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H. · 2020年04月10日

问一道题:NO.PZ2015120604000015这题为什么不能转化成EAR算?

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?

1 个答案
已采纳答案

星星_品职助教 · 2020年04月13日

同学你好,

首先这种题目是不需要转化成EAR的,没有意义,直接用题干给出来的期间算就行,不用刻意改成一年。只有当题干要求计算EAR的时候才需要转化。

如果按照你的这种做法,求出来的是一年的PMT,由于货币时间价值的存在,是不能直接除以12转化为月PMT的,而是需要重新用一排5个键计算一遍,FV=214093.78,N=12,PV=0,I/Y=10/12,CPT PMT=-17038.1298

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