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momo · 2024年01月18日

计算

NO.PZ2023103101000022

问题如下:

Q. Akasaka Investment Company established a portfolio of warehouse properties with a total market value of THB3.60 billion. It secured mortgage financing of THB2.61 billion. The terms of the mortgage required Akasaka to maintain a loan-to-value ratio of 0.725. After 18 months, the portfolio value had dropped to THB3.23 billion and the mortgage liability was THB2.35 billion.By how much must Akasaka reduce its mortgage liability to return its LTV back

to the required level?

选项:

A.THB6.00 million B.THB8.25 million C.THB9.19 million

解释:

The correct answer is B.

LTV = Mortgage liability/Portfolio value.

Mortgage liability = LTV × Portfolio value.

Required mortgage liability = Required LTV × Portfolio value.

Required reduction in mortgage liability = Mortgage liability – Required mortgage liability.

Required reduction in mortgage liability = Mortgage liability – (Required LTV × Portfolio value).

8.25 = 2350 – (0.725 × 3230).

能讲下这个知识点吗

1 个答案

pzqa35 · 2024年01月19日

嗨,爱思考的PZer你好:


这个题目考的是一个LTV的计算。

根据公式我们可以看到这个就是债务占整个portfolio的比重。这个题目中说这个人想要维持住0.725的LTV ratio,现在的portfolio价值是3.23b,那么根据这个计算出债务总额=3.23*0.725=2.34175b,他现在的债务总额是2.35b,那么就需要2.35-2.34175=0.00825b,也就是在现在的债务基础上要减去8.25million的债务才能维持0.725的LTV ratio。

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

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