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10000×(1+0.04/12)^(12×t)+(100000×0.76−30000)/12×((1+0.04/12)^(12×t)−1)/(0.04/12)=30000/(0.04*0.8)
10000×(1+0.04/12)^(12×t)+(100000×0.76−30000)/12×((1+0.04/12)^(12×t)−1)/(0.04/12)=30000/(0.04*0.8)
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