{"id":6694,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/npm\/"},"modified":"2021-02-26T08:11:10","modified_gmt":"2021-02-26T08:11:10","slug":"nper","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/nper\/","title":{"rendered":"NPM"},"content":{"rendered":"

La fonction NPER<\/strong>, \u00e9galement appel\u00e9e NPM<\/strong> dans certaines versions francophones de Excel, est essentielle pour d\u00e9terminer le nombre total de p\u00e9riodes de paiement requises pour un investissement ou un pr\u00eat. Elle joue un r\u00f4le crucial dans la planification financi\u00e8re et l’analyse de cr\u00e9dits.<\/p>\n

D\u00e9tails et syntaxe de la fonction<\/h2>\n

Dans Microsoft Excel, la fonction NPER<\/code> accepte les arguments suivants : le taux d’int\u00e9r\u00eat par p\u00e9riode (taux), le montant du paiement par p\u00e9riode (vpm), la valeur actuelle (va), la valeur future (vf) qui est facultative, et un type de paiement, \u00e9galement optionnel (type). La syntaxe g\u00e9n\u00e9rale se pr\u00e9sente comme suit:<\/p>\n

=NPER(taux; vpm; va; vf; type)<\/code><\/pre>\n
 Sur Google Sheets, la syntaxe est tr\u00e8s semblable, si ce n’est qu’elle utilise des virgules au lieu de points-virgules :<\/p>\n
=NPER(taux, vpm, va, vf, type)<\/code><\/pre>\n
    \n
  • taux<\/code>: repr\u00e9sente l’int\u00e9r\u00eat accumul\u00e9 chaque p\u00e9riode.<\/li>\n
  • vpm<\/code>: correspond au montant fixe des paiements effectu\u00e9s chaque p\u00e9riode.<\/li>\n
  • va<\/code>: est la valeur actuelle, ou le montant total repr\u00e9sentant les paiements futurs \u00e0 l\u2019heure actuelle.<\/li>\n
  • vf<\/code> (optionnel): d\u00e9signe la valeur future, ou le solde voulu apr\u00e8s le dernier paiement. La valeur par d\u00e9faut est 0.<\/li>\n
  • type<\/code> (optionnel): sp\u00e9cifie le moment des paiements, o\u00f9 0 indique la fin de p\u00e9riode (par d\u00e9faut), et 1 correspond au d\u00e9but de la p\u00e9riode.<\/li>\n<\/ul>\n
    Exemples d’application pratiques<\/h2>\n
     Analysons quelques sc\u00e9narios o\u00f9 la fonction NPER<\/strong> peut aider \u00e0 r\u00e9soudre des probl\u00e8mes financiers courants. <\/p>\n
    Calcul du nombre de p\u00e9riodes pour un pr\u00eat automobile<\/h2>\n
     Supposons que vous souhaitez financer l’achat d’une voiture en empruntant 20,000 euros \u00e0 un taux annuel de 5%. Avec des remboursements mensuels de 350 euros, combien de temps faudra-t-il pour rembourser int\u00e9gralement le pr\u00eat ? <\/p>\n
     = NPER(5%\/12, -350, 20000) <\/code><\/pre>\n
     Ici, le taux annuel est divis\u00e9 par 12 pour obtenir le taux mensuel, et le paiement mensuel de 350 euros est introduit comme une sortie de tr\u00e9sorerie (valeur n\u00e9gative). Le r\u00e9sultat indiquera le nombre total de mois n\u00e9cessaires pour rembourser le pr\u00eat. <\/p>\n
    Planification des \u00e9pargnes pour la retraite<\/h2>\n
     Si vous envisagez de constituer un capital de 100,000 euros en \u00e9pargnant 200 euros par mois avec un int\u00e9r\u00eat annuel de 3%, combien de temps cela prendra-t-il ? <\/p>\n
     = NPER(3%\/12, -200, 0, 100000, 1) <\/code><\/pre>\n
     Ce calcul prend en compte un taux d’int\u00e9r\u00eat mensuel (le taux annuel divis\u00e9 par 12) et positionne les versements au d\u00e9but de chaque p\u00e9riode. Cela vous permettra de d\u00e9terminer le nombre de mois n\u00e9cessaires pour atteindre votre objectif d’\u00e9pargne pour la retraite. <\/p>\n
     Ma\u00eetriser la fonction NPER<\/strong> peut consid\u00e9rablement aider \u00e0 la gestion efficace des finances personnelles et professionnelles en offrant des projections pr\u00e9cises sur la dur\u00e9e des engagements financiers.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Renvoie le nombRe de veRsements n\u00e9cessaiRes pouR RembouRseR un empRunt<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[311],"tags":[],"class_list":["post-6694","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction NPER (NPM) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction NPER (NPM) d\u2019Excel et Google Sheets. 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