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,
calculated as follows (where A is annuity and PV is present value):
N=12*5=60,I/Y=6/12=0.5,PV= - 200,000,FV=0,CPT PMT=3866.56
为什么FV=0呢?购买这辆车第一天就付了200,000的意思,所以PV= -200,000吗?有点想不通了……