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?