{"id":6720,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/vpm\/"},"modified":"2021-02-26T08:12:01","modified_gmt":"2021-02-26T08:12:01","slug":"pmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/pmt\/","title":{"rendered":"VPM"},"content":{"rendered":"

Introduction \u00e0 la fonction VPM dans Microsoft Excel et Google Sheets<\/h2>\n

La fonction VPM (Versement Pour un Emprunt) est une fonction financi\u00e8re utilis\u00e9e dans Microsoft Excel et Google Sheets pour calculer le paiement p\u00e9riodique n\u00e9cessaire pour rembourser un emprunt. Elle est essentielle pour la gestion financi\u00e8re et l’analyse de pr\u00eats.<\/p>\n

Syntaxe de la fonction<\/h2>\n

Dans Microsoft Excel, la syntaxe est la suivante :<\/p>\n

=VPM(taux; nper; va; [vc]; [Type])<\/code><\/pre>\n
Dans Google Sheets, elle est tr\u00e8s similaire :<\/p>\n
=VPM(taux, nper, va, [vc], [type])<\/code><\/pre>\n
    \n
  • taux<\/strong> : le taux d’int\u00e9r\u00eat par p\u00e9riode de paiement.<\/li>\n
  • nper<\/strong> : le nombre total de paiements pour l’emprunt.<\/li>\n
  • va<\/strong> : la valeur actuelle ou le montant principal du pr\u00eat.<\/li>\n
  • vc<\/strong> (facultatif) : la valeur future ou le solde cible apr\u00e8s le dernier paiement. Par d\u00e9faut, elle est de 0.<\/li>\n
  • type<\/strong> (facultatif) : d\u00e9termine le moment des paiements, 0 ou omis pour la fin de la p\u00e9riode, et 1 pour le d\u00e9but de p\u00e9riode.<\/li>\n<\/ul>\n
    Exemples pratiques d’utilisation<\/h2>\n
    Calcul du paiement mensuel d’un pr\u00eat immobilier<\/h3>\n
    Si vous envisagez d’acheter une maison avec un pr\u00eat de 200 000 euros, \u00e0 un taux d’int\u00e9r\u00eat annuel de 3% et une dur\u00e9e de remboursement de 20 ans, le calcul du paiement mensuel serait :<\/p>\n
    =VPM(3%\/12, 20*12, 200000)<\/code><\/pre>\n
    Cette formule vous donnera le montant mensuel \u00e0 payer.<\/p>\n
    Planification du paiement pour un pr\u00eat \u00e9tudiant avec un d\u00e9but de remboursement diff\u00e9r\u00e9<\/h3>\n
    Consid\u00e9rons un pr\u00eat \u00e9tudiant de 35 000 euros \u00e0 un taux d’int\u00e9r\u00eat de 1.75% par an, avec une dur\u00e9e de remboursement de 10 ans, d\u00e9butant un an apr\u00e8s la signature du pr\u00eat (les int\u00e9r\u00eats s’accumulent durant cette premi\u00e8re ann\u00e9e sans paiement).<\/p>\n
    =VPM(1.75%\/12, 9*12, 35000, 0, 1)<\/code><\/pre>\n
    Le param\u00e8tre ‘type’ est fix\u00e9 \u00e0 1 pour refl\u00e9ter le d\u00e9but diff\u00e9r\u00e9 des remboursements.<\/p>\n
    Conseils pour am\u00e9liorer l’utilisation de la fonction VPM<\/h2>\n
      \n
    • Assurez-vous de convertir le taux d’int\u00e9r\u00eat annuel en taux p\u00e9riodique si n\u00e9cessaire.<\/li>\n
    • Veillez \u00e0 la coh\u00e9rence des unit\u00e9s de temps entre le taux d’int\u00e9r\u00eat, la dur\u00e9e du pr\u00eat et les p\u00e9riodes de paiement.<\/li>\n
    • Exploitez les param\u00e8tres optionnels pour adapter le calcul \u00e0 des situations sp\u00e9cifiques comme des remboursements anticip\u00e9s ou des pauses dans le remboursement.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"
      CalCule le paiement p\u00e9riodique d\u2019un investissement donn\u00e9<\/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-6720","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction PMT (VPM) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction PMT (VPM) d\u2019Excel et Google Sheets. 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