其他每月资金"}]
[null,"贷款还款后的投资增长",null,{"$f":"IFERROR(FV(年度收益率/12,E10*12,-IncreasedMonthlyPayment,-D12),\"\")","v":{"v":47390.944355082494,"d":"¥47,391"}}]
[null,{"$f":"IF(TotalFundsOptionA=\"\",\"\",TEXT(D12,\"￥#,##0\") &\"的初始资金。\" &  TEXT(E10,\"0.0\") & \"年\"& \"每月投资\" & TEXT(IncreasedMonthlyPayment,\"￥0\") )","v":"¥8,379的初始资金。4.2年每月投资¥600"}]
[null,"选项 B：投资额外资金"]
[null,{"$f":"TEXT(C10,\"0.0\") & \"年的投资增长\"","v":"10.7年的投资增长"},null,{"$f":"IFERROR(-FV(年度收益率/12,OriginalYearsLoanRepayment*12,ExtraFund,目前投资金额),\"\")","v":{"v":51907.83923315416,"d":"¥51,908"}}]
[null,{"$f":"IF(TotalFundsOptionB=\"\",\"\", TEXT(目前投资金额,\"￥#,##\") &\"的初始资金。\"& TEXT(OriginalYearsLoanRepayment,\"0.0\") & \"年\" & \"每月投资\" & TEXT(ExtraFund,\"￥0\"))","v":"¥5,000的初始资金。10.7年每月投资¥200"}]
[null,{"$f":"\"原贷款期限\" & TEXT(C10,\"0.0\") & \"年后的资金增长比较\"","v":"原贷款期限10.7年后的资金增长比较"}]
[null,"选项 A：清偿贷款",{"$f":"TotalFundsOptionA","v":{"v":47390.944355082494,"d":"¥47,391"}}]
[null,"选项 B：投资",{"$f":"TotalFundsOptionB","v":{"v":51907.83923315416,"d":"¥51,908"}}]