500000*5.97%/12*(1+5.97%/12)^180/[(1+5.97%/12)^180-1]=4211.18
說明:180是180的冪。
補充:如果具體利率是4.752%，說明妳的利率是現行銀行基準利率5.94%打八折，5.94%*0.8=4.752%，月利率是4.752/12=0.396%，月還款額是:
500000*0.396%*(1+0.396%)^180/[(1+0.396%)^180-1]=3889.68