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Helen 🎈 · 2023年01月07日

老师，能不能画一个amortization please 求求了

  1. CFA I
  2. Quantitative

NO.PZ2015120604000019

问题如下：

An investor borrowed $25,000 at 12% interest. The loan should be paid back at the same amount over next ten years, how much of the second year's payment is interest(assume annual loan payments)?

选项：

A.

$2,829.05.

B.

$4,424.60.

C.

$1,037.26.

解释：

A is correct.

PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.

The interest should be pad in the first year is $3,000 = 25,000 × 0.12

The principal in the second year is $25,000 -($4,424.60-$3,000) = $23,575.40.

The interest should be pad in the second year is = $23,575.40 × 0.12 = $2,829.05.

如题如题。。。。。。

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1 个答案

星星_品职助教 · 2023年01月08日

同学你好，

如下，每一步的数字来源已经写在表格中了。实际考试中不会让考生自己去画table，了解即可。

P.S，这类题目解题不需要实际把table画出来，比较浪费时间，按照这个逻辑直接去计算就可以。


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