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chuziyang · 2022年09月24日

請問

  1. CFA I
  2. Quantitative

NO.PZ2015120604000015

问题如下：

An investor is looking at a house worth $ 2.5 million. If he want to buy the house, he must pay 25% of the full price now and the left money is financed at 10%，compounded monthly over the next 25 years, Calculate the monthly mortgage payment in this case.

选项：

A.

$17,850

B.

$22,607

C.

$17,038

解释：

C is correct.

N = 25 × 12 = 300;

I/Y = 10 / 12;

PV = -2,500,000(1 - 0.25) = -1,875,000 (75% of the full price left);

FV = 0;

CPT PMT = $17038

I/Y = 10 / 12;


請問哪裡表示10%需要除12，如何判斷10%為年利率？

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星星_品职助教 · 2022年09月24日

同学你好，

如果题干中出现类似本题“at 10%，compounded monthly”的字样，就说明前面的利率是stated annual interest rate，实际的期间利率是按照后面的计息频率计息的，即本题中的按月计息。

这种情况就需要先转化回期间利率，即本题的月利率10%/12。如输入计算器，需要去掉百分号。

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