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Ivana 🍭 · 2022年08月18日

请问

NO.PZ2018062016000005

问题如下:

John receive a gift from his grandpa about $1.2 million. He plans to buy a house in five years later, which price is expected to be $250,000 at that time. How much should John deposit now if the stated annual rate is 3% and compounded monthly?

选项:

A.

$215,652

B.

$215,217

C.

$242,620

解释:

B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John should deposit $215,217 currently.

老师请问这题为什么stated annual rate不需要先转换为EAR再计算,而是直接除以12得到月度的利率?


1 个答案

星星_品职助教 · 2022年08月19日

同学你好,

是否转化为EAR要看题目的需求。能用期间利率(例如本题月利率)直接算就没必要多一步转化。

如果题目求的是以年为单位的值,例如求N是多少年,此时可以考虑转化为EAR,好处是计算器可以一步按出来。

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