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林雪.平安私行 · 2020年07月14日

问一道题:NO.PZ2018062016000016 [ CFA I ]

问题如下:

Mr Wang bought a house in Shanghai recently and paid the down payment of ¥ 5,000,000. He borrowed the left ¥5,000,000 for 10 years in the bank and repaid the loan each month. Assume the annual discount rate is 5.8%, the first mortgage payment at the end of this month is:

选项:

A.

¥54,748

B.

¥55,009

C.

¥55,275

解释:

B is correct. Input the following data in the calculator at END mode: N=10*12=120, I/Y=5.8/12, PV=5,000,000, FV=0, then PMT=-55,009. Therefore, the monthly payment for Mr Wang is ¥55,009

请问为什么是期末年金不是起初,贷款不是都是起初吗?

1 个答案

星星_品职助教 · 2020年07月14日

同学你好,

年金的具体类型要看题干怎么描述,如果题干中没有特殊说明是先付年金,都按照后付来处理。