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PMT is PRE-menstrual tension, it lasts for 2 weeks before a period, and it also means POST-menstrual tension, which lasts for 2 weeks after a period.
A PMT function is used when you want to know how much your monthly payment would be on a loan based on an interest rate and a constant payment schedule. In the following example, you are looking at purchasing a car and will need to borrow $20,000.