教教我公积金的贷款利息怎么算的，还有每月的还款额是怎么算的？
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用excel函数PMT（=PMT(4.9,360,300000)）=1592；利息是（ipmt）：每月的如下，共计 -￥273,184.86 -￥1,225.00 -￥1,223.50 -￥1,222.00 -￥1,220.48 -￥1,218.97 -￥1,217.44 -￥1,215.91 -￥1,214.38 -￥1,212.83 -￥1,211.28 -￥1,209.73 -￥1,208.17 -￥1,206.60 -￥1,205.02 -￥1,203.44 -￥1,201.86 -￥1,200.26 -￥1,198.66 -￥1,197.05 -￥1,195.44 -￥1,193.82 -￥1,192.19 -￥1,190.56 -￥1,188.92 -￥1,187.27 -￥1,185.62 -￥1,183.96 -￥1,182.29 -￥1,180.62 -￥1,178.94 -￥1,177.25 -￥1,175.56 -￥1,173.86 -￥1,172.15 -￥1,170.43 -￥1,168.71 -￥1,166.98 -￥1,165.25 -￥1,163.50 -￥1,161.75 -￥1,160.00 -￥1,158.23 -￥1,156.46 -￥1,154.68 -￥1,152.89 -￥1,151.10 -￥1,149.30 -￥1,147.49 -￥1,145.67 -￥1,143.85 -￥1,142.02 -￥1,140.18 -￥1,138.34 -￥1,136.48 -￥1,134.62 -￥1,132.75 -￥1,130.88 -￥1,128.99 -￥1,127.10 -￥1,125.20 -￥1,123.30 -￥1,121.38 -￥1,119.46 -￥1,117.53 -￥1,115.59 -￥1,113.65 -￥1,111.69 -￥1,109.73 -￥1,107.76 -￥1,105.78 -￥1,103.80 -￥1,101.80 -￥1,099.80 -￥1,097.79 -￥1,095.77 -￥1,093.74 -￥1,091.71 -￥1,089.66 -￥1,087.61 -￥1,085.55 -￥1,083.48 -￥1,081.41 -￥1,079.32 -￥1,077.23 -