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Anny Yang · 2023年05月22日

为什么不用EAR?

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?

1 个答案

星星_品职助教 · 2023年05月22日

同学你好,

EAR已经是实际的年利率,不需要再除以12。

只有名义上的报价利率(stated annual interest rate)才需要除以计息频率,转化为实际的期间利率后再算复利。

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