已知本金1万，期初交3%的保证金，最后一期退回，等额本息后付满足IRR等于10%情况下...

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已知本金1万，期初交3%的保证金，最后一期退回，等额本息后付满足IRR等于10%情况下...
http://club.excelhome.net/thread-1294323-1-1.html
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如题，已知本金1万，期初交3%、4%、5%不同比例的的保证金，最后一期退回保证金，等额本息后付满足IRR等于10%情况下，求利率是多少下表中利率行为手工测算的，求公式。

本金	10,000.00	期数	12
保证金比例	3%	4%	5%	6%	7%	8%	9%	10%	15%	20%
IRR	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%	10.00%
利率	9.46%	9.28%	9.10%	8.92%	8.74%	8.56%	8.38%	8.20%	7.30%	6.40%
保证金	300.00	400.00	500.00	600.00	700.00	800.00	900.00	1,000.00	1,500.00	2,000.00
PMT	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
期数	现金流
0	-9,700.00	-9,600.00	-9,500.00	-9,400.00	-9,300.00	-9,200.00	-9,100.00	-9,000.00	-8,500.00	-8,000.00
1	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
2	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
3	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
4	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
5	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
6	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
7	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
8	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
9	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
10	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
11	￥876.65	￥875.81	￥874.98	￥874.14	￥873.31	￥872.48	￥871.64	￥870.81	￥866.65	￥862.48
12	￥576.65	￥475.81	￥374.98	￥274.14	￥173.31	￥72.48	￥-28.36	￥-129.19	￥-633.35	￥-1,137.52
	519.79	509.76	499.74	489.73	479.71	469.71	459.71	449.71	399.81	349.77