问题如下:
An investor is looking at a house worth $ 2.5 million. If he want to buy the house, he must pay 25% of the full price now and the left money is financed at 10% over the next 25 years, Calculate the monthly mortgage payment in this case.
选项:
A.$17,850
B.$22,607
C.$17,038
解释:
C is correct.
N = 25 × 12 = 300;
I/Y = 10 / 12;
PV = -2,500,000(1 - 0.25) = -1,875,000 (75% of the full price left);
FV = 0;
CPT PMT = $17038
这题为什么不能转化成EAR算?
(10%/12+1)^12-1=0.104713
I/Y=10.4713
N=25
PV=1875000
FV=0
最后PMT=214093.78
年的PMT转化成月=214093.78/12=17841即选A
请问这样做为什么不对?