=PMT(A 1/ 12，A2* 12，0，A3， 1)

That is = PMT (5.8%/1 2,3 *12,0.70000,1).

=- 1776.28

The description of saving 70,000 yuan in three years is not accurate. It should be clear whether it is the principal or the sum of principal and interest, or directly say the final value.

D2 Write the formula:

=FV(A2，B2，-C2，0， 1)

That is = Fv (5%, 10,-1000, 0, 1).

= 13206.79

It is necessary to describe clearly that it is automatically rolled over in one year! The results of different storage periods are very different! In fact, bank deposits rarely reach an annual interest rate of 5%.