NO.PZ2017092702000016
问题如下:
A sports car, purchased for £200,000, is financed for five years at an annual rate of 6% compounded monthly. If the first payment is due in one month, the monthly payment is closest to:
选项:
A.
£3,847.
B.
£3,867.
C.
£3,957.
解释:
B is correct,
“the first payment is due in one month”是第一笔付款在第一个月的意思(t=1),所以是个后付年金问题。
后付年金模式下,PV=-200,000, N=12*5, I/Y=6/12,FV=0
CPT PMT=3866.56
如果是按照月度复利计息,为什么不是(年利率6%+1)开12次方根再减1,按照这个计算下来是0.486755%,,,而是直接用年利率6%除以12个月等于0.5%?不考虑按月复利计息吗?