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Allez😃Sea · 2020年03月25日

问一道题: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,

calculated as follows (where A is annuity and PV is present value):

A=[11(1+rs/m)mNrs/m]A=\left[\frac{1-\frac1{(1+r_s/m)^{mN}}}{r_s/m}\right]

l=(200,000)[11(1+0.06/12)12×50.06/12]      {l}=(200,000)\left[\frac{1-{\displaystyle\frac1{(1+0.06/12)^{12\times5}}}}{0.06/12}\right]\\\;\;\;

l=(200,000)/51.72556      {l}=(200,000)/51.72556\\\;\;\;

=3,866.56=3,866.56

老师,没有理解为什么这题是后付款?我用BGN的模式算出答案是a

1 个答案
已采纳答案

星星_品职助教 · 2020年03月25日

同学你好,

这道题有个易错点,就是“the first payment is due in one month”和“annuity due”不是一个概念,前者正常翻译就可以,是第一笔付款在第一个月的意思(t=1),所以是个正常的后付年金问题。

先付年金的问题题干中会有提示的,关键词也不是due,而是“make the payment TODAY/ in the BEGINNING of the month”

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