开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

Ning Cui · 2023年01月24日

为什么让PV=0,FV=200000算出来的不对的呢

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

为什么让PV=0,FV=200000算出来的不对的呢

1 个答案

星星_品职助教 · 2023年01月27日

同学你好,

本题是现在借款200,000,所以是PV=-200,000,

每期按照固定的PMT同时还本息,期末正好还清,不需要额外的再还钱,所以是FV=0。

如果FV≠0,说明期末还有额外的现金流发生,本题没有这种情况。

  • 1

    回答
  • 0

    关注
  • 311

    浏览
相关问题

NO.PZ2017092702000016 问题如下 A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e 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 为什么不需要先计算EAR(6.17%),然后再代入PV=-200000,N=5*12,I/Y=6.17/12,FV=0,求PMT?

2023-05-22 15:12 1 · 回答

NO.PZ2017092702000016问题如下A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e 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?

2023-01-07 16:24 1 · 回答

NO.PZ2017092702000016问题如下A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e 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 这个e是预先支付的意思,为什么不能理解为0时刻支付?

2022-09-07 22:11 1 · 回答

NO.PZ2017092702000016 £3,867. £3,957. B is correct, “the first payment is e 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 如果是先付,题目一般会怎么描述?

2022-03-16 10:59 1 · 回答