问题如下图：
选项：
A. 
B. 
C. 
解释：
这个题看不明白答案，麻烦老师帮忙讲一下。
我用计算器求：PV=120，0000
N=60
I/Y=3%/12 FV=250000
我的解题思路不对吗？
NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.老师您好，为什么可以判断n是5而不是4啊？five years later 是说第五年年初还是年底呢
NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.请问(1+3%/12)12*5的计算器怎么按呀？如果是250000除以它又怎么按呀
NO.PZ2018062016000005问题如下John receive a gift from his grana about $1.2 million. He plans to buy a house in five years later, whipriis expecteto $250,000 thtime. How mushoulJohn posit now if the stateannurate is 3% ancompounmonthly?A.$215,652B.$215,217C.$242,620B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently.老师请问这题为什么stateannurate不需要先转换为EAR再计算，而是直接除以12得到月度的利率？
NO.PZ2018062016000005 $215,217 $242,620 B is correct. Present value * (1+3%/12)12*5=$250,000, therefore, John shoulposit $215,217 currently. 用TVM好像做不出来，因为没有PMT，解答里左右两边公式什么的，都没看懂
NO.PZ2018062016000005 PV * (1+3%/12)12*5=$250,000 能麻烦老师写一下过程吗？ PV * 1.161617=$250,000, 请问这一步应该怎么计算呀？
