Annuity present value coefficient = [1-(1+i) (-n)]/i.

The loan is 654.38+0.5 million yuan, and the annual interest rate is 4.3% for 65.438+00, that is, the annual interest is 6 450 yuan, and the present value of the interest paid for 65.438+00 is:

6450/( 1+4.3%)+6450/( 1+4.3%) 2+6450/( 1+4.3%) 3+6450/( 1+4.3)

Excel calculation is recommended, and the steps are as follows:

1. Open excel, select formula, insert function and select PV, which is mainly used to calculate present value;

2. Input corresponding data: the interest rate is 4.3%, the Nper term is 10, and the annual amount (positive number is the recovered amount, negative number is the paid amount) obtained by Pmt is-6450; The future repayment amount, final repayment or initial repayment type of FV are ignored here (default is final repayment if not filled in).

3. Click OK to get the present value of 5 1, 542.64 yuan.