{"id":6724,"date":"2025-07-15T13:34:48","date_gmt":"2025-07-15T13:34:48","guid":{"rendered":"https:\/\/functiontranslator.com\/princper\/"},"modified":"2021-02-26T08:12:10","modified_gmt":"2021-02-26T08:12:10","slug":"ppmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/fr\/ppmt\/","title":{"rendered":"PRINCPER"},"content":{"rendered":"

La fonction PPMT, \u00e9galement appel\u00e9e PRINCPER dans certaines applications de tableur comme Google Sheets, est con\u00e7ue pour calculer le remboursement du capital principal d’un pr\u00eat pour une p\u00e9riode sp\u00e9cifique. Cette fonction est cruciale pour la planification financi\u00e8re et la gestion des \u00e9ch\u00e9ances de pr\u00eat.<\/p>\n

Description du fonctionnement et exemples<\/h2>\n

La syntaxe de la fonction PPMT est la suivante :<\/p>\n

PPMT(taux, p\u00e9riode, nper, va, [vc], [type])<\/code><\/pre>\n
    \n
  • taux<\/strong> : le taux d’int\u00e9r\u00eat par p\u00e9riode.<\/li>\n
  • p\u00e9riode<\/strong> : la p\u00e9riode sp\u00e9cifique pour laquelle le remboursement du capital est calcul\u00e9.<\/li>\n
  • nper<\/strong> : le nombre total de p\u00e9riodes de paiement pour le pr\u00eat.<\/li>\n
  • va<\/strong> : la valeur actuelle ou le montant initial du pr\u00eat.<\/li>\n
  • vc<\/strong> (optionnel) : la valeur future souhait\u00e9e apr\u00e8s le dernier paiement. La valeur par d\u00e9faut est 0.<\/li>\n
  • type<\/strong> (optionnel) : indique le moment des paiements, 0 pour une \u00e9ch\u00e9ance en fin de p\u00e9riode (par d\u00e9faut), 1 pour une \u00e9ch\u00e9ance en d\u00e9but de p\u00e9riode.<\/li>\n<\/ul>\n
    Exemple :<\/strong> Pour un pr\u00eat de 200000 euros avec un taux d’int\u00e9r\u00eat annuel de 5%, remboursable sur 20 ans, le montant du capital rembours\u00e9 lors du premier paiement mensuel se calcule comme suit :<\/p>\n
    =PPMT(5%\/12, 1, 20*12, 200000)<\/code><\/pre>\n
    Cette formule d\u00e9termine la portion du premier paiement mensuel qui sera affect\u00e9e au remboursement du capital.<\/p>\n
    Sc\u00e9narios d’application pratiques<\/h2>\n
    Planification du remboursement de pr\u00eats<\/h2>\n
    Pour calculer la portion du capital \u00e0 rembourser chaque mois pour un pr\u00eat immobilier de 150000 euros \u00e0 un taux de 3,5% sur 30 ans, utilisez PPMT ainsi :<\/p>\n
    =PPMT(3.5%\/12, 1, 30*12, 150000)<\/code><\/pre>\n
    Cette formule aidera \u00e0 comprendre quelle part du premier versement est allou\u00e9e au remboursement du capital.<\/p>\n
    Comparaison de plans de financement<\/h2>\n
    Un investisseur envisageant deux options de financement pour acqu\u00e9rir une nouvelle machine peut utiliser PPMT pour \u00e9valuer les paiements du principal. Pour un pr\u00eat de 50000 euros \u00e0 un taux de 4% sur 5 ans, et un autre de 45000 euros \u00e0 un taux de 3.8% sur la m\u00eame dur\u00e9e, les formules seraient :<\/p>\n
    =PPMT(4%\/12, 1, 5*12, 50000) =PPMT(3.8%\/12, 1, 5*12, 45000)<\/code><\/pre>\n
    Ces calculs permettront de comparer directement les flux de tr\u00e9sorerie mensuels entre les deux options.<\/p>\n
    En d\u00e9finitive, la fonction PPMT est un outil indispensable pour la gestion et la planification financi\u00e8re, offrant aux utilisateurs la possibilit\u00e9 de pr\u00e9voir avec pr\u00e9cision le remboursement des pr\u00eats en distinguant clairement les paiements d’int\u00e9r\u00eats des remboursements du capital.<\/p>\n","protected":false},"excerpt":{"rendered":"
    CalCule, pour une p\u00e9riode donn\u00e9e, la part de remboursement du prinCipal d\u2019un investissement<\/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-6724","post","type-post","status-publish","format-standard","hentry","category-finances"],"acf":[],"yoast_head":"\nFonction PPMT (PRINCPER) dans Excel : comment \u00e7a marche, exemples et syntaxe<\/title>\n<meta name=\"description\" content=\"Pr\u00e9sentation de la fonction PPMT (PRINCPER) d\u2019Excel et Google Sheets. 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