问题如下图：
选项：
A. 
B. 
C. 
解释：
这题的discount rate 没有说是compounded monthly，为什么不用先算EAR然后除以12？
NO.PZ2018062016000016 问题如下 Mr Wang bought a house in Shanghrecently anpaithe wn payment of ¥ 5,000,000. He borrowethe left ¥5,000,000 for 10 years in the bank anrepaithe loeamonth. Assume the annuscount rate is 5.8%, the first mortgage payment the enof this month is: A.¥54,748 B.¥55,009 C.¥55,275 B is correct. Input the following ta in the calculator ENmo: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009 为什么我算了好几次结果都是54744.8呢？
NO.PZ2018062016000016 请问为什么interest rate不用换算成EAR的形式呢？（1+0.058/12）^12-1
NO.PZ2018062016000016 为什么PV=5000000而不是PV=-5000000？
¥55,009 ¥55,275 B is correct. Input the following ta in the calculator ENmo: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009 请问为什么是期末年金不是起初，贷款不是都是起初吗？
老师我的解题思路是PV= -5,000,000 因为是付了五百万房贷，然后FV= 5,000,000未来十年还剩5百万需要还。麻烦老师一下fv=0的思路，谢谢您
