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：

£3,847.

£3,867.

£3,957.

解释：

B is correct,

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

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

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

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

$=3,866.56$

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

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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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NO.PZ2017092702000016 问题如下 A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 为什么不需要先计算EAR（6.17%），然后再代入PV=-200000，N=5*12，I/Y=6.17/12，FV=0，求PMT？

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2023-01-24 21:03 1 · 回答

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2023-01-07 16:24 1 · 回答

NO.PZ2017092702000016问题如下A sports car, purchasefor £200,000, is financefor five years annurate of 6% compounmonthly. If the first payment is e in one month, the monthly payment is closest to: A.£3,847. B.£3,867. C.£3,957. B is correct,“the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 这个e是预先支付的意思，为什么不能理解为0时刻支付？

2022-09-07 22:11 1 · 回答

NO.PZ2017092702000016 £3,867. £3,957. B is correct, “the first payment is e in one month”是第一笔付款在第一个月的意思（t=1），所以是个后付年金问题。后付年金模式下，PV=-200,000, N=12*5， I/Y=6/12，FV=0 CPT PMT=3866.56 如果是先付，题目一般会怎么描述？

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问一道题：NO.PZ2017092702000016

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