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Yuki119808 · 2023年03月06日

这道题另一种做法

  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.

老师，我记得这个题除了画表or 先算出pmt-本金，还有种折现的方式，直接折现道N=2，可以写一下过程嘛

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星星_品职助教 · 2023年03月07日

同学你好，

这道题可以在算出PMT=4424.6后，将从2时点到10时点的9笔现金流折现回1时点，

N=9，I/Y=12，PMT=4424.6，FV=0，CPT PV= - 23,575.374.

这个PV是1时点的值，相当于在1时点还没还的钱是23,575.374，所以2时点要付的利息就是23,575.374 × 12%=2,829.0449.

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