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    【1-1/(1+0.005)^36】
    4000/0.005{1-1/(1+0.005)^36}
    800000(1-1/(1+0.5%)^36)
    4000/0.005【1-1/(1+0.005)^36】
    4000/0.06*{1-1/(1+0.06)^36}=
    28.89*(e(-90/28.89)-e(-30/28.89))
    5700/(1+0.11)+12900/(1+0.11)^2+16300/(1+0.11)^3+27500/(1+0.11)^4-37500
    17300/(1+0.11)+16200/(1+0.11)^2+13800/(1+0.11)^3+7600/(1+0.11)^4
    3--2
    (1+0.047/12)^12-1=
    1.012^4-1=
    1.047^12
    1.048^4=
    100000*1.049^2
    (1+4.7%/12)^12
    (1+4.8%/4)^4
    15.091033*1.201683
    12.558248*1.201683
    10.45055*1.201683
    8.696595*1.201683

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