% calculations doesn't seem accurate

[SocomH]

Hello

I seem to have an issue getting accurate calculations when i use %.
I'm trying to get a loan calculator but for some reason the "monthly payment" isn't the same as I have on my actual loan.
It's always off by a small margin.

For example i have 2 loans
loan 1 = € 10.000 at 3,95% intrest for 4 years I should get €225,25/m but it gives me €225,57/m
loan 2 = €4.500 at 6,90% intrest for 2 years I should get €200,84/m but it gives me €201,27/m

So either Excel calculates it wrong or my bank does. Can someone verify for me as I'm not the greatest at math & I doubt a bank would make a mistake when it comes to money.
Below should be a mini-sheet with the formula (I just copied it to an empty spreadsheet & translated it to english to make it easier).

Any help with this would be awesome as I'm trying to build a whole finance spreadsheet but I just can't seem to get this formula to get the amount right.

testfile.xlsx
	E	F	G	H
1		Empty
2
3
4		Loan details
5		Loan Amount	€ 10.000,00
6		Yearly Intrest	3,95%
7		Loan Period	4
8		Start Loan	1 januari 2021
9		End Loan	1 januari 2025
10		Extra fees	€ -	✓
11		Own money	Nee
12		Percentage own money	0,00%
13		Amount of own money	0	✖
14
15		Loan summary
16		Monthly Payment	€ 225,57	✓
17		Amount of payments	48
18		Total Intrest	€ 827,21
19		Total cost of loan	€ 10.827,21
Sheet1

Cell Formulas
Range	Formula
G9	G9	=EDATE(G8,G17)
H10	H10	=IF('C:\Users\32477\Desktop\[Dashboard Financiën.xlsm]Maandelijks budget'!$J$5>'C:\Users\32477\Desktop\[Dashboard Financiën.xlsm]Lening berekening'!$G$10,"✓","✖")
G13	G13	=IF(G11="Nee","0",($G$5*$G$12))
H13	H13	=IF('C:\Users\32477\Desktop\[Dashboard Financiën.xlsm]Maandelijks budget'!$J$5-G10>'C:\Users\32477\Desktop\[Dashboard Financiën.xlsm]Lening berekening'!$G$13,"✓","✖")
H16	H16	=IF(G16<'C:\Users\32477\Desktop\[Dashboard Financiën.xlsm]Maandelijks budget'!$J$4,"✓","✖")
G16	G16	=-PMT($G$6/12,$G$17,(($G$5+$G$10)-$G$13))
G17	G17	=$G$7*12
G18	G18	=$G$19-($G$5-$G$13)
G19	G19	=$G$16*$G$17

Cells with Data Validation
Cell	Allow	Criteria
H10:H11	Any value
H13	Any value
G11	List	Ja;Nee
H16	Any value

 

[SocomH]

I just noticed, in "total cost of loan" it should be €10.812, this is probably part of the issue.
I'm basing this off the finance plan of my actual loan.